Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX Ga, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Office of the Comptroller of the Currency ( OCC ) Customer Assistance Group XXXX. XXXX XXXX XXXX, TX XXXX Fax : XXXX XXXX XXXX XXXX https : //helpwithmybank.gov AND Federal Communications Commission ( FCC ) Consumer Complaint Center XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX : https : //consumercomplaints.fcc.gov Subject : Formal Complaint and Demand for Federal Review JPMorgan Chase Bank Misconduct and Financial Tampering To Whom It May Concern, I am submitting this joint complaint to both the OCC and FCC due to the repeated misconduct, fraudulent activities, misrepresentations, and communication violations committed by JPMorgan Chase Bank in their dealings with my personal and business financial accounts. 

Following a string of verified fraudulent transactions including but not limited to a recurring charge of {$83.00} JPMorgan Chase has acted willfully and deceptively in how they have handled the investigation, communications, and resulting reimbursements. 

Key Violations Include : 1. Failure to Maintain Accurate Account Records : Refunds were deceptively split between my checking account ( ending in XXXX ) and savings account ( ending in XXXX ), contrary to where the charges originated. 
As of XX/XX/XXXX, key transactions related to these disputes have been altered or deleted, impeding transparency and auditability. 
2. Misuse and Manipulation of Claims Process : My original fraud claim was filed on XX/XX/XXXX, yet Chase representatives repeatedly denied its existence until escalation. 
Their own internal investigation confirmed fraud occurred during the second claim. Despite this, Chase reversed credited funds and now attempts to recoup them, constituting what can only be described as theft or retaliatory conduct. 
3. Deceptive Communications : Representatives provided false and contradictory information about claim timelines, credit processing, and transaction history in recorded calls.

After demanding settlement and asserting my rights, Chase altered their position, closed open claims prematurely, and withheld documentation.

4. Violation of Regulation E ( Electronic Fund Transfer Act ) and Regulation Z ( Truth in Lending Act ) : Transactions occurred while my account was in a locked status, which Chase acknowledges should not be possible, thereby breaching federal consumer protections. 
They failed to deliver required disclosures or documentation in a truthful and timely manner. 
5. Failure to Comply with Arbitration and Dispute Resolution Procedures : I have made formal demands for arbitration under their consumer agreement. These have been ignored or dismissed without basis, further compounding Chases bad faith.

6. Tampering with Evidence of Misconduct : A rush debit card fee charged on XX/XX/XXXX has been removed from transaction history, with no replacement, refund, or explanation, again demonstrating document manipulation. 



Relief Sought : A full federal review of JPMorgan Chases actions under OCC banking regulations, the FDCPA, Regulation E, Regulation Z, and relevant FCC communications guidelines.

Immediate cessation of all unauthorized reversals, debits, holds, or interference with my accounts until arbitration or court resolution is complete. 
Formal enforcement action for violations of transparency, dispute resolution, and communication standards. 
A federally mediated arbitration or civil judgment to recover losses, reputational damage, and statutory penalties. 

This complaint is not a duplicate. It contains new material facts and events, and I demand it be reviewed with all due diligence and seriousness as required by federal law. 

Respectfully, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation