Checking or savings account -- Managing an account -- Complaint #15634827
Customer disputes $840 overdrawn balance on Chase account due to unauthorized charges.
Complaint Overview
Complaint ID: 15634827
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Pennsylvania
ZIP Code: 19140
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The customer claims unauthorized charges for car rental and cremation services led to an overdrawn account, which Chase bank is refusing to resolve, potentially leading to further financial distress and loss of funds.
Consumer Sentiment: negative
Topics: Unauthorized transactions, Account management, Dispute resolution
AI Analysis
CFPB complaint 15634827 was filed against JPMORGAN CHASE & CO. regarding Checking or savings account (Checking account), specifically about "Managing an account". A Chase bank customer disputes unauthorized charges totaling over $840.00 on their checking account, which led to an overdrawn balance, despite having no overdraft history and receiving Social Security funds. The complaint was received on August 31, 2025 from Pennsylvania. The company responded with "Closed with explanation".
Consumer Narrative
I logged into my Chase bank account to see if they have received the deposit from the social security administration and I have received {$960.00} it on XX/XX/year> in the bank phone transactions confirmed they have received it. On XX/XX/year> the bank account says it has received the {$22.00} from XXXX XXXX and I have seen the balance of only negative {$840.00} overdrawn. I have been a customer for 4 years and I have never been allowed to have overdraft with the account. I'm truly called the customer service main number for balance and transportations and I spoke with the approxmatly 8 different representatives for Chase bank which had heavy XXXX speaking XXXX accents. All of them refused to call the bank back office and stated that I made the charge for 2 companies for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's XXXX on the XX/XX/year>. I definitely did not and I have repeatedly asked for the delivery of the social security administration check that I have contacted social security and it was dispersed to pay the XXXX people on XX/XX/year> for the income for XX/XX/year>. I politely explained that I never ever made any charges for renting a car in XXXX and I have not owed the car company and the XXXX XXXX XXXX XXXX 's XXXX which I have paid for the cremation of my mother in XXXX and then I have been charged again for the service in XX/XX/year>. I definitely paid for the one time payment in XX/XX/year> in the amount of {$350.00}. The bank is really refusing to understand that I have never ever had any overdraft on the secured account from the time open it. They have closed 2 cards and went over my head, male representative and I am a female. All of the Chase bank customer service representatives expected me to pay rent utilities phone clothing paper napkins toilet paper and soap with only the {$3.00} in the balance to carry through the entire next month. Which is crazy. Several times the refused to release the government money to my account for the designated use I need to survive.I definitely had only {$3.00} to use for the entire month of XX/XX/year> At this point and day on Sunday and Saturday the funds are not in my account and they are not going to put it in the account I have been told that by the claims department supervisor 1 time and 6 other company representatives on the phone. This is not acceptable because they are refusing to do the accounting book keeping accurately and holding and paying the 2 companies that are not entirely entitled to receiving any further money in the month of XXXX. I definitely explained that I have not left out the debit card and keep it locked at all times and I have it in my possession. No authorized users to use the checking account and debit card. And additionally I have not received any service from enterprise and XXXX XXXX XXXX XXXX 's office which was not a payment installation plan but a one time pay for my mom and I received a call from the office to pick up the remains of her that next day after I paid the one time payment. I rented the car in XXXX and XXXX. I took full coverage for the loaned rental. I definitely not regretted any vehicles after or around XXXX
What You Should Do -- Consumer Action Plan
Contact the CFPB to file a dispute and consider seeking legal advice if the bank continues to refuse resolution.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) may apply if the overdrawn balance or disputed charges are reported to credit bureaus.
Regulatory Insight
Banks must have robust systems to prevent and investigate unauthorized transactions, and customers have rights regarding dispute resolution.
Resolution Likelihood
likely
State-Specific Consumer Protections
Pennsylvania residents are subject to state consumer protection laws that may offer additional recourse.
Industry Comparison
This situation is common in the banking industry where customers dispute fraudulent or unauthorized transactions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634827 about?
CFPB complaint 15634827 involves Checking or savings account (Checking account). The consumer reported an issue with "Managing an account", specifically "Funds not handled or disbursed as instructed". This complaint was filed against JPMORGAN CHASE & CO. on August 31, 2025.
Which company is complaint 15634827 filed against?
Complaint 15634827 was filed against JPMORGAN CHASE & CO.. You can view all complaints against this company on their profile page at /company/jpmorgan-chase-co.
What was the company's response to complaint 15634827?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634827 filed?
Complaint 15634827 was received by the CFPB on August 31, 2025. It was sent to JPMORGAN CHASE & CO. on August 31, 2025.
What state was complaint 15634827 filed from?
Complaint 15634827 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 15634827?
Dispute information is not available for complaint 15634827.
What product category is complaint 15634827 about?
Complaint 15634827 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 15634827 submitted?
Complaint 15634827 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 15634827?
The Fair Credit Reporting Act (FCRA) may apply if the overdrawn balance or disputed charges are reported to credit bureaus. This relates to a Checking or savings account complaint against JPMORGAN CHASE & CO. involving "Managing an account".
How likely is complaint 15634827 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15634827?
This complaint is rated as high risk. The customer claims unauthorized charges for car rental and cremation services led to an overdrawn account, which Chase bank is refusing to resolve, potentially leading to further financial distress and loss of funds.
What regulatory actions apply to complaint 15634827?
Banks must have robust systems to prevent and investigate unauthorized transactions, and customers have rights regarding dispute resolution. The CFPB tracks complaints like this one to identify patterns of misconduct across the Checking or savings account industry.
What should the consumer do about complaint 15634827?
Contact the CFPB to file a dispute and consider seeking legal advice if the bank continues to refuse resolution.
Are there state-specific protections for complaint 15634827?
Pennsylvania residents are subject to state consumer protection laws that may offer additional recourse. This complaint was filed from Pennsylvania.
How does complaint 15634827 compare to industry norms?
This situation is common in the banking industry where customers dispute fraudulent or unauthorized transactions.
What steps should the customer take to formally dispute the charges with Chase bank?
The customer should send a written dispute letter to Chase bank outlining the unauthorized charges and providing any supporting documentation. They should also keep copies of all communication.
Can the bank charge fees for an overdrawn account caused by disputed charges?
Generally, banks should not charge overdraft fees for transactions that are under dispute and proven to be unauthorized. The customer should clarify this with the bank and their account agreement.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.