Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding their threatened closure of my checking and/or savings account in retaliation for my legitimate disputes of unauthorized transactions. On multiple occasions, I discovered and promptly reported unauthorized transactions appearing on my account from the same merchant/name. Chase previously acknowledged these as unauthorized by issuing provisional credits for identical or substantially similar disputes on different dates. Despite this prior recognition of the fraud, Chase has now refused to honor subsequent legitimate disputes for the same merchant/name and has instead issued a notice threatening to close my account solely because I continued to report and dispute these clearly unauthorized charges. This inconsistent and retaliatory conduct violates consumer protection laws. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ), Chase is required to promptly investigate claims of unauthorized electronic fund transfers and to provisionally credit the consumers account during the investigation. Having already credited similar disputes in the past demonstrates that Chase itself recognized the transactions as fraudulent. Their current decision to penalize me for continuing to exercise my rights under Regulation E is arbitrary, capricious, and appears designed to discourage consumers from protecting themselves against ongoing fraud. Chases threatened account closure constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Consumer Financial Protection Act. By punishing a customer for reporting legitimate unauthorized activity especially after previously crediting similar claims Chase is effectively forcing consumers to absorb fraudulent losses rather than fulfill their legal obligations. I request the following immediate relief : 1. Immediate reversal of the account closure decision and full restoration of banking services. 2. A complete re-investigation of all disputed unauthorized transactions, with proper provisional credits issued as required by Regulation E. 3. Written confirmation that no adverse action will be taken against me for exercising my statutory consumer rights. 4. Full documentation of Chases internal decision-making process regarding this threatened closure. I have maintained detailed records of all communications, prior credits issued by Chase, dispute submissions, and supporting evidence ( including police reports ). I am prepared to provide additional documentation upon request. This situation has caused me significant financial stress, inconvenience, and disruption to my banking relationship. I expect Chase to immediately cease this retaliatory action and fully comply with all applicable federal consumer financial laws and regulations. Furthermore, I am deeply concerned that Chases retaliatory threat to close my account follows a documented pattern of similar misconduct that has already drawn intense regulatory scrutiny and high-profile litigation against JPMorgan Chase . I am fully prepared to escalate this matter immediately to the Office of the Comptroller of the Currency ( OCC ), pursue formal legal action, and seek all available remedies, including those being pursued in prominent ongoing cases involving improper account closures. Chase should be aware that penalizing a consumer for legitimately disputing unauthorized transactions especially after previously issuing credits for the very same merchant will not be tolerated and may result in further regulatory enforcement, public exposure, and personal liability for this abusive practice. my account number XXXX XXXX XXXX name address XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX

Company response to consumer: Closed with explanation