Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a NEW CFPB complaint about CONTINUING violations by JPMorgan Chase Bank , N.A . ( " Chase '' ) that have occurred since the pendency of my prior CFPB Complaint # XXXX ( filed XX/XX/XXXX ; still " Sent to Company '' 37 days later, 22 days past the CFPB 15-day target ). My earlier complaint # XXXX ( filed XX/XX/XXXX ) is closed ; feedback was provided XX/XX/XXXX. THIS complaint addresses Chase 's conduct AFTER those filings. UNDERLYING SCHEME Between approximately XXXX and XX/XX/XXXX I was fraudulently induced into financial transactions and account openings by an individual operating as " XXXX XXXX '' / " XXXXXXXX XXXX '' ( XXXX @ XXXX ). The same scheme produced ~ {$58000.00} in Chase deposit-account losses ( including a {$50000.00} wire from personal account ending XXXX to Crypto.com on XX/XX/XXXX ; {$3400.00} in fraud-induced XXXX payments ; and {$5000.00} in unauthorized XXXX XXXX debits against business account ending XXXX ), plus disputed Anthropic / Link by Stripe charges on Chase Ink Business credit card XXXX XXXX. FBI IC3 report filed XX/XX/XXXX, Submission ID XXXX. XXXX. CONTINUING TELEPHONE-COLLECTION ACTIVITY DURING DISPUTE PENDENCY ( 15 U.S.C. 1666 ( c ) ; 12 U.S.C. 5531 ) At least XXXX telephone calls from Chase between XX/XX/XXXX and XX/XX/XXXX. Notable instances : - XX/XX/XXXX ( XXXX ) -- XXXX days after the $ XXXX wire - XX/XX/XXXX ( XXXX ) -- day before IC3 + XXXX XXXX filings - XX/XX/XXXX ( XXXX )-- same day I filed CFPB # XXXX and OCC ; strong retaliation inference under 12 U.S.C. 5531 UDAAP - XXXX : XXXX calls during pendency of my XX/XX/XXXX Supplemented and Superseding Demand Letter ( Chase Executive Office Case XXXX XXXX ; includes a XX/XX/XXXX call from Chase Disputes Operations - XX/XX/XXXX XXXX XXXX Chase representative named " XXXX XXXX - XX/XX/XXXX at XXXX and XXXX XXXX PT : Chase Disputes Operations, second call voicemail-transcribed as " XXXX '' - XX/XX/XXXX approximately XXXX XXXX PT : Chase called AGAIN more than an hour AFTER I delivered a formal TCPA Revocation-of-Consent + FCBA/Reg E cease-call letter to XXXX at XXXX PT ( with OCC XXXX on cc ). Each call during pendency of the written FCBA / Reg E disputes is an independent violation of 15 U.S.C. 1666 ( c ) and 12 C.F.R. 1026.13 ( d ) ( 1 ), recoverable under 15 U.S.C. 1640 ( $ XXXX {$1000.00} per violation ). XXXX XXXX Chase Bank XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), is directly controlling -- the XXXX XXXX held that statutory damages for Chase 's multiple FCBA violations are NOT limited to a single recovery under 1640 ( g ), and that Chase consumers may also recover under state UDCPA-equivalent statutes ( here, the Arizona Consumer Fraud Act ). XXXX. XXXX ATTEMPTS AFTER WRITTEN REVOCATION ( 15 U.S.C. 1693e ; 12 C.F.R. 1005.10 ( c ) ) On XX/XX/XXXX at XXXX PT I delivered to XXXX a written revocation of all preauthorized ACH authorizations on Chase Ink Business credit card ending XXXX. Chase has nonetheless continued auto-debit attempts against business deposit account ending XXXX. Each attempt is an independent violation. 3. CONTINUED FEE ACCRUAL ON FRAUD-DISPUTED ACCOUNT XXXX ( 15 U.S.C. 1666 ( c ) ) Chase issued a new monthly statement on personal account ending XXXX -- the same account from which the disputed {$50000.00} wire originated -- on XX/XX/XXXX, with new fees and finance charges accruing during dispute pendency. 4. ONGOING ACCOUNT SUSPENSION + COERCIVE " YOU MUST CALL US '' DEMAND ( 15 U.S.C. 1666 ( c ) ( 2 ) ( F ) ; 12 U.S.C. 5531 UDAAP ) My online and telephone banking access has been suspended for approximately 70 days, commencing on or about the same day I notified Chase of my intent to file CFPB Complaint # XXXX. THE LOCKOUT IS ONGOING AS OF TODAY. Chase representatives continue to demand that I " call them '' to resolve the matter, in direct contravention of my written-only directives ( 5/1/2026 Demand Letter Section V.6 ; XX/XX/XXXX Chase Collection Cease Supplement ; XX/XX/XXXX TCPA Revocation-of-Consent letter ). Chase 's " you must call us '' posture, paired with the locked-out online access that PREVENTS me from filing additional written disputes through normal channels AND prevents me from reading the XX/XX/XXXX " We are not able to fulfill your request '' letter posted to Chase Mobile ( see Section 5 ), is a textbook unfair-deceptive-abusive pattern : Chase has constructed a closed loop in which the only channel offered to " resolve '' the disputes is the channel I have repeatedly and in writing revoked consent for, while simultaneously denying me written-channel access necessary to dispute or even READ Chase 's own communications. This satisfies 12 U.S.C. 5531 ( c ) ( 1 ) ( A ) and ( B ) ( UDAAP unfair-practice test : substantial injury + lack of reasonable consumer avoidability ) and independently violates 15 U.S.C. 1666 ( c ) ( 2 ) ( F ) and 12 C.F.R. 1026.13 ( d ) ( 3 ). 5. INADEQUATE WRITTEN FINDINGS -- XX/XX/XXXX DENIAL LETTER On XX/XX/XXXX at XXXX XXXX, Chase posted to Chase XXXX a letter captioned " We are not able to fulfill your request '' without identifying which of my multiple pending written requests was denied, without the substantive written reasoning required by 12 C.F.R. 1005.11 ( d ) ( 1 ) and 12 C.F.R. 1026.13 ( c ) ( 2 ), and without making available the documents Chase relied upon. Chase has not provided a plaintext copy to my email of record notwithstanding my repeated written request and my locked-out status on Chase Mobile . 6. NO SUBSTANTIVE RESPONSE TO COMPLAINT # XXXX As of today, Chase has not provided a substantive CFPB response XXXX Complaint # XXXX, which has been " Sent to Company '' for 37 days -- 22 days past the CFPB 15-day target. 7. GOOD-FAITH ACKNOWLEDGMENT -- CHASE IS NOW PROCESSING ANTHROPIC FCBA DISPUTES ON CARD XXXX I note in good faith that on XX/XX/XXXX between XXXX and XXXX PT ( approximately the same window during which I delivered my TCPA cease-call letter ), Chase issued approximately XXXX XXXX We received your dispute '' acknowledgments on Chase Ink Business credit card XXXX XXXX, covering the disputed Anthropic / Link by Stripe charges from my XX/XX/XXXX XXXX Notice. To the extent Chase has now begun processing those credit-card-side disputes under 12 C.F.R. 1026.13, that conduct is welcomed and is not the subject of this CFPB complaint. This complaint is NARROWED to the deposit-side and conduct-side violations identified in Sections 1-6 above, which Chase has NOT remediated. PARALLEL REGULATORY POSTURE AND ESCALATION - OCC Case XXXX -- formal appeal filed XX/XX/XXXX within the 60-day appeal window from the XXXX CAG letter dated XX/XX/XXXX - Chase Executive Office Case XXXX -- XX/XX/XXXX XXXX demand deadline - Arizona Attorney General Confirmation # XXXX XXXX FBI IC3 Submission ID XXXX - Federal Pro Se Complaint outline pre-staged under FCBA ( 15 U.S.C. 1666-1666j ), EFTA ( 15 U.S.C. 1693 et seq. ), TCPA ( 47 U.S.C. 227 ), UCC Article 4A ( commercially unreasonable security procedures on the {$50000.00} wire, per XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ), and Arizona Consumer Fraud Act ( A.R.S. 44-1521 et seq. ). Filing venue : U.S. District Court for the District of Arizona, XXXX. Trigger : if Chase blows the XX/XX/XXXX demand deadline AND fails to substantively respond to this CFPB complaint within 15 days.

Company response to consumer: Closed with non-monetary relief