Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Demand for Accountability , Regulatory Review, Full Redress, Settlement, and Legal Compliance To : JPMorgan Chase Bank NA Executive Resolution & Legal Compliance Division Date : XX/XX/year> Subject : Ongoing Violations, Retaliatory Action, Regulatory Noncompliance, and Formal Demand for Independent Oversight and Settlement To Whom It May Concern : I. Preamble This complaint is filed under the protection and enforcement of the Constitution of the United States, the Federal Trade Commission Act, the Electronic Fund Transfer Act, the Truth in Lending Act, the Federal Arbitration Act, and other codified federal laws which together constitute the color of law governing lawful conduct in commerce and consumer rights.

This document formally asserts that JPMorgan Chase Bank, N.A., herein Chase, has acted in willful noncompliance with federal law, has engaged in a systemic pattern of consumer deception and financial exploitation, and has caused direct, demonstrable harm to me, the undersigned claimant, by operating in breach of contract, breach of fiduciary duty, and in violation of my federally protected rights.

This document is submitted in relation to the ongoing and escalating misconduct, deliberate misrepresentations, procedural failures, and consumer rights violations perpetuated by JPMorgan Chase Bank , N.A . ( Chase ). This letter builds upon prior grievances and establishes an independent, enforceable record of Chases willful violations of banking laws, retaliatory acts, fraud facilitation, regulatory evasion, and bad faith dealings. This is not a duplicate, recycled, or previously submitted claim, and it is to be treated and processed as a new, standalone demand under full weight of law.

It must be stated specifically and exclusively that I am demanding each and every recorded phone conversation between myself and Chase representatives to be retrieved and reviewed by an independent, third-party regulatory authority, not internal Chase investigators , to verify the factual accuracy of the claims I have made and the misconduct I have experienced. Furthermore, I am demanding : Written logs, memos, and internal account notes detailing the status of my debit card and account ( locked vs. unlocked ) at the time of each disputed transaction ; A full review of every complaint filed by me with the Consumer Financial Protection Bureau ( CFPB ) against Chase, including but not limited to those regarding : Fraudulent and unauthorized debits ; Illegal and unexplained money order holds ; Retaliatory reversal of refunded claims after settlement demands ; Misconduct and misrepresentations by Chase employees and agents ; An immediate third-party evaluation of Chases repeated refusal to comply with my demands for arbitration, in direct breach of the terms of your own consumer agreement and applicable federal law ; Confirmation that this complaint is not to be dismissed as duplicative, resolved, or related, as it stems from distinct facts and escalating harm, including new retaliatory actions taken in response to my protected complaints.

Notice to agent is notice to principal. Notice to principal is notice to agent. There shall be no plausible deniability, implied waiver, or avoidance of liability by Chase or its representatives from this point forward.

As previously stated : Multiple transactions were allowed to post from merchants such as Lyft, Experian, and XXXX, despite Chases full awareness that my accounts and debit cards were locked at the time ; Chase admitted, in XXXX separate CFPB responses, that it did not know how or why these transactions were allowed to process, clearly confirming failure of fraud detection and prevention protocols ; Repeated automated denials of accountability demonstrate procedural abandonment, consumer deception, and an open violation of Chases duties under Regulation E, Regulation Z, and the Gramm-Leach-Bliley Act ; Following my formal demand for redress and settlement compensation, Chase initiated retaliatory reversals of active fraud claims, totaling over {$800.00}, and closed claims without due process, while ongoing investigations into similar fraudulent Lyft transactions remain openconstituting retaliatory, selective, and deceptive conduct ; Most recently, on XX/XX/year>, a fraudulent transaction of {$83.00} was refunded after review, only for that refund to be reversed without notice on XX/XX/year>, resulting in unauthorized overdraft from my savings account. 

Taken in total, this pattern of behavior demonstrates a clear institutional ethos of noncompliance, bad faith, and structural failure, in line with the systemic misconduct Chase is already known for in numerous class action lawsuits and federal enforcement actions. These facts support the need for immediate intervention and external regulatory review.

Therefore, I now formally and legally demand the following : 1. Immediate reinstatement of all reversed funds and fraudulent charges from all pending and previously adjudicated disputes, including the {$83.00} and the XXXX XXXXXXXX in retaliatory reversals ; 2. A binding, enforceable agreement to cease further reversals or retaliation during ongoing dispute processes ; 3. A full, written report and certified timeline of each fraudulent transaction, showing the status of my card and account at the time of authorization ; 4. Submission of all recorded calls to an independent agency or court for review and preservation ; 5. Regulatory audit of Chases responses to all CFPB complaints filed by me, and a follow-up review for discrepancies and false statements ; 6. Binding arbitration proceedings, as demanded, to begin immediately as per federal law and Chases published customer agreements ; 7. Monetary settlement compensation in the amount of {$1.00} XXXX USD, reflecting : Verified systemic fraud facilitation and repeated unauthorized transactions ; Loss of access to my funds and retaliatory behavior ; Emotional distress, procedural damages, and reputational harm ; Clear and repeated violations of consumer protection law, federal regulations, and fiduciary obligations. 

Failure to respond in full, in writing, within XXXX ( XXXX ) business days will result in the initiation of legal action in state and federal court, as well as continued escalation to the CFPB, OCC, FDIC, and appropriate divisions of the XXXX XXXX XXXX. 

This demand is submitted under full reservation of rights. All statements herein are made with full legal effect.

All Rights Reserved UCC 1-308 Respectfully, [ XXXXXXXX XXXX XXXXXXXX ] Account ending in XXXX and XXXX XX/XX/year> ALL CORRESPONDENCE SHOULD AND NEEDS TO BE DIRECTED TO : XXXX or Chases secure message for receipt and transparency

Company response to consumer: Closed with explanation