Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Summary of Issues and Complaint This complaint involves two Chase accounts, including one account held in two names, which Chase froze despite the fact that a contested, underlying order affected only me. The last 4 digits of the accounts are : XXXX and XXXX. The total amount of missing/ unaccounted-for funds is {$41000.00} ( {$38000.00} and {$2500.00} in each account ). 

After no reply to repeated demands for records & an accounting of missing/unaccounted funds to endless Chase departments for almost a year, I sent notice & claim to the General Counsel, E.V.P. & Compliance Officer, who is represented as having ultimate responsibility for overseeing & ensuring compliance with banking & consumer protection laws. Rather than receiving the prompt resolution expected from an officer represented to have ultimate & legitimate authority, instead, I received no acknowledgment & was met with a new maze of violations shown herein, further obstructing compliance, compounding the ongoing failure to provide necessary documents & resolution & highlighting the broader systemic failures within Chase, including : 1. Missing and/or Unaccounted-For Funds : Chase has failed to provide an accounting of funds that were frozen pursuant to a purported court order that originated from a fraudulent lawsuit, despite the fact that a satisfaction was of record, the judgment had lapsed by law and Chase was specifically & repeatedly provided a copy of the satisfaction. Significant funds remain missing or unaccounted for. ( See XXXX XXXX XXXX XXXX  ). 
2. Failure to Provide Required Account Records and Statements : Chase has failed to provide account statements, transaction histories, internal records, or notices regarding the freeze, release of funds for either account ; & records the whereabouts of the funds, despite repeated demands. ( See XXXX XXXX XXXX XXXX ). 
3. Intentional Obstruction : a. Chase has kept me embroiled in a meaningless maze with unidentified & unverifiable individuals, creating the illusion of resolution, while deliberately avoiding providing the requested documents.

b. This fraudulent activity is a red flag, highlighting a lack of internal control, a pattern & practice of deliberate & ongoing avoidance of responsibility & perceived financial fraud. ( See XXXX XXXX XXXX XXXX ) 4. Improper Freezing of a Joint Account : One of the two accounts to which I have not been provided an accounting was held in two names. Yet Chase froze the account in its entirety based on an order that applied only to me individually. ( See XXXX XXXX XXXX XXXX  ) 5. Unverified Representation that Funds are Unfrozen and Improper Use of Intermediaries : a. Rather than direct reply by its compliance office, Chase diverted its functions to an unregistered third-party vendor/counsel with no banking authority. The third-party indicated in an informal email that no current hold exists. No verification document was furnished ; no date when accounts were unfrozen ; or notice to me. Absent proof, these representations are unverifiable & meaningless from a consumer bank perspective.

b. This diversion served to avoid providing the following documents and information : o A reconciliation accounting for the missing and unaccounted for funds ; o Internal records confirming the date & authority lifting any freeze and notice to me ; o Instructions or means for accessing the funds ; o Chases ongoing ignoring of and failure to provide these core banking documents.

c. The use of outside counsel does not avoid or absolve Chase , a regulated bank, of its legal responsibilities, including core recordkeeping, customer notification, and accounting for funds.

d. Moreover, the attempt by Chase to abrogate its required core bank records & accounting functions to a law firm that is not a registered banking entity instead of direct response by a bank where I am a customer : Apparently violates solicitation & conspiracy & anti-laundering laws. ( See XXXX XXXX XXXX XXXX ) ; Abets/covers up the violations & evasion of providing records, accounting of missing funds & access. ( See XXXX XXXX XXXX XXXX  ). 
Are acts designed to intimidate and harass me. ( See XXXX XXXX XXXX XXXX  ) 6. Failure of Executive Compliance & Oversight : Senior compliance and legal officers were placed on written notice and given repeated opportunity to cure. No acknowledgment or response was provided. This is a red flag warning of Chases non-existent internal controls, recordkeeping practices, and governance compliance.

Article II Summary of Grave Violations & Noncompliance Requiring Urgent Attention Chase 's actions, include failure maintain proper account records, mishandling of funds, failure to respond to complaints, pattern and practice of intentional violation of core banking practices. apparent non existence of a department that maintains bank records and statements, evading its legal obligations and non compliance with the bank secrecy act and anti money laundering regulations. These are severe violations of key regulatory requirements under federal banking laws, severe banking failures and violations of banking law and other laws including criminal laws.

They require immediate attention and remediation by CPFB. They have caused me great harm and pose an immediate and significant risk to consumers. The potential criminal activity further underscores the critical need for swift and decisive action to mitigate consumer risk and restore confidence in the banking system. A summary of the banking laws, civil and apparent criminal violations are shown below in XXXX XXXX XXXX XXXX XXXX 

Article III Broader Impact on Public Trust and Consumer Safety The systemic nature of these violations undermines trust in Chase and the broader banking system. Consumers depend on institutions like Chase to safeguard their finances and uphold their legal responsibilities. The ongoing failure to comply with basic banking obligations exposes the public to undue & urgent risks & undermines trust in the financial system, necessitating swift action to restore confidence in the integrity of the financial system.

Article IV Relief Requested I respectfully request that CFPB take immediate and comprehensive action to address all violations identified in this complaint to protect my consumer rights & those of others & restore confidence in the financial system, including : 1. Open a formal oversight review of Chases failure to comply with consumer laws governing core banking functions, including account statements, recordkeeping, notice and the handling of frozen and joint accounts.

2. Require Chase to provide a complete accounting of all funds associated with the accounts, including accounting records and statements.

3. Require written confirmation of the authority relied on to freeze and release each account ; account for the missing and unaccounted funds ; and the current status, location, and accessibility of all funds.

4. Take supervisory, enforcement action and sanctions for the systemic non-compliance or deceptive practices.

5. Urgently address the violations in this complaint, which reflect a pattern of apparent fraud/criminal conduct with significant implications for public safety and consumer trust in the banking system.

Article V Deadline Request As this matter involves substantial currently unaccounted-for funds and significant compliance failures, it is reasonable for this matter to be addressed with urgency. I request a written reply, including acknowledgment of the complaint & an indication of the planned review or action, be provided by Friday XX/XX/year> that is within 14 days of this Complaint, a reasonable timeframe for consideration of these serious issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Enclosures : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Note : This is not an exhaustive list and may not include all applicable regulations, but provides a sampling of key violations. ) 1. Anti-Money Laundering ( AML ) Regulations Noncompliance with AML obligations to detect and report illicit transactions.

2. Bank Secrecy Act ( BSA ) Failure to report suspicious activities & maintain proper records for my accounts.

3. Dodd-Frank Wall Street Reform and Consumer Protection Act Violations of consumer protection regulations and failure to respond to fraudulent activities.

4. Federal Reserve Regulations Noncompliance with Federal Reserve guidelines regarding customer account protection and reporting of account freezes.

5. Regulation E ( Electronic Fund Transfers ) Noncompliance with the Electronic Fund Transfer Act in terms of providing documentation for frozen or withheld funds, and failing to comply with the disclosure requirements for consumers whose electronic funds were frozen.

6. State Banking Laws Various state-specific banking regulations regarding record-keeping, transparency, and customer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Note : This is not intended to be a complete list of all applicable civil laws ; additional violations may exist beyond those listed. ) 1. Civil RICO RICO Act ( 18 U.S.C. 19611968 ) Chase Bank 's ongoing apparent criminal conduct, including fraudulent misrepresentations and intentional obstruction of my funds, constitutes a pattern of racketeering activity under the RICO Act, exposing the institution to treble damages for its unlawful practices, including mail fraud and wire fraud, which form part of the broader scheme to defraud.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 If Chase Bank has engaged in fraudulent or abusive debt collection practices, including misrepresenting the status of debts or accounts, they are subject to statutory damages and civil penalties for violations under the FDCPA.

3. Consumer Financial Protection Bureau ( CFPB ) Violations The banks failure to meet fiduciary duties, record-keeping requirements, and failure to provide transparent communications regarding my accounts are violations of various CFPB regulations. These violations expose the bank to substantial fines & civil penalties.

4. Unfair and Deceptive Trade Practices ( State Law & U.D.T.P.A. ) Under state law, including statutes modeled after the Uniform Deceptive Trade Practices Act ( UDTPA ), the banks continued deception & obstruction of access to my funds exposes it to punitive damages & claims for unfair & deceptive trade practices.

5. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) The banks willful withholding of my funds and failure to provide clear, accurate documentation of my accounts constitutes a deceptive trade practice under FDUTPA, which carries penalties for both compensatory damages and punitive damages.

6. Breach of Fiduciary Duty ( UCC 1-304 ) Chase Bank is legally required under the Uniform Commercial Code ( UCC ) to act in good faith and with reasonable care in managing customer accounts. Its failure to meet these obligations exposes the bank to claims for breach of fiduciary duty, resulting in civil damages.

7. Civil Conspiracy and Fraud The fraudulent activities perpetrated by Chase Bank, including the concealment of funds and misleading communications, subject the bank to claims of civil conspiracy and fraud under state law, with potential for actual damages and punitive damages.

8. Record Retention and Customer Notification Violations Federal and Florida law require financial institutions to retain customer account records for at least seven years, with extended retention required in cases involving fraudulent judgments or disputes. Chase Banks failure to retain these records or disclose them upon request constitutes a violation of consumer rights and state laws governing financial institutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Note : This list includes key criminal laws implicated, though other criminal violations may apply. ) 1. 18 U.S.C. 1343 ( Wire Fraud ) Scheme to Defraud Chase Banks ongoing scheme to defraud by knowingly withholding my funds and failing to unfreeze my accounts is wire fraud under 18 U.S.C. 1343.

2. RICO Act ( 18 U.S.C. 19611968 ) Chase Bank 's ongoing apparent criminal conduct, including fraudulent misrepresentations and intentional obstruction of my funds, constitutes a pattern of racketeering activity under the RICO Act, exposing the institution to treble damages for its unlawful practices, including mail fraud and wire fraud, which form part of the broader scheme to defraud.

3. 18 U.S.C. 373 ( Solicitation to commit a crime ) This statute criminalizes the solicitation of others to engage in illegal activities including crimes relating to fraud, money laundering and obstruction of justice. The actions of XXXX in soliciting XXXX law firm to participate by unlawfully acting as a banking arm and an accomplice to the failure to provide banking records fall squarely within this code. 
4. 18 U.S.C. 1341 ( Mail Fraud ) The misrepresentation and failure to disclose the status of my accounts constitutes mail fraud, a federal offense.

5. 18 U.S.C. 1344 ( Bank Fraud ) Intentional withholding of funds and failure to act in good faith represents an ongoing scheme to defraud me and violates banking institution duties.

6. 31 U.S.C. 5318 ( Money Laundering ) Failure to unfreeze my accounts and the continued fraudulent practices may constitute money laundering under this statute.

7. 31 U.S.C. 5311 et seq. ( Bank Secrecy Act ) By failing to unfreeze my accounts and failing to provide transparency, Chase Bank is in violation of the Bank Secrecy Act, which mandates reporting suspicious activities related to financial fraud and money laundering.

8. 18 U.S.C. 1001 & 1002 ( False Statements ) False and misleading communications from Chases representatives regarding the status of my accounts may violate federal law concerning false statements in business transactions.

Company response to consumer: Closed with explanation