Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Formal Complaint Letter Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Complaint Against Chase Bank Violations of Regulation E / Regulation Z and Resulting Financial Harm Dear Sir or Madam : I am submitting this formal complaint regarding Chase Banks failure to comply with federal error resolution requirements, primarily under Regulation E ( 12 CFR 1005.11 ), and, to the extent applicable, Regulation Z ( 12 CFR 1026.13 ). This complaint concerns a disputed transaction for a storage unit service that became unsafe and unusable, and Chases repeated failure to properly investigate and resolve the matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Summary of Issue I paid for a storage unit service that became unsafe when an individual was actively living inside a unit on the same floor. This created serious safety risks, including potential XXXX, harassment, and fire hazards due to cooking in a sealed, non-ventilated environment. As a result, the service was materially not as agreed and could not be safely used. I discontinued use, notified the merchant, and filed a dispute with Chase Bank. Despite this, Chase failed to conduct a reasonable investigation and repeatedly reversed provisional credits without adequate explanation. Account Access Limitation Chase closed my account during the course of this dispute. As a direct result, I am unable to access my account records and statements. This has prevented me from obtaining complete transaction documentation necessary to fully support my complaint. The transaction list provided below reflects the best information available to me at this time. Timeline of Events Payment made for storage unit service Unsafe conditions discovered due to unauthorized occupancy Merchant notified and service discontinued Dispute filed with Chase ( triggering Regulation E obligations ) Provisional credits issued Credits repeatedly reversed without adequate explanation Multiple calls required with inconsistent information provided Representative disconnected call while I was explaining my situation Account repeatedly forced into negative balance Essential bills impacted, including life insurance payment being returned Medical crisis occurred ( hit-and-run accident, ongoing treatment ) Caregiving responsibilities for hospitalized child Chase closed my account before resolving the dispute Certified letter sent to Chase XXXX Office with no response Exhibit A Transaction List ( Best to My Knowledge ) XX/XX/XXXX : {$48.00} XX/XX/XXXX : {$32.00} XX/XX/XXXX : {$59.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$59.00} XX/XX/XXXX : {$59.00} Regulatory Violations Chase Bank has failed to : Conduct a reasonable, good-faith investigation as required under Regulation E Provide a written explanation or supporting documentation of findings Properly evaluate a claim involving services not provided as agreed ( Regulation Z, if applicable ) Maintain or justify reversal of provisional credits Avoid preventable financial harm caused by repeated reversals Act in good faith during an active dispute Respond to a certified written request Additionally, closing my account before resolving the dispute further compounded the financial harm and restricted my ability to recover. Resolution Requested I respectfully request : Immediate issuance of permanent credit for all disputed transactions Reversal of all fees, overdrafts, and negative balances A complete written explanation of the investigation and findings Compensation for financial harm and hardship caused A formal written response to my certified letter Conclusion Chase Banks repeated failure to comply with federal error resolution requirements, combined with its inconsistent handling of my claim and account closure prior to resolution, has caused significant financial hardship and distress during a documented medical emergency. I am requesting prompt review and enforcement action to ensure compliance and appropriate resolution. Exhibit B Prior Written Notice to Chase XXXX Office XX/XX/year> Chase Bank XXXX Office XXXX. XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I am submitting a formal complaint and demand for resolution regarding a financial dispute involving repeated mishandling of my account and resulting financial harm. This situation involves repeated reversals of dispute credits while my account was under active review with Chase Bank. These reversals resulted in a negative account balance and directly caused my life insurance payment to be returned, placing my coverage at risk and creating significant financial harm. During the same period, I was involved in a hit-and-run motor vehicle accident that resulted in a concussion and whiplash. I am still recovering from these injuries, which has limited my ability to repeatedly manage account disputes and financial corrections. In addition, my autistic daughter experienced a medical crisis the day following my accident and required hospitalization, followed by ongoing Partial Hospitalization Program ( PHP ) care. I am her primary caregiver and have been managing her treatment while also recovering from my own injuries. Despite this documented hardship, I was contacted regarding the negative account balance. During one of these calls, the representative ended the call while I was explaining my medical condition and inability to repeatedly resolve the issue due to concussion-related recovery and physical limitations. This situation has required me to repeatedly explain the same dispute while under medical recovery and caregiving responsibilities. The repeated reversals of funds, account disruption, and lack of consistent resolution have created ongoing financial and emotional strain. Additionally : My life insurance payment was returned due to the negative account balance The payment was intended to be automatically withdrawn from this account I was required to switch accounts to prevent lapse in coverage The dispute remains unresolved after multiple attempts to correct it Demand for Resolution Full refund of all disputed charges Reversal of all associated fees, penalties, and negative balance impacts Correction of account status and any related reporting Review of communication handling during documented medical hardship Written explanation of all actions taken on my account In addition, I am requesting {$5000.00} in compensation for financial harm, hardship, and disruption caused by repeated reversals, account closure impact, and the returned life insurance payment during an active medical and caregiving situation. Notice of Further Action If this matter is not resolved promptly, I will pursue escalation through all available regulatory and legal channels, including the Consumer Financial Protection Bureau and civil legal remedies for financial harm caused by mishandling of an active dispute during documented medical and caregiving hardship. Exhibit C Evidence of Unsafe and Unusable Conditions I am submitting photographic and video evidence documenting the unsafe and hazardous conditions that made the storage unit unusable and materially different from what was agreed upon. This evidence demonstrates that an individual was repeatedly occupying the storage facility in a manner consistent with ongoing habitation, creating serious safety risks and preventing safe access to my unit. Exhibit C-1 Video : Individual Occupying Chair Near Storage Unit This photograph shows the individual seated in a chair placed in or near the storage unit area. The repeated presence of this chair and the individuals consistent use of it indicates ongoing occupancy rather than temporary presence. Exhibit C-2 Photograph : Chair and Personal Setup in Common Area This image shows the chair and surrounding setup positioned in a common hallway/storage area, further indicating that the space was being used for extended living activity rather than normal storage use.

Company response to consumer: Closed with explanation