Consumer complaint received 2025-12-22 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:
Date XXXX Amount XXXX withdrawal denial By : Branch manager on grounds of the '' business day '' rule without full disclosure of said rule during withdrawal XXXX. 

1.The violation : Regulation DD which requires banks to provide '' clear and conspicuous '' disclosure of all terms and conditions that affect a consumer 's ability to use their account. 
If a bank aggregates weekend withdrawals into one daily limit but describes the limit as " daily '' then that is unfair, deceptive, or abusive discretionary acts and or or practices.

Chase banking financial institutions have failed in providing full disclosure of daily withdrawal times and scheduling of withdrawal windows. that although withdrawal windows are understood to be daily withdrawals windows ; that Saturday and Sunday are all considered to be Monday. 
Noting that this particular branch is widely aware of my dire situation and need to access account on today, a business day, I cant grasp why the teller nor bank manager wouldn't or didn't share that vital piece of info considering activity and nature of my individual situation. 



2.fund access after identity verification.

Premises : Under the Dodd-Frank Act, an act is " unfair '' if it causes substantial injury to consumers that they can not avoid. 
on XXXX between the hours of XXXX and XXXX I visited the location @ XXXX and XXXX, XXXX Florida. 
the goal was to make a withdrawal so that I may go and retrieve a new identification card for the purposes of full account access. 
While I am aware that banks have a broad discretion to prevent fraud, they are also none the less bound by the consumer protection bureau ( CFPB ) standards regarding transparency and access to funds. 

Chase banking financial Institution has failed in areas of transparency by repeatedly locking me out of my account despite branch management protocols and procedures of identification being established and satisfied on numerous occasions via security question presented by branch manager, as well as numerous avenues of transparency on my behalf as account owner. 

Evidence of this can be logically understood and have been presented via dates of " authorized daily withdrawals ''. 

3.Inconsistent ID policy. 
allowing withdrawals without ID on some days but requiring it on others constitutes arbitrary policy enforcement. 

under the Know your customer ( KYC ) & BSA ( bank secrecy act ) banks are required by federal law to verify identity of certain transactions. 
HOWEVER, if they have an " emergency withdrawal " policy that is applied inconsistently, I.e not informing the consumer about daily withdrawal window being lumped in on weekends. 

As an apprehensive bank loaner as well as one not having training, license, or certification in the field it is the banks duty firstly to borrow as done via established account and to uphold all policy concerning full disclosure as to prevent damages and injury to account owner. 
For whatever reason disclosure was not afforded falls chase bank financial house/institution.

Company response to consumer: Closed with explanation