Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Supplemental Complaint Against Chase Bank To Whom It May Concern, This formal supplemental complaint is submitted in support and continuation of my previously filed complaint concerning Chase Banks repeated pattern of misconduct, noncompliance, and deceptive behavior surrounding the fraudulent transaction of {$83.00} and other documented issues. 

On XX/XX/year>, I called to initiate a claim regarding the fraudulent charge of {$83.00}. During this call, my debit card and checking account ending in XXXX were both in a locked state. Despite this, Chase permitted an unauthorized debit of {$83.00}, in direct violation of Regulation E, and its own stated policies and consumer protections. I was informed by the representative that a claim would be filed and a temporary credit would be issued. I later witnessed this credit reflected in my balance, confirming the representation. 

However, on XX/XX/year>, the credit mysteriously disappeared. My checking account was overdrawn and Chases flawed overdraft protection then triggered a transfer of {$42.00} from my savings account ending in XXXX proper notice or justification. Despite the clear presence of this charge and the representatives earlier assurances, when I contacted Chase again on XX/XX/XXXX, the first representative falsely claimed that no such call had occurred, no claim had been filed, and no credit was ever applied. These statements were blatantly false. 

After being placed on multiple holds and transferred, the next representative acknowledged that the credit had in fact existed but claimed it was pending and would disappear upon the transaction postinga complete reversal of what I had been told. I was further informed that the temporary credit could not be applied until the charge was fully settled, requiring 12 hours to 1 business day. This explanation was misleading and contradictory to what had already taken place. 

At the end of the call, the representative placed me on yet another hold to escalate the matter. When she returned, she claimed escalation was denied on the grounds that further time was required. Almost immediately after the call ended, the pending credit reappearedbut instead of being deposited fully into checking account XXXX as a proper temporary credit, it was artificially split to mirror the overdraft that had impacted both my checking and savings accounts. This manipulation appears to be an intentional attempt to obscure Chases wrongdoing and limit visibility of the refund process. 

At no point during this period was the claim ever made visible in the Track Claims section of Chases digital platformfurther supporting the fact that Chase is engaged in an effort to obscure and conceal its regulatory failures. 

Therefore, I am formally demanding : - That the full call recordings for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, between myself and Chase representatives be turned over to an independent regulatory authority ; - That the full transaction audit history, including the status of my accounts and debit cards at all relevant times, be produced ; - That each complaint I have submitted through the CFPB, especially those related to fraudulent transactions, illegal money order holds, and refusal to honor arbitration clauses, be independently reviewed by a regulatory agency ; - That Chase provide a written report of all communications, transactions, and internal determinations related to the XXXX charge and all related claim activity ; - That this complaint not be treated as duplicate, similar, or previously addressed, as it is a distinct and new issue. 

Additionally, in accordance with federal banking law and constitutional protections, I assert that : - Notice to agent is notice to principal ; - Any further obstruction, manipulation, or false statement by Chase or its representatives will result in immediate escalation to appropriate regulatory and legal authorities. 

I am reserving all rights and remedies under UCC 1-308 and demand full compliance, good faith, and due diligence as required under applicable federal regulations and consumer protection statutes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation