Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, XXXX blocked my access to multiple savings accounts and later closed them without providing the required written notice, investigation documentation, or adverse action report. XXXX has retained a total of {$1100.00} of my funds for several years without releasing them. I received letters from XXXX indicating unusual activity, but no evidence was ever provided, and no fraud investigation report was given, as required under Regulation XXXX and the Electronic Fund Transfers Act ( XXXX ). 

The funds came from my own XXXX XXXX account, which legally uses a business or trade name. XXXX misidentified this as third-party funds and froze my money instead of verifying my identity or processing a standard name-mismatch review. Other institutions allow remote verification, but XXXX insists I must physically travel to a XXXX branch. I live outside the United States, making such an in-person visit impossible and financially unreasonable. 

XXXX can not require international travel to release a consumers funds. This violates Regulation XXXX XXXX, XXXX rights to documentation, and UDAAP principles regarding unfair and unreasonable barriers to fund access. XXXX has also failed to provide copies of documents relied upon to justify the account closures, as required under Reg E 1005.11 ( c ) ( 4 ). My funds remain in suspense without legal justification. 

I request that XXXX provide the fraud investigation file, the required adverse action notice, and a written explanation of the basis for the prolonged fund hold. If no evidence exists, I request immediate release of the full {$1100.00}, plus any interest accrued since the accounts were closed. 

Attached Evidence : PDF # XXXX XXXX This is the official XXXX letter dated XX/XX/XXXX, informing me that multiple savings accounts were closed due to alleged unusual activity. The letter provides no evidence, no investigation report, and no adverse action notice. This document is critical evidence of the initial account closure and the lack of required disclosures under Regulation XXXX. 

PDF # XXXX XXXX This is the Chase letter dated XX/XX/XXXX, instructing me to visit a physical XXXX branch in the United States to verify activity. I live outside the XXXX, making an in-person visit impossible. This document demonstrates that XXXX imposed an unreasonable and unlawful barrier to accessing my own funds, in violation of consumer protection standards and Regulation XXXX requirements for accessible dispute and verification procedures. 

PDF # XXXX XXXX This is the XXXX XXXX XXXX letter dated XX/XX/XXXX, confirming that {$1100.00} of my funds remain in suspense from the closed savings accounts. The letter again requires an in-person branch visit to release the funds and provides no documentation supporting the continued hold. This is key evidence that XXXX has retained my funds for more than 10 years without providing the required investigation documents or lawful justification. 

PDF # XXXX XXXX This document is an official XXXX savings account statement for the account ending in XXXX. It shows the account summary and transaction details before XXXX closed the account. This evidence confirms that the account was active, funded, and properly maintained prior to the unlawful suspension of access and long-term retention of my funds.

Company response to consumer: Closed with explanation