Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I respectfully submit this statement as a supporting explanation and evidence, specifically requesting that the written email sent to me by JPMorgan Chase Bank be evaluated as proof of improper handling of my international XXXX transfer and an attempt to avoid responsibility.

The transaction details are as follows : Payment Date : XX/XX/2026 Amount Sent : USD XXXX Currency : USD Transaction ID : XXXX This wire transfer was initiated through JPMorgan Chase Bank in USD, as clearly stated in the wire instructions and transaction records. However, without any written or verbal consent from me, without prior disclosure, and without my explicit authorization, the funds were converted to XXXX, resulting in an unauthorized deduction of USD XXXX. 

In its written email to me, Chase Bank states that the currency conversion was performed by the intermediary bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ), and based on this assertion, attempts to shift responsibility to the intermediary bank and instructs me to contact XXXX directly.

This written statement does not constitute a valid defense for Chase Bank. On the contrary, it represents a clear admission that the transaction was handled improperly.

Specifically, Chase Bank : Acknowledges in writing that an unauthorized currency conversion occurred, Fails to provide any XXXX  documentation, written instruction, or customer consent justifying such conversion, Attempts to redirect responsibility to a third-party bank with whom I have no contractual relationship.

It is critical to emphasize that : I have no contractual or direct relationship with XXXX XXXX XXXX XXXX XXXXXXXX. 
The intermediary bank was selected, instructed, and managed entirely by JPMorgan Chase Bank.

Therefore, all duties related to disclosure, consent, documentation, and transaction transparency rest solely with Chase Bank.

Despite this, Chase Bank attempts to : Avoid responsibility for the transaction, Force the customer to deal with a third party, Withhold official transaction records, including the original XXXX and related XXXX  messages. 

Even within Chase Banks own written response : There is no evidence of my consent to currency conversion, No written instruction or XXXX message requiring such conversion is provided, No technical explanation is offered regarding when or why the transaction was altered.

Accordingly, Chase Banks written statement demonstrates not that the transaction was properly executed, but rather that : An unauthorized transaction occurred, Required documentation was withheld, and Chase Bank is actively attempting to evade responsibility by shifting blame to an intermediary bank.

I respectfully request that the Consumer Financial Protection Bureau evaluate this conduct as an unfair and deceptive banking practice, and require JPMorgan Chase Bank to : 1. Acknowledge responsibility for the actions of the intermediary bank it selected, 2. Provide all original XXXX documentation related to this transaction, 3. Reimburse the USD XXXX deducted through unauthorized currency conversion. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation