Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is not a duplicate. This is not a complaint. It's a call to action on both cfpb and chase to adhere to federal law. It's a demand exercising my rights afforded to me by 38usc5301. I need cfpb to ensure this law is strictly followed. There's no investigations needed by chase. I'm not asking permission or giving anyone a option. You must see that XXXX credits back all unauthorized transactions with out further delay. I'm requesting the same services from occ and Ohio ag. 




Subject : **Formal Complaint Unauthorized Use of VA Disability Benefits in Violation of XXXX U.S.C . 5301** Dear CFPB Representative, I am filing a formal complaint against Chase Bank for **violating 38 U.S.C. 5301** by unlawfully withdrawing funds from my **VA disability benefits**, despite the federal protections that prevent such transactions. Chase provided provisional credit for certain transactions but later **reversed the credits, directly taking funds from my VA benefits**. This is a **direct violation of federal law**.

Chase and all it's employees ( customer service and supervisors, claims and supervisors, investigating dept, executive office, back office personnel, branch managers ) purposely refused to acknowledge 38usc5301 and what it was or even acknowledge it was a law. Ignorance is a lie used to manipulate my government funds in such a way that breaks federal laws.

-- - # # # **Unauthorized Transactions Funded by VA Disability Benefits ( Arranged by Date ) ** - XXXX {$240.00} ( XXXX XXXX ) - XXXX {$50.00} ( XXXX XXXX ) - XXXX {$14.00} ( XXXX XXXX ) - XXXX {$50.00} ( XXXX XXXX ) - XXXX {$50.00} ( XXXX XXXX ) - XXXX {$65.00} ( XXXX XXXX  ) - XXXX {$33.00} ( XXXX XXXX ) - XXXX {$140.00} ( XXXX XXXX XXXX  # XXXX ) - XXXX {$33.00} ( XXXX XXXX ) - XXXX {$310.00} ( XXXXXXXX XXXXXXXX XXXX ) - XXXX {$500.00} ( Unknown ATM Withdrawal XXXX XXXX XXXX {$260.00} ( XXXX XXXX  ) - XXXX {$300.00} ( XXXX XXXX ) - XXXX {$500.00} ( XXXX XXXX ) XXXX XXXX {$66.00} ( XXXX XXXX  ) - XXXX {$220.00} ( XXXX XXXX XXXXXXXX XXXX ) - XXXX {$520.00} ( XXXX XXXX XXXX XXXX  ) - XXXX {$2.00} ( XXXX XXXX # XXXX ) Total unauthorized withdrawals : ** $ XXXX XXXX XXXX XXXX XXXXViolation of 38 U.S.C. 5301** Under **38 U.S.C. 5301**, VA disability benefits ** can not be seized, garnished, or used to pay unauthorized charges**. Chase has violated this protection by : 1. **Reversing provisional credit and directly withdrawing funds from my VA disability benefits. ** 2. **Failing to return my VA-protected funds, despite federal protections. ** 3. **Causing financial hardship by unlawfully reducing my VA benefits. ** no investigative actions are needed since this isn't a despute. It's a revocation of authorizations. I'm not asking for permission either.

# # # **Requested Actions** I formally request the **CFPB to enforce 38 U.S.C. 5301** and order Chase to : 1. **Immediately return all unauthorized withdrawn funds ( {$3300.00} ) from my VA disability benefits. ** 2. **Cease any further attempts to access my VA disability benefits for unauthorized transactions. ** 3. **Investigate Chases systemic failure to comply with federal laws protecting veterans ' benefits. ** 4. **Compensate me for financial losses, time spent, and the undue distress caused by Chases violation of 38 U.S.C . 5301. ** Chases illegal actions have deprived me of these federally protected funds, causing me financial hardship and unnecessary stress. **I expect immediate restitution and full enforcement of 38 U.S.C . 5301. ** Please confirm receipt of this complaint and provide a timeline for corrective action.

Company response to consumer: Closed with explanation