Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX XXXX, and I have been a customer of Chase Bank for several years. My cell phone number is XXXX, and I am reaching out regarding a recent issue I experienced with a wire transfer. 
At the inception of my relationship with Chase, I was provided with routing number XXXX for both wire transfers and ACH transactions, which I have consistently used without issue for years. However, last week I was expecting to receive an incoming payment of nearly {$20000.00}, which was unexpectedly returned. To my surprise, this occurred despite my use of the same routing number I had been using throughout my relationship with the bank. 
If this issue is isolated to my account, I respectfully request that it be resolved promptly, as this mishap has resulted in significant financial inconvenience and disruption to my personal finances. 
However, if this issue is systemic and pertains to the entire banks operations, it is imperative that Chase Bank promptly inform its customers of any such changes, as the failure to do so may place customers at undue financial risk, potentially leading to unnecessary fees and hardship. As a financial institution, Chase has a fiduciary duty to ensure that all customers are made aware of any significant changes to banking practices, especially those affecting transactions such as ACH credits.

I have made multiple attempts to resolve this matter by contacting Chases customer service, and I have requested to speak with an Executive Vice President ( EVP ) or higher to review the situation. To date, I have not received the requested call-back or any adequate resolution. My most recent call was on XX/XX/year>, at approximately XXXXXXXX XXXX where I spoke with XXXX XXXX. 
Given the potential widespread impact of this issue, I urge you to escalate this matter for legal review. Should this issue be affecting more customers, it may have significant legal implications for the bank, particularly if proper notification of such changes was not issued to account holders. 
As a customer of many years, I am requesting a waiver of all fees incurred over the past five years due to this issue. If Chase has made an error, I believe it is both fair and reasonable to expect compensation for the undue inconvenience, financial strain, and disruption caused by this oversight. While I am open to discussing reasonable fees if I am satisfied that this issue was isolated to my account and promptly rectified, I believe it is crucial that Chase Bank take responsibility for any errors or oversights that may have affected its customers. 
I look forward to a timely and satisfactory resolution of this matter. Should this be an isolated issue, I expect fair compensation for my troubles, but if it is a bank-wide issue, I believe it warrants more immediate and substantial action. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation