Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #13766412
Complaint Overview
Complaint ID: 13766412
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: New York
ZIP Code: 11215
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to file a formal complaint against JPMorgan Chase Bank and its collections department for unauthorized and improper handling of a rejected New York State tax refund deposit. On XX/XX/year> the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX attempted to deposit my state tax refund a total of {$3100.00} into a Chase bank account that had already been closed. Despite the account closure, Chase Collections accepted the funds without my authorization or prior notice. This deposit was rejected by chase due to the accounts closed status, and it is my understanding that such funds should have been returned to the state, not intercepted or retained by any collections department. At no time did I authorize Chase or any affiliated collections department to accept, retain, or apply my tax refund toward any debt. This action was taken unilaterally, without proper notice, consent, or due process, and I believe it constitutes a violation of my consumer rights. I have attempted to contact Chase to resolve the matter directly, but my inquiries have not resulted in a satisfactory resolution. I am therefore requesting that the CFPB investigate this matter and require Chase to : 1. Provide a full explanation of why the refund was accepted on a closed account ; 2. Return the full amount of the refund or ensure it is properly returned to the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ; 3. Cease any further attempts to apply unauthorized funds toward collections ; 4. Clarify and correct any related records affecting my credit or financial status. Please find attached supporting documentation, including relevant account statements, correspondence, and the refund details. Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution.
Frequently Asked Questions
What is Complaint #13766412 about?
Complaint #13766412 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.