Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Bank Discrimination/Retaliation/ violation of the electronic Funds transfer act/ violation of the Gram Leach Bliley Act and the DOD Frank Act. 
On or about XX/XX/year>, plaintiff XXXX XXXX was contacted by XXXX XXXX of XXXX XXXX XXXX XXXX DC. XXXX XXXX XXXX advised plaintiff that he had received 5 payments from 5 banks that were owed to plaintiff that was deposited in plaintiff name in the total amount of {$25.00} XXXX dollars USD. XXXX XXXX XXXX furthered advised plaintiff in order to receive his deposited funds he would have to pay for cost of transfer in the amount of {$200.00} in which plaintiff paid that fee which XXXX XXXX XXXX conducted a bulk transfer to Chase Bank. XXXX XXXX XXXX stated once the transfer were completed to contact XXXX XXXX XXXX of JP MORGAN CHASE BANK through email that he will provide plaintiff. PLAINTIFF contacted XXXX XXXX XXXX and he replied back on or about XX/XX/year> at XXXX XXXX. XXXX XXXX XXXX advised plaintiff to fill out the online account opening with his personal information to open a non residence private account and to provide him with a photo copy of my ID to open the account. Plaintiff gave the requested information to XXXX XXXX XXXX on a XXXX  at XXXX. XXXX XXXX XXXX also advised plaintiff that He would have to pay a deposit fee of {$500.00} for the non residence private account at JP MORGAN CHASE BANK in order for the funds to be deposited and allowed to withdraw. In which plaintiff paid that fee directly to XXXX XXXX XXXX. Some time later on XXXX XXXX XXXX advised plaintiff that he would have to obtain a Fund Release Order Certificate and plaintiff had to pay {$300.00} to obtain it which was paid directly to XXXX XXXX XXXX by plaintiff. XXXX XXXX XXXX gave the plaintiff a copy of that order. See attached Exhibit A Fund Release Order Certificate. Plaintiff was also advised that he would have to obtain an FBI Clearance Certificate That cost about {$280.00}. See attached Exhibit B FBI Clearance Certificate that was paid by plaintiff. Plaintiff was further advised that he would need to obtain Fund Release Order Certificate from the FBI as well that will cost about {$150.00}. See attached Exhibit C FBI Fund Release Order Certificate that was paid by plaintiff. XXXX XXXX XXXX also advised Plaintiff that he would have to obtain a Fund Origin Certificate that cost {$300.00}. See attached Exhibit D XXXX XXXX XXXX that was paid by the plaintiff. After plaintiff have completed all the requirements with Chase Bank. XXXX XXXX XXXX didn't allow plaintiff to access or withdraw his deposited funds from his CHASE BANK account that he owns. PLAINTIFF contends that XXXX XXXX XXXX violated his constitutional rights under the XXXX XXXX and Due Process. When he denied plaintiff access to the deposited funds. Which should constitute deprivation. PLAINTIFF further asserts that XXXX XXXX XXXX violated those rights but abridged them. That action also constitutes a denial of due process and denied plaintiffs privileges under the Constitution when they failed to give plaintiff access to his deposited funds that he owns. 
See Fund Release Order that stated in pertinent part After our due verification of the deposited fund, we the office of Attorney General do Hereby unconditionally and irrevocably order the JP MORGAN CHASE BANK to release and approved the fund of the {>= $1,000,000} to the below beneficiary name within 24hrs XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX United States of America We therefore demand for the immediate released and despatch of this overdue deposited fund to the above beneficiary name without further delay, after the signing of this document by the Attorney General with the sum {$300.00} USD for signing fee. Plaintiff further contends that XXXX XXXX XXXX actions were unreasonable by not giving a legal basis for the unlawful withholding of funds that belongs to the plaintiff. 
Which violated Plaintiff rights under due process and abridged his immunity and privileges that should constitute deprivation of property. 
Especially after plaintiff completed all requirements to receive and withdraw his deposited funds from his CHASE account. PLAINTIFF also contends that XXXX XXXX XXXX acted with malice when he discriminated against plaintiff race and retaliated against plaintiff by transferring Plaintiff funds to XXXXXXXX XXXX and XXXX where plaintiff had to go through more unreasonable fees that Plaintiff had to pay to XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX estimated cost of {$15000.00}. 
Therefore, Plaintiff was advised by XXXX XXXX XXXX to contact XXXX XXXX  and XXXX and to used transactions code ( XXXX $ XXXX ) as subject when contacting the bank, tell them your name and who sent you I XXXX XXXX XXXX XXXX XXXX XXXX so that they can attend to you immediately. In which Plaintiff did contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. Moreover, XXXX XXXX XXXX advised plaintiff in order to access your funds you will have to pay for XXXX XXXX Approval Certificate, TAX VAT, IRS Taxes, and Affidavit of Claim Certificate which paid all in an estimated cost of {$15000.00}. PLAINTIFF further contends that XXXX XXXX XXXX also violated his constitutional rights under the Constitution by unlawful withholding his deposited funds and should constitute deprivation of property. Especially when they failed to release, and allow plaintiff to withdraw his money from his bank account which he rightfully owns. Plaintiff further contends that their actions discriminated against him. 
No, a bank can not legally transfer a customer 's account to another financial institution without the customer 's knowledge or consent. This action would be an unauthorized transfer and a serious violation of consumer protection laws.

In the U.S., financial transfers are primarily governed by federal laws, including the Gramm-Leach-Bliley Act ( GLBA ) and the Electronic Fund Transfer Act ( EFTA ), as well as by state laws. These laws establish strict rules for protecting a consumer 's financial privacy and securing their funds.

Violations and exceptions If a bank transfers your account without your permission, it is considered an illegal, unauthorized transfer. This is a serious offense that can include penalties for the bank, such as fines, damages, and civil and criminal liability.

Company response to consumer: Closed with explanation