Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, a legitimate wire transfer in the amount of {$10000.00} was deposited into my Chase Bank account as payment for a vehicle I sold through the licensed auction platform XXXX. The transaction was fully documented and compliant, with all relevant paperwork signed by both myself and the buyer and submitted to his financial institution. 



The following documents were provided : Bill of Sale State Warranty Disclaimer XXXX XXXX XXXX  Website Legal Waiver & Compliance Statement Copy of the Vehicle Title My Valid Dealer License My Government-Issued Drivers License On XX/XX/year>, my entire account was frozen without warningnot only affecting the {$10000.00} deposit, but also locking unrelated funds used for critical expenses such as rent, child support, and household bills. I received no explanation, no notification, and no documentation regarding the basis for this action. 



On XX/XX/XXXX, I went in person to a Chase branch and met with Branch Manager XXXX XXXX. After four hours and multiple phone calls to internal departments, I received no substantive answer. I again submitted the above documentation in person. I was told I would be contacted shortly with an update I was not. 



On XX/XX/XXXX, I contacted Chases Wire, Fraud, and Compliance Departments. They informed me that no documentation had been uploaded by the branch. I asked for a formal written explanation regarding the freeze, and was refused. I escalated the case to the Chase Executive Office and was assigned a case manager who has not responded once to phone calls or emails since the assignment. 



Meanwhile, the buyer of the vehicle has also contacted Chase, submitted verification and documentation, and even expressed willingness to sign additional waivers or provide further verification in order to take delivery of the vehicle. However, the transport deadlines have been missed, and I am now receiving legal threats from the auction platform due to my inability to release the vehicle all due to Chases unexplained freeze. 



From XX/XX/XXXX through XX/XX/XXXX, I have made daily calls and sent multiple emails to the assigned case manager without a single response. I continue to be told there is no information or no update available. 



This freeze is having severe and immediate consequences : My child support obligations are now past due My rent is due XX/XX/XXXX, and I risk eviction My electricity and utilities are unpaid My primary business transaction is being threatened with legal action I have no access to any of my legally owned funds I have received no written explanation, no timeline, and no clear resolution process This unjustified hold appears to be an abusive banking practice, particularly since it involves : No official notice No opportunity to cure or comply No due process A complete freeze of all account assets not just the questioned transaction Requested Resolution : I am urgently requesting the immediate release of my funds or, at the very least, a formal written statement detailing the legal justification for the hold. I also request that Chase Bank be investigated for : Failure to communicate or respond to escalated complaints Unlawful withholding of funds not tied to the flagged transaction Causing provable financial hardship and consumer harm without process or support Failing to honor responsibilities under federal banking regulations Your intervention is urgently needed as this freeze is now affecting my ability to meet basic human needs and parental responsibilities.

Company response to consumer: Closed with explanation