Consumer complaint received 2026-05-13 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: FL

Complaint narrative:
My Chase account was restricted and closed due to a separate fraudulent deposit incident. Once Chase restricted the account, I was completely locked out and unable to access it. XXXX XXXX Before the account was closed, I had a failed transaction with a company called Cheap Shop Fly. On XXXX XXXX XXXX I was not able to complete any service with this merchant due to lack of credit card so I took.y business elsewhere.a. Week later XXXX XXXX XXXXthis merchant after repeated Attempts to contact me out of frustrsion only i decided to answer the phone.at which time I was driving from XXXX XXXX XXXX XXXX.this merchant ( XXXX Informed me that because of my inconvenience they were going to be granting me a voucher for my inconvenience as a token of their appreciation At o time did I agree to y Take this voucher as a supplement towards any transaction.after receipt of voucher Md a week after our initial communication my account was accepted and deducted XXXX dollars and change to be exact but I can not access my account to give exact ammounts currently due to this and receipt of the voucher Chase issued me a provisional credit for that dispute. XXXX XXXX After my account was already restricted and inaccessible to me, Chase reversed the provisional credit on their own, pulling {$260.00} out of my account while I had no access to it. XXXX XXXX This was not a merchant debit Chase told me directly that they reversed the credit. XXXX XXXX I asked the fraud department how Chase could withdraw funds from a restricted/closed account when I, the account holder, could not access it. They had no explanation. XXXX XXXX A restricted or closed account should not allow any internal debits, reversals, or adjustments. Chase moved money out of my account without my authorization and without giving me access or notice. XXXX XXXX I am requesting an investigation into Chases handling of the account restriction, the unauthorized reversal, and the lack of required notice.Additionally, during my calls with Chase customer service and the fraud department, I was implied to be part of the scam involving the loan company that deposited funds into my account. This accusation is false, inappropriate, and completely unsupported. XXXX XXXX I applied for a legitimate loan. The lender deposited funds, and Chase immediately flagged it, restricted my account, and closed it before I could access anything. I had no ability to withdraw, spend, or move the funds. XXXX XXXX Despite this, Chase representatives suggested that I was involved in the fraud. This is unacceptable and shows improper handling of the investigation. XXXX XXXX Chase then reversed a provisional credit and withdrew {$260.00} from my restricted account while I had no access, which should not be possible under a closed/restricted status. XXXX XXXX I am requesting that the CFPB investigate both the improper accusation and the unauthorized internal reversal on a restricted account.

Company response to consumer: Closed with explanation