Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Unlawful Retention / Failure to Return International Wire Transfer Funds by XXXX. XXXX XXXX JP Morgan and XXXX XXXX XXXXXXXX I am submitting this complaint regarding international wire transfers that was processed through a XXXX XXXX XXXX and has been unlawfully withheld, delayed, or not properly returned. 1 ) Date : XX/XX/year> Amount : {$55000.00} USD Payment ID : XXXX UETR : XXXX Originating bank : [ XXXX XXXXXXXX XXXX XXXX Beneficiary bank : [ JP MORGAN CHASE XXXX XXXX XXXX Beneficiary name : [ XXXX XXXX XXXX XXXX XXXX Intermediary/correspondent bank : [ JP MORGAN XXXX XXXX but JP Morgan XXXX XXXX XXXX XXXX that the funds are with XXXX XXXX XXXXXXXX XXXX XXXX XXXX : NO XXXX ) Date : XX/XX/year> Amount : {$18000.00} USD Payment ID : XXXX UETR : XXXX Originating bank : [ TD XXXX XXXX ] Beneficiary bank : [ JP MORGAN CHASE XXXX XXXX ] Beneficiary name XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ] Intermediary/correspondent bank XXXX XXXX JP MORGAN XXXX ] XXXX available : NO Description of the Problem The wire transfers were transmitted through the above intermediary bank. The funds have not been credited to the beneficiary, nor properly returned to the originating account despite repeated requests and formal trace investigations. I have requested clarification and resolution through the originating bank and/or receiving bank, including : XXXX trace requests, wire recall requests, investigation requests, and status inquiries. Despite these efforts : the intermediary bank has failed to provide a lawful explanation for retaining the funds, failed to timely return rejected funds. We know that we come as false positive with the sanctioned numbered company that has only been using a name similar to ours as their operating name, but all the entities have our legal paperwork and we cooperated with everyone with providing all the details and back up information to clear this up, yet we can not get the funds returned and that is causing our small business to collapse as we can not operate with so much money being on hold and without a possibility to transact properly. To date the funds remain improperly retained, and substantial financial harm has resulted. I believe the intermediary bank may have engaged in : improper withholding of funds, failure to follow wire transfer handling obligations, unreasonable delay, lack of transparency, negligent processing, and unjustified retention of our funds. Since the transfer was rejected ( and we were notified by XXXX that the wire was rejected and XXXX even showed us XXXX records with rejection notice ), the funds should have been promptly returned through the wire chain. Requested Resolution I respectfully request that the CFPB/OCC : Investigate the intermediary banks handling of these wire transfers ; Require immediate release or return of the funds. Supporting Documents are attached Thank you for your attention to this matter. Sincerely, XXXX XXXX, Managing DirectorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation