Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Subject : AMENDED FINAL XXXX PRE-LITIGATION DEMAND TREBLE DAMAGES UNDER 15 U.S.C. 1693f ( e ) Matter : Bad-Faith Denial of {$250.00} and {$910.00} Unauthorized Charges ( Total Baseline : {$1100.00} ) To the Legal Department XXXX JPMorgan Chase XXXX This letter serves as the official, corrected amendment to my previous notice. It updates the statutory calculations to reflect the exact, specific unauthorized transactions allowed on my account, which Chase Bank has summarily denied without legal or forensic justification. You have XXXX ( XXXX ) business days from the receipt of this document to execute an immediate electronic transport of all funds owed to me directly into my checking account via routing number or direct debit. Paper checks will be rejected due to processing delays. If this direct deposit is not completed within XXXX hours, I will formally file a civil lawsuit and initiate binding consumer arbitration at your expense. JPMorgan Chase Bank is in direct violation of the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, and is fully exposed to the maximum statutory penalties for the following bad-faith actions : XXXX. Specific Unauthorized Transaction Violations ( {$3500.00} Total Treble Damages ) Your platform permitted XXXX severe, unauthorized electronic fund transfers to deplete my account, which were reported immediately upon discovery. Chase Bank rubber-stamped a denial on these claims without conducting a good-faith investigation, completely failing to meet its corporate burden of proof under 15 U.S.C. 1693g ( b ). The specific unauthorized amounts are : {$250.00} in unauthorized electronic charges. {$910.00} in unauthorized electronic charges. Total Baseline Denied Amount : {$1100.00} Under 15 U.S.C. 1693f ( e ), because Chase Bank knowingly and willfully concluded that my account was not in error when such a conclusion could not reasonably be drawn from the available evidence, and because you have withheld the investigation logs in violation of 12 C.F.R. 1005.11 ( d ) ( XXXX ), this baseline amount of {$1100.00} is trebled to a total liability of {$3500.00}. XXXX. Failure to XXXX XXXX XXXX XXXX Chase Bank has closed these fraud claims without providing a single shred of evidence, IP routing logs, or device metadata to back up its determination. Under 12 C.F.R. 1005.11 ( d ) ( 2 ), I have the absolute federal right to receive the exact documents the bank relied upon. Withholding these files is an independent violation of the XXXX and serves as prima facie evidence of bad faith. FINAL DEMAND FOR IMMEDIATE RESOLUTION I demand that JPMorgan Chase Bank clear these restrictions and coordinate with me within XXXX hours to execute a direct electronic transfer of {$3500.00} to resolve the trebled baseline violations. If you fail to act within XXXX business days, I will immediately instruct my attorney to file a civil suit and initiate a formal consumer arbitration claim through the XXXX XXXX XXXX XXXX XXXX ) for the full trebled amount, statutory damages under 15 U.S.C. 1693m, and court-ordered attorney fees. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation