Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Unauthorized Disbursement of Funds, XXXX XXXX XXXX, Statutory Violations Case No. XXXX To Whom It XXXX Concern, On XX/XX/year>, the XXXX XXXX XXXX entered XXXX XXXX XXXX Order Modifying Garnishment in XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The court order instructed Chase Bank to ( 1 ) remit {$250.00} to Plaintiff 's counsel and ( 2 ) immediately release the remaining balance to me. Instead, XXXX unlawfully transferred the entire balance to the garnishing party, ignoring the directive to release the remaining funds to me. 
In addition to this unlawful transfer, XXXX imposed an unauthorized {$100.00} legal processing fee despite the procedural failure. My repeated attempts to resolve the issue through their customer service channels, including multiple phone calls and in-person interactions, were met with hostile and dismissive responses. 

Chase Bank 's failure to provide assistance left me with no access to my funds, resulting in significant financial distress. After finally reaching a XXXX representative, only XXXX overdraft charges were removed. However, the majority of overdraft charges were not addressed, despite the fact that these fees were caused directly by XXXX 's mishandling of the garnishment order and the hold placed on my account. 

This caused continued negative balances, delayed payments, and disconnection of services. 
As a result of XXXX 's actions, I incurred significant additional charges, including late fees, overdraft fees, and collection costs. I was forced to take out payday loans to cover basic living expenses, which only further entrenched me in a cycle of debt and financial instability. These actions directly prevented me from affording necessities such as gas and food, and led to ongoing service disconnections for utilities and other essential accounts. The ongoing strain placed on my finances has now escalated... 

Further, XXXX closed my bank account, preventing me from accessing my records and leaving me without the necessary documentation to manage my financial obligations. As a result, I currently face a negative balance of approximately {$700.00} in my closed account and have been unable to retrieve the required documentation to dispute the charges properly. 

The actions of Chase Bank have caused the following legal violations : 1. Contempt of XXXX : XXXX XXXX ( XXXX XXXX XXXX ) -- Failure to comply with a valid court order 2. XXXX of Funds : XXXX XXXX -- Unauthorized transfer of funds held under legal protection 3. Breach of Fiduciary Duty : Mishandling of assets during a pending legal matter 4. Violation of the XXXX XXXX ( XXXX XXXX. XXXX ) : Unauthorized disclosure of personal financial information 5. Violation of XXXX XXXX : Unfair, misleading, and deceptive commercial practices 6. Failure to Maintain Lawful Escalation Procedures : XXXX noncompliance under federal financial services standards 7. Violation of XXXX XXXX : Charging excessive fees in relation to overdrafts and payday loan Demand for Relief : I hereby demand Chase immediate payment of {$10000.00} to resolve all claims relating to these violations, including : - Improper handling of garnishment and fund conversion - Overdraft fees, payday loan costs, and the ongoing financial strain caused by XXXX 's actions - Late fees, service disconnections, and other financial damage - Mental and emotional distress caused by the mishandling of my account and failure to provide adequate support Thank you for taking the time to hear my case. I have been met with dead ends every time I try to reach out to this company, as well as my lawyer. I look forward to hearing from you. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation