Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against JPMorgan Chase Bank , N.A . ( Chase ) for racial discrimination and retaliation in the provision of banking services in violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and my contractual and civil rights under 42 U.S.C. 1981. These violations have caused me severe emotional distress, public humiliation, and ongoing harm. 

Summary of Facts I am a XXXX customer of Chase and hold a business checking account ending in XXXX. On XX/XX/XXXX at approximately XXXX, I visited the Chase branch at XXXX XXXX XXXX, XXXX, Ga XXXX to make a routine withdrawal of approximately {$900.00} following a recent deposit. I did not have my physical debit card with me but was prepared to use alternative verification methods, including providing my debit card number and photos of myself holding my government-issued ID. 

XXXX. Chases cardless withdrawal feature repeatedly failed to send the required verification code to my mobile phone despite multiple attempts at both the lobby ATM and the drive-through ATM. A notification was sent to my phone, but the ATM still denied the transaction. 

XXXX. While attempting the transaction, a XXXX customer standing immediately next to mewho also did not have a physical debit cardcompleted a cardless withdrawal without any verification issues. 

XXXX. A Chase employee ( name unknown, XXXX XXXX about XXXX in height had her hair in a bun on the second day responded to my frustration with sarcasm, dismissing me and stating, You can go to another branch with an attitude. 

XXXX. I contacted Chase customer service from the branch parking lot. The initial representative claimed no attempted transactions were visible, despite my providing a receipt showing the attempts. Within XXXX minutes, she acknowledged the attempts, escalated to the Chase Debit Card Fraud department, and required me to answer numerous security questions ( all answered correctly ). The restriction was lifted, but I had to leave for work and could not complete the withdrawal. 
On XX/XX/XXXX at approximately, I returned to the same branch to attempt the {$900.00} withdrawal again, approaching calmly and without profanity or rudeness. I explained my feelings about the prior incident and how it had made me feel discriminated against due to my race. 

XXXX. The teller ( name unknown ; possibly the same sarcastic employee from the first incident ) initially began processing the withdrawal. However, upon recognizing me, the rude employee from the previous day interrupted, demanded my physical debit card ( which I keep secured for safety but was ready to verify via card number and ID photos ), and halted the transaction. 

XXXX. Branch manager XXXX XXXX then intervened, falsely accused me of being verbally abusive ( contradicted by my audio recording of the interaction, which shows me remaining calm and professional ), and escorted me out of the branch. When I pointed out the XXXX customers successful ID-based withdrawal the day before, XXXX XXXX responded on recording : Well, everybodys situation is different. This statement, made in direct response to my reference to the racial disparity, constitutes an admission of disparate treatment based on race. 

XXXX. As a result, I was denied access to my own funds for a second consecutive day, exacerbating my emotional distress and sense of dehumanization. I have since sought therapy through my employers XXXXXXXX XXXX XXXXXXXX to address feelings of humiliation, XXXX, and being treated as less than due to my race. 
This pattern of treatmentrepeated denials despite valid alternatives, hostile interruptions, false accusations, and an explicit admission of differential handlingdemonstrates clear racial discrimination and retaliation. The XXXXk comparator in the identical cardless situation further evidences disparate treatment. 

Parties involved XXXX XXXX XXXX XXXX XXXX XXXX  with hair in a ponytail. 
A XXXX XXXX XXXX XXXX  ( denied me the first time ) XXXX  ( was being trained at the time, had a little smirk on his face when I originally accused the process of verification of discrimination. 

I am prepared to cooperate fully with any investigation and can be reached at :

Company response to consumer: Closed with explanation