Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Unauthorized Reposting of Settled Transactions, Withheld Funds, and Discriminatory Treatment by JPMorgan Chase Bank Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against JPMorgan Chase Bank , N.A . due to repeated unauthorized debits, improper handling of my personal banking transactions, and what I believe to be discriminatory practices based on my national and XXXX identity. Despite several attempts to resolve these issues directly with the bank, I have been subjected to continued financial harm, emotional distress, confusion, and a lack of meaningful resolution, which has caused substantial hardship to my livelihood. 
XXXX. Unauthorized Reposting of Settled Transactions JPMorgan Chase has repeatedly re-debited amounts that were already settled and released by third-party merchants, despite my efforts to address these matters directly with the bank. These transactions include, but is NOT limited to : XXXX XXXX : A {$150.00} incidental hold placed during my stay was properly settled and released back to my account. However, Chase re-debited the same amount without authorization or any new charges from XXXX. I contacted XXXX directly, and they confirmed that the funds had been released properly and that they had not initiated any further charges. 
XXXX XXXX XXXX XXXX : A {$100.00} incidental hold was refunded to my account, but it was later removed without explanation. Chase has failed to provide any justification for this action. 
XXXX XXXXXXXX : A {$60.00} incidental hold was misclassified as an ATM credit instead of being properly restored to my account balance, further complicating the tracking of my finances. 
Other Transactions : There are many other transactions that have been mishandled, and I intend to reveal them during the discovery process in federal civil court. 
These repeated errors have not only caused confusion about my balance but have directly affected my financial stability, exacerbating an already distressing situation. 
XXXX. Erroneous Overdraft Charges and Balance Misrepresentation Following these issues with holds and returned funds, my account balance incorrectly showed {$46.00}. After completing a routine {$8.00} XXXX transaction, my account was wrongly reflected as negative - {$20.00}, despite sufficient funds being available before the transaction. This misrepresentation indicates that my account was either improperly handled or manipulated. 
Given the repeated errors, I am concerned that this may not be an isolated occurrence but rather indicative of a pattern of financial mismanagement or even intentional sabotage by JPMorgan Chase. 
XXXX. Discriminatory Treatment Based on My Identity as an Israelite I am a proud Israelite, and I assert that my national and XXXX identity has been a factor in the mistreatment I have received from JPMorgan Chase. I believe I have been unfairly targeted and subjected to discriminatory actions due to my identity. 
It is well-documented that many individuals of XXXX descent, who control powerful institutions like banks, real estate holdings, and financial markets, have historically appropriated and stolen the identity of the true Israelites. The XXXX people, as a collective, have falsely claimed the Israelite identity for centuries, stealing the heritage and historical identity of my ancestors. 
According to the XXXX, the XXXX period of exile is now complete, and my people are reclaiming our true heritage. The XXXX of XXXX descentwho control major financial institutions such as JPMorgan Chase, continue to violate the civil rights of those who are the rightful heirs of the XXXX identity. Their actions, including the financial mismanagement of my accounts and the blocking of my access to account details ( such as screenshots ), demonstrate a pattern of deliberate sabotage. 
Chase, under the influence of such powers, has repeatedly violated my civil rights by interfering with my financial affairs and falsely mishandling my accounts. I believe this is a form of discrimination and exploitation rooted in XXXX, XXXX, and national identity bias. 
I want to emphasize that the XXXX peoplewhom I assert control major sectors of society, including bankinghave historically taken my identity and used it for financial and geopolitical gain. Their manipulation of my accounts, including the blocking of screenshots and the failure to provide adequate explanations for these errors, is indicative of a much broader, systemic issue. 
XXXX. Evidence of Financial Sabotage and Blocking of Screenshots It is critical to note that JPMorgan Chase has actively obstructed my ability to gather and preserve evidence regarding these issues. On several occasions, I was unable to take screenshots of disputed transactions and account activities, as the Chase app inexplicably blocked my ability to do so. This was not a one-time errorit has occurred repeatedly, with the app intermittently allowing and then restricting my ability to capture evidence of these irregularities. 
While I do not have complete documentation due to these intentional barriers, I assure you that I have sufficient proof of the theft, errors, and mismanagement that have taken place. I intend to present this evidence during the discovery process in the XXXX XXXX XXXX XXXX, where I believe the full scope of JPMorgan Chases actions will be revealed.

5. Request for Immediate Resolution Given the continued nature of these issues and the potential discriminatory practices I am facing.

Company response to consumer: Closed with explanation