Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This wire was to a joint account under the names of both XXXX XXXX XXXX and XXXX XXXX XXXX. It is believed the risk indicators casing the adverse actions were from the addition of XXXX XXXX XXXX the the account and we require the entire risk file which includes any data associated with XXXX XXXX. This means the complete file not just the name of the source the entire file provided by the source. 

XXXX XXXX XXXX identifiers are as follows : XXXX : XX/XX/XXXX SSN : XXXX To Whom It May Concern, I am submitting this supplemental complaint regarding JPMorgan Chase Bank , N.A . ( Chase ) and its handling of a wire transfer and subsequent demand for return of funds. 

* * Summary of Events * * In XXXX XXXX XXXX XXXX XXXX XXXX Chase demanded the return of a * * {$4900.00} wire transfer * * that had been sent * * from XXXX XXXX to my Chase account * *. No prior notice, explanation, or documentation supporting this demand was provided at the time. 

I filed a complaint with the Consumer Financial Protection Bureau regarding this action. In Chases written response to the CFPB, Chase stated that it was * * acting solely in response to a request from XXXX XXXX * * and that the demand for return of funds originated with XXXX XXXX, not Chase. 

* * Failure to Disclose Third-Party Request and Risk Data * * Despite admitting reliance on a third-party bank request, Chase has failed to provide : * The * * complete and unredacted request * * received from XXXX XXXX * Any * * risk indicators, alerts, or reports * * transmitted by XXXX XXXX to Chase * Any * * supporting documentation, data, or analysis * * XXXX XXXX relied upon in making the request * Any * * internal Chase risk assessments or reports * * generated in response to XXXX XXXX request * Identification XXXX any * * consumer reporting agency, data broker, or risk service * * whose data was referenced or relied upon by either XXXX XXXX or Chase in connection with this action Chases response did not include the underlying request itself, nor did it disclose the data or risk rationale that allegedly justified the demand for return of funds. 

* * Request for CFPB Assistance * * I am requesting that the CFPB require JPMorgan Chase Bank , N.A . to provide : 1. The * * entire wire recall or return request * * received from XXXX XXXX, including all attachments, codes, notes, and metadata.

2. All * * risk reports, alerts, or indicators * * provided by XXXX XXXX to Chase in connection with this request.

3. Disclosure of any * * third-party data sources * *, including consumer reporting agencies or risk vendors, whose data was used by XXXX XXXX or Chase in connection with the wire transfer. 
4. All * * internal Chase records, communications, and assessments * * generated as a result of the XXXX XXXX request. 

Where a financial institution takes adverse or restrictive action based entirely on another institutions request, transparency regarding the underlying data and risk rationale is essential. To date, that transparency has not been provided. 

Thank you for your assistance in ensuring compliance with applicable consumer protection and disclosure obligations. 

Sincerely, * * XXXX XXXX XXXX * *

Company response to consumer: Closed with explanation