Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive been a loyal Chase customer for over a decade. I used to rave about how easy it was to bank with themACH transfers between personal accounts, especially to other Chase users, were fast, reliable, and often completely free. Chase felt like a bank that actually cared about making things easier for people. It was the gold standard of modern banking.

But not anymore. 

Chase just took a wrecking ball to all of that trust.

They've removed ACH capabilities for personal account holders and now force us to use wire transferseven for transfers to other Chase customerscharging a ridiculous {$25.00} fee per transaction.

Let me be clear : What used to cost {$3.00}, Or was totally free if it was Chase-to-Chase, has been replaced with a mandatory {$25.00} wire.

And thats not even the worst part. 

Now, Chase only allows up to {$25000.00} per wire online or through the app.

Want to send more? You have to physically go to a branch. 

So, what happens if youre traveling abroad? Or in a remote location? Or handling an emergency while away from home? 

You're XXXX. 

You're blocked from moving your own money. Thats not banking. Thats captivity. 

And if you thought calling Chase would help, think again.

Their once-excellent, U.S.-based customer service has been replaced with overseas call centerswhere the reps dont even know how ACH payments actually work. I spent hours being bounced around, explaining basic banking concepts to people who were just reading scripts and wasting my time with irrelevant nonsense. That kind of service might be expected from some shady online company, but not from the biggest bank in the United States.

It gets worse. 

To make a simple {$11000.00} wire transfer, my account was blocked, the wire was denied, and I was left hanging. No explanation. No resolution. Just a system designed to make you feel like a criminal for trying to use your own money. 

This isnt just poor service. 
Its not just a bad policy. 

Its a calculated shift away from customer empowerment and toward corporate control. Its predatory by design. It punishes loyal customers for trusting a bank that has now lost its way. 

XXXX XXXX, you were once seen as a visionarysomeone who helped shape the future of finance. But now? Youve let Chase become everything it once stood against : slow, greedy, controlling, and totally disconnected from the needs of its users. You're no longer leading. Youre lagging. Maybe its age. Maybe its greed. But youve become worse than XXXX XXXX XXXXXXXX. 

And dont think people wont notice. 

Mark my words : Chase will bleed customers. 
Not in protestbut in pure necessity. Because there are now better alternatives. 
XXXX, XXXX, fintechstheyre coming for you. 
And youre making it easy for them. Youre handing them your customers on a silver platter. 

Shame on Chase. Shame on you and every executive who signed off on this betrayal.

You had our trust. 
And you sold it for {$25.00} per wire. 

# DitchChase # BankingRevolution # CryptoDoesItBetter # ChaseXXXX XXXX XXXX

Company response to consumer: Closed with explanation