Checking or savings account -- Managing an account -- Complaint #18081523
Complaint Overview
Complaint ID: 18081523
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: California
ZIP Code: 90032
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Chase Bank Wrongfully Withholding My Funds and Mishandling Fraud Request for Return of Funds and XXXX XXXX : JPMorgan Chase Issue : Fraud / Account Closure / Failure to Return Consumer Funds Amount Withheld : {$900.00} ( my personal funds ) Account Status : Closed by Chase on or around XX/XX/XXXX My Name : XXXX XXXX Account number : XXXX I am filing this complaint because JPMorgan Chase is wrongfully withholding {$900.00} of my personal funds following a fraud incident involving my lost debit card. Chase has mishandled the situation, failed to process a proper fraud claim, closed my account without documentation, and continues to withhold my money without justification. I lost my debit card, which unfortunately had the PIN written on the back. An unauthorized individual used my card information to attempt fraud by trying to deposit a {$17000.00} check with my personal details written on it. I want to be clear : I did not deposit this check I did not authorize any such transaction I never touched or withdrew any funds related to this attempted fraud I contacted Chase multiple times and requested to file a fraud claim, but I was transferred repeatedly and told no one could assist me. Chase closed my account and only sent a final balance statement no account-closure letter, no fraud documentation, nothing explaining the decision. I was originally told that my remaining balance of {$900.00} would be mailed to me within XXXX business days. However, when I called for an update on XX/XX/year>, I was told : My funds would not be released The delay was due to an open investigation involving the fraudulent check I would need to wait indefinitely until the check issuers bank finished its review Chase could not provide a timeline or any written explanation The fraudulent {$17000.00} check has nothing to do with my personal funds. There is no legal basis for Chase to hold my {$900.00}. I have been left without access to my own money, with no updates, documentation, or proper handling of my fraud report. This has caused me significant inconvenience, stress, and loss of time. I have spent hours on calls trying to resolve an issue that resulted from Chases failure to assist me properly from the start. What I Am Requesting I am asking the CFPB to help with the following : XXXX. Immediate return of my {$900.00}. XXXX. Proper processing of the fraud claim and documentation clearing me of the unauthorized activity. XXXX. A written explanation for the account closure and withholding of my funds. XXXX. Reasonable compensation for the substantial inconvenience, stress, and time lost due to Chases mishandling of this situation and failure to follow required fraud procedures. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #18081523 about?
Complaint #18081523 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.