Consumer complaint received 2026-05-24 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: MN

Complaint narrative:
RE : FORMAL DEMAND AND NOTICE OF REGULATORY VIOLATIONS Claim Number XXXX To XXXX XXXX On XX/XX/XXXX I received a deposit from XXXX in the amount of {$1200.00}. I was sick that whole week from Monday XXXX Friday the XXXX XXXX. I woke up around XXXX and I checked my account and I noticed that there were 2 unauthorized money transerfs to XXXX XXXX and XXXX XXXX. I called up and notified you immediately but they couldn't transfer to the dispute team. I noticed my email was used during this. So I dispute it 5x 3 x with disputes team and 2x with executive relations. Now even your 2 executive relations XXXX and XXXX the head manager. They denied opening my claim. They never ever sent a dispute to the merchants They assume I made these transactions. First off the last head Dispute team Head Manager in XXXX around XX/XX/XXXX. Specifically said You are lying, you made all these transactions you have made and frankly to tell you Sir I have never ever seen these many disputes in any ones account since I have been here for 15 years. I believe '' you made these transactions and you regret making these transactions and are trying to get your money back ''!!! I think you are FRAUD AND I AM GOING TO HAVE YOU INVESTIGATED. AND I WILL MAKE SURE YOUR CLAIM NEVER GETS APPROVED EVEN WITH A POLICE REPORT IR ANY OTHER DOCUMENTS.!!! HAVE A GOOD DAY??! Than he hangs up! an unauthorized charge of {$1100.00} on XX/XX/year> occurred. I did not authorize, benefit from, or participate in this transaction. Chase Executive Relations denied my claim on 5 occasions, stating there was 'no evidence ' of fraud, but failed to provide their investigative documentation as required by federal law. The bank has failed its statutory obligation to perform a reasonable investigation under Regulation E/Z. I am formally escalating the denial of my fraud claims totaling {$1100.00}. Chase Bank has denied these claims without providing a substantive explanation or the required documentation, in direct violation of my rights as a consumer. 1. Violation of Regulation E ( 12 C.F.R. 1005 ) Under federal law, Chase Bank has a mandatory duty to conduct a " reasonable investigation '' into unauthorized transfers. A denial without a detailed, evidence-based explanation is not a reasonable investigation. Furthermore, per 12 C.F.R. 1005.11 ( d ), you are required to provide the documents that you relied upon to reach your conclusion. Your failure to do so is a breach of federal regulatory requirements. 2. Violation of the FTC Act ( 15 U.S.C. 45 ) The lack of transparency in your dispute process constitutes an Unfair or Deceptive Act or Practice ( UDAP ). By withholding information and providing empty denials, Chase Bank is hindering my ability to contest errors, which is a deceptive practice under Section 5 of the FTC Act. 3. Demand for Immediate Action To avoid further escalation, I demand : A Formal Written Explanation : A detailed account of why these specific transactions were deemed " authorized, '' including the evidence you relied upon. Production of Investigative Records : Copies of all internal reports and logs regarding these claims. Reinstatement of Funds : A reversal of the XXXX XXXXin unauthorized charges. I have already prepared filings with the CFPB, OCC, and FTC regarding these violations. Failure to provide a substantive response within 10 business days will result in a formal lawsuit in Minnesota Conciliation Court, where I will present all evidence of your bad-faith handling of these claims. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation