Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Here is a stronger complaint that directly addresses both * * Chases conduct * * and * * CFPBs handling of the matter * * : Consumer Financial Protection Bureau RE : Request for Supervisory Review of CFPB Complaint Handling and JPMorgan Chases Continued Withholding of Funds CFPB Case No. : XXXX Financial Institution : JPMorgan Chase Bank , N.A . I am submitting this complaint because the Consumer Financial Protection Bureaus handling of my prior complaint appears to have accepted JPMorgan Chases response without meaningful review of the actual facts presented. My concern is no longer limited to JPMorgan Chases conduct, but now also includes the failure of the complaint resolution process to address the substance of the issue. JPMorgan Chase has continued to provide the same repetitive response, refusing to release my funds based on documentation demands that are impossible to satisfy under the circumstances. The central issue is straightforward : Chase closed my account while I was overseas and claims that a cashiers check was issued for my remaining funds, approximately {$40000.00}. I never received this check. Because I never received the check, I do not possess the cashiers check number or the issuance date. Yet Chase continues insisting that I must provide the very information that would only be available if I had actually received the check. This is circular, unreasonable, and obstructive. The CFPB appears to have accepted Chases response without questioning this obvious contradiction. I respectfully ask : How is a consumer expected to provide the number and issuance date of a cashiers check that was never delivered? If the bank issued the instrument, Chase itself has full internal access to : * the cashiers check number * the issuance date * the exact amount * mailing records * tracking or delivery information, if any * stop-payment or reissuance procedures These are records maintained by the banknot the consumer. Instead of addressing this reality, Chase continues issuing the same boilerplate denial. Even more concerning, Chases response contains statements that appear inconsistent with the facts. I previously submitted a notarized affidavit executed in XXXX, XXXX, concerning the lost/non-received cashiers check. Chase now claims the document was not signed or notarized, while also simultaneously referencing supposed issues with the notary section. These contradictory assertions raise serious questions about whether my submission was reviewed in good faith. Chase also claims that the notary date is no longer valid, which requires explanation. A notarization confirms the authenticity of a signature on the date executed. It does not simply become invalid because time has passed unless Chase is relying on some internal policy, which has not been properly explained. This complaint therefore raises two issues : First, JPMorgan Chases continued withholding of consumer funds through unreasonable and impossible procedural demands. Second, the CFPB complaint handling process accepting conclusory institutional responses without addressing the actual consumer complaint. I request supervisory review of this matter and answers to the following : 1. Why was Chase not required to explain how a consumer could provide check details for a check never received? 2. Why was Chase not required to provide evidence of the alleged cashiers check issuance, including check number, issuance date, mailing method, and delivery confirmation? 3. Why were contradictory claims about my notarized submission accepted without scrutiny? 4. What substantive review was conducted before closing or accepting Chases response? At this point, this matter concerns not only Chases refusal to release funds, but whether the consumer complaint process is functioning as intended. I request : * immediate supervisory review by the CFPB * reopening of this complaint * formal demand that Chase provide documentary proof of the cashiers check issuance * explanation of Chases legal basis for refusing to reissue funds * escalation to the appropriate federal banking regulator if necessary This matter has caused significant financial harm, operational disruption, and prolonged deprivation of access to my own funds. I expect a substantive review rather than another procedural closure based solely on Chase repeating the same unsupported response. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation