Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX, JPMorgan Chase Bank closed my checking account following unauthorized fraudulent activity. I am a XXXX XXXX  consumer and a documented victim of identity theft. The fraudulent transactions occurred after my personal identifying information and access credentials were compromised. 

Despite timely notification to Chase and my clear status as a fraud victim, the bank failed to conduct a reasonable investigation and failed to reasonably accommodate my visual impairment during the fraud-resolution process. Instead, Chase closed my account and left an outstanding negative balance of approximately {$450.00}, which was incurred solely as a result of unauthorized fraudulent activity.

Chase relied on inaccessible verification and dispute-resolution procedures and failed to offer any reasonable alternative or accommodation prior to taking adverse action. This conduct constitutes discrimination under the Americans with Disabilities Act ( ADA ) and Section 504 of the Rehabilitation Act, which require financial institutions to provide equal access and reasonable accommodations for individuals with XXXX. 

Additionally, Chases actions violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require a reasonable investigation of unauthorized transactions and limit consumer liability for fraud. Assigning a negative balance to a fraud victim and closing the account without meaningful investigation constitutes an unfair and abusive act or practice under the Consumer Financial Protection Act ( UDAAP provisions ).

As a result of Chases actions, I have been effectively debanked, losing access to essential financial services and the ability to safely participate in the financial system. This has caused significant hardship, including disruption to my ability to manage basic living expenses, access funds, and maintain financial stability.

The loss of banking access and financial insecurity has exacerbated the functional limitations associated with my visual impairment and has resulted in substantial emotional XXXX, including the development of XXXX  and XXXX related to prolonged lack of access to financial resources. These harms were a foreseeable consequence of Chases failure to accommodate my XXXX and properly treat me as a fraud victim. 

By closing my account, assigning a fraudulent negative balance, and potentially reporting adverse information to internal or external banking-risk systems, Chase has caused material consumer harm and effectively excluded a XXXX consumer from essential financial services without due process, accessible remediation, or lawful justification. 

Applicable Laws and Protections Americans with Disabilities Act ( ADA ), Title III Rehabilitation Act of XXXX, Section 504 Consumer Financial Protection Act ( UDAAP provisions ) Electronic Fund Transfer Act ( EFTA ) & Regulation E Fair Credit Reporting Act ( if reporting occurred ) California Unruh Civil Rights Act California Consumer Financial Protection Law California Identity Theft Protections

Company response to consumer: Closed with explanation