Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of an XXXX XXXX XXXX scheme. I was forced to make transactions on my Chase checking accounts under duress, under threat of physical harm, and without my genuine consent. Chase Bank has denied my fraud claim despite my providing a police report and FTC XXXX Theft Report. CRIMINAL BACKGROUND : I have been held at gunpoint twice and threatened with a hitman. The extortion scheme has stolen over {$5.00} XXXX from me. I have filed a police report with the XXXX XXXX Police Department ( Case # : XXXX ) and an FTC XXXX XXXX Report ( Report # : XXXX ). UNAUTHORIZED TRANSACTIONS ( all made under duress ) : A. XXXX Payments from Chase Checking Accounts ( coerced ) : I was forced to send XXXX payments from my Chase checking accounts to the following recipients against my will : - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX / XXXX Concrete These payments were made between XX/XX/XXXX, and XX/XX/XXXX. B. XXXX Withdrawals from Chase Checking Accounts ( forced ) : I was forced to withdraw cash from my Chase checking accounts under threat of physical harm. These withdrawals occurred throughout XXXX. CHASE BANK 'S RESPONSE : Chase denied my fraud claim despite my providing : - A formal police report ( Case # : XXXX ) - An FTC XXXX XXXXt Report ( Report # : XXXX ) - A detailed written dispute letter - Documentation of the extortion scheme including gunpoint threats Chase refuses XXXX reverse these coerced transactions. Chase claims the transactions were " authorized '' because I logged into my account. However, authorization obtained through force, threats, and intimidation is not valid consent under the law. LEGAL VIOLATIONS : XXXX. Regulation XXXX ( Electronic Fund Transfer Act ) Violation : Under Regulation E ( 12 C.F.R. 1005.2 ( m ) ), an unauthorized electronic fund transfer includes a transfer initiated by a person who obtained access through force or intimidation. I was held at gunpoint. The coerced XXXX payments and forced cash withdrawals from my checking accounts are unauthorized electronic fund transfers. Chase has failed to investigate and reverse these unauthorized transfers. XXXX. Failure to Provide Provisional Credit : Under Regulation XXXX, Chase is required to provide provisional credit within XXXX business days of my fraud report for disputed electronic fund transfers. Chase has not provided provisional credit for the coerced XXXX payments or forced cash withdrawals. XXXX. Unfair and Deceptive Practices : Chase 's denial of my fraud claim despite clear evidence of criminal extortion constitutes an unfair and deceptive practice in violation of consumer protection laws. XXXX. Violation of the Electronic Fund Transfer Act ( XXXX ) : Chase has violated the XXXX by failing to conduct a proper investigation and failing to reverse unauthorized electronic fund transfers made under duress. PRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with Chase multiple times : - I called Chase XXXX Department ( XXXX, option XXXX ) - I submitted written dispute letters via Certified Mail - I visited a Chase branch in person - I provided my police report and FTC Identity Theft Report - Chase denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : XXXX. Full investigation of all coerced transactions on my Chase checking accounts. XXXX. Reversal of all unauthorized transactions, including : - XXXX coerced XXXX payments to the XXXX recipients listed above - All forced cash withdrawals from checking accounts XXXX. XXXX credit as required under Regulation XXXX for all disputed electronic fund transfers. XXXX. Removal of all associated fees and negative balance charges. XXXX. Reimbursement for any overdraft fees resulting from these coerced transactions. XXXX. Written confirmation of resolution. I have attached my police report ( Case # : XXXX ) and FTC XXXXXXXX XXXX Report ( Report # : XXXX ) as evidence. I declare under penalty of perjury that the foregoing is true and correct. " " Section XXXX : Desired Resolution Select or write : Desired resolution : " Investigation of my fraud claim, reversal of all coerced XXXX payments and forced cash withdrawals, provisional credit under Regulation XXXX, removal of all fees, and written confirmation. '' Section XXXX : Attachments Attach the following documents ( if available ) : Document Attached? Police report ( Case # : XXXX ) FTC XXXX XXXX Report ( Report # : XXXX )

Company response to consumer: Closed with monetary relief