Consumer complaint received 2025-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Urgent Complaint Regarding Data Breach and Theft of XXXX XXXX Benefits by JPMorgan Chase Bank To Whom It May Concern, I am writing to formally lodge a complaint against JPMorgan Chase Bank, the issuer of my state 's food stamp ( SNAP ) EBT card, regarding their failure to protect my benefits, resulting in the theft of all funds due to a data breach. This situation is a direct and catastrophic violation of multiple state and federal consumer protection laws, as well as provisions under the Uniform Commercial Code ( UCC ). It has caused significant and irreparable harm to me and my children, who are now facing a dire threat to our survival due to this negligence. 

As of XX/XX/year>, I have lost {$1800.00} in benefits due to this theft. This loss has deprived my family of essential resources, leaving us unable to purchase food. JPMorgan Chase has failed to take appropriate action to restore these funds or address the underlying security failure that caused this issue. 

Violations and Legal Breaches : Federal Consumer Protection Laws 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

JPMorgan Chase is obligated to safeguard electronic transactions and protect consumers from unauthorized transfers. Their failure to promptly detect and prevent the theft constitutes a breach of their duty under Regulation E, including failure to investigate and resolve unauthorized transactions within 10 business days as required.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

If JPMorgans data breach exposed personal information, they failed to safeguard sensitive data, thereby violating their duty under FCRA to protect consumer data from unauthorized access. 

XXXX. XXXX XXXX ( XXXX ), 15 U.S.C. 6801 JPMorgan failed to implement adequate security protocols to protect the confidentiality of financial and nonpublic personal information. 


Uniform Commercial Code ( UCC ) Violations 1. UCC 4A-202 : Security Procedures for Payment Orders JPMorgan failed to maintain commercially reasonable security procedures to verify that only authorized transactions were processed. The theft of my benefits directly indicates a lapse in implementing proper safeguards. 



2. UCC 4A-203 : Unauthorized Payment Orders JPMorgan is liable for processing unauthorized transactions. Their failure to detect and prevent the unauthorized access to my XXXX account constitutes gross negligence under this provision. 

3. UCC 4A-204 : Refund of Payment Orders Under this section, JPMorgan is obligated to refund the full amount of unauthorized transfers and can not disclaim responsibility due to the lack of security measures. 

4. UCC 4A-305 : Liability for Loss Caused by Improper Execution or Failure to Execute JPMorgan failed to execute their obligations properly by allowing unauthorized transactions and failing to reverse the improper transfers once reported.

5. UCC 4-103 : Variation by Agreement and Standards of Care The bank can not disclaim liability for its lack of ordinary care or bad faith. Allowing unauthorized access to my benefits and failing to resolve the issue promptly violates this provision.

6. UCC 4-401 : Bank 's Authority to Pay Items A bank is only authorized to pay items that are properly payable. Transactions resulting from unauthorized access are not " properly payable, '' and JPMorgan must be held accountable for allowing them. 

7. UCC 4-406 : Customers Duty to Review Statements While customers are required to report unauthorized activity promptly, JPMorgans inadequate security measures facilitated the breach. Their failure to protect against foreseeable fraud and unauthorized use of my account violates this duty.

Georgia Consumer Protection Laws 1. Georgia Personal Identity Protection Act ( O.C.G.A. 10-1-910 et seq. ) This act mandates that any entity maintaining computerized data that includes personal information of individuals must notify affected Georgia residents of any breach of the security of the system without unreasonable delay. JPMorgan 's failure to promptly inform me of the data breach constitutes a violation of this statute. 

2. Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) JPMorgan 's inadequate security measures and failure to prevent unauthorized access to my XXXX account constitute unfair and deceptive acts or practices in the conduct of consumer transactions, violating Georgia 's Fair Business Practices Act. 


Consequences of JPMorgans Negligence : This data breach and subsequent theft have directly deprived my family of the means to purchase food, putting our health and survival at imminent risk. Additionally, the mental and emotional toll of this ordeal has been devastating, causing undue stress and anxiety. 

Demands for Remedy : I demand the following remedies to address the violations and harm caused by JPMorgan Chase : 1. Immediate restoration of stolen XXXX benefits, totaling {$1800.00}, to my XXXX account in full to ensure my familys survival. 


XXXX. Compensation for damages, including : Emotional distress caused by JPMorgans negligence.

Time and resources spent addressing this issue.

3. Implementation of enhanced security measures to prevent future breaches, including : Multi-factor authentication for all XXXX transactions. 

Real-time fraud detection alerts. 

XXXX. Written acknowledgment of responsibility from JPMorgan Chase and a detailed explanation of how the breach occurred. 

Failure to resolve this matter promptly will leave me no choice but to escalate this complaint further, including pursuing legal remedies under applicable laws. 

Request for Immediate Action : I urge the Consumer Financial Protection Bureau to investigate this matter with the utmost urgency. JPMorgan Chase must be held accountable for their failure to protect my benefits and sensitive data. This breach has jeopardized the well-being of vulnerable families like mine, and immediate corrective action is required. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation