Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Against : JPMorgan Chase Bank , N.A . 
Consumer : XXXX XXXX XXXX XXXX Subject : Misrepresentation of facts to a federal regulator ; improper account freeze ; deceptive account handling practices ; failure to verify deposits ; discriminatory treatment ; failure to provide required disclosures.

Summary of Complaint I am filing this complaint because JPMorgan Chase Bank , N.A . ( Chase ) made materially false statements in its prior response to the CFPB regarding the freezing of my accounts, the handling of my deposits, the provision of required disclosures, and the reinstatement of my mobile banking access.

I now possess notarized affidavits and time-stamped screenshots that contradict Chases account of events.

1. Chase falsely claimed it contacted check issuers to verify deposits In its prior CFPB response, Chase represented that it restricted my newly opened account for my protection and that it had verified issuance of the check from the maker.

This statement is purposefully ambiguous and misleading. If Chase meant the banks. It is perplexing at to why it would have requested the phone numbers of the check issuers. If Chase indeed meant each check issuer then the statement is unequivocally false. 
I have since obtained six notarized affidavits from check issuers, each affirming that Chase never contacted them for verification at any time.

This shows Chase misrepresented its actions to the CFPB and improperly froze my account without reasonable verification steps.

2. Chase made materially misleading statements about the handling of my funds In its response, Chase claimed that it : credited {$8700.00} to my account on XX/XX/XXXX, and credited {$1700.00} on XX/XX/XXXX However, Chase omitted a critical fact : On XX/XX/year>, around XXXX XXXX, Chase removed all funds from my account, reducing my balance to nearly XXXX. 
I have a time-stamped screenshot documenting this unexplained withdrawal.

Chase omitted to report to the CFPB that my money had been removed.

Chase never notified me of any redeposit either.

The omission of this withdrawal in its CFPB response created a misleading and incomplete picture of Chases handling of my funds during the freeze.

This unexplained removal of funds caused severe anxiety, as I feared Chase had taken or lost my money.

3. Chase falsely stated that I received the Deposit Account Agreement ( DAA ) Chase told the CFPB that I received the DAA at account opening. 
This is incorrect : Neither I nor my aunt were given a physical copy of the Deposit Account Agreement.

My mobile and online access was suspended within 48 hours ( XX/XX/XXXX ), before I could access any digital agreement. 
Therefore, Chase both failed to provide required disclosures and misrepresented this fact to the CFPB. 

4. Chase falsely claimed my mobile access was restored on XX/XX/XXXX Chase stated that my mobile access was restored on XX/XX/XXXX. 
This is incorrect. 
On XX/XX/XXXX, during a meeting with my attorney, my mobile access was still fully blocked. 
I was unable to view any balances, agreements, or account materials. 
Chases statement to the CFPB was materially inaccurate. 

5. Chase repeatedly contacted me directly despite being told to contact my attorney Between XXXX and XX/XX/year>, Chase repeatedly called me : after I retained counsel after I expressly told them to communicate only with my attorney sometimes calling three times in a two-hour period. 

6. Account freeze caused serious consequences, including being arrested when I tried to obtain an explanation. 
When I visited the branch on XX/XX/XXXX seeking clarification, the bank called the police. 
I was XXXX  XXXX  and XXXX  multiple times due to Chases mishandling of the situation and its failure to provide accurate information. 
This is now part of ongoing legal proceedings. 

Attachments ( I will upload if portal allows ) : Notarized affidavits from check issuers Time-stamped screenshot showing XXXX balance on XX/XX/XXXX Copy of XX/XX/XXXX low-balance notification email ( if available ) Any correspondence from Chase

Company response to consumer: Closed with explanation