Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Date of Incident : XX/XX/year> Bank Involved : JPMorgan Chase Bank , N.A . 
Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Amount Involved : {$200.00} ( child support payment ) Summary of Events On XX/XX/year>, my ex-husband made a {$200.00} child support payment at a Chase branch using a money order. The money order listed both my name and my childs name but my ex-husband clearly instructed the teller that the funds were to be deposited into my personal account, not my childs account. 

The teller provided my ex-husband with a receipt confirming that the funds were deposited into my account. However, later that same day, the teller reversed the deposit, removed the funds from my account, and placed the money into my minor childs account without my consent or authorization. 

During this same time, my childs first paycheck from her new teen job was deposited into her account. Because the teller had mistakenly and unlawfully placed the child support funds there, my child believed the extra funds were from her paycheck and spent the money unknowingly. 

As a result : I did not receive my child support payment. 
I incurred bounced check fees and other financial hardship, including a potential eviction, because the funds I was relying on were not available. 
The teller altered the deposit slip, crossing out my account number and writing my childs account number instead. 
Neither I nor my ex-husband authorized or consented to this account change or transfer. 
The branch manager stated that Chases legal department would contact me, but I have not received any response or resolution. 

Nature of Complaint This situation appears to involve : Unauthorized account activity ( deposit reversal and re-deposit without consent ). 
Improper handling of a money order intended for a specific account. 
Possible violation of Regulation E ( Electronic Fund Transfers Act ) or Regulation DD ( Truth in Savings Act ) regarding unauthorized or improper transaction handling. 
Breach of fiduciary duty and confidentiality, as the teller took unilateral action affecting multiple accounts, including a minors account, without consent. 
Failure to provide timely resolution or response to a consumer complaint as required under CFPB complaint-handling guidelines Due to the tellers actions, I am now : Missing my {$200.00} child support payment. 
Facing eviction and returned-check fees. 
Experiencing emotional distress and loss of trust in the bank. 

I am requesting : XXXX. Immediate reimbursement of the {$200.00} child support funds. 
XXXX. Reversal of all related fees or penalties. 
XXXX. A written explanation from Chase Bank of how and why the teller reversed and re-deposited funds without consent. 
XXXX. A review by the CFPB to determine if Chase violated banking regulations concerning unauthorized account activity and handling of minor accounts. 

The tellers actions may implicate the following federal laws and regulations : XXXX. 12 CFR 1005 Regulation E ( Electronic Fund Transfers Act ) * * Covers unauthorized transfers of funds from a consumers account. 
XXXX. 12 CFR 1009 Regulation DD ( Truth in Savings Act ) Relates to accurate disclosure and handling of account transactions. 
XXXX. 12 CFR 1002 Regulation B ( Equal Credit Opportunity Act ) if discrimination or mishandling occurred based on familial status. 
XXXX. Unauthorized Account Access / Misapplication of Funds A potential violation under the XXXX XXXX XXXX XXXX and banks fiduciary obligations. 
XXXX. State banking laws ( varies by state ) may also classify the tellers actions as negligence, conversion, or unauthorized transaction.

Company response to consumer: Closed with explanation