Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
# COMPREHENSIVE REGULATORY COMPLAINT # # Chase Bank Criminal Enablement Causing Foreclosure Crisis Through Systematic Fraud * * Complainant : * * XXXX XXXX XXXX * * Primary Defendant : * * JPMorgan Chase Bank , N.A . 
* * Secondary Impact : * * XXXX XXXX ( XXXX XXXX XXXX ) * * Property Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Date : * * XX/XX/XXXX -- - # # * * EMERGENCY FORECLOSURE DEMAND * * * * CHASE BANK MUST ACT BY XX/XX/XXXX : * * Chase Bank 's criminal enablement has created a foreclosure emergency requiring immediate intervention : 1. * * RESTORE ALL STOLEN FUNDS * * ( {$22000.00} ) to prevent foreclosure 2. * * COMPENSATE XXXX XXXX * * for all fraud-related defaults and fees 3. * * EMERGENCY CREDIT REPAIR * * to restore mortgage payment capacity 4. * * DIRECT COMMUNICATION * * with XXXX XXXX acknowledging Chase 's fraud enablement 5. * * FORECLOSURE INTERVENTION * * - Chase must contact XXXX XXXX immediately to resolve the crisis their negligence created * * DEADLINE : * * XX/XX/XXXX - or face liability for foreclosure of {$520000.00} home due to Chase 's criminal negligence. 

-- - # # EXECUTIVE SUMMARY * * CHASE BANK IS THE PRIMARY CRIMINAL ENABLER * * of a {$22000.00} fraud operation that has cascaded into a foreclosure crisis. Chase 's systematic failures to detect obvious fraud, combined with bad faith claims handling, has created a direct causal chain leading to the threatened loss of my family home.

* * Chase Bank 's Criminal Enterprise Enablement : * * - * * {$14000.00} * * in fake mortgage payments processed without verification - * * {$4800.00} * * in unauthorized ATM withdrawals through compromised phone - * * {$750.00} * * in fraudulent XXXX utility charges processed for months - * * {$1800.00} * * in stolen business funding - * * {$560.00} * * in clawback schemes stealing provisional credits - * * {$910.00} * * total in clawback theft ( {$350.00} + {$560.00} ) * * TOTAL CHASE-ENABLED THEFT : {$22000.00} * * * * Direct Consequence : * * Foreclosure deadline XX/XX/XXXX on {$520000.00} home due to fraud-induced payment disruptions. 

-- - # # PRIMARY REGULATORY VIOLATIONS - CHASE BANK # # # * * Bank Secrecy Act Violations ( 31 USC 5311 ) * * * * Systematic Anti-Money Laundering Failures : * * - * * Failed to file SARs * * for obvious $ XXXX organized fraud operation - * * No CTR reporting * * for structured criminal transactions - * * Enabled money laundering * * through fake mortgage payment processing - * * Ignored red flags * * including identical fake payments over 14+ months # # # * * Regulation E Violations ( 12 CFR 1005 ) * * * * Electronic Fund Transfer Act Violations : * * - * * Delayed fraud investigation * * beyond regulatory deadlines - * * Bad faith provisional credit clawbacks * * totaling {$910.00} - * * Failed to complete investigations * * within required timeframes - * * Systematic denial * * using identical language regardless of evidence # # # * * UDAAP Violations ( 12 USC 5531 ) * * * * Unfair, Deceptive, and Abusive Practices : * * * * UNFAIR : * * - Processing obvious fraud for 14+ months without detection - Clawing back provisional credits through bad faith investigations- Enabling criminal enterprise while denying victim relief * * DECEPTIVE : * * - * * Cookie-cutter denial letters : * * " Transaction was authorized '' for obvious fraud - * * Form letter responses : * * " No adjustment will be made '' regardless of evidence quality - * * False investigation claims : * * Using identical language suggests no individual review - * * Misrepresenting transaction legitimacy : * * Calling clear fraud " authorized '' * * ABUSIVE : * * - Exploiting identity theft victim 's financial distress - Using identical denial language regardless of evidence quality - Enabling criminals while punishing victims # # # * * Fair Credit Reporting Act Violations ( 15 USC 1681 ) * * * * Inaccurate Credit Reporting : * * - Reporting fraud-induced NSF incidents as legitimate defaults - Failing to investigate credit report disputes- Continuing negative reporting during active fraud investigation -- - # # CHASE BANK 'S CRIMINAL ENTERPRISE ENABLEMENT # # # * * The {$14000.00} Fake Mortgage Payment Scheme * * * * Systematic Processing of Fraudulent Transactions : * * * * Pattern Analysis : * * - * * XX/XX/XXXX : * * {$2900.00} fake XXXX XXXX payment - * * XXXX XXXX XXXX * * Multiple {$2500.00} payments - * * XXXX XXXX : * * Continued processing of identical fake amounts - * * Total Fake Mortgage Payments : * * {$14000.00} * * Red Flags Chase Ignored : * * 1. * * Identical amounts * * repeated monthly for 14+ months 2. * * No mortgage account verification * * with actual servicer 3. * * Timing coincides * * with reported identity theft 4. * * Victim 's repeated fraud reports * * ignored 5. * * No payee verification * * for " XXXX XXXX '' payments 6. * * Utility fraud pattern : * * Multiple unauthorized service signups and cancellations 7. * * Geographic impossibility : * * Utility services at addresses victim never lived 8. * * Service pattern abuse : * * Immediate cancellations by victim of all fraudulent services # # # * * The {$4800.00} ATM Fraud Operation * * * * Phone Cloning Enabled Systematic Theft : * * - * * Method : * * Criminals cloned phone to access banking apps- * * Pattern : * * Back-to-back ATM withdrawals not flagged by Chase - * * Amount : * * {$4800.00} in unauthorized cash withdrawals- * * Chase Failure : * * No velocity checks or geographic verification # # # * * The {$750.00} XXXX  Utility Fraud * * * * Chase Processed Months of Obvious Fraudulent Utility Services : * * * * Detailed XXXX Fraud Timeline : * * - * * XX/XX/XXXX : * * {$110.00} unauthorized service signup - * * XX/XX/XXXX : * * {$25.00} return fee when service canceled - * * XX/XX/XXXX : * * {$130.00} unauthorized service + {$25.00} return fee = {$150.00} - * * XX/XX/XXXX : * * {$130.00} return fee for canceled service - * * XX/XX/XXXX : * * {$130.00} unauthorized service activation - * * XX/XX/XXXX : * * {$130.00} final fraudulent charge - * * Total XXXX Fraud : * * {$750.00} * * Chase 's Criminal Facilitation of Utility Fraud : * * - * * Multiple utility services * * fraudulently signed up using victim 's identity - * * Return fees charged * * when victim canceled unauthorized services - * * Overlapping charges * * for services never requested - * * Chase provided {$560.00} provisional credit then STOLE IT BACK * * - * * No verification * * with XXXX that victim authorized services - * * Obvious fraud pattern * * ignored for months # # # * * The {$910.00} Clawback Theft Operation * * * * Chase 's Systematic Theft of Provisional Credits : * * - * * First Clawback : * * {$350.00} stolen from victim - * * Second Clawback : * * {$560.00} stolen after providing provisional credit - * * Method : * * Provide credits initially, then reverse through bad faith " investigations '' - * * Result : * * Chase stole {$910.00} from identity theft victim # # # * * Chase 's Cookie-Cutter Denial Letters * * * * Identical Bad Faith Responses Regardless of Evidence : * * - * * Standard Language : * * " Transaction was processed according to information you provided or was authorized '' - * * Universal Denial : * * " No adjustment will be made '' - * * Bad Faith Pattern : * * Same denial language used for obvious fraud and legitimate transactions - * * Evidence Ignored : * * Detailed fraud documentation dismissed with form letters- * * Regulatory Violation : * * Failed to conduct individual investigations as required -- - # # CASCADING EFFECT : CHASE FRAUD FORECLOSURE CRISIS # # # * * Direct Causal Chain * * * * Chase 's negligence created a systematic chain of harm : * * 1. * * Chase Enables {$22000.00} Fraud * * Depletes victim 's financial resources 2. * * Genuine Mortgage Payments Intercepted * * Criminals redirect real payments while Chase processes fake ones 3. * * Payment Disruptions to XXXX XXXX * * NSF reversals when fraud-diverted payments fail 4. * * XXXX XXXX Penalties Accumulate * * Late fees and charges due to Chase-enabled fraud 5. * * Credit Destruction * * Chase reports fraud as legitimate, destroying creditworthiness 6. * * Foreclosure Threat * * XX/XX/XXXX deadline due to Chase 's fraud enablement # # # * * Current Foreclosure Crisis - Caused by Chase * * * * XXXX XXXX Account Status ( Loan # XXXX ) : * * - * * Amount Due : * * {$8600.00} ( fraud-related ) - * * Foreclosure Deadline : * * XX/XX/XXXX - * * Root Cause : * * Chase-enabled fraud depleted payment capacity - * * Chase Liability : * * Direct causation from criminal enablement to foreclosure -- - # # SPECIFIC CHASE VIOLATIONS BY REGULATION # # # * * BSA/AML Violations ( 31 USC 5311 , 12 CFR 21.21 ) * * * * REQUIRED : * * File SARs for suspicious activity patterns * * CHASE 'S VIOLATION : * * No SARs filed for $ XXXX organized fraud operation * * Evidence of Suspicious Activity : * * - Identical fraudulent amounts over 14+ months - Payments to non-existent mortgage servicer accounts- Structured transactions designed to avoid detection - Organized criminal operation using victim 's identity * * Penalty Exposure : * * Up to {>= $1,000,000} per violation ( 31 USC 5321 ) # # # * * Regulation E Violations ( 12 CFR 1005.11 ) * * * * ERROR RESOLUTION REQUIREMENTS : * * - 10 business day investigation deadline - Provisional credit within 1-2 business days - Written findings required * * CHASE 'S VIOLATIONS : * * - Extended investigations beyond regulatory deadlines- Clawed back provisional credits without proper basis - Failed to provide detailed investigation findings- Used identical denial language regardless of evidence - * * Particularly egregious : * * Processed utility fraud despite easy verification methods- * * Failed basic verification : * * Never confirmed victim lived at service addresses- * * Ignored cancellation pattern : * * Victim immediately canceled all fraudulent services # # # * * FCRA Section 623 ( 15 USC 1681s-2 ) * * * * FURNISHER ACCURACY REQUIREMENTS : * * * * CHASE 'S VIOLATIONS : * * - Reported fraud-induced NSF as legitimate defaults - Failed to investigate credit disputes properly - Continued negative reporting during fraud investigation - Refused to correct obviously inaccurate information -- - # # DAMAGES DIRECTLY CAUSED BY CHASE # # # * * Ongoing Financial Reconstruction * * * * Current Status : Certified Public Bookkeeper Analysis in Progress * * * * CRITICAL NOTE : * * A certified bookkeeper is currently conducting a comprehensive three-year financial reconstruction ( XXXX ) due to the extensive damage caused by Chase Bank 's fraud enablement. This process involves : - * * Recreating accurate financial records * * from Chase 's compromised/fraudulent transactions - * * Verifying legitimate vs. fraudulent transactions * * across 36+ months - * * Quantifying additional hidden damages * * not yet discovered - * * Documenting the full scope * * of Chase 's criminal facilitation - * * Estimated completion : * * 30-60 days due to complexity of Chase 's fraud enablement * * ANTICIPATED ADDITIONAL DAMAGES : * * Based on preliminary analysis, the bookkeeper expects to uncover : - Additional fraudulent transactions not yet identified - Hidden fees and charges resulting from fraud - Compounding interest and penalty calculations- Business accounting irregularities caused by payment disruptions- * * Potential total damages may EXCEED current {>= $1,000,000} estimate * * * * BURDEN ON VICTIM : * * Chase 's systematic fraud enablement has forced the victim to : - * * Hire professional accountant * * ( $ XXXX expense ) - * * Dedicate hundreds of hours * * to financial reconstruction - * * Recreate three years of records * * due to Chase 's contaminated data - * * All while facing XX/XX/XXXX foreclosure deadline * * * * SUPPLEMENTAL COMPLAINT FORTHCOMING : * * Upon completion of the financial reconstruction, a supplemental complaint will be filed documenting any additional damages discovered during the comprehensive analysis. 

# # # * * Chase 's Specific Liability for XXXX XXXX Crisis * * - * * Partial Claim Required : * * {$30000.00} due to fraud-induced defaults - * * Current Delinquency : * * {$8600.00} directly traceable to Chase fraud XXXX * * Late Fees/Penalties : * * Hundreds in fees from fraud-disrupted payments - * * Foreclosure Costs : * * All legal fees and costs from Chase-caused crisis # # # * * Punitive Damages Warranted * * Chase 's conduct demonstrates : - * * Willful blindness * * to obvious criminal activity - * * Bad faith * * in claims handling and investigation - * * Reckless disregard * * for customer safety and regulatory requirements- * * Criminal facilitation * * through systematic failures * * Total Damages : * * $ XXXX with punitive damages appropriate -- - # # EMERGENCY DEMANDS- XX/XX/XXXX DEADLINE # # # * * IMMEDIATE CHASE ACTIONS REQUIRED * * * * 1. EMERGENCY FUND RESTORATION ( By XX/XX/XXXX ) * * - Restore all {$22000.00} in stolen funds immediately - * * NEW ACCOUNT REQUIREMENT : * * Funds must be deposited into a completely new, secure account with no links to previously compromised accounts - * * Preferred client status * * with enhanced fraud protection and dedicated support - Wire transfer to prevent foreclosure deadline - * * Account security guarantee * * with advanced monitoring and alerts * * 2. XXXX XXXX INTERVENTION ( By XX/XX/XXXX ) * * - Direct communication with XXXX XXXX acknowledging Chase 's fraud enablement - Payment of all fraud-related fees, penalties, and charges to XXXX XXXX - Guarantee of mortgage account protection during fraud resolution * * 3. CREDIT REPAIR ( By XX/XX/XXXX ) * * - Emergency deletion of all fraud-related negative marks - Restoration of pre-fraud credit scores- Letter to all credit bureaus acknowledging Chase 's fraud enablement * * 4. REGULATORY COMPLIANCE * * - File required SARs for the $ XXXX criminal operation - Cooperate with law enforcement investigation - Implement enhanced fraud detection for similar cases - * * Establish new secure banking relationship * * with victim using fresh accounts and preferred client protections- * * Enhanced monitoring protocols * * for victim 's new accounts with dedicated fraud prevention team * * 5. VICTIM COMPENSATION * * - Full reimbursement for all cascading damages - Compensation for business losses caused by fraud - Payment of all legal and recovery expenses- * * Coverage of ongoing bookkeeper costs * * for 3-year financial reconstruction - * * Compensation for victim 's time * * spent recreating records due to Chase 's fraud - * * Reserve fund * * for additional damages being discovered in ongoing analysis - * * NEW SECURE BANKING RELATIONSHIP : * * All restitution funds placed in new accounts with no connection to compromised accounts - * * Preferred client designation * * with enhanced fraud protection, dedicated support team, and priority customer service # # # * * CONSEQUENCES OF CHASE INACTION * * * * If Chase fails to act by XX/XX/XXXX : * * - Full liability for foreclosure and loss of {$520000.00} home - Escalation to DOJ for criminal facilitation investigation - Class action exposure for systematic fraud enablement - Maximum regulatory penalties for BSA/AML violations -- - # # SUPPORTING EVIDENCE # # # * * Chase Fraud Documentation * * - Bank statements showing {$22000.00} in fraudulent transactions - * * Fraudulent utility bills and unauthorized service agreements : * * - XXXX service agreements victim never signed - Utility bills for services at addresses victim never lived - Documentation of victim canceling unauthorized services - Evidence of Chase processing payments for fraudulent utility accounts- * * Multiple identical denial letters using cookie-cutter language : * * - " Transaction was authorized '' claims for obvious fraud - " No adjustment will be made '' responses regardless of evidence - Same form letter responses for different fraud types- Evidence of provisional credit clawbacks totaling {$910.00} - Pattern analysis of systematic fraud processing over 14+ months - Documentation of Chase 's refusal to conduct individual investigations # # # * * Identity Theft Documentation * * - FTC Report # XXXX - Police Report - XXXX XXXXXXXX Police Department - XXXXXXXX Support Case # XXXX ( account hijacking confirmation ) - Technical evidence of device compromise and phone cloning # # # * * Foreclosure Documentation * * - XXXX XXXX demand letter with XX/XX/XXXX deadline - Payment history showing fraud-induced NSF reversals- Partial claim documentation ( {$30000.00} ) due to fraud # # # * * Business Impact Documentation * * - Financial statements showing business closure - Revenue loss calculations directly tied to fraud - Client loss documentation due to payment disruptions- * * ONGOING : * * Certified bookkeeper conducting 3-year financial reconstruction - * * Preliminary findings : * * Additional damages expected beyond current estimates - * * Professional analysis : * * Comprehensive accounting review of Chase 's fraud impact -- - # # REGULATORY PRECEDENT FOR CHASE LIABILITY # # # * * Similar CFPB Actions Against Chase * * - * * XXXX : * * {$380.00} XXXX penalty for credit card debt collection - * * XXXX : * * {$210.00} XXXX for credit card billing violations- * * XXXX : * * {$65.00} XXXX for unsafe practices during pandemic - * * Pattern : * * Chase repeatedly violates consumer protection laws # # # * * BSA/AML Enforcement Actions * * - * * XXXX XXXX ( XXXX ) : * * {$3.00} XXXX for AML failures- * * XXXXXXXX XXXXXXXX  ( XXXX ) : * * {$75.00} XXXX for BSA violations- * * XXXX ( XXXX ) : * * {$1.00} XXXX for money laundering facilitation * * Chase 's Exposure : * * $ XXXX organized crime facilitation warrants maximum penalties -- - # # CONCLUSION : CHASE BANK CRIMINAL LIABILITY Chase Bank is not merely negligent- they are * * criminal enablers * * who : 1. * * Facilitated organized crime * * through systematic fraud processing 2. * * Violated federal banking laws * * repeatedly and willfully 3. * * Stole from identity theft victims * * through clawback schemes 4. * * Created foreclosure crisis * * through fraud enablement 5. * * Ignored regulatory requirements * * for suspicious activity reporting * * This case demands : * * - * * Immediate foreclosure intervention * * by XX/XX/XXXX - * * Full victim restitution * * of all fraud and cascading damages - * * Criminal investigation * * of Chase 's role in facilitating organized crime - * * Maximum regulatory penalties * * for systematic violations - * * Industry-wide reforms * * to prevent similar victim abuse - * * Ongoing damage assessment * * as bookkeeper completes 3-year financial reconstruction * * ADDITIONAL DAMAGES EXPECTED : * * The current $ XXXX damage estimate represents only the damages discovered to date. A certified bookkeeper 's ongoing analysis of three years of Chase-contaminated financial records is expected to reveal additional substantial damages, requiring supplemental regulatory action. 

Chase Bank has crossed the line from negligence to criminal facilitation. Their systematic enablement of a $ XXXX fraud operation while stealing provisional credits from the victim demands the full force of regulatory and criminal action. 

* * The XX/XX/XXXX foreclosure deadline makes this an emergency requiring immediate Chase intervention to prevent the loss of my family home due to their criminal enablement. * * -- - # # CONTACT INFORMATION * * Complainant : * * XXXX XXXX XXXX * * Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Phone : * * ( XXXX ) XXXX * * Landline : * * ( XXXX ) XXXX * * Email : * * XXXX * * Secondary : * * XXXX * * EMERGENCY FORECLOSURE DEADLINE : * * XX/XX/XXXX * * Chase Account Information : * * Available upon request * * XXXX XXXX Loan : * * # XXXXXXXX XXXX XXXX  * * Certification : * * I certify under penalty of perjury that the information in this complaint is true and accurate to the best of my knowledge and belief, and that Chase Bank 's criminal enablement has directly caused the foreclosure crisis threatening my family home. 

* * Signature : * * XXXX XXXX XXXX * * Date : * * XX/XX/XXXX * * URGENT ACTION REQUIRED BY XX/XX/XXXX * *

Company response to consumer: Closed with explanation