JPMorgan Chase Bank, NA
CRA Public File
Public Comments
Year Comment
2021 Written Comments
2021 Social Media Comments
2022 Houston, TX Customer Comments
2022 Dayton, OH Customer Comments
2022 The Nebraska Lawyers Trust Foundation Comments
2022 Written Comments
2022 Comments Received via Social Media
2023 Rowlett, TX Customer Comments
2023 Black United Fund of Michigan Comments
2023 Hampton, GA Customer Comments
2023 Bakersfield, CA Customer Comments
2023 Seattle, WA Customer Comments
2023 Cities For Financial Empowerment Comments
2023 Irving, TX Customer Comments
2023 Memphis, TN Customer Comments
2023 San Francisco, CA Customer Comments
2023 Hispanic Unity of Florida Comments
2023 Written Comments
2023 Social Media Comments
2024 Chicago, IL Customer Comments
2024 Rise Economy Comments
2024 Greater Rochester Community Reinvestment Coalition
2024 Written Comments
2024 Social Media Comments
CRA Public File Written Comments 2021
JPMorgan Chase Bank N.A.
Year
Comment
Received Date
Comment* JPMC Response
AA
(If known)
Branch
(If known)
2021 2/4/2021
Customer advised she felt it was a huge inconvenience for the community in which she lived, which she advised was a "mixed" community
with many African Americans that several branches had closed in the last several years. She said not many people in that area have cars, and
the busses are not running to the area which the one branch that is open is located. She explained she did not understand why these
branches had closed since they were always so busy all the time, and now all the overflow of customers from those branches are forced to
visit the one branch that is open. She advised the branches that had closed were Mid City branch, the Florida and Lobdell branch, and the
North Sherwood branch. She also mentioned that it was inconvenient for the branch to not have a drive thru, which elderly customer's such
as herself need since they prefer to not get out of their car due to physical disabilities, and for safety.
JPMC representative contacted the customer and apologized for their inconvenience. Thanked them for their feedback and informed
them that we have escalated their concerns to management.
Baton Rouge, LA MSA Florida and Cora
2021 2/23/2021
Caller asked to speak with the executive office regarding branches in Chicago IL in the black neighborhoods are unsafe and people are getting
robbed and killed. Informed cm we do take safety very seriously.
She expressed how she doesn’t feel that the black community in her Neighborhood receives the same level of service as our customers in the
white Neighborhood. She expressed how there is a limited amount of working branches in her area. She advised that the closest branch to
her is on 107th St. and most of the time there is only 1 atm and one teller causing long lines for no reason. The next one is on 83th St.
however you can’t go inside the bank and sometimes the atm was out of service. She expressed how she feels that we don’t cater to the black
community as we don’t seem to addressing these issues and as if their money if as good as our white customers. She expressed how all down
Cicero Ave. there is branched located on every 6 miles which caters to the white community and is more convenient for customer to be in
and out. With the branches already located in the black its already unsafe to be standing around to wait your turn to be serviced. She advised
that this is not fair and she doesn’t believe we are doing enough to fix this and would like to get the media involved to get the word out.
JPMC representative contacted the customer and thanked them for their feedback and advised them that their concerns were shared
with management. Informed the customer of improvements the branch is making to better customer experience.
Chicago-Naperville-Evanston, IL MD Stewart and 83rd
2021 3/1/2021
The customer sent follow up email regarding branch closure. he says i m afraid i have misplaced the name and phone number of the woman
who called from your office in response to this email, and i would still like to hear what, if anything, you plan to do about this matter. my wife
is moving to another bank, but i m willing to wait to hear you out. i also hope to point out several opportunities for you to better serve this
neighborhood. could you please get back in touch with me? & the customer is referring to the grand beekman branch which closed in late
December. the customer reiterated his concern again about the lack of ATMs and closing of the branch and said his wife has since went to
another bank and said that he is giving us a chase. he said he went to the remaining and said that it is overcrowded, scary because of the
pandemic, and is filthy. the customer said that all of our chase branches have turned into citi bank ATMs. he said we are losing customers with
our lack of branches in the area and ATMs. he said that the citi bank branch is also closing now. the customer said that citi bank branch was
the most profitable bank. he said that would be a good a good location for a chase branch.
JPMC representative contacted the customer and confirmed that there are no further details about his concerns and or updates.
Explained to the customer that we did notate his feedback about adding more ATMs and keeping the remaining ATMs. Confirmed if
anything changes, that would be communicated to him.
New York-Jersey City-White Plains,
NY-NJ MD
Grand Beekman
2021 3/11/2021
The customer is alleging discrimination by Chase as she is stating that the bank is discriminating because we have not set up banks near her or
others in the upper state of Michigan and have only banks in the southern parts not allowing those that open an account online have access
to a branch.
JPMC representative contacted the customer and explained Michigan being the biggest branch and ATM Networks compared to other
states, and informed that her nearest branch is only 30 miles away. I connected the customer to Online banking support to assist with
the removal of the online restriction. Confirmed all issues were resolved and ended the call.
2021 4/14/2021
The customer was upset to learn that the Staten Island Mall branch would not re-open. She states to not have received any communication
from the bank about the branch closure. The customer told me that she wanted to speak with to the CEO about this.
JPMC representative contacted the customer and apologized for the experience. Explained that communication was sent to homes
toward the end of last year. Advised that we would escalate her request to speak with the executive office. MD made contact with the
client and the issue is resolved.
New York-Jersey City-White Plains,
NY-NJ MD
Staten Island Mall
2021 4/27/2021 It’s like a redline of no chase banks in SW Atlanta. Only greenbrier branch. No contact information from customer to provide a resolution.
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
2021 5/4/2021
The customer has contacted us and is sharing her concerns with her visit to the branch on 05/03/21, where she and other customers, notably
Seniors, were made to endure long lines and waits. The customer states that the line was out the door, and the branch lacked dedicated
assistance to seniors. The customer is requesting that the branch is adequately staffed, especially at the beginning of the month, to assist the
customer base.
JPMC representative contacted the customer and advised that we have reviewed her concerns w/ the branch and the manager advised
that he was out that day. However he was advised that one of the assistant bankers was late that date, which could've added to the
long lines. Acknowledged that the branch does have very busy times as well. The customer said she understands the covid
precautions, but still feels that we should maybe have seating available for elders or people who have difficulty standing for a long
period of time. Thanked the customer for her suggestion and advised that we will forward that back to the branch. Customer added
that she will be a senior citizen soon and hopes that we are able to be considerate of her in that regard. The customer was thankful for
the call, expressed her appreciation for the relationship and had no other concerns at the time.
2021 5/4/2021
The customer is unhappy with the closing of her local Chase branch. The customer states that our decision to close the branch has negatively
impacted the elderly customer’s which it serves. The customer states that the next nearest branch is not close enough to her to become
convenient, and she is requesting that the 93rd St and 2nd Ave branch be retained. The customer states that the letter of explanation which
was sent out to the customers did not provide a sufficient explanation of the closing.
JPMC representative contacted the customer and left a message advising that we have reviewed her concerns and apologize as the
branch is being consolidated based on low and declining transaction and sales volumes, along with limited growth. The timing and
consideration of the closing is being driven by the expiration of the lease. Advised that if demand and business needs changes in the
future, then it is possible that there will be another branch established in that area. Apologized as this wasn't the desired response.
New York-Jersey City-White Plains,
NY-NJ MD
Second Ave and 93rd St
2021 5/10/2021
Customer stated that a petition was signed and emails were sent to EO from several business and elderly customers. Customer states that this
is a very hilly area and that the senior citizens and disabled loyal customer will be unable to walk the mile or more in order to reach another
branch. States that this closure will hurt a very vulnerable population.
JPMC representative contacted the customer and provided resolution. Offered to walk customer through how to use ATM. Confirmed
other branches close by, that bankers were relocating, and the ATM is remaining in building. Advised we would document her
concerns. Thanked her for calling/apologized for inconvenience.
New York-Jersey City-White Plains,
NY-NJ MD
Knolls Crescent
2021 5/19/2021
The customer is writing in regards to the Lantana branch closure and is asking what will happen to her checks. She is very upset that her
account will be closed, without being given any direction as to what she can do next. She also says that she will write to Jamie Dimon about
her experience.
JPMC representative contacted the customer and confirmed there will be no impact to customer check processing and we are not
closing the customer's account as the transition will be seamless. The customer can use her account and also visit other branches.
West Palm Beach-Boca Raton-
Boynton Beach, FL MD
Lantana Downtown
2021 5/20/2021
The customer contacted us expressing frustration that there are no branches located in New Hampshire. The customer wishes to see Chase
branches in New Hampshire.
JPMC representative contacted the customer and advised that there will be a branch opening in Manchester later this year or toward
the beginning of next year. Advised that there are two branches in Nashua and one in Salem. The customer expressed his excitement,
thanked me for the call.
2021 5/25/2021
The customer sent an email regarding local ATM machine availability. He says "There is an HEB about a mile from Sun City where most of the
22 thousand people who live here shop AND get cash from the Chase ATM. Someone in their infinite wisdom decided to close that office and
remove the ATM. After that the only ATM machines were a 20 minute drive from here. One is in a sketchy parking lot you would not feel safe
going to in the daytime and would not think of going to at night. I guess to make people feel safer you moved the one in the parking lot about
100 feet to a more open area. The other is at a brick and mortar location that is hard to get in and out of. The first time I went to the parking
lot location during the day after you moved the ATM, I was there by myself. There was a guy standing in the drive thru trying to get money
with a red credit card. It wouldn’t work and he was going through all the theatrics people go through when they are trying to do something
wrong and know they are being watched. He gave up and went around behind the machine to a car waiting for him. They wouldn’t drive the
car through the drive thru. I went there this morning, 5/25/2021. You can imagine my pleasure and sense of schadenfreude when I saw police
tape and the machine was gone. Evidently someone had tried to break in or remove it. So, do the right thing and stop inconveniencing and
endangering us. Put that machine back in the HEB. You don’t have to open the office, nobody cares about that. I’ve heard you are building a
brick and mortar location on Williams Drive. I doubt that I will live long enough to see that."
JPMC representative contacted the customer and left voicemail to advise we looked into his concern/request. Advised the customer
that we were not able to obtain approval from HEB to leave the ATM behind when the branch was closed. Advised the customer that
we are just waiting for permits to begin construction on the new Cedar Breaks branch and expect to begin construction this
summer/fall. Apologized to the customer for the inconvenience that has been caused and have documented his feedback regarding
the safety concerns. Invited the customer to reach out if he has any additional questions to please reach out to me directly. Provided
contact info.
Austin-Round Rock-Georgetown, TX
MSA
2021 5/26/2021
The Lake Forest branch is a very small compact bank. This is the only Chase bank in a 6 mile radius. There is a larger bank on the North East
side of town. It’s not even a weekend nor pay day and the bank is packed. I been in the area for over 40 years and I had to drive to another
location to get assistance. Also they only have one ATM outside and the other one was locked. Today he went out to do transactions and he
couldn’t get in the parking lot. Chase needs to expand the building size in this area and if they do not believe me they can come out and
survey the area. This is a very multi-cultured area. Also its so crowded you can get blocked in the parking lot of the bank trying to get out.
Chase always saying customers voices matter and I hope they hear mine.
JPMC representative contacted the customer and provided him with an update confirming that there are four ATMs at this location (2
outdoor, 2 indoor) with another outdoor ATM pending install over the next couple weeks. Also shared that the branch recently
received a refresh with new paint, carpet, and furniture. We do not have current plans to expand the branch or add a new location.
The closest branch is four miles west and at this time no additional plans are in place. Customer began to speak about the population,
community, big houses, lakes, how far the other branch, Gentilly Woods, is and he began to mention how the weeds and trees are
outgrown. Advised that we would engage the proper partner so they can address that issue. If the weeds and trees are outgrown, they
will take care of the issue and there is no ETA. Advised that the weeds and trees should not effect his transactional purpose of visiting
the branch and provided him all the ways possible to use his online profile when transferring funds or depositing a check.
New Orleans-Metairie, LA MSA Lake Forest
2021 6/10/2021
Customer stated her local branch location (Bedford Ave Branch) is closing in August. The customer shared the community met with
Washington Mutual requesting for a branch in her area. The customer explained since then Chase took over this branch location and other
bank locations require public transportation. The client shared a lot of local customers are unhappy with this discussion and requests for
Chase to reconsider the branch closure.
JPMC representative contacted the customer and explained that we checked and confirmed the branch is still set for closure.
Explained that there is a branch closer to her and one less than 2 miles from that one. She declined and said that you had to take
public transportation to get to those. Customer asked why the branch was closing. Responded that it was based on the availability of
other branches in the area. Apologized to her for the outcome and she thanked us for getting back to her.
New York-Jersey City-White Plains,
NY-NJ MD
Bedford Ave
2021 6/11/2021
Received notification of branch closing in Whippany on route 10 in NJ from john McKinley. Is chase aware that a luxury apartment complex is
being completed right next door in their backyard with thousands of potential customers within walking distance? Basing a closing on covid or
previous existing customer traffic without checking environment pretty shortsighted......respectfully, [redacted]
N/A Newark, NJ-PA MD Whippany Village
2021 6/15/2021 Customer states Chase is cheap for not having teller service at our branch on Elizabeth Avenue. They had to deposit a $7500 check. N/A New Brunswick-Lakewood, NJ MD Franklin Township
2021 6/16/2021
The customer states the bank has only one drive through ATM and is often out of service, especially on the weekends. She states there is also
only one ATM in the lobby, which makes it very hard to get things done when the outside ATM is not working. She also states there are only 2
Chase branches in Lakeland, one in the North side and one in the South and Chase has also systematically removed all stand alone ATMs inside
stores or other locations. She states Chase pushes the mobile app, but alleges it's useless when dealing with cash, and the checks to be
deposited also have a dollar amount limit. The customer states she is very unhappy with Chase's service and practices. The customer would
like Chase to add an additional ATM at this branch, install stand alone ATMs in additional locations and to keep the existing ones in good
working order.
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about your service experience, the ATMs at the branch and the servicing of those ATMs. We
appreciate your service to our country. Thank you for sharing your concerns.
Thank you for taking the time to share your concerns with us about adding new ATMs and keeping them in good working condition.
We have documented your feedback and will check on the performance of the
ATMs at the branch. We will also review the ATM volumes at the Lakeland branches to determine if we need to add additional ATMs.
We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to provide you
with exceptional service, and we are sorry if we didn’t meet this goal.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number [redacted]. We
accept operator relay calls. We’re here Monday through Friday from 7 a.m. to 8 p.m. and Saturday from 8 a.m. to 5 p.m. Central Time.
Sincerely,
Executive Office
2021 7/22/2021
We received correspondence from [redacted] at the Town of Greenburgh Office of the Supervisor on behalf of customers regarding the
closure of the Hartsdale branch of Chase. The customer and others are very frustrated and upset and she is having problems getting access to
her safe deposit box
JPMC representative contacted the party that initiated the complaint and thanked him for bringing this matter to our attention and
that we have handled the matter with the client.
New York-Jersey City-White Plains,
NY-NJ MD
Hartsdale Ave
2021 8/26/2021
Thank you for your assistance. This is very detailed information. I note that the "public disclosure" statement is a little dated, is there any
current information. I did read a statement from a customer regarding closing a branch at 83rd & Stewart. I support the writer's comments.
Chase needs to be more visible in the black communities. For example, do financial literacy training and other skills based training about
building businesses in the black community.
In a nutshell, get and be visibly involved in banking and financial services in the black community.
N/A
2021 9/2/2021
Customer feels that the automated systems is wrought with inadequacies that open the customer to identity theft. He says that it should not
take 20-30 minutes to reach a live human. He feels that the architecture to obtain customer service is Chase’s form of REDLINING.
JPMC representative contacted the customer and advised we were calling to acknowledge his feedback and concerns. Thanked
customer for his service.
2021 9/13/2021
Customer expressing dissatisfaction regarding closure of the of the two closest bank branches. Customer explains the closest branch is now
one hour away and they have poor service. Customer states this branch should have closed instead of the others.
Due to the closure of the other branches and poor service of the branch that’s an hour away the customer tried using online deposits.
Customer states it works well until larger checks needed to be deposited. Customer explains due to the limit of $5K customer must travel to
the branch an hour away to deposit check of $10K. Customer asked if limit can be changed since the they can transfer fund over $10K.
Customer ask what is chase doing to banking easier. Customer will be looking to change banks.
JPMC representative contacted the customer and thanked the customer for her patience we while we research her concerns.
Informed the customer the Eagle branch primary reason for closure is that it is a remote location – it was not in close proximity to the
rest of the network. The ATM was left behind to accommodate customers going forward but ultimately it was a business decision.
Informed the customer the Wales branch has been closed due to COVID -19 and will officially close on November 15. As far as the
customer current limit, her daily limit is $7500 and limit in 30 days is $15,000. Informed the customer we are not able to increase limit
manually. QuickDeposit Mobile (Lite) limits are established real time using system that calculates limits based on relationship with
bank (i.e. segment, tenure, balances, etc.). Every time client attempts to make deposit, limits are determined using customer
characteristics at that moment. Limits are always displayed in mobile app at time of deposit. Limit are also in place to protect both the
customer and the bank. Customer wanted to know what else could she do to increase limit since she makes deposit every day.
Informed the customer limit changes based on tenure, segment and balances. Customer shared she has been with the bank for while.
Customer expressed how she will have to drive a hour to make a deposit. Explained the ATM was left at the Eagle branch to make
deposits. Customer was not aware the ATM could accept deposits. Informed the customer she would just need her debit card and PIN.
Customer shared she did not have a debit card. Reviewed profile and saw a debit card was on her profile but not activated. Customer
shared she did not receive debit card. Ordered a replacement card for customer. Customer will receive debit card in 3-5 business days.
We thanked each other and ended the call.
2021 9/20/2021 The customer sent follow up email regarding closures of branches in lower Westchester County and ask will this ever be rectified.
JPMC representative contacted the customer and left a detailed voicemail advising that we do not currently have any plans for adding
a Branch or ATM in Tuckahoe. Advised the Eastchester and Bronxville Station branch are both about three-quarters away from the
Tuckahoe Main St. branch that was consolidated in 2019. Advised both branches are full service and have ample ATM capacity.
Thanked him for his comments and advised we would document his feedback. Left contact information should he need to reach out.
New York-Jersey City-White Plains,
NY-NJ MD
2021 9/23/2021
The client expressed their frustrations with the closure of their local branch location. The customer shared there a lot of business around the
branch and the location has always been busy with business. The customer stated he received a letter informing them off the branch location
closure and wishes JP Morgan Chase would reconsider the decision.
JPMC representative contacted the customer and thanked the client for sharing their feedback about the branch closure. Explained
the importance of feedback and how it helps us improve the Chase customer service experience. The customer understands that he
must find a new branch to conduct business. Informed the customer that we will share the feedback with management and thanked
the customer for choosing Chase.
2021 10/6/2021
The customer stated the branch we are stating we will be relocating is the Glen Cove branch at 195 C Forest Ave, Glen Cove, NY 11542. He was
asking to speak with [redacted] who is the executive whose signature appears on the letter. He feels it is a terrible idea for us to move the
branch not just for himself but everyone in the town and that now we are moving the branch further from him. He stated the branch is at an
ideal retail location and provides parking for him. He stated it will be a major inconvenience for thousands of people and that there is no
parking in the downtown area where we are planning to move the branch to. He feels we should have done research first and contacted all of
the customers in the area. The customer wants to the branch to remain where it is.
JPMC representative contacted the customer and thanked customer for his feedback. Advised that his points make sense. We can not
discredit because we do not know what research was conducted to make this decision; however, we will share his feedback
accordingly. Customer plans to email and write a letter to the Executive Office.
New York-Jersey City-White Plains,
NY-NJ MD
Glen Cove
2021 10/8/2021
Customer said in the white neighborhood or white areas, the branches are open and all ATMs work unlike in his area. He said he will send
pictures of how the different locations look. Customer want chase to open more branches in his community or reopen the branch that have
closed or is closing. Customer confirmed stated all fees should be reversed due to poor areas of foul odors of urine and pan handles at the
vestibule in his area
JPMC representative contacted the customer via letter after unsuccessful phone attempts.
Dear [redacted],
I am responding to your complaint about late fees charged on your credit card ending [redacted] and your service experience at our
branches. Thank you for sharing your concerns.
We aim to give our customers exceptional service and are sorry if we did not meet this goal while you were visiting our branches. We
have reviewed and addressed these matters internally. We take complaints that claim discrimination seriously. We do not tolerate any
form of discrimination as it
is strictly against our policy and contrary to our corporate culture. Your allegation of discrimination will be reviewed internally.
[redacted]
Thank you for banking with us. If you have questions, please call [redacted] at 1-877-805-8049, extension [redacted] and reference
case number [redacted]. We accept operator relay calls. We’re here Monday through Friday from 7 a.m. to 8 p.m. and Saturday from 8
a.m. to 5 p.m. Central Time.
Sincerely,
Executive Office
2021 10/26/2021
Customer is reaching out about the branch closing on 775 Columbus Ave, stating there is a signage that has gone up at the 775 Columbus
Branch. I says the Branch is closing, with no date of closing indicated. Customer states when 775 Columbus branch closes his option and his
neighbors will be walking 12 blocks to 109th ab Broadway or 8 blocks to 95th and Broadway. For older UWS’ers, the walk back from either of
these branches is long and uphill.
JPMC representative contacted the customer and thanked customer for reaching out about the branch closure and the signage.
Informed customer that the closest branch location to Columbus and 97th is approximately 6 blocks to the Broadway & 96th branch.
Closing Branch has placed signs and passed out buck slips on 10/12/21 stating when the Branch is closing and the address to their
nearest location. The branch is staged to close on 12/9. Thanked customer and wished them a nice day.
New York-Jersey City-White Plains,
NY-NJ MD
Columbus and 97th
2021 11/1/2021 You have closed my branch on Garland Road in Texas now making it more difficult to make deposits.
JPMC representative contacted the customer and apologized for the inconvenience and the wait time while trying to send zelle
payment. We have found some opportunities to better our process the specialist who helped you is new and could have worked it
differently to avoid the long wait time. Customer advised that she has settled her credit issue and knows her closest branches and also
hopes that her Zelle payment goes without any issues in future and said they is no need for us to call her back unless we have to.
Dallas-Plano-Irving, TX MD Casa Linda
2021 11/3/2021
Customer said their branch is closing and there have been going there for 20 years. Customer said our website does not have an option for
filing a complaint and calling the 800 number was not helpful customer will like the branch to stay open.
JPMC representative contacted the customer and thanked him for his feedback and his concerns. Advised branch consolidation is a
business decision and a process that takes place throughout the year. Informed we've shared his concerns with upper management.
Advised customer the Dongan Hills will be consolidating into the Grasmere branch located .9 miles away and this should be his home
branch. Apologized if we inconvenience him due to this process.
New York-Jersey City-White Plains,
NY-NJ MD
Dongan Hills
2021 11/22/2021
Customer states that:
1. ATM LOCATED AT XAVIER DOES NOT PROVIDE ADEQUATE ADA ACCESS
2. ONE HANDICAPPED SPACE WHICH IS LOCATD AROUND THE CORNER FROM THE MAIN ENTRANCE TO CHASE BANK
3. NO DRIVE THROUGH BANKING
4. READING ROAD MOVED
5. THERE NEEDS TO BE A CHASE BANK NEAR THE OLD BLACK COMMUNITY IN THE CITY OF CINCINNATI, WHICH IS BOND HILL ZIP CODE 45237
6. ATM DRIVE-THROUGH IN OAKLEY ATM NEVER ACCEPTS DEPOSITS OR PROVIDES WITHDRAWALS.
JPMC representative contacted the customer and advised that the ATMs noted were confirmed to be working. If the customer finds
otherwise, they can let the branch know. The accessible parking at the one noted branch is around the corner from the ATM as it is in
a strip mall that is controlled by the landlord. Chase does not have control over this. There are no plans to open another branch in
Bond Hill.
Cincinnati, OH-KY-IN MSA
2021 11/24/2021
Customer is upset we are closing all the ATM and branch closure in the Central Business District (CBD) downtown Dallas. Chase has removed
the last two ATM’s and closing our 1700 Pacific Ave. Branch Office. Over the past two to four years we have closed the Main street branch and
the closest 24 HR ATM is almost ¾ of mile in the CBD would not want to make that walk at sunset.
JPMC representative contacted the customer and thanked him for his feedback for ATM in the Downtown business district. We have
shared his feedback with our business partners with your displeasure of ATM and branch closures. We have also captured for reporting
purposes. Your feedback is important as it helps us serve you better. Discussed the different branches closing and the number of ATMs
in the area. He too is in the banking industry and understand when changes are made it is a business decision. We assured him his
concerns have been captured and shared with the appropriate LOB.
Dallas-Plano-Irving, TX MD Dallas Main
2021 12/2/2021
Customer feels the bank is unusable. Customer says that the bank doesn’t value his business or else his needs would be accommodated.
Customer feels the bank is racist and says it phased out compatibility with older tech, systematically disadvantaging poor and minority
communities by making it too expensive to use the online service.
JPMC representative contacted the customer and left voicemail apologizing for inconvenience. Informed customer that we value you
them as a customer. Left contact information.
2021 12/3/2021
In the city of st. albans, WV there is only 1 atm, the branch closed here. it never works and is always down!!! i would like to know if chase is
going refund my atm fees for using other atm's to get money out of my account???can someone please recommend putting a new atm in st.
albans,wv , since this one breaks down all the time!!!!!! this is the only way our town can do any business with chase. thanks
Hello Dear [redacted], Thank you for contacting us. I apologize for any inconvenience caused to you. Thank you for your feedback. We
will share it with the appropriate team. [redacted], we are unable to refund the non-Chase ATM fees. However, we're giving you a
refund for the Insufficient Funds Fee we charged you on August 27, 2021. We appreciate you being a Chase customer.
Charleston, WV MSA
2021 12/30/2021
I needed access in regards to my checking account; drove all the way over to my bank (about fifteen miles) to discover a sign in the window;
this bank closed; gateway st. and game farm road branch... their web site showed they were open 9-5. this is very confusing. are banks in the
habit of just closing up for a day whenever they want to w/o indicating that on the web site where it shows days and times of operation? is
this branch closed permanently? just for the day? just until after the new year. don't you think loyal customers has the right to know in
advance so they do not drive over to a bank that shows it's open to find a sign like that?
Hello [redacted], Thank you for contacting us and I apologize for the inconvenience. We thank you for your feedback about the
branch. We will share it with the appropriate team. [redacted], when you plan to visit branch , we request you to scheduling a
meeting this helps you save time. You can also call a branch to schedule a meeting. Find the phone number by searching under "ATM
& branch" on chase.com. Without a scheduled meeting, you may have to wait for an available banker. We appreciate your patience
and understanding in this matter.
Eugene-Springfield, OR MSA Gateway St and Game Farm Rd
*Note: Portions of correspondence may be redacted to protect customer privacy
CRA Public File Comments Received via Social Media 2021
JPMorgan Chase Bank N.A.
Year Comment Source
Comment Received
Date
Comment*
AA
(If known)
Branch
(If known)
2021 TWITTER 1/10/2021
In #banking news, @chase has created a new role in San Francisco designed to strengthen the bank's ties to local communities in the West — and
named someone to head it. bizjournals.com/bizwomen/news/…
San Francisco-San Mateo-
Redwood City, CA MD
2021
TWITTER 4/1/2021
SAHF & @HPN_Network have proudly joined to leverage a $3 million investment from @jpmorgan @Chase to provide rent relief & expand critical
services that support housing stability for more than 7,500 households served by 19 affordable housing nonprofits. – bit.ly/JPMC_PR
2021
TWITTER 4/2/2021
Happy to share $3M @jpmorgan @chase investment with @SAHForg to strengthen housing stability targeting 7,500+ households served by 19
affordable housing member nonprofits in 7 states. bit.ly/JPMC_PR #RentRelief #EquitableRecovery #CapitalWithConscience
2021
INSTAGRAM 4/6/2021
From the FF&E to the interior decor and of course those gorgeous custom built live edge coffee tables that Chris rocked this phase of the Russell
Center for Innovation & Entrepreneurship (RCIE) commercial project has officially wrapped! We feel so privileged to have been invited to work with
such an awesome group of amazing leaders on this collaboration between the rcieatlanta & jpmorgan chase. It was an absolute privilege to be asked
to help bring this Chase Lounge space to life!🖤
“We’re on a mission to help close the racial wealth gap. To support this goal, we partnered with The Russell Innovation Center for Entrepreneurs
(RICE) to launch our first community Chase Lounge—a space designed to help level the economic playing field for the Black community in Atlanta,
GA.”~JP Morgan Chase & Co.
Check out the link in our bio ☝🏽for even more info on the Russell Center & Chase Lounge and what it is doing for the community in which it lives.
President & CEO: jay4hope
Project Manager: randallcdragon
Architect: xmetrical
Construction: channbeezy
#husbandandwifeteam #husbandandwifegoals #generalcontractor #blackownedbusiness #atlantarealestate #blackdesigners #blackdesigner
#husbandandwifebusiness #interiordesign #contractorsofinstagram #contractorsofinsta #commercialconstruction #commercialproperty
#blackbusiness #blackinteriordesigners #chasebank #chaselounge #rcie #rice #jpmorgan #jpmorganchase #entrepreneurlife #entreprenuerlifestyle
#hjrussell #commercialrenovations #highend #ffe #ff&e
Atlanta-Sandy Springs-Roswell,
GA MSA
2021 TWITTER 4/8/2021
@SenatorWarnock I now u busy protecting our right to vote but we need you to shift to what the banks in GA are doing to small businesses...
@Chase has frozen my account along with other small businesses in low income areas that desperately need the assistance!!
2021 TWITTER 4/8/2021
@BernieSanders U know what’s greedy? @Chase closing small business accounts until they can prove SBA issued disaster assistance. We need
somebody to rein in the big banks yesterday & get us access to our business funds that we desperately need. How is this patriotic, if anything it’s
criminal!
2021 INSTAGRAM 4/9/2021
This week we’re celebrating National Community Development Week! Community Development funding has helped us support and spearhead some
crucial projects through the #COVID19 pandemic.
One such project was the San Diego Housing Commission’s purchase of an extended-stay-type hotel on Hotel Circle. The hotel was converted into
190 new, fully-furnished, permanent affordable rental apartments with supportive services for individuals who experienced homelessness during the
COVID-19 pandemic.
Funds from the Housing Commission, the City, the State of California’s Homekey Program, and a loan from Chase Bank made the purchase of this
hotel possible. The funding included $10 million in CDBG funds from the Community Development Block Grant Affordable Housing Revolving Loan
Fund.
The new residents at this property were individuals served through Operation Shelter to Home. The Housing Commission provided 190 federal rental
housing vouchers to help the new residents pay their rent for their permanent affordable rental housing at this property.
#NationalCommunityDevelopmentWeek #CommunityDevelopment #SanDiego #OperationSheltertoHome
San Diego-Chula Vista-Carlsbad,
CA MSA
2021 TWITTER 4/16/2021
A lack of access to financial services is a familiar story for underserved communities across the U.S. Read about how @JPMorgan @Chase is helping
drive the work of economic equity.
2021 TWITTER 4/16/2021
In #workforcedevelopment we spend a lot of time getting customers job-ready but what about getting them paycheck-ready? Join us & our partners
@WorkforceInvest and @Chase on April 22nd for ideas & resources to support low-income individuals: bit.ly/3e3qiNL https://t.co/EUXBH76Eb3
2021 TWITTER 4/18/2021
How much money did your job seekers lose in #fees last year? It’s probably more than you think! Join us and our partners @WorkforceInvest and
@Chase on April 22nd as we highlight #financialliteracy resources to support low-income individuals: bit.ly/3e3qiNL
2021 TWITTER 4/19/2021
Construction on the new Chase bank branch well underway in The Shoppes at Chartiers Crossing (McKees Rocks, PA). THANK YOU, @Chase, for your
commitment to investing in underserved communities and ensuring everyone has access to financial services.@PBT_Patty #TheRocksRising
pic.twitter.com/6Ei92GRmMu
Pittsburgh, PA MSA Mc Kees Rocks
2021 TWITTER 4/22/2021
In 2020 our jobseekers raised their credit scores an average of 53 points! Join us and our partners @WorkforceInvest and @Chase this afternoon to
get ideas & resources for supporting low-income individuals on their path to #financialliteracy: bit.ly/3e3qiNL https://t.co/Md4noiUV36
2021 TWITTER 4/23/2021
SAHF is proud to join @HPN_Network & @jpmorgan @Chase to expand critical services that support housing stability and provide nonprofits flexible
funds to help address unpaid rent. Thanks for highlighting this important initiative @AHFMag
housingfinance.com/management-ope…
2021 TWITTER 4/26/2021
Black and Latinx families are disproportionally likely to be unbanked, making up 64% of the total unbanked population. Learn how access to financial
services is crucial for underserved communities: wapo.st/3cVseZj via @JPMorgan @Chase
2021 TWITTER 4/26/2021
“The overwhelming response from the local community is testament to the great work by @HabitatNYC & Almat Group and the critical need for
quality, affordable housing. At @Chase, we are committed to supporting projects like this that help local communities thrive.” Sharmi Sobhan
pic.twitter.com/38OXPDGVy4
2021
FACEBOOK 5/7/2021
I'm begging Chase to be a good neighbor, to do what's right for the community. To CARE about their customers- TO PLEASE KEEP THE CHASE BRANCH
in the Knolls Crescent shopping center (13B Knolls Crescent), OPEN PERMANENTLY (it's scheduled to close May 17). This is the only bank in the area-
Thousands of people of all ages who live here and in the surrounding area, local store owners, use this branch. Elderly people on walkers have their
life savings here. They don't have public transportation access to go to other banks, not really near where they live. WE NEED THIS BANK BRANCH!
This $115 billion dollar bank can afford to show some decency and humanity, show they care about their customers.
New York-Jersey City-White
Plains, NY-NJ MD
Knolls Crescent
2021
TWITTER 5/12/2021
Thank you to all of the #AHSMN2021 sponsors! We are proud to work with a wonderful group of businesses dedicated to helping make housing
affordable for all. @bwbminnesota @chase @colliers @dominiumapts @rbccm pic.twitter.com/5GLTIYNaTQ
2021
TWITTER 5/13/2021
Hey Staten Is.! Excited to bring affordable housing to Port Richmond w Project Hospitality, Amie Gross Architects & Broadway Builders + NYCHousing
@Chase & Richman. S.I. apartment building for formerly homeless, low-income earners taking shape silive.com/business/2021/…
New York-Jersey City-White
Plains, NY-NJ MD
2021
TWITTER 6/17/2021
@jpmorgan @Chase is addressing the affordable housing crisis through policy solutions that dismantle structural barriers and equip policymakers
and community leaders with action-oriented research to tackle housing challenges. Learn more here: jpmorganchase.com/impact/our-app…
2021
INSTAGRAM 7/3/2021
Wow!
Just ran across this on my feed. I remember the many mornings after hanging out in the clubs and heading back home stopping here for breakfast.
They had the best pancakes eggs and grits with coffee!
Staff was extremely friendly and they cooked everything fresh to order. This was a true Harlem gem. And yeah this is the spot in the movie Precious
that Gabby stole the chicken bucket from and ran out the door 😂 as well as many countless hiphop videos were filmed in and around. Mary J. , 112,
Black Street to name a few…
Gentrification definitely murdered the soul of Harlem!!! I still blame chase for the destruction of Harlem when they purchased all the buildings in the
area and raised the rent for people in the area forcing them to move away from their homes and neighborhoods by not creating affordable housing
for the residents of Harlem and moved the white peoples into the area.
#gentrification #chasebank
#mandg #harlem #soulfood #125thstreet #mandgdiner #diner #nostalgia #harlemrenaissance #harlemrestaurant #precious #soulfood #friedchicken
#southernfriedchicken
New York-Jersey City-White
Plains, NY-NJ MD
2021
TWITTER 7/6/2021
learn how CRA, @federalreserve & @USOCC do nothing to protect the poorest and weakest among our economic system.
in our small city of Warren Ohio Chase Bank @jpmorgan closed all their branches
Youngstown-Warren-Boardman,
OH-PA MSA
2021
INSTAGRAM 7/28/2021
Some good news! We got a bank branch back! When community works together, magic happens.
A year ago, community gathered on Burnside to protest the departure of Chase and AmalgamatedBank branches, leaving us with NO branches in the
heart of the West Bronx, and sparking a year of dialogue with both institutions regarding the Community Reinvestment Act, and what it means to
invest in a community like ours.
With nearly 40% of our households digitally excluded, and close to 30% unbanked, physical presence is critical.
Thank you, Chase for reopening. We look forward to continued #CRA discussions.
S/O to JARCBX!
https://www.crainsnewyork.com/finance/chase-bank-returns-bronx-neighborhood-devastated-looting-shocking-business-
owners?utm_source=morning-10-tuesday&utm_medium=email&utm_campaign=20210726&utm_content=article4-readmore
New York-Jersey City-White
Plains, NY-NJ MD
2021
TWITTER 8/12/2021
Jamie from @Chase: Arya will be a beautiful addition to the city of San Jose and this community, and Chase is proud to be a partner and supporter of
affordable housing in San Jose. pic.twitter.com/DzZ3Nt4MRy
San Jose-Sunnyvale-Santa Clara,
CA MSA
2021
INSTAGRAM 8/22/2021
What a great presentation from Zhemyr Diaz at our monthly meeting with Latin American Profesional Alliance (LAPA). His powerful presentation
moved the entire audience as he gave us his personal story as a Cuban immigrant to America. We felt that special human connection between the
community and JPMorgan Chase on Friday night.
JPMorgan Chase is currently spearheading initiatives to support banks and credit unions that are primarily owned or directed by people of color, as
well as banking institutions that work with underserved communities.
It's part of JPMorgan's $30 billion commitment to help address wealth inequality. Together with commited leaders like Zhemyr Diaz Andre Ureña Gus
Contreras LAPA Board Members know we can make a big difference in the lives of the underserved community.
#leadership #chasebank #entrepreneurship #diversity
2021
INSTAGRAM 9/22/2021
We are excited to announce that Chase Bank will be the Presenting Sponsor of LATINAFest: Mind, Body, Soul 2021, an in-person event in celebration
of all things Latina! “Latina small business owners are a major driving force in our economy, our cities and our community,” said Silvana Montenegro,
head of Hispanic & Latino Initiatives at JPMorgan Chase. “It’s great to be a part of LATINAFest and celebrate the grit of Latina entrepreneurs and bring
information and resources that can help them and their businesses build brighter futures.”
At LATINAFest, Chase will present the Chase Pavilion, consisting of 10 Latino/a-owned businesses who have successfully grown their companies
through a new Chase for Business program. Chase’s support includes funding a $2,500 grant to be presented to an outstanding Latina business
owner who has shown improved growth, leadership, and promise within the community. The LATINAFest LATINAPreneur Grant will be presented by
Dr. Betty Uribe, consumer bank divisional director for Chase’s California Region, and LATINAFest founders at the event. Dr. Uribe will also be the
Keynote Speaker at LATINAFest.
chase laplazala drbettyuribe
#Chase #chaseforbusiness #thefutureislatina #smallbusiness #entrepreneur #POC #hispanicheritagemonth #latinaentreprenurs #comunidad #women
#business #latinx #losangeles #la #latinx #community #laplaza #grant #leadership #growth #california #keynote #jpmorganchase #chasebank
#mujeres #supportlatinoowned #latinas #womenofcolor #shoplocal #festival
2021
INSTAGRAM 10/16/2021
LATINAFest is not only proud that chase Bank is the event’s Presenting Sponsor on Oct. 17th, we’re also delighted that Chase Bank is continually
providing advancement opportunities for entrepreneurs, including Latinas.💙
As part of the Chase’s commitment to the ongoing success of their small business owners, it has partnered with riceuniversity Susanne M. Glasscock
School of Continuing Studies to offer a series of short courses to help businesses move beyond surviving and into thriving in 2021.
Courses are valued at $295 each and are complimentary to Chase for Business small business customers.
✨
Opportunities include:
Succession Planning for Your Business – October 21st, 2021
Getting Results with Creative Online Marketing – October 28th, 2021
For more information about these courses, including how to register, please visit:
glasscock.rice.edu/ChaseSmallBusiness
¡Adelante!
GET LATINAFest Tickets Now! LINK IN BIO.
#riceuniversity #gamechangers #careerchangers #opportunities #workshops #onlinemarketing #successionplanning #datastorytelling
#decisionmaking #jpmorganchase #chasebank #financialfreedom #business #smallbusiness #entrepreneurs #supportlatinaowned #POC
#womenofcolor #latinapreneurs #comunidad #community #latinx #latina #latinaowned #womenledbusiness #hispanicheritagemonth #latinafest
#thefutureislatina
2021
TWITTER 10/18/2021
But most of all.
Collaboration.
With work of leisure and at pleasure.
Your own desire and not the mundane.
@Nike
I feel like @Chase, thank you for your continued outreach to poverty stricken neighborhoods and your continued support of small businesses and the
trail on the Lake!
2021
INSTAGRAM 10/20/2021
Advancing Black Entrepreneurs is on a mission to help close the racial wealth gap. They partnered with The Russell Innovation Center for
Entrepreneurs (RICE) in Atlanta, GA to launch their first community Chase Lounge. The space was designed to help level the economic playing field
for the Black community in Atlanta. The Chase Lounge gives Black students, business owners and entrepreneurs access to Chase events and
resources created to help them begin and enrich their businesses. Learn more at: https://www.jpmorganchase.com/impact/people/advancing-black-
pathways/advancing-black-entrepreneurs/rice-chase-lounge
#gilmorelegal #lawfirm #businesslaw #contractlaw #governmentcontractlaw #governmentcontracts #legal #law #wosb #womenownedbusiness
#blackownedbusiness #legaladvice #attorney #onlineresources #blackwomenattorneys #atlantaattorney #entrepreneur #smallbusiness
#entrepreneurial #atlbusiness #atlanta #govcon
#smallbusinessowner #blackbusiness #advancingblackentrepreneurs #chaselounge #russellcenter #atl
Atlanta-Sandy Springs-Roswell,
GA MSA
2021
TWITTER 10/21/2021
JPMorgan Chase has launched a new business through its Community Development Banking (CDB) arm aimed at financing more #affordablehousing
developments, Commercial Observer can first report. @jpmorgan @Chase bit.ly/3E0xwgY
2021
INSTAGRAM 10/31/2021
Do you need free, expert advice on managing your small business finances?
Do you need to get your business back on track to create efficient cash flow? Do you really know how much you are making and how much you are
spending?🙋🏽💰💰
Latina VIRTUALFest can help you!!!
Streaming on Tuesday, November 2nd on LATINAFest’s YouTube and Facebook platforms, you’ll be able to take a CASH FLOW workshop with Sandra
Magallon, the West Division Area Manager of Chase for Business.
“Latina entrepreneurs are an economic force,” said Sandra Magallon, West Division Area Manager Chase for Business. “We are thrilled to team up
with LATINAFest to celebrate the achievements and resilience of Latina small business owners."
This unique and free opportunity will help your business prosper! See you there!
Chase
#chaseforbusiness #thefutureislatina #smallbusiness #entrepreneur #ChaseSmallBiz #hispanicheritagemonth #latinaentreprenurs #comunidad
#women #business #latinx #losangeles #bosslady #latinx #community #laplaza #grant #leadership #growth #california #keynote #jpmorganchase
#chasebank #mujere
2021
INSTAGRAM 11/14/2021
Huge congratulations to our 8th Graduating class of our CA Board of State & Community Corrections Youth Reinvestment Initiative.
These 16 Success Stories completed 16 weeks of Life skills, Career Development, Leadership Development, Financial Literacy Workshops &
Restorative Justice -Community Service Projects.
Lead by our tremendous Coach Adrianna she has educated, enlightened, & equipped her students w/ tools to develop a solid road map for success.
A Special thank you to Coach Jonathan aka Chase Bank Manager dedicating 2 hours of your Saturday these past 16 weeks. We are extremely grateful
& our students are several steps ahead of their peers in the pursuit of financial freedom.
Thank you to our Community Partners San Bernardino City’s Community Prevention Program (Mr. David Mirranda), BSCC, SB County Probation, & SB
County Workforce Development Dept. , Chase Bank
Riverside-San Bernardino-Ontario,
CA MSA
2021
INSTAGRAM 11/18/2021
We’re happy to announce that People Inc. has earned an award from the New York State Association for Affordable Housing (NYSAFAH) under the
category of “Project of the Year in the Upstate Region.” The recognition acknowledges our Jefferson Avenue Apartments, located in Buffalo’s historic
Jefferson corridor. It is a proud moment for everyone involved to receive this honor! The award was presented to Concetta Ferguson of People Inc.
and Timothy Henzy of Smith & Henzy Advisory Group on Tuesday, November 9, in New York City, at the NYSAFAH’s Annual Awards for Excellence in
Affordable Housing. #AffordableHousing #Excellence
The People Inc. Jefferson Avenue Apartments project began construction in 2018 and celebrated the public opening in August 2021. In addition to
People Inc. providing safe and affordable housing, a set of five murals adorn the apartment building, all designed by local artists and representing the
history of the Jefferson Avenue community. We are so grateful for this award, and the partnership with so many who helped to make this project a
reality, including our funders: NYS Homes and Community Renewal, NYS Housing Finance Agency, JP Morgan Chase Bank, Raymond James Tax Credit
Funds, City of Buffalo HOME Program, NYS Empire State Development, NYS Energy Research and Development Authority and NYS Office for People
With Developmental Disabilities.
2021
TWITTER 12/1/2021
@ChaseSupport Yo! All the ATMs near me are down and I need to deposit cash! The next closest branch is the next town up! I’m glad I’m leaving
@Chase soon. They closed ALL the branches in the low income areas and it says a lot about them as a whole.
2021
INSTAGRAM 12/9/2021
It was great to witness the ribbon-cutting of chase Bank’s new Community-Inspired Branch in downtown #Oakland where they will offer free
financial health resources like skills training, local pop-up shops and innovative technology & services for local residents and small businesses
including:
o Growth support for local entrepreneurs starting or expanding their small business
o Mentoring for entrepreneurs and access to a pop-up space
o New community “living room” area to host events, community groups and local non-profits
o Workshops to build financial health - including sessions on saving, budgeting and building credit
o Free use of the tech bar space and Wi-Fi for community groups and residents
o Traditional banking services and information that can help the underserved community affordably manage their finances
o Art created by local artists is also integrated into the branch design
https://www.newsbreak.com/news/2456257722509/chase-bank-opens-community-inspired-branch-in-oakland-helping-entrepreneurs-of-color
Oakland-Berkeley-Livermore, CA
MD
2021
TWITTER 12/18/2021
@Chase you closed the drive up bank in Danville, KY. You only have one ATM in a town of over 17,000. What sense does that make? @ChaseSupport
y'all can't afford to install more ATM's?
Danville, KY MiSA Third St Driveup
*Note: Special characters and emojis may be edited to improve accessibility
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Houston, TX Written Comments
Date Submitted: 5/18/22
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
Early January 2022 my JPM Chase banker informed me of a grant program offered by Chase when I
shared our grassroot events, projects and programs. He soon introduced me to [REDACTED CONTENT] at
the Chase branch, 5207 Airline Drive, Houston, TX 77022. I met her via phone and I soon delivered
documents on our non-profit and summary of our projects, programs, etc. January 27, 2022. However,
on January 31 [REDACTED CONTENT] emailed that Chase would not be able to sponsor at this time as
the projects do not meet four pillars criteria. I asked why she had not provided in advance the pillars,
and requested she provide them to me. Feb. 1 I responded that we are eligible for all the pillars after
having reviewed them; and affordable housing surely one of our priorities. Feb. 7 she responded she
would make some connections to support our affordable housing. No response after we provided the
information to [REDACTED CONTENT] so I emailed her March 9, 2022 asking how much longer before
hearing from her on our proposed projects for funding by Chase. No word from [REDACTED CONTENT]
so another request for an update was emailed her March 23. Still no response so April 5 we received
response to our concerned letter to Chase about [REDACTED CONTENT]. [REDACTED CONTENT] in
central giving for Chase is who I spoke to and forwarded copies of our emails to [REDACTED CONTENT].
No response from [REDACTED CONTENT] (4/27/2022) despite email to her today. Chase customer care
took our concern but admitted nothing they could do. Corporate Chase did nothing. Federal Reserve
contacted and instructed I contact CFPB and file this complaint. Chase ads seen in various newspapers in
Houston, Texas about millions it has to give to disadvantaged neighborhoods, small businesses, etc., yet,
we are met with only blockades to receive funding.
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
June 2, 2022
[REDACTED CONTENT]
Houston, TX 77019
We confirmed your point of contact for this matter
Dear [REDACTED CONTENT]:
We are responding to your complaint about funding for your project in Freedman’s Town and your service
experience. Thank you for sharing your concerns.
We appreciate you taking the time to tell us about our service. Your feedback is important to us. We aim
to give exceptional service and are sorry if we did not meet this goal when you did not receive a response
to the emails you sent.
We escalated your concerns and understand Program Director [REDACTED CONTENT] has contacted
you about this matter. He will be your point of contact going forward. You may call [REDACTED
CONTENT] directly at [REDACTED CONTENT].
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED
CONTENT]. We accept operator relay calls. We are here Monday through Friday from 7 a.m. to 8 p.m.
and Saturday from 8 a.m. to 5 p.m. Central Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
chase.com
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Houston, TX Written Comments
Date Submitted: 7/15/22
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
Today, July 15, 2022. Had not heard from Chase's [REDACTED CONTENT] over the Community Impact
Team that oversees the alleged $30 billion Chase purported publicly to give to disadvantaged
communities since CFPB had him phone me May 31, 2022. Received his voice mail on July 7 and 15. As I
was preparing to amend my prior complaint to CFPB on this Chase matter, [REDACTED CONTENT]
returned my call. Apologized for having had not gotten back to me in nearly two months. He basically
said they (he and his team) were unfamiliar on how to disburse the said funding despite 1.5 yeas into
the 5 year funding period; said that a few cities had received funding and I asked names. Reluctantly he
said Chicago and Houston. [REDACTED CONTENT] said a large affordable housing project had received
funding in Houston but he hinted I would have to file FOIA to obtain from city of Houston. I reminded
him of our disadvantaged community of Freedman's Town need for affordable housing, small business
development, youth center construction and historic preservation, and that during our May 31, 2022
conversation he had assured me we would receive funding from Chase. Now he's clueless but managed
to fund entities in Houston that really do not serve the disadvantaged but focuses on homeownership.
In addition, [REDACTED CONTENT] said Chase's products must be made to accommodate the
disadvantaged and that he could not give me any timetable on when we would receive funding. Chase's
priority is homeownership rather than affordable rental housing he said, [REDACTED CONTENT] rhetoric
was the standard we receive when an entity is lying about helping us. They tell CFPB what it wants to
hear but does nothing to honor its stated commitment to help us. [REDACTED CONTENT] only clarified
his position when I had asked to speak to the head person in Chase's executive office. He merely said
they would send me back to him. I thanked him and closed our talk. I then contacted Chase's executive
office and the intake person [REDACTED CONTENT] was clueless. All she offered was directing me to the
Inspector General. Please add my previous complaint on this matter also. Thank you.
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
July 26, 2022
[REDACTED CONTENT]
Houston, TX 77093
Please work with your point of contact
Dear [REDACTED CONTENT]:
We are responding to your complaint about funding for your project in [REDACTED CONTENT]. Thank
you for sharing your concerns.
We appreciate your feedback about affordable housing and your project in [REDACTED CONTENT].
Program Director, [REDACTED CONTENT], is your point of contact for this matter. We understand he
has recently contacted you about your request and advised that he will continue to give you additional
information as it becomes available. You will need to work with [REDACTED CONTENT] for your
requests or questions about this matter.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED
CONTENT]. We accept operator relay calls. We are here Monday through Friday from 8 a.m. to 9 p.m.
and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
chase.com
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Houston, TX Written Comments
Date Submitted: 9/9/22
Submitted Via: OCC Online Customer Complaint Form
Customer Comments
Bank of America, Chase and Wells Fargo have all been contacted and could care less about complying to
the CRA. You see their ads boasting millions, billions of dollars to invest in disadvantaged communities,
small businesses, etc. but I have approached them all about investing in our youth center and small
business and get no where. I also complained to the CFPB on Chase because of blatant discriminatory
practices and policies of it investing in Houston while overlooking our community. We have been merely
lied to and Chase merely threw us back to its same rude CRA Team and now months have passed and
not one word from Chase or the other two banks. What is the purpose of the CRA and regulators such as
the OCC when no tangible, progressive results?
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
September 26, 2022
[REDACTED CONTENT]
Houston, TX 77019-5021
Thank you for your feedback
Dear [REDACTED CONTENT]:
We are responding to your complaint about a lack of financing for affordable single-family and duplex
construction projects, and funding for a youth center in Freedman Town, Houston Texas. Thank you for
sharing your concerns.
We understand that [REDACTED CONTENT]; Managing Director, called you and advised that we do not
provide financing for single-family and duplex construction projects. We do however provide grants to
Community Development Financial Institutions (CDFI). [REDACTED CONTENT] will contact you shortly
with the contact information for the CDFIs whom we work with.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it
is strictly against our policy and contrary to our corporate culture.
If you have questions, please call us at 1-877-805-8049 and reference case number
[REDACTED CONTENT]. We accept operator relay calls. We are here Monday through Friday from 8
a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
chase.com
November 14, 2022
Customer Assistant Group
Oll'ICEOF2'HE
NOV
1 7
2022
COMPTROLLER
OF
'rHE CURRENCY
Office
of
the
Comptroll
er
of
the
Currency
P.O. Box 53570
Houston, Texas 77052
RE:
JP
Morgan
Chase
Bank, National Association
Customer Assistant Group.
Received
your
l
etter
dated November 8, 2022,
on
November 12, 2022.
I am presenting
~Y
appeal because
JP
Morgan
Chase
Bank only contacted me saying the same
inappropriate lie:
that
its Team
wou
ld contact me
but
unknown when. I have been
to
ld
so
many
different
positions
by
Chase
that
my
questions
to
them
catch
them
off
guard and I hear silence.
Next, I am always
to
ld someone
wou
ld contact me immediately,
but
that
does
not
happen.
The
OCC
must
ensure
that
a specific
timetab
le is achieved, and the goal
of
that
t i
metab
le
met
by
Chase
. Otherwise, Chase's discriminatory practices and
po
licies
wi
ll continue against
heritage [
REDACTED
CONTENT
] and additional Moorish Americans.
My
contact phone
ce
ll: [
REDACTED
CONTENT]
. That way I may
intercept
your
phone
ca
lls.
[
REDACTED
CONTENT
]
[
]
[
]
[REDACTED CONTENT]
[
]
[
]
occ
[
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Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
September 6, 2022
[REDACTED CONTENT]
[REDACTED CONTENT].
Dayton, OH 45426-2329
Thank you for sharing your concerns with us
Dear [REDACTED CONTENT]:
We are responding to your complaint about the closing of your Safe Deposit Box and your service
experience. Thank you for sharing your concerns.
We’re sorry for the inconvenience caused by the closure of our Salem Trotwood branch. We no longer
offer Safe Deposit Boxes at any of our branch locations. When we spoke with you over the phone, you
confirmed that you were able to close your Safe Deposit Box and retrieve the contents on
August 26, 2022.
We appreciate you taking the time to tell us about your concerns. Your feedback helps us serve you
better. We take complaints that claim discrimination seriously. We do not tolerate any form of
discrimination as it is strictly against our policy and contrary to our corporate culture.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference
case number [REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
executive.office@chase.com
chase.com
�
BOARD OF DIRECTORS
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Year
Comment
Received Date
Comment* JPMC Response
AA
(If known)
Branch
(If known)
2022 1/5/2022
Customer says that the ATM at 7400 Gratiot Ave Detroit, MI 48213 has not been working. Customer says that she reported the issue before
and complaint was already filed. Customer says that it’s inconvenient for customers within the area to go out of their way to get access to an
ATM. The customer says that community has more black people living in it and feels that no one is dealing with the ATM issue because of
more black people living in it. Customer says that it’s not fair being treated that way.
JPMC representative contacted the customer and apologized for any inconvenience. Let customer know that issue was escalated to
management.
Detroit-Dearborn-Livonia, MI MD Gratiot Warren
2022 1/5/2022
Customer escalated complaint about the Eltingville branch being closed. He states a sign was posted stating it was closed due to COVID.
Customer states he will continue to post on Facebook about Chase closing branches.
JPMC representative contacted the customer and thanked customer for taking the time to tell us about their experience and for
providing feedback. Confirmed that most New York City branches are open as normal however the Eltingville branch is currently
closed as we comply with New York City's COVID-19 workplace vaccination order and we do not have enough staff to cover all of our
branches. At this time we do not have a reopening date however the ATMs are currently working and we apologize for any
inconvenience this has caused. If you still need help I can locate a branch and have them make an appointment to see you. Customer
reiterated his complaint and stated that other banks are not closed and this is only chase. The line was disconnected.
New York-Jersey City-White Plains,
NY-NJ MD
Eltingville
2022 1/5/2022 Why is the carpinteria branch closed again with no notice? and how do i get into my safe deposit box?
JPMC representative contacted the customer via email.
Hello [redacted], Thank you for contacting us. We understand the importance of your inquiry. As the branch is temporarily closed at
this time, we want you to know that we are doing our best to care for this need as quickly as possible. We understand the importance
for you to have access to your safe deposit box and its contents and we are working diligently to get this resolved as quickly as
possible. Please refer to the branch locator at chase.com as it is being updated daily. We appreciate your patience during this time.
[redacted], please contact us. We’ll make an appointment to remove the property in your safe deposit box and cancel your lease. If
your branch is currently closed because of COVID-19, please email us at [redacted] to schedule an appointment. If your branch is open,
please call to schedule an appointment. To get the branch’s current hours, search for it at chase.com/branch. Bring valid photo
identification and your box’s keys to your appointment. If you cannot remove your property, we will terminate your lease, open your
safe deposit box, take inventory of your property, and store it at an offsite location. You can rent a new safe deposit box at another
Chase branch: - Renting a safe deposit box requires an eligible Chase deposit account. - To search for a branch with safe deposit boxes,
use the Chase Mobile(R) app(1) or go to chase.com/branch. Please call ahead to check availability. - If you rent a new box, we will
apply any unused portion of your previous rent to your new contract. If you have questions, please call us at the number on the back
of your card. We accept operator relay calls. We appreciate you being a Chase customer.
Santa Maria-Santa Barbara, CA MSA Carpinteria
2022 1/14/2022 The customer is stating that chase is redlining and that we are keeping black men particularly from education, owning homes and equality.
JPMC representative contacted the customer and thanked him for taking time to speak with me regarding his concerns. Advised that
we truly hear him and will be advising upper management regarding his complaint.
2022 1/18/2022
Chicago- 103rd & michigan: 1/18- branch closed for no stated reason, as it has been for a week; supposed to be open today. no money in
ATMs. situation has been deteriorating for months. recommend replacement of management and staff.
N/A Chicago-Naperville-Evanston, IL MD East 103rd and Michigan
2022 1/24/2022
Customer emailed an executive regarding recent branch closures in Fresno, California. The customer says for years, there have been branches
within 5-10 minutes of them but that two of them have closed. the remaining branch nearby always has long lines and the customer is
questioning the reasons for the closures. They also advised that they are contacting local media about the closures.
JPMC representative contacted the customer and spoke with him to get more information on his feedback to allow us to do internal
research on the reason for closures. Customer shared branch details. JPMC representative advised they would research and call him
back. After research was complete, JPMC representative called back and left a voicemail to thank him again for his feedback, shared
that this was a bank corporate decision and the findings remain internal. We do not currently have plans to add branches in Northwest
Fresno market. Additional branches are about 2-5 miles from the location that recently closed.
Fresno, CA MSA
2022 4/14/2022
The unknown customer posted a public complaint via Twitter against Chase claiming that, yesterday she went to a local chase branch to open
her first business account and asked information about resources the bank developed to support small business owners like her and she
ended up having to coach the bankers instead. customer is very unhappy with her experience at the branch claiming that she left the branch
without an account, disconfirmed, tired, and reminded of the impact of social/racial injustice, hierarchy and barriers. & discrimination due to
race/sex.
JPMC representative contacted customer and left voicemail to apologize for recent branch experience, and offered contact
information in case the customer had additional questions or concerns. The customer was also contacted by branch management to
discuss her concerns.
Houston-The Woodlands, TX CSA Towne Center
2022 4/18/2022
Phone complaint from a customer. During that time their New York branch was closed and they had two safe deposit boxes that were closed
out and drilled. He requested that the contents be shipped to my branch in Tucson for pick-up. When he asked if he could open a new box, I
informed him that chase no longer provides Safe Deposit Boxes. He was upset to hear that especially since he is a Private Client and that he
was never informed from his New York branch. Because his SDB issue wasn't resolved with the last escalated complaint to BCEG he contacted
his old law group (we was a lawyer) and they told him how to file a complaint. he said he likes our branch here in Tucson so he filed the
complaint against the NY branch that gave him the wrong information. Original issue was the NY branch closed and told him he could come
into a local branch to open another SDB but we stopped offering them as a company. He is claiming that us not offering this service is an ADA
violation and that's how he filed the complaint. He did not say where he filed the complaint.
JPMC representative contacted customer to discuss his concerns and provide additional information regarding how to access the
contents of his safety deposit box.
New York-Jersey City-White Plains,
NY-NJ MD
2022 4/30/2022
I now live in helena, montana. i have had my, now chase, account since it was washington mutual, opened in eugene, oregon. i was pleased to
have a chase branch opening in helena. on two occasions, i have gone to the atm at this branch only to read a sign saying 'no funciona'. why is
this atm unusable
Hello [redacted], Thank you for contacting us. [redacted], we are sorry to hear about your experience in one of our ATM, Thank you for
your feedback. We will share it with the appropriate team. Rest assured that we are working on improving our services and we're
going to send a technician over to see and fix if needed the ATM location you have reported. We appreciate you as a Chase customer.
If you need to contact us again, please send a secure message. Thank you, [redacted] Chase Email Servicing
Helena, MT MiSA N Montana and E Custer
2022 5/17/2022
What did the customer tell you about their situation? The "Lakeshore East" (Address: 340 E Randolph St Chicago, IL 60601)
•Customer is not happy with her local branch closing on 06/04/2022
•She stated she has problems with her vision and she is elderly and walks using a walker to that branch and the other one is too far away for
her and she has to go up a hill and it’s too dangerous for her.
•Customer is asking for someone to review this decision as she is opposing to it. Customer doesn’t use technology for banking.
Branch Manager [redacted] advised that they spoke with the customer. The BM advised they apologized about the branch closing and
went over options of how we can help moving forward. The BM advised that she gave the customer her number if she needs any help.
Chicago-Naperville-Evanston, IL MD Lakeshore East
2022 6/6/2022
Customer stated she went to the Downtown Flushing branch to open a TRUST and POA acct. Customer says she has done this many times.
She says that the banker assisting her w/ the request was not familiar w/ how to do so. She asked him if she could use her computer while she
waited for him to call back office for help and he said yes. Customer says back office gave him completely wrong information. (banker had
phone on speaker) While customer was using her computer, she says that the assistant branch mgr. told her that she could not use her
computer. She did not like the way the Assistant Branch Manager approached her. Customer also stated that it's not right that not everyone
in the branch is a banker, like it used to be, not everyone has the same clearance. She said that this is in the Elmont branch, which is basically
in a minority neighborhood. Customer says there is only one banker a week there that rotates and it's in a black neighborhood that's being
redlined. She stated that this branch also does not appear online when an appt. needs to scheduled. She has to get in her car and drive to the
branch to schedule an appt.
JPMC representative contacted customer to apologize for experience. Advised that JPMC takes complaints that claim discrimination
seriously. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture.
Customer thanked representative for the call.
New York-Newark, NY-NJ-CT-PA CSA Union Take and 188th St
2022 6/30/2022
I have been a Chase Bank Private Client customer since 2018 with a JP Morgan portfolio. I am a satisfied customer but unable to understand
why a highly competent and powerful organization such as Chase Bank cannot successfully manage fixing and replacing its only kiosk in west
Olympia, WA.
I am referring to an inoperative Chase Bank kiosk located at 400 Cooper Point Rd SW, Olympia, WA 98502 in Capitol Village Shopping Center.
The kiosk malfunctioned many times in the past year and the new one is worse because it is out of service for days or even weeks. (Or at least
whenever I drive up to use it.)
If I had my way, I would get rid of this kiosk and put a different one in a much better location in west Olympia. Access to this kiosk has always
been difficult because of its location. To reach it, drivers have to make twists and turns in a poorly designed parking lot on a slope. When the
sun rises, it reflects on the kiosk touch screen making it difficult to read. When the driver rolls down their window next to the touch screen,
there is no protection from the rain coming into their vehicle. It rains 52. 7 inches annually in Olympia, WA compared to 38.1" national
average.
There is no Chase Bank in west Olympia where I live. I work full-time at home so I don't like losing time and gas money traveling 4 miles round
trip down a steep hillside to the nearest Chase Bank and nearest kiosk at 825 Capitol Way S, Olympia, (360) 754-4280.
I use all of the tools Chase Bank has given me to prevent me from having to use a kiosk. If your kiosk problem continues, my only other option
is to open a checking account with Bank of America for the purpose of making cash deposits, and then use Zelle to transfer money from B of A
to Chase Bank.
Thank you in advance for your attention to this matter.
[redacted]
JPMC representative called customer and stated that they appreciate them taking the time to tell us about this issue with the ATM and
apologize for any inconvenience this may have caused. Explained that we found that this ATM has ongoing issues but we are working
with our vendor to troubleshoot the issue. As of 7/22 the issue was resolved and the ATM is back online. At this time we do not have
any plans on replacing the ATM, adding anti-glare or rain protection or moving the ATM but we thank you for your feedback and have
shared your feedback with senior management.
Seattle-Tacoma, WA CSA
2022 7/13/2022
Banker called in stating that the customer is calling in representation of retirement community and want to protest that the branch is closing.
Customer called in stating that we are closing the branch located in 1921 W San Marcos Blvd. Ste. 170 San Marcos, CA 92078. He stated that
he is calling on behalf of the retirement community and this branch is so important to them because it makes it easily accessible for the
people that can't drive or have access to online to simply walk to the branch and get assistance. Customer stated this branch has been there
for over 20 years and he want to know why branch is closing and if there isn't anything they can do about it then they would like to at least
have an ATM near to be as accessible to them.
JPMC Representative called customer and advised that the branch is closing due to a natural lease expiration this year and there are 5
other Chase branches within a 5 mi radius of the closing branch. Explained that there are no exceptions to be made at this time to
keep the branch open. There is a drive up ATM and walk up machine in near distance to the closing branch.
San Diego-Chula Vista-Carlsbad, CA
MS
San Marcos West
2022 7/18/2022
I am a very long-time chase customer. my local chase branch closed a few weeks ago and told me i had to move my safe-deposit box contents.
now i am trying to find where to get a next safe-deposit box, but your central phone office says they can't tell me what nearby branches
would have those boxes or whether it will still be free or how much it will cost. so i've looked up the nearest other branches, but the websites
give no answers, and if i call the branches local number it just gets picked up by the central call center. they have told me they could get me
through to the local branch by transferring if i was willing to wait, but then every time it rings for a while and then a recording says they're
busy and hangs up. meanwhile my valuable documents are vulnerable. what kind of customer service is this? can you help?
N/A
2022 7/29/2022
San Marcos West branch is scheduled to close 9/12/2022. Client says this is the only branch close to them. They are elderly and live in a
mobile home park close to the location and there are many others who will be burdened by traveling to the nearest branch.
JPMC representative contacted the customer and left a message to advise that we cannot leave an ATM at that location. Advised there
are 2 ATMs within 2 miles that have ample ATM capacity. Apologized that we were not able to accommodate her request and
provided contact information.
San Diego-Chula Vista-Carlsbad, CA
MSA
San Marcos West
2022 8/2/2022
Customer is upset that he has no access to ATMs in downtown Chicago due to doors being locked for branch locations where ATM is at the
entrance before lobby entry way. Customer stated all locations in downtown are locked putting his safety at risk because he needing to make
cash deposits after work shift. States he’s at risk to be robbed with hundreds dollars of cash on him, and he wants the name of the person
whom made this decision as he was informed this was a corporate decision by branch.
JPMC representative contacted the customer and apologized for any inconvenience the changed has caused. Assisted with locating an
accessible ATM after hours and informed customer of ATMs within 3 miles of their workplace.
Chicago-Naperville, IL-IN-WI CSA
2022 8/5/2022
Chase is a bank with racist practices. They need to do more for the Black community, not Brown, but Black. She said Chase was built on the
back of Black people. All of the branches and ATM's have been moved out of my community, the poorer communities (customer lives in
Berwyn, IL)" She said she has been with Chase for years and now she will have to find another bank.
JPMC representative contacted the customer to discuss concerns and advised that her deposit has not been placed on hold and is
available for use. Customer states she made the deposit on Saturday and the money was not available until Tuesday. I informed that
whenever a deposit is made on the weekend, the system will recognize the deposit the next business day Monday and funds are
available that Tuesday, but if you make the deposit Monday-Friday funds are typically available the next day. Customer also provided
feedback of past experiences. I apologized for the past experiences and advised her feedback will be documented.
Chicago-Naperville, IL-IN-WI CSA
CRA Public File Written Comments 2022
JPMorgan Chase Bank N.A.
New York-Jersey City-White Plains,
NY-NJ MD
2022
7/12/2022
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about the closure of our ATM located at 2898 Broadway. Thank you for sharing your concerns.
2022
2/23/2022
We note, with concern and dismay, the closure of ATM banking at 2898 Broadway at the southeast corner of Broadway and W.113th Street.
Do you know the status of this ATM facility? Why has JPMorgan Chase Bank closed this ATM bank? When can we have it back? Our actual
human teller branch has no information about this loss of service. Likewise our "customer escalation" request has been no help. The 2898
JPMC representative contacted the customer and advised we take complaints that claim discrimination seriously. We do not tolerate
any form of discrimination as it is strictly against our policy and contrary to our corporate culture. Advised that we have consolidated
branches in the area and apologized for the inconvenience. Advised we did leave an ATM vestibule until the lease expires in Aug 23.
Advised there are no additional plans to open or close in the area at this time. Advised we have shared his comments regarding the
ATM not dispensing $10's. Thank him for his feedback. We also continue to be the only major bank with more than one location in the
area.
New York-Newark, NY-NJ-CT-PA CSA
Customer sent two emails to Jaime Dimon:
Jamie Dimon (ceo,cfo) Chase Bank,
Dear Sir,
I have been a resident of Queens for over 36 years and I have seen the decline of "Chase Bank" access to the three contiguous neighborhoods
of South Ozone park (43,547 pop),Richmond Hill (16,630 pop) and my neighborhood of Woodhaven (38,382) = 98,559 people. The figure
stated does not include all the commercial businesses in the neighborhood that provide food, general services,personal services, repair
garages,collision shops and their personnel who may want to have checking accounts or maintain accounts to cash their paychecks.
Chase bank has removed support from our neighborhoods by closing a branch located on Atlantic avenue between 102h st and 104 street.
The location is a large commercial strip mall which is very busy with doctors offices,Rite Aid drug store and Dunkin Donuts and others. The
branch had two officers and three ATM machines with parking which is a very small commodity in our neighborhoods! The branch located at
Forest parkway is overburdened and too small to accommodate the large populations of our neighborhoods. There was a satellite branch
located at 89 st and Jamaica Avenue which had two officers and four atm machines which is now reduced to only one machine! I attempted
to use it but when I went in the machine display boldly stated it could not accept cash deposits,give cash,or transfer funds to another
account. I guess it could give me balances on my accounts! The branch manager "[redacted]" at Forest Parkway branch is very accommodating
but the branch is always swamped with people. Chase does have another branch located at 114th street and Jamaica avenue which is very far
from my house to get to although they do have more atms there. An additional gripe I have with Chase bank is that the machine distributes
no ten dollar bills Hundreds yes but not tens. I find very few people or stores that will change out a hundred dollar bill and I don't have the
privilege as you may have of going out for several hundred dollar meals!
Lastly,I have been a customer of Chase bank since the early 1970's when it was known as Manufacturers Hanover bank in Brighton Beach
Brooklyn and later at number one World Trade Center. It has been very disappointing to see the slow degradation of services and
accommodations that were offered to those that are offered now.
Yours truly,
[redacted]
Additional email:
As an afterthought I am thinking that the closures and loss of service may be an attempt at "RED LINING OR RED ZONING WHICH CAN ONLY BE
DEMONSTRATED by how many (if any loans) are provided by the Chase bank to our community?
2022 8/24/2022
Customer email sent to Jaime Dimon:
Hi Jamie,
My name is [redacted] and I've lived in Paradise California since 1984.
I'm sure you heard of our fire on November 8, 2018 that destroyed 95% of our town. Fortunately your Paradise branch didn't burn down. We,
all who bank there and the town, were so grateful when your branch reopened up. Making it feel just a little bit like home again. You were
there for this town after this devastation. You helped bring some normalcy to us all. Even those that don't bank with you. It helped to see a
business return. Showing that you still believe in our town. You closing our branch is a big mistake. We are coming back. We are returning to
our home. People are rebuilding. Progress is here and more is coming. The employees that work I Paradise will now have to commute to Chico
or Oroville which is about 30 minutes in either city. Is it possible to just down size, open a satellite branch something, that shows us that you
care about your customers here in this once destroyed town. That you stand behind us as we rebuild, return ad survive. I know financially
things are bad all over, but you closing the Paradise branch is making it even harder for us. After what this town has gone thru, having to
worry about one more thing is just heartbreaking for us all. Please please please try and see if there is any way to keep your financial institute
in Paradise California.
Thank you for taking the time to read this.
Hopefully it will help you to change your mind.
Sincerely,
[redacted]
JPMC representative contacted the customer and advised that I had escalated her request and let senior management know of her
comments and concerns; however the decision to close the branch in December remains in effect. I also advised that we were leaving
an ATM so deposits could be made or cash withdrawn. I confirmed her nearest branches were in Chico and she was aware of this.
[redacted] said the town was coming back and businesses and the population were growing and in a few years we would maybe want
to open another branch. I apologized that our response was not what she wanted and wished her all the best.
Chico, CA MSA Paradise Clark Rd
2022 8/29/2022
I DID NOT LIKE BEING EVICTED FROM MY SAFE DEPOSIT BOX 1478 THAT I HAVE HELD THERE FOR 45 YEARS. NOW I HAVE NO WHERE TO STORE
MY VALUABLES SINCE THEY ARE CLOSING ALL THE DIFFERENT BANKS BRANCHES LIKE THE CHASE BANK HERE IN TROTWOOD, AND THEY ARE
ALSO CLOSING ALL THE FIFTH THIRD BANKS IN THIS NORTHWEST AREA OF DAYTON OHIO, ARE YOU ALL RED-LINING THESE AREAS BECAUSE
THEY ARE MAINLY OCCUPIED BY BROWN/BLACK AFRICANS WHOM YOU MAY THINK ARE ALL CRIMINALS? IF NOT, IT SURE AS HELL LOOKS
THAT WAY TO ME YOU DISCRIMINATING NO GOOD [expletive]. I HOPE THE BLACKS GET SOME PROOF ON YOUR RECENT UNETHICAL BUSINESS
DEALINGS, AND BOYCOTT OR SUE YOU’RE [expletive] OFF YOU DIRTY NO GOOD SHYSTER [expletive].
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about the closing of your safe deposit box, the closing of our Salem Trotwood branch, and your
service experience. Thank you for sharing your concerns.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it is strictly against our policy
and contrary to our corporate culture.
We are working on a new branch location, but we do not have an estimated date of completion. We no longer offer safe deposit box
rentals at any of our branches. We apologize for the inconvenience this has
caused you.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number [redacted]. We
accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
Dayton-Springfield-Kettering, OH CSA
2022 8/30/2022
Customer email sent to Jaime Dimon:
We are long-time customers of Chase Bank. We held a mortgage and performed our day-to-day banking with Chase for
many, many years.
I have three issues that need your attention.
1. Recently my husband’s credit & ATM cards were stolen twice within a 60 day period. We have had to request replacement cards from B of
A, Citi, Am Ex & Capital One, as well as Chase. New cards came from each of the other issuers within 10 days. My husband has now been
waiting 20 days for a Chase replacement ATM card. When the first incident occurred, we also waited an inordinate amount of time for a
replacement ATM card. Please explain why, when other banks can readily and quickly send replacement cards Chase does not seem able to do
that.
2. Another issue that needs your attention is scarcity/lack of branch and ATM locations. We currently are residing in Buffalo, New York as
seasonal residents. We cannot comprehend why Chase does not have an ATM location in Buffalo, New York or a suburb. We have been told
repeatedly that we must go to Rochester, New York about 65 miles away to actually use our ATM card and/or get a pin issued to us. The
mystery to me is that Chase is a New York State-based bank with no branch or ATM locations in Western New York. Please explain.
3. We are being charged a $4 fee each time we are forced to use a non-Chase ATM to get cash. I ex- pect all the fees to be waived. The CSR’s I
have spoken with refuse to waive those fees. The last four digits of our checking account are: [redacted].
Seriously Dissatisfied,
[redacted]
JPMC representative contacted the customer and verified that the previous request to maintenance his card after card reported stolen
was only to close his card and no new card was issue due to a recent address change. We confirmed that the customer was directed
to the branch due to a recent address change made to his account.
Buffalo-Cheektowaga-Olean, NY CSA
2022 9/7/2022 Why is the morgan hill ca branch closed and when will it reopen? N/A
San Jose-San Francisco-Oakland, CA
CSA
Morgan Hill
2022 10/3/2022
No option for complaint!! i have been a chase customer since 1998, and will not be one much longer. 1. my local branch closed, the next
closest branch is closed on saturdays! 2. charge fee to transfer money from checking to savings after 3 withdraws. 3. none of your call centers
that i talk to are in the united states.
N/A
2022 10/4/2022
Your options for anything relating to my concerns list should include other as options. I live in Harlingen, TX 78550 where there are No Chase
Banks nor Chase ATM. My nearest Branches are Brownsville, TX and McAllen, TX. Between 30-45 min away each depending on traffic. Also
with has prices makes it more difficult sometimes I want to close my account due to not me wanting to use other apps to deposit money such
as Cash App to add funds to my account or wait on transfer money on apps. Harlingen, TX is between many city's residents that would make
new and current residents bank with Chase. Majority of this Area banks with Wells Fargo, Bank of America and the not The Well Known Banks
to say there not as Iconic as Chase with many Banks With Historical Ages of being Around. Been years I been with Chase would love to have
you in my community near me with expanding to many branches around to not traveling basically an hour or more total to do business in
Banking in Person. Maybe I need to Do a petition or something I'm not into that so I speak directly to You or You All how we say it in Texas. Be
kind to get this message to the CEO. Basically please Build a Chase Bank in Harlingen, Tx 78550. Banks are like trees branches money to build
their Roots for History
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about our branch locations. Thank you for sharing your concerns.
We appreciate the feedback you shared about opening a branch in Harlingen, TX and have forwarded the suggestion to the
appropriate parties for review.
We are sorry to hear you would like to close your account. If you still want to close your account, you may call us at 1-800-935-9935 for
further assistance.
If you have questions, please call us at 1-877-805-8049 and reference case number [redacted]. We accept operator relay calls. We are
here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
Brownsville-Harlingen-Raymondville,
TX CSA
2022 10/11/2022
Customer letter sent to Jaime Dimon:
Dear Mr. Dimon,
We are VERY disappointed to learn that Chase is closing its only branch in Paradise, CA. My wife and I are CPC clients and do all of our personal
banking for ourselves and both sets of aged parents at this branch. Please reconsider this decision! The Town of Paradise is rebounding FAST
from the camp fire of 2018.
Sincerely,
[redacted]
JPMC representative contacted the customer and left a message. Advised we are responding from Chase in regards to the branch
closure in Paradise, CA. Thanked customer for taking the time share feedback with us. Apologized for the inconvenience the closing
has caused or will cause you. We believe every community is unique which is why we evaluate our branch network at a local level. We
are making adjustments to our branch network based on the changing market and banking habits of our clients. We want to serve our
clients more efficiently which includes some consolidations. Provided contact info for any questions.
Chico, CA MSA Paradise Clark Rd
2022 10/11/2022
Customer email sent to Jaime Dimon:
Dear Sir, I returned from a vacation and saw that the Chase Bank at 158 West 14th Street, NY, NY10011 had closed. I never received any
notification or letter about this. I have had many things of great value for several years in that box. I called the tel .number 1 (800)935-9935
and I was told to call another Chase bank, which never responds no matter what time I called, as the person, [redacted] , the agent at the 800
number told me to do. Today I was given an email to write to which informed me that it is no longer in service. HOW DO I GET THE CONTENTS
OF MY SAFETY DEPOSIT BOX RETURNED?? I beg you to inform me as soon as possible. I have always held the reputation of Chase in high
regard. I am a very worried customer. Gratefully, [redacted]
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about your safe deposit box. Thank you for sharing your concerns. We appreciate you taking the
time to tell us about our service. Your feedback helps us serve you better. Our goal is to provide you with exceptional service, and we
are sorry if we fell short this time. The branch where your box was located is no longer open. We sent three notices by mail to notify
you of the branch closing and your safe deposit box. Please visit any Chase location to initiate the reclamation process. If you have
questions, please call [redacted] at 1-877-805-8049, extension [redacted] and reference case number [redacted]. We accept operator
relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
New York-Newark, NY-NJ-CT-PA CSA Chelsea
2022 10/12/2022
Customer has escalated concerns of unfair treatment as the customer states the Chase ATM located at 9116 W Camp Blvd, Fort Worth, TX
76116- does not work on the weekend and she believes that Chase does not care because the ATM is located in a predominately African
American/ Hispanic neighborhood. The customer advised that ATMs located in predominately white neighborhoods work at all times.
JPMC representative contacted the customer and apologized for the inconvenience of the ATM being down sometimes, but let her
know that we do our best to service them in a timely manner and that there is another ATM 3 miles away at the Clifford and Western
Trade branch, that has 3 ATMs in the event the one she normally uses isn't working.
Dallas-Fort Worth, TX-OK CSA
2022 10/13/2022
Customer complaint to FDIC:
I was contacted by my brother [redacted] who stated he received a certified letter stating my long term bank was closing and I had to go into
the bank and pick up the contents of my safety deposit. I never received a call or a letter. I went to the bank, which had no customers, and
asked to retrieve the contents of my safety deposit box. I was told I had to make an appointment and to come back later. My brother was
contacted again and he advised I had until a specific date to retrieve my contents. I went to the bank again and was told my items had been
packed up and would be shipped to Houston Texas. I went to a neighboring branch and spoke with the babk manager who was very busy
taking selfies with her employees. I told her I was not contacted by the bank and wanted my contents. She was snippy, rude, and said I had ‘1
minute’ to talk. I told her I wanted to file a complaint, and was later sent an email about my recent visit to a bank in California. I was never in
California. I called the customer complaint line. I was called one time and I could not take that call as I was work. I then received a letter
stating they were closing my account. I tried calling the complaint line, left a message, and have never received a call back. I went to the bank
at 5:01pm and a bank person saw me arriving and locked the door. Due to my work schedule I knew returning at a later date would be
difficult. Even though the sign on the bank stated they closed at 6:00pm, they would not help me. Two weeks ago, I received one call from the
neighboring bank brand who said I had until Friday to pick up the contents of my safety deposit box. I went to the bank, was TOLD to sit
down, which I didn’t do, due to a physical issue. The bank tellers were sneaking around the vault and finally brought out an opened box with
my contents. I was not asked for identification. I looked at the contents, was told I had to sign a Pepe, which I did not do, and left. The bank
manager was screaming like her hair was on fire, ‘call global security!, call global security’!! These employees were nasty, rude and had no
consideration for my disabilities or that I have been a very long term customer for many, many years. This weekend I tried using my debit
card, without success, and after two phone calls and being on hold for 29 minutes, was told my account had been reviewed and was closed.
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about your safe deposit box, accounts being closed, and service experience. Thank you for
sharing your concerns.
We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to give exceptional
service, and we are sorry if we fell short this time.
As your bank, it is our responsibility to ensure you, as well as our other customers, receive quality service and have access to the tools
necessary to meet your financial needs. While we certainly appreciate you taking the time to make us aware of your concerns, we are
sorry to hear of the difficulties experienced. We confirmed we sent letters to the address on file for you about the Kingsgate branch
closing and to make an appointment to get the contents from your box; however, the letters were returned. The box was drilled and
closed on July 12, 2022, and the contents were sent to a secure vault. We received the request to return the contents and shipped
them to the branch on August 1. You declined our request to sign a form to acknowledge you received your contents. We did not
request identification from you during your visit because you are a known customer which means an employee can recognize you by
face and name. We take complaints regarding employee conduct seriously. We do not tolerate any type of behavior that is contrary to
our policy and corporate culture. We closed your account. Once an account is restricted or closed you are not able to use your debit
card. The Deposit Account Agreement allows us to decline or prevent any or all transactions to or from your account and it also allows
us to close an account, other than a CD, at any time for any reason or no reason without prior notice. You were given a copy of the
agreement when you opened the account. You can see the current agreement on chase.com.
We closed your account because of inappropriate conduct with our employees. Our decision will not change. On September 30, we
mailed cashier’s check number [redacted] for $[redacted] to the address we have on file for you. Please let us know if you did not
receive it. Your mortgage loan ending in [redacted] will remain open. We take complaints that claim discrimination seriously. We do
not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture. If you have questions,
please call us at 1-877-805-8049 and reference case number [redacted]. We accept operator relay calls. We’re here Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
Seattle-Tacoma, WA CSA
2022 10/14/2022
I moved to Galveston TX from Arlington TX after my husband died in 2019. I had accounts with Chase for 20 years and was very content. After
moving here I realized that there was only a Chase ATM here and no branch was rebuilt after the last major hurricane. I need a branch due to
some transactions I have to make. I have found that the other banks are awful to say the least. Crazy and ridiculous fees and the online
banking is a joke. It’s easier to go online to each individual company to pay bills. I.still my Chase credit card but I had to change my checking
and saving accounts. I am on my hands and knees begging for a branch to be built closer to Galveston. The online everything about my
current bank is a far cry from what Chase offers. The customer service is short and not pleasant. Even Texas City or LaMarque would be easier
than League City. Thank you for reading and please consider for all of us here wanting a REAL bank to trust with our funds and livelihood.
JPMC representative contacted the customer and thanked customer for their feedback. Informed customer at the present time we do
not have plans to expand our branch network further south from the Houston metro area. Our Bay Colony branch (1751 W FM 646 Rd,
League City, TX) will remain as our closest branch to Galveston, and is approximately 20 miles northwest. Customer stated they
appreciate us documenting their feedback. Thanked customer and ended the call.
Houston-The Woodlands-Sugar Land,
TX MSA
2022 10/17/2022
Customer email to Jaime Dimon:
1350 E Algonquin Rd, Algonquin, IL 60102 Is closing tomorrow. It was a very busy, very friendly branch. No reason given. It was also
conveniently based across from the Jewel/Osco I frequent. A five minute or less ride from my home. Now I am 10-15 minutes from one
branch and 20 minutes from another. The one listed in Carpentersville IL has a bad reputation for very long lines and hostile employees. Did
anyone think sending people out of their way to hostile branches was a good idea? Especially since many of the people in this area are older
and the Algonquin Branch was so convenient. Why didn't you close the branch in Carpentersville instead? There isn't even a drive thru
located in the area. I came to chase because I had very very bad experiences with other banks. I've been with Chase about 15 years. Now I
have to decide whether the inconvenience is worth it. It might be a good idea next time to send out a questionnaire to the customers before
closing their branches. It really isn't good for business to leave customers hanging.
JPMC attempted to contact customer; however we did not receive a response. Feedback was provided to our real estate group. Chicago-Naperville, IL-IN-WI CSA Algonquin
2022 10/25/2022
Customer complaint: Reparations for the blacks affected by state sanctioned terrorism - Cease predatory loans and other means of redlining -
Reparations for families who were conned out of thier homes - Divest from THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT
CRIMINALIZE THE BLACKS - REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC - REPARATIONS FOR DESCENDANTS OF
AFRICANS WHO WERE ENSLAVED IN THE U.S. - CEASE SABOTAGING BLACK WEALTH - REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR
INSTITUTIONS PRACTICE IN BLACK COMMUNITIES - MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY
THE BLACKS EMPLOYMENT OPPORTUNITIES - AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
- CEASE FINANCING CORRUPT POLITICIANS LIKE kdeleon gilcedillo & POLICIES THAT CONTINUE TO OPPRESS #THEBLACKS
#ENDBLACKERASURE#ENDGENTRIFICATION#REPARATIONSNOW.
No response, unable to locate any identifiable customer information.
2022 10/26/2022
Dear Mr. Dimon:
I thought you should know about the deterioration of service at your branch in Sun City Center, Florida, the senior-age community where I
live.
The ATM machine in the vestibule is rarely operative, so I've been forced to use one of the two ATMs inside the bank to withdraw money or
transfer funds between my checking and savings accounts. This means, of course, that I can only bank between 9 am and 3 pm.
But the last three times I've attempted to use an indoor ATM, something has gone wrong. Today, after entering my pin number and clicking
on "QUICK CASH $500," the machine proceeded to make the usual whirring noise, as if my withdrawal was being processed. The ATM told me
to "take (my) card," but it wouldn't produce the $500.
I was clearly frustrated, because of all the earlier trouble I'd gone through, just to conduct normal banking business. A teller came out to help
me, but when he went through the same process, the machine wouldn't cooperate. Eventually a message appeared on the screen ... "WE'RE
HAVING SOME TROUBLE." So he told me to come over to his window.
"Had the funds been subtracted from my balance?" I wondered. The teller then asked me for my debit card AND MY DRIVER'S LICENSE.
Suddenly I was being treated as a stranger, all because the ATM machine inside the bank had failed to function for the third consecutive time.
I happen to be a licensed driver (many 81-year-olds no longer drive), so I was able to produce it for him. What would have happened, Mr.
Dimon, if I hadn't driven to the bank, but had come by taxicab? Would I have been told to bring in my passport, just to prove my identity?
I got my money. I then asked the teller to open the door to the restroom for me. "The public isn't allowed into the restroom, except in an
emergency," I was told without an apology. "What constitutes an emergency?" I wondered. And how did my status change from regular
customer of the bank to an anonymous member of the public?
My great-grandmother was J.P. Morgan's second cousin. I wonder what he would have told her if her banking experience had been the same
as mine. I'm sure she would have told him that in a senior-age community, putting restrictions on a bathroom is contrary to common sense,
and even a possible health hazard.
Yours truly,
[redacted]
JPMC representative called customer and apologized to the customer for the poor service experience and thanked the customer for
banking with Chase.
Tampa-St. Petersburg-Clearwater, FL
MSA
Sun City Center
2022 10/29/2022
Customer compliant: Thanks for reaching out. I will speak to my husband and let you know about coming in. However I would like to inform
you that I am skeptical about investing large sums of money with Chase due to redlining behavior that we experienced in the past by Chase
Bank. Our experience was echoed by other wealthy family members with excellent credit who are POC like us. Has Chase Bank taken any solid
steps to rectify their racist practices? Our experience dates back about 5 to 6 yrs ago
JPMC representative contacted the customer to discuss concerns. Customer shared details of poor prior experiences with the bank
and concerns about redlining. Advised customer this will be logged as formal complaint/feedback due to the experience they had 5-6
years ago.
2022 11/23/2022
Customer email to Jaime Dimon:
Good Morning Jamie, Hope you are well ..I'd appreciate your assistance...I've sent several E Mails to [redacted] with no response, As the
retired EVP @ one of NYC's Major Org.,as well as life long customer...I would have expected the courtesy of a reply. Thank You & Best for the
Holidays [redacted] Good Afternoon [redacted], Hope you are well. I'd appreciate your assistance. I'm the retired EVP @ JWiz/NYC,As well as
long time customer..My local branch (above)is set to close...We were given sufficient notification...I presumed in the interim, the 2 auto
tellers in the lobby would be operable...Both have very limited services (ONLY able to deposit check, pull up balance) This causes a significant
inconvenience..If you OR your colleagues could kindly look into this situation. Thank You & Best for the Holidays [redacted]
JPMC representative contacted the customer via letter.
Dear [redacted]:
We are responding to your complaint about the limited service with the ATMs at the Lindenwood shopping center. Thank you for
sharing your concerns. We confirmed the ATMs at the Lindenwood shopping center are currently operational. We appreciate you
taking the time to tell us about our service and we thank you for being a long time customer. Your feedback helps us serve you better.
Our goal is to provide you with exceptional service, and we are sorry if we fell short when you visited our ATM. Thank you for banking
with us. If you have questions, please call us at 1-877-805-8049 and reference case number [redacted]. We accept operator relay calls.
We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
New York-Newark, NY-NJ-CT-PA CSA Lindenwood
2022 12/5/2022
Client's branch closed and the partnership that Chase had with organization, including paying dues and joining Board, has ceased. Client
unhappy and is considering leaving Chase.
N/A Detroit-Warren-Ann Arbor, MI CSA
2022 12/6/2022
Customer email sent to Jaime Dimon:
Dear Mr. Dimon,
I want to bring your attention to the fact Chase Bank has made a huge mistake in Laguna Beach California. One that may likely cost you
customers. Not only many Laguna Beach residents and Chase customers were happy that Chase finally opened a branch downtown Laguna
Beach at 310 Broadway, Laguna Beach. This was brilliant as it was within a three (3) block radius of several competing banks. To offer
convenience for South Laguna Beach residents, Chase then opened a second Laguna Beach location, opposite Montage Laguna Beach, at
30912 Pacific Coast Hwy. (Chase Bank PCH and Wesley branch). While I realize that the pandemic forced many businesses to shelter, I was
shocked that Chase elected to permanently close the Laguna Beach downtown location. This is not logical or realistic to compete with other
downtown banks. Although very inconvenient, we journeyed south to Chase at 30912 Pacific Coast Hwy. However, I heard that you recently
closed that location permanently? You may not be aware that Laguna Beach is a global destination to nearly seven (7) million guests per year.
As a local Laguna Beach Chase customer, you now make it very inconvenient for us to do business with Chase. Sure, we could travel to nearby
cities, but why? I hope you will reconsider your presence in Laguna Beach, Otherwise, we are faced with closing our Chase accounts to allow
easy banking access in town.
Kindest regards
[redacted]
JPMC representative contacted the customer and thanked customer for sharing concerns about the closure of our branches in or near
Laguna Beach. We confirmed the branches were closed and this was decided on several factors that align with our business model. At
this time we do not have any plans to add a branch in Laguna Beach however every year we review with our real estate team and
discuss opportunities, recommendations and potential new builds. At this time the closest branches to your are the Crystal Cove
branch which is about 4 miles away and the Dana Point branch which is about 5.6 miles away. We apologize for any inconvenience this
has caused and we thank you for your feedback about our branch network.
Los Angeles-Long Beach, CA CSA
Broadway and Beach and PCH and
Wesley
2022 12/7/2022
Customer email to Jaime Dimon:
Jamie
Do you think it makes any sense to send a survey about a branch that closed long ago. All you have now are 2 ATM's.
Clearly someone at Chase doesn't get it.
[redacted]
JPMC representative contacted the customer and advised that we have received his email correspondence and will be addressing it
internally. I thanked the client for his time and efforts.
New York-Newark, NY-NJ-CT-PA CSA
2022 12/8/2022
Customer email sent to Jaime Dimon:
[redacted] and Chairman Dimon,
Thank you [redacted] for speaking to my daughter and I. Like [redacted], very respectful towards my family and your banks repeated errors
and trying to be helpful. Thank you.
Please respond to my email I believe back in August to Mr. Dimon as suggested by a banker and customer and it's status. Confirm Manager
[redacted] mistake and again [redacted], please:
1. provide written statements so I can confirm these are my charge's on my Chase southwest visa card.
2. work with your back office and please utilize the existing money of mine you still have to pay the bill, as I am traveling , as you know,with
out a secure computer. My credit rating,as reported by chase has been outstanding and I want to preserve it. I also do not want to pay for
travel to see you. Today was confusing on that.
Finally, Mr. Dimon, my health advocate and doctor's instructed me and your bankers every time we met to provide written summaries and/or
specific requests we made for mine and my families situation. Numerous times your employees point to compliance policy and regrettably
apparent discomfort in doing so. That is not reflective of the leadership style I recount in your long term financial services presence. Since it
appears your employees maybe uncomfortable Can you send me or approve a written explanation of my specific requests? If you would like
to address the situation you have in Chesterton, Indiana( ie closing the bank, etc..)That would be appreciated by the long term residents who
placed trust in Chesterton State bank for 50 plus years, many that I referred.. I also believe CFP employees would want to know as well JPM
intentions. I was very confused when a long term CFP of yours said they were a" limited CFP". Please clarify that as well.
[redacted] has all of my correct contact information as banker [redacted] did. She was outstanding.
Happy holidays sir, again thank you [redacted].
JPMC representative called the customer on the numbers on file. Left a voicemail, apologized for the inconvenience, and provided
information on how to make payments.
Chicago-Naperville, IL-IN-WI CSA
2022 12/9/2022
Initial Social Media message from customer: Lies lies
JPMC follow-up message: We saw your comment on our post and would like to discuss this further. Could you provide your full name zip code
and details as to how we can help?
Customer follow-up message: This is [redacted] Freedom holder. U guys move out of Deland . Screw all yall after using for 20 years. [redacted]
call me I'm available .I need. To drive 32 miles no so l don't do chase no more.????
JPMC representative contacted the customer and thanked the customer for providing that information. We understand your concern
with the branch closing and want to get you the best support. Some branches are temporarily/permanently closed due to
consolidation. You are able to view our website online at https://locator.chase.com/ to find the next closest branch to you. Please
know that we have shared your feedback internally so that your voice can be heard
Orlando-Lakeland-Deltona, FL CSA
2022 12/12/2022
MY BRANCH CLOSED. DON'T WANT TO DRIVE SO FAR. THIS TELLER PUT A HOLD ON MY FUNDS AND, JUST LIKE I TOLD HER IT WOULD, THE
HOLD FELL OFF OVERNIGHT. HUGE INCONVENIENCE. CAN'T WAIT TO MOVE MY ACCOUNTS TO A BANK CLOSER TO HOME. CONVENIENCE NO
LONGER THERE
No response, unable to locate any identifiable customer information.
2022 12/13/2022
Good afternoon. My name is [redacted] and I am, for now, a Chase customer. I have remained a Chase customer for over 12 years because I
like the national reach and reputation of Chase. But I am seriously considering switching to my credit union or another bank for the following
reasons: 1. The decisions made by Chase bank higher ups to de-bank the Youngstown area have caused me to have to drive to another city to
do my banking. Yes, the city (Girard) is only 6-10 miles from my house but I do not like the fact that I cannot bank in the City of Youngstown.
2. The downtown kiosk is NOT convenient for me. There is zero dedicated parking, the ATM vestibule is often closed/locked on weekends
and, most annoyingly during the many downtown festivals we have in Youngstown. 3. The stand alone ATM that IS near my house is more
often than out of service. For almost 8 weeks this past summer, this ATM was not in service. The decision to remove the only other working
ATM on this side of town from the only other full-service branch was head-scratching. 4. Chase seems to be engaging in the time honored
tradition of banks red-lining urban, lower middle class areas from being banked . I have watched as each Chase branch in the city limits of
Youngstown was closed or downsized significantly. As a corporate giant, Chase ought to be embarrassed that they continue to perpetuate this
type of behavior. But also as a corporate giant, what do you care? You and the top brass just carry on making billions while I drive around the
city looking for an ATM that will work. My meager checking and savings will never put me in the HNWI status, but I deserve to have access to a
full-service, working bank in my neighborhood. Just like those in the suburbs do. I would like a working ATM in my neighborhood. I would like
one that is safe, well-lit, covered and WORKING. I would like to have a full-service branch on the Northside of Youngstown. I would like
Youngstown and it s residents to be banked like those in tony enclaves and other places. I m not rich. I m not wealthy. But I am a person who
deserves to be treated fairly and who deserves to bank with dignity. Thank you, [redacted]
JPMC representative contacted the customer via letter.
Dear [redacted],
First, thank you for being a Chase customer and for your feedback. I’m sorry that you’ve had difficulty in accessing your accounts here.
At my request, my colleagues have checked into your concerns, and I wanted to get back to you with what we’ve learned.
Like a number of banks, we have consolidated branches as customers have moved many of their transactions online, to the mobile
app, adopted direct deposit and used credit and debit cards more. For the same reasons, we have reduced the size of a number of our
branches; we simply don’t need as much space to serve customers now. We still have a branch in downtown Youngstown, and its ATM
is available 24/7. As with many downtown locations, there is limited parking there. We also have a branch in Austintown, but know
that isn’t as close to you as our downtown branch.
We found that there have been some service challenges at the Belmont Union Square ATM, though it has been available much more
than you indicated. We will continue to monitor that ATM for availability. Again, thank you for being a customer.
[redacted]
Head of Chase Real Estate
Youngstown-Warren, OH-PA CSA
2022 12/20/202
New York State Senate & Assembly Letter to Jaime Dimon:
Dear Mr. Dimon:
We represent the southwest quadrant of the City of Rochester in the New York State Legislature, and write regarding our concern about the
historic 19th Ward, an under-banked neighborhood, that previously had a Chase retail banking presence.
The New York State Department of Financial Services recently issued a report highlighting the continued racial disparities in mortgage lending
practices throughout the state. The report finds in the Rochester metro area, where 23.9 percent of the population is non-white, on average
lenders make 11.32 percent of their loans to borrowers identifying as people of color, less than half of what would be expected based solely
on population demographics.
With the recent closure of your branch in the area, there is a banking dessert in the 19th Ward, located in the 14619 zip code. The only
remaining banking available is inside of a grocery store and does not offer 24-hour access to an ATM. There is an opportunity for Chase to help
solve this problem by reopening a branch in a new location in SW Rochester.
The 19th Ward is a historically African-American community, but today represents one of Rochester's largest and most diverse
neighborhoods. This area is experiencing high rates of poverty and a lack of access to critical services; including food access, pharmacy
counters and financial institutions. Keeping a Chase banking presence in this neighborhood is essential and would provide much needed
economic opportunity.
Thank you for your time and consideration. We welcome the opportunity to discuss this further and offer ways we can be of assistance.
Sincerely,
[redacted]
JPMC representative contacted the legislators that sent the letter and advised that Government Affairs employee, [redacted], will
engage relevant local stakeholders and feed relevant information back to the JPMC Real Estate team. Government Relations to filter
communications to appropriate JPMC real estate team members and GR can also help facilitate connections to the Rochester
development company working on the redevelopment site so that we have a connection there when the property is complete.
Rochester-Batavia-Seneca Falls, NY
CSA
*Note: Portions of correspondence may be redacted to protect customer privacy
Year Comment Source
Comment Received
Date
Comment*
AA
(If known)
Branch
(If known)
2022
TWITTER 1/2/2022
@Chase 6 atms but only two consistently work in a buzy underserved community. Do better ASAP. This is Burnside in the #bronx and you do your
#CustomerService like this?
New York-Newark, NY-NJ-CT-PA
CSA
Burnside Ave
2022 TWITTER 1/12/2022 @JillFilipovic @Chase What's up with Chase closing so many branches over the last several months? 3 have closed near me.
2022
TWITTER 1/19/2022
Does anyone know why @Chase keeps removing and not replacing public ATMs in Tulsa? I'm at the 2nd branch that has removed ATM recently, plus
one branch closing. Are they pulling out of Tulsa?
Tulsa, OK MSA
2022
TWITTER 2/2/2022
Yesterday we celebrated the ground-breaking of Alora, 100 affordable housing apartments in San Marcos! Thank you to all involved! @sanmarcoscity
@SanDiegoCounty @WNC_Inc @Chase @jim_desmond @DahlinGroup @bnbuilders @SDCountyHHSA pic.twitter.com/6f9WtW2WHY
San Diego-Chula Vista-Carlsbad,
CA MSA
2022
INSTAGRAM 2/4/2022
CRP Affordable Housing and Community Development (CRP) is pleased to announce financial closing on a new $73.98 million, 100% affordable
housing development in the town of Windsor in Sonoma, California. Once Shiloh Terrace’s construction is complete, it will provide 134 new, safe, and
affordable homes for families earning 30%- 70% of the local AMI.
Shiloh Terrace is primarily financed by 4% federal Low-Income Housing Tax Credits (LIHTC), State LIHTC, and Tax-Exempt Bonds. Shiloh Terrace was
also made possible through $3.9MM of funding awarded by the California Housing Financing Agency’s Mixed-Income Program (CalHFA’s MIP).
Thank you to our partners at CREA, Monarch Private Capital, CalHFA, and JPMorgan Chase Commercial Banking, who provided LIHTC equity,
permanent financing, and construction financing, respectively. Additionally, we extend our deepest appreciation to our valued partners at Studio T-
SQ, Central Valley Coalition for Affordable Housing, the Town of Windsor, and all others that have helped make this project possible.
#affordablehousing #housing #crpaffordable #california #californiahomes #housingcalifornia #housingamerica #housingforall #urbanplanning
#project #realestate #construction # #development #community #newhomes #sustainability #greenbuilding
Santa Rosa-Petaluma, CA MSA
2022
INSTAGRAM 2/16/2022
Are you looking to make better financial decisions this year but don't know where to start? If so, join us tomorrow (2/17) for our February Financial
Wellness Webinar with Alfonso Pearson, VP Community Manager at Chase Bank.
Alfonso “Al “Pearson is the Community Reinvestment Community Partnership Manager for the Greater Washington Region of JP Morgan Chase. He
delivers Community Reinvestment Act (CRA) eligible community development (CD) services largely focused on financial and homebuyer education,
technical assistance training, board and committee memberships, and other partnership activities in the bank’s CRA assessment areas. Al is also
responsible for nurturing positive relationships via a regular cadence of communications and outreach with CRA stakeholders (NFP organizations with
a CD mission, advocates, and governmental representatives) whose input is considered by examiners as part of the CRA examination process.
Be sure to click the link in bio to attend our webinar tomorrow evening at 6:30PM EST for invaluable insight on your financial journey!
#financialwellness #financialfreedom #creditjourney #creditmatters #jpmorgan #jpmorganchase #oharadev #communitydevelopment
2022
INSTAGRAM 2/28/2022
Can we talk about our event on Saturday!!! We're debuting our partnership with Chase Bank!
Structural barriers in the U.S. created profound racial inequalities, made worse by the pandemic. JPMorgan Chase is committed to helping close the
racial wealth gap and driving economic inclusion by providing more opportunities for homeownership, access to affordable housing,
entrepreneurship and bolstering financial health. They pledged a $30 Billion Racial Equity Commitment AND WE HAD TO MAKE SURE THE
#BOSSTRIBE IS INCLUDED!!!
Don't miss the "Show me the Money" Workshop with Community Manager Tamara Suvil & VP SR Business Consultant Jumoke.M.Fagbayi-Butts as
we kick off our new partnership. They will be working side to side with TLAB educating about ways to get money for your business and walk you
through steps needed by the financial institutions . They'll also share will be different business programs,accounts, and credit cards that will
strengthen your business.
Don't Miss it! Boss Business Shower in celebration of you and your business. Saturday March 5th from 1pm-4pm at the Clubhouse in Montclair NJ GO
TO EVENT LINK IN BIO
Newark, NJ-PA MD
2022
LINKEDIN 3/3/2022
Atlanta is doing amazing things! Tuesday I was able to attend a conversation with our CEO Jamie Dimon and Atlanta Mayor Andre Dickens about
JPMorgan Chase & Co. investing $12 million into five organizations working to improve housing affordability in the Black, Hispanic and Latino
communities.
#housing #atlanta #community #communitybanking #jpmorganchase #jpmorgan #jpmc #chasebank #chase #latinoleaders #latinos #ceo #banking
Atlanta-Sandy Springs-Alpharetta,
GA MSA
2022
TWITTER 3/9/2022
Spent the morning at the @Bisnow affordable housing summit discussing @MayorBMScott's partnership with @Chase and key community partners
to support Black and Latina women developers investing in communities in West Baltimore! #mybmore pic.twitter.com/kOGnddizrh
Baltimore-Columbia-Towson, MD
MSA
2022
LINKEDIN 3/16/2022
Today was Vision Day for our Flagship Meeting St branch in downtown Charleston! I’m so proud of all they have accomplished and their doors aren’t
even open yet! I’m so excited to see the octagon light up our downtown market and to finally serve the downtown Charleston community!
Congratulations Melissa Matthew, MBA and Alfonso Hernandez on this historic event for Chase!
#chasebank #community #holycity #charleston
Charleston-North Charleston, SC
MSA
Meeting St
2022
TWITTER 3/17/2022
@Chase Why is it that I have NO access to 24 hour banking in East Harlem but the rich folk on 86th Street do? Sounds like discrimination to me!!! I
want my 24 hour banking access back!!!
New York-Jersey City-White
Plains, NY-NJ MD
2022
LINKEDIN 3/18/2022
JPMorgan Chase & Co.
Thank you for your intentional interest in providing solutions to impact the generational poverty, health, & social discrepancies in San Bernardino
City.
ONH is grateful for the invitation to be amongst a select group of change making organizations.
Mr. Brad & Mr. Jonathan we are thrilled with meaningful community partnership we have fostered over the past year & half. Our students gain so
much financial knowledge in your weekly financial literacy classes. THANK YOU.
Yesterday’s meeting hosted by JP Morgan & Chase Bank representatives throughout the Nation:
This is a closed door, invite only event that will provide a forum to hear from all of you on the topics of Financial Health and the needs of the
community. I (Mr. Brad) will be facilitating the conversation with the following 3 questions:
1.) What are the key issues black, Hispanic, and Latino consumers and small businesses facing today?
2.) What are the barriers to financial health you are seeing within the community?
3.) How can San Bernardino Chase Community Team collaborate with organizations to improve financial outcomes for our community?
Please come with thoughts on these topics and we look forward to hearing from all of you.
Fortunate to be with some dynamic organizations:
San Bernardino County Workforce Development Board
Uplift San Bernardino
Arts Connection, The Arts Council of San Bernardino County
The Black Chamber of Commerce I.E. #bccie
NPHS
Inland Empire Regional Chamber of Commerce (IERCC)
Young Visionaries Youth Leadership Academy
Riverside-San Bernardino-Ontario,
CA MSA
CRA Public File Comments Received via Social Media 2022
JPMorgan Chase Bank N.A.
2022
LINKEDIN 3/25/2022
So excited to be named a "Luminary Fellow" and be part of an amazing program and community!
The Chase for Business Luminary Fellowship Program
JPMorgan Chase firmly believes that individuals have the ability to be resilient. As a community, there is power to come back stronger together. The
Chase for Business Luminary Fellowship Program is supporting businesses owned or founded by women, awarding a total of 150 fellowships, with at
least 50% awarded to women of color.
This program gives fellows access to Luminary’s extensive global community, introductions, workshops, coaching, mentoring and The Luminary
Collective, a business marketplace. Fellows will also receive best-in-class thought leadership, opportunities and insights from our partner Chase for
Business.
JPMorgan Chase & Co. Luminary #fellowship #collective #community #empoweredwomen
2022
LINKEDIN 3/25/2022
Great time and important takeaways at the NEON Community Conversation. Warren McLean hosted the event, Harry Colbert Jr. moderated an All
Star panel with Daymond John, Chef Justin Sutherland, and Anissa Keyes, MA, LMFT, LICSW, RYT.
Thank you Northside Economic Opportunity Network (NEON) for hosting the event and demonstrating the impact your organization has in the
#community.
And thank you JPMorgan Chase & Co. for the opportunity to come together and help make a difference in the communities we serve.
Kevin Bumbernick Jacob M Derritt Tessa Eddy Daniel L. Hennen Michael Henson Phylicia Manley Pilar Macdonald Oppedisano David Rudolph Patricia
Shatek Joanna Trotter
#JPMC #JPMorganChase #Chase #ChaseBank
2022
INSTAGRAM 3/31/2022
Yesterday , NAHREP SAN DIEGO was presented with a PROCLAMATION AWARD by the CITY OF SAN DIEGO, on behalf of MAYOR TODD GLORIA! This
PROCLAMATION declares MARCH 30th, 2022 and thereafter, as NAHREP DAY!!! In addition, NAHREP SAN DIEGO’s “All About Housing & Access To
Affordable Mortgages” event was very successful, informative & resourceful, including a packed house! Congratulations to our PRESIDENT Angel
Ramirez, our VP Monica Vasquez and the entire NAHREP SAN DIEGO BOARD OF DIRECTORS & COMMITTEE MEMBERS!!!
Karla Poukkula Board of Director of Events 2019,2020,2021,2022.
Keep up the PHENOMENAL job!
#sisepuede
Today’s event would not have been possible without our esteemed sponsors! THANK YOU to our EVENT SPONSORS: Marco Morales
moraleshomeinspections, Jose Flores goldenlensmediasd, Luisa Ayala voices_for_children! Grateful for our host Max Zaker, President of PSAR
CHULA VISTA! maxzaker
GRATEFUL to our YEARLY SPONSORS that support us all year long! US BANK, CITI, CHASE, GG HOMES, ELITE ESCROW, RANCHO TED…THANK YOU!!!
usbank hg_618 citi checo_quero chase gghomessandiego nohemi_gghomes maly_elite_escrow cali_maly ranchoted
Join #NAHREPSanDiego & become a member today for only $49 a year‼️ http://nahrepsandiego.org/contact/
San Diego-Chula Vista-Carlsbad,
CA MSA
2022
LINKEDIN 4/1/2022
Congratulations to RCHDC on the financing closing for Siskiyou Crossroads, a new construction development in the City of Yreka, in California’s
Siskiyou County. The project will contain 53 studio, 1, and 2 bedroom apartments to be rented to special needs, homeless, and general low-income
households.
As County of Siskiyou's first project funded under the state No Place Like Home supportive housing program, the project is part of a regional strategy
for assisting unhoused residents with special needs throughout rural northern California. It includes 24 units specifically for special needs households
with wrap-around on-site supportive services provided by the Siskiyou County Department of Health and Human Services and RCHDC. The No Place
Like Home program was approved as statewide Proposition 2 in 2018 to fund permanent housing for individuals with mental illness who are
homeless or at-risk.
Merritt Community Capital Corporation is proud to provide $14.3 million in tax credit equity capital for this project. Thank you as well to our financing
partners at JPMorgan Chase & Co., the California Department of Housing & Community Development, and the Siskiyou County Health and Human
Services Agency. The project is expected to complete construction in late 2023.
“Rural Communities Housing Development Corporation is tackling the affordable housing gap with a new development that will help change the lives
of local low-income homeless, special needs and at-risk households in Siskiyou County who will live there,” said James Vossoughi, Executive Director,
Community Development Banking, Chase.
As California’s nonprofit housing tax credit syndicator, Merritt is dedicated to working with like-minded developers to implement solutions to the
state’s housing crisis, particularly those tailored to meet the needs of rural communities like Yreka.
Read more: https://lnkd.in/gaAkdpmE
Contact David Dologite - Director of Acquisitions to learn about Merritt’s equity solutions for your project.
#AffordableHousing #AffordableHomes #LIHTC #affordablehousingfinance #NewClosing #Housing
NM CA - Siskiyou County, CA
2022
LINKEDIN 4/1/2022
City of Portland, here we come!
I am excited to share that USA Properties Fund, Inc. is now #underconstruction on The Canopy at Powell, a 169-unit #affordablehousing #community
in #portland.
Entering a new #market is no small feat and we could not have this #project without our joint venture and #nonprofit partner, Trell Anderson -
he/him and Destin Ferdun at Northwest Housing Alternatives!
Huge shoutout to our team Darryl Briley, Milo Terzich, Sean Reynolds, Jori Henry and Darren Bobrowsky and development partners at MWA
Architects, Inc. and Walsh Construction Co. for bringing this deal home.
With $15.2M in #subsidy from the Oregon Housing & Community Services (OHCS), The Canopy will convert a 3.71 acre underutilized #commerical lot
into 71 1bds, 18 2bds and 80 3bds at 60% AMI along with a large community room, laundry rooms, bike storage, #office space as well as family-
focused resident services by Hacienda CDC.
Thank you to our lenders and investors at WNC & Associates, JPMorgan Chase & Co. and Banner Bank for partnering with us on this $64M project.
We are already working with Kenneth Verbeck, Sean Worl, Mike Tharp, Mike Holzgang at Colliers on our second project site!
#housing #multifamily #multifamilyrealestate #apartments #multifamilyhousing #oregon
Portland-Vancouver-Salem, OR-
WA CSA
2022
LINKEDIN 4/7/2022
NEW: Registration for the 2022 National #SmallBusinessWeek Virtual Summit is now open! The summit, co-sponsored by SCORE Mentors, will take
place May 2-5 and feature federal resources, educational workshops, networking, and more.
Register here: https://sba.gov/nsbw
We are sincerely grateful to our generous partners — who share our vision for a vibrant, prosperous, and connected Black and African American
small business community throughout California 🚀 America's SBDC Northern California SBDC NorCal SBDC Finance Center Oakland African
American Chamber of Commerce Blue Water Credit Rivermark Community Credit Union Chase for Business
San Jose-San Francisco-Oakland,
CA CSA
2022
LINKEDIN 4/8/2022
PARTY TIME! Willowglen Apartments, Burbank Housing’s newest #affordablehousing community in Rohnert Park had its ribbon-cutting celebration
yesterday! Leadership and Board Members from Burbank Housing were joined by officials from the City of Rohnert Park and residents of the new
apartments to celebrate this welcome addition to community.
Read our press release here! -> https://lnkd.in/gbxWRhse
The road was long to get to this point, but the partnership and determination by city officials, Penn Grove Mountain LLC, and Burbank Housing to
make this a reality was rock solid. With a combination of financing from Chase Bank and tax credits administered by the California Tax Credit
Allocation Committee (#CTCAC) and purchased by RBC as the project’s equity investor, the 36 units of Willowglen Apartments took shape and now
can be called home to over 60 people in southeast Rohnert Park.
A huge thank you to City of Rohnert Park Mayor Jackie Elward, Councilmembers Gerard Giudice, Pam Stafford, and Willy Linares for joining us and
speaking at this milestone. Thank you to Burbank Housing Board Chair Sharon Wright for her words of gratitude and hope for more ribbon-cuttings
on affordable housing in Rohnert Park in the coming years, and to Amber Florence, Willowglen resident, for her powerful testimony on the impact
affordable housing has had on creating opportunity and space for her family to pursue lives that are full.
Special recognition to Katarina Giudice, Field Representative for Congressman Mike Thompson, who joined for the celebration and presented a
proclamation of recognition to Burbank Housing for adding these 36 homes to Rohnert Park, and the opportunities they provide to families. It was
both an honor and a special surprise to us. We are grateful.
Thank you to Sally Tomatoes, Ellen Zalman-Rai at Clone Print, The Rental Place LLC, and ATL Events Inc. for their support in making this all come
together. It certainly takes a village!
Onward to the next!
San Jose-San Francisco-Oakland,
CA CSA
Rohnert Park
2022
INSTAGRAM 4/27/2022
Hey Everyone! I have a treat for you this Saturday April 30th!
💰💸💵
Money has always been a taboo subject due to the simple fact that many of us aren’t too aware on how to manage it and allow it to flow in. Well
thanks to the Chase Bank Crenshaw Community Center, The Michael’s Daughter Foundation is here to provide a FREE virtual and in-person Financial
Wellness workshop!
You’re invited to join us online and in-person to learn all about how you can step up your financial game! I’ll be there in-person on Saturday along
with our The Michael’s Daughter Foundation Board Members, Charise Sowells and Tyrone Davis. Jordan King of Chase Bank Crenshaw Community
Center will lead the workshop and we’ll have time afterwards to meet and greet, along with delighting in some light refreshments.
If you’re based in Los Angeles, swing by! If you’re unable to attend in person you can tune in virtually.
In person space is limited so sign up by April 28th to save your spot!
Sign up link: https://www.surveymonkey.com/r/MDFApril
Or click the link in my IG bio.
April 30th 2022
10 am - 12 pm
Chase Bank Crenshaw Community Center
4401 CRENSHAW BLVD, LOS ANGELES, CA 90043
See you Saturday!!️🎉🎈
#TheMichaelsDaughterFoundation #CieraPayton #tylerperrystheoval #theovalonbet #financialliteracy #financialwellness #wealth #millionairemindset
#community #losangeles #crenshaw #chasebank #Youthadvocate
Los Angeles-Long Beach, CA CSA
2022
LINKEDIN 4/28/2022
Luminary takes on Harlem in NYC as our second stop of our #InThisTogether National Tour!✨
In partnership with JPMorgan Chase & Co. and Chase for Business, we brought together women across NYC to advance, build, and “reconnect" with
one another.
We are in awe of how many incredible entrepreneurs, founders and business owners joined us yesterday wanting to learn, engage, and be part of
our growing community.
With workshops and sessions from our partners at Chase for Business, Verizon,
Indeed.com The Sasha Group of VaynerX and more, it was a day full of celebrating small businesses and building an empire! The day culminated with
a great panel of women entrepreneurs building their empires Teri Johnson of Harlem Candle Co. Chanel Cathey of CJC Insights and Seven Brown of
Luna Wellness, all based in Harlem!
Luminary works each day to build an ecosystem of women supporting women and we’re thrilled to have met up with current Luminary Members,
local business owners, seasoned leaders, and community builders.
We can't wait to continue our tour and celebrate the women of Washington D.C. in just a few weeks... stay tuned!🌟
#weareluminary #bealuminary #comesitatourtable #inthistogether #community #becomeamember #joinluminary #collaborationhub #resources
#careerdevelopment #smallbusiness #entrepreneur #founder #womenempowerment #womeninbusiness️ #inthistogethertour #luminarytour
#hittingtheroad #harlem #april27
New York-Newark, NY-NJ-CT-PA
CSA
2022
INSTAGRAM 4/29/2022
#FlashbackFriday to our #VouluntHero week when volunteers from chase came to our Clubhouse and made vision boards with our Clubkids! Not only
were they able to set goals but they also got the opportunity to lean about financial literacy!
#friyay #finacialliteracy #community #chasebank
2022
TWITTER 5/5/2022
We’re about to kick off the #NACEDAsummit! #CommunityDevelopment networks will explore strategies to advance prosperity in low-income
communities thanks to the generous support of @jpmorgan @chase naceda-summit.com pic.twitter.com/eRyzEkHmBT
2022
TWITTER 5/10/2022
On Monday, @JPMorgan @Chase announced it will more than double its original branch commitment in Greater Washington to more than 140
branches by the end of 2025, with 30% of branches in low- to moderate-income communities. @MayorBowser
Learn more: [bit.ly/37uhu4i] pic.twitter.com/strY01O6yz
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
LINKEDIN 5/11/2022
Please join us and others this Saturday, May 14 from 1-4PM at the Westgate Community Center (455 S. Westgate Avenue, Columbus, Ohio 43204) for
an Affordable Housing Resource Fair.
This event is presented by Michael Stinziano, Franklin County Auditor in partnership with organizations serving residents across Central Ohio. Please
feel free to reach out to us or one of the other organizations if you have any questions. Hope to see you there!
IMPACT Community Action Homeport Mid-Ohio Regional Planning Commission Homes on the Hill Community Development Corporation Columbus
Urban League Ohio Housing Finance Agency Kaleidoscope Youth Center, Inc. African American Male Wellness Agency Habitat for Humanity of the
Mid-Ohio Valley COCIC: Franklin County Land Bank / COCLT: Central Ohio Community Land Trust Community Properties of Ohio Management Services
Star House Homes for Families Community Mediation Services of Central Ohio Action for Children The Legal Aid Society of Columbus Franklin County
Office on Aging Lutheran Social Services North Community Counseling Centers CareSource Fifth Third Bank Huntington National Bank JPMorgan
Chase & Co. U.S. Bank Coalition on Homelessness & Housing in Ohio (COHHIO) Modcon Living Nationwide Children's Hospital YWCA Columbus YMCA
of Central Ohio
Columbus-Marion-Zanesville, OH
CSA
2022
TWITTER 5/12/2022
Chase To bad it @chase isn’t willing to help it’s customer during these times. Guess that’s the price you pay for living in a low income zip Code. #
@chase wouldn’t allow this to happen to it’s rich and powerful customer. That happen to be old white men
2022
TWITTER 5/12/2022
Chase Big banks like @chase taking advantage of low income buyers and minorities all to often. #we need financial equality.
Don’t let the big banks like @chase get away with these practices any more. We all deserve the same opportunities
2022
LINKEDIN 6/10/2022
Last night, I get to celebrate my passions and share what I love. Chase hosted a Financial Empowerment Workshop on Business and Credit at our
Chase Panorama City Community Branch. We get to celebrate Philippine Independence Day and share a little bit of the history of the Philippines, our
food, and our culture. Filipinos are the 2nd largest population of Asian Americans in the US and the largest overseas Filipinos. Greater LA is home to
more than half a million Filipinos.
Thank you to my amazing partners for making this event possible and a success! I deeply appreciate your partnership from the bottom of my heart.
Mabuhay and Salamat! 🇵🇭
Juliana Oceguera 🇺🇸 Jimmy Kim (Veteran) Juan Hernandez Nicholas Harrison Ellen C. Morales Lourdes Pelayo
Chase Chase for Business
Filipino American Chamber of Commerce of Greater Los Angeles (FACC-GLA)
#filipinoamerican #chamberofcommerce #community #workshop #financialempowerment #business #credit #aapi #asianamerican
Los Angeles-Long Beach, CA CSA Panorama City
2022
LINKEDIN 6/12/2022
The inaugural Home Buyer Workshop was a huge success with amazing feedback and turnout.
Participants were charged with the task of becoming homeowners. Thank you for your invaluable participation for inviting, speaking, sharing,
posting, texting and attending.
Thank you to our sponsor, Chase Bank. They are doing big things in the community. More to come!
#bfreespeaks #chasebank #goodintheneighborhood #thankyou #homebuyerworkshop #communityinvolvement #atlantarealestateagent
#atlantabroker #community #success #georgiarealestateagent
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
2022
TWITTER 6/13/2022
It's great to see others, like @CAHEC_Raleigh @Chase and @reinvestfund, investing in @dcck's #BringingTheKitchenHome campaign. I encourage
others to join me in supporting their zealous work to end hunger and poverty in our nation’s capital! bringingthekitchenhome.org/press-release-…
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
INSTAGRAM 6/13/2022
Project Hope Boston welcomed Sabrina Antoine Correia, Financial Coach and Vice President, Community Manager at chase, to lead a financial health
workshop for Project Hope staff. This two-part workshop titled, “Your Financial Journey” taught staff how to create a roadmap for their financial
future and explored how a savings plan can support their financial journeys.
This informative workshop helped not just Project Hope staff, but provided us with new tools and resources we are eager to share with program
participants to support their own financial wellbeing.
Our sincere thanks to Sabrina and Chase Bank for making this possible and for their dedication to improving the financial wellbeing of our
community! #financialhealth #community
Boston-Worcester-Providence,
MA-RI-NH-CT CSA
2022
LINKEDIN 6/21/2022
Luminary takes on Washington, D.C. for our third stop of our #InThisTogether National Tour!✨
In partnership with Chase and Chase for Business, we brought together women across D.C. to advance, build, and “reconnect" with one another.
We are in awe of how many incredible entrepreneurs, founders and business owners joined us last week wanting to learn, engage, and be part of
our growing community.
With workshops and sessions from our partners at Chase, Verizon, The Sasha Group and more, it was a day full of celebrating small businesses and
building an empire!
Luminary works each day to build an ecosystem of women supporting women and we’re thrilled to have met up with current Luminary Members,
local business owners, seasoned leaders, and community builders.
We can't wait to continue our tour and celebrate the women of Boston in just a few weeks July 11- 12!
Click the link to register for Boston today!
https://lnkd.in/gfK_ggfG
#weareluminary #comesitatourtable #inthistogether #community #womenempowerment #womeninbusiness️ #luminarytour #hitting theroad
#washingtondc #Boston
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
TWITTER 6/22/2022
We welcomed @NYCHousing staff for a tour of our recently completed Sunset Park Library Project!
This development replaces an outdated @BKLYNlibrary location & provides the first new affordable housing in Sunset Park in over 30 years. Thanks
to @nationalgridus @CapitalOne @Chase pic.twitter.com/nkH6dYUSh2
New York-Newark, NY-NJ-CT-PA
CSA
2022
TWITTER 6/24/2022
@Chase its common practice for businesses to make night drops of cash and checks. Why is @chase discriminating against business owners by
keeping atms closed in the upper west side?
2022
TWITTER 6/24/2022
@Chase if you close atms in any neighborhood no matter race or gender you are practicing discrimination by only allowing a certain customer access
their funds according to where they reside.
2022
TWITTER 6/29/2022
Thanks to @jpmorgan @Chase for supporting this paper in @sffed’s Community Development Innovation Review, “Addressing the Capitalization and
Financial Constraints of #CDFI Microlenders,” and helping to highlight the promise of @EBAFund. #EBAFund aspeninstitute.org/publications/a…
@Aspen_BOI
2022
LINKEDIN 6/30/2022
The OFN team recently traveled to Chicago to meet CDFIs in our membership and visit their borrowers. A few of our partners also joined us and had
the opportunity to witness how their investments in CDFIs generate economic opportunity for people and places that mainstream finance doesn’t
traditionally reach. Read more. https://lnkd.in/gR8xNBj3
Thank you JPMorgan Chase & Co., Woodforest National Bank, Wells Fargo, Neighborhood Housing Services of Chicago, Chicago Community Loan
Fund, IFF (CDFI), Community Investment Corporation, Allies for Community Business, Greenwood Archer Capital, and The Resurrection Project for
joining us!
Chicago-Naperville-Elgin, IL-IN-WI
MSA
2022
LINKEDIN 6/30/2022
What a day! It was so exciting to host the Central Valley Community Foundation Council of Business Sponsors back in person after two years to
discuss all things housing. Thank you, Jennifer LeSar, Mayor Jerry Dyer, Deputy Mayor Matthew Grundy & Urban Planner Dan Zack, AICP, CNU-A for
giving us a fantastic overview of housing priorities & strategies on a local, regional, and statewide level. Through these public and private
partnerships, we garner the leadership needed to overcoming barriers to equitable, affordable housing creating a thriving, healthy and vibrant
community for all Fresnans.
Our CBS Members also heard from CA FWD CEO Micah Weinberg about the ongoing CERF process and upcoming California Economic Summit
heading to Bakersfield this fall. Our CEO Ashley Swearengin is the Co-Chair of CA FWD and excited to see the summit come back to the Central Valley.
Thank you to our Council of Business Sponsor members who generously donate their time and funding to the impactful work here at the Central
Valley Community Foundation: The Wonderful Company, Wells Fargo, JPMorgan Chase & Co., Bank of America, Chevron , EECU Credit Union & Valley
Children's Healthcare.
#CVCF #CouncilofBusinessSponsors #CAEconomicSummit #FresnoHousing #FresnoDRIVE #DowntownFresno
Central Valley Community
Foundation
2022
LINKEDIN 7/2/2022
Last Thursday Chase for Business and inQmatic invited me to participate in a forum to share information about the Business service program
available at the New York State Department of Labor. Other knowledagable panelists were able to present about cyber security & protection for
small business, access to financial services, marketing among other interesting topics.
The presentations were made in Spanish. We were thrilled to learn from the attendees the importance of hosting more events like this one as many
people are not familiar with our no-cost services:
🔑 Tax Credits
🔑 Human Resources Assistance
🔑 NY Talent & SMART tools
🔑 Job postings
🔑 Apprenticeship Training
🔑 Shared Work programs
🔑 Labor Market Information and many more.
I also shared some tips to seek federal assistance!
2022
TWITTER 7/5/2022
@Chase #Arverne needs way more service than ONE atm machine! What’s your plans to service the community? Cc @JSandersNYC
@KhaleelAnderson @RepGregoryMeeks @QnsBPRichards
New York-Newark, NY-NJ-CT-PA
CSA
Arverne By the Sea
2022
TWITTER 8/5/2022
Awesome to see @jpmorgan @Chase on this affordable housing project. Literally about 100 yards from their commercial banking office and the state
capitol in Sacramento California.
#YIMBY @cayimby pic.twitter.com/W10yNa7do4
Sacramento-Roseville, CA CSA
2022
FACEBOOK 8/7/2022
direct deposited my veterans compensation disability check into my brothers account . since our names did not match chase closed the account and
with held my money without sending back the check to the Va. This issue has put me into a financial hardship, mental stress affecting my service
connected PTSD . no one has wanted to help me . I have had to receive multiple military grants to make up for this money that chase holds of mine. I
am still behind 2 months on my auto payment considering this money was a whole months salary and my only source of income. I am receiving
under 1300.00 a month and I am considered low income . I don't know what I have to do for the bank to return the check to the Va but I'm tired of
waiting around for nothing to happen and the bank thinking that they can just take what the want from who they no matter what could be going on
with the customer I need answer about my money .
2022
TWITTER 8/19/2022
Yesterday, we kicked off our inaugural Financial Literacy Class in partnership with @chase! Keep an eye on our weekly calendar to save the date for
the next one!
#FinancialLiteracy #GenSpace #HealthyAging #Aging #AgingWell #Longevity #Community pic.twitter.com/pisij84Ih2
2022
TWITTER 8/20/2022
DMA is proud to have Travis Flats in ATX as a finalist for Mixed Use. County offices, affordable apartments, shared parking garage on former parking
lot! @TravisCountyTX @TDHCA @rsequity @Chase @austintexasgov
Austin-Round Rock-Georgetown,
TX MSA
2022
FACEBOOK 9/1/2022
Very disapointed lately with Chase bank we had two ATMs at our bank and one was taken out nad now the remaining one isnt working properly..The
reason i switched to Chase was PNC made it harder to bank closing branchs taking out ATMs and here i am again having a hard time banking....
2022
TWITTER 9/1/2022
So frustrated with my banking relationship with Chase. After making an electronic deposit from my phone on Friday, and having it accepted, ai was
hit with a $12 fee and notice that the "account was not found" for the check I was depositing. After visiting my "not so local branch" (the 2 nearest
branches closed recently as did the 2 nearest ATMs), it appears that there was an issue with the image of the check that was received and 2 digits are
missing. Those digits were there when I took the image and were there during the manual verification process. The chase branch said they haven't
seen this happen before. They accepted the physical check for deposit but were unable to remove the $12 fee. They advised me to explain it to
customer service who should remove the fee since it was not something I nor the person writing the check could control. It seems like a system
issue. I called customer service who said their "system automatically denied my request for a refund." I deposit checks thru chase weekly. Usually
on my phone given that so many chase services have closed. I can't afford a $12 fee every time I deposit a check if there is an issue with the data. Is
there anything you can do? I am a good banking customer...I don't have overdrafts. I'm getting ready to purchase a house and I was considering
chase as a mortgage lender...but this situation has me concerned now about additional fees or customer service.
2022
TWITTER 9/1/2022
Good Evening secure messaging is not working for me to reply about my bill pay. I keep receiving an automated message concerning my bill pay,
however, the monthly direct deposit will not hit my account until the scheduled day of this month. I have explained on two occasions that any bill
payments need to come out of my account when the designated monthly monies are presented to the account. I am not the one controlling when
the deposit is presented or when Chase will decide to release the funds to my account. Chase knows that many of its customers such as I
unfortunately due to circumstances live to check, so trying to chastise and humiliate me about my financial situation can be construed as
discrimination against low-income customers including causing low-income customers (who are the majority impacted by the amoral practice) to pay
extra overdrafts by maneuvering transactions so the highest amount of overdrafts can be garnered (although legal).
2022
INSTAGRAM 9/3/2022
BREAK THE BANK #GRANDCLOSING
WEEK 1 VS CHASE BANK
📷 temp_ta_tion_
WEEK 5 VS WELLS FARGO
2MORRO SAT SEPT 3, 2022
BLACK LA DEMANDS TO
bankofamerica
chase
citi
wellsfargo
1a.
CEASE FINANCING THE GENOCIDE OF BLACK PEOPLE BY DIVESTING FROM LAW ENFORCEMENT AGENCIES THAT ARE MURDERING OUR LOVED
ONES & THE ROGUE PROSECUTORS WHO REFUSE TO HOLD THEM ACCOUNTABLE
1b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT ARE GRAVELY AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE FINANCING THE GENTRIFICATION OF BLACK COMMUNITIES W PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
PAY REPARATIONS TO THE FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE BLACK COMMUNITIES
3b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT HAVE BEEN DEVASTATED BY THE PIC
4a.
PAY REPARATIONS TO THE DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE ALL PREDATORY MEANS OF SABOTAGING BLACK WEALTH
4c.
PAY REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY BLACK PEOPLE EMPLOYMENT OPPORTUNITIES
4e.
AUDIT THE PROGRAMS DESIGNED TO HELP BLACK COMMUNITIES & MAKE ADJUSTMENTS TO HAVE THESE PROGRAMS MORE EFFICIENT
5a.
CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS BLACK COMMUNITIES
#ENDBLACKERASURE #ENDGENTRIFICATION #REPARATIONSNOW
Los Angeles-Long Beach, CA CSA
2022
TWITTER 9/7/2022
With a commitment toward helping minorities, @Chase is putting forward $30B to promote affordable housing, grow Black- and Hispanic-owned
businesses, improve access to banking in underserved areas, and build an inclusive workforce. Read more: bit.ly/3RLsbRo
pic.twitter.com/0kIEaPcZMT
2022
TWITTER 9/7/2022
Housing Action Illinois would like to extend a heartfelt thank you to our Platinum Sponsor for our 35th Anniversary and #HousingMatters2022
Conference: @jpmorgan @Chase. Thank you for supporting our work to expand affordable housing and end homelessness!
pic.twitter.com/yTmxygByMc
2022
INSTAGRAM 9/12/2022
📅This week's Business Education webinars📅
Wed: "Transform Your Dream into a Real Startup" presented by SCOREChicago
Fri: "Navigating Your Cash Flow" presented by Chase for Business
(And don't forget the #ChiSmallBizExpo on Saturday!)
Register at https://www.chicago.gov/city/en/depts/bacp/provdrs/business_support_tools/svcs/workshopsandwebinars.html
#logan #chamber #webinar #free #community #education #workshops #chicago
Chicago-Naperville, IL-IN-WI CSA
2022
TWITTER 9/15/2022
CPC's Tracy Conley joined longtime CPC customer DePaul & partners to celebrate the completion of this supportive & #affordablehousing project.
CPC proudly provided a $13.7M #constructionloan w/ lending partner JPMorgan @Chase.
Congratulations to all: twitter.com/NYSHCR/status/…
2022
LINKEDIN 9/15/2022
Today, we kick off Hispanic Heritage month. Celebrating and recognizing the contributions and influence of Hispanic Americans to the history,
culture, and achievements in the United States.
This past Monday, The San Fernando Valley and the SF valley LgBTQ wanted to recognize two extraordinary community leaders, Juliana Oceguera
Juan Hernandez The White House and the City of Los Angeles Mayor Garcetti also gave recognition for their work, dedication and impact in the San
Fernando Valley. Thank you Chase for Business your initiative with your $30 Billion Racial Equity Community to underserved communities. Thanks to
this commitment we are seeing hope through Juliana for the community. We see how dedicated she is in helping those that need the help, which is
many. Her passion to be their for her community. She understand her community and that’s why her community shows up for her. This is the first
time a big bank also shows up for the LGBTQ community with resources and support. Juliana and Juan thank you for your leadership, commitment
and support. From Washington DC to Sacramento, to San Fernando Valley and Panorama City, your efforts are being recognized and much
appreciated in the San Fernando Valley.
#leadership #communityleaders #business #racialequity #lgbtq # #thankyou
San Jose-San Francisco-Oakland,
CA CSA
2022
TWITTER 9/19/2022
Evermont Project uses #NMTC to Bring Affordable Housing and Community Development to Site of LA Uprising:
commercialobserver.com/2022/09/evermo…
@TheSeedSchoolLA @Chase @BRIDGEhousing
Los Angeles-Long Beach, CA CSA
2022
TWITTER 9/21/2022
There's also @jpmorgan @chase & all the Wall St banks mistreatment of communities of color & ongoing failures under the Community
Reinvestment Act, small business lending & so much more: @stephengandel @dealbook @FSCDems tinyurl.com/2brdmh9v 8/
2022
INSTAGRAM 9/21/2022
Register through our website BEFORE Sep. 27th for the Lunch & Learn: Negocios 201 👥
Hosted by Chase Bank chase 🌐 #rgvhcc
📍Casa De Palmas
101 N. Main Street McAllen, Texas 78501
RSVP -L I N K- IN BIO
Chase Bank is looking forward to helping out the business community and welcomes business owners to attend. #smallbusiness #community
***Registration IS Required & Lunch is provided- Walk-ins will NOT be permitted***
McAllen-Edinburg, TX CSA
2022
INSTAGRAM 9/23/2022
JOIN US 2DAY
BREAK THE BANK #GRANDCLOSING
GIVE CHASE BANK HELL UNTIL THEY PAY THE BLACK COMMUNITY REPARATIONS
🎥 pab7ox
BLACK LA DEMANDS TO
bankofamerica
chase
citi
wellsfargo
1a.
CEASE FINANCING THE GENOCIDE OF BLACK PEOPLE BY DIVESTING FROM LAW ENFORCEMENT AGENCIES THAT ARE MURDERING OUR LOVED
ONES & THE ROGUE PROSECUTORS WHO REFUSE TO HOLD THEM ACCOUNTABLE
1b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT ARE GRAVELY AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE FINANCING THE GENTRIFICATION OF BLACK COMMUNITIES W PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
PAY REPARATIONS TO THE FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE BLACK COMMUNITIES
3b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT HAVE BEEN DEVASTATED BY THE PIC
4a.
PAY REPARATIONS TO THE DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE ALL PREDATORY MEANS OF SABOTAGING BLACK WEALTH
4c.
PAY REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY BLACK PEOPLE EMPLOYMENT OPPORTUNITIES
4e.
AUDIT THE PROGRAMS DESIGNED TO HELP BLACK COMMUNITIES & MAKE ADJUSTMENTS TO HAVE THESE PROGRAMS MORE EFFICIENT
5a.
CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS BLACK COMMUNITIES
#ENDBLACKERASURE #ENDGENTRIFICATION #REPARATIONSNOW
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 9/27/2022
WE DID IT! Thank you to everyone who joined us Saturday, September 24th on the rooftop of the Sutter Club for the 9th annual Hard Hats and High
Heels Gala!
With a goal of $350,000, this sold out event raised over $448,000 to build and repair for low-income families, seniors, and veterans in our region. Stay
tuned for the recap video coming soon!
Photo credit: tiagemmell and cmac2u
Presenting Sponsor: mysmud
Hope Builder Sponsor: usbank
Future Framer Sponsors: officialumpquabank, chase bank, lpas.design, headwaters_building, Health Net, capitolbarricade, dprconstruction,
interwest_insurance, Precision Fluid Controls, rivercitybank, broadway_veterinary_hospital and venetianpethospital
Wall Raiser Sponsors: Tri Counties Bank, Clark Construction, Cooper & Associates Realty, Cunningham Engineering, El Dorado Savings Bank, Acorn
Finance, Rainforth Grau Architects, Taylor & Wiley, Teichert Construction, Trainor Fairbrook, Pretty Please Aesthetics, Leah & Ryan Miller, Roy
Alexander, The Stein/Ramos Family, Ronald & Beverly Lamb, Susan Sheridan and Elfrena Foord.
FIZZ Sponsor: fizzinsac
Wine Sponsor: boglevineyards
Production Team: Megan Swan and Mike Droke
Entertainment: larriahj, stefanomusic, beatfleetdjs, saccdt, aerialist jewelle_of_the_nile, and feelosophymusic
More photos in the link in our bio, and video recap coming soon!
#TogetherWeBuild #HabitatGala
2022
INSTAGRAM 10/1/2022
YOU DONT HAVE 2 ROB OR BEG THE BANK
JOIN THE MOVEMENT 2 BREAK THE BANK & GET WHAT BELONGS 2 ALL OF US
#GRANDCLOSING
CHASE BANK WEEK 5 2DAY
🛑 STOP wellsfargo
WEEK 9 CONTINUES
2MORRO SAT OCT 1ST
BLACK LA DEMANDS TO
bankofamerica
chase
citi
wellsfargo
1a.
CEASE FINANCING THE GENOCIDE OF BLACK PEOPLE BY DIVESTING FROM LAW ENFORCEMENT AGENCIES THAT ARE MURDERING OUR LOVED
ONES & THE ROGUE PROSECUTORS WHO REFUSE TO HOLD THEM ACCOUNTABLE
1b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT ARE GRAVELY AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE FINANCING THE GENTRIFICATION OF BLACK COMMUNITIES W PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
PAY REPARATIONS TO THE FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE BLACK COMMUNITIES
3b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT HAVE BEEN DEVASTATED BY THE PIC
4a.
PAY REPARATIONS TO THE DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE ALL PREDATORY MEANS OF SABOTAGING BLACK WEALTH
4c.
PAY REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY BLACK PEOPLE EMPLOYMENT OPPORTUNITIES
4e.
AUDIT THE PROGRAMS DESIGNED TO HELP BLACK COMMUNITIES & MAKE ADJUSTMENTS TO HAVE THESE PROGRAMS MORE EFFICIENT
5a.
CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS BLACK COMMUNITIES
#ENDBLACKERASURE #ENDGENTRIFICATION #REPARATIONSNOW
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 10/1/2022
YOU DONT HAVE 2 ROB OR BEG THE BANK
JOIN THE MOVEMENT 2 BREAK THE BANK & GET WHAT BELONGS 2 ALL OF US
#GRANDCLOSING
CHASE BANK WEEK 5 2DAY
🛑 STOP wellsfargo
WEEK 9 CONTINUES
2MORRO SAT OCT 1ST
BLACK LA DEMANDS TO
bankofamerica
chase
citi
wellsfargo
1a.
CEASE FINANCING THE GENOCIDE OF BLACK PEOPLE BY DIVESTING FROM LAW ENFORCEMENT AGENCIES THAT ARE MURDERING OUR LOVED
ONES & THE ROGUE PROSECUTORS WHO REFUSE TO HOLD THEM ACCOUNTABLE
1b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT ARE GRAVELY AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE FINANCING THE GENTRIFICATION OF BLACK COMMUNITIES W PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
PAY REPARATIONS TO THE FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE BLACK COMMUNITIES
3b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT HAVE BEEN DEVASTATED BY THE PIC
4a.
PAY REPARATIONS TO THE DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE ALL PREDATORY MEANS OF SABOTAGING BLACK WEALTH
4c.
PAY REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY BLACK PEOPLE EMPLOYMENT OPPORTUNITIES
4e.
AUDIT THE PROGRAMS DESIGNED TO HELP BLACK COMMUNITIES & MAKE ADJUSTMENTS TO HAVE THESE PROGRAMS MORE EFFICIENT
5a.
CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS BLACK COMMUNITIES
#ENDBLACKERASURE #ENDGENTRIFICATION #REPARATIONSNOW
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 10/1/2022
YOU DONT HAVE 2 ROB OR BEG THE BANK
JOIN THE MOVEMENT 2 BREAK THE BANK & GET WHAT BELONGS 2 ALL OF US
#GRANDCLOSING
CHASE BANK WEEK 5 2DAY
🛑 STOP wellsfargo
WEEK 9 CONTINUES
2MORRO SAT OCT 1ST
BLACK LA DEMANDS TO
bankofamerica
chase
citi
wellsfargo
1a.
CEASE FINANCING THE GENOCIDE OF BLACK PEOPLE BY DIVESTING FROM LAW ENFORCEMENT AGENCIES THAT ARE MURDERING OUR LOVED
ONES & THE ROGUE PROSECUTORS WHO REFUSE TO HOLD THEM ACCOUNTABLE
1b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT ARE GRAVELY AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE FINANCING THE GENTRIFICATION OF BLACK COMMUNITIES W PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
PAY REPARATIONS TO THE FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE BLACK COMMUNITIES
3b.
PAY REPARATIONS TO THE FAMILIES & COMMUNITIES THAT HAVE BEEN DEVASTATED BY THE PIC
4a.
PAY REPARATIONS TO THE DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE ALL PREDATORY MEANS OF SABOTAGING BLACK WEALTH
4c.
PAY REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY BLACK PEOPLE EMPLOYMENT OPPORTUNITIES
4e.
AUDIT THE PROGRAMS DESIGNED TO HELP BLACK COMMUNITIES & MAKE ADJUSTMENTS TO HAVE THESE PROGRAMS MORE EFFICIENT
5a.
CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS BLACK COMMUNITIES
#ENDBLACKERASURE #ENDGENTRIFICATION #REPARATIONSNOW
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 10/5/2022
If you missed last Saturday's sold out Habitat Gala on the Sutter Club rooftop, or if you want to relive the magical night, check out this Gala recap and
thank you video!
This year, we raised a total of $449,168 to build and repair for low-income families, seniors, and veterans in our region!
A huge thank you to the Sutter Club for hosting, as well as our amazing sponsors and partners:
Presenting Sponsor: mysmud
Hope Builder Sponsor: usbank
Future Framer Sponsors: officialumpquabank, chase bank, lpas.design, headwaters_building, Health Net, capitolbarricade, dprconstruction,
interwest_insurance, Precision Fluid Controls, rivercitybank, broadway_veterinary_hospital and venetianpethospital
Wall Raiser Sponsors: Tri Counties Bank, Clark Construction, Cooper & Associates Realty, Cunningham Engineering, El Dorado Savings Bank, Acorn
Finance, Rainforth Grau Architects, Taylor & Wiley, Teichert Construction, Trainor Fairbrook, Pretty Please Aesthetics, Leah & Ryan Miller, Roy
Alexander, The Stein/Ramos Family, Ronald & Beverly Lamb, Susan Sheridan and Elfrena Foord.
FIZZ Sponsor: fizzinsac
Wine Sponsor: boglevineyards
Production Team: Megan Swan and Mike Droke
Entertainment: larriahj, stefanomusic, beatfleetdjs, saccdt, aerialist jewelle_of_the_nile, and feelosophymusic
Videography: seastandproductions
Photo credit: tiagemmell and cmac2u
#TogetherWeBuild #HabitatGala
2022
TWITTER 10/24/2022
Last week, two dozen volunteers from @JPMorgan @Chase & Co. packed 13 pallets of #Stockboxes for low-income seniors – that's over 520 boxes!
Over the past year, 150 #volunteers from #JPMorganChase have served nearly 300 hours at our Volunteer Action Center.
pic.twitter.com/hWeDVw9k6h
2022
INSTAGRAM 11/2/2022
#BREAKTHEBANK
#VOTE4REPARATIONS
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 10 FRI NOV 4TH
WELLS FARGO WEEK 14 SAT NOV 5TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
4e. AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 11/2/2022
#BREAKTHEBANK
#VOTE4REPARATIONS
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 10 FRI NOV 4TH
WELLS FARGO WEEK 14 SAT NOV 5TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
4e
.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
Los Angeles-Long Beach, CA CSA
2022
INSTAGRAM 11/2/2022
#BREAKTHEBANK
#VOTE4REPARATIONS
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 10 FRI NOV 4TH
WELLS FARGO WEEK 14 SAT NOV 5TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
4e.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
Los Angeles-Long Beach, CA CSA
2022
LINKEDIN 11/9/2022
Elevate Together University en asociación con Chase for Business y la Cámara de Comercio Hispana de EE. UU. (United States Hispanic Chamber of
Commerce (USHCC)) presenta una nueva sesión educativa: NAVEGANDO POR SU FLUJO DE CAJA. Todavía hay tiempo para que te registres! Visita
1l.ink/RQ7MRDM para asegurar tu lugar.✏️
#nonprofit #community #nonprofitorganization #education #support #smallbiz #smallbusiness #smallbizowners #connect #connections
2022
TWITTER 11/18/2022
Today we welcomed back volunteers from @jpmorgan @Chase to our Clifford Street build site. The volunteers helped us with interior blocking as
well as additional siding installation!!
#habitatforhumanity #habitatcfc #jpmorgan #chase #volunteer #goodworks #build #home #community pic.twitter.com/AEWhTBQxV0
New York-Newark, NY-NJ-CT-PA
CSA
2022
INSTAGRAM 12/2/2022
THE WHITE WALL
BANKING WHILE BLACK
cspan ANDRE PERRY INTERVIEWING EMILY FLITTER ON HER BOOK
“THE WHITE WALL” (HOW BIG FINANCE BANKRUPTS BLACK AMERICA)
#BREAKTHEBANK
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 14 FRI DEC 2ND
WELLS FARGO WEEK 18 SATURDAY DEC 3RD
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 “TRILLION” IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a. REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
2022
INSTAGRAM 12/2/2022
BANKING WHILE BLACK
cspan ANDRE PERRY INTERVIEWING EMILY FLITTER ON HER BOOK
“THE WHITE WALL” (HOW BIG FINANCE BANKRUPTS BLACK AMERICA)
#BREAKTHEBANK
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 14 FRI DEC 2ND
WELLS FARGO WEEK 18 SATURDAY DEC 3RD
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 “TRILLION” IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a. REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
Los Angeles-Long Beach, CA CSA
2022
TWITTER 12/5/2022
Buwa Binitie, founder of Dantes Partners, is taking on D.C.’s housing crisis. With help from @JPMorgan @Chase, this partnership is providing Binitie’s
company with both debt funding and Low-Income Housing Tax Credits: wapo.st/3GWDfZU
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
TWITTER 12/5/2022
A new birth center in the heart of D.C.'s Ward Five is helping close the health care gap for mothers. Learn how the NMTC program from @JPMorgan
@Chase is helping support community development projects in underserved and low-income communities: wapo.st/3XB6ffU
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
TWITTER 12/8/2022
@iamwesmoore @jpmorgan @Chase @MayorBMScott Be careful with @chase, they have a record of stealing low-income people's money. Chase is
bad for working-class American people.
2022 INSTAGRAM 12/8/2022 Wow👏🏾 @iamwesmoore hit the ground running, @chase great investment in the community.
2022
TWITTER 12/9/2022
JP Morgan and Chase's community bank opened at Mondawmin. I am looking forward to Chase investing its time, treasure and talents w/ free
individualized services such as coaching for small and minority owned businesses, financial literacy classes, and other opportunities.
pic.twitter.com/JrwVZQcI4n
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
Mondawmin Community Center
2022
TWITTER 12/9/2022
Affordable housing is key to maintaining a thriving community. Learn how @JPMorgan @Chase is creating more affordable housing in Black, Hispanic
and Latino communities and continuing business growth in the D.C. region: wapo.st/3GWDfZU
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2022
INSTAGRAM 12/10/2022
#BREAKTHEBANK ITS TIME 2 BAIL OUT THE PEOPLE.. NOT THE BANKS
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 16 FRI DEC 16TH
WELLS FARGO WEEK 19 SAT DEC 10TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
@bankofamerica - BRIAN MOYNIHAN
@citi - JANE FRASER
JP MORGAN @chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
@wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
4e. AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
Los Angeles-Long Beach, CA CSA
2022
TWITTER 12/13/2022
You're invited to attend the "Building Generational Wealth in our Communities" workshop. Hear from local real estate experts and learn about
available incentives! @Chase
6-8pm at the #MidtownCLE TechHive; Be sure to register using the QR code on the images. pic.twitter.com/TUzSZChJcB
Cleveland-Akron-Canton, OH CSA
2022
TWITTER 12/14/2022
Does your bank openly support small and minority owned business 👀
#HowdyNeighbors
chase said the answer is YES!! #chasebank is showcasing businesses and offering resources for small and minority owned business.
As a business owner you must leverage ALL contacts to help you achieve you goals. This includes:
Past clients
City & government entities
Your Bank
My Services 👀
Make sure to head to my link in bio. I offer several free resources made for new business owners!
2022
INSTAGRAM 12/14/2022
#BREAKTHEBANK "[BLACK] PEOPLE DON'T NEED MORE LOANS.. [WE] NEED HELP PAYING THEM"
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
DR SARAH FEDERMAN TESTIFIES B4 THE HOUSE FINANCIAL SERVICES COMMITTEE
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 16 FRI DEC 16TH
WELLS FARGO WEEK 19 SAT DEC 10TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d. MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
Los Angeles-Long Beach, CA CSA
2022
TWITTER 12/15/2022
Our CRCP Cheerleaders were thrilled to perform at the @Chase Bank Branch Opening and Ribbon Cutting this morning, welcoming our new partners
to the neighborhood!
#Partnerships #Community #LionPride pic.twitter.com/dOSDVFRTZ4
St. Louis-St. Charles-Farmington,
MO-IL CSA
MLK Plaza
2022
TWITTER 12/22/2022
Chase opens branch in Covent Blu-Grand Center neighborhood
30% of @Chase ’s branches are in low-to-moderate-income areas
“Brown and Black people need to be a part of the dialogue,”
K. Michael Jones | St. Louis American
#stlamerican #stlouis #stlnews
ow.ly/3Lon50MaN5J
St. Louis-St. Charles-Farmington,
MO-IL CSA
MLK Plaza
2022
TWITTER 12/27/2022 Redlining is illegal, but @Chase bank can "red dot" on the grounds of ideology...
Make it make sense.
*Note: Special characters and emojis may be edited to improve accessibility
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Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
June 23, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
Rowlett, TX 75088
Thank you for sharing your concerns
Dear [REDACTED CONTENT]:
We are responding to your complaint about the status of our branch location in your city, and your request
to keep the branch open. You requested to speak with Jamie Dimon. We reviewed your complaint on his
behalf. Thank you for sharing your concerns.
We appreciate you taking the time to bring this to our attention. Your feedback helps us serve you better.
Our goal is to give exceptional service every time you contact us.
Our Rowlett branch was temporarily closed for maintenance due to an Environmental Health and Safety
issue but is open now. We ensured there were proper signs informing about the closure and instructing
our customers to search for the nearest branch on chase.com. We also have several branch locations
within five miles from our Rowlett branch.
We welcome your feedback. Please accept our apologies for the inconvenience this matter caused you.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference
case number [REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
executive.office@chase.com
chase.com
From: [REDACTED CONTENT]
Sent: Thursday, August 03, 2023 8:13 AM
To:
[REDACTED CONTENT]
Cc: [REDACTED CONTENT]
Subject: Re: [EXTERNAL]Fwd: BUF of MI: Youth Careers Exploratory Academy: Financial Literacy
Needed
[REDACTED CONTENT]:
On behalf on Black United Fund of Michigan (BUF of MI), thank you for your awesome presentation on July 27th as part
of our Youth Careers Exploratory Academy. You helped to make the Academy a huge success! The students remarked in
their evaluation that you thoroughly engaged them in learning more about money. On the last day upon receiving their
stipends, a number of parents remarked that their child was insisting they open an account with Chase.
Again, BUF appreciates your partnership and looks forward to other collaborative projects.
Stay blessed!
[REDACTED CONTENT]
Program Director - BUF of MI.
[REDACTED CONTENT]
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Hampton, GA Written Comments
Date Submitted: 10/12/23
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
Experian has been providing inaccurate credit report data to lenders upon request, that contain data
that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS; Such as,
(FALSE REPORTING -"BANKRUPTCY/PUBLIC RECORD") when neither exist on my credit report! October
1st 2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error
message of "cannot process, try again later" appeared after my request. I was not aware this inquiry had
been actually processed due to the error message and lack of notification, reference number nor alert
from JPMCP nor Experian, and it's being hidden in Plain sight. The inquiries on my file are listed in
chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it
is li
sted between the months of May. Although, it's October and the last inquiry requested this year.
Upon calling JMPCP for further information about this inquiry, I was then informed the request had
been DECLINED for several reasons such as: Too many inquiries, PUBLIC RECORD / BANKRUPTCY and
seve
ral other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. Experian is
also screening my calls. Unable to speak with a live agent. Automated system claims my information (ssn
and zip code) does not match, although it does. Experian claims their company only provides reports to
lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by
using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE
IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND
AN AV
ERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. Violation
of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866. My score,
TAMPERED WITH, also dropped 10 points from this "hidden JMPCB inquiry" resulting in a DECLINED NOT
DENIED APPLICATION. I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED
BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN $900. I WOULD NOT HAVE SO MANY
INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as,
REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by Experian. EACH TIME I submit a request
FOR CREDIT. FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by
Experian and others to the point of exhaustion! Bureaus should be REQUIRED to have more EFFECTIVE
laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
JPMCB
inquiry needs to be removed as well as ALL other inquiries made resulting in a declined/denial
status due to UNFAIR LENDING and DISCRIMINATION from Experian. Credit score needs to be updated
to reflect accuracy DUE TO UNFAIR LENDING AND DISCRIMINATION. CREDIT LOCK TO PREVENT INSIDE
FROM TAKING ADVANTAGE OF CONSUMER REPORTS THROUGH UNFAIR LENDING PRACTICES AND
DISCRIMINATION.
Execut
ive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH
43219
October 19, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
Hampton, GA 30228
The credit inquiry is valid
Reference Number: [REDACTED CONTENT]
Dear [REDACTED CONTENT]:
We are responding to your concerns about the inquiry on your personal credit report for your business
credit card account application. We appreciate the opportunity to assist you.
You applied for the Chase Visa signature business card account through the internet. The pre-approved
credit card offer says that we will review your credit report and the information you provide to confirm that
you meet the criteria for the offer.
We show you submitted two applications. When you apply for a credit card online, the Pricing and Terms
information must be viewed before the application is submitted. Based on this review, you may receive a
card with different costs, or you may not receive a card. For your convenience, we have enclosed a copy
of the Pricing and Terms. We have also enclosed a copy of the credit decision letters dated
October 1, 2023.
Information we send to the credit reporting agencies must accurately reflect your account activity and
status. We won’t request to remove the inquiry because the information we supplied to the credit
reporting agencies is accurate.
Please contact the credit reporting agencies directly about any inaccurate reporting and your request for a
lock on your credit report as we are not able to speak on their behalf. We respectfully deny any of the
alleged violations.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it
is strictly against our policy and contrary to our corporate culture.
If you have questions about this issue, please call Joan at 1-877-805-8049, extension [REDACTED
CONTENT]. If you have other questions, please call us at the number below. We accept operator relay
calls. Our office is available Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6
p.m. Eastern Time.
Sincerely,
Card Executive Office
1-877-805-8049
1-847-787-5509 Fax; it’s free from any Chase branch
chase.com
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Bakersfield, CA Written Comments
Date Submitted: 10/12/23
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
Chase canceled my investment accounts in 2020 and closed all my accounts .I am still missing $2500
from my accounts that Chase closed I tried several times to contact the 800 number listed but was told
they can not provide me with any information, but if I choose I can fill with the court but I don't have the
money to pay attorneys fee I applied for credit card with chase couple of months ago it was granted
because I have good credit but I just got a letter from chase that they canceling my new credit card with
any explanation This is discrimination based on my race and National origin Please could you follow up
with my complaint to let chase Bank know that poor people have a voice in USA and the world
Tell me why the company is discriminating against my race by refusing service to my race I told them to
investigate the situation may be it is mistaken identity but the people I have spoken to refused to listen
but tell me to go to court
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
October 26, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
Bakersfield, CA 93312
The Deposit Account Agreement allows us to close an account at any time
Dear [REDACTED CONTENT]:
We are responding to your complaint about our decision to close your accounts. Thank you for sharing
your concerns.
The Deposit Account Agreement allows us to close an account other than a CD at any time, for any
reason or no reason, and without prior notice. We gave you a copy of the agreement when you opened
the account. You can see the current agreement on chase.com. We made the decision to end the
banking relationship. Our decision will not change, and we are not required to give a reason for closing an
account.
We are closing your credit card account ending in [REDACTED CONTENT]
We sent you the enclosed letter dated September 27, 2023, letting you know that we could close your
credit card account on October 26, 2023. We decline your request to provide additional information about
our decision. We confirmed that your account was properly identified, and our decision is final. Our
decision to close the credit card account is in accordance with your enclosed Cardmember Agreement.
Here’s information about your rewards
You can access eligible rewards for at least 30 days from the closure date of your account. After that
time, they will no longer be available. We review accounts according to the rewards terms and conditions,
which could result in your reward points being forfeited. For some credit cards, redemption options may
be limited after your account is closed. We have enclosed a copy of the program Rules and Regulations
for your review.
Every individual has a unique credit profile, so we cannot advise you on how the closure of your account
may affect your credit. Please contact the credit reporting agencies directly about your credit concerns.
Here’s the contact information for the four credit reporting agencies:
Equifax Experian Innovis TransUnion
PO Box 740256
PO Box
9701 PO Box 1640 PO Box 2000
Atlanta, GA 30374-0256
1-888-378-4329
Allen, TX 75013
1-800-493-1058
Pittsburgh, PA 15230-1640
1-800-540-2505
Chester, PA 19022-2000
1-800-916-8800
equifax.com
experian.com innovis.com transunion.com
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it
is strictly against our policy and contrary to our corporate culture.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED
CONTENT]. We accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and
Saturday from 9 a.m. to 6 p.m. Eastern Time.
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Seattle, WA Written Comments
Date Submitted: 10/20/2023
Submitted Via: Washington State Attorney General Online Customer Complaint
Form
Customer Comments
SUMMARY: Chase is getting out of the safe deposit box business. When they close branches, they are
instructing customers to come into the branch and remove the contents of their safe deposit boxes.
Customers pay an annual fee in advance for these safe deposit boxes, but when Chase forces customers
to vacate the boxes, they are refusing to offer customers a refund of their annual fees (or even a
prorated amount of the annual fee). As Chase continues to close branches -- or eventually removes safe
deposit boxes from existing branches -- they are retaining anywhere from $50 to $200 per customer
times the thousands of boxes that will be vacated. For me this was $80, but when you add it up, this
may total in the millions of dollars.
DETAILS:
I have had a safe deposit box at the Chase Bank (formerly Washington Mutual) at 5464 Sand Point Way
NE, Seattle, WA 98105 since 2005. My most recent $80 annual fee for the box was paid via automatic
withdrawal from my Checking Account on 7/5/23. A month later on August 18,2023, Chase sent me a
letter (attached) informing me that the branch was closing, mentioning that if I have a Safe Deposit Box,
I would receive a separate letter with information about removing its contents. On August 25, 2023 and
September 15, 2023, Chase sent a letter (attached) titled "Important information about your safe
deposit box", saying "The branch at 5464 Sand Point Way NE, Seattle, is closing, so you'll need to come
in and remove the property in you safe deposit box and cancel your lease by October 26th. We're sorry
for the inconvenience." On 10/16/23, I went into the branch to empty my safe deposit box (and close
my Checking and Savings accounts), and the branch employee told me that Chase was not refunding the
safe deposit fees for any of their customers in the branch. She explained that she was upset by this, as
have the many customers who have already visited to empty their boxes. However, she explained that
the branch manager told all employees explicitly that no refunds would be made and that customers
should file a complaint with Chase's central office. She gave me a piece of paper (attached) that had
preprinted the complaint contact location on their website (chase.com/sendusfeedback) or a PO Box in
Indianapolis (jpmorgan chase bank n/a, po box 44945, Indianapolis, IN 46204-4945).
Chase.com/sendusfeedback says you can contact Chase via Secure Message, Phone, or Social Media
(Twitter). I found an 800-number for Checking Account support. The rep I told me he understood my
frustration about this issue, but that the phone agents were not authorized to issue a refund. He said
that this was a Branch issue, that the Branch has misinformed me, and I should go back to the Branch
and ask them to issue a refund. I later tried to file a complaint via Send Us a Secure Message". The only
category dropdown that allows you to write a secure message was under "SCRA-Military Inquiry." I
submitted a complaint via the "SCRA-Military Inquiry" dropdown and received the following response
(attached) via My Account on 10/18/23:
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
"He
llo [REDACTED CONTENT],
Thank you for contacting us.
[REDACTED CONTENT], we're sorry to know about your recent banking experience and apologize for the
inconvenience this may have caused. We would like to resolve your concerns through the Secure
Message Center; however, this issue can only be resolved in person. While we're unable to refund the
fee, we'll share your feedback with the appropriate team. We understand this is important to you, and
we ask for your patience.
If you need to contact us again, please send a secure message.
Sincerely,
[REDACTED CONTENT]
Chase Email Servicing."
On 10/20/23, I phoned the branch and complained again, this time to Derek. Derek said the only thing I
could do is contact Chase at the numbers they provided me and I explained that the SendUsFeedback
contact was not helpful. He said that the only thing he could do is file a complaint on my behalf, as he
has done for many other customers who are upset about this.
**THIS really feels like something that should be addressed with Chase via a Class Action Lawsuit.
Although the individual dollar amounts are relatively small, when multiplied by all the customers
impacted by this, the number is significant. Chase is essentially stealing money from all these customers
who trusted them to provide safe deposit boxes in one-year terms.**
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Seattle, WA Written Comments
Date Submitted: 10/30/2023
Submitted Via: OCC Online Customer Complaint Form
Customer Comments
SUMMARY: Chase is getting out of the safe deposit box business. When they close branches, they are
instructing customers to come into the branch and remove the contents of their safe deposit boxes.
Customers pay an annual fee in advance for these safe deposit boxes, but when Chase forces customers
to vacate the boxes, they are refusing to offer customers a refund of their annual fees (or even a
prorated amount of the annual fee). As Chase continues to close branches -- or eventually removes safe
deposit boxes from existing branches -- they are retaining anywhere from $50 to $200 per customer
times the thousands of boxes that will be vacated. For me this was $80, but when you add it up, this
may total in the millions of dollars.
DETAILS:
I have had a safe deposit box at the Chase Bank (formerly Washington Mutual) at 5464 Sand Point Way
NE, Seattle, WA 98105 since 2005. My most recent $80 annual fee for the box was paid via automatic
withdrawal from my Checking Account on 7/5/23. A month later on August 18,2023, Chase sent me a
letter (attached) informing me that the branch was closing, mentioning that if I have a Safe Deposit Box,
I would receive a separate letter with information about removing its contents. On August 25, 2023 and
September 15, 2023, Chase sent a letter (attached) titled "Important information about your safe
deposit box", saying "The branch at 5464 Sand Point Way NE, Seattle, is closing, so you'll need to come
in and remove the property in you safe deposit box and cancel your lease by October 26th. We're sorry
for the inconvenience." On 10/16/23, I went into the branch to empty my safe deposit box (and close
my Checking and Savings accounts), and the branch employee told me that Chase was not refunding the
safe deposit fees for any of their customers in the branch. She explained that she was upset by this, as
have the many customers who have already visited to empty their boxes. However, she explained that
the branch manager told all employees explicitly that no refunds would be made and that customers
should file a complaint with Chase's central office. She gave me a piece of paper (attached) that had
preprinted the complaint contact location on their website (chase.com/sendusfeedback) or a PO Box in
Indianapolis (jpmorgan chase bank n/a, po box 44945, Indianapolis, IN 46204-4945).
Chase.com/sendusfeedback says you can contact Chase via Secure Message, Phone, or Social Media
(Twitter). I found an 800-number for Checking Account support. The rep I told me he understood my
frustration about this issue, but that the phone agents were not authorized to issue a refund. He said
that this was a Branch issue, that the Branch has misinformed me, and I should go back to the Branch
and ask them to issue a refund. I later tried to file a complaint via Send Us a Secure Message". The only
category dropdown that allows you to write a secure message was under "SCRA-Military Inquiry." I
submitted a complaint via the "SCRA-Military Inquiry" dropdown and received the following response
(attached) via My Account on 10/18/23:
"Hello [REDACTED CONTENT],
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Tha
nk you for contacting us.
[REDACTED CONTENT], we're sorry to know about your recent banking experience and apologize for the
inconvenience this may have caused. We would like to resolve your concerns through the Secure
Message Center; however, this issue can only be resolved in person. While we're unable to refund the
fee, we'll share your feedback with the appropriate team. We understand this is important to you, and
we ask for your patience.
If you need to contact us again, please send a secure message.
Sincerely,
[REDACTED CONTENT]
Chase Email Servicing."
On 10/20/23, I phoned the branch and complained again, this time to Derek. Derek said the only thing I
could do is contact Chase at the numbers they provided me and I explained that the SendUsFeedback
contact was not helpful. He said that the only thing he could do is file a complaint on my behalf, as he
has done for many other customers who are upset about this.
**THIS really feels like something that should be addressed with Chase via a Class Action Lawsuit.
Although the individual dollar amounts are relatively small, when multiplied by all the customers
impacted by this, the number is significant. Chase is essentially stealing money from all these customers
who trusted them to provide safe deposit boxes in one-year terms.**
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
November 14, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
Seattle, WA 98105
We are working on providing a prorated refund
Dear [REDACTED CONTENT]:
We are responding to your complaint about annual fee for your Safe Deposit Box and your service
experience. Thank you for sharing your concerns.
Your feedback helps us serve you better. We aim to give exceptional service and are sorry that we did
not meet this goal when you contacted us about the Safe Deposit Box annual fee.
We are currently under a stop sale so no new boxes or box transfers can be done at this time. This is
what was normally offered to customers when a branch closed, so unfortunately when a branch with
Safe Deposit Boxes is
closed currently that is not an option. A Safe Deposit Box rental fee of $80.00 was
deducted from your account ending in [REDACTED CONTENT] on July 5, 2023, for the annual rental
fee. We cannot refund the annual fee due because we did not find a bank error.
We are currently working on a look back correction to provide prorated refunds. Eligible customers will
receive a prorated refund in the mail, at this time we do not have an ETA for when checks will arrive. We
will send checks to the address on file, please notify us if your address has changed.
If you have questions, please call us at 1-877-805-8049 and reference case [REDACTED CONTENT].
We accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday
from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
chase.com
October 30, 2023
To Whom it May Concern,
The Cities for Financial Empowerment Fund (CFE Fund) encourages the Office of the
Comptroller of the Currency (OCC) to give favorable consideration to JPMorgan Chase
(JPMC) as part of the Community Reinvestment Act (CRA) examination, in recognition of
JPMC’s significant investment in supporting national banking access efforts as outlined
below. Throughout our multi-year partnership, JPMC has shown a strong commitment to
community engagement and has exemplified leadership within the financial empowerment
and financial services field.
The CFE Fund’s Bank On movement works to ensure that everyone has access to a safe,
affordable banking account; thanks to sustained Bank On seed support from JPMC, Bank
On has become a national movement meaningfully expanding banking access as a
cornerstone of financial stability. Since 2013, JPMC designed its support to enable the CFE
Fund to create critical central national infrastructure to support local and state coalition
banking access efforts; engage financial institutions large and small in offering Bank On
certified accounts; bring millions of Americans into the stabilizing financial mainstream;
and liaise with federal regulators, state agencies, and other stakeholders to advance this
work.
JPMC’s seed support of the Bank On movement has helped the CFE Fund and partners
invest in connecting certified Bank On accounts to program and payment opportunities.
Connecting safe banking accounts to existing government and nonprofit programs that
utilize payments, reimbursements, stipends, and refunds has resulted in expanding banking
access at nationwide scale. As the largest example, during the COVID-19 pandemic the
Bank On movement partnered with the Department of Treasury, the Federal Deposit
Insurance Corporation (FDIC) and other federal partners, along with dozens of financial
institutions and Bank On coalitions, encouraging residents to open a Bank On certified
account to receive their Economic Impact (stimulus) payment, unemployment
compensation, and Child Tax Credit payments via direct deposit. In their 2021 National
Survey of Unbanked and Underbanked Households, the FDIC highlighted that over a third
(35%) of recently banked households reported that receiving a government benefit
payment contributed to opening a bank account, underscoring the importance of JPMC’s
support of this key Bank On and federal regulator strategy to help people get banked.
In addition to JPMC seed funding support, their investment also has leveraged additional
philanthropic dollars. With them, the CFE Fund then has granted over $2 million to 115
community nonprofits and municipal governments through a suite of grant and technical
assistance offerings, outlined below:
- Bank On Startup Grants, to support brand-new coalitions in launching operations:
53 grants totaling $443,000
- Bank On Capacity Grants, to support dedicated coalition leadership: 49 grants
totaling $1,190,000
- Bank On Innovation Grants, to test new replicable methods of banking access
integrations: 8 grants totaling $169,500
- Wages Connect, a pilot program integrating banking access into workforce
development: 5 grants totaling $220,000
In addition to these grants, JPMC support enables the CFE Fund to provide robust technical
assistance to coalition leaders, including a biennial leadership and management training, a
biennial national conference, and access to CFE Fund communications and marketing
materials.
Beyond supporting the CFE Fund’s national Bank On efforts, JPMC also has been a leader in
the larger banking access and financial inclusion fields. JMPC is active in most local and
state Bank On coalitions, providing leadership, marketing and outreach guidance, and
participating in networking opportunities. Additionally, JPMC was one of the first financial
institutions in the country to create their own Bank On certified account (initially the
prepaid card, Liquid, and now a full checking account, Secure Banking). JPMC also
voluntarily reports data about their certified account to the Bank On National Data Hub, a
centralized Bank On reporting platform that the CFE Fund manages in partnership with the
Federal Reserve Bank of St. Louis. Thanks to JPMC’s Secure Banking account, millions of
people who may otherwise been outside the financial mainstream now have access to safe
banking.
Thanks in large part to JPMC’s ongoing seed investment, the market of safe and affordable
Bank On certified accounts is flourishing and has grown exponentially since the Bank On
National Account Standards were first released in 2015. Bank On accounts are now
available in more than 50% of branches throughout the country and are impacting
underserved communities: nearly 96% of low- and moderate-income households live
within one mile of a branch offering a Bank On certified account. Additionally, the Bank On
National Data Hub shows that across just 28 reporting institutions, there have been more
than 14 million Bank On certified accounts opened to date. Further, approximately 80% of
accounts opened are opened by customers completely new to that financial institution, a
proxy for bringing consumers into the financial mainstream. Bank On has been embraced
by the FDIC, Office of the Comptroller of the Currency, and the Federal Reserve. JPMC
representatives joined FDIC Chairman Martin J. Gruenberg and Acting Comptroller of the
Currency of the Currency Michael J. Hsu in Washington D.C. earlier this year to speak at our
Bank On National Conference, highlighting the momentum of Bank On across the country.
Financial institutions, municipalities, and local programs need leadership and coordinated
resources for effective, sustainable Bank On programs and products. JPMC’s generous
support and ongoing partnership with the CFE Fund and the Bank On movement
exemplifies their dedication to improving the financial lives of low- to moderate-income
families across the country. The CFE Fund strongly commends JPMC for its continued and
highly productive support of national banking access efforts.
Sincerely,
[REDACTED CONTENT]
Senior Principal
Cities for Financial Empowerment Fund
th
'•
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
January 8, 2024
[REDACTED CONTENT]
[REDACTED CONTENT]
Irving, TX 75062-7122
Thank you for sharing your concerns with us
Dear [REDACTED CONTENT]:
We are responding to your inquiry about the closure of our drive up service at our Irving branch. Thank
you for sharing your concerns.
We closed the drive up service at our Irving branch location because of low transaction volumes. Three
drive-up ATMs were retained at our other Irving locations. The branch locations are within a three mile
radius from this location. We apologize for the inconvenience.
Here are the locations of our other branches in the area that offer drive up services:
• 111 East Irving Boulevard
• 545 East John Carpenter Freeway
• 5530 North Macarthur Boulevard
Your feedback and suggestions are very important to us, and we appreciate you sharing your thoughts.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference
case number [REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
executive.office@chase.com
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: Memphis, TN Written Comments
Date Submitted: 11/24/2023
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
I provided my Chase bank account information to my foreign university, so that the overage amount of
my federal student loan could be wired to me to cover my living expenses for the semester. The loan
was processed on November 12th. On November 21st, I called Chase Bank to request a status inquiry on
any pending wire transfers listed under my account. I spoke with a representative who confirmed that
he could see the transfer information, and I confirmed the amount and the sender. The same
representative assured me that there was no hold on the transfer, and that it would be processed the
following morning. The next afternoon, it still had not processed so I called again, and was told it would
be handled the same day (November 22nd), and not to worry. Due to the holiday, I was unable to reach
anyone from Chase Bank on November 23rd. Today, November 24th, I called Chase Bank again to
request another status update, and I was informed that the bank had returned the wire transfer
because I am not subscribed to one of their premium accounts and therefore I’m not entitled to
participate in an international wire transfer in any capacity. This information was never clearly
communicated to me and the negligence of withholding that information has caused me, and will
continue to cause me further financial harm. I am a low income student, and they are denying me access
to my own student loans to cover my living expenses. The solution I was offered was to visit a chase
bank branch and open an account with a higher monthly fee. This is not a viable alternative. My bank
account is in the negatives and Chase has denied a payment to me that would allow me to pay my rent.
This is unacceptable and I am looking for any solution.
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
December 8, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
Memphis, TN 38135
Here is information about your account
Dear [REDACTED CONTENT]:
We are responding to your complaint about your wire transfer and your service experience. Thank you for
shari
ng your concerns.
We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better.
We aim to give exceptional service and apologize for not meeting this goal when you contacted us.
We
apologize for any
misinformation
you were given. Your
Chase Secure Checking account
ending in
[REDACTED CONTENT]
does not allow incoming or outgoing wire transfers. The features
of your account
are explained in t
he Additional Banking
Servic
es and Fees for Personal Accounts,
which
is a part of the
Deposit Account
Agreement. We gave you copies of both documents when the account was opened, and
you can see the current versions by signing in to your
account on c
hase.com.
We apologize for any inconvenience this matter has caused you; however, we respectfully decline your
request for compensation as there was no error on our part. We recommend you call us at
1-800-935-9935 or visit a branch to see if one of our other checking accounts may fit your banking needs
better.
We take complaints that claim discrimination seriously. We do not tolerate discrimination as it is strictly
against our policy and contrary to our corporate culture.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference
case number [REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
chase.com
Customer Comments Received via Regulatory Agency Website
*
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Comment: San Francisco, CA Written Comments
Date Submitted: 12/7/2023
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
I get a check from the County of San Francisco, also a Chase customer. It's a County Adult Assistance
Program, and every month I get a check with my name and per a State regulation the [REDACTED
CONTENT] is listed as a payee, it's all my money, the branch located at 1500 Polk in San Francisco lied to
me for the fourth time and claimed I couldn't deposit the check, I then went home and easily deposited
it on the app. But Chase has structured their algorithms and or A I to flag all checks of this kind for a two
day hold. A supervisor lied to me, putting me on hold for almost 30 minutes claiming she was releasing
the funds, only to come back and stick to her original decision. Another customer service agent lied and
refused to let me speak to a supervisor. Chase Bank discriminates based on race and economic class,
and I have been victimized by it several times in front of other customers.
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
December 20, 2023
[REDACTED CONTENT]
[REDACTED CONTENT]
San Francisco, CA 94109-6276
Your funds were made available to you on December 7
Dear [REDACTED CONTENT]:
We are responding to your complaint about a check you deposited and your service experience. Thank
you for sharing your concerns.
We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better.
We aim to give exceptional service and are sorry that we did not meet this goal when you visited the
branch and contacted us by phone about the check you deposited.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it
is strictly against our policy and contrary to our corporate culture.
The check you deposited on December 5, 2023, for $688.27 required additional review. The deposit hold
expired on December 6 and your funds were available on December 7. We’ve enclosed a copy of the
check you deposited for your review.
Any check deposited into an account is subject to secondary review. We may not make the funds you
deposit by check available until the seventh business day after the day of your deposit. The Deposit
Account Agreement (DAA) has additional information about our Funds Availability Policy. You were
provided a copy of the agreement when you opened the account. You can see the current agreement on
chase.com.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference
case number [REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through Friday
from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
1-877-805-8049
1-866-535-3403 Fax; it’s free from any Chase branch
executive.office@chase.com
chase.com
December 8, 2023
[REDACTED CONTENT]
c/o JPMorgan Chase
[REDACTED CONTENT]
Miami, FL 33131
Dear [REDACTED CONTENT],
Thank you, [REDACTED CONTENT] - to you and JPMorgan Chase – for your
continued support of Hispanic Unity of Florida’s (HUF) clients and our community.
We would like to extend our deepest gratitude for your invaluable support as a
Plenary Session Sponsor at the 2023 Entrepreneur Summit.
The impact of your sponsorship extended far beyond the event itself. Your contribution
enabled 250+ aspiring and emerging entrepreneurs to connect with subject matter
experts from diverse sectors, fostering an environment of learning, networking, and
inspiration. Your dedication to supporting entrepreneurs at all levels reflects your
company's profound commitment to the growth and vitality of our business community.
Our mission, our vision, and our work are possible because you believe in us; because
you share our values of helping our community reach its full potential.
Thank you, [REDACTED CONTENT] - to you and JPMorgan Chase - for your
support. And thank you for sharing our dream of an inclusive and equitable
community of successful children, strong families, and civically engaged individuals.
Marvelously yours,
[REDACTED CONTENT]
Vice President of Development
Hispanic Unity of Florida
Thank you for your contribution of $7,500 received on 11/14/2023. No goods or services were provided in exchange
for this contribution. Hispanic Unity of Florida, Inc. is an exempt organization as described in Section 501(c)(3) of the
Internal Revenue Code; EIN 59 2230272. Please remember us in your will or living trust. Please save this gift
acknowledgement for your tax return.
Year
Comment
Received Date
Comment* JPMC Response
AA
(If known)
Branch
(If known)
2023 1/3/2023
Hello [REDACTED CONTENT], My name is [REDACTED CONTENT]. I have two safe deposit boxes at the downtown Orlando Branch. I travel
internationally as a speaker to Medical school students and physicians. I keep materials significant to my programs in these two safe deposit
boxes. Last summer I arrived at the branch to find a sign saying Branch Closed Until Further Notice on the front doors. I travelled to two other
branches in Orlando to find out why the branch was closed and how emergency access which is available at other Chase locations in the U.S.
might be availed to me. I was met with cynic speculation as to the information I was presenting and was actually told Better luck next time by
one of the branch executives. Someone implied it was due to an internal problem at the downtown branch which prompted my concerns of a
security issue downtown. Never the less I could not access the boxes and my material and had to make my presentation without essential
tools which I might add was not appreciated by the audience and the principals of my contract with the Medical association. Needless to say I
was disappointed and my reputation tarnished. Today when I arrived at the branch the boxes were the event was poo pooed and not once
was empathy to the difficulty this caused me offered. I have been a box holder here for many years and I believed I deserved better
treatment for a failure of Chase to provide the contracted services for which I pay for. I am curious regarding your position on my
circumstances and the professionalism of staff at the downtown branch and the two other branches I visited seeking resolution last summer.
Thank you for the attention this correspondence is receiving. Sincerely, [REDACTED CONTENT]
N/A Orlando-Lakeland-Deltona, FL CSA
2023 1/6/2023
Customer called in because client received a letter for Stewart manor branch closing. client is not happy she is a senior citizens and needs to
close her box. she is demanding we find her a box in another branch asap or she will close all her accounts.
JPMC representative attempted to contact the customer three times to provide resolution and was unsuccessful. A no contact letter
was sent to the customer.
New York-Newark, NY-NJ-CT-PA CSA Stewart Manor
2023 1/9/2023
[REDACTED CONTENT] is not happy that he was forced to close his safety deposit box when our branch was closing/relocating to a new
building that was not going to have safety deposit boxes in it, and is now unable to open a new box in any branch since Chase does not allow
any clients the ability to do so. He feels that as a private client, he is losing a benefit of the program and is not happy.
JPMC representative explained that this is a national business decision and like all things, subject to change and that I would submit his
displeasure via this channel. Apologized for not being able to assist any further in the matter and will keep him in mind if we change
this policy in the future.
New York-Newark, NY-NJ-CT-PA CSA
2023 1/9/2023 Customer is upset the San Anselmo branch closed and left without a convenient ATM or branch. JPMC representative apologized to customer and referred them to nearest branches, Greenbrae, San Rafael, and CST.
San Jose-San Francisco-Oakland, CA
CSA
Sir Francis Drake and Shaw Dr
2023 1/14/2023
Initial Social Media message: And now our ATM’s and banks are closing in our area..you are forcing us to change banks after years and years of
service ???? JPMC FOLLOW-UP: Hi! We saw your comment and we know how convenient it is to have ATMs and branches near your area.
Please know that your feedback matters to us. Rest assured this has been shared internally to make sure your voice is heard. Can you provide
us the location of the ATMs & branches that are closing so we can check further? Customer FOLLOW-UP: I live in levittsburg Ohio. We did
have a branch on West market street in Warren. The branch closed but the ATM was still open. I just went there today to find out it has now
closed. The branch in Newton Falls and it’s ATM closed and We used that branch a lot. The branch on Elm rd and it’s ATM also closed. We very
rarely write checks And use our debit card for almost everything including pulling cash From our direct deposit checks and now Must travel 20
minutes just to get to a branch. We already get feed enough and so I will not use a foreign ATM for them to charge me $3 you charge me $2
Because I used it
JPMC representative contacted the customer and advised Some branches including ATMs are temporarily or permanently closed due
to consolidation. Our Retail Strategy Team keeps track of popular requests via feedback and reviews expansion plans on a regular
basis. Thank you.
Youngstown-Warren, OH-PA CSA West Market Warren
2023 1/20/2023
Customer was called to provide resolution as they were asking we reverse the Monthly service fees being charged on their account. Customer
was advised that could not be done as the account has reached the maximum fees to be reversed and there was no bank error they are
receiving the fees because the account is not meeting the criteria to waive the fees. In the course of this discussion customer made statement
that we are doing nothing in the communities where we are located and that they checked that this is documented in our CRA records.
JPMC representative contacted customer and apologized for the delay and service. Advised customer I have received their feedback
and it will be documented.
New York-Newark, NY-NJ-CT-PA CSA
2023 3/6/2023
THE REP DOESN’T CARE ABOUT THE CUSTOMERS I’VE MADE AT LEAST 50 REQUESTS FOR CHASE TO COME THRU ON WHAT THEY PROMISED
TO THE PEOPLE THAT LIVE IN EATON OHIO WHERE A BRANCH BANK WAS LOCATED AND THEN UP AND LEFT THE TOWN AND PROMISED TO
OUT A ATM IN EATON! IT’S BEEN 3 YRS AND STILL NO ATM! I’M A DISABLED VETERAN AND NOW I HAVE TO DRIVE 40MINS 1 WAY TO GET TO
THE BANK TO DO BANK BUSINESS AND IT’S CRIPPLING MY FINANCIAL SITUATION I SPEND 60$ ROUND TRIP FOR GAS WHEN CHASE COULD
SOLVE THE SITUATION BY DOING WHAT THEY PROMISED OUT IN ATM! IF IT WAS A SIMPLE MATTER OF SWITCHING BANKS I WOULD HAVE
ALREADY DONE IT YEARS AGO BUT IT NOT EASY BECAUSE I’M A VETERAN ITS A HARD PROCESS THAT WHY I SWITCHED FROM 5/3 TO CHASE
AND THAT WAS IT BUT CHASE HAS AND IS DESTROYING THE REPUTATION THEY ONCE HAD BY LYING AND THE FACT I THOUGHT THEY CARED
WHEN THE MY REALLY DON’T! THE BANK PROMISED TO PUT IN AN ATM IN EATON, OHIO IF IT EFFECTED SOMEONE FROM CHASE I BET IT
WOULD HAVE BEEN THERE WHEN CHASE CLOSED THE BRANCH! CHASE DOESN’T CARE WHAT IT’S DOING TO GOOD PEOPLE. I’M OUT 5000$
FOR THE LAST 3 YRS OF HAVING TO DRIVE THE MILES ALL THE TIME THE EVERYTHING I HAVE TO DO JUST TO DO NORMAL BANK BUSINESS!
WHEN THE BANK LEFT THEY MADE PROMISES ON WHAT THEY WOULD DO FOR US CUSTOMER’S THEY SCREWED BY LEAVING US ALL HIGH AND
DRY AND SCREWED! I HAVE MADE SO MANY COMPLAINTS TO EVERY CHASE BANK THAT I HAVE TO DRIVE TO JUST TO DO BANK BUSINESS AND
STILL NOTHING WHEN I AM NOT THE PERSON IN THE WRONG, CHASE LEFT US. I HAVE MADE CLOSE TO 50 COMPLAINTS WITH EVERY BRANCH
I GO TO, I’VE CONTACTED CORPERATE NUMERIOUS TIMES I E MADE A COMPLAINTS NUMERIOUS TIMES I’VE DONE EVERYTHING HUMANLY
POSSIBLE TO GET CHASE TO SEE WHAT HAVEING TO DRIVE THE DISTANCE I HAVE TO, TO GET TO A CHASE BANK IS CAUSING ME SEVERE
MONEY ISSUES AND I’M SOOOOOO TIRED OF IT! CHASE PROMISED WHEN THE BRANCH CLOSED IN EATON THEY WOULD GIVE US A ATM TO
DO BUSINESS AND IT’S STILL NOT DONE AND WILL NEVER BE! I’M SO SICK OF IT! EVERYONE LIES AND LIES AND LIES ABOUT WHAT CHASE WILL
DO ABOUT IT NOTHING THEY DONT CARE ABOUT WHAT PROMISES WHERE MADE! I WISH I HAD NEVER SWITCHED BANKS! IT’S JUST ONE
MORE WAY FOR ME MAKE A COMPLAINT AND GET THE PROMISED MADE TO THE CUSTOMERS OF WHAT ONCE CHASE BANK IN EATON OHIO
AND HOW WE HAVE NOTHING BUT TO DRIVE 40MINS ONE WAY TO GET TO A CHASE BANK AND A CHASE ATM! IT’S MAKING MY LIFE A
COMPLETE AND UTTER MESS AND I CAN’T TAKE IT ANYMORE!
JPMC representative contacted the customer and detailed voicemail advising that we reviewed her complaint and explained that after
review, base on her address on file, we do see that the nearest branch is 12 miles away. Unfortunately, we do not have anything
closer. I explained that her feedback will be shared with management and thanked her for it as well. Provided contact information in
case she has any questions.
2023 3/28/2023
Customer sent email that he was unhappy about our new savings bond policy of not being able to cash bonds over 200 face value. Also was
unhappy that his SDB was closed when the Seaford branch was closed.
JPMC representative contacted the customer and he wants to end relationship. When Seaford branch closed customers were given
the option to close or transfer box to another location.
New York-Newark, NY-NJ-CT-PA CSA Seaford
2023 3/30/2023
Client emailed me directly and said the following There is some concern about the 87th Cottage branch. It s been reported being closed
yesterday and today.
JPMC representative contacted the customer to apologize, offer assistance, and reassure him that this is not a pattern.
Chicago-Naperville, IL-IN-WI CSA Cottage Grove
2023 3/14/2023
[REDACTED CONTENT]-- thanks for calling. I didn't return your earlier call because I suspected, correctly, that Chase wasn't contacting me to
see how I was, but to sell me something. I am not interested in having another account as I don't need one, and I hafe little confidence in
Chase, and most especially this branch. My experience with this branch has not been very good overall. I almost moved my account last year
and still considering it. Amongst other things I was told that I did not qualify for private banker status which I thought I had when I opened
the account. I have found this branch closed a few times rather mysteriously and the constant churn of people there made it seem like a temp
office. When I received a letter from Chase last year about my account-- I had moved to my revocable trust like hundreds of thousands of
other older Americans-- I was threatened with possible penalties and forcibly moved to a business account. Of course none of these issues
were raised when I actually came to the bank to make this change. It was clear that no one there was familiar with such a trust (I have two
other bank accounts and needless to say this did not happen with them.) When I called Chase to clarify the situation I was told I should
perhaps use another branch. There was another time when my bank card wouldn't work properly and no one at this branch had a clue how to
fix the problem (I can't remember what exactly it was but it did not require a rocket scientist), whereas I walked into the Navy Yards branch
and it was fixed in less than 5 minutes. Another time I was unfairly charged a fee that took absolutely forever to get cancelled. Finally it does
not give me great comfort to use this branch's ATM (for whatever reason Chase closed the ATM north of Dupont Circle after 2 plus years of
construction) while a burly security guard actually leans over on top of the ATM while I'm using it and he is scrolling through his phone,
perhaps even playing a video game. Seriously? Altogether this branch, and maybe even this bank, gives me the impression of a lack of
seriousness about retail banking and dealing with customers, at least in this town.
JPMC representative attempted to contact the customer a minimum of three times to get the feedback/complaint and was
unsuccessful. A no contact letter was sent to the customer.
Washington-Baltimore-Arlington, DC-
MD-VA-WV-PA CSA
CRA Public File Written Comments 2023
JPMorgan Chase Bank N.A.
Chicago-Naperville, IL-IN-WI CSA
Highland
Dear [REDACTED CONTENT]:
Attached please find the first letter that I received on January 20,2023 terminating my "personal" relationship with Chase. Imagine my surprise
... ! have been with Chase for the better part of the last 36 years, from opening my first Chase account as an employee through owning Diners
since, essentially doing the same banking functions the entire time. Most of my balances have a paper trail with very little going in as cash.
Absolutely no new banking functions at all.
While ALL businesses that are open to the public reserve the right to not serve anyone they wish, with or without a written contract, when
put to task, must respond with a reasonable explanation to prove that it is not because of any prejudices or redlining which is illegal. If in my
case the "unusual activity" was the actual reason, Chase would have no problem delineating exactly which transactions were deemed as such
and that_ would be that but in the absence of that, it appears random and one is only left with prejudice and/or redlining as a possible
answer.
Further, Chase has handled this absolutely horribly with no regard for the customer or what it means to them. To date, I have never been
formally notified about the third personal account or my 4 business accounts, which I am the sole signatory. If I am such a bad character, that
it was necessary to sever ties, J would think all 7 accounts would have been affected. Due to these facts, I was certain that it was some sort of
computer glitch. I went to my branch to find out that it was not and was informed that the 3rd personal account was included but not the
business accounts. I next called the number on the letter. The young man who answered, not an officer of the bank, just kept repeating and
repeating the same canned response and said he would simply terminate the phone call. I asked for a supervisor to call me back and 2 days
later, I received that call. Again, not an officer of the bank, again repeating and repeating the same canned lines, not answering any questions
pretending you're not asking them. She did, however, escalate this to the "executive team". I received a call from a [redacted] (ext #
[redacted]) from the executive team on 2/3, which I couldn't answer but did return the call 5 minutes later and another 8 times to date with
no response. I then receive the 2nd attached letter on 2/23 which again states nothing. Again, without any explanation, this leaves one to
conclude that it is in fact due to prejudices. Additionally, on February 18th, I made what I thought was my last deposit in cash at the branch
and it was accepted into account # ... [redacted] proven by the deposit slip (See attachment 3). In fact, unbeknownst to me, it was not
accepted and the transactions have now disappeared. Chase then redeposited it to ... 0516 on Wednesday, 2/22 whatever that's supposed to
mean because this was a cash deposit, not check or transfer, green cash. Redeposited?? I called and once again received no explanation as to
why Chase deposited cash into an account that was described to me as not being able to receive deposits or withdrawals after 2/18. This cash
was then transferred by Chase to my 3rd personal account which Chase is now stating is not closed???
This comedy of errors would be funny if it wasn't so insulting. Closing a very long-standing relationship causes an amazing amount of burden,
not to mention financial cost, to the customer and Chase chooses to make it as frustrating and difficult as they possibly can. Chase does not
even deem such an event worthy enough to have an officer respond or in the end anyone at all.
I realize that in the scheme of things I am not a big customer, but I am certainly owed some respect or, at the very least, common
consideration. At this time, I am looking for the "unusual activity" that caused Chase to take such severe action, without warning.
Sincerely,
[REDACTED CONTENT]
JPMC representative called customer and provided resolution, spoke to customer, apologized for the service and experience, discussed
account closure. Advised customer their feedback will be documented.
New York-Newark, NY-NJ-CT-PA CSA
After 23 (I think) years I am leaving Chase. The branch closest to me is on Cline Ave. In Highland, IN. There is no drive thru,the ATM's are
always down, there is always trash all over the lot, the abandoned drive thru structure where the ATMs are located, has been damaged. It's an
eye sore. Despite no access to my acct online during the pandemic and horrible customer service at my Traverse City, MI branch, I stayed with
Chase. And now with the constant inconvenience of the ATMs not working, and resulting in multiple trips and driving around to other
branches, I still stayed with Chase. But on February 11, when I ran into the branch to check my balance, the indoor ATM was not working. The
main screen was blank and I could not remove my card. There were 3 tellers behind glass who were not real eager to assist, though I was the
only customer in the bank. I was in a rush to get to work and had not anticipated that even the interior ATM would not work. And then
[redacted] copped an attitude when I asked a question. I muttered something like I don't know why I continue to bank here. [REDACTED
CONTENT], in a combative way, asked if I had my ID, she would be happy to close my acct. She suggested I go down the road if I was unhappy
to look for a manager named [redacted]. The other 2 tellers were quiet while [redacted] did her best to escalate the circumstance - I imagine
she has a strong and unprofessional demeanor so her co-workers feel helpless to try to assist the customer. I was infuriated. As I was walking
out, the only other person in the bank was the financial planner who made it VERY clear he is not a Chase employee and has nothing to do
with tellers....nice representation. I would recommend that he is trained to learn to say I am so sorry. Could I get your contact information to
share with teller's manager? Instant satisfaction had that happened. But it seems that no one takes pride in the facility, their roles or
providing minimal customer service. And I do not put the majority of the blame on the individuals, because Chase has neglected this branch
for years - dirt rolls downhill. So Thursday Feb 12 I swung by to deposit a check. I approached the teller on the far left, to avoid [redacted]
who was at the center window. As I was making my deposit, [redacted] stopped the branch manager who was walking behind the teller line.
She began to relay her version of the previous morning - possibly because she thought I would complain and wanted to get her story out
there first. But I had moved on. I was there to make a deposit. I had chalked it up to the fact that it's a tight labor market, and there are many
people trying to do jobs for which they are not a good fit. But after the manager had walked away, [REDACTED CONTENT] continued to hold
court for her co-workers. She was doing a full-on impression of me, with an unflattering voice and imitating my gestures for the other two
tellers. Right in front of me. I was humiliated. This morning, thankfully, the ATM in the parking lot worked. I will never go into that bank again,
because there is teller who will go out of her way to make me uncomfortable and the other employees will stay silent while [redacted] does
her best to verbally bully customers she doesn't like. After making a withdrawal, I went to a competing bank in the community and opened a
new acct. I will close my acct at a different branch because I will never step foot back in the Cline Ave branch again. I am a creature of habit,
and likely would have remained an unhappy customer for years, but [redacted] has taken away that option.
2023
1/15/2023
2023
2/23/2023
Hello [REDACTED CONTENT], Thank you for contacting us. We're sorry to hear about your unpleasant customer service experience. We
strive to provide outstanding customer support, and it's disappointing when we fall short. This is never the type of experience we
want you to have. [redacted], your feedback is important to us. We will share it with the appropriate team. We will also forward the
feedback to the manager of the said branch. We value your relationship with us, and your satisfaction and banking experience is one of
our highest priorities. If you need to contact us again, please send a secure message. Thank you, [REDACTED CONTENT] Chase Email
Servicing
2023 4/7/2023
My name is [REDACTED CONTENT] and I was a client of Chase Bank until this week when I realized that they were not meeting the needs of
the community. In particular, their lack of tellers, or any ability to transact checking and savings business without the use of an ATM card, and
with only the availability of an ATM to handle transactions.
Chase's decision to have only ATM's at this branch severely limits their ability to provide services t the low to moderate income client. The low
to moderate income client is comprised to a large extent of the elderly like myself. We are of a generation that doesn't always know how to,
or even trust the technology of today, and their inability to service our needs is apparent. This branch has no ability to handle cash
transactions of any kind. My generation is a cash generation, and Chase is totally ignoring our class.
For instance, when I opened the account at Chase, it was a fairly large deposit that I didn't want to put at risk of being hacked. This has
happened to me numerous times, and I did not want to expose those large funds to that. I purposely declined their ATM card or to do my
banking online. However, when I went in to cash a little $230.00 check at two different branches I was turned aw y because Chase chooses to
ignore the needs of my generation.
It’s my understanding that if my account gets hacked that Chase’s exposure is legally only $50.00 but at one point I had over $700,000 that
would have been exposed if I had taken their ATM card r did my business online. I'm not willing to take that risk and closed my account, again
bee use of Chase's decision to ignore my needs.
While I was promised to get a call from a manager, no one took the time to reach out to me to quell my concerns or suggest options that
might work. The management at Chase not only ignores m generation with their lack of being able to handle cash, they also apparently don't
care if we take our business elsewhere.
They should either provide the services of a bank, or have their branch approval denied.
My contact info is [REDACTED CONTENT] or my email is [REDACTED CONTENT]
Dear [REDACTED CONTENT]:
We are responding to your complaint about the services provided at our branches and your request to review and add your complaint
to our Community Reinvestment Act (CRA) files. Thank you for sharing your concerns.
Our Ridge and Highway 20 branch as well as our Sugar Hill branch are companion branches and do not offer all services provided by a
full-service branch. The branches do not have a teller line and transactions can only be made using an ATM. We’re sorry that we could
not assist you with cashing your
check and apologize for the inconvenience this matter has caused you. We are also sorry to learn that you closed your account.
We understand you made a request to review our CRA public file at our branch, but the branch did not assist you in a timely manner.
You later visited another branch and our CRA public file was provided to you. You also gave our branch manager a letter dated April 7,
2023, which contained your specific
complaint details related to the CRA.
During our call on May 17, 2023, you asked us to include the letter you gave us in our CRA public file. Your request was forwarded to
the appropriate team and your complaint will be included in the next update to our CRA public file on April 1, 2024, as our file is only
updated yearly.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it is strictly against our policy
and contrary to our corporate culture.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED CONTENT]. We accept operator relay
calls. We are here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
Buford and 985
2023 4/18/2023 Client is disappointed that other branch closed and is not happy with the location of the ATM at new branch Apologized and let client know we would escalate his issue to upper management.
2023 4/22/2023
Customer is upset since unable to find the safe deposit box. Customer had relocated and the branch closed. Customer received an ebill.
Wants to escalate since cant locate which branch has the safe deposit box
N/A
2023 5/3/2023
I AM EXTREMELY FRUSTRATED. FOR YEARS I HAVE HAD OVER $110K IN MY CHASE SAVINGS. FOR YEARS I MADE BARELY A DIME IN INTEREST.
THE LOCAL BRANCH CLOSED & EVERY TIME I WENT INTO THE CLOSEST BRANCH IN FRANKLIN, NJ I WAS GIVEN A VERY DIRE PICTURE OF THE
CD RATES OR INVESTMENTS. AS A RESULT I WITHDRAW ALL BUT $5K IN MY SAVINGS AND MOVED TO ANOTHER BANK TO OPEN A CD THAT
WAS PAYING 5.25% INTEREST. NOW I AM SUBJECT TO A $25 MONTHLY FEE? IF THERE IS NOTHING THAT CAN BE DONE TO WAIVE THIS FEE I
WILL HAVE NO CHOICE BUT TO CLOSE THIS ACCOUNT. PLEASE ADVISE. ????????????????????????????????????
This is a Non-Escalated Complaint that does not require follow-up.
New York-Newark, NY-NJ-CT-PA CSA
2023 5/8/2023
Hey @Chase Bank we have been a long standing customer with your bank. I am wondering why you aren?t willing to work with us on New
Market Tax Credits to help fund our Center in a impoverished neighborhood . Should we take our business elsewhere?
Hello. We saw your tweet and wanted to reach out. While we recognize the commendable goals of your organization we won?t be
funding your program at this time based primarily on our community development priorities. You can find our community
development priorities at https://t.co/3zQNMS2mwF
2023 5/10/2023
Customer has been a Chase customer for many, many years. Customer recently purchased a second home (brand new) in Wilmington, NC.
Customer ran into some difficulty when it came time for them to wire their funds to the closing attorney. There are NO Chase banks in
Wilmington, NC. Customer had to drive 2 hours to a Chase Bank in Garner for a wire transfer. Then two hours back to Wilmington. From one
of our employees in Gamer that this is a common occurrence. Customer believes it is time for Chase to open a branch or two in Wilmington.
Customer does not relish the thought of changing banks nor does wish to do so. Customer hopes Chase takes customer suggestion seriously
and follow up with at least one branch opening in Wilmington as soon as possible.
JPMC representative informed the customer that we have reviewed her concerns and I have been informed that there are no plans to
expand to the Wilmington area. Advised that we have shared her feedback with the appropriate LOB for review.
2023 5/20/2023
Hi [REDACTED CONTENT]!
I typically would never email you outside of business days and hours, but when my team presented me with the attached summary of my 30-
year relationship with Chase Bank coming
full-circle, I was so moved that I wanted to immediately share it with you.
Why you in particular?
Because whether you know it or not, you have played a key role in bringing my relationship with Chase full-circle after three decades. And I
am grateful!
Thank you for connecting me to [redacted] and [redacted]. And thank you for taking an interest in not only my success, but the success of all
small business owners here in the Valley.
Blessings!
[REDACTED CONTENT]
N/A Las Vegas-Henderson, NV CSA
2023 5/25/2023
Your overdraft policy states that i am allowed 3 overdrafts up to the amount of $103 and charged for the 1st one to exceed $50 . i have not
exceeded $50 and i only used it once this month . my overdraft is ALWAYS backed by my social security direct deposit and i am being
discriminated by chase bank i am being denied overdraft without reason. i feel i am being discriminated due to low income because i am
disabled. THIS HAS GONE FAR ENOUGH!!!! YOU HAVE BEEN REPORTED TO THE BANKING COMMISSION! the transaction i was denied was for
food needed for medical reasons! if i end up in the hospital chase gets held liable! i activated overdraft for end of the month out of everything
times and denying me is defeating the purpose! answer to the banking commission you discriminating trash company people!
JPMC representative contacted the customer via letter.
Thank you for contacting us.
[REDACTED CONTENT], for your Chase Debit Card Coverage we may choose to pay overdraft transactions based on your account
history, deposits you make and transaction amount.
If you're referring to Chase Overdraft Assist. Chase Overdraft Assist does not require enrollment and comes with eligible Chase
checking accounts.
With Chase Overdraft Assist(SM), we won't charge you an Overdraft Fee if you're overdrawn by $50 or less at the end of the business
day OR if you're overdrawn by more
than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 p.m.
Eastern Time to make a deposit or
transfer).
Our records do not show any Insufficient funds fee posted into the account.
Thank you for being a Chase customer.
2023 5/26/2023
Dear Mr. Dimon,
I am writing to you in regard to the closing of the Chase Bank at North Shore Towers in Floral Park, New York (Branch NYZ-0218). This complex
is comprised of three buildings with over 1800 apartments, primarily senior citizens.
Please understand that having this Chase Bank in the building has been a life-saver for the residents and community here. For many people,
this bank has been the only accessible branch. It's difficult for most residents to leave the building without the help of aides or family
members. It is not easy for many of us to utilize banking apps, so having the in-person branch is essential.
In addition, many of the residents here often require access to cash. There are more risk factors involved for senior citizens to travel to other
Chase Banks to obtain it.
Therefore, as a client of Chase for almost 70 years, I am writing to express deep concern for this decision and request that your team
reevaluate it. We know that often decisions are primarily made by only looking at the bottom line. However, I am asking you to reconsider the
closing this bank. And when you do, think of your parents and grandparents and the future you… it might just change your mind.
Please feel free to can me directly to further discuss this at [REDACTED CONTENT]
Sincerely,
[REDACTED CONTENT]
JPMC representative contacted the customer via phone and explained the lease was expiring and the branch would not remain open. New York-Newark, NY-NJ-CT-PA CSA North Shore Towers
2023 6/1/2023
Customer mentioned Chase on a public tweet, stating that she's a real estate agent and every time she deposits a check, Chase holds it for 8
days. She mentioned that Chase doesn't support and respect small black business consumers, and added that if she was white or worked for a
company, this issue would not be a problem. Lastly, she stated that Chase outsources their customer service to other countries and they treat
US customers like [expletive].
There is not enough information given to identify the customer or their account.
2023 6/23/2023
OCC complaint: I have two fees that were illegally charged on my checking account [REDACTED CONTENT]. I needed to move funds from my
checkless checking account to another bank account at a different financial institution. Because this is checkless I am not able to simply write
a check but instead have to take my debit card and do an over the counter transaction at my bank and have it deposited. Checkless checking
accounts are generally used for low income and student accounts due to their easily accessible nature and usually are low or not cost, BUT I
was charged $75 for an over the counter fee on my Chase Checking for a $1500 transfer, and a $150 fee for a $5000 transfer. I have no other
option for this account to move funds, and needed to deposit more than the ATM daily limit for Chase. Chase is taking advantage of students
and those without benefits of being able to afford an account that gives more easy access to funds. I would like the $75 and $150 fees
reimbursed to my account, and I would like this non-ATM cash access fee removed from this type of account due to its prejudicial and
discriminatory nature against students and low income individuals.
JPMC representative contacted the customer via letter.
Dear [REDACTED CONTENT]:
We are responding to your complaint about the non-ATM cash fee we charged you. Thank you for sharing your concerns.
We take complaints that claim discrimination seriously. We do not tolerate any form of discrimination as it is strictly against our policy
and contrary to our corporate culture.
We reviewed the non-ATM cash fees charged to your account ending in [REDACTED CONTENT]. We found that we charged these fees
correctly, but we credited $150 to your account on June 28, 2023, as a courtesy. We respectfully decline your request to refund the
$75 non-ATM cash fee, because there was no bank error made.
We provided you the Additional Banking Services and Fees for Personal Accounts agreement when you opened your account, and you
agreed to these terms when you signed the signature card. The agreement advises you that there is a 3% fee, calculated from the
dollar amount of the transaction, when you use your debit card to withdraw cash from a teller at a bank that is not Chase. You can see
the current agreement by signing into your account on chase.com.
Your account is listed as a Total Checking account, which allows you to use checks to pay and withdraw funds. We do not have any
checking accounts for people with lower incomes. We have multiple options to complete transfers between financial institutions.
These options include a wire transfer, setting an automatic transfer, writing a check, using Zelle, or withdrawing funds from an ATM.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED
CONTENT]. We accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6
p.m. Eastern Time.
Sincerely,
Executive Office
2023 6/26/2023 Client not happy that the Mission Bay Dr branch closed.
JPMC representative empathized with the client and provided an alternative branch and point of contact for future needs.
San Diego-Chula Vista-Carlsbad, CA
MSA
Mission Bay Dr
2023 6/28/2023
Dear Mr.Dimon.
Hope you will be able to help us. I'm a resident of New Rochelle, NY. I live on Pelham Rd.
Our Pelham Rd Chase Bank was closed down and we all very upset about it. It was such a convenient for all of us that lives on Pelham Rd
because all of the apartments buildings that are located in the area. Now we have no bank here. Many people that reside in the area are
seniors and don't drive.
The other Chase bank that is located on North Ave and Huguenot St is not safe to go to because of the people hanging around that bank are
begging for money and a few people were mugged there coming out of the bank, beside all of the homeless that are hanging around there.
I really hope that you will bring back that bank for all of us. We really need your bank in this area.
I have been one of your customer for many years now beside everyone around here.
We will really appreciate your help in this matter.
Thank you so much for your time
Sincerely
[REDACTED CONTENT]
JPMC representative called customer and informed them that the bank has made a decision to consolidate to our New Rochelle
branch. I informed the customer the we show the branch is within 1 mile from her location. The customer states that she is choosing
not to visit that particular location.
New York-Newark, NY-NJ-CT-PA CSA New Rochelle Pelham
2023 7/10/2023
First off I am disappointed that Chase will be closing. We have had a great relationship over the years and we visit often! I know you have a
long history with Chase and I trust they will take care of you.
N/A
2023 7/14/2023
Customer is upset since her branch closed and she had to open a new box in a different branch. She originally had her box under trust but she
opened the new box under her name.
JPMC representative spoke to customer and explained SDB ownership change process. Los Angeles-Long Beach, CA CSA
2023 7/19/2023
Customer states a lending advisor called and honored her request to see the numbers without buying points, but inflated the interest rate to
7.99% which was higher than the national lending rates of 7.3%-7.6% offered on 7/18/23. Customer's desired resolution: Address the
predatory lending practices that put low income buyers in a position to be unable to repay the debt or default by indebting them.
JPMC representative contacted the customer via letter.
Dear [REDACTED CONTENT]:
We are responding to your complaint about the application process for your loan above. We appreciate the opportunity to assist you.
We received your application for a loan with an interest rate of 6.375% on May 16, 2023. We sent you a Home Loan Application
Package with all the legal disclosures we’re required to provide, and a Mortgage Conditional Approval Letter listing any conditions that
needed to be met for approval. The information on our website is general information, and our customers must qualify for the
advertised programs.
When you locked your rate, you spoke to your home lending advisor about the points and fees and your options. You then decided to
pay points to lower the rate. After you locked your rate, you spoke to other lenders with lower rates. We also had lower rates at the
time, but you had already locked your rate. You qualified for a $5000 grant and a $500 homebuyer education credit. These credits
were similar to the points you paid to obtain the lower rate. When you asked us if we had inflated your rate, we assured you we did
not inflate the rate provided. On July 19, 2023, you asked us to lower your points and increase your rate. We approved your
application, and your loan closed on July 24, 2023.
We take complaints regarding employee conduct and that claim discrimination seriously. We do not tolerate any type of behavior that
is contrary to our policy and corporate culture.
If you have questions about your loan application, please call us at 1-800-873-6577 Monday through Friday from 8 a.m. to 10 p.m. and
Saturday from 9 a.m. to 5 p.m. Eastern Time. If you still need help, our office is available Monday through Friday from 8 a.m. to 9 p.m.
and Saturday from 9 a.m. to 6 p.m. Eastern Time. We accept operator relay calls.
Sincerely,
Home Lending Executive Office
2023 7/21/2023
Dear Sir:
I am writing to protest Chase's closing of the branch at 3868 N Lincoln. Although looking at the map of nearby alternative Chase banks shows
at least 10 facilities, none of the alternatives are within walking distance of my neighborhood. I have been a Chase client for about 30 years,
and I enjoy the short walk to the present bank branch's location. None of the alternative banks can be reached as easily as the 3868 N Lincoln
bank.
The small size of the bank adds to its welcoming atmosphere, too. Several of the bankers at this location know me by name and are easy to
talk to. I have always appreciated the small size of the bank because it feels like a personal service bank. I hope that the present staff will not
be losing their jobs.
I hope that Chase will work hard to find a location in the neighborhood which can replace the branch. It is a shame that Chase is closing this
branch and removing such an advantage to the neighborhood as well as to the bank itself. Please consider finding a nearby replacement.
Thank you for your attention.
Sincerely,
[REDACTED CONTENT]
Branch manager spoke with the customer regarding the circumstances surrounding the branch closure. Chicago-Naperville, IL-IN-WI CSA Lincoln Byron
2023 7/25/2023
Client upset we are closing due to distance to other branches.
JPMC representative called customer to address their concerns.
2023 7/25/2023
Customer is unhappy with the decision of the Chase branch in Aurora on Farnsworth closing down. He has his safe deposit box here and is
also unhappy that he is unable to transfer the box to another location as he is not choosing to close the box but rather the bank is choosing to
close it. He just wanted to voice his dissapointment of the location closing with hopes that his complaint could have the bank reconsider the
closure of this location.
JPMC representative called customer and apologized and submitted complaint on their behalf. Chicago-Naperville, IL-IN-WI CSA Aurora Farnsworth
2023 8/7/2023 Customer states that they are unhappy safety deposit boxes are closing in the branch. JPMC representative called customer and advised that all boxes were closing.
2023 8/11/2023
Good Morning Mr. Dimon,
I am writing to you this morning about the last and only branch left in Farmingdale, NY on Broadhollow Rd. It’s a shame that you closed the
branch on Main Street in Farmingdale considering all the businesses located there and how close in proximity it was to residents compared to
the one on Broadhollow Rd., but since I do not know what the cause of the closure was all I can do is comment on the remaining branch.
Unfortunately, there is not much good that can be said, the outdoor ATM is constantly out of funds, there is never a notary available (I
frequently visit TD down the block who always has a notary present), there is never enough staff during peak hours, they do not open on time
in the mornings (today is a prime example), the parking is abysmal, most of the staff are rude especially those in the “cage”….. it has honestly
become a chore to have to go there. I would be sending undercover inspectors to these branches to make sure that your employees are
representing your company in a manner in which you would approve because I do NOT think you would approve of how this branch operates.
Thank you in advance for your tie and consideration.
[REDACTED CONTENT]
JPMC representative called customer called the customer to address their concerns and apologized for their experience. New York-Newark, NY-NJ-CT-PA CSA Farmingdale
2023 8/16/2023
Customer inquiring about getting fee returned from safe deposit closure because the box closed was in a different location. She had to close
the previous box due to the branch closing. She opened another one inconveniently in a farther location but ended up closing it since she
found a box at another bank close by. Out of courtesy she is looking to see if she can get refunded the fee that came due of which she ended
up closing the box a few days after being charged.
JPMC representative called customer and informed them that anything fee related to the safe deposit box would have to be at the
discretion of the branch. The escalating banker did mention that it has been brought to their managements attention.
2023 8/21/2023
Hi Mr. Jamie Dimon,
I googled to get this contact email for you at CHASE. Hope all is well with you and your family. Has CHASE considered doing personal loans for
their long standing customers regardless of our monthly income? CHASE can get their money back automatically every month from those of
us that have checking accounts already where we can get $5,000 or less to pay off our bills and we pay back the
$5,000 or less charge automatically from our account in 24 months or more? It may help CHASE generate more money for CHASE'S stock
holders,etc. I have had my checking account with direct deposit with CHASE since 2012 thanks to the One Above. The reps did an excellent job
of helping me keep my account regardless of my check books being stolen, my bank card being resent to some one else because of Fraud,etc.
Did you know that they were planning to close the Kamms Corner Branch on the West Side of Cleveland Ohio that is near some of us
handicap, elderly, and other people in the area where I live. If they close as the letter I got states in October it will be harder for those of us to
get to the bank when we can or send our PCAs so we can get to our funds faster.
Regards,
[REDACTED CONTENT]
JPMC representative called customer and left voicemail with customer and thanked them for their feedback. Provided the details of
the next closest branch to them and advised that chase.com has a list of other ATM and branch locations near them. Apologized for
the inconvenience this has caused.
Cleveland-Akron-Canton, OH CSA Kamms Plaza
2023 9/6/2023
Client sent me an email saying he was inconvenient by the branch being closed. There was no forwarding branch to go to enclosed in sign.
Client went to Rayford branch and they were closed too and this really upset client. He had things to do and running around to different
branches and not being open was cause stress and delay on other things he needed to do.
JPMC representative called customer and advised them that branch was closed due to A/C problems and there was someone there
fixing the issue.
Houston-The Woodlands, TX CSA Rayford Rd and Imperial Oaks
2023 9/14/2023
Customer wrote Thanks for your response. (1) I'm not sure why I have to visit a branch if one of your colleague's will review my request. (2) I
have already been to the branch when we closed the safe deposit box - due to the branch closing - and was told we would not receive a
prorated refund. (3) I have filed a complaint with the FDIC concerning this matter not only for me but for the hundreds of consumers that
have safe deposit boxes at this facility. Please advise.
JPMC representative contacted the customer via letter.
Hello [REDACTED CONTENT],
Thank you for contacting us.
We understand the significance of your inquiry about the Safe Deposit Box Annual Rent. It's a pleasure to address your concern.
[redacted], while we want to help you and make sure that your request for refund is immediately taken care of by email, certain
requests must be handled by specialized team. This helps us provide you with customized solutions and better service.
We'll need to help you in person with regard to fee refund of the Safe Deposit Box Annual Rent as this type of fee cannot be refunded
by Customer Service by email nor by phone.
Please visit any of our branches for assistance. You can save time by scheduling a meeting on the Chase Mobile(R) app(1) or chase.com.
2023 9/15/2023
Dear [REDACTED CONTENT],
I hope this letter will find you.
I have been a Chase Sapphire card holder for a very long time and was banking at Bank of America.
I just moved from Los Angeles to the Charlotte metro.
First, [redacted] was completely unsatisfactory. Their hours in a very busy commercial/residential area were Monday- Friday 9 to 4 and closed
on Saturdays. I even had to update my address in person because I live in a newly constructed building and was unable to verify it. Your rep at
credit card services fixed it for me with ease.
So right basically right next to [redacted] is a brand-new Chase branch. Their hours are Monday-Friday 9 to 5 and Saturday 9 to 2. This is great
due to my work schedule. I was welcomed to Charlotte and felt valued by [redacted] (Ballantyne branch). The only thing that was missing was
blue and silver balloons out front. There is an amazing brunch place next door called [redacted]. You could have investment baking and reps
do a meet/great outside the branch on a Saturday. People love their dogs here maybe give out some dog treats.
My future dreams would be for Chase to open a branch in Indian Land, SC where I live. It is in a population boom with new residential,
commercial, and corporate offices going up all the time. A new hospital was just built. The [redacted] area would be great or by the new
[redacted] and Publix (I know they are building a [redacted] and [redacted] there). There would be wealthy clients available with all the senior
living communities (especially [REDACTED CONTENT]). The [redacted] Is the same unfriendly hours as above: [redacted]. The only real
competition for the whole area I see is [redacted].
My other Chase growth strategy is this:
One bank that always caught my attention in Los Angeles was [redacted]. They are an "Asian focused" bank.
Charlotte has a very large increase of Asians moving to the area. There is no bank where they can find their niche. [redacted] has no branches
here. They have three in the Atlanta metro.
This would be a prime opportunity.
Thank you for your time.
Sincerely,
[REDACTED CONTENT]
JPMC representative called customer and thanked them for taking the time to send us feedback. Customer was informed that their
feedback and advice has been documented internally for review.
Charlotte-Concord, NC-SC CSA Ballantyne
2023 9/18/2023
Hello [REDACTED CONTENT], I am one of your safety deposit box clients. I just closed my safety deposit box a couple days ago the fee was
with drawn from my account August 23. That is a less than a month ago. I paid for a service for a full year however due to the branch closing
down, I was forced to take my belongings out of the safety deposit box, I was advised by [redacted] the lead operator at the branch to call the
one 1-800 number for Chase to get a full refund. After reaching home and calling the 1-800 number they advised me that this needs to be
handled at the branch because that service is coming from the branch its self. I am a single mother of four kids and $55 is a lot for me and Im
not prepared to just hand out money to Chase for free. I need my $55 refunded as soon as possible. I dont appreciate employees at the
branch, giving me false information to get me out of the branch and not have to deal with refunding my money properly. I used to work at
the bank myself and this is not the way we deal with customers its unacceptable to be charging clients fees for service that is not provided to
us. Please contact me as soon as you get this on my cell phone at [redacted]. So that we can resolve this issue. Otherwise I will definitely take
further measures. Im sorry I wont just be giving chase $55 for free. I did not use the service and need my money refunded Thank you
[REDACTED CONTENT]
N/A
2023 9/22/2023
Thank you JPMORGAN and [REDACTED CONTENT] for nothing!!! I'm going to every Website online and advise people not to bank with Chase
as they have nothing in place to protect you from FRAUD. They will go after you and take any income, Social Security, Disability, anything to
recover their loss. A giant bank takes advantage of low income customers especially senior citizens.
JPMC representative contacted the customer via letter.
Dear [REDACTED CONTENT]:
We are responding to your complaint about returning your prior Social Security deposits. Thank you for sharing your concerns.
According to the Deposit Account agreement, we can consider all deposits as a form of payment when the account has a balance
owed. Please remove the ACH direct deposit with the Social Security Administration to avoid any deposits from being sent to the
account.
We take complaints that claim discrimination seriously. We do not tolerate discrimination as it is strictly against our policy and
contrary to our corporate culture.
We are sorry to hear of this unfortunate incident. We cannot approve your request. You were a scam victim and compromised your
account by giving out your account information. This is not considered fraud. We have many securities in place to protect all of our
customers. We cannot return your prior Social Security deposits. We have mailed you a final check, which you confirmed you did
receive. The account is closed.
You may choose to file a complaint with the Federal Trade Commission online at ftc.gov or by calling 1-877-382-4357. For information
about fraud scams, please visit chase.com/security-tips.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED CONTENT]. We accept operator relay
calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
2023 9/25/2023 Customer not happy the branch is closing. JPMC representative called customer and explained to the customer this is out of our control. Houston-The Woodlands, TX CSA Friendswood South
2023 9/26/2023
Customer not happy with the notification he got about the closing of the branch and removal of ATM's at the Wilshire Bixel location in
downtown Los Angeles. Sent me an email to voice this concern and annoyance at this situation
JPMC representative called customer and apologized for the inconvenience and informed him that I will log this as an formal complaint. Los Angeles-Long Beach, CA CSA Wilshire and Bixel
2023 10/9/2023
Thanks, [REDACTED CONTENT]! I appreciate your help this summer getting my kids set up with accounts. I dont think you can actually do
anything about it, but Im pretty unhappy that the Falcon branch is closing.It seems to be an incredibly short-sighted decision given there are
only 2 other banks here now. What Ive heard is that its because the branch wasnt generating enough new business except they didnt have a
banker here and a manager only 2-3 days/wk for nearly two years. I made appointments with you because I knew you and there was no one
in Falcon to make an appointment with at the time. We will almost certainly be moving our business accounts because Im not driving 10 miles
each way to Woodmen and Duryea to make a deposit every week. Our personal accounts are still a question only because we have our kids
already set up and thats a bunch of accounts to migrate but Chase will likely not be our primary bank anymore either. Again, I know you didnt
have anything to do with the branch closing and I doubt you even have a way to pass along my frustration (but if you do, please share it).
JPMC representative contacted the customer via email and advised that the complaint was logged. Colorado Springs, CO MSA Meridian and Woodmen
2023 10/10/2023 Customer was not happy with closing of safety deposit box and no refund.
JPMC representative called customer and apologized and adivsed that at the moment Chase is not offering refunds on sdb closing.
2023 10/12/2023
Dear Sir/Madam, I am writing to express my concerns regarding my recent visit to the branch on Ford Road and Canton Center Rd. My name is
[REDACTED CONTENT], and I was shocked to find the branch closed due to ongoing construction when I arrived. To make matters worse, I had
not been informed about this closure in advance, causing a great deal of inconvenience. My attempts to contact the bank at the phone
number [redacted] were in vain, as it directed me to call [REDACTED CONTENT]. I had been trying this number for the past couple of days, but
no one answered the phone. In an effort to resolve this issue, I booked an appointment online to meet someone at the branch. I was
scheduled to meet with [redacted], who, to his credit, called me this morning to explain the situation. [redacted] informed me that the bank
had closed temporarily for renovations, but this information should have been communicated to customers well in advance. This would have
allowed us to plan our banking needs accordingly and avoid unnecessary inconveniences. During our conversation, [redacted] advised me to
book an appointment for safe deposit box visitation through email. As such, I kindly request that someone from the bank contact me at
[redacted] as soon as possible. I have important items in my safe deposit box that I urgently need access to. I hope you can appreciate the
importance of this matter to me. Thank you in advance for your prompt attention to this issue. Sincerely, [REDACTED CONTENT]
JPMC representative called customer and explained the project, how long it will take, and how he would be able to access his box
during the temp closure. We schedule a future appointment for him to come in later.
Detroit-Warren-Ann Arbor, MI CSA Ford Rd Canton Center
2023 10/19/2023 (Customer) mentioned in an email that her last two Chase branches have closed down permanently.
JPMC representative contacted the customer via email and advised of other branches in the area and a banker she can work with. Seattle-Tacoma, WA CSA
2023 10/25/2023
Hi [REDACTED CONTENT]
I just learned that Chase will close the Bixel/Wilshire branch.
I’m very upset, especially because it seems that Chase will also remove all ATMs.
I know its not your department but if possible let the responsibly management know that a lot people in the neighborhood are upset about
this decision.
We moved all our account to Chase because it’s convenient with a ATM nearby.
The ATMs a Figueroa and Seven are in no way an acceptable replacement.
If possible Chase should let a ATM here.
Thank You
[REDACTED CONTENT]
JPMC representative called customer and sincerely apologized for the inconvenience and informed them that I will log this as an
formal complaint so that upper management can review this and take action as they see fit.
Los Angeles-Long Beach, CA CSA Wilshire and Bixel
2023 11/6/2023
Customer was disappointed that Chase is not renting SDB's and had to close his boxes because of Branch closing permanently on 12/15/2023.
He said he is taking his money to a different bank because of the recent closing of SDB's. Client wanted Jaime Dimon to know that he is not
happy with this short sighted decision, not happy that know one suggested a CD so he could make more money off his $191,000+, not happy
that the box is considered a lease and that we can just throw him and his belongings out on the street or his belongings would be sent to the
state. Says Chase doesn't care about customer relationships and safe keeping our content. I really haven't seen any offer to refund my rent on
the box. We have a $191,000+ balance on our account so I guess you really don't have the desire to have us continue banking with Chase.
Let's see you pay a pittance on my checking account(23.20 for ALL of last year. Let's see you will pay 5% on a CD so that 9,550. Not once have
you suggested I could earn 9,526.80 on the $191,000+ balance. Let's see your rate for a $191,000 mortgage is 7.677 is 14630.60 Seems like
deciding to stop offering safe deposit boxes is the stupidest short term thinking I've ever seen since becoming your customer in 1981.
Goodbye [REDACTED CONTENT]
JPMC representative called customer and apologized to the client, let him know I would register the complaint, and send his email up
to Corporate/Executive Office.
2023 11/10/2023
Why is Chase closing thd two banks that are centrally located to residents in the Clear Lake area and forcing patrons to use the only one still in
the area which is a significant distance to most evident. Only one subdivision is close to this location. Admiditly it is one with expensive homes.
JPMC representative called customer and thanked them for their service. Located a branch near him, informed him of where it is, as
well as let him know we can help with (online banking) and Mobile banking as well, with our premier account if he needs to use an
ATM outside of Chase he gets 4 ATM fees waived if he needs to use an out of network ATM. Will share contact information should he
need anything else in the future.
NM AZ - La Paz County, AZ
2023 11/20/2023
The client is upset that the branch is closing permanently. The client believes that the closure is an effort to push all transactions to an
electronic transaction and referred to Chase as being negligent.
JPMC representative called customer and expressed that I was sorry that the branch is closing and that the company takes a lot into
the consideration of consolidating a branch and that we unfortunately met the criteria.
New York-Newark, NY-NJ-CT-PA CSA Chatham
2023 11/28/2023
There is a limit of $400 that the Chase account allows me to overdraw in between pay dates. How is it that I am only allowed $400 overdraft
but the bank can tack on over $200 in fees after it’s overdrawn and have it at an almost $600 balance right before my next pay date!!?
I understand all of the policies and fine print crap but this ain’t right. This isn’t helping hard working middle class families or even lower class
especially.
We go paycheck to paycheck and can’t ever get ahead because of these banking scams. I shouldn’t have over a $400 overdrawn balance when
that was allowed in the first place, because of fees. And it should only be 1 fee based on the $400 overdraw. Ridiculous and unfair.
JPMC representative contacted the customer via letter.
Dear [REDACTED CONTENT]:
We are responding to your complaint about the overdraft fees charged to your account. Thank you for sharing your concerns.
We charged you a total of $204 in Overdraft Fees on your checking account ending in 6714 on November 21, and November 22, 2023.
The charges weren’t an error, and we applied the refund on December 5, 2023.
You can find information about when we will charge an overdraft fee in the Deposit Account Agreement. We provided you a copy of
the agreement when you opened your account. You see the current version
on chase.com.
One option to prevent overdraft fees for everyday debit card transactions, such as groceries, gasoline, gaming purchases, or food
delivery charges, is to turn off Debit Card Coverage if you don’t have enough in your account. When Debit Card Coverage is turned off,
we won’t pay everyday debit card transactions.
If you would like to opt out of this coverage, you can update your choice on chase.com, through the Chase mobile app, or by calling us
at 1-800-935-9935. Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number
[REDACTED CONTENT]. We accept operator relay calls. We’re here Monday through Friday
from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
2023 11/29/2023
Client was charged a safe deposit box fee in 5/7/23 of $102.72 and received a letter in July stating that the branch was closing. Client is upset
that we did not alert them in May, before they paid the fee, giving them the option to close the box and not pay the fee.
JPMC representative called customer and advised that a credit was applied to their account. Representative tried to contact the
customer a minimum of three times to provide this resolution and was unsuccessful.
2023 11/30/2023
What I really need more than anything else from Chase is an ATM to open near 8th and Market. The one at 8th and Market closed about a
year ago and the other ATM's in the area are not only further away, but all have issues. The one at Van Ness and McCallister isn't open on
Sundays, the one at 5th and Mission is regularly broken, and the one at Kearny and Market is really far. I understand the 8th and Market one
was vandalized a fair amount, but there are definitely solutions to this, such as putting the ATM inside a building with a bank card entry to
protect the machines. I go to the farmer's market on Sunday mornings, which is really the main reason I need cash, and dealing with the ATM
situation in Mid Market is very annoying. Please help to push internally at Chase for a solution to this problem. It will help a lot of people who
live in the area.
N/A
San Jose-San Francisco-Oakland, CA
CSA
2023 12/7/2023
Hi [REDACTED CONTENT],
Please notice the following news story reported by CNN today:
"Mortgage rates drop to lowest levels since August (CNN Business)"
Mortgage rates drop to lowest levels since August | CNN Business
cnn.com
Why is that not reflected in the rate(s) you are offering me? Your position does not make sense, especially considering
you and I are working with the Mayor's Office of Housing and Community Development, attempting to make housing
more affordable for low income San Franciscans like myself. You seem to be purposely defying market trends in this
particular case, for a non-white, low-income borrower with excellent credit. You haven't offered me an adequate
explanation, leading me to conclude the reason must be corporate greed towards a borrower with no other option.
Whew! I'm glad I got that off my chest. The rate lock expires tomorrow. What must happen before then to keep the
rate locked in?
JPMC representative called customer and apologized for their experience and frustrations and advised that the lending manager will
submit a pricing exception for the extended rate lock fee.
2023 12/17/2023
I needed to make a check deposit and that Branch the ATM was not accepting checks so I decided that I should enter the bank since it was
during business hours what a surprise there were four tellers working and a line almost to the door however there was only one teller
window open. This seems quite ridiculous the week before Christmas and at a time when the ATM is not performing standard transactions. I
waited my turn and felt that the service was accessibly slow and couldn't understand why there were three employees sitting around
apparently doing nothing while customers continue to wait. I would rate this customer service interaction a zero I don't feel that chase cares
about my business when they operate a local branch in this manner especially after closing our closest branch. I then decided that I would call
Chase to voice my dissatisfaction and share this information in the hope that maybe somebody at a managerial level might be able to do
something. Imagine my surprise went upon contacting Chase I was told that there was a 50, 50 minute hold time to speak to a representative.
The entire time that I was on the phone Chase constantly played a reminder that they valued my business as a customer, however when you
run a multi-billion dollar organization with billions of dollars in profits and simply don't employ enough staff to keep a reasonable sub five
minute hold time on any business day that you are open I don't understand how you can say you value your customer experience. We do all
of our banking through chase, savings accounts, car loans and have always been pleased with the service. However as of recently it seems to
have taken a turn for the worse, with our local branches closing, customer service wait times increasing, and having to wait almost an hour to
speak to a representative. None of this seems reasonable and none of this seems as if Chase cares one wink about their customer service or
their actual customers experience. I hope this message reaches somebody who can run it up the flagpole and share what a horrible
experience we're having here in [REDACTED CONTENT] with the Chase branches that are left after the recent closures.
JPMC representative called customer and apologized and took feedback for the branch and the ATM customer referred.
2023 12/19/2023
CHASE BANK: AFTER 7 YEARS AS AN ACCOUNT HOLDER, I HAVE CLOSED MY CHECKING ACCOUNT / SAVINGS ACCOUNT / WITH CHASE. TAKING
THIS STEP HAS BEEN ON MY MIN FOR SOME TIME. GIVEN THE CURRENT GENOCIDE ON PALESTINIAN PEOPLE AND THE SHAMEFUL ROLE OF
THE LARGEST BANKS (AND THEIR FOUNDATIONS) HAVE IN CONTRIBUTING TO THE FRIENDS OF THE ISRAELI DEFENSE FORCE, AS WELL AS
ONGOING PREDATORY PRACTICES HAVE PROMPTED ME TO TAKE ACTION. I WANTED YOU TO KNOW THAT I AM NO LONGER GOING TO BE
PART OF FINANCIAL INSTITUTIONS THAT PROFIT AT THE EXPENSE OF THE MAJORITY THROUGH UNFAIR FEES AND ESPECIALLY AT THE
EXPENSE OF ECONOMICALLY MARGINALIZED COMMUNITIES AND INDIVIDUALS THROUGH PREDATORY PRACTICES. I AM NO LONGER GOING
TO BE PART OF FINANCIAL INSTITUTIONS THAT DO NOT KNOW ME AND DO NOT CARE ABOUT MY SPECIFIC NEEDS AND QUESTIONS. I AM NO
LONGER GOING TO BE PART OF FINANCIAL INSTITUTIONS THAT PAY THEIR TOP EXECUTIVES EXORBITANT SALARIES ? AND BONUSES ? WHILE
THEIR CLIENTS FACE FORECLOSURE AND ECONOMIC HARDSHIP THAT COULD LARGELY HAVE BEEN PREVENTED. I AM NO LONGER GOING TO
BE PART OF FINANCIAL INSTITUTIONS THAT INVEST IN GENOCIDE, FOSSIL FULES, OR CLIMATE DESTRUCTION OF INDIGENOUS LANDS WHILE
THE NEED TO BE MOVE TO RENEWABLE ENERGY BECOMES INCREASINGLY DIRE EACH DAY. I AM NO LONGER GOING TO BE PART OF
FINANCIAL INSTITUTIONS THAT ARE NOT LENDING TO THE SMALL BUSINESSES THAT ARE THE ENGINES OF JOBS AND INNOVATION FOR OUR
ECONOMY. I AM NOW MEETING MY HOUSEHOLDS BANKING NEEDS WITH A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION. I NOW
HAVE A SMALLER COMMUNITY DEVELOPMENT BANK /CREDIT UNION THAT WORKS TO KNOW ME AND MY CIRCUMSTANCES. MY NEW
FINANCIAL INSTITUTION IS DEDICATED TO THE ECONOMIC UPLIFT OF STRUGGLING COMMUNITIES, NOT TO EXTRACTING PROFIT FROM
THOSE IN NEED. MY NEW BANK / CREDIT UNION IS HELPING ME PLAY THE CONSTRUCTIVE ROLE I WANT TO PLAY IN MAKING ECONOMIC
WELL-BEING A REALITY FOR EVERYONE. I CAN NOW TELL MY FAMILY / FRIENDS / CHILDREN ABOUT THE GOOD THAT MY DEPOSITS ARE
DOING. I ONLY WISH THAT THIS HAD ALWAYS BEEN THE CASE. IN CLOSING, THERE ARE STEPS THAT CHASE COULD TAKE TO IMPROVE ITS
IMPACT ON PEOPLE AND THE PLANET, ESPECIALLY YOUR ROLE IN FINANCING THE FOSSIL FUEL INDUSTRY. I URGE YOU TO JOIN OTHER BANKS,
INVESTMENT FIRMS, AND CORPORATIONS IN: *ENCOURAGING SHAREHOLDERS AND MEMBERS TO URGE FOR A CEASEFIRE * DIVEST FROM
ALL WITHHOLDINGS AND PENSION FUNDS ARE INVESTED IN ISRAELI COMPANIES (AND INTERNATIONAL COMPANIES THAT ARE COMPLICIT IN)
ISRAELI APARTHEID AND SETTLER-COLONIALISM; * CREATING FOSSIL-FUEL-FREE BANKING PRODUCTS TO MEET CONSUMER DEMAND. THANK
YOU FOR CONSIDERING THESE IMPORTANT AND TIMELY STEPS. UNTIL LIBERATION, [REDACTED CONTENT]
N/A
*Note: Portions of correspondence may be redacted to protect customer privacy
Year Comment Source
Comment Received
Date
Comment*
AA
(If known)
Branch
(If known)
2023
INSTAGRAM 1/6/2023
#BREAKTHEBANK #JANUARY6TH
#NATIONALWHITESUPREMACYDAY
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 19 FRI JAN 6TH
WELLS FARGO WEEK 23 SAT JAN 7TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d. MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
Los Angeles-Long Beach, CA CSA
2023
INSTAGRAM 1/6/2023
#BREAKTHEBANK #JANUARY6TH
#NATIONALWHITESUPREMACYDAY
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 19 FRI JAN 6TH
WELLS FARGO WEEK 23 SAT JAN 7TH
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d. MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
Los Angeles-Long Beach, CA CSA
2023
INSTAGRAM 1/19/2023
#BREAKTHEBANK
LAST SEPTEMBER 2022 CONGRESS CALLED OUT THE BANKS FOR FRAUDULENT zellepay TRANSACTIONS
JAN 18TH 2023 bankofamerica CUSTOMERS WAKE-UP TO FIND FRAUDULENT ACTIVITY ON THEIR BOA & ZELLE ACCOUNTS
WHY ARE BANKS BEING "ALLOWED" TO CON THEIR CUSTOMERS!?
CHASE BANK & WELLS FARGO CONTINUE TO INVEST MILLIONS TO BOOST THEIR PUBLIC IMAGE RATHER THAN PAY REPARATIONS
👉🏿 JOIN THE MOVEMENT 👈🏿
EMANCIPATION FROM EXPLOITATION
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 21 FRI JAN 20TH
WELLS FARGO WEEK 25 SAT JAN 21ST
THE BLACKS DEMAND
THE 7 MEGA BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
Los Angeles-Long Beach, CA CSA
2023
TWITTER 1/24/2023
@CapitalOne the same way @Chase closing some ATM locations early due to homeless people occupants/crime, you too need to do something
about the homeless people piggybacking into the #CapitalOne ATM location on Jamaica Ave and Sutphin Blvd
New York-Newark, NY-NJ-CT-PA
CSA
2023
TWITTER 2/5/2023
Hello - I needed cash this morning and your atms on 271 Larkfield road east Northport ny 11731 were not working. I had to go to another store and
get charged for using a non chase atm. This branch atms never work. I can’t afford these fees and hope I can be refunded.
New York-Newark, NY-NJ-CT-PA
CSA
East Northport
2023
INSTAGRAM 2/7/2023
“You can’t deny there’s a wealth gap.”-Eduardo Cabrera
During eddie_tranzcendent’s recent conversation with Eduardo they talked about Chase’s commitment to help build racial equity and close the
wealth gap that exist.
To watch the full conversation with Eduardo Cabrera, Community Manager at chase Bank, and learn more about the work that Chase is doing in our
low to moderate income communities please click the LINK IN OUR BIO or DM US.
*This interview was filmed at Chase Bank, 2125 Main St, Bridgeport, CT 06606*
#🎙YesYes #NewPodcast #Podcast #Interview #Chase #BridgeportCT #EduardoCabrera #serendipity #Community #CommunityManager #Financial
#FinancialLiteracy #Youth #Money #MoneyMatters #Purpose #Mission #Happiness #StayTuned #EddieTranzcendent #TranzcendentOutlook
#TranzcendentOutlookPodcast #BeTranzcendent
New York-Newark, NY-NJ-CT-PA
CSA
Bridgeport North End
CRA Public File Comments Received via Social Media 2023
JPMorgan Chase Bank N.A.
2023
INSTAGRAM 2/10/2023
#BREAKTHEBANK IF YOU HATE SEEIN PEOPLE UNHOUSED STOP DOIN BUSINESS W THE BANKS THAT TOOK THEIR HOMES
👉🏿 JOIN THE MOVEMENT 👈🏿
BREAKING GENERATIONAL CURSES ONE ACCOUNT AT A TIME
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 24 FRI FEB 10TH
WELLS FARGO WEEK 28 SAT FEB 11TH
THE 7 DEADLY BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
4e.
AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
5a. CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS #THEBLACKS
Los Angeles-Long Beach, CA CSA
2023
INSTAGRAM 2/10/2023
#BREAKTHEBANK IF YOU HATE SEEIN PEOPLE UNHOUSED STOP DOIN BUSINESS W THE BANKS THAT TOOK THEIR HOMES
👉🏿 JOIN THE MOVEMENT 👈🏿
BREAKING GENERATIONAL CURSES ONE ACCOUNT AT A TIME
#BANKBLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 24 FRI FEB 10TH
WELLS FARGO WEEK 28 SAT FEB 11TH
THE 7 DEADLY BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
1a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR THE BLACKS AFFECTED BY STATE SANCTIONED TERRORISM
2a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
3a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT CRIMINALIZE THE BLACKS
3b.
REPARATIONS FOR THE BLACKS WHO HAVE BEEN DEVASTATED BY THE PIC
4a.
REPARATIONS FOR DESCENDANTS OF AFRICANS WHO WERE ENSLAVED IN THE U.S.
4b.
CEASE SABOTAGING BLACK WEALTH
4c.
REPARATIONS FOR THE FINANCIAL HARDSHIPS YOUR INSTITUTIONS PRACTICE IN BLACK COMMUNITIES
4d.
MAKE EQUITABLE INVESTMENTS IN COMMUNITIES WHERE YOUR INSTITUTIONS DENY THE BLACKS EMPLOYMENT OPPORTUNITIES
4e.
AUDIT PROGRAMS DESIGNED TO HELP THE BLACKS & MAKE THESE PROGRAMS MORE EFFICIENT
5a. CEASE FINANCING CORRUPT POLITICIANS & POLICIES THAT CONTINUE TO OPPRESS #THEBLACKS
Los Angeles-Long Beach, CA CSA
2023
INSTAGRAM 2/17/2023
Empowering the Black community through financial literacy and growth! Proud to see our President, Todd McDonald and CEO, Alden McDonald, join
forces with Jamie Dimon, President of Chase Bank, for a meaningful discussion on building a brighter future for Black-owned banks
#BlackHistoryMonth #LibertyBank #ChaseBank #FinancialEmpowerment
2023
INSTAGRAM 2/22/2023
I absolutely love when community partnerships and support come together 🙏🏾 ❤️ . It fills my heart to sponsor events like this in support of
making an impact in the community.
OK, family, look at what we are doing for Black History Month 👀 🥁 please...presenting "Black Leaders in Our Community" #fortworth
Super excited for urbanvillagefamilyservices in collaboration with fw_communitymoe Monique Winfree of chase Bank‼️We are finishing up Black
History Month with a special event and will be providing 💰 Financial Literacy Workshops and Financial Services as a new service 😊
Join us next week from today, on Monday, February 27th at our center on 3116 E.Rosedale Street, Fort Worth TX 76105
RSVP here👇🏾👇🏾👇🏾 https://chase.surveymonkey.com/r/blkleadermixer
Thank you to our sponsors, Chase Bank, HOWARD Coaching and Consulting, LLC and Stop Six Realty, LLC
#thankyou #blackexcellence #blackhistorymonth2023 #collaboration #financialservices #community #urbanvillagefamilyservices
#blackownedbusiness #blackexcellence #blacksuperheroes #blackhistorymonth2023
#howardcoachingandconsulting #strategicplanning #consultingservices
Dallas-Fort Worth, TX-OK CSA
2023
TWITTER 2/27/2023
#Philadelphia: With the opening of a new community branch in West Philadelphia, JPMorgan @Chase provides community members with valuable
information and resources. #RacialEquity #COMMUNITY
ow.ly/zYCI50N3Nm5
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
West Philadelphia
2023
INSTAGRAM 3/4/2023
VIPS community partner Marlice Sanders, with Chase Bank, hosted a Financial Literacy workshop for VIPS' Take The Lead Scholars at Glen Oaks High
School. This workshop confronts generational poverty by teaching effective strategies to save and budget. Ms. Sanders also thoroughly discussed the
question of "What is Credit," the impact credit has on future purchasing power, and tips on how to successfully build credit.
Baton Rouge, LA MSA
2023
Social Media 3/6/2023
Customer service follow up: We’re constantly looking for ways to service more customers and we apologize for the long wait. May we know the
location of this ATM so that we can share your feedback? Customer response: St Rd 26 Lafayette In. One of only 2 branches and by proxy 2 ATMs in
Lafayette In. The fastest growing city in Indiana and already OVER 70k but in the last three years you have closed all of the branches closest to the
city’s growth.... FOLLOW-UP: Thank you for sharing this. Upon checking it appears that there are 4 branches in Lafayette and there’s no indication
that they’re closed. Is the entire branch closed are you just referring to the ATM? Customer response: The Teal Rd and Tippecanoe Mall locations are
closed. You have the Downtown branch and the one I was at. It was 5:45 when I pulled up to be the NINTH car in the line. I left the receipt at home
I’ll check it in a bit but I’m pretty sure I didn’t pull away until almost 6:20. After closing the mall location you at least kept the ATM for a year... But I’m
guessing you sold the building a few months ago because the ATM was removed from the building about 6-8 weeks ago. The branches in WEST
Lafayette are in a city across the river that is another 45+k population.
Lafayette-West Lafayette-
Frankfort, IN CSA
2023
INSTAGRAM 3/6/2023
Join us and our partners at Chase for a free financially healthy workshop that will teach you how to build your personal credit to help benefit your
small business moving forward! Tuesday, March 21, 2023 at 11am via ZOOM.
New York-Newark, NY-NJ-CT-PA
CSA
2023
Social Media 3/14/2023
Why all of a sudden @Chase banks and ATMs are closing or out of order? If y’all are going out of business just say that! Customer Service FOLLOW-
UP: @[REDACTED CONTENT] Hi there. Having access to our ATM vestibules at any time is important and I'd like to help you with your experience.
Will you please DM your full name zip code the exact branch location and any other details you'd like to share? Customer response: Good morning.
My name is [REDACTED CONTENT] and my zip code is 77502. The Chase banks all seem like they are closing. The one on Fairmont and Burke is closed
the one in shaver and 15th closed the ATM location on Richey and Allen Genoa is closed and so is the one on the Gulf fwy. Customer service FOLLOW-
UP: Thank you for sharing this [REDACTED CONTENT]. Upon checking it appears that there are 4 branches in Pasadena and there's no indication that
they're closed. Is the entire branch closed are you just referring to the ATM?
Houston-The Woodlands, TX CSA
2023
INSTAGRAM 3/15/2023
Yesterday we concluded our financial literacy class.
Over the period of 6 weeks our neighbors received valuable financial education. We are thankful to Chase bank for teaching it.
Stay tuned as another class is coming soon �
Dallas-Fort Worth, TX-OK CSA
2023
TWITTER 3/18/2023
#NABJEmerge23 Lunch & Learn with @WalterReports & Tanisha Ritter, Community Manager, Community & Business Development @Chase talking
the importance of Financial Literacy and Developing Smart Financial Habits pic.twitter.com/63fDs0YTUW
New York-Newark, NY-NJ-CT-PA
CSA
2023
INSTAGRAM 3/22/2023
The Mavericks’ charter is to advance charity, culture, community, and commerce through the West Valley.
Everything we do is done with the 4Cs in mind, so when we received the invitation to attend an event like The Chase for Business Experience, we
knew we had to participate. This one-of-a-kind event allowed local businesses to meet with industry leaders, network, and learn from the best in
multiple disciplines. Some event highlights included kurt13warner speaking about motivating teams and the ginblossomsaz getting attendees on their
feet, dancing, and celebrating to wrap up a phenomenal event.
To our partners at Chase, thank you for the invitation and all you do for the community.
#charity #community #commerce #culture #nonprofit #businessleaders #501c3 #giveback #togetherwecan #makingadifference #networking
#education #theexperience
Phoenix-Mesa, AZ CSA
2023
Social Media 3/27/2023
I LOVE THIS BRANCH, HOWEVER, I AM UPSET THAT THEY ARE NO LONGER OPEN ON SATURDAYS AND THIS IS WHEN WE HAVE TO DO OUR DEPOSIT
VISITS AND TRANSACTIONS. WE LIVE IN A RURAL AREA AND WITH THIS BRANCH CLOSING SATURDAYS WE HAVE TO DRIVE A HOUR AWAY TO DO
OUR BANKING. NOT GOOD AT ALL. WE ARE CONSIDERING CHANGING BANKS BECAUSE OF THIS.
2023 INSTAGRAM 4/6/2023
El 31 de Marzo, tuvimos el privilegio de alinearnos con Chase Bank y celebrar on taller de Como Comprender y Construir el Crédito. Maria Behun, la
gerente de la comunidad de Chase, educó a todas las mujeres en su viaje financiero. Fue un gran taller y fue muy beneficioso para todas. Gracias
chase y Maria Behun para esta oportunidad! 😁💙
On March 31st, we had the privilege of aligning with Chase Bank and holding a workshop on how to understand and build credit. Maria Behun, the
community manager at Chase, made all the women educated on their financial journey. It was a great workshop and it was very beneficial for
everyone. Thank you chase and Maria Behun for this opportunity. 😁�
2023 TWITTER 4/13/2023
@Chase, I am requesting these charges be amended, as a person who has low income with bills etc., "a deposit needs to be made by 11PM ET on the
business day following the day your account is overdrawn" is NOT feasible. I could say more, but will end on this. Do Better.
pic.twitter.com/UXXTHS22JV
2023 TWITTER 4/13/2023
ACF's Metro Phoenix Affordable Housing Collaborative Fund has $2.9M for nonprofits to advance affordable housing production & preservation,
thanks to generous donations from JPMorgan @Chase. Click the link for more info and to apply. azfoundation.org/nonprofits/loa…
Phoenix-Mesa, AZ CSA
2023 INSTAGRAM 4/19/2023
I definitely would like to thank garyhartfield & #Allhartfoundation alongside chase for an amazing event on the #powerofcapital for small businesses
in the black and brown community #entrepreneurship #tampabusiness #chasebank
Tampa-St. Petersburg-Clearwater,
FL MSA
2023 INSTAGRAM 4/19/2023
“The Anacostia Arts Center is gearing up for a major transformation backed in part by a new $2 million donation from JPMorgan Chase & Co.,
according to WACIF (The Washington Area Community Investment Fund Inc.), its nonprofit owner.
The Chase donation unveiled last week marks the largest contribution so far to the $37 million project and the third from a major bank — Bank of
America committed $1 million to the project last spring, and Truist Bank pledged about $117,000 to the renovation. Chase and Bank of America are
both participating in a $4.7 billion commitment led by the Greater Washington Partnership to invest in minority-owned businesses, according to the
Washington Business Journal.
WACIF has around $4 million left to raise for the arts center campaign.
The project is set to revitalize the 35,000-square-foot Anacostia site on Good Hope Road SE, which already serves as a hub for local arts, food, and
health-related small businesses, and includes a lower-level coworking space, The Hive. WACIF is working with STUDIOS Architecture on renovation
plans that include two additional floors of office space with a rooftop terrace and penthouse for events and gatherings. WACIF team members say
the renderings are on display in the lobby of the arts center so visitors can provide feedback.
Construction could begin by spring of 2024, according to WACIF chief of staff Brendon Miller.”
Read more dcist
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2023 INSTAGRAM 4/25/2023
Get ready for FREE financial advice from our new partners chase at the Bell Gardens Club! 💰💡
On May 1st, they'll be here to help you with everything from credit scores to retirement plans and more. Plus, don't miss out on tours of the Club!
👉 RSVP at qrco.de/CCChase or visit the link in our bio!
#bgcmla #boysandgirlsclub #chasebank #jpmorganchase #bellgardens #downey #community #freeevent #financialliteracy #finance #money
#losangeles
Los Angeles-Long Beach, CA CSA
2023 LINKEDIN 4/27/2023
Thank you to everyone who came out this morning to the Cafecito con Chase for Business workshop “Manejando su flujo de efectivo” brought to you
by the IHCC SBA Community Navigator Pilot Program! We are here to help. 🙌
#smallbusiness #pequenasempresas #ihccbusiness #community #cashflow
2023 INSTAGRAM 4/29/2023
🏴 FIGHT 2 SAVE BLACK LA
#BREAKTHEBANK
EMANCIPATION FROM EXPLOITATION
BANK BLACK 💲💲💲
#GRANDCLOSINGS CONTINUE
CHASE BANK WEEK 35 FRI APR 28TH
WELLS FARGO WEEK 39 SAT APR 29TH
BLK DEMANDS
THE 7 DEADLY BANKS & THEIR CEOs
bankofamerica - BRIAN MOYNIHAN
citi - JANE FRASER
JP MORGAN chase - JAMIE DIMON
PNC - WILLIAM DEMCHAK
TRUIST - WILLIAM ROGERS JR
US BANCORP - ANDY CECERE
wellsfargo - CHARLES SCHARF
COLLECTIVELY WORTH 13 "TRILLION" IN ASSETS
a.
DIVEST FROM LAW ENFORCEMENT AGENCIES & PROSECUTORS WHO REFUSE TO HOLD LAW ENFORCEMENT ACCOUNTABLE
1b.
REPARATIONS FOR BLACK PEOPLE AFFECTED BY STATE SANCTIONED TERRORISM
a.
CEASE PREDATORY LOANS & OTHER MEANS OF REDLINING
2b.
REPARATIONS FOR BLACK FAMILIES WHO WERE CONNED OUT OF THEIR HOMES
a.
DIVEST FROM THE PRISON INDUSTRIAL COMPLEX (PIC) & POLICIES THAT DISPROPORTIONATELY TARGETS BLACK PEOPLE
3b. REPARATIONS FOR BLACK PEOPLE WHO HAVE BEEN DEVASTATED BY THE PIC
Los Angeles-Long Beach, CA CSA
2023 TWITTER 5/9/2023
KYCC Community Economic Development's Small Business Program and Chase hosted a workshop for local business owners on the importance of
banking. Thank you @Chase for presenting and teaching our small business owners about banking and bank accounts! pic.twitter.com/ah4CPCZVm4
Los Angeles-Long Beach, CA CSA
2023 LINKEDIN 5/16/2023
JPMorgan Chase & Co. has developed a model that extends beyond banking services, showcasing their dedication to community engagement and
support for small businesses. Thanks to Chase’s mentorship and the Miami Bayside Foundation belief in our mission, Neuro Consulting Solutions
(NCS) successfully launched.
Silvia Gil, the founder of NCS, had the opportunity to share her inspiring journey from classroom assistant to entrepreneur. We are immensely
grateful to Chase for their guidance and the Miami Bayside Foundation for their unwavering support. Our mission is to equip the public and private
sectors with the knowledge and tools necessary to effectively accommodate and empower neurodiverse individuals, while also providing direct
assistance to our neurodiverse clients.
Pictured: Chase, JPMorgan Chase & Co., Silvia Gil, Jackie Gutierrez, Andrea Moreno, Vaughn Lucas, Emeli Aguirre, Guillermo Diaz, Isabel Halliday
Miami-Port St. Lucie-Fort
Lauderdale, FL CSA
2023 INSTAGRAM 5/17/2023
Thank you so much chase for hosting this well needed table talk about how to grow their homeownership numbers.
As a 14 year professional in the space of real estate and creating wealth for the black community. It’s truly bigger than the commission check. It’s
creating the opportunity to allow every one an opportunity of what a true piece of america is.
I was just sharing a story with someone yesterday that i remember when i was 19 years old, i was looking at condos with an FHA loan and obtaining a
seller’s credit. While I beat myself up today for not pulling the trigger on this, If i can go back to my 19 year old self. I would. I would pull the trigger
30 times. I watched that same condo get sold for over 120k then watched the community grow to a vale of 250k plus today.
My goal is truly stress the importance of owning a piece a land, a piece of investment and a home.
With that magic wand, all things are possible.
Chase, and all staff members, thank you for inviting narebsouthflorida to the table and thank you for inviting me to the table
2023 INSTAGRAM 5/17/2023
Hi everyone! When I’m not busy cooking, I love to network with fellow entrepreneurs. Recently, I had the pleasure of attending the Chase for
Business event in Dallas, Texas during National Small Business Week. It reminded me of the importance of supporting smallbusinesses.
There are many great reasons to support small local businesses this year:
• Small businesses tend to give back more to their communities.
• Small businesses make a significant economic impact.
• Small businesses offer better customer service.
• Small businesses offer a greater variety of products.
This particular event showcased small businesses based in Dallas, and it was evident how much these businesses contributed to the community and
offered fantastic products. Chase for Business did an outstanding job organizing the event, and it’s easy to see why they’re the go-to partner for small
business owners in my community and beyond.
I had a wonderful time at the event, and I encourage you to check out your local Chase for more exciting events like this. Let’s continue to support
small businesses and our local communities.
Dallas-Fort Worth, TX-OK CSA
2023 INSTAGRAM 5/21/2023
We made chase give up a billion dollars and Chase bank continues to redline black communities! When the community steps up to organize, we WIN.
#ReparateChase
2023 TWITTER 5/23/2023
Investing Impact Capital in #SmallBusiness and #MinorityOwnedBusiness very literally means making someone’s dream come true. Thank you
@JPMorgan @Chase for giving me the chance to talk about my journey to #ImpactInvesting. jpmorgan.com/commercial-ban…
pic.twitter.com/GoeOpM4hpz
2023 INSTAGRAM 5/23/2023
This afternoon, Andrea Andrade, with Chase Bank- Community and Business Development, stopped by to provide a Financial Literary session to our
members. The tutorial covered credit establishment, budgeting and savings. We are excited to be able to offer such useful and supportive
professional development sessions to our teams. Thank you again Andrea for supporting our corps!
#youthdevelopmentprogram #financialfreedom #Stockton #earnwhileyoulearn #localcorpsstrength #wearesjcoe #jointhecorps
San Jose-San Francisco-Oakland,
CA CSA
2023 INSTAGRAM 5/26/2023
One of our core values is Building Leaders - Today we receive at College Hunks Rocky Fong VP of Community and Business Development at chase
Bank to Talk about Your Financial Journey.
2023 FACEBOOK 5/26/2023
they suck so bad that the review link doesnt work , they dont want the truth published as chase bank are greedy selfish scums who discriminate less
wealthy people
2023 INSTAGRAM 5/27/2023
Had the pleasure of attending chase bank West Philadelphia Branch to attend their Small Business Masterclasses this month!
Their “Window of Opportunity” workshop highlighted how to certify your business, accessing diversity programs in corporate programs and securing
funding for your business!
Thank you to those who facilitated this event! I’m thankful for the new connections made here with other small business owners as well! Until next
time! 😊
#chasebank #chaseyourdreams #entrepreneur #smallbusinessowner #supportsmallbusiness #blackentrepreneurs #philanthropy #community
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
West Philadelphia
2023 TWITTER 6/10/2023
Why the hell is every @Chase #ATM in downtown #nyc locked & impossible to access on a Friday night in June? To keep the homeless out?
@jpmorgan can't afford to spend any of its 412.07 billion to hire workers to help? Sucky way to treat loyal customers. Time to switch #banks.
pic.twitter.com/HF2LcpQl4Z
New York-Newark, NY-NJ-CT-PA
CSA
2023 LINKEDIN 6/17/2023
Truly amazed at what JPMorgan Chase & Co. / Chase for Business is doing in local communities across America. We are so thankful to participate in
each of their local market activations as this rolls out throughout 2023. We hope everyone enjoys their econscious ™ 100% organic cotton Chase
local activation dad caps!
#business #bcorp #activation
2023 INSTAGRAM 6/17/2023
DW and our partners at Chase Bank, Builders of Hope CDC and Shekinah Legacy Holdings are giving the A,B,Cs to homeownership in the Black
community.
Black Americans lag significantly in homeownership (44%), that number has only increased 0.4% in the last 10 years and is nearly 29 percentage
points less than White Americans (72.7%)
Let’s close the gap!
Join DW this Thursday, June 22nd at lifeindeepellum and hear from panelists who are experts in the real estate industry.
Check the link in the bio and RSVP for this free event!
2023 INSTAGRAM 6/21/2023
It was an honor to elevate and educate over 80 small businesses that participated in our Start to Scale Business Playbook series! In one month, we
were able to educate over 150 BLACK Angelinos about best business practices, business credit, street vending, pitching, and so much more! On
Juneteenth, we joined Chase Bank to award three amazing small businesses with grants to accelerate their businesses to the next level! More
educational opportunities coming soon!
2023 INSTAGRAM 7/10/2023
Calling all Bell Gardens residents!
Boys & Girls Clubs of Metro Los Angeles is hosting our first Community Connections event on July 18th starting at 5 PM at the Bell Gardens Club. Link
in bio to RSVP or visit https://qrco.de/CCChase!
We will have free financial advice from Chase Bank during our community panel, tours of the Club, and free food!
This is a great opportunity to learn about our latest partnerships and resources and see if the Bell Gardens Club is a good fit for your child.
#bgcmla #chasebank #freefinancialadvice #bellgardens #losangeles #budgeting #community #resources #creditscores
Los Angeles-Long Beach, CA CSA
2023 INSTAGRAM 7/13/2023
A proposed new office building on Chattanooga's North Shore is slated to bring Chase bank's first retail branch to the city along with an AFC Urgent
Care location.
"The North Shore continues to grow," said Matt McGauley, chief executive of Chattanooga-based FTC Development.
"People will need these services."
Read more at the link in our bio.
2023 INSTAGRAM 7/27/2023
JP Morgan Chase, Community Banking has kicked off their financial literacy workshops. They will be visiting our seven Summer enrichment sites to
teach youth banking as they go back to school. Don’t forget to enroll your child in our summer camp. It’s not to late to join !!
#Youth #Youthprogram #Nonprofit #Ucc #Ucccares #Nonprofitlife #Finance #FinancialReadiness
#Community
2023 INSTAGRAM 8/16/2023
As a small business, if your banker is not calling you and asking how to help you grow? then you might want to change that relationship. We are
honored to have completed the Chase Minority Mentorship program. chase jpmorganchase Is committed to helping Minority owned business thrive
and we couldn’t be happier to be a part of it!
We are so grateful to our mentor and business advisors, Josué Figueroa ⭐️ for the time and patience with us and for helping us find strategic ways
to help our business grow!
Today we had our Graduation ceremony at the Chase Community Branch in Philly. We also were able to catch up with our digitalundivided Familia! It
was a mini Breakthrough Philly reunion. Loved being connected with new founders and seeing everyone.
Pa Alante Mi gente!
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
2023 TWITTER 8/16/2023
Congrats to The Housing Collective for receiving a grant from @jpmorgan @Chase to create more affordable housing solutions across the state!
Read more about the grant:
cthousingopportunity.org/news/leading-c…
New York-Newark, NY-NJ-CT-PA
CSA
2023 TWITTER 8/18/2023
It is wonderful to see @MediciRoad (led by @capitalimpact's Equitable Development Initiative grad Thomas Houston) receive funding from
@jpmorgan @Chase to grow its affordable housing efforts for underserved households in D.C.
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2023 TWITTER 8/18/2023
It is wonderful to see @MediciRoad (led by @capitalimpact's Equitable Development Initiative grad Thomas Houston) receive funding from
@jpmorgan @Chase to grow its affordable housing efforts for underserved households in D.C.
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2023 INSTAGRAM 8/18/2023
It is wonderful to see @MediciRoad (led by our sister organization @capitalimpact's Equitable Development Initiative grad Thomas Houston) receive
funding from @jpmorgan @Chase to grow its affordable housing efforts for underserved households in D.C.
San Jose-San Francisco-Oakland,
CA CSA
Broadway and 30th St
2023 INSTAGRAM 8/22/2023
Get a backpack with school supplies to start the new school year on Saturday, Aug. 19, from 10am-1pm at the Chase Oakland Community Center
Branch, 3005 Broadway. Chase is hosting fun activities for the families including face painting, jewelry making and a financial health workshop. This is
a great way to bring the community together!
Houston-The Woodlands, TX CSA
2023 INSTAGRAM 8/22/2023
Thank you to our Annual sponsor CHASE BANK chase for supporting out Hispanic community ! Amazing loan programs like Homebuyer Grants !
New York-Newark, NY-NJ-CT-PA
CSA
Metropolitan and Flushing
2023 INSTAGRAM 8/28/2023
Thank you so much chase for hosting this well needed table talk about how to grow their homeownership numbers.
As a 14 year professional in the space of real estate and creating wealth for the black community. It’s truly bigger than the commission check. It’s
creating the opportunity to allow every one an opportunity of what a true piece of america is.
I was just sharing a story with someone yesterday that i remember when i was 19 years old, i was looking at condos with an FHA loan and obtaining a
seller’s credit. While I beat myself up today for not pulling the trigger on this, If i can go back to my 19 year old self. I would. I would pull the trigger
30 times. I watched that same condo get sold for over 120k then watched the community grow to a vale of 250k plus today.
My goal is truly stress the importance of owning a piece a land, a piece of investment and a home.
With that magic wand, all things are possible.
Chase, and all staff members, thank you for inviting narebsouthflorida to the table and thank you for inviting me to the table
2023 LINKEDIN 8/31/2023
Chase sucks for minoritiesI’m a minority business owner in Philly, I set up a workforce development program for my community and went to chase
for sponsorship. I explained that I was operating out of pocket and the pandemic really hurt my business so funds were limited. So the Vice President
| Sr. Business Consultant | Philadelphia PA used this opportunity to take advantage of me. I hosted 2 financial literacy workshops I provided
everything including the venue and lite refreshments. I ask him to bring some bottled water to the second workshop he bought 2 cases and left 1 in
the car. So before the 3rd workshop which I was partnering with the city of Philadelphia to provide free minority certifications for minority
contractors I told Tim I needed compensation and he told me there was no money in the budget for this because he was offering a free service! They
wanted minority business owners with two years in business with revenues of six figures at least to come to these classes. Access to capital how to
apply for loans that sort of thing! Which is all well and good and needed. But ultimately this was for Chase to get new accounts and he tried to do this
on my back without one cent of compensation to this day Stay away from Chase!
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
2023 TWITTER 9/4/2023
@Chase Why do you block the use of Chase ATMs at Flatbush Ave & Church Ave in Brooklyn, NY? Residents (who are black and low-income) are
forced to use other ATMs & then you charge $5 for using non-Chase ATMs. This is Fraud and Racism! @CFPB @RitaJosephNYC @TheDemocrats
@CoriBush
New York-Newark, NY-NJ-CT-PA
CSA
2023 FACEBOOK 9/9/2023 Why is Chase closing so many Branches?
2023 LINKEDIN 9/15/2023
Great time representing JPMorgan Chase & Co. at the recent Omnivorous community event hosted by Community Roots Housing! It was a pleasure
to see all the community members and small business partners coming together and making an effort to create inclusive, affordable housing and
foster thriving, just communities. A big thank you to Bob Powers from Chase Community Development Banking division for supporting and partnering
with this meaningful organization, and appreciate all the colleagues, partners, and community leaders who came out to support the event!
"Everyone has the right to a quality affordable home" is the north star of Community Roots Housing that drives their work. Today, with nearly 50
apartment buildings and over 2,000 residents, they continue their commitment to build community with and for people. #jpmorganchase #chase
#onechase #communityrootshousing #affordablehousing #racialequity #communityengagement #communitydevelopment
Cécile Chalifour, Laura Orella, Maxwell Koziol, Don Blakeney, Ken Takahashi, Vicki Foege, Susan Yang, M. Michelle Purnell-Hepburn, Eileen Franz,
Darcy Donahoe-Wilmot, Selina Pichardo, M.A., Laura Mathieu
2023 INSTAGRAM 9/20/2023
WHAT A MAGICAL NIGHT! Thank you to everyone who joined us on Saturday, September 16th, at the Memorial Auditorium for our SOLD OUT 10th
annual Hard Hats and High Heels Gala.
With a goal of $475,000, we raised $497,795 to build and repair homes for low-income families, seniors, and veterans in our region!!!
A huge thank you to the Sacramento Memorial Auditorium for hosting, as well as our generous sponsors and partners:
Presenting Sponsor: mySMUD
Future Framer Sponsor: U.S. Bank
Hope Builder Sponsors: Capitol Barricade, Inc., Sunseri Construction, Inc., Chase Bank, Phillips 66
Roof Raiser Sponsors: LPAS Architecture + Design, River City Bank, InterWest Insurance Services, Health Net, Amazon, Broadway Vet Hospital,
Venetian Pet Hospital, Goodfellow Bros., United Surgical Partners, Central Valley Community Bank, Umpqua Bank, Susan Sheridan and Elfrena Foord,
The Setzer Foundation
Wall Raiser Sponsors: CohnReznik, EJ Reed Construction, Cooper & Associates Realty, Weintraub Tobin, El Dorado Savings Bank, Acorn Finance, HMC
Architects, Taylor & Wiley, Teichert Construction, Headwaters Building Group, Pretty Please Aesthetics, Roy Alexander, Ron & Beverly Lamb, Steven
& Jennifer Ryder, Anne Gambino & Michael Gordon, Leah & Ryan Miller
Exclusive Wine & Bubbles Sponsor: Bogle Family Vineyards
Emcees: Kevin John and Shiloh Costello
Sacramento-Roseville, CA CSA
2023 TWITTER 9/21/2023
Thank you Jamie Dimon for your continued commitment to Detroit's recovery. We're proud to work with @jpmorgan @Chase and
@MayorMikeDuggan to provide #AffordableHousing for all Detroit residents and #capitalaccess for #minoritydevelopers through the DHFF.
freep.com/story/money/bu… pic.twitter.com/Bpf89i5PIz
Detroit-Warren-Ann Arbor, MI CSA
2023 INSTAGRAM 9/22/2023
[Comment received from multiple users] Extending our sincerest thanks to Chase Bank Manager & Community Development Specialist Mr. Jonathan
Escobar for investing into our Staff, educating them on Chase Banks Financial Literacy workshops.
Today Jonathan capped off the 5 week Financial Literacy series, bringing in their Home Owner/Mortgage Experts Mr. Erin & Mr. Chris.
ONH firmly beliefs our students must be equipped w/ financial literacy, upon discussion w/ our Board of Directors & Administrative Team we firmly
belief our staff our equally important in being financially educated & empowered to be financially healthy.
Thank you Chase Bank / JP Morgan for your genuine investment you are pouring into San Bernardino.
#financialliteracy
#financialfreedom
#financialindependence
#chasebank
#jpmorgan
#breakinggenerationalpoverty
chase
j_esco_fh
familyassistanceprograms
jpmorganchase
Los Angeles-Long Beach, CA CSA
2023 INSTAGRAM 9/22/2023
[Comment received from multiple users] Extending our sincerest thanks to Chase Bank Manager & Community Development Specialist Mr. Jonathan
Escobar for investing into our Staff, educating them on Chase Banks Financial Literacy workshops.
Today Jonathan capped off the 5 week Financial Literacy series, bringing in their Home Owner/Mortgage Experts Mr. Erin & Mr. Chris.
ONH firmly beliefs our students must be equipped w/ financial literacy, upon discussion w/ our Board of Directors & Administrative Team we firmly
belief our staff our equally important in being financially educated & empowered to be financially healthy.
Thank you Chase Bank / JP Morgan for your genuine investment you are pouring into San Bernardino.
#financialliteracy
#financialfreedom
#financialindependence
#chasebank
#jpmorgan
#breakinggenerationalpoverty
chase
j_esco_fh
familyassistanceprograms
jpmorganchase
Los Angeles-Long Beach, CA CSA
2023 INSTAGRAM 9/22/2023
Empowering Dreams, Enriching Lives: Join us in the pursuit of financial success and knowledge at Chase Bank. Together, we’re building a brighter
future for entrepreneurs and small business owners in our local #Philadelphia communities! We are #JPMorganChase
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
2023 TWITTER 9/23/2023
Hey @Chase! How about letting your users use the indoor atms?! Looks like a universal studios Hollywood horror night LINE. One atm working and
the device to let us use the interior atms doesn’t work… one bank for our Hispanic community and only one working atm…horrible…
pic.twitter.com/DVQK5txBdl
Los Angeles-Long Beach, CA CSA
2023 TWITTER 9/27/2023
@chase needs to educate their spokesperson @KevinHart4real or tell him to stop spewing harmful information about the lack of financial institutions
and resources in low-income communities.
2023 TWITTER 10/2/2023
Thanks to support from our partners at @FifthThird and @Chase, we’re able to invest game-changing capital in Detroit #AffordableHousing
developers like Sonia Mays, CEO of @Develop_Detroit, and developer of the West Boston apartments. youtube.com/watch?v=Nqebva…
Detroit-Warren-Ann Arbor, MI CSA
2023 TWITTER 10/3/2023
Housing Action Illinois would like to extend a heartfelt thank you to our Platinum Sponsor for our #HousingMatters2023 Conference: @jpmorgan
@Chase. Thank you for supporting our work to expand affordable housing and end homelessness! pic.twitter.com/eH1NUyJXH8
2023 INSTAGRAM 10/4/2023
WE’RE HEADING TO PHILLY!️
Join us in Philadelphia for a full-day of the Luminary LIVE experience on Tuesday, October 17th with our partners at Chase for Business to advance,
build, and connect with others in the community. ✨
From panels, networking, and workshops with various partners, to fireside chats with incredible speakers and leading experts, we’ve got you
covered.
Come with questions, be ready to make new connections, and leave with a multitude of resources and tools. Register todayat the link in bio and gain
access to the info sessions you need and the networking opportunities you’ve been missing!
#weareluminary #inthistogether #comesitatourtable #chase #luminaryLIVE #philly #community #networking #businessleaders #bosslady
#smallbiztips #entrepreneurlife #successful
Philadelphia-Reading-Camden, PA-
NJ-DE-MD CSA
2023 INSTAGRAM 10/9/2023
Welcome to chase bank in mcintoshvillage !!!
#bank #peachtreecity #community
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
Mcintosh Village
2023 INSTAGRAM 10/16/2023
Ladies happy Monday!!! We are super excited since we are 5 days away from our Women with Vision Summit!!
We would love to welcome our next Panelists Andrea from jpmorgan chase . She is a Vice President, Sr. Business Consultant and has worked with
Chase for Business on Minority Entrepreneurs. We are overjoyed for this incredible leader who will be sharing a wealth of knowledge and insights.
Click link in bio to get your tickets and we cannot wait to see you all! ❤️
#jpmorgan #chase #community #womenwithvision #growthmindset #dreams #opportunity #njevents #yourdreamwall
2023 LINKEDIN 10/20/2023
Don't get me wrong... I really like my JPMorgan Chase & Co. Chase neighborhood branch. They are wonderful!
However, today I had the extreme pleasure of visiting the Summerhill Community Bank branch, and COMMUNITY needs to be in all caps!!
Kevin B. Brown and his team are showing LOVE and strengthing the community through EXCELLENT customer service and programs that can strength
the finances of those in the community.
This my new branch!
Thank you Rashida Trimble Winfrey, MBA, Ladonna Murphy and Kevin for being so DOPE!
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
Summerhill
2023 LINKEDIN 10/22/2023
This past Friday, JPMorgan Chase & Co. had the pleasure to host the good people from:
LBAN/Latino Business Action Network
Latino Economic Development Center (LEDC)
Greater Washington Hispanic Chamber of Commerce and local entrepreneurs, business and civic leaders from the #DMV area to discuss the growing
economic impact and contributions of the #Latino #Hispanic business community.
Thank you to our local Chase & Chase for Business banking leaders, community managers, senior business consultants for your leadership (especially
Maritza Gonzalez, Ph.D. Tasnim Segal Sobella Erica Ayuso, MS, MBA) in bringing this event together, to Arturo Cazares for his presentation and
insights, and to our guests, collaborators, neighbors, and partners for your support.
Kristina Sicard , CSBC Alfonso Guzman Darla Harris, CSBC Amilcar Ayala Miguel N. Gamal Aburdene Marcos, WMCP® Arlaka Jayasekara Fabiola Copa
Montes
Silvana Montenegro William Jaramillo Kristin Coleman Jasdomin Santana, MSM, MSO Aline Danieli, CSM Juan Galicia-Diaz David Gregor Veronica
Echeverri, LMSW Evelyna Rosario Kareli Lizárraga, MS Ed. (she, her, ella) Cassandra S Leneskie
Washington-Baltimore-Arlington,
DC-MD-VA-WV-PA CSA
2023 INSTAGRAM 10/23/2023
Thanks to Channel Heath and chase bank for visiting our 9th and 10th grade GEAR UP classes at Mt. Healthy High school last week.
gearup_mt.healthy
Students learned lots of great information about credit scores, debt, and healthy spending practices.
Cincinnati-Wilmington-Maysville,
OH-KY-IN CSA
2023 INSTAGRAM 10/24/2023
Thomas Callahan, the executive director of the Partnership for Financial Equity, said that while the number of branches across the state is dwindling
as digital banking rises, some banks are making intentional choices about placing their physical branches in communities of color.
For example, earlier this year, Reading Cooperative Bank opened its first full branch in Lawrence. In 2020, Lawrence has a population of about 80,000
people and 81.1% of the people in the city identified as Hispanic, according to Census records. Chase opened a branch in Mattapan in late 2021,
which also serves as a community space for the area.
“We're seeing some very strategic branch openings going into communities of color. That is a really good sign, given the importance branches play in
low-income communities and communities of color,” Callahan said.
Boston-Worcester-Providence,
MA-RI-NH-CT CSA
Mattapan
2023 TWITTER 11/11/2023
I will now include Banks, that charge poor middle-Class 30+ interest , to in Slave, Steal all future income. “WellsFargo @Chase eCiti , Goldman , Bank
America, etc! @SenateDems @SenWarren @FareedZakaria @NBCNews @ABC @nytimes @washingtonpost
2023 TWITTER 11/14/2023
.@AHFMag recognizes Jessel Amin, Andrea Bell, Nick Cangelosi, Lindsey Haines, and Zach Johnson as this year's Young Leaders in affordable housing.
@Chase @OregonHCS @TheMichaelsOrg @FullCircle310 @GormanUSA pic.twitter.com/w8g7mBb53g
2023 TWITTER 11/14/2023
#CDFIs play a critical role in underserved communities. A new report from @JPMorgan @Chase details the ways #CDFIs create economic
opportunity, #AffordableHousing and essential community service through combining #Capital with technical assistance. jpmorgan.com/insights/real-
…
2023 INSTAGRAM 11/22/2023
EMPOWERING OUR KIDS WITH FINANCIAL EDUCATION,,
Eduardo Cabrera, Community Manager at chase Bank, talks about the importance in talking to our kids about money EARLY.
#YesYes #Reels #ReelsInstagram #Chase #Community #FinancialLiteracy #Education #Youth #Empowerment #EddieTranzcendent
#BeTranzcendent
2023 TWITTER 12/6/2023
.@WellsFargo and @BankofAmerica are serving the low income West End Atlanta neighborhood. @Chase left the neighborhood. Time for you to
come back to the 30310. @BankingGOP @SenateBanking
Atlanta--Athens-Clarke County--
Sandy Springs, GA-AL CSA
West End Atlanta
2023 TWITTER 12/23/2023 .@Chase your overdraft policies hurt millions of low income families
2023 TWITTER 12/29/2023
@Chase ATM screen never worked. I’m done with you it. It’s better to let it go and open account with local/community bank.
#chase #chasebank #worse #Service
*Note: Special characters and emojis may be edited to improve accessibility
Customer Comments Received via Regulatory Agency Website
*
Comment: Chicago, IL Written Comments
Date Submitted: 1/7/2024
Submitted Via: CFPB Online Customer Complaint Form
Customer Comments
In October 2023, I contacted Chase credit card services by phone to request an interest rate reduction.
The interest rate for this card is double the other interest rate that I have for another mainstream credit
card. I was told that Chase reviews these automatically and that she was unable to submit my request
for an individual review. I found this at odds with what most companies do. In fact, as a consumer you
are encouraged to contact your credit card company and request a lower rate. I tried to find a contact
online to submit a complaint under Community Reinvestment grounds, but was unable to find one. Then
I emailed the bank. The response I got from the bank on Oct 7 2023 is as follows: "Thank you for
contacting us from your XXXX account ending in XXX. For privacy reasons, we generally don't discuss our
business interactions with individuals or businesses. XXX, we appreciate you being a Chase customer."
My complaint will be resolved when the bank commits to reviewing my card for an interest rate
reduction. I would also like the contact information to submit a complaint under CRA grounds. Offering
an interest rate like this is not meeting community credit needs.
*Note: Comments are verbatim from the submission to the online regulatory form; personal or sensitive
information has been redacted.
Executive Office (Mail Code OH4-7120)
3415 Vision Drive
Columbus, OH 43219
January 16, 2024
[REDACTED CONTENT]
[REDACTED CONTENT]
Chicago, IL 60625
Your current annual percentage rate (APR) is the lowest available at this
time
Reference Number: [REDACTED CONTENT]
Dear [REDACTED CONTENT]:
We are responding to your inquiry about lower interest rate for your credit card account ending in
[REDACTED CONTENT]. We appreciate the opportunity to assist you.
Upon review, our records confirmed there were no records found within the last three months of you
requesting an interest rate reduction. Your current annual percentage rate (APR) for purchases is 28.74%
Variable. We review eligible accounts regularly to determine if the customer qualifies for a lower APR.
At this time, we processed a lower APR inquiry on your behalf. We confirmed that your current APR is the
lowest available at this time. You can always check your monthly billing statement or sign in to chase.com
to view your APRs. The cardmember agreement fully explains your account terms. We enclosed a copy
for your records.
We deny all allegations of not meeting community credit needs and Community Reinvestment Act (CRA)
violations. We are not able to provide contact information for CRA. We apologize for any inconvenience
this may have caused. We look forward to a continued banking relationship with you.
If you have questions about
this issue, please call [REDACTED CONTENT] at 1-877-805-8049, extension
[REDACTED CONTENT]. If you have other questions, please call us at the number below. We accept
operator relay calls. We’re available Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9
a.m. to 6 p.m. Eastern Time.
Sincerely,
Card Executive Office
1-877-805-8049
1-847-787-5509 Fax; it’s free from any Chase branch
chase.com
1
February 20, 2024
, West Region Exec
utive, Community Engagements
, CA Director, Community Engagement
Head of Community Reinvestment & Community Partnerships ,
, Head, National Stakeholder & Policy Engagement
JPMorgan Chase Bank
Sent Via Email
Re: 40 California organiza
tions comment on JPMorgan Chase Bank’s CRA performance and
identify community credit needs and opportunities: Follow up to November 1, 2023
meeting.
Dear and
On behalf of Ris
e Economy (formerly the California Reinvestment Coalition), we want to thank
you very much for meeting with our coalition members on November 1, 2023. We appreciated
that a number of JPMorgan Chase Bank (“Chase” or “Bank”) staff members met with us in
person in Los Angeles, that other key Bank staff participated virtually (as did Rise Economy
members who could not get to Los Angeles), and that most everyone stayed the full three
hours scheduled for the meeting, plus a few additional minutes so that everyone could be
heard. This letter is intended to capture the comments, questions and requests made at the
meeting.
Rise Economy is building a powerful movement for economic justice, focused on knocking
down the historical barriers for Black, Latine/x, and other People of Color who have faced
hardships building generational wealth. We’re focused on creating a more equitable society
where BIPOC have access to resources and opportunities to build generational wealth. We
accomplish this by driving empowerment, advocacy and action, and growing collaboration.
Our members have bee
n eager to meet with Chase. This reflects the deep impact that the Bank
has, and can have, on BIPOC communities in our state. And as
noted, it has been a few years
since we last met in person. Our interest in meeting was of course heightened by the Bank’s
acquisition of First Republic Bank (“FRB”) in May, in a transaction that was not subject to public
comment and following which Chase did not appear to make any additional commitments to
better serve California communities.
We were pleased t
o bring to the discussion forty (40) California-based community
organizations who were able to help the Bank identify community credit needs and
opportunities and who were able to comment on various aspects of the Bank’s performance.
2
As such, we view this meeting as an important opportunity for the Bank to learn how it might
enhance its CRA related performance in California, and we believe this dialogue should inform
the Bank’s plans and CRA examinations. As such, we request that this letter be placed in the
Bank’s CRA Public File. We similarly have been meeting with the Bank’s peers and providing
comments on their CRA-related opportunities and performance.
In
general. While JPMorgan Chase is engaging in many positive activities in California, we are
concerned that Chase is not transparent about the level and extent of its reinvestment activity
in the state. We note that Chase did respond to the joint data request from Rise Economy (then
California Reinvestment Coalition) and the Greenlining Institute in 2022, but has not responded
to our 2023 data request relating to Bank performance in 2022. While the Bank indicated it
would try to provide us data before the meeting, and in fact suggested we push the meeting
back to make this more likely, additional data was not provided. We find the lack of data on
Chase performance particularly concerning in light of the Bank’s acquisition of First Republic
Bank, one of the largest California banks.
FRB A
cquisition. More specifically, when the FRB acquisition was announced, we asked
JPMorgan Chase to keep all FRB branches in California open; to fund all investments, grants
and projects in the FRB pipeline; and to make a transparent commitment to California
communities. What we saw instead was Chase announcing it would close 21 branches in our
state. In our conversations and in our meeting, you indicated that Chase was working to fund
some of the projects and grants in the FRB pipeline. We are encouraged to hear that and look
forward to learning more.
Yet Chase’s acquisition of FRB stands in stark contrast to the First Citizens Bank (“FCB”)
acquisition of Silicon Valley Bank (“SVB”). FRB And SVB were similarly sized (approximately
$200 Billion in assets in 2022), focused on serving wealthy customers, state chartered, and
engaged in significant community development efforts in our state. Both banks began to fail,
and were acquired by larger institutions in emergency transactions not subject to public
comment or the customary merger review process. That is where the similarities end.
While Silicon Valley Bank had a Community Benefits Agreement with Rise Economy, First
Republic did not. FRB did however make discreet commitments, including an important
commitment not to finance new fossil fuel expansion projects, and made certain anti-
displacement financing commitments, in part, due to Rise Economy advocacy. We do not
believe that Chase has chosen to honor any of these FRB commitments.
3
First Citizens Bank for its part negotiated in good faith a $6.5 Billion addendum to its existing $8
Billion CBA commitment to California communities, agreed not to close California branches,
agreed to fund SVB projects and grants in the pipeline, and agreed to retain SVB branch and
community development staff. We appreciate that FCB has been transparent about its CRA
activity in California, what its expected CRA activity will be in California, and how these efforts
will be enhanced to account for the loss of SVB CRA activity. We do not see the same
transparency or commitments with Chase and its FRB acquisition.
We reiterate our request that Chase provide a baseline for CRA activity in California by First
Republic Bank and JPMorgan Chase in 2022 and 2021, and a commitment to exceed that
baseline for reinvestment activity in the state in 2024, with annual increases in activity going
forward. We are concerned that otherwise, Chase could engage in LESS reinvestment activity in
2024 than the performance of both banks in 2022 and years prior. To the extent that Chase
fully intends to enhance its reinvestment activities in California, transparency and a forward-
looking commitment can only help to substantially allay community concerns.
According to the American Banker, “JPMorgan Chase closed out the most profitable year in U.S.
banking history with its seventh consecutive quarter of record net interest income and a
surprise forecast that the windfall may continue this year.” We wonder if this will be a good
year for JPMorgan Chase’s reinvestment activities in California, or just for JPMorgan Chase
shareholders.
Bra
nches. According to our data analysis, since COVID and up until the time of our meeting,
Chase closed 164 branches in California. Most of those branches were located in BIPOC
neighborhoods. How does this reconcile with the Bank’s racial equity commitments? As Rise
Economy member organizations note, local branches can be a lifeline for small businesses,
economic development and philanthropy in communities and are generally well trafficked
when located in LMI neighborhoods of color. Further, our analysis suggests that during the
same time period (2000 through 2023), Chase opened approximately 40 new branches in our
state (for a net LOSS of bank branches in our state of 124), but only 25% of these new branches
were in LMI communities. Earlier this month, Chase announced that it would be opening 500
new branches across its footprint, but it is unclear whether this will result in a net increase or
net decrease in Chase branches in LMI, rural and BIPOC neighborhoods.
We ask the Bank to commit to not close any additional branches in low or moderate-income
communities, rural communities, or communities of color in California, unless it is willing to site
a new branch in a neighborhood with similar characteristics in our state. We ask the Bank to
open new branches in LMI, rural and BIPOC neighborhoods in the state to the extent of all FRB
branch closures in those neighborhoods.
4
Foreclosure Prevention. Rise Economy members expressed concern about increasing
foreclosures in California and about particular JPMorgan Chase practices and policies. Housing
counselors and legal service lawyers are seeing more cases industry-wide involving “zombie”
second mortgages, tangled titles, challenging loan modifications, and successors in interest
(“widows and orphans”), and expressed particular difficulty in trying to access the state
homeowners assistance fund, CalMRP, on behalf of Chase borrowers.
We ask that the Bank commit to halt all foreclosure proceedings upon receipt of a CMRP
application, if it has not done so already, and to develop a meaningful escalation process if
advocates and homeowners are hitting barriers with Chase Single Points of Contacts (SPOCs).
Homeowne
rship. Rise Economy members recommended areas for improvement in Chase’s
mortgage lending practices and support for homeownership. By way of comparison, Rise
Economy members noted that First Republic Bank had offered some of the lowest interest
rates on its mortgages, which enabled more low-income borrowers to get mortgages and
become homeowners. Additionally, Chase’s down payment assistance programs are
insufficient, offering homebuyers in California’s high cost markets only $5,000. Members noted
that the Bank’s peers are much more generous and make their programs more attractive to
borrowers. We have since read that Chase may be increasing this amount to $7,500, which
would be an improvement, but still less than would be impactful in our state.
Rise Economy members asked if it is true that the Bank offers shared loans to homebuyers in
other states, yet does not do so in California. Limited equity and related alternative models of
homeownership are becoming more mainstream and offer a viable path to homeownership in
expensive states such as ours. Relatedly, there is a need for capital for Community Land Trusts
and similar nonprofit entities that seek to acquire and preserve existing housing to keep that
housing affordable and to prevent displacement. These products need to be flexible and allow
for the quick disbursement of funds so that mission-driven nonprofit organizations can take
housing off of the speculative market. We understand Chase has committed funds for housing
preservation and that those funds are being distributed in California and other states, which we
appreciate and wish to understand better.
There is also a need for construction loans, home improvement loans, and loans to support
Accessory Dwelling Units (ADUs). We understand that there may be a gap in the Bank’s product
offerings in these areas. Rise Economy members also suggested that Chase consider social
impact bonds as a creative way to support affordable homeownership opportunities.
Additionally, the Bank’s 2022 mortgage lending data suggests potential redlining risks in the
following communities in California:
• Applications in Majority Asian neighborhoods
5
• Originations in Majority Asian neighborhoods
• Withdrawn applications in Majority Asian neighborhoods
• Withdrawn applications in Majority Minority neighborhoods
• Incomplete applications in Majority Hispanic neighborhoods
• Incomplete applications in Majority Black/Hispanic neighborhoods
• Approvals in Majority Hispanic neighborhoods
• Approvals in Majority Asian neighborhoods
• Approvals in Majority-Minority neighborhoods
• Approvals in Majority Black/Hispanic neighborhoods
• Denials in Black neighborhoods
• Denials in Hispanic neighborhoods
• Denials in Majority-Minority neighborhoods
• Denials in Majority Black/Hispanic neighborhoods
• Collateral Denials in Hispanic neighborhoods
• Collateral Denials in Majority-Minority neighborhoods
• Collateral Denials in Majority Black/Hispanic neighborhoods
• Subprime Spread in Black neighborhoods
• Subprime Spread in Hispanic neighborhoods
• Subprime Spread in Majority-Minority neighborhoods
• Subprime Spread in Majority Black/Hispanic neighborhoods
We ask the Bank to increase the level of down payment available via the downpayment
assistance program, and to work to connect this assistance to other existing local and state
homebuyer assistance programs in California. The Bank should also offer shared loans in
California and commit significant resources to support community land trusts and limited equity
models of homeownership and to help these entities acquire and preserve housing that is, and
can remain, affordable.
We
also urge the Bank to set a goal to double the percentage of its mortgage lending to African
American, Latine, Asian American, and Native American borrowers, and to develop a concrete
plan to achieve this increase through the use of hiring and diverse employment goals, placing
more loan officers in BIPOC communities, opening new branch locations in BIPOC areas, robust
marketing and outreach, deliberate and enhanced use of ethnic media, partnerships with key
affinity groups, product design, and other measures.
Spe
cial Purpose Credit Program. One of the most powerful ways to address lending disparities
and the racial wealth gap is through the adoption of a Special Purpose Credit Program. We
applaud the Bank for agreeing to do so and for beginning to implement this program. And yet,
we believe the Bank can achieve greater success if it modifies the program to become a
borrower-based, as opposed to a neighborhood-based, program. Rise Economy members have
6
had several conversations with several financial institutions regarding several SPCP designs,
and our overriding feeling is that, however well intentioned, neighborhood-based SPCPs will
inevitably foster gentrification (as borrowers of various incomes and demographics that are not
underserved are allowed to apply for the SPCP) and segregation (as residents of neighborhoods
of color may not able to take advantage of the neighborhood-based SPCP to move to a
neighborhood of their choice, which could be a neighborhood that does not qualify under the
program). This is not a theoretical discussion, and we are concerned that, in this way,
neighborhood based SPCPs may run afoul of fair housing and fair lending principles.
In f
act, we understand that while Chase may be reaching African American, Latine and Asian
American Pacific Islander households with its SPCP homeownership product, perhaps over one-
quarter of all beneficiaries of the SPCP are white borrowers who are using the SPCP to
purchase homes in neighborhoods of color, which may be producing gentrification as an
unintended consequence. Again, we applaud Chase for developing a SPCP mortgage (and small
business) product, but we urge you to reconsider the design of the program to better serve the
fair lending goals of the company and the Equal Credit Opportunity Act.
We
also note that Chase appears to be far off its goal of establishing an incremental 40,000
new home loans for BIPOC borrowers at $8 Billion, and appears to be struggling to reach its
initial baseline, having funded only $765 Million. At the same time, we commend Chase for
making a Racial Equity Commitment (“REC”), and for its transparency regarding its performance
in striving to meet the goals set forth in the REC. We urge the bank to embrace a similar level of
transparency for all of its community activities.
We
ask the Bank to revise its mortgage SPCP to specifically target African American borrowers
and other underserved BIPOC borrowers, to explore ways to make the program more affordable
for more borrowers, to work with local housing counseling agencies, to provide community
organizations with HMDA-like data regarding which borrowers are being served by the SPCP,
and to commit to dedicate additional resources to the SPCP in California so that it can better
serve and reach more borrowers in all areas of California.
Af
fordable housing. Indisputably, California continues to face a critical shortage of affordable
housing and this represents a primary community credit need for CRA purposes. To its credit,
JPMorgan Chase included in its REC a goal to support the creation and preservation of
government subsidized affordable housing.
Unf
ortunately, Chase appears to be lagging on its subsidized affordable housing goal, having
completed approximately 20% of the goal during 40% of the REC’s 5 year term. Specifically,
Chase committed to 22,000 additional preserved government subsidized affordable units, yet
only completed 4,350 in two years. Further the Bank committed to $1 Billion of loans and 7,000
7
affordable rental units through development of Agency and Off-Balance Sheet Lending through
government-sponsored enterprise partnerships, yet only report $155 Million and 1464 units
through 2022.
Durin
g our meeting, a Rise Economy member noted that Community Land Trusts are well
positioned to purchase distressed properties, preserve tenancies, create homeownership
opportunities for LMI households, mitigate risk for the bank, and serve ITIN borrowers. By way
of comparison, First Citizens Bank committed $25 million to help CLTs and other housing
nonprofits to purchase distressed properties in furtherance of developing state policy designed
to mitigate the negative impact of investor real estate purchases on household stability and
homeownership. FCB then agreed to fund an additional $11 million in such investments to
honor commitments made by SVB when it acquired the bank.
A Rise
Economy member discussed the community credit needs of building the capacity of
affordable housing developers of color. As one example of what another institution is doing in
response to the identification of this need, U.S. Bank committed to develop a SPCP for
affordable housing developers of color, is implementing this program, and is reaching smaller
and BIPOC led developers. During the meeting, Chase indicated it has been supporting
developers of color in a variety of ways.
An ongo
ing concern of ours is that many banks are financing landlords that are evicting,
harassing, or displacing tenants, or not maintaining properties in a habitable fashion,
inconsistent with our Anti-Displacement Code of Conduct. As noted above, even First Republic
Bank made commitments to address this concern.
We ask
the Bank to commit to:
• A greater percentage of its deals to be with smaller and BIPOC led developers and to do
so by developing a SPCP for developers of color, by connecting with on the ground
groups such as the Black Developers Forum, by looking to finance small site and landfill
projects that may be more conducive to emerging developers, and by working to make
it easier to access the Enterprise developers of color fund, amongst other approaches.
• Agree to meet with CLTs to determine whether it can offer and/or develop products
that will work for CLTs.
• Invest $60 Million to help CLTs and other nonprofits purchase distressed properties
instead of investors, consistent with California policy.
• Review its commercial real estate lending policies so that they align with our Anti-
Displacement Code of Conduct.
CDFIs. We note that Chase achieved high marks for its support of CDFIs in a CCEDA and Rise
Economy survey of CDFIs and CDCs, and those efforts are appreciated. During the meeting, Rise
8
Economy members, however, expressed concern that Chase is not partnering with smaller
CDFIs that are more likely to be led by people of color. Members noted that smaller and
emerging CDFIs aren't able to access the same opportunities as bigger and more established
ones. Emerging CDFIs are often overlooked and left behind, resulting in small CDFIs being
unable to rise to the next level to qualify for more funding from bigger banks. We also noted
that Chase was behind its REC goal for New Markets Tax Credit investments, though the bank
reported it is taking action to address this deficiency.
We as
k the Bank to increase local support of and engagement with CDFIs, and to track and to
dedicate funding to smaller and BIPOC-led CDFIs in California.
Supp
lier Diversity. A Rise Economy member asked whether Chase has a goal for its supplier
diversity efforts in California and if this goal includes a subgoal for the Asian American Pacific
Islander community, in addition to other groups. This question was not answered.
Can you
provide data for the Bank’s supplier diversity performance in California for 2022 and
2023 for all race, ethnic, and gender groups, and the Bank’s goals for supplier diversity in 2024?
Small B
usiness Banking. Rise Economy members noted that Chase appears far behind its small
business lending goals from the REC, not even hitting its baseline performance. We appreciate
the Bank’s efforts to develop a small business special purpose credit program, to lower lending
limits and offer smaller sized loans, and to mentor small businesses. While we appreciate that
COVID has impacted big banks as well as small businesses, Rise Economy members also noted
that the Bank’s small business goals were developed during COVID. Rise Economy members
asked how they can help Chase meet its small business lending goals.
We as
k the Bank to commit to:
• Specific marketing dollars to support ethnic media in California, to increase annually
over a five-year period.
• Creating a commercial down payment assistance program via a Special Purpose Credit
Program to help BIPOC small business owners purchase their buildings, build wealth
and avoid displacement.
• Specific dollar commitments in support of small business technical assistance in
California, to increase annually over a five-year period.
• Sharing data on the percentage of CRA small business loans in California which are
credit card loans, versus term and other types of credit products, including the
neighborhood demographics for loans originated through each lending channel.
9
Philanthropy. The REC commits Chase to contribute $2B to underserved communities, though
actual performance appears to be lagging.
Ris
e Economy members noted that Chase may do a good job with philanthropy to large
nonprofits, but does less well in supporting smaller organizations. For example, the Bank has
developed and deployed its own financial literacy program instead of supporting local
nonprofits that have the necessary cultural competency, community relationships, and
language access to properly serve the community (and in many cases, are already doing this
work). The Bank should view capacity building of small nonprofits tied to the community as a
good investment.
Ther
e is also a need to support faith based organizations, especially those exploring whether
they can take advantage of a new state law making it easier to build affordable housing on
Church-owned properties.
As wi
th many areas of the Bank’s performance, we are unsure about the Bank’s overall
philanthropy efforts in our state. In contrast, U.S. Bank has made a transparent commitment
to Rise Economy that it will donate $40 million/year in CA over the next 5 years. At the same
time, we believe that Chase is roughly 3x the size of U.S. Bank in California. We believe that in
order to keep pace with U.S. Bank while accounting for its much bigger size, Chase would need
to commit approximately $120 million/year in philanthropy in our state.
We a
sk the Bank to commit to increase grants in California substantially each year for the next
5 years so that it is at least in line with U.S. Bank’s commitment, accounting for size.
Co
nsumer accounts and customer service. As noted above, Chase does offer its own financial
literacy program. However, there is concern that the Bank may be using financial literacy as a
marketing tool to promote its own products. In contrast, nonprofit organizations that teach
financial literacy aim to empower clients with information, enabling them to make informed
financial decisions. Nonprofits do not steer clients towards a particular banking institution but
provide them with knowledge so they can choose a bank that best suits their financial needs.
The goal of nonprofit financial literacy programs is to ensure that clients can make fair and
well-informed financial choices, enhancing their financial well-being.
One
Rise Economy service provider member expressed concern that their clients were
receiving poor treatment at Chase branches when they tried to open accounts. The Director, a
Chase customer for over a decade, also indicated that when they reached out to Chase to
discuss the matter, no return call was made.
10
Further concern was expressed by Rise Economy membership that Chase contracts with
collection agencies to recover debts, often without properly notifying the client. Lack of proper
communication leaves clients unaware that they are being sued, resulting in significant harm to
low to moderate-income (LMI) communities. These collection efforts are reported to
sometimes extend to the point of contacting clients' employers to garnish their wages, putting
clients at risk of losing their jobs. Additionally, it was asserted that bank accounts are being
levied, causing further financial strain. It's important to recognize that when a client is unable
to pay their credit card bill, it's typically due to financial hardship. Rather than working directly
with clients to find mutually beneficial solutions for debt recovery, we are concerned that
Chase's approach can lead to dire consequences, potentially pushing individuals toward
homelessness.
For
its part, the Bank expressed that Chase community managers are from the community,
speak the languages of the community, don’t sell products as a default, and are measured by
participant experiences, which all sound very positive. We are not sure how to reconcile these
vastly different perspectives
Add
itionally, as many banks move to reduce or eliminate pernicious overdraft fees, Chase
retains its place in the top two of institutions, charging $1.2 Billion in fees in 2022, according to
CFPB analysis. Through the fourth quarter of 2023, Chase has collected $1.104 Billion in
overdraft related surcharges, according to its Call Report. Chase appears to charge overdraft
fees of $34 per overdraft (if the account is overdrawn by $50 or more) and permits its
customers to overdraw and be charged up to 3x a day, for a total of $104/day.
We a
sk the Bank to eliminate OD fees altogether. If it refuses to do so, we urge the Bank to at a
minimum, reduce its OD fees to $10 per day and only allow 1 OD per day.
Rur
al and Native American communities. As has been the case for many years, organizations
serving the San Joaquin Valley and other rural areas within the state feel neglected by Big
Banks. To the extent the bank has special products, or Special Purpose Credit Programs, these
need to be made meaningfully available in rural communities as well as in the cities. Rise
Economy members from the Central Valley and serving the Native American community
indicated they did not experience any Chase Community Centers in their area. When staffed
with culturally competent community managers, these locations can provide critical access to
Native American rural communities. We need targeted outreach and support for Native
American communities. Chase can work through Tribes to most effectively serve Native
Americans. Finally, there is a lack of investments and lending in rural California, particularly the
Central Valley.
11
We request that Chase make specific commitments to tribes in California, commit resources to
Native and tribal outreach, and commit to develop a plan to serve Native American, tribal and
indigenous communities in California. We further ask the Bank to report on the total amount of
CRA activity in each of the thirteen counties of the San Joaquin Valley, and to compare the
percentage of California reinvestment in each county to each county’s percentage of Chase
deposits in the state. We also ask that all special products that are currently restricted
geographically be made available and advertised in the Valley and other rural parts of the state.
Cli
mate Change and Environmental Justice. Rise Economy members have become increasingly
concerned about the disproportionate impacts on BIPOC communities of climate change. Banks
primarily connect to this issue through the financing of fossil fuels. And in this regard, Chase is
arguably the most problematic banking organization in the world. According to the Banking on
Climate Chaos report, the Bank is the worst offender in the world, investing and lending a
devastating $434.15 Billion in fossil fuel financing since the Paris agreement, with $39.2 Billion
in financing in 2022 alone.
Add
itionally, Rise Economy research, in partnership with Rainforest Action Network (RAN), has
also identified billions of dollars in underwriting to companies operating facilities in California.
Further, Rise Economy research of Payment Protection Program SBA data found that Chase
originated nearly 800 PPP loans to Mining, Oil and Gas Extraction Companies, collecting an
estimated $4 Million in fees for doing so. And we are concerned that we are only scratching the
surface in our understanding of how Chase is financing climate change. As one example, our
allies at Public Citizen discovered that a Chase controlled company was the source of a recent,
huge oil spill in the Gulf of Mexico.
Unfo
rtunately, we did not have time for a full discussion of the issues, including an opportunity
for Chase to respond, during the meeting. Rise Economy members testified compellingly to the
health impacts of having bank-financed refineries in the middle of residential neighborhoods,
and the connections between bank financing, environmental racism, and housing instability.
Further, Rise Economy was alarmed to see the bank's new energy mix target in your November
Climate report last year. Our concern is that by mixing these metrics it makes it harder to
understand the level of fossil fuel investment the bank will be engaged in. We recognize and
see value in some ability to account for financing of the energy transition, but we don't think
this is the right way to do it.
Finally, we are disappointed to see that JPMorgan Asset Management is departing from the
Climate Action 100+ initiative, which comprises hundreds of institutional investors with tens of
trillions of dollars under management that have committed to engage with major corporate
polluters on climate disclosures and actions. The departure, along with that of State Street
12
Global Advisors and a pullback from Blackrock, weakens “the climate group’s plan to use
shareholder influence to step up pressure on polluting companies to decarbonise, because they
mean that none of the world’s five largest asset managers are fully behind the effort.” For its
part, Chase “said it had made a ‘significant investment’ in its own stewardship team and
corporate engagement: ‘Given these strengths and the evolution of its own stewardship
capabilities, JPMAM has determined that it will no longer participate in Climate Action 100+
engagements.’” Yet, some see this move by Chase as caving to anti-ESG political pressures. We
will be watching to see if all JPMorgan Chase entities are helping or hurting efforts to mitigate
the advance and the impacts of climate change.
We ask
the Bank to:
• Refrain from any new financing of fossil fuel extraction activities, either through
corporate or project-based finance. This is critical to the survival of the LMI
communities of color the Bank is meant to serve. First Republic Bank, which Chase
acquired, made a similar commitment.
• Share its policies designed to ensure that California communities of color are not blue-
lined and denied bank products or offered bank products at a higher price due to
perceptions about the climate related risk associated with our communities.
• Commit significant and specific investment dollars in climate and weather resiliency
efforts in BIPOC communities in California. The Bank should develop and disclose a
funding goal for this for 2024, with increases in ensuing years.
Lobbying and Litigation. The Bank’s Environmental, Social, Governance Report and its Racial
Equity Commitment are replete with statements regarding how the Bank will use its
considerable influence to impact policy decisions that in turn will impact LMI and BIPOC
communities. Examples include:
• “We execute on and enhance our six-pillar Community and Affordable Lending strategy
… participating in policy reform to drive more inclusive growth.“
• “Our commitment to closing the racial wealth gap will remain, no matter what
headwinds and economic uncertainties we face.”
• “We are advancing policy reforms that promote access to capital and advisory
assistance for underserved entrepreneurs.”
• “We are committed to considering diverse perspectives, particularly those of the
communities we serve, in the Firm’s decisions.”
• “We are committed to independent decision-making at the Firm and providing
appropriate feedback on the efforts by these associations, including where there is
misalignment between the Firm’s ESG objectives and trade associations positions or
activities.”
• “The firm continues to support and advocate for the goals of section 1071 of the Dodd-
Frank Act, which will mandate collection of data on small business loan applicants,
13
including the race of the principal business owners. However, the rule implementing
section 1071 is not yet finalized or in effect….The firm is committed to doing its part to
help close the racial wealth gap and drive inclusive growth”
Yet we are concerned that we have seen Chase show up on the wrong side of important policy
and legal initiatives that have a profound impact on LMI and BIPOC communities, including the
debate on section 1071 of the Dodd Frank Act, which the Bank suggests it strongly supports.
We have reiterated our dismay that the Bank, through its trade associations, opposed the
Consumer Financial Protection Bureau (CFPB)’s efforts to fight non-credit discrimination
through its supervision authority. The American Bankers Association (ABA), Consumer Bankers
Association (CBA), and Chamber of Commerce went so far as to argue that the CFPB is
unconstitutional, an argument that was made by the payday lenders and that went all the way
to the United States Supreme Court, and which threatens to undermine many of the consumer
protections our coalition has fought to secure. We note that Chase appears to be represented
on both the ABA and CBA Boards of Directors.
We
were further dismayed to see the ABA join the lawsuit challenging the final section 1071
small business data collection rule, which Rise Economy members have long sought and fought
to establish. The ABA apparently also lobbied in favor of the Congressional Review Act
Resolution through which the industry and certain members of Congress sought to overturn
the Section 1071 rule. We do not understand how the Bank can make statements in response
to the murder of George Floyd and in support of racial justice and closing the racial wealth gap,
and tout its interest and ability to influence policies for the good of communities, all the while
being a prominent stakeholder in efforts to oppose the Section 1071 Rule.
We a
lso know that Chase lobbying has been counterproductive to policies designed to slow
climate change. According to CERES, in the last three years, Chase has not met expectations for
advocating for Paris aligned climate policies as part of a coalition of companies, and has not
met expectations to refrain from opposition to Paris aligned climate policies. And according to
Influence Map, Chase has a Sustainable Finance (Paris aligned policies) score of “D”; and a
Climate Results (disclosures, ESG, etc.) score of “C-”. Additionally, we note that our allies at the
Interfaith Center for Corporate Responsibility and other shareholder organizations have
expressed concern with Chase and a few of its peers regarding declining support for climate
and ESG related proposals. And of great concern to Rise Economy and our members, we see
that JPMorgan Chase is represented on the board of directors of the California Chamber of
Commerce, which recently filed a legal challenge against two “nation-leading climate disclosure
laws.”
14
Last but not least, the ABA has filed a legal challenge to the new Community Reinvestment Act
(CRA) final rule, which, while not perfect from our perspective, would likely promote an
increase in investment in underserved communities.
JPM
organ Chase sits not only on the board of the ABA, but is the only bank to have a seat on
the board of directors of a Plaintiff in all of the recent industry challenges of great concern to
Rise Economy and our membership noted above. While Chase talks about using its influence to
further policies to support communities, its actions at best show it to fail to exercise its
influence to prevent profound challenges to landmark and impactful policy matters that would
significantly benefit BIPOC communities and our planet.
We ask CEO Jamie Dimon and JPMorgan Chase to respond to our letter dated September 8,
2023 on these issues, to strongly, affirmatively, and publicly support the Section 1071 and the
CRA Rules, and to use its influence so that banking trade groups of which it is a member refrain
from lobbying against consumer protections and measures designed to reverse the causes and
impacts of climate change on our communities.
The Firs
t Republic Bank Acquisition. We asked how Chase is honoring First Republic Bank
funding relationships and pipeline projects, whether it was keeping FRB staff, and whether it
was continuing FRB commitments (including commitments to address displacement financing
concerns and to refrain from financing fossil fuel companies and projects). We had raised
these issues via a public statement when the acquisition was announced and in ensuing
conversations with Chase staff. Yet, Rise Economy members noted that the first thing Chase did
after the acquisition was to move to close 21 branches in our state.
We b
elieve FRB engaged in at least $4-$5 Billion in CRA activity in CA per year. Does Chase
believe there is a different baseline? If not, is Chase planning to invest an additional $4-$5B in
CRA in California per year to make up for the loss of FRB? Will Chase disclose the CRA baselines
for FRB and Chase in California in 2021 and 2022, and indicate what its goals are for 2024
through 2028? Will Chase negotiate a CBA with Rise Economy and our members?
Follow
-up Meetings. Lastly, throughout the meeting in November, there were several issues
that were flagged by Chase bank staff as opportunities for further discussion with Rise
Economy members. In an effort to balance the capacities of our respective organizations, we
suggested moving forward with one follow-up meeting, early in 2024, on the issue of housing
(affordable housing development, preservation, BIPOC homeownership, and foreclosure
prevention).
We
thank you for agreeing to this arrangement and look forward to a productive meeting.
15
and thank you and your colleagues again for agreeing to meet,
for being engaged during a long meeting, and for your willingness to respond to each of the
requests made in this letter. We ask that you respond by March 15, 2024.
We appreciate your int
erest in helping to meet the needs of California communities. We
believe that our communities deserve transparency relating to bank performance and goals in
meeting these needs. Please let us know if you agree.
If you have any ques
tions about this letter or want to discuss follow up items emanating from
the meeting and this letter, please feel free to contact us
@rise-economy.org
or
@rise-economy.org.
On behalf of R
ise Economy, our member organizations, and the communities we represent, we
thank you for your efforts.
Very Truly Yours
,
Chief of Legal and Strategy Southern California Organizer
cc: Acting Com
ptroller Michael Hsu
Federal Reserve Board of Governors Vice Chair Michael Barr
March 8, 2024
Via Electronic Mail
[REDACTED CONTENT], Chief of Legal and Strategy
[REDACTED CONTENT], Southern California Organizer
Rise Economy
[REDACTED CONTENT]
Oakland, CA 94612
RE: 40 California Organizations Comment on JPMorgan Chase Bank’s CRA Performance
and Identify Community Credit Needs and Opportunities: Follow up to November 1,
2023 Meeting
Dear Messrs. [REDACTED CONTENT] and [REDACTED CONTENT],
This letter responds to the Rise Economy (Rise) letter to [REDACTED CONTENT], [REDACTED
CONTENT], [REDACTED CONTENT] and [REDACTED CONTENT] of JPMorgan Chase Bank, NA
(JPMCB) dated February 20, 2024. Thank you for following up on our in-person meeting last November,
which we found both productive and insightful.
Rise makes several observations and seeks commitments from JPMCB in connection with our purchase
of First Republic Bank’s (FRB) assets. As we discussed in our meeting, many of the important topics
and issues discussed in Rise’s letter are addressed at the Firm level which ensures coordination and
prioritization. The Firm will also adopt initiatives, such as the Racial Equity Commitment (discussed in
more detail later), that articulate the purpose and goals similar to a Commitment Benefits Agreement
with timeframes, milestones and controls to measure progress and achievements. We appreciate the
opportunity to address these matters and share our comprehensive strategies in California which are
aimed at enhancing financial inclusion, supporting affordable housing, bolstering small business growth,
and promoting diverse supplier engagement. Our commitment to economic empowerment and racial
equity is reflected in our targeted investments and programs designed to address systemic challenges and
drive meaningful change in underserved communities.
JPMCB Branch Network
JPMCB maintains a strong branch distribution and, while many banks are closing branches, JPMCB
announced on February 6 plans to open more than 500 new branches over the next three years to provide
greater access to financial services, including for low- and moderate-income (LMI) and rural
communities. JPMCB takes a thoughtful approach to its branch network to ensure that branches are
located near customers’ homes, places of work, and other activities. Throughout California, JPMCB
maintains a branch network that serves LMI communities. During 2020-2023, JPMCB invested heavily
in its branches to ensure that branches are refreshed and meet customer needs, including opening two
Community Center branches which are located in historically underserved neighborhoods in Los
Angeles and Oakland. Additionally, JPMCB established or revitalized dozens of other community-style
branches – the vast majority of which are located in LMI areas. All of these branches provide a
dedicated space to
host community events and financial health workshops that are open to the public. Within the state,
JPMCB also remodeled dozens of other LMI branches to ensure a positive customer experience and
improve customer access to JPMCB’s banking services.
JPMCB purchased some FRB branches. As always, JPMCB seeks to place branches in the right places for
its customers. In some cases, FRB branches were across the street or very near to existing Chase
branches. In those situations, JPMCB assessed the branches in overlapping areas to determine which
would best serve its customers and their needs. With the transition, heritage FRB customers have access
to JPMCB’s entire network including its 4,800 branches, 15,000 ATMs and industry leading digital
capabilities. This is a big improvement from First Republic’s footprint, which was limited primarily to
offices in New York, Florida and California.
Homeownership, SPCPs, and Foreclosure Prevention
JPMCB is committed to addressing the homeownership gap with a strategic approach that encompasses
our comprehensive suite of business, data, policy, and philanthropic resources. Our efforts are particularly
focused on enhancing housing affordability, stability, and increasing homeownership opportunities for
Black, Hispanic, and Latino households. Highlights of our initiatives include:
$30 Billion Racial Equity Commitment: As part of this commitment, JPMCB’s home lending
business pledged an additional $8 billion in mortgages and $4 billion in refinancing loans to Black,
Hispanic, and Latino households by 2025, underscoring our dedication to making homeownership
more accessible and equitable.
Special Purpose Credit Program (SPCP) : Launched in 2021, the SPCP aims to improve access
to credit and offer credit on more favorable terms in minority majority census tracts. In the Retail
channel, enhancements to this program include a homebuyer grant increase to $7,500, available in
over 10,000 census tracts, to assist with one of the key factors impeding access to credit – down
payments and closing costs, reflecting our responsiveness to community feedback. In the
Correspondent channel, the SPCP supports regional mortgage lenders that originate loans in
minority communities across JPMCB’s footprint by offering improved pricing and/or expanded
credit guidelines through our Community Lending Program.
DreaMaker Mortgage Program: Targeted towards LMI customers, the DreaMaker mortgage
offers competitive rates, low down payments, and reduced mortgage insurance. Eligible customers
can receive up to $7,500 in homebuyer grants, promoting broader access to homeownership.
Support for Heirs Property Homeowners: JPMCB is actively involved in policy advocacy and
supports initiatives designed to preserve generational wealth through homeownership. Our
contributions include a $500,000 grant to [REDACTED CONTENT] for the establishment of an
Estate Planning and Heirs’ Property Legal Clinic, aiming to educate attorneys and provide free
legal services in estate planning across the country.
Policy Advocacy: Our policy recommendations focus on preventing and resolving heirs’ property
cases, ensuring families have access to estate planning options, and supporting the Uniform
Partition of Heirs Property Act (UPHPA) to safeguard families from losing their homes due to
partition sales.
Foreclosure Prevention: JPMCB’s home lending business implemented a variety of forbearance
programs to assist customers with both federally backed and non-federally backed loans. These
programs, tailored in accordance with the guidelines of applicable investors/insurers, encompass
options like unemployment and disaster forbearance. The specific details and eligibility criteria of
2
these programs vary based on the investor or insurer involved, ensuring a broad spectrum of
support tailored to diverse customer needs during challenging times.
JPMCB remains steadfast in our commitment to close the homeownership gap, leveraging our resources
to foster an equitable and inclusive housing market. We are dedicated to continuous dialogue and
collaboration with community partners to refine and advance our strategies for impactful change.
Level of Community Development
Investment
from
JPMCB and
FRB
As an active and national leader in community development (CD) finance, JPMCB promotes affordable
housing, economic development and the revitalization of LMI communities across the country. JPMC’s
level of community development investment has not diminished but rather increased since the acquisition
of FRB assets. In JPMCB’s last CRA Performance Evaluation (covering 2014-2019), it conducted an
average of $309 million in investments per year in California. In FRB’s last CRA Performance
Evaluation (covering 2018-2021), it conducted an average of $265 million in CD investments per year in
California. In 2023, JPMCB invested over $800 million in community development initiatives in
California, far exceeding the combined annualized investments for the prior exam periods. [REDACTED
CONTENT] in South Los Angeles, summarized below, is a great representation of our ability to respond
to community needs while deploying our expertise and resources towards complex transactions.
[REDACTED CONTENT] - Los Angeles, California: Once a center for a variety of retail
businesses, the corner of South Vermont and Manchester Avenues was vacant for years. Co-
developers [REDACTED CONTENT], [REDACTED CONTENT], and [REDACTED
CONTENT] came together to build [REDACTED CONTENT] to address the needs of a
historically marginalized and under-resourced neighborhood, where 78% of residents earn low-to-
moderate incomes. [REDACTED CONTENT] is a new mixed-use seven-story development that
will deliver 180 total units at 30%-60% AMI for seniors and families, retail stores, a transit plaza,
and a Metro training facility. The first phase of construction saw the development of the SEED
School of Los Angeles, the county’s first public charter boarding school that prepares students for
careers in transportation infrastructure, STEM, and the humanities. The residential units, led by
[REDACTED CONTENT] and [REDACTED CONTENT], will offer 62 permanent supportive
housing apartments for seniors who have experienced chronic homelessness, and feature 118
affordable homes for families with low incomes, including 60 permanent supportive housing units.
Commercial space will be anchored by a grocery-anchored retail space and auxiliary space, with a
focus on local businesses. The retail and commercial space will generate an estimated 155 full-
time jobs; in the meantime, through a local-hire program, the construction of [REDACTED
CONTENT] itself will provide an estimated 120 new jobs and training opportunities for the local
workforce. [REDACTED CONTENT] location along the Vermont Corridor, is home to the second
busiest transit stop in the entire Los Angeles Metro system. In addition to the residential
development, the project also focuses on public transit. This is exemplified by a new, landscaped
public transit plaza located on Vermont Avenue, plus improved pedestrian and cycling connections
to provide easy access to bus and rail lines for residents, and a Metro training center to facilitate
employment into public transit jobs, all on the project’s site.
The project includes $92MM in construction loans, $64MM in LIHTC equity, and $40MM in
New Market Tax Credit Qualified Equity to support construction of a transit oriented and mixed
use, 180-unit affordable housing development aimed at low-income families, seniors experiencing
homelessness and/or mental illness, and Transition Aged Youth in South Central Los Angeles.
JPMCB Chase is also providing $40,000,000 in New Market Tax Credit Qualified Equity
3
Investments for the construction of retail and workforce development space as part of the mixed-
use development.
Affordable Housing
Advancing affordable housing has always been and will be a key firm goal. Our comprehensive approach
involves leveraging our industry expertise, financial solutions, and a strategic combination of business and
philanthropic efforts to support the entire lifecycle of affordable housing development. As part of
JPMCB’s 2020 Racial Equity Commitment, the firm aims to significantly enhance our affordable housing
efforts by financing the creation and preservation of 100,000 affordable rental units over five years. This
ambitious goal involves $14 billion in new loans, equity investments, and other initiatives. By the end of
2021, we had already approved approximately $13 billion in loans, aiding the preservation of over
100,000 affordable housing and rental units across the United States. Key components of our strategy
include:
Community Development Banking (CDB): Over the past decade, CDB has provided over $2
billion in financing nationally to community development intermediaries, including Community
Development Financial Institutions (CDFIs) and Low-Income Housing Credit (LIHTC)
syndicators. In the Los Angeles area, notable partnerships include financing and banking services
for [REDACTED CONTENT], a mission-driven CDFI focused on affordable home development
in California.
New Market Tax Credits (NMTC) Investments: Our NMTC investments are designed to
deeply impact underserved communities by supporting affordable housing development,
community facilities, and small businesses. These investments not only drive economic growth
but also address critical social inequities.
Community Development Banking Capital Solutions: This specialized team is dedicated to
providing innovative financing options for affordable housing and community facilities. By
collaborating with a wide range of capital sources, the firm is able to offer unique solutions that
meet the diverse needs of community development projects.
$500 Million Commitment to Affordable Preservation Funds: Of this commitment, $76
million has been allocated to support affordable housing preservation, demonstrating our ongoing
dedication to maintaining and enhancing affordable living spaces.
Expansion of Lending to CDFIs: In line with our Racial Equity Commitment, Community
Development Banking (CDB) is expanding lending to CDFIs by $300 million. Efforts include
potential financing arrangements with [REDACTED CONTENT], [REDACTED CONTENT],
and [REDACTED CONTENT], further supporting affordable housing and community
development across diverse regions in California.
Notable Projects: In 2023, JPMCB invested in four significant projects across California,
totaling $80.5 million in qualified equity investments. These projects, such as [REDACTED
CONTENT] in Oakland and [REDACTED CONTENT] in San Rafael, exemplify the firm’s
commitment to supporting minority-led organizations and initiatives that contribute to the vitality
of their communities.
JPMCB's approach t
o affordable housing is multi-faceted, aiming not only to finance and preserve
housing units but also to support the broader ecosystem of community development. Through targeted
investments, strategic partnerships, and innovative financing solutions, we are dedicated to making a
lasting impact on affordable housing availability and quality, particularly in underserved communities.
4
Philanthropy and Support for CDFIs
Our Firm believes that we are only as strong as the communities we serve and the economies they
support. That core belief leads JPMCB to build opportunities in neighborhoods and communities across
California and the globe. We understand we can play a role to drive local economies, helping
communities grow and building personal prosperity. This is particularly important during challenging
times, as we continue to help build a more sustainable, inclusive economy. Our efforts are focused where
we believe we can leverage our business and expertise to create meaningful impact, including through:
Building careers and skills
Fueling business growth and entrepreneurship
Catalyzing community development
Strengthening financial health and wealth creation
Promoting environmental sustainability within our communities
As a core component of this strategy, JPMCB is deeply committed to supporting CDFIs across California,
leveraging a broad spectrum of financing solutions from philanthropy to debt. Our collaboration with
CDFIs extends beyond financial support, offering resources like our Service Corps program, where
JPMCB employees lend their expertise to enhance organizational sustainability and community impact.
This commitment is evidenced by our significant contributions, including over $500,000 to Rise
Economy's Resilience Fund to bolster capacity building, technical assistance, and funding to BIPOC
(Black, Indigenous, People of Color) -led nonprofit organizations achieving CDFI certification.
Further affirming our role, a survey by the California Community Economic Development Association
(CCEDA) in collaboration with Rise Economy highlighted JPMC as a leading supporter (top 2 in terms
of philanthropic support) of CDFIs and CDCs in the state. This independent research underscores our
efforts to bolster the CDFI ecosystem, particularly recognizing our impact on BIPOC-led CDFIs and our
overarching dedication to sustainable community development and economic empowerment in
underserved communities.
Supplier Diversity
JPMCB is committed to fostering diversity and inclusion within its supply chain, prioritizing partnerships
with businesses owned by historically underrepresented groups, including minorities, women, military
veterans, disabled veterans, service-disabled veterans, people with disabilities, and members of the
LGBT+ community.
Our supplier diversity mission focuses on three main pillars: enhancing diversity in our supply chain,
reflecting the demographics of our customers, and stimulating economic growth in the communities we
serve. To build capacity and expertise among diverse suppliers, we invest in their development, ensuring
they are well-positioned to collaborate with us and other corporations.
This commitment was further intensified in 2020 with our Racial Equity Commitment, where we pledged
to spend an additional $750 million with Black, Hispanic, and Latino suppliers over five years, marking a
significant step towards economic inclusivity and the empowerment of diverse entrepreneurs.
Small Business Banking
Under our 2020 Racial Equity Commitment, JPMCB pledged to extend an additional $2 billion in loans to
small businesses in predominantly Black, Hispanic, and Latino communities over five years. Our Minority
5
Entrepreneur Consultant program, initiated in 2020, has successfully deployed 51 consultants across 13
key cities, focusing on coaching and advising Black, Latino, and Hispanic small business owners. This
program has already mentored over 4,000 entrepreneurs, with plans for expansion in 2024 due to its
success.
Recognizing the historical challenges in accessing capital faced by small business owners in communities
of color, Chase aims to facilitate this through our Special Purpose Credit Program (SPCP) for business
loans and credit cards, targeting businesses in majority Black, Hispanic, and Latino neighborhoods. This
initiative has supported over 10,000 small businesses in accessing credit more responsibly across the 48
contiguous states, demonstrating our commitment to changing the landscape of financial support for small
business owners in underserved communities.
Consumer Accounts and Customer Service
JPMCB has undertaken significant initiatives to enhance access to financial services in underserved
communities. Since October 2020, we have inaugurated 10 Community Center Branches in Low and
Moderate Income (LMI) neighborhoods, introducing a community-inspired model offering free financial
health resources, skills training, local pop-up shops, and fintech innovations. Notably, two of these centers
were opened in California in 2021, located in Oakland and South Los Angeles.
Additionally, as part of our Racial Equity Commitment, we opened 47 out of a planned 100 new branches
in LMI areas nationally, significantly focusing on communities with larger Black, Hispanic, and Latino
populations. By 2021, California boasted 250 JPMCB branches in LMI and communities of color.
Further supporting our community engagement, over 100 Community Managers have been appointed
nationwide to serve as local ambassadors, fostering relationships with community leaders, nonprofit
partners, and small businesses, while also offering one-on-one financial coaching and spearheading
financial health initiatives within our branches.
Climate Sustainability
Sustainability and the management of climate-related risks and opportunities remain high priorities to
JPMCB. Our sustainability strategy encompasses comprehensive efforts to finance sustainable
development, reduce our operational environmental impact, and collaborate with clients to embrace green
initiatives. Through significant commitments to renewable energy financing and developing sustainable
solutions, we aim to lead by example in addressing climate change and promoting environmental
stewardship within the communities we serve.
Our participation in Climate Action 100+ in 2020 was a step towards enhancing our engagement with
companies on climate change, reflecting the importance we place on understanding and addressing the
material economic risks and opportunities presented by climate change. Despite not renewing our
membership, JPMorgan Asset Management (JPMAM) has significantly bolstered its sustainable investing
efforts, including a dedicated team of 40 sustainable investing professionals and a global investment
stewardship team. These teams, supported by in-house climate research specialists and 300 global
research analysts, continue to review and minimize climate risk in our investment stewardship efforts. Our
unwavering belief in the materiality of climate change to our clients' accounts underpins our
comprehensive approach to investment stewardship and climate research.
6
Conclusion
JPMCB is deeply committed to advancing economic inclusion and equity across the communities we
serve. We appreciate the opportunity to address these matters and share our comprehensive strategies
aimed at enhancing financial inclusion, supporting affordable housing, bolstering small business growth,
and promoting diverse supplier engagement. Our commitment to economic empowerment and racial
equity is reflected in our targeted investments and programs designed to address systemic challenges and
drive meaningful change in underserved communities. Our work to support the economic and financial
well-being of the communities we serve is on-going, and emblematic of our deep commitment to
communities across the state of California.
We will continue to foster and maintain open communication with Rise Economy and all our community
partners. In the spirit of transparency, we are dedicated to engaging in proactive dialogues, seeking
feedback, and adapting our strategies to better meet the needs of the communities we serve. The
importance of accurate, consistent data underpins our global operations, requiring meticulous internal
coordination to ensure our outcomes are reliable and in line with compliance standards. This is
demonstrated in our annual ESG Reports, providing transparency around our progress in meeting our
goals, like those that are part of our Racial Equity Commitment. We welcome continued dialogue with
Rise Economy and its members on our progress.
We have also noted the feedback and requests for commitments expressed by Rise Economy throughout
each of the core topic areas. We approach these discussions with a focus on constructive engagement,
aiming to find meaningful ways to collaborate and make progress on shared objectives. Our commitment
to enhancing economic inclusivity and community well-being guides our actions, as we continuously
explore opportunities to align our initiatives with the aspirations of the communities we serve.
Respectfully,
[REDACTED CONTENT]
West Region Executive, Community Engagements
cc: Ac
ting Comptroller Michael Hsu
Federal Reserve Board of Governors Vice Chair Michael Barr
7
1
GREATER ROCHESTER
COMMUNITY REINVESTMENT COALITION
[REDACTED CONTENT]
ROCHESTER, NEW YORK 14614
March 19, 2024
[REDACTED CONTENT]
Examiner-In-Charge
JPMorgan Chase Bank, N.A
Office of the Comptroller of the Currency
7 Times Square, 13th Floor
New York, NY 10036
Via email: [REDACTED CONTENT]
RE: JPMorgan Chase CRA Exam
To [REDACTED CONTENT]:
We are writing to you on behalf of the Greater Rochester Community Reinvestment Coalition
(GRCRC) to submit comments regarding JPMorgan Chase’s (JPMC) CRA Exam conducted by
the Office of the Comptroller of the Currency (OCC) and covering 2020-2023.
The Greater Rochester Community Reinvestment Coalition (GRCRC) was launched in 1993 to
generate and continue discussions about lending patterns in Rochester. GRCRC, convened by
Empire Justice Center, has met with numerous banks and state and federal regulators during
CRA exams and mergers, and submitted dozens of data-driven comments to the appropriate state
and federal regulators who have oversight of the banks. GRCRC, Empire Justice Center, and its
predecessor organization the Public Interest Law Office of Rochester, have released seventeen
analyses of home mortgage lending, small business lending, and access to credit over the past 29
years. The organizations use data driven analyses to identify strengths and weaknesses in lending
patterns and to generate discussions with the top financial depositories in the Rochester NY
MSA.
1
1
Our analyses include “#AllTogetherNow: Improving Small Business Lending in the Rochester NY Community”
(found at: https://empirejustice.org/wp-content/uploads/2018/01/alltogethernow-s.pdf) and “Too Big to Fail...Too
Poor to Bank: How Mainstream Financial Services Can Help Low-I
ncom
e Working Families Succeed” (found at:
https://empirejustice.org/wp-conte
nt/uploads/2018/09/Access-to-Credit-Report-2018-FINAL.pdf).
2
In preparing for these comments, we asked JPMC to share its community development lending
and investments and CRA-related grants (CDLI) with us. We used the numbers the bank shared
with us in Tables 10 and 11 to calculate the total reinvestments JPMC has made in the Rochester
community over the exam period and to estimate the percentage of deposits reinvested.
We met with examiner and community affairs staff of the OCC on March 14 to share some of the
comments here as well as what we were seeing in the Rochester NY market. We thank them for
taking the time to meet with us.
We shared a draft of this letter with JPMC on March 12
th
. The bank replied that its response to
our letter will be after our deadline of March 19
th
to submit our letter to the OCC. We look
forward to reading the bank’s response and further engaging with the bank to support the
Rochester community.
As of June 30, 2023, JPMorgan Chase had $3.43 billion in deposits at its 23 Rochester
metropolitan statistical area (MSA) offices for 14.5 percent of the depository market, making
JPMC the third largest bank in the Rochester NY MSA.
2
(See Table 1 in Appendix 1.) However,
as JPMC is one of the country’s largest banks, the Rochester area comprises only 0.2% of the
bank’s national deposits. GRCRC continues to be concerned, through our experience with JPMC
and other large banks, that as banks grow, they focus less on smaller communities like the
Rochester NY area.
These comments focus on four areas:
• JPMC’s Reinvestment of Deposits into the Community
• JPMC’s HMDA/Mortgage Lending
• JPMC’s CRA Small Business Lending
• JPMC’s Response to Community Needs and Opportunities for Investment
JPMC’S REINVESTMENT OF DEPOSITS INTO THE ROCHESTER COMMUNITY
We thank JPMorgan Chase for sharing a detailed summary with us of its CRA-related
investments for 2020 through 2022. This information, as well as our calculations from publicly
available mortgage lending and CRA small business lending data are shown in Tables 10 and 11
in the Appendix to assess how much of JPMC’s deposits were reinvested into the Rochester
community during the exam period and how this compares to previous exam periods. We chose
to focus on 2020 through 2022 because the 2023 mortgage and small business lending data won’t
be publicly available in time to incorporate into our analysis.
2
From the FDIC Market Share 2023 Report, as found at: https://www5.fdic.gov/sod/sodMarketBank.asp?barItem=2
3
JPMC reinvested a total of $288.89 million in CRA-eligible loans, grants, and investments in the
Rochester community between 2020 and 2022, 3 years of the 4-year exam period. As seen in
Table 10 (Table 10a) in the Appendix, this included:
• $145.95 million in community development loans in the following categories:
o 8 – Affordable Housing
o 2 – K-12 Education
o 14 – Economic Development, Revitalization, and Stabilization
• $25.08 million of investments in 3 affordable housing development projects
• $795,000 for 6 CRA-eligible grants in the following categories:
o K-12 Education – 1
o Affordable Housing – 1
o Other (Adult financial education & non-profit support) – 4
• $40.58 million in mortgage loans to low-moderate income households and/or in low-
moderate income census tracts.
• $76.49 million in CRA small business loans to businesses in low-moderate income tracts
and/or to businesses with gross annual revenues under $1 million
We are basing our calculations of how much of its deposits JPMC is reinvesting in the Rochester
MSA community on its 2022 deposits, as that is the last year of the data we are using. JPMC
invested a total of $288.89 million in the Rochester MSA during the current exam period, and the
bank had $3.6 billion in deposits in 2022. We estimate that JPMC reinvested 7.9% of its deposits
into the Rochester community during the 2024 exam period (2020-2022), for an annualized
average of $96 million or 2.64% of deposits. (See Table 10, Table 10b.) JPMC’s annualized
dollar volume of $96 million in reinvestments for this exam is a substantial rebound from the last
exam on which we commented and similar to its annualized reinvestments for the 2011 and 2007
exams.
However, JPMC’s Rochester MSA deposits have grown by 83% since the 2007 exam while its
annualized reinvestments have only grown by 1%. Due to the large increase in its deposits and
lack of growth in average annual reinvestments, JPMC’s annualized percent of deposits
reinvested in the Rochester community for this exam is only 2.64%, 45% less than its 2007
exam rate of 4.78% and 62% less than the 2011 exam rate of 6.96%.
Today, JPMC has a substantially lower reinvestment rate than some of its peers. In October 2021,
GRCRC commented on the CRA performance of [REDACTED CONTENT], then the region’s
4
th
largest bank. We calculated that [REDACTED CONTENT] had annualized reinvestments of
$205 million for a rate of at least 7% per year.
3
In our May 2022 comment letter on
[REDACTED CONTENT] CRA performance, we calculated that [REDACTED CONTENT], the
area’s 7
th
largest bank, had annualized
3
See p.14 at: https://empirejustice.org/wp-content/uploads/2021/10/CNB-CRA-Exam-Comments-10-2021.pdf.
4
4
reinvestments of $91 million, for a rate of at least 6.7% per year. These reinvestment rates are at
least 2.5 times higher than JPMC’s 2.64% annualized reinvestment rate. The region’s largest
bank, M&T, also had substantially higher annual reinvestments in dollar volume and percentage
of deposits reinvested than JPMC. During its 2019-March 2023 exam period, M&T reinvested an
annualized average of $262 million or 5.34% of its deposits into the Rochester community.
5
We were also able to track how JPMC’s CRA-related reinvestments into the Rochester NY MSA
changed between 2020 and 2022 because we had annual mortgage and small business lending
numbers and the bank gave us its CDLI numbers by year. Table 11 shows that JPMC’s total
annual CRA-related reinvestments were $5.9 million or 6% higher in 2022 than in 2020.
However, because the bank’s deposits grew each year, JPMC’s reinvestments as a percentage of
its deposits remained very low and were 0.3 points or 9% lower in 2022 than in 2020.
The Community Reinvestment Act obligates banks to serve the communities in which they are
located. JPMC has 23 branches in the Rochester NY MSA and holds 14.5% of the area’s
deposits. JPMorgan Chase has an obligation to serve the Rochester community. As seen by its
rate of 6.96% in reinvestments during its 2011 exam period and compared to its peers, the bank
can do better. We urge JPMC to grow over the next several years its annual reinvestments
in its Rochester NY assessment area to 7% of its deposits, which is $255 million at the 2022
level of deposits. We believe JPMC can take a significant step toward this by increasing its
annual reinvestments by $100 million to an annualized average of $196 million or 5.4% of 2022
deposits.
We are mindful that we did not include the 2023 reinvestments in our analysis, so we urge the
OCC examiners and JPMC to use our methodology and include these reinvestments (with the
2023 deposits as the benchmark) to see if JPMC increased its annualized reinvestments and the
percentage of deposits reinvested.
JPMC’S HMDA LENDING IN MSA and UNDERSERVED COMMUNITIES
Our lending analysis focuses on originated loans. We examine lending from 2019-2022 to align
with the publicly available data for the exam period with a baseline of 2019 before the exam
period.
This section on JPMC’s HMDA lending is divided into the following categories:
• Total number loans and total dollar volume mortgage lending
4
See p.12 at: https://empirejustice.org/wp-content/uploads/2022/06/Five-Star-CRA-Exam-Comments-pdf-05-2022-
1.pdf.
5
https://empirejustice.org/wp-content/uploads/2023/05/MT-CRA-Exam-Comments-05-2023-pdf-002.pdf.
5
• Home purchase loans
• JPMC’s lending compared to its peers
JPMC Bank’s Total Mortgage Lending
Total Loans
In 2022, JPMC originated 251 mortgage loans (1
st
lien loans on owner-occupied (principal and
secondary), 1-4 family site-built units) in the Rochester MSA compared to 360 loans in 2019, a
decrease of 30 percent.
6
(See Table 2 in Appendix). JPMC’s low point for total loan originations
was 2020 for all categories. Loan originations then almost doubled for all categories in 2021
while total lending the Rochester MSA declined to near 2020 levels in 2022. Lending, however,
in all of the formerly redlined communities consistently increased between 2020 and 2022.
While JPMC’s total number of mortgage loan originations in the Rochester NY MSA was lower
in 2022 than in 2019, the bank performed better in 2022 than 2019 in the city of Rochester, to
Black and Latine households, in low-moderate income census tracts, and in majority
communities of color. Compared to 2019, JPMC’s 2022 lending was:
• 25% higher in the city.
• 2% higher among Black/Latine households.
• 9% lower among low-moderate income households.
• 31% higher in low-moderate income census tracts
• 115% higher in majority nonwhite census tracts (50% or more nonwhite residents).
Despite its lower Rochester MSA lending in 2022, JPMC made more loans in almost every
community category, resulting in a greater distribution of its loans among these categories in
2022 than in 2019 (see the bottom section of Table 2). JPMC’s 2022 performance was the same
as or stronger than that of all financial institutions (AFI) in the distribution of its loans across all
of the communities. Of the 251 loans JPMC made in 2022,
• 16% were in the city, compared to 9% in 2019, and 12% for AFI
• 20% were to Black and Latine households, compared to 13% in 2019, and 11% for AFI
• 43% were to low-moderate income households, compared to 33% in 2019, and 43% for
AFI
• 22% were in low-moderate income census tracts, compared to 12% in 2019, and 21% for
AFI
6
Empire Justice Center uses the Static HMDA LAR data from the CFPB website, at: https://ffiec.cfpb.gov/data-
publication/.
6
• 11% were in nonwhite census tracts, compared to 4% in 2019, and 8% for AFI
Total Dollar Volume Lending
In 2022, JPMorgan Chase originated an aggregate of $46.65 million in total mortgage lending
(1
st
lien loans on owner-occupied (principal and secondary), 1-4 family site-built units). As seen
by Table 3 in the Appendix, this was $8.2 million or 15% less than the bank’s dollar volume of
lending in 2019 and $39.7 million or 46% less than in 2021. The 2019 to 2022 decrease is
significantly less than the 30% decrease in the total number of loans during the same time period.
Despite the decrease in the Rochester NY MSA, JPMC’s total dollar volume of lending
increased or held steady in all other categories. Between 2019 and 2022, JPMC’s dollar volume
of lending:
• Increased by 33% in the city
• Increased by 1% among Black and Latine households
• Increased by 6% among low-moderate income households
• Increased by 67% in low-moderate income census tracts
• Increased by 148% in nonwhite census tracts.
The proportions of JPMC’s dollar volume of lending going to other areas of the Rochester
community in 2022 were greater than those of 2019 (see bottom section of Table 3) and
exceeded the average proportions of all financial institutions (AFI) in several categories except
to LMI households and census tracts.
Of the $46.65 million JPMC originated in the Rochester MSA in 2022,
• 10% went to the city, compared to 6% in 2019, and 8% for AFI
• 15% went to Black and Latine households, compared to 12% in 2019, and 9% for AFI
• 27% went to low-moderate income households, compared to 21% in 2019, and 29% for
AFI
• 14% went to low-moderate income census tracts, compared to 7% in 2019, and 15% for
AFI
• 6% went to nonwhite census tracts, compared to 2% in 2019, and 5% for AFI
Note that, for every year, the proportions of the total dollar volume of lending going to these
historically, and still, marginalized communities are less than the proportions of the number of
loans going to them. This suggests that the mortgages, and home values, in these communities
are on average lower than in other parts of the Rochester MSA.
7
JPMC’s Home Purchase Lending
Home Purchase Loan Originations
We also analyzed JPMC’s home purchase originations (1
st
lien loans on owner-occupied,
(principal and secondary) 1-4 family site-built units). As can be seen by Table 4 in the Appendix,
JPMC originated 119 home purchase loans in the Rochester NY MSA in 2022, 32% fewer than
in 2019. In 2020, the first year of the COVID-19 pandemic, JPMC made only 80 loans. While
the bank’s lending recovered somewhat in 2021, its 2022 MSA lending is essentially unchanged
from 2021.
JPMC also did fewer home purchase loans in two of the historically marginalized communities
in 2022 than in 2019, while doing more loans in the other three categories. Compared to 2019,
JPMC’s 2022 home purchase loan originations were:
• 10% more in the city.
• 10% fewer among Black and Latine households.
• 17% fewer among low-moderate income households.
• 24% more in low-moderate income census tracts.
• 80% more in nonwhite census tracts.
JPMC Bank’s distribution of its home purchase loans was greater in 2022 than in 2019 in all the
traditionally redlined and underserved categories. JPMC’s distribution was higher than that of all
financial institutions (AFI) in all but one category (see bottom section of Table 4). Of the 119
home purchase loans made by JPMC in 2022,
• 19% were in the city, compared to 12% in 2019, and 13% for AFI
• 23% were to Black and Latine households, compared to 17% in 2019, and 13% for AFI
• 41% were to low-moderate income households, compared to 34% in 2019, and 42% for
AFI
• 26% were in low-moderate income census tracts, compared to 14% in 2019, and 22% for
AFI
• 15% were in nonwhite census tracts, compared to 4% in 2019, and 9% for AFI
JPMC’s Mortgage Lending Compared to Its Peers
GRCRC believes in the importance of comparing the lending of a bank to its peers. As
JPMorgan Chase is the third largest bank in the Rochester area, we compare its lending to its
closest peers, the other of the eight largest banks in the Rochester MSA. In 2022, JPMC ranked
8
third in deposits in the Rochester MSA, with 14.5 percent of the market, so these might be
considered benchmarks as well.
Total Mortgage Lending Compared to Peers
Our first comparison is of the total number of mortgage originations by the top 8 banks (lst lien
loans on owner-occupied (principal and secondary), 1-4 family site-built units). As seen on Table
5 in the Appendix, JPMC originated 251 mortgage loans in 2022, making JPMC the 6
th
largest
lender among the top 8 banks. JPMC’s 1.5% Rochester MSA mortgage loan market share is
dramatically lower than its 14.5% depository market share, and its 6
th
place ranking among the
top 8 banks is lower than its 3
rd
place depository market share ranking.
Another way a depository can demonstrate its CRA commitment to a community is by
maintaining market shares in the various target communities that are similar to or greater than its
overall MSA market share (middle part of table). JPMC met or exceeded its 1.5% MSA total
lending market share in every historically redlined/underserved community. In 2022, JPMC had:
• 2.0% of the market in the city
• 2.5% of the market among Black and Latine households
• 1.5% of the market among low-moderate income households
• 1.5% of the market in low-moderate income census tracts
• 2.0% of the market in nonwhite census tracts
JPMC’s distribution of its total lending to all five target communities was similar to or higher
than the distribution of all financial institutions (AFI) and the “Top 8” banks (bottom part of
table).
Dollar Volume Lending Compared to Peers
In 2022, JPMC made $46.65 million in mortgage lending in the Rochester MSA, capturing 1.5%
of the market and ranking 6th among the top 8 depositories in the Rochester MSA. (See Table 6
in the Appendix.) This is substantially less than its depository market share and lower than its 3
rd
place depository market share ranking. While it may not be feasible for a bank to capture 14% of
the mortgage lending market, we want to point out that Canandaigua NB (the area’s 2
nd
largest
bank with 15% of the market) ranked 1
st
among the top 8 banks in the total number of loans and
dollar volume of lending, capturing 6.6% and 8.7% respectively, of these markets.
JPMC’s dollar volume market share in underserved markets was greater than its MSA lending
market share in 3 of the 5 market categories. Among Rochester’s various markets, JPMC had a
market share of:
9
• 1.7% in the city
• 2.3% among Black and Latine households
• 1.3% among low-moderate income households
• 1.4% in low-moderate income census tracts
• 1.8% in nonwhite census tracts
In the distribution of its dollar volume of lending among the various Rochester community
categories, JPMC Bank exceeded the percentages of AFI in 3 of the 5 categories and exceeded
the area’s “Top 8” banks in all categories (bottom section of Table 6).
Home Purchase Lending Compared to Peers
JPMC Bank made only 119 home purchase loans (lst lien loans on owner-occupied (principal
and secondary), 1-4 family site-built units) in the Rochester MSA in 2022. This corresponds to
1.2% of the market, placing JPMC 7th among the Rochester area top 8 banks in home purchase
loan originations (see Table 7 in the Appendix), substantially less than its depository market
share, and much lower than its 3rd place depository market share ranking.
JPMC’s home purchase loan market shares in all community categories were the same as or
more than its Rochester MSA market share of 1.2%. JPMC captured:
• 1.8% of the market in the city
• 2.2% of the market among Black and Latine households
• 1.2% of the market among low-moderate income households
• 1.4% of the market in low-moderate income census tracts
• 2.0% of the market in nonwhite census tracts
JPMC’s distribution of its home purchase loans to the above categories was more than the
distributions for the top 8 banks and AFI for all but the percentage of loans to LMI households.
A Snapshot of JPMC’s 2023 Mortgage Lending in Monroe County
Our coalition member, the [REDACTED CONTENT] (the Office), a service of the
1[REDACTED CONTENT], often does an analysis of a bank’s lending in Monroe County
and the 4 quadrants of the city of Rochester. For this letter, the Office did a search of Monroe
County records for all variants of “JP Morgan Chase, NA” for January 1, 2023 to December
31, 2023
10
and found 106 mortgages for 1 and 2-family dwellings.
7
Following is a summary of what the
Office found. (See also attached memo.)
• Of the 106 1-2 family loans, 34 (32%) were for city of Rochester residences and 72 (68%
were in properties in the rest of Monroe County.
o 7 of the city loans were in the SW Quadrant (19th Ward plus five adjacent
neighborhoods), suggesting balance across the city’s quadrants.
o 32 of the 34 city residential loans (94%) were for owner-occupied properties.
“This is a commendable very high percentage, indicating intentionality on the part
of Chase!”
o 22 of the 34 city loans, or 65%, were used to purchase a home. There were only 5
refinances, 5 loan modifications and no HELOCs.
[REDACTED CONTENT] of the [REDACTED CONTENT] concluded his analysis with,
“Although Chase is a relatively small player in Monroe County home purchase lending, we
found their support for owner-occupancy very welcome. Based on the above metrics, a larger
volume of Chase mortgages for owner-occupants would be welcome in the future.”
GRCRC urges JPMC Bank to financially invest in neighborhood-based organizations like the
[REDACTED CONTENT] and the [REDACTED CONTENT] as they are critical to supporting
Rochester’s neighborhoods and small businesses.
Conclusion: JPMC’s Mortgage Lending
GRCRC believes that traditionally underserved families and communities benefit more when
they obtain mortgages from lenders with a local depository presence than from little-regulated
mortgage companies or lenders with no local CRA obligations. It benefits both the borrower and
the bank when borrowers develop additional financial relationships with their mortgage lender.
The Rochester area top 8 banks are losing this advantage of multiple financial relationships; in
2022 they captured only 19% of the owner-occupied home purchase lending market.
Since 2014 JPMorgan Chase has not been a big home purchase mortgage lender; its biggest year
was 2019 when the bank originated 175 home purchase loans for only 2% of the market.
Between 2010 and 2013, JPMC made between 274 and 348 loans for 3-4% of the Rochester
MSA market.
As we all know, March 2020 was the start of the COVID-19 pandemic. JPMC has yet to fully
recover its home purchase mortgage lending to the level it was in 2019. This may be a sign that
7
According to the Office, the mortgages were primarily for purchases, plus a few refi’s and loan modifications.
11
the bank is pulling further back on its mortgage lending in Rochester, an MSA that is a drop-in-
the-bucket of its national depository market.
Racial Disparities in Homeownership and Lending
In October 2023 the Office of the New York State Attorney General (OAG) released a report on
racial disparities in homeownership, finding that, “People of color have lower rates of
homeownership in New York,”
8
and that,
• Homeownership in the state is concentrated in white households and neighborhoods.
White households are more than twice as likely to own their home as compared to Black
or Latino households.
• Lower homeownership rates for people of color are present in every single region in the
state, showing the pervasive and systemic challenges to closing the homeownership gap.
• Statewide, 7.6% of purchase applications were from Black residents and 9.5% were from
Latino residents, approximately half of each group’s representation in the overall state
population.
• People of color who apply for loans for purchase mortgages were more likely to be
denied.
o Applicants of color in New York are denied home purchase mortgages at higher
rates than are white applicants.
o This is true even when controlling for credit score, income, size of loan, debt-to-
income ratio, loan to-value ratio, and year of application.
9
A look at the distribution of bank branches further illustrates the broken relationship between
neighborhoods of color and lenders. The map of Rochester in Figure 5 shows bank branches [as
of June 2022] almost exclusively located in majority white neighborhoods. Most residents in
neighborhoods of color must travel much farther than their white neighborhood counterparts to
reach a bank.
10
8
https://ag.ny.gov/sites/default/files/reports/oag-report-racial-disparities-in-homeownership.pdf, p.2.
9
Ibid, p. 2.
10
Ibid, p. 16.
12
According to the OAG, while not illustrated like the above map, “This pattern is not unique to
Rochester: We see similar distributions across the state.”
11
The OAG looked at a variety of data points, controlling for credit score, income, DTI, and LTV.
It found that in Rochester, a Black applicant is 68% more likely to be denied than a white
applicant.
12
The OAG report does not break out the data by lender. So, while it describes the
problem in aggregate, it is not possible to pinpoint a specific lender and ask them to change
specific practices.
In January 2024, the NYS Department of Financial Services (DFS) issued a report that describes
lending by individual lenders.
13
The Rochester tables document lenders that originated at least
100 loans in the Rochester MSA. The report includes the number and percentage of loans to
minority borrowers and in majority-minority census tracts. The report also includes other
counties and MSAs in which JPMC has branches and thus CRA obligations.
The DFS found that in the Rochester MSA in 2022, JPMC originated:
• 11% of its loans in majority-minority tracts or 29 loans
• 26% of its loans to minority borrowers or 64 loans
14
11
Ibid, p. 16.
12
Ibid, p. 20.
13
https://www.dfs.ny.gov/system/files/documents/2024/01/2023_annual_minority_mortgage_lending_report_2024012
2.pdf
14
Ibid, pp. 51-52.
13
Considering the OAG report documenting disparities in lending even when controlling for
underwriting criteria, and the DFS report documenting lending by lender, we encourage the OCC
to conduct a fair lending exam as warranted and include its findings in JPMC’s CRA
Performance Evaluation.
Considerations for a Special Purpose Credit Product
Chase’s $5,000 Homebuyer Grant
15
available in 6,700 minority census tracts across the country
may be a special purpose credit program (SPCP). We want to share here the importance of such
products in meeting the credit needs of Black and brown people—those who have been
historically redlined and continue to be discriminated against, and how to best design these
products.
GRCRC members, including [REDACTED CONTENT], [REDACTED CONTENT],
[REDACTED CONTENT], [REDACTED CONTENT], and [REDACTED CONTENT], were at
an in-person meeting convened by JPMC last year. We are using information shared during that
meeting, as well as other information gathered through research, to formulate these comments.
Research from [REDACTED CONTENT] documents that younger borrowers are struggling
with credit card and auto loan payments. In 2021, delinquencies for borrowers in their 20s and
30s were running at 3.5%, up from 1.5% in 2020. High rents are making it harder for millennials
to save for a mortgage, when PITI would be lower than their rent. Hence the need for both larger
grants for 1
st
time borrowers and flexible underwriting.
The median home price in the Rochester area is $200,000 (as of Q4 2022) and rents have
increased. High rents and inflation in food and utilities make it virtually impossible for a tenant
at 80% area median income to save. First generation, LMI borrowers will also struggle to save
the $10,000 plus needed for downpayment and closing costs. New York also has high property
taxes making homeownership more unaffordable. The mismatch of incomes and basic living
costs mean that residents are living paycheck to paycheck. As described in another section
below, the result of this is that, as of 2017, 50% of city of Rochester residents had subprime
credit. While we understand the importance of saving for closing costs and down payment
assistance, it seems that 1
st
generation families from no-/low-wealth backgrounds will need a
much larger infusion of down payment and closing cost assistance than has been the norm over
the past few years.
15
https://media.chase.com/news/chase-homebuyer-grant; this was expanded in January 2024,
https://media.chase.com/news/homebuyer-grant-dreamaker-enhancements.
16
https://libertystreeteconomics.newyorkfed.org/2023/02/younger-borrowers-are-struggling-with-credit-card-and-
auto-loan-payments/
14
Even though JPMC Bank is headquartered in New York City, the bank needs to look at the costs
in the different markets across its footprint. JPMC’s home mortgage team should look at the total
cost of housing (principal, interest, taxes, and insurance) in Rochester and other parts of upstate
and western New York and then design its SPCP to fit these markets.
To support successful homeownership among Rochester’s Black and Brown families who
continue to be impacted by the history of redlining and exclusion in this community, and
considering income, rents and housing prices in Rochester, we believe a SPCP should:
• Include payment and closing cost assistance totaling $10,000 or above.
• Be a portfolio product with flexible underwriting.
We will be convening GRCRC members to fine tune the details of what is needed for a SPCP to
work in Rochester. We would be happy to share these details with JPMC as it develops its SPCP,
particularly around its eligibility and underwriting criteria, to ensure that it works for the
Rochester market.
In addition to SPCPs, as seen by GRCRC member [REDACTED CONTENT], lenders
need to improve access to homeownership through expanding affordable mortgage options to
include products and staff who successfully work with the Section 8 Housing Choice Voucher
program, down payment assistance programs and IDAs to encourage savings and improve
downpayment resources as well as limiting upfront costs and interest rates. Also, the Rochester
community needs post purchase lending products that safely and affordably allow homeowners
to finance home repairs.
Meanwhile affordable owner and renter housing developed by not for profits such as
[REDACTED CONTENT], [REDACTED CONTENT], and [REDACTED CONTENT] will be
essential to serving LMI tenants and first-time homeowners. For more on the GRHP projects,
see below in our Community Development section.
JPMC’S BANK SMALL BUSINESS LENDING
CRA Small Business Lending
Table 8 in the Appendix shows JPMC’s CRA small business loans and dollar volume of lending
from 2019 to 2022.
15
Number of Small Business Loans
JPMorgan Chase made 3,462 small business loans in the Rochester MSA in 2022, 7% fewer than
in 2019 and 17% more than in 2021 (see top section of Table 8). Despite the decrease in its loans
in the MSA, the bank made more small business loans in all but one of the various categories in
2022 than in 2019.
In 2021, JPMC made:
• 627 loans to businesses in low-moderate income census tracts, 15% more than 2019
• 3,439 loans of $100,000 or less, 7% fewer than 2019
• 618 loans of $100,000 or less to businesses in low-moderate income census tracts, 15%
more than 2019
• 2,359 loans to businesses with gross annual revenues under $1 million, 22% more than
2019
• 409 loans to businesses with gross annual revenues under $1 million in low-moderate
income census tracts, 55% more than 2019
JPMC performed similar to or better than all financial institutions (AFI) in 2022 in its
distribution of small business loans to businesses in LMI tracts, businesses with gross annual
revenues less than $1 million, and these smaller businesses in LMI tracts.
Dollar Volume of Small Business Lending
In 2022, JPMC did $46.3 million in small business lending in the Rochester MSA. As seen at the
bottom half of Table 8, this was 7% less than in 2019 and 31% less than in 2020. JPMC’s dollar
volume of small business lending for loans to businesses in LMI tracts and for smaller loans
(<=$100,000) was 5% lower in 2022 than 2019. The bank increased its dollar volume of lending
for smaller loans in LMI tracts, to businesses with gross annual revenues under $1 million and to
these businesses in LMI tracts. JPMC’s dollar volume of small business lending in the Rochester
MSA was at its highest level in 2020 while the number of loans it made was at its lowest level.
In 2022, JPMC made:
• $8.5 million in loans to businesses in low-moderate income census tracts, 5% less than
2019
• $39.5 million in loans of $100,000 or less, 5% less than 2019
• $7.7 million in loans of $100,000 or less to businesses in low-moderate income census
tracts, 15% more than 2019
16
• $24.5 million in loans to businesses with gross annual revenues under $1 million, 8%
more than 2019
• $4.2 million in loans to businesses with gross annual revenues under $1 million in low-
moderate income census tracts, 30% more than 2019
JPMC did not do as well as all financial institutions in the distribution of its dollar volume of
lending to businesses in LMI tracts, but outperformed AFI to businesses with gross annual
revenues under $1 million in LMI tracts and to businesses with gross annual revenues under $1
million.
JPMC’s Small Business Lending Compared to Peers
As with mortgage lending, we compare a bank’s small business lending to its peers, the other
depositories with the greatest market shares in the Rochester NY MSA. Table 9 in the Appendix
compares the small business loans, dollar volume lending and market shares for the Rochester
MSA’s top 8 banks for 2022. ([REDACTED CONTENT], the 9
th
largest bank, was substituted
for [REDACTED CONTENT], as [REDACTED CONTENT] did not report small business
lending.)
Number of Loans Market Share
In 2022, with 3,462 loans, JPMC captured 17.7% of the small business loan market in the
Rochester MSA, exceeding its 14.5% depository market share and making JPMC the largest
small business lender among the top 8 banks in terms of number of loans (see top part of Table
9). JPMC fell short of its overall MSA market share among businesses in LMI tracts and
exceeded its MSA market share among businesses with gross annual revenues under $1 million
and among businesses with gross annual revenues under $1 million in LMI census tracts. In
2022, JPMC had a market share of:
• 15.3% among businesses in low-moderate income census tracts
• 18.6% in loans of $100,000 or less
• 16.2% in loans of $100,000 or less to businesses in low-moderate income census tracts
• 23.7% among businesses with gross annual revenues under $1 million
• 20.0% among businesses with gross annual revenues under $1 million in low-moderate
income census tracts
JPMC Bank underperformed the Top 8 Banks in the distribution of its small business loans to
businesses in LMI tracts and exceeded the Top 8 in the percentage of its loans going to
businesses with gross annual revenues under $1 million and to businesses with gross annual
revenues under $1 million in LMI census tracts.
17
Dollar Volume Lending Market Share
In 2022, with $46.3 million in lending, JPMC captured 7.3% of the dollar volume of small
business lending in the Rochester MSA, placing it 3rd among the top 8 banks. (See the bottom
half of Table 9.) JPMC’s dollar volume market share of 7.3% is one-half its depository market
share of 14.5%, and its 3
rd
place market share rank is the same as its depository market share
rank.
JPMC’s dollar volume of lending market share among businesses in LMI tracts did not match its
overall MSA market share, but its market shares among businesses with gross annual revenues
under $1 million and businesses with gross annual revenues under $1 million in LMI census
tracts exceeded its MSA market share. Compared to its overall dollar volume market share of
7.3%, in 2022 JPMC captured:
• 5.8% of the dollar volume of lending to businesses in low-moderate income census tracts
• 15.0% of the dollar volume of lending for loans of $100,000 or less
• 14.2% of the dollar volume of lending for loans of $100,000 or less to businesses in low-
moderate income tracts
• 11.0% of the dollar volume of lending to businesses with gross annual revenues under $1
million
• 9.4% of the dollar volume of lending to businesses with gross annual revenues under $1
million located in low-moderate income census tracts
Averaging $13,380 per loan, JPMC has the smallest average loan size among the top 8 banks,
and the average size of its loans declined consistently between 2020 and 2022 (see Table 8). This
small loan size, combined with the facts that over 99% of JPMC’s loans were $100,000 or less
and that 85% of its dollar volume of lending was in loans of $100,000 or less (both of which are
the largest proportions among the top 8 banks) indicate that JPMC was the largest credit card
lender among the top 8 banks and did the bulk of its small business lending via credit cards.
With respect to the distribution of its dollar volume of lending, JPMC did not match the “Top 8”
banks in dollar volume of lending to businesses in LMI communities, while exceeding the Top 8
in dollar volume of lending to businesses with gross annual revenues under $1 million and to
businesses with gross annual revenues under $1 million in LMI tracts (bottom of Table 9).
Small Business Lending Summary
To stabilize the economy, create jobs and build wealth in the Rochester community, area
businesses need access to affordable, responsible credit. This has been especially true as
businesses continue to struggle with some of the highest inflation rates since the 1980s.
18
GRCRC is concerned that JPMorgan Chase is doing the bulk of its CRA small business lending
via higher cost credit card loans (as suggested by the data) rather than taking the time and
working to market, underwrite, and originate more affordable “traditional” small business loans.
We are pleased to see that JPMC is doing significant proportions of its loans and dollar volume
of lending to businesses with gross annual revenues under $1 million; we are again concerned
that many of these loans may be the higher cost credit card loans. These smaller businesses are
where we find new businesses, especially those started and owned by Black, Brown and
immigrant entrepreneurs. While many businesses, including smaller businesses, appreciate the
flexibility of credit cards, we urge JPMC to work with Rochester area smaller businesses to help
them access more affordable credit to help their businesses grow and thrive.
JPMC BANK’S REINVESTMENT OF DEPOSITS INTO THE COMMUNITY,
RESPONSE TO COMMUNITY NEEDS AND OPPORTUNITIES FOR INVESTMENT
Included in this section is information several GRCRC members shared with us on local
community development needs, how JPMC has worked with and/or funded their organizations to
address them, and suggestions on how JPMC might help address emerging and ongoing needs.
Reinvesting Deposits into the Community
We urge JPMC Bank to actively work with GRCRC members and other organizations in the
Rochester area to grow its CRA-related lending and investments within the Rochester MSA to
7% of its area deposits annually. This would be about $255 million per year in reinvestments
based on the June 2022 deposits. The bank can start by investing in some of the community
development opportunities laid out in this section. (See section at the beginning of this letter for
our analysis of the bank’s reinvestments.)
First, we want to acknowledge and thank JPMC for some of the ways the bank has supported the
work of GRCRC member organizations. We summarize these in this next section, at times
including suggestions for additional opportunities.
Specific Community Development Activities
GRCRC members shared with us the following community development activities that JPMC is
currently supporting.
JPMorgan Chase has generously supported several of the [REDACTED CONTENT] programs
during the 2020-2023 time frame. These include the Interrupt Racism Summit, the
19
[REDACTED CONTENT], and the [REDACTED CONTENT] program. [REDACTED
CONTENT] received $30,000 in 2020, $25,000 in both 2021 and 2022 and $35,000 in 2023 in
support of our mission for greater equity.
• The Interrupt Racism Summit s an immersive learning experience for youth and adults,
thoughtfully curated for attendees to identify, interrupt, and dismantle processes of
systemic racism. The Summit includes keynote speakers and breakout sessions. The
Summit is designed to be a transformative, inclusive opportunity for everyone, creating
space for those already committed to antiracist and DEI-related work and those just
beginning. The format is designed to promote growth, provide resources and advance
equitable opportunities for all our community members. The Summit draws upwards of
500 people annually.
• The [REDACTED CONTENT] is part of the U.S. Small Business Administration’s
(SBA) network of 140 interconnected centers across the country. The [REDACTED
CONTENT] provides a unique array of services specifically for female entrepreneurs,
including one-on-one counseling, training, networking, workshops, technical assistance,
and mentoring on numerous business development topics, including business startup,
financial management, marketing, and procurement. The [REDACTED CONTENT]
focuses on serving women entrepreneurs from socially and economically disadvantaged
communities in the Rochester Area. The goal of [REDACTED CONTENT] is to support
women entrepreneurs in creating stable, financially successful businesses and to create a
more equitable and prosperous Rochester through the small business community. While
SBA provides core funding for [REDACTED CONTENT], each center must secure
matching funds making additional funders such as JP Morgan Chase critical to the
center’s operations.
• [REDACTED CONTENT] Black Scholar program provides academic recognition,
college readiness assistance, and scholarship incentives to students who achieve and
maintain a ‘B’ average or better (83% and up) throughout high school. The program
supports students in the Greater Rochester metropolitan area (the City of Rochester and
the 6 surrounding counties).
GRCRC thanks JPMorgan Chase for this financial and in-kind support of these [REDACTED
CONTENT] of Rochester initiatives.
The [REDACTED CONTENT] is a not-for-profit lender (a CDFI) dedicated to the creation
and preservation of affordable housing in the Rochester NY region, including through
construction lending and single-family homeownership programs. [REDACTED CONTENT]
single-family homeownership work includes the following: 1) acquisition-rehab-resale of vacant
properties for purchase by first-time LMI buyers through [REDACTED CONTENT] and
[REDACTED CONTENT]; 2) new construction of energy efficient, single-family homes for
purchase by first-time LMI buyers currently as a developer partner through the City’s
[REDACTED CONTENT] program.
20
Since 2002, the [REDACTED CONTENT] has been rehabilitating vacant homes, revitalizing
neighborhoods, and providing quality affordable homeownership opportunities in the City of
Rochester. [REDACTED CONTENT] provides management services to the program as well as
needed financing. The [REDACTED CONTENT], [REDACTED CONTENT], and public and
private partners of [REDACTED CONTENT] have acquired and rehabilitated more than 850
vacant homes located in city of Rochester neighborhoods and sold them to first-time
homebuyers. [REDACTED CONTENT] properties are sold at prices that are affordable to low-
and moderate-income homebuyers and that are in line with comparable values of similar
neighborhood properties. [REDACTED CONTENT] houses carry a 15-year affordability period
(homebuyers agree to live in their houses for 15 years or sell to another income-eligible buyer
during the affordability period). This program requirement ensures that the investment made to
rehabilitate a [REDACTED CONTENT] property results in affordable housing that is
sustainable for at least 15 years. This residency requirement also ensures these homes remain
owner-occupied for at least 15 years which in turn helps with neighborhood stability.
In 2019, the [REDACTED CONTENT] model was expanded into suburban Monroe County.
Through [REDACTED CONTENT], the [REDACTED CONTENT] rehabilitates vacant
county properties for purchase by LMI first-time homebuyers. Eight homes have been
completed and sold in the county to date.
GRHP develops newly constructed, energy efficient homes for purchase by LMI first-time
homebuyers on vacant parcels in the city of Rochester. Currently, GRHP (through its general
contractor partner) is building 24 new homes in a targeted, formerly redlined area through the
City of Rochester’s [REDACTED CONTENT]. To date, 15 homes have been completed and
sold to income eligible first-time homebuyers. Four additional homes are currently underway
(and under contract with buyers) and 5 more will begin construction in spring 2024. More than
250 interested buyers applied for these 24 project homes (although a number of these applicants
did not meet program qualifications). For all of these programs, homebuyers must be able to
qualify for a conventional, fixed rate mortgage and contribute a minimum of $1,500 of their own
money toward the purchase of the home. Mortgage lenders who offer products that fit with the
characteristics of these programs (including underwriting that allows for the CLTV levels these
programs carry) is key to their success. In addition, these programs would benefit from flexible
sources of subsidy (foundation grants) that could be used to help cover the difference between
total development cost and sale price and support the project’s energy goals.
For decades, JPMC has been a steady and critical financing partner supporting the [REDACTED
CONTENT]and [REDACTED CONTENT] affordable housing missions including single-family
homeownership programs serving low-moderate income first-time homebuyers.
21
At the end of 2023, [REDACTED CONTENT] and [REDACTED CONTENT] closed on their
10
th
HOME Rochester acquisition and construction financing facility with JPMC as the lead
lender. This is a $14 million facility with a three-year term. [REDACTED CONTENT] will be
looking to establish the next facility with JPMC in 3 years (2026). As of mid-2023, 850 homes
have been rehabbed through this program.
GRCRC is grateful for JPMC’s longtime support of [REDACTED CONTENT] and
[REDACTED CONTENT], and we hope it will continue.
It is our understanding that JPMC is active in other parts of the affordable housing space, as well,
including providing construction loans to LIHTC financed projects, in particular. The
[REDACTED CONTENT] is developing the [REDACTED CONTENT] project downtown; it
looks like JPMC has provided some financing for this project.
Local developers will likely break ground on LIHTC projects in the next three years, and JPMC
will have an opportunity to provide a financing proposal for these projects. If JPMC could offer a
reduced interest rate that would help these projects. [REDACTED CONTENT], as a CDFI
construction lender, would also be interested in participation shares of these loans.
The [REDACTED CONTENT] is an affiliate of [REDACTED CONTENT], a multi-state
community development corporation. Established in 1997, [REDACTED CONTENT] is a
designated Community Development Financial Institution (CDFI). Its mission is to enhance the
economic self-sufficiency and quality of life of individuals and communities through
entrepreneurial training, technical assistance, access to financing for new and expanding
businesses, and mortgage products for underserved borrowers.
[REDACTED CONTENT] and JPMorgan Chase have had a formal relationship for several
years. JPMC has partnered with [REDACTED CONTENT] to provide technical assistance and
business training to emerging and established small businesses in Buffalo-Erie County and
Rochester-Monroe County. More recently and at the end of 2023, JPMorgan Chase provided
[REDACTED CONTENT] with a three-year $250,000 grant for outreach, training and technical
assistance to underserved communities and minorities in upstate NY, working alongside other
CDFIs in the region ([REDACTED CONTENT], [REDACTED CONTENT] and [REDACTED
CONTENT]) on a joint project called [REDACTED CONTENT].
GRCRC asks JPMC to make sure that funds, in the form of low-interest loans and/or grants,
continue to be allocated to [REDACTED CONTENT] and other CDCs and CDFIs that are
working towards providing capital to our community’s small businesses and mostly minority-
owned clients.
22
[REDACTED CONTENT] helps individuals and families build financial wellness and peace of
mind through financial education and counseling. Each year, [REDACTED CONTENT] helps
more than 12,000 residents manage debt, improve their credit, increase their savings, and
manage their money effectively. Nearly 80% of [REDACTED CONTENT] clients are
considered low-to-moderate income (LMI) according to HUD standards and more than 45% are
considered low income. [REDACTED CONTENT] received $480,693.46 in fair-share support
from Chase Card Services between 2020 and 2023 where creditors, like Chase, pay
[REDACTED CONTENT] a percentage of the payments that [REDACTED CONTENT] helps
customers make towards Chase credit card debt.
JPMorgan Chase provided a $2,500 sponsorship to [REDACTED CONTENT] community
event in 2021, has made scholarships available for staff development trainings, and has invited
its team to participate in community listening sessions focused on the needs of LMI households
and households of color.
However, JPMC has not provided regular financial support to [REDACTED CONTENT] in
terms of an operating grant. Its program participants have not traditionally relied on Chase
mortgage products for home ownership, opting instead to utilize local lending products tailored
to the needs of the community. JPMC has extended an invitation to utilize its financial wellness
curriculum to improve the financial capacity of [REDACTED CONTENT] participants but the
organization is not aware of products available in the local market that address the needs shared
at the community roundtable.
Empire Justice Center would like to thank JPMC for its $15,000 grant in August 2023 for
general operating support.
Community Development Opportunities
GRCRC members share with us the needs in the Rochester community and initiatives, programs
and needs of the member organizations. We then include these as opportunities in our comment
letters as possible investment opportunities for the banks. We understand that each bank will not
be able to invest in all these opportunities. At the least, we ask that JPMC consider these on-the-
ground perspectives when making decisions about products, investments and contributions so it
can more effectively address the needs of the Rochester community and support low-moderate
income and BIPOC communities.
Structural Racial and Income Inequality in Upstate New York
We first want to frame the need for consumer protections in the big picture context of rising
income inequality. Incomes of working families have not kept up with rising housing, education,
23
childcare and health costs. This has resulted in millions of Americans struggling to pay for basic
necessities. As seen in a recent NYT Magazine article by Matt Desmond,
17
• Nationally, “[r]ent has more than doubled over the past two decades, rising much faster
than renters’ incomes. Median rent rose from $483 in 2000 to $1,216 in 2021.”
• “From 2000 to 2022 in the average American city, the cost of fuel and utilities increased
by 115 percent.”
Upstate New York had still not fully recovered from the financial crisis of 2008 when COVID-
19 struck. Income inequality is exemplified in the post‐industrial cities of upstate New York. The
city of Rochester has the highest concentration of children living in poverty compared to cities of
similar size in the United States. In 2019, Rochester came in dead last in a list of the country's 50
hottest job markets published by the Wall Street Journal.
18
New Yorkers are feeling the financial strain of record high debt burdens, especially in upstate
areas where poverty rates are some of the worst in the nation. The poverty rates in upstate cities
such as Rochester (57%), Syracuse (56%), and Buffalo (53%), despite best efforts, show no signs
of decreasing in any meaningful amount.
Rural areas across upstate are also deeply affected by poverty. According to a study by Common
Ground Health,
19
the rural and urban areas of the Finger Lakes region of New York with the
highest rates of poverty were also the areas with the lowest life-expectancies. Not only does
financial insecurity cost New York billions of dollars per year, it contributes to a public health
crisis that cannot be ignored.
In 2017, the New York Federal Reserve issued a report on the credit profile of city of Rochester
residents. The 2017 report looked at data at the ZIP Code level in the city of Rochester. This
report found that more than 50% of city of Rochester residents had subprime credit. In some
ZIP Codes 50 ‐75% of city residents had subprime credit. These ZIP Codes are majority
nonwhite.
20
Most bank branches have left these neighborhoods. Working families making $15‐25 an hour
can’t pay all their essential bills on time. These families may also have monthly incomes that are
volatile. They may not have paid sick leave or a guaranteed minimum number of hours. They
17
https://www.nytimes.com/2023/03/09/magazine/poverty-by-america-matthew-desmond.html
18
https://www.democratandchronicle.com/story/news/2019/03/10/rochester‐worst‐job‐market‐ country‐wall‐street‐
journal/3089794002/
19
https://www.commongroundhealth.org/insights/library/premature-mortality-and-socioeconomic-status. Also see
full report: https://media.cmsmax.com/ravk3pgz5ktlujs1r08ci/overloaded-the-heavy-toll-of-poverty-on-our-regions-
health.pdf
20
https://www.newyorkfed.org/data‐and‐statistics/data‐visualization/community‐credit‐
profiles/index.html#overview
24
may not be sure how much money they will have at the end of the month. Given the high cost of
housing, childcare, education and health care, the minimum wage and/or volatile incomes leave
families in a situation where one or more bills are left unpaid. An unexpected car repair or
medical bill throws their monthly expenses into crisis. Earlier research done by the Federal
Reserve documents that 40% of Americans don’t have $400 in emergency savings.
There is a structural mismatch between incomes and expenses. According to research from the
Federal Reserve Board, the median Black family in the under 35 age group had only $600 in
wealth, compared with $25,400 among young white families.
21
This has a disparate impact on
Black and Brown families, who have no intergenerational wealth, in how they access or rather
fail to access credit.
Professor Lisa Servon documented the lives of working families who use check cashers and pay
day lenders. Her book “The Unbanking of America” shows that working families make very
complicated choices about using a check casher instead of their own bank.
22
Empire Justice Center used her research to look at the underbanked in Rochester, New York. Our
2018 report “Too Big to Fail” found similar patterns in Rochester. Those who choose a check
casher over their bank do so because their bank does not offer a product that fits into their lives.
23
In February 2024 the National Consumer Law Center released an updated issue brief: “Past
Imperfect: How credit scores “bake in” and perpetuate past discrimination.
24
The issue brief
documents: “In 2021, the median credit score from Vantage Score for Black consumers was 639,
while for white consumers it was nearly 100 points higher at 730 and Asian consumers’ median
was 752. Latino consumers were in between with a median score of 673.”
“But the disparity in wealth is even more stunning: the typical Black family has a median wealth
of only about 15 percent ($44,900) of the typical white family ($285,000). The typical Latino
family similarly has only about 20 percent of the wealth ($61,600) of the typical white family.”
Banks don’t serve the needs of such families. Bank products are designed for customers who
have disposable income at the end of the month. When families don’t have enough money to pay
for essentials, an unexpected decline in income or an emergency expense results in a subprime
score. Families turn to predatory products to pay rent so they are not homeless, to pay the car
loan so they can keep their job, or to buy groceries so they don’t go hungry.
21
https://www.federalreserve.gov/econres/notes/feds-notes/disparities-in-wealth-by-race-and-ethnicity-in-the-2019-
survey-of-consumer-finances-20200928.htm
22
https://www.lisaservon.com/
23
https://empirejustice.org/resources_post/report‐big‐fail‐poor‐bank‐mainstream‐financial‐services‐can‐help‐low‐
income‐working‐families‐succeed/
24
https://www.nclc.org/wp-content/uploads/2016/05/20240227_Issue-Brief_Past-Imperfect.pdf
25
A 639-credit score means a Black family cannot qualify for a mortgage, given how mortgages
are underwritten. As seen below, subprime auto loans further destroy credit. Subprime credit
cards also make it hard to save or pay off debt. The wealth disparity means that Black families
can’t turn to each other for an emergency loan. In this comment letter we describe mortgage
loans, small dollar loans, and even auto products that build wealth rather than extract it. The
NCLC issue brief also makes multiple recommendations to achieve that goal.
Banks have a choice on how they process payments--to maximize short term profit or to create
long term sustainability for both the bank and the customer. Even when a customer’s bank book
shows a balance, more and more banks have chosen the former, to clear deposits and charges so
that the customer is hit by an overdraft fee.
25
In January 2024 the Consumer Financial Protection Bureau (CFPB) issued new overdraft rules.
The rules will reduce the amount of overdraft fees that banks can charge. As seen in the press
release by Americans for Financial Reform on the proposed regulations,
• “Overdraft fees take a lot of money out of people’s pockets; it’s about $9 billion per year.
Megabanks are big beneficiaries.
• “The most vulnerable consumers are the ones that pay. A consumer is three times more
likely to pay overdrafts if they make less than $65k than if they make more than $175k.
• “By contrast, banks are incredibly profitable. On Friday, JPMorgan reported the largest
profit by an American bank in history – $49 billion last year – thanks in part to billions in
overdraft revenue.”
26
We look forward to the final overdraft rule that will limit the ability of banks to extract wealth
from the lowest income consumers.
There is no shortage of predatory lenders who know how to make enormous profits by selling
high-cost products to low‐income borrowers. These products are set up for the consumer to fail
and for the investors behind the products to make money. The interest rates/fees are abusive and
designed to be vastly profitable with no relation to the risk taken by the lenders. Some loans are
bundled into investment vehicles. The largest banks fund the companies that create and market
these products.
Some federal and state regulators are finally starting to look at the systemic risk posed by these
practices. We need to change the laws to stop these practices that result in enormous profits for
corporations, and financial hardship or worse in the life of working families.
25
https://www.politico.com/news/2020/09/28/racial-wealth-gap-federal-reserve-422658
26
https://ourfinancialsecurity.org/2024/01/news-release-cfpb-overdrafts/
26
Consumer advocates have been raising these issues for decades. Now academics and regulators
are beginning to appreciate the societal costs of poverty. Being repeatedly evicted and changing
schools has enormous consequences on a family’s emotional and physical health. We are finally
starting to move from a mindset that blames poor people for their poverty.
The CRA was passed in 1977 to address the decades of redlining that had been happening in our
communities. While the law says banks should serve the entire community in which they do
business, including low- and moderate- income (LMI) communities, redlining mainly happened
in, and continues to happen in and impact, Black and brown communities. This is why banks
must make decisions about their CRA-related lending, investments, and grants through the lens
of racial equity, as well as economic equity.
As in the rest of the nation, there is much work to be done in New York to come to terms with
our history and to address structural racial and income inequality. We need to look at the laws
and economic policies that perpetuate structural racism and keep communities segregated. We
also need structural change to ensure that jobs pay a living wage. New York State must develop
and foster an environment where affordable housing, health care, and quality childcare are a
reality for all people.
At the institutional level, banks must shift policies, practices, and culture to align with racial
equity, anti-oppression, and cultural humility. This includes work to:
• Become welcoming for all people particularly those who have been historically, and
continue to be, marginalized.
• Assure employees, from the CEO down to staff underwriting loans, and those working
with the public, are doing internal and interpersonal work (including implicit bias
training) to address internalized racism and other forms of oppression.
• Find ways to go into the community to create ease/support for BIPOC and Black and
brown-owned businesses.
A Brookings’ paper shares how private sector leaders can significantly move the needle towards
racial equity and an equitable economy via a 3-part framework:
27
• Adopt internal changes within individual companies to promote diversity, equity, and
inclusion.
• Act collectively with other CEOs to make regionwide progress on racial equity and
equitable growth, including improving key regional performance indicators.
27
https://www.brookings.edu/essay/from-commitments-to-action-how-ceos-can-advance-racial-equity-in-their-
regional-economies/.
27
• Encourage business-led civic organizations to adopt their own changes toward equity and
inclusive economic growth.
The paper also includes links to data metrics to measure progress at the MSA level. We urge
JPMC’s leaders to work with other local private sector leaders and groups from the
[REDACTED CONTENT] to implement this or a similar framework in the Rochester
community.
In addition to these suggestions, JPMC can take other constructive actions to support BIPOC
people, businesses, and communities. JPMC can:
• Start tracking how much of its CRA related activities and support (lending, philanthropy,
and community development loans and investments) goes to BIPOC people, businesses
and organizations led by people of color, and BIPOC communities, and create specific
goals to increase these levels of support over time.
• Partner with and/or support BIPOC-led organizations that JPMC has not worked with in
the past, including through investments, grants, and hiring local BIPOC-led vendors for
supplies and services.
• Learn about the history of redlining in the Rochester area
28
and work with the Black and
Brown residents of the impacted neighborhoods to address the vestiges of redlining and
to build wealth and equity in ways that do not push-out lower income residents.
Research from the University of Houston highlights the intersections of race and advertising. The
results underscore the power of advertising and access on behavior.
29
We hope JPMC will find
this research helpful as the bank continues its work in Black and Brown communities as well as
its internal work in addressing the legacy of racism in this country. We look forward to hearing
how the bank is progressing in this critical work.
Bank Branches
Like most GRCRC members, the [REDACTED CONTENT] is very concerned about banking
deserts, which impact our community’s ability to open bank accounts and access lending or
financial education services. In addition to Chase, other banks have closed branches in
28
For an excellent overview of the local history see: Shane Wiegand, “Racist Policy and Resistance in Rochester,”
at: https://www.youtube.com/watch?v=1ivgX0AXrPs
.
29
Hawkins, Jim and Penner, Tiffany, “Advertising Injustices: Marketing Race and Credit in America,” (September
15, 2021). Emory Law Journal, Vol. 70, No. 1619, 2021, Available at SSRN:
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3924970.
28
Rochester, especially in neighborhoods already impacted by a legacy of redlining, lack of
generational wealth and little access to transportation to branches in other neighborhoods.
[REDACTED CONTENT] clients repeatedly report use of Chime, a neo-bank offering
financial services to consumers via a mobile app, rather than traditional banking. Clients turn to
mobile banking alternatives to traditional banking due to limited accessibility to banks in the
community and convenience. With Chime, consumers may use any ATM at the expense of a
small fee. Another issue that [REDACTED CONTENT] has observed is a lack of financial
literacy and credit building education in the community.
Specifically, the [REDACTED CONTENT] and its [REDACTED CONTENT] are disturbed
by the closure of the Chase West End Branch in 2022. According to the SW Street Liaison
Office,
Chase, and its predecessor Lincoln-Alliance Bank across the street at 886 West Main St.,
have met the banking needs for the Bull’s Head area since 1922 – one hundred years!
Closing the Chase branch office at 36 Genesse St. at Bull’s Head in October 2022 left our
community with no full-service physical bank office. Although the closure was required
to enable the City of Rochester’s Bull’s Head Revitalization Project, the community had
hoped that the bank would relocate temporarily to nearby vacant office space. It did not
relocate.
This branch closure has been a huge loss for our community in which 28% of the
dwelling units have no vehicle, and over 400 business entities line the surrounding
commercial corridors. Further, Chase has given no indication that they would return to
the Bull’s Head area after the planned revitalization.
JPMC also closed its Chase University of Rochester River Campus Branch, which was not
accessible to the 19th Ward, even though it looked close on a map. These branch closures are in
addition to Chase’s 2016 closure of its Portland-Clifford Branch, located in a low-moderate
income majority BIPOC neighborhood.
We understand that the City of Rochester is very interested in discussing a new branch with
JPMC. This would replace the Chase branch that was closed to enable the demolition of Bull’s
Head Plaza. The City of Rochester is requesting that someone from JPMC reach out to them to
discuss the reopening of a Chase branch in Bulls Head especially since the revitalization at Bull's
29
Head is now picking up speed.
30
We will reach out to the bank to make the connection. We urge
Chase to follow up with the City as soon as possible.
To address the issues of banking deserts and use of neo-banking apps, JPMC could at least
increase the number of Chase branches along Rochester’s bus lines and provide funding to
community agencies that provide financial education and programming to underserved
populations.
Abusive Auto Lending
One prevalent consequence of lack of access to sound credit and banking services is abusive auto
lending. In the Rochester MSA and surrounding rural counties of the Finger Lakes and Western
New York, where almost no viable public transportation options exist, cars are essential for
getting to work, medical appointments, and accessing other basic services.
Without access to auto loans from banks, subprime auto lenders and “Buy Here Pay here”
dealers are prevalent. These predatory dealers and lenders sell people cars with loan contracts
that are designed to fail.
At $1.44 trillion, auto debt is at an historic high.
31
Until recently, there was limited data/information on abusive auto lending. Research by
Consumer Reports published in December 2021 sheds some light on the abuses.
32
Consumer
Reports purchased almost a million loan files and documented the mismatch between credit
scores and interest rates. In addition, many of the abusive auto lending practices are described at
a panel discussion that included elected officials from Connecticut, as well as Ruhi Maker Esq.
and Chuck Bell (Consumer Reports) from New York.
33
[REDACTED CONTENT] is the primary free legal services provider in 13 of the 14 counties in
the Rochester MSA and the rural counties in the Finger Lakes. [REDACTED CONTENT] turns
away hundreds of callers each year seeking help with consumer legal problems because of the
sheer volume of people needing assistance. Staff members see hidden fees for the dealership, and
costly, yet worthless, extended warranties added to the contracts without the consumer’s
knowledge. It is not uncommon for a consumer to buy a used car with over 100,000 miles on it
that was advertised at a number around 5,000 miles. That consumer will end up with a loan that
will cost them more than three times that amount by the time they are done making payments.
30
https://www.wxxinews.org/local-news/2024-01-22/get-an-early-look-at-bulls-head-redevelopment-plans-public-
meeting-set-for-monday-evening
31
https://uspirg.org/news/usp/new-fed-data-reveal-auto-debt-historic-highs
32
https://www.consumerreports.org/car-financing/how-loophole-ridden-auto-lending-laws-harm-consumers-
a3113489289/
33
https://drive.google.com/file/d/15kRAB6qV94VD3_RPYB_mzbvwnMWceowx/view
30
The pattern [REDACTED CONTENT] has observed is that most consumers are not even made
aware of the terms of the loan at the time they purchase the car. The majority of documents are
signed on a computer, by clicking a button that is often controlled by the salesperson or signed
on paper with the salesperson’s hand hiding pertinent information. Frequently consumers leave
the lot with their car but not their contract. When they finally do receive the contract, they are
shocked to learn that the car they purchased will cost them more than twice what they were told
by the dealer. Because there is no cooling-off period for car sales, consumers are left with no
recourse to return the car after learning it is unaffordable, and dealers will often direct consumers
to the company that indirectly financed their loan, even though the consumers have only ever
interacted with the dealer. All of this results in extremely high default rates--25% for subprime
auto loans made at “Buy Here Pay Here” dealerships, compared to only 1% default rates for low-
interest auto loans made by traditional banks. When individuals default on their auto loans, the
lender will repossess the vehicle and auction it off for a fraction of the fair market value. In most
instances, this leaves a large deficiency balance on the loan that the lenders will pursue in the
courts by filing lawsuits against the consumers, again increasing what the loan costs by adding
attorney’s fees, court costs, and post-judgement interest. Without access to legal representation,
many of these lawsuits result in default judgments against the consumers, even when there are
legal defenses. Consumers will then end up paying for these cars for years after they surrendered
them and for thousands of dollars more than they were ever worth. This results in a cycle of
subprime credit that is almost impossible to break.
Just how predatory lenders do this is laid out in the complaint filed by the New York Attorney
General and the CFPB against Credit Acceptance Corporation (CAC) in January 2023.
34
The
complaint alleges that CAC advertised its loans as fixing credit. They were in fact designed to
fail, end in repossession, and extract money from borrowers with impaired credit via inflated
payments, repossessions, and judgments. CAC used a proprietary algorithm to pick the price,
loan terms, and useless add-ons to maximize profit. This lawsuit could impact 1.9 million
borrowers.
Considering the abuses outlined here and in the CAC press release and complaint, we urge
JPMorgan Chase to design a responsible auto lending product, or products, for used autos and
borrowers with subprime credit and that works in both direct and indirect channels.
34
https://ag.ny.gov/press-release/2023/attorney-general-james-and-cfpb-sue-auto-lender-cheating-thousands-new-
yorkers
31
JPMC Bank does direct and indirect auto lending. On the bank’s website
35
it allows for 620-
credit score.
36
Interest rates range from 16% to as high as 25% depending on amount, the length
of the loan, and the age of the car. With respect to its indirect auto lending, JPMC should work
to strengthen its oversight to ensure that auto dealers are putting borrowers into responsible,
affordable loans without unaffordable, unneeded add-ons.
JP Morgan Chase can also financially support nonprofit law firms like [REDACTED
CONTENT] that are representing consumers who are trapped in unaffordable, predatory auto
loans.
Additionally, there a
re still many credit-challenged LMI consumers who have no other option
than a very high-interest, high-payment auto loan to address their transportation needs. By
investing in affordable auto loan programs like [REDACTED CONTENT], consumers can
avoid the inherent challenges that arise from expensive loans such as upside-down balances and
loans that outlast vehicles. [REDACTED CONTENT] provides counseling and education to help
LMI residents who need transportation for work purposes to qualify for auto loans with local
lenders. In its first full year of operation, the program educated more than 500 residents about
savvy car buying and helped 25 LMI borrowers with challenged credit to get approved for auto
loans.
Access to Affordable Products for the Un- and Under-Banked
As seen in the NY Times article by Matthew Desmond:
37
“Every year: almost $11 billion in overdraft fees, $1.6 billion in check-cashing fees
and
up to $8.2 billion in payday-loan fees. That’s more than $55 million in fees collected
predominantly from low-income Americans each day — not even counting the annual
revenue collected by pawnshops and title loan services and rent-to-own schemes.”
“According to the F.D.I.C., one in 19 U.S. households had no bank account in
2019, amounting to more than seven million families. Compared with white families,
Black and Hispanic families were nearly five times as likely to lack a bank account.
Where there is exclusion, there is exploitation. Unbanked Americans have created a
market, and thousands of check-cashing outlets now serve that market….In 2020,
Americans spent $1.6 billion just to cash checks.”
“Roughly a third of all payday loans are now issued online, and almost half of borrowers
who have taken out online loans have had lenders overdraw their bank accounts. The
average borrower stays indebted for five months, paying $520 in fees to borrow $375.”
35
https://autofinance.chase.com/auto-finance/auto-
loans#:~:text=A%20down%20payment%20isn't,to%20your%20dealership%20to%20apply
36
Using the Chase payment calculator, we tried different financing amounts, credit scores, and autos—new or used
here: https://autopreferred.chase.com/garage/auto-loan-calculator?offercode=WDXDUXXX30
37
https://www.nytimes.com/2023/03/09/magazine/poverty-by-america-matthew-desmond.html
32
While brick and mortar payday lending is illegal in New York, online payday lending is used by
many NY consumers because they don’t know that payday lending is illegal in NYS and/or they
need money for an emergency.
Banks can develop products and practices to address this wealth extraction from low-moderate
income consumers. The [REDACTED CONTENT] Bank On initiative works with financial
institutions to develop safe, low-cost transactional accounts that meet the Bank On National
Account Standards.
38
The Chase Secure Banking account is JPMC’s account that meets the Bank On National Account
Standards.
39
The account includes, among other features, no minimum deposit to open, a
nonwaivable $4.95 monthly service fee, no overdraft fees, a debit card, free use of Chase ATMs,
and free money orders and cashier’s checks.
One problematic feature is that customers can send money using Zelle after enrolling in the
service. Consumers using Zelle are still being harmed by imposter scams, and Zelle does not
have clear reimbursement policies.
40
While Chase states: “Neither Chase nor Zelle® offers a
protection program for any authorized payments made with Zelle®, or provide coverage for non-
received, damaged, or not-as-described goods and services you purchase using Zelle®, so you
might not be able to get your money back once you send it,”
41
GRCRC urges JPMC to work with
Zelle to develop clear reimbursement policies and better protection against imposter scams.
Banks with Bank On accounts often need to better market these accounts. GRCRC is glad to see
that the Chase Secure Banking Account shows up easily on the bank’s website,
42
is included on
the checking account comparison page, and that the Bank On certification is included on the
account page.
Bank members of the Bank On coalition can use Public Service Announcements (PSAs) in the
media markets that serve low-moderate income and Black and Brown customers. These PSAs
should be in Spanish and in the languages spoken by New Americans as described below. Social
media is also a good tool to reach underserved customers. Banks can also conduct their own
webinars at not-for-profits that serve lower income consumers and work with not-for-profits to
ensure their Bank On accounts become well known. GRCRC looks forward to hearing how
JPMC is taking advantage of these Bank On resources or using other avenues to market its Chase
Secure Banking account to lower income and communities of color.
38
https://bankon.wpenginepowered.com/wp-content/uploads/2022/08/Bank-On-National-Account-Standards-2023-
2024.pdf
39
https://personal.chase.com/personal/secure-banking
40
https://www.consumerfinancemonitor.com/2024/02/20/democratic-senators-continue-to-pressure-zelle-and-other-
payment-apps-to-change-fraud-policies/
41
Footnote 7 at: https://personal.chase.com/personal/secure-banking.
42
https://personal.chase.com/personal/checking
33
According to a chart by the CFPB, in 2021 JPMC Bank made $1.135 billion in overdraft fees,
putting it in 2
nd
place among the top 75 reporters of overdraft/NSF fee revenue.
43
JPMC’s
overdraft fee is $34, with a maximum of 3 fees per business day (up to $102). These fees do not
apply to the bank’s Chase Secure Banking account as it does not allow overdrafts. The bank
gives customers the option to bring their account balance back to a positive balance by the end of
the next business day after the previous night’s transaction processing to avoid the overdraft
charge. There are other exceptions, as well.
44
Overall, it looks like Chase still has some of the
highest overdraft/NSF fees among the nation’s banks.
45
GRCRC urges the OCC examiners to
take these high fees and their well-documented harms to consumers
46
into account in the bank’s
performance evaluation.
Recognizing that emergencies will arise, we encourage JPMC to develop a Chase small dollar
loan for $500, - $1,000 that is low fee and is repaid in 4-5 payments. We could not find any
information on such a personal loan on the Chase website, while we found information on loans
for its “Private Clients” and for customers with a Chase credit card (My Chase Loan).
Finally, over the past few years, [REDACTED CONTENT] has found that many clients need
ongoing, one-on-one support to make real improvements to crucial areas of their personal
finances such as their savings and credit. When counselors support clients with longer-term
coaching, they experience increased outcomes in debt repayment, savings, and credit score
increases. For example, last year the [REDACTED CONTENT] (a partnership between the City
of Rochester and [REDACTED CONTENT]) served 919 clients through long-term coaching of
whom 295 achieved an outcome such as reducing delinquent accounts, reducing non-mortgage
debt, and increased credit score. JPMC should consider financially supporting this program.
Other Community Opportunities
Improving Housing Affordability for Renters and Owners
On January 30
th
Empire Justice Center submitted comments to the City of Rochester on its
proposed draft zoning code. The comments describe the housing crisis and recommend increased
density of both affordable rental and homeowner units.
47
Several sources show how housing prices have increased in the Rochester NY MSA.
43
https://www.consumerfinance.gov/data-research/research-reports/vast-majority-of-nsf-fees-have-been-eliminated-
saving-consumers-nearly-2-billion-annually/#ref1
44
See p. 13 of:
https://www.chase.com/apps/services/pdfreader.ir3bX5+1BmnVLAebCaB6HLcw0CnSihi2PeiQYAVMKN9ZQwa
NYLntSYCiTyp1t1ze6Jv8OEs+sh7q86FiFalDYjYUXA_iWOlwK0Jh2Vjw8NU3mSOYQWrUvQ==.pdf
45
https://www.nerdwallet.com/article/banking/overdraft-fees-what-banks-charge
46
https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-consumer-experiences-with-
overdraft-programs/full-report/
47
https://empirejustice.org/wp-content/uploads/2024/01/ROC-Draft-Zoning-Code-Empire-Justice-Center-
Comments-01-30-2024-003.pdf
34
• Based on anecdotal evidence, climate refugees from the Southwest and West are
relocating to Rochester and making cash purchases.
48
• A Rochester suburb has been ranked as the hottest zip code in the US with respect to
home sales.
49
• According to research by the Greater Rochester Association of Realtors (GRAR), the
median sales price of a home in the Greater Rochester market rose to $200,000, more
than an 11% increase over 2021 and almost 43% higher than in 2018.
50
• Homes are going over the asking price, a recent first-time homebuyer shared in a January
2023 news story. “I was bidding up to $30,000 over the asking price,” Clark explained.
“What I found out was that was the bottom of a pile of 18 offers and the final sale price
went for $70,000 over and it was an increase of $100,000 home value in four years.”
51
• A quick March 2023 search of homes in Rochester between $125,000 and $160,000 on
Zillow showed only a handful of homes for sale.
There are over 55,000 rent burdened housing units in Monroe County, of which almost 30,000
are in the city of Rochester.
52
In a 2021 report, [REDACTED CONTENT] found that over 2,000
city of Rochester landlords are marginal or predatory landlords (some out of state/country) and
that they own 50% of the rental housing units in the city.
53
These landlords extract high rent
from tenants who have limited choices due to the lack of affordable housing. Meanwhile, they
do little to repair and maintain the properties.
JPMC can increase housing affordability by supporting some of the rural housing-related
programs described below, as well as increasing its support of those offered by [REDACTED
CONTENT] (as described above). Specifically, JPMC can provide deep subsidies/investments
into [REDACTED CONTENT] [REDACTED CONTENT] and [REDACTED CONTENT]
programs to make these program’s rehabilitated properties affordable to lower income families.
These properties are becoming increasingly unaffordable for families other than those near 80%
of the area’s median income due to higher rehabilitation costs, the post-COVID increases in
housing prices in the Rochester area, and higher interest rates.
Also, refer to our section on Considerations for Special Purpose Credit Programs in our
conclusion to the HMDA Lending section above for how Chase can improve the affordability of
mortgage credit.
48
Bank meeting with mortgage paralegal, March 2023.
49
https://www.grar.org/brighton-ranked-no-1-on-realtor-coms-2022-hottest-zip-codes-in-america-list/
50
https://rochesterbeacon.com/2023/03/09/the-road-to-rent-stability/
51
https://www.rochesterfirst.com/economy/the-new-obstacles-making-rochesters-housing-market-more-expensive/
52
U.S. Census Bureau (2016-2020). Tenure by Housing Costs as a Percentage of Household Income in the Past 12
Months American Community Survey 5-year estimates. Table B25106. Retrieved from https://censusreporter.org
53
https://actrochester.org/tinymce/source/OtherReports/FINAL_MonroeRentalStudy_Nov2021.pdf, pp. 14-16.
35
Needs of LMI Communities in Rural Areas
We ask that Chase Bank increase its support for programs that work with low-income
households, particularly in rural communities, who are seeking to buy a home or make other
essential large purchases, such as a car, but have a low credit rating or limited credit history.
For example, in rural Western New York, [REDACTED CONTENT] can identify many ways
in which JPMorgan Chase can meet the financial and investment needs of the LMI communities
it serves. [REDACTED CONTENT] is a long-standing legal services provider in the counties
of Steuben, Chemung, Tompkins, Allegany, Cattaraugus, Chautauqua, Livingston, Monroe,
Ontario, Schuyler, Seneca, Steuben, Tioga, Wayne, and Yates.
While a majority of JPMC’s Chase branches are located in the urban and suburban areas of
Monroe County, Chase does have branches in more rural-oriented areas of [REDACTED
CONTENT] service area, such as Ontario, Wayne, and Tompkins counties. Even the branches
located in cities, such as the Chase branch in Ithaca, provide critical financial services and
lending opportunities to surrounding rural areas where bank branches and available financial
services are scarce.
[REDACTED CONTENT], a legal fellow employed at [REDACTED CONTENT] to work
regionally on housing, consumer, and community reinvestment issues covering [REDACTED
CONTENT] more rural-oriented service area, points out that:
“Bank closures, disinvestment, and limited access to safe credit and stable financial services
deeply impacts LMI communities in [REDACTED CONTENT] service area. While regional and
small banks are struggling, [REDACTED CONTENT] says it is essential that large banks
operating in its rural service area step up and meet the credit, financial, and investment needs of
the region. JPMorgan Chase, along with other major financial institutions, can do much more to
meet these deep financial and investment needs.”
According to [REDACTED CONTENT]:
Mortgages to buy homes in our rural area are relatively affordable compared to rents. In
2022, the median residential sales price in Allegany County, as listed by the NYS
Department of Taxation and Finance, was $93,250 – one of the lowest levels of any
county in New York state. For Steuben County, the average home sales price was
$135,000. For the counties of Ontario and Wayne, where JPMC has branches, the
averages were $260,000 and $181,000 respectively. All of these county averages are well
36
below the state average, which was $305,000 in 2021 (excluding NYC) but is now
estimated to be even higher.
54
However, most of our legal services clients have low credit ratings, even though many
have steady income from employment or social security benefits and favorable recent
payment records. in any of the counties in New York State. Despite the relatively low
monthly payments required to amortize a mortgage, our clients and other consumers like
them are trapped in rental housing.
Many households, unable to get financing from banks, enter into one-sided, high interest and
risky land contracts or “rent-to-own” agreements. Some of the finance companies attract
purchasers based on inflated internet advertising. Other finance companies market severely
substandard homes typically bought at tax or mortgage foreclosure auctions. Many of the
housing cases handled by our office involve defending clients in these oppressive arrangements
or assisting them with the very difficult task of obtaining a deed for ownership, even when the
buyers have made all their payments. Other cases involve title issues, such as the failure of the
finance company or seller to pay property taxes, or the seller has failed to maintain their own
mortgage payments. In a land contract or “rent-to- own” transaction, title problems of the seller
can result in the loss of the buyer’s investment in the home through a foreclosure action brought
by a third party.
[REDACTED CONTENT] and other attorneys and advocates at [REDACTED CONTENT]
propose the following ways that JPMC can reinvest in rural Western NY and help lead the way
in combating some of its LMI client communities’ most pervasive issues.
1. Expand small dollar mortgage lending and FHA, VA, USDA lending.
2. Adopt more inclusive methods of evaluating an applicant’s credit worthiness, such as
consideration of positive rental history and utility payment.
3. Increase investments in credit/financial counseling coupled with credit-building
programs.
4. Provide greater access to low-interest auto loans but increase oversight for auto dealers
when doing indirect auto lending.
5. Provide community development investments to expand affordable housing for both
rehabilitating existing affordable housing and developing new affordable housing.
6. Expand refinancing eligibility for LMI communities, especially to buyout LMI borrowers
from risky land contracts and rent-to-own agreements.
54
Statewide residential median sale price - excluding New York City, NY Dept. of Taxation and Finance,
https://www.tax.ny.gov/research/property/assess/sales/stmedprice.htm
; New York Housing Market 2024: Trends &
House Prices, Forbes, https://www.forbes.com/advisor/mortgages/real-estate/new-york-
housingmarket/#:~:text=Statewide%2C%20the%20median%20sales%20price,areas%20of%20New%20York%2C%
20though.
37
7. Prioritizing keeping bank branches open or arranging to sell/donate branches to CDFIs
well-positioned to maintain financial services to LMI communities (who are acutely
vulnerable to branch closures).
[REDACTED CONTENT] welcomes the opportunity to meet with JPMorgan Chase to discuss
the above proposals and other ways JPMC can expand its community reinvestment activities in
line with the needs of LMI communities in rural Western New York.
GRCRC urges JPMorgan Chase to work with [REDACTED CONTENT] to see how the bank
can increase access to homeownership in the rural areas of NYS.
Language Access
Over 5.7 million people living in New York speak a language other than English. Of these, 2.5
million speak English less than well (i.e., they have Limited English Proficiency
(“LEP”)). Monroe County has a population of 741,770, of which 103,800 or 14% speak a
language other than English at home (US Census Population Estimate, 2015-2019). This
includes many Spanish-speaking American citizens who relocated from Puerto Rico to Monroe
County after Hurricane Maria in 2017. Rochester also has a significant population of refugees
who speak Arabic, Nepali, Somali, and Swahili. Rochester has the largest concentration of Deaf
and hard-of-hearing residents in the country.
Since over 103,000 Monroe County residents have language barriers, the need for language
access for bank customers in our community is great, including the need for in-language access
to products such as mortgages and consumer loans, as well as language access for consumers
with mortgage delinquencies and facing foreclosure who need forbearances or loan
modifications.
55
“Limited English proficient” or “LEP” is the term used by the federal government, most states,
and local school districts to identify those individuals who do not speak English as their primary
language and who have a limited ability to read, speak, write, or understand English.
56
JPMC has
information in Spanish on its Chase website.
57
Our Spanish-speaking colleagues looked at the
details and found that:
• Not all information, even on the home page, is translated when switched to Spanish on
the website. The banners and ads remain in English.
55
For more on this, see https://www.americanbanker.com/podcast/lost-in-translation-why-non-english-speakers-can-
struggle-at-banks.
56
https://www.lep.gov/faq/faqs-rights-lep-individuals/commonly-asked-questions-and-answers-regarding-limited-
english
57
https://www.chase.com/espanol.
38
• Any icon that is connected to business and credit cards is not translated into any
language. Nor is the information on how to connect to a JPMorgan Advisor to make
investments translated into Spanish.
• All the information under Educación y metas (Education and Goals) is in English.
• On the bottom, the menu is translated into Spanish, but when clicking on many Spanish
links, a message says they are being taken to a page that will most likely not be
translated. The page is within Chase products.
• The section for Chase customers to make a payment asks for a lost debit card that is
translated into Spanish.
• When asked in Spanish to take a survey, the survey pops up in English.
Not having any of the business products or credit card products translated shows that the final
decision on what is translated on the website is not made with an equitable lens. Those making
the decisions assume that those with language barriers are not business owners. This is despite
the fact that nationally, “Though Hispanic owners often have difficulty getting financing, in the
decade from 2012 to 2022, their small businesses multiplied by 44 percent (more than 10 times
the rate of other similarly sized businesses).”
58
As of the date of this letter, FHFA and the CFPB have developed some guidance on the
obligations of financial institutions to serve LEP consumers. We urge the regulators at the
Federal Reserve, the OCC, and the CFPB to develop detailed guidance so that the majority
of the LEP population is equitably served when accessing financial products and services.
Empire Justice Center has advocated for language access in mortgage originations for over a
decade. A recent development will require mortgage lenders Fannie Mae and Freddie Mac to
collect information on borrowers’ preferred language, as well as any housing counseling services
they’ve used. This information will enable lenders to make as much information as possible
about their mortgages in the language the borrower understands best. The press release here has
more information. Equifax is the first credit report agency to provide credit reports in Spanish
(Equifax Spanish Credit Report). This will empower Spanish-speaking consumers to take hold of
their finances and not depend on a third party to translate the information.
59
Supporting CDFI Credit Unions
[REDACTED CONTENT] is a CDFI-Certified Credit Union serving primarily low-income
people and people of color in Rochester, NY, one of the poorest cities in the country.
[REDACTED CONTENT] has been rapidly growing to help more community members avoid
predatory lending and build wealth. The credit union specializes in offering responsible and
affordable car loans to
58
https://www.nytimes.com/2024/03/18/opinion/hispanic-immigrants-economic-progress.html
59
https://www.cnbc.com/2021/09/29/spanish-language-credit-reports-a-big-win-for-financial-empowerment-.html
39
underserved individuals and helping people buy their first homes. [REDACTED CONTENT] is
looking for $2 million in non-member deposits at 0% interest rate to support its lending in these
communities. Such investments of 5 years or longer will allow the credit union to increase its
affordable auto lending and to do interest rate buy-downs on its mortgage loans for first-time
home buyers. GRCRC urges JPMC to make significant patient investments in CDFIs like
[REDACTED CONTENT].
Climate Change and a Just Transition
In 2019, NYS adopted the country’s most ambitious climate targets--to have 100 percent carbon
free electricity by 2040 and have economy-wide, net-zero carbon emissions by 2050. We need
massive investments to make this happen, and we need to make sure it is a just transition, where,
at a minimum, impoverished communities and communities of color are not disproportionately
burdened or harmed.
The Climate Solutions Accelerator of the Genesee-Finger Lakes Region has ideas for how
banks can evaluate their businesses through the lens of climate change, elect to move their
businesses towards climate-friendly solutions, provide support for organizations that are doing
this work in their footprint, and support lower income and BIPOC communities in the transition
to net-zero greenhouse gas emissions. JPMC can:
• Provide low-cost home improvement or refinance loans and other innovative financing
products to people of color and low-moderate income households and tenant occupied
buildings to make home energy efficiency projects more affordable and feasible. This
will allow owners to weatherize, get heat pumps and heat pump hot water heaters, put in
electric car chargers, and install solar panels, which will reduce energy costs, decrease
families’ carbon footprints and improve indoor air quality.
• Provide affordable financing for small businesses, particularly micro-businesses and
Black and brown-owned businesses, that want to improve their energy efficiency and
reduce their reliance on fossil fuels.
• Create community development financing goals and products to support projects that
provide substantive opportunities for low-moderate income communities to benefit from
the transition to renewable energy and reduce their use of fossil fuels, e.g. community
solar, district geothermal.
• Invest in renewable energy, including geothermal, solar, wind, battery storage and other
building energy efficiency investments, along with clean energy workforce development
to support the growing demand of this transition.
• Require or strongly encourage borrowers to include energy upgrades in their renovation
projects, especially for multifamily buildings that require major renovations.
40
• Include information about energy upgrades (and corresponding energy bill savings)
and/or referrals to relevant energy programs (e.g., AMPED and other NYSERDA-funded
Regional Clean Energy Hubs) as part of homebuyer/financial education programs.
• Provide philanthropic support to nonprofit organizations that are working to address
environmental justice/climate justice and climate change.
• Reduce the bank’s own carbon footprint.
GRCRC urges JPMC to connect with these organizations to hear more about the important work
they are doing to improve the Rochester community and to seriously consider their
recommendations to advance the work.
CONCLUSION
Economic disparities and racial segregation in the Rochester community persist. Rochester is the
14
th
most segregated metro area in the US.
60
We have much work and introspection ahead of us
to fully understand how structural racism and economic inequality continue to divide our
communities and disproportionately harm Black and Brown communities, while ultimately
harming us all.
61
Like all financial institutions in this country, JPMC is part of and has benefitted
from these systems.
62
The current economic lay of the land, particularly around inflation, high interest rates, and the
lack of affordable rental units and homes for first-time homebuyers means we need creative
investments, programs, and products to make owner- and renter-housing more affordable and to
increase support for those most impacted by today’s economic situation—Black and Brown low-
moderate-income first-time home buyers and small business owners. Rochester has many
initiatives and organizations to increase the supply of housing, to support lower income
consumers to move closer to homeownership, and to provide technical assistance and financing
for small businesses, several of which are described in this letter.
JPMC has made some progress in supporting historically marginalized communities. While its
overall mortgage lending declined over the exam period, its lending to Black and Brown
borrowers and in communities of color increased. The bank is supporting lower income
customers with its Bank On Certified Chase Secure Banking Account. In addition, JPMC has
been the lead lender for a number of years on [REDACTED CONTENT] and [REDACTED
CONTENT] financing
60
White-Black segregation. Appendix C. https://www.brookings.edu/wp-content/uploads/2022/05/A-2020-Census-
Portrait-of-America_s-Largest-Metro-Areas_-Populati.pdf
61
See Heather McGhee. 2021. The Sum of Us: What Racism Costs Everyone and How We Can Prosper
Together.
62
For more on how the financial system has benefitted from structural racism and other forms of oppression, see:
Take on Wall Street, “To What Extent Was Our Economy Designed to Be Fair?” at: https://isoureconomyfair.org/
.
41
facility. In fact, almost 51% of the bank’s reinvestment dollars is in community development
loans.
JPMC can do more to increase its LMI neighborhood small business lending through term loans
and/or business lines of credit. The bank can also work with local developers of affordable
housing to invest in more projects like Alta Vista and invest in our local CDFIs to help meet the
goal we are seeking of an additional $100 million in reinvestments. JPMC can also increase its
philanthropic support of organizations here in Rochester who are helping consumers build credit,
buy reliable used cars with responsible loans, and become homeowners. Finally, the bank can
connect these organizations to the responsible mortgage, auto loan, and transaction products the
bank already has, so consumers can more easily access them.
GRCRC and its member organizations look forward to talking with JPMC about how to best
meet the needs of communities harmed by structural racism, economic inequality, and the
climate crisis in ways that are compatible with safe and sound business practices.
Sincerely,
[REDACTED CONTENT]
Researcher/Policy Analyst
[REDACTED CONTENT]
Senior Attorney
CC:
[REDACTED CONTENT], JPMC
[REDACTED CONTENT],
JPMC
[REDACTED CONTENT], OCC
[REDACTED CONTENT], OCC
Appendix: Tables 1-11
Table 1: Offices and Deposits of all FDIC-Insured Institutions
Deposit Market Share Report
Deposits as of: June 30, 2023
Selected Market
Metropolitan Statistical Area(s):
ROCHESTER, NY
Outside of Market
Inside of Market
Rank Institution Name CERT State Bank State/ No. of Deposits No. of Deposits Market % US
(Hqtrd) Class Federal Offices $000 Offices $000 Share Deposits
1 Manufacturers and Traders Trust Company 588 NY SM State 1,006 161,266,058 29 3,986,404 16.84% 2.4%
2 The Canandaigua National Bank and Trust Company 6985 NY N Federal 0 0 26 3,603,003 15.22% 100.0%
3 JPMorgan Chase Bank, National Association 628 OH N Federal 4,852 2,064,610,783 23 3,431,217 14.49% 0.2%
4 Keybank National Association 17534 OH N
Federal 958 145,164,174 27 3,020,047 12.76% 2.0%
5 Bank of America, National Association 3510 NC N Federal 3,802 1,877,299,426 9 1,861,229 7.86% 0.1%
6 Citizens Bank, National Association 57957 RI N Federal 1,071 178,947,971 22 1,766,195 7.46% 1.0%
7 The Lyons National Bank 7151 NY N Federal 4 253,530 12 1,465,643 6.19% 85.3%
8 Five Star Bank 659 NY SM State 28 3,726,569 21 1,338,825 5.66% 26.4%
9 Community Bank, National Association 6989 NY N Federal 197 12,147,902 15 933,099 3.94% 7.1%
10 Genesee Regional Bank 26333 NY NM State
0 0 3 823,371 3.48% 100.0%
11 Tompkins Community Bank 609 NY NM State 57 5,792,703 8 710,346 3.00% 10.9%
12 The Upstate National Bank 13748 NY N Federal 2 25,726 1 185,683 0.78% 87.8%
13 Wayne Bank 698 PA NM State 27 1,573,282 2 159,722 0.67% 9.2%
14 Evans Bank, National Association 6947 NY N Federal 16 1,639,810 4 150,182 0.63% 8.4%
15 Generations Bank 16040 NY SB Federal 5 228,614 4 108,132 0.46% 32.1%
16 Northwest Bank 28178 PA SB State 141 11,966,579 2 77,035 0.33% 0.6%
17 Savannah Bank National Association 14619 NY N Federal 4 121,697 1 44,405 0.19% 26.7%
18 Woodforest National Bank 23220 TX N Federal 772 7,961,435 3 7,287 0.03% 0.1%
Number of Institutions in the Market: 18 TOTALS 12,942 4,472,726,259 212 23,671,825 100
42
Table 2: JPMorgan Chase Total Mortgage Lending 2019-2022
Rochester, NY MSA
(1st lien loans on owner-occupied (principal & secondary), 1-4 family, site built units)
2021-2022
2019-2022
2019 2020 2021 2022 # change % change
# change % change
MSA
360 243 437 251 -186 -43% -109 -30%
City
32 15 36 40 4 11% 8 25%
Black/Latino HH
48 19 34 49 15 44% 1 2%
Low-Mod Income HH
120 66 108 109 1 1% -11 -9%
Low-Mod Income CT
42 14 34 55 21 62% 13 31%
Majority Non-White CT
13 5 12 28 16 133% 15 115%
AFI
% of loans in: 2019 2020 2021 2022 2022
City 9% 6% 8% 16%
12%
Black/Latino HH 13% 8% 8% 20%
11%
Low-Mod Income HH 33% 27% 25% 43%
43%
Low-Mod Income CT 12% 6% 8% 22%
21%
Majority Non-White CT 4% 2% 3% 11%
8%
Source: Annual HMDA LAR data from FFEIC and CFPB.
43
Table 3: JPMorgan Chase Total Dollar Volume Mortgage Lending 2019-2022
Rochester, NY MSA
(Aggregate amount of 1st lien loans on owner-occupied (principal & secondary), 1-4 family, site built units, $0
2021-2022
2019-2022
2019 2020 2021 2022 # change % change
# change % change
MSA
54,800 45,005 86,385 46,645
-39,740 -46%
-8,155 -15%
City 3,460 1,775 5,350 4,590
-760
-14%
1,130 33%
Black/Latino HH 6,710 3,045 5,170 6,785
1,615 31%
75 1%
Low-Mod Income HH
11,750 8,300 12,710 12,505
-205
-2% 755 6%
Low-Mod Income CT 3,980 1,650 4,420 6,635
2,215 50%
2,655
67%
Majority Non-White CT 1,105 385 1,500 2,740
1,240 83%
1,635 148%
AFI
% of lending in: 2019 2020 2021 2022 2022
City 6% 4% 6% 10% 8%
Black/Latino HH 12% 7% 6% 15% 9%
Low-Mod Income HH 21% 18% 15% 27% 29%
Low-Mod Income CT 7% 4% 5% 14% 15%
Majority Non-White CT 2% 1% 2% 6% 5%
Source: Annual HMDA LAR data from FFEIC and CFPB.
44
Table 4: JPMorgan Chase Home Purchase Loans 2019-2022
Rochester, NY MSA
(1st lien loans on owner-occupied (principal & secondary), 1-4 family, site built units)
2021-2022
2019-2022
2019 2020 2021 2022 # change % change
# change % change
MSA 175 80 118 119 1 1% -56 -32%
City 21 5 16 23 7 44% 2 10%
Black/Latino HH 30 9 13 27 14 108% -3 -10%
Low-Mod Income HH 59 33 42 49
7 17% -10 -17%
Low-Mod Income CT 25 8 18 31 13 72% 6 24%
Majority Non-White CT 10 3 7 18 11 157% 8 80%
AFI
% of loans in: 2019 2020 2021 2022 2022
City 12% 6% 14% 19% 13%
Black/Latino HH 17% 11% 11% 23% 13%
Low-Mod Income HH 34% 41% 36% 41% 42%
Low-Mod Income CT 14% 10% 15% 26% 22%
Majority Non-White CT 6% 4% 6% 15% 9%
Source: Annual HMDA LAR data from FFEIC and CFPB.
45
Table 5: Top 8 Banks Total Mortgage Originations 2022
Rochester, NY MSA
(1st lien loans on owner-occupied (principal and secondary), 1-4 family, site built units)
Annual HMDA data AFI BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB
M&T Top 8 OFI
MSA 17,290 150 1,149 577 223 251 356 571 469 3,746 13,544
City 2,003 33 96 91 50 40 30 14 79 433 1,570
Black/Latino HH 1,928 40 64 95 67 49 20 20 90 445 1,483
Low-Mod Income HH 7,434 78 384 334 144 109 141 185 237 1,612 5,822
Low-Mod Income CT 3,571 46 160 144 84 55 61 121 124 795 2,776
Majority Non-White CT 1,403 27 52 84 51 28 14 7 70 333 1,070
MARKETSHARE
BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB
M&T Top 8 OFI
MSA 0.9% 6.6% 3.3% 1.3% 1.5% 2.1% 3.3% 2.7% 22% 78%
City 1.6% 4.8% 4.5% 2.5% 2.0% 1.5% 0.7% 3.9% 22% 78%
Black/Latino HH 2.1% 3.3% 4.9% 3.5% 2.5% 1.0% 1.0% 4.7% 23% 77%
Low-Mod Income HH 1.0% 5.2% 4.5% 1.9% 1.5% 1.9% 2.5% 3.2% 22% 78%
Low-Mod Income CT 1.3% 4.5% 4.0% 2.4% 1.5% 1.7% 3.4% 3.5% 22% 78%
Majority Non-White CT 1.9% 3.7% 6.0% 3.6% 2.0% 1.0% 0.5% 5.0% 24% 76%
Loans as %
of MSA TOTAL IN: AFI BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB
M&T Top 8 OFI
City 12% 22% 8% 16% 22% 16% 8% 2% 17% 12% 12%
Black/Latino HH 11% 27% 6% 16% 30% 20% 6% 4% 19% 12% 11%
Low-Mod Income HH 43% 52% 33% 58% 65% 43% 40% 32% 51% 43% 43%
Low-Mod Income CT 21% 31% 14% 25% 38% 22% 17% 21% 26% 21% 20%
Majority Non-White CT 8% 18% 5% 15% 23% 11% 4% 1% 15% 9% 8%
Source: FFIEC Home Mortgage Disclosure Act (HMDA) 2022 Snapshot National Loan Level Dataset, as of 5/1/2023, downloaded from:
https://ffiec.cfpb.gov/data-browser/data/2022?category=states&items=NY)
Prepared by: Empire Justice Center, [REDACTED CONTENT]
46
DOLLAR VOL LENDING AFI BOA CNB Citizens Five Star JPMC KeyBank Lyons NB M&T Top 8 OFI
MSA $3,211,270 29,170 280,125 87,805 29,005 46,645 72,290 135,585 73,045 $753,670 $2,457,600
City $265,185 4,665 16,280 8,775 4,930 4,590 5,560 2,500 8,555 $55,855 $209,330
Black/Latino HH $298,100 6,810 12,070 11,255 7,145 6,785 4,050 4,640 11,410 $64,165 $233,935
Low-Mod Income HH $940,830 10,760 54,810 38,880 14,620 12,505 15,005 23,015 26,145 $195,740 $745,090
Low-Mod Income CT $474,965 5,880 27,360 14,920 8,660 6,635 7,175 19,285 14,660 $104,575 $370,390
Majority Non-White CT $153,575 3,315 6,450 7,710 5,105 2,740 1,430 985 7,080 $34,815 $118,760
MARKETSHARE
BOA CNB Citizens Five Star JPMC KeyBank Lyons NB M&T Top 8 OFI
MSA 0.9% 8.7% 2.7% 0.9% 1.5% 2.3% 4.2% 2.3% 23% 77%
City 1.8% 6.1% 3.3% 1.9% 1.7% 2.1% 0.9% 3.2% 21% 79%
Black/Latino HH 2.3% 4.0% 3.8% 2.4% 2.3% 1.4% 1.6% 3.8% 22% 78%
Low-Mod Income HH 1.1% 5.8% 4.1% 1.6% 1.3% 1.6%
2.4% 2.8% 21% 79%
Low-Mod Income CT 1.2% 5.8% 3.1% 1.8% 1.4% 1.5% 4.1% 3.1% 22% 78%
Majority Non-White CT 2.2% 4.2% 5.0% 3.3% 1.8% 0.9% 0.6% 4.6% 23% 77%
Loans as %
of MSA TOTAL IN: AF I BOA CNB Citizens Five Star JPMC KeyBank Lyons NB M&T Top 8 OFI
City 8% 16% 6% 10% 17% 10% 8% 2% 12% 7% 9%
Black/Latino HH 9% 23% 4% 13% 25% 15% 6% 3% 16% 9% 10%
Low-Mod Income HH 29% 37% 20% 44% 50% 27% 21% 17% 36% 26% 30%
Low-Mod Income CT 15% 20% 10% 17% 30% 14% 10% 14% 20% 14% 15%
Majority Non-White CT 5% 11% 2% 9% 18% 6% 2% 1% 10% 5% 5%
Total Dollar Volume of Lending (000's) (1st lien loans on owner-occupied (principal and secondary), 1-4 family, site built units)
Prepared by: Empire Justice Center, [REDACTED CONTENT]
Table 6: Top 8 Banks Dollar Volume HMDA Lending 2022
Rochester, NY MSA
Source: FFIEC Home Mortgage Disclosure Act (HMDA) 2022 Snapshot National Loan Level Dataset, as of 5/1/2023, downloaded from: https://ffiec.cfpb.gov/data-
browser/data/2022?category=states&items=NY)
47
Table 7: Top 8 Banks Home Purchase Originations 2022
Rochester, NY MSA
(1st lien home purchase loans on owner-occupied (principal and secondary), 1-4 family, site built units)
Annual HMDA data AF I BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB M&T Top 8 OFI
MSA 9,754 96 740 78 144 119 133 305 205 1,820 7,934
City 1,299 30 67 27 49 23 14 13 54 277 1,022
Black/Latino HH 1,247 36 50 34 62 27 12 17 63 301 946
Low-Mod Income HH 4,062
59 252 49 102 49 51 106 121
789 3,273
Low-Mod Income CT 2,177 41 113 36 71 31 23 65 87 467 1,710
Majority Non-White CT 916 26 41 30 50 18 6 7 54 232 684
MARKETSHARE
BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB M&T Top 8 OFI
MSA 1.0% 7.6% 0.8% 1.5% 1.2% 1.4% 3.1% 2.1% 19% 81%
City 2.3% 5.2% 2.1% 3.8% 1.8% 1.1% 1.0% 4.2% 21% 79%
Black/Latino HH 2.9% 4.0% 2.7% 5.0% 2.2% 1.0% 1.4% 5.1% 24% 76%
Low-Mod Income HH 1.5% 6.2% 1.2% 2.5% 1.2% 1.3% 2.6% 3.0% 19% 81%
Low-Mod Income CT 1.9% 5.2% 1.7% 3.3% 1.4% 1.1% 3.0% 4.0% 21% 79%
Majority Non-White CT 2.8% 4.5% 3.3% 5.5% 2.0% 0.7% 0.8% 5.9% 25% 75%
Loans as %
of MSA TOTAL IN: AF I BOA CNB Citizens Five Star JPMC
KeyBank
Lyons NB M&T Top 8 OFI
City 13% 31% 9% 35% 34% 19% 11% 4% 26% 15% 13%
Black/Latino HH 13% 38% 7% 44% 43% 23% 9% 6% 31% 17% 12%
Low-Mod Income HH 42% 61% 34% 63% 71% 41% 38% 35% 59% 43% 41%
Low-Mod Income CT 22% 43% 15% 46% 49% 26% 17% 21% 42% 26% 22%
Majority Non-White CT 9% 27% 6% 38% 35% 15% 5% 2% 26% 13% 9%
Source: FFIEC Home Mortgage Disclosure Act (HMDA) 2022 Snapshot National Loan Level Dataset, as of 5/1/2023, downloaded from:
https://ffiec.cfpb.gov/data-browser/data/2022?category=states&items=NY)
Prepared by: Empire Justice Center, [REDACTED CONTENT]
48
Table 8: JPMorgan Chase Small Business Lending 2019-2022
Rochester NY MSA (Inside and Outside Assessment Area)
Number of Loans
2021-2022 2021-2022 2019-2022 2019-2022
2019 2020 2021 2022 # change % change # change % change
Number of Loans Ranking
Rochester MSA Total 3,727 2,026 2,957 3,462
505 17% -265 -7%
Rochester MSA in LMI CT 544 332 483 627
144 30% 83 15%
Loan Amt <= $100,000 3,701 1,909 2,906 3,439
533 18% -262 -7%
Loan Amt <= $100,000 in LMI CT 538 307 476 618
142 30% 80 15%
Bus. w. GAR < $1 M 1,940 1,040 1,659 2,359
700 42% 419 22%
Bus. w. GAR < $1 M in LMI CT 264 171 267 409
142 53% 145 55%
AFI
% of Rochester MSA Loans In: 2019 2020 2021 2022 2022
Rochester MSA in LMI CT 15% 16% 16% 18% 19%
Loan Amt <= $100,000 99% 94% 98% 99% 91%
Loan Amt <= $100,000 in LMI CT 14% 15% 16% 18% 17%
Bus. w. GAR < $1 M 52% 51% 56% 68% 43%
Bus. w. GAR < $1 M in LMI CT 7% 8% 9% 12% 7%
Aggregate Amount of Loans (Millions of Dollars)
2021-2022 2021-2022 2019-2022 2019-2022
2019 2020 2021 2022 # change % change # change % change
Dollar Volume of Lending Ranking
Rochester MSA Total $50.04 $67.60 $49.63 $46.33 -$3.31
-7% -$3.72 -7%
Avg Loan Size (in thousands) $13.43 $33.37 $16.78 $13.38 -$3.40
-20% -$0.05 0%
Rochester MSA in LMI CT $8.96 $13.42 $9.20 $8.49 -$0.71
-8% -$0.47 -5%
Loan Amt <= $100,000 $41.41 $32.79 $35.39 $39.46 $4.07
11% -$1.95 -5%
Loan Amt <= $100,000 in LMI CT $6.73 $6.14 $6.57 $7.71 $1.14
17% $0.98 15%
Bus. w. GAR < $1 M $22.71 $15.77 $15.08 $24.48 $9.40
62% $1.77 8%
Bus. w. GAR < $1 M in LMI CT $3.24 $3.20 $2.55 $4.21 $1.66
65% $0.97 30%
AFI
% of Rochester MSA Loans In: 2019 2020 2021 2022 2022
Rochester MSA in LMI CT 18% 20% 19% 18% 22%
Loan Amt <= $100,000 83% 49% 71% 85% 36%
Loan Amt <= $100,000 in LMI CT 13% 9% 13% 17% 7%
Bus. w. GAR < $1 M 45% 23% 30% 53% 26%
Bus. w. GAR < $1 M in LMI CT 6% 5% 5% 9% 5%
Notes: From annual FFIEC CRA small business lending public data, available at https://www.ffiec.gov/cra/craproducts.htm.
49
Table 9: Top 8 Banks Small Business Lending, 2022
Top 8 Depositories, Rochester, NY MSA
Number of Loans
AFI BOA CNB Citizens C mty B k Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Number of Loans Ranking
Rochester MSA Total
19,566 871 1,343 115 124 94 3,462 677 579 7,141 7,265 12,301
Rochester MSA in LMI CT 4,101 197 289 32 29 27 627 166 112 1,450 1,479 2,622
Loan Amt <= $100,000
18,442 840 1,118 103 85 55 3,439 613 410 6,578 6,663 11,779
Loan Amt <= $100,000 in LMI CT
3,826 190 241 32 19 12 618 142 76 1,311 1,330 2,496
Bus. w. GAR < $1 M
9,953 553 680 90 95 52 2,359 348 358 4,440 4,535 5,418
Bus. w. GAR < $1 M in LMI CT 2,049 133 146 27 21 15 409 81 67 745 766 1,283
Marketshare
BOA CNB Citizens C mty Bk Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Rochester MSA Total
4.5% 6.9% 0.6% 0.6% 0.5% 17.7% 3.5% 3.0% 36.5% 37.1% 62.9%
Rochester MSA in LMI CT 4.8% 7.0% 0.8% 0.7% 0.7% 15.3% 4.0% 2.7% 35.4% 36.1% 63.9%
Loan Amt <= $100,000
4.6% 6.1% 0.6% 0.5% 0.3% 18.6% 3.3% 2.2% 35.7% 36.1% 63.9%
Loan Amt <= $100,000 in LMI CT
5.0% 6.3% 0.8% 0.5% 0.3% 16.2% 3.7% 2.0% 34.3% 34.8% 65.2%
Bus. w. GAR < $1 M
5.6% 6.8% 0.9% 1.0% 0.5% 23.7% 3.5% 3.6% 44.6% 45.6% 54.4%
Bus. w. GAR < $1 M in LMI CT 6.5% 7.1% 1.3% 1.0% 0.7% 20.0% 4.0% 3.3% 42.9% 43.9% 62.6%
Percentage of Rochester MSA Loans In:
AFI BOA CNB Citizens Cmty B k Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Rochester MSA in LMI CT 21.0% 22.6% 21.5% 27.8% 23.4% 28.7% 18.1% 24.5% 19.3% 20.3% 20.4% 21.3%
Loan Amt <= $100,000
94.3% 96.4% 83.2% 89.6% 68.5% 58.5% 99.3% 90.5% 70.8% 92.1% 91.7% 95.8%
Loan Amt <= $100,000 in LMI CT
19.6% 21.8% 17.9% 27.8% 15.3% 12.8% 17.9% 21.0% 13.1% 18.4% 18.3% 20.3%
Bus. w. GAR < $1 M
50.9% 63.5% 50.6% 78.3% 76.6% 55.3% 68.1% 51.4% 61.8% 62.2% 62.4% 44.0%
Bus. w. GAR < $1 M in LMI CT 10.5% 15.3% 10.9% 23.5% 16.9% 16.
0% 11.8% 12.0% 11.6% 10.4% 10.5% 10.4%
Total Amount of Loans (Millions of Dollars)
AFI BOA CNB Citizens Cmty B k Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Dollar Volume of Lending Ranking
Rochester MSA Total
$638.03 $25.17 $123.92 $5.14 $18.01 $18.38 $46.33 $33.82 $81.88 $334.64 $352.65 $285.38
Avg Loan Size (in thousands)
$32.61 $28.90 $92.27 $44.67 $145.24 $195.56 $13.38 $49.95 $141.42 $46.86 $48.54 $23.20
Rochester MSA in LMI CT $146.91 $4.58 $25.51 $.82 $5.06 $6.84 $8.49 $10.75 $17.08 $74.07 $79.13 $67.78
Loan Amt <= $100,000
$263.66 $13.15 $47.98 $2.38 $4.36 $1.54 $39.46 $9.54 $13.84 $127.88 $132.24 $131.42
Loan Amt <= $100,000 in LMI CT
$54.18 $2.85 $10.29 $.71 $1.07 $.22 $7.71 $2.37 $2.50 $26.63 $27.70 $26.48
Bus. w. GAR < $1 M
$222.32 $9.31 $49.40 $2.59 $11.65 $3.81 $24.48 $8.38 $33.23 $131.20 $142.85 $79.47
Bus. w. GAR < $1 M in LMI CT $44.76 $1.80 $9.79 $.60 $3.16 $1.65 $4.21 $2.20 $6.79 $27.04 $30.20 $14.56
Marketshare
BOA CNB Citizens C mty Bk Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Rochester MSA Total
3.9% 19.4% 0.8% 2.8% 2.9% 7.3% 5.3% 12.8% 52.4% 55.3% 44.7%
Rochester MSA in LMI CT 3.1% 17.4% 0.6% 3.4% 4.7% 5.8% 7.3% 11.6% 50.4% 53.9% 46.1%
Loan Amt <= $100,000
5.0% 18.2% 0.9% 1.7% 0.6% 15.0% 3.6% 5.2% 48.5% 50.2% 49.8%
Loan Amt <= $100,000 in LMI CT
5.3% 19.0% 1.3% 2.0% 0.4% 14.2% 4.4% 4.6% 49.2% 51.1% 48.9%
Bus. w. GAR < $1 M
4.2% 22.2% 1.2% 5.2% 1.7% 11.0% 3.8% 14.9% 59.0% 64.3% 35.7%
Bus. w. GAR < $1 M in LMI CT 4.0% 21.9% 1.3% 7.1% 3.7% 9.4% 4.9% 15.2% 60.4% 67.5% 32.5%
Percentage of Rochester MSA Loans In:
AFI BOA CNB Citizens C mty B k Five Star JPMC KeyBank M&T Top 7 Top 8 OFI
Rochester MSA in LMI CT 23.0% 18.2% 20.6% 16.0% 28.1% 37.2% 18.3% 31.8% 20.9% 22.1% 22.4% 23.8%
Loan Amt <= $100,000
41.3% 52.2% 38.7% 46.3% 24.2% 8.4% 85.2% 28.2% 16.9% 38.2% 37.5% 46.0%
Loan Amt <= $100,000 in LMI CT
8.5% 11.3% 8.3% 13.7% 5.9% 1.2% 16.6% 7.0% 3.
1% 8.0% 7.9% 9.3%
Bus. w. GAR < $1 M
34.8% 37.0% 39.9% 50.3% 64.7% 20.7% 52.9% 24.8% 40.6% 39.2% 40.5% 27.8%
Bus. w. GA
R < $1 M in LMI CT 7.0% 7.1% 7.9% 11.7% 17.5% 9.0% 9.1% 6.5% 8.3% 8.1% 8.6% 5.1%
Notes: Lyons NB reported no loans, so included the next largest bank--Community Bank (Cmty Bk). Top 7 does NOT include Cmty Bk.
AFI: All Financial Institutions
OFI: Other Financial Institutions
Prepared by: Empire Justice Center, [REDACTED CONTENT]
50
Table 10
Table 10a: JPMorgan Chase's Total Community Development Lending, Investments and Grants and
CRA Eligible Mortgage and Small Business Lending
Rochester MSA
(in millions)
2024 Exam Period (2020-2022) #
Economic
Development/
Revitalization
Affordable
Housing
K-12
Education
Other Total
Community Development Loans $23.67 $120.46 $1.82 $145.95
Community Development Investments $25.08 $25.08
CRA-Eligible Grants/Donations $0.25 $0.03 $0.52 $0.80
Subtotal $23.67 $145.79 $1.85 $0.52 $171.82
Mortgage Lending* $40.58 $40.58
Small Business Lending** $76.49 $76.49
Total $100.16 $186.37 $1.85 $0.52 $288.89
Annualized over 3 years $33.39 $62.12 $0.62 $0.17 $96.30
Notes: * Includes all HMDA mortgage originations to low-moderate income households and/or in low-moderate census tracts for 2019-
21 (unduplicated)
** Includes CRA Small business loans in low-moderate income census tracts and/or to businesses with gross annual revenues under
$1 million for 2019-2021 (unduplicated).
# While the exam period is 2020-2023, numbers were only available through 2022. CDLI numbers provided by JPMorgan Chase,
mortgage and small business lending numbers calculated by Empire Justice Center.
Annualized the reinvestments over 3 years, even though the entire exam period is 4 years, given that the 2023 numbers were not
available.
Table 10b: JPMorgan Chase's Deposits, CRA-Related Reinvestments & % Deposits Reinvested in the Rochester NY
Community Across Exams
Reinvestments (millions)
% Deposits Reinvested
Deposits
(millions)
Total Over
Entire Exam
Annualized
Entire Exam
Period
Annualized
2024 Exam Period (2020-2022, 3 years) $3,648
$289 $96 7.92% 2.64%
2016 Exam Period (2011-2013, 3 years) $2,082
$169 $56 8.13% 2.71%
2011 Exam Period (2007-2010, 4 years) $1,293
$360 $90 27.86% 6.96%
2007 Exam Period (2004-2006, 3 years)
$1,993 $286 $95 14.34% 4.78%
2007-2024 Change (#)
$1,655 $3 $1 -6.42% -2.14%
2007-2024 Change (%)
83% 1% 1% -45% -45%
51
Table 11: JPMorgan Chase's Annual Community Development Lending, Investments and Grants and
CRA Eligible Mortgage and Small Business Lending (in millions)
Rochester NY MSA, 2020-2022
2020 2021 2022
# Change
2020-2022
% Change
2020-2022
FDIC Deposits $ 3,126.3 $ 3,407.1 $ 3,647.7
$ 521.4 17%
Depositor
y Market Share 13.9% 13.5% 14.1%
0.2% 1%
LMI Mortgage Lending* 9.5 15.2 15.9 $ 6.4 68%
LMI Sm
all Business Lending** 26.0 21.7 28.8 2.8 11%
Total LMI Mortgage and LMI Small Business Lending $ 35.5 $ 37.0 $ 44.7 $ 9.2 26%
Community Development Lending*** 57.3 30.2 58.4 $ 1.1 2%
Community Development Investments*** 4.2 20.9 - -4.2 -100%
CRA-Eligible Grants*** 0.5 - 0.3 -0.2 -43%
Total CDLI $ 62.0 $ 51.1 $ 58.7 -3.33 -5%
Total Annual CRA-Related Reinvestments $ 97.5 $ 88.0 $ 103.4 $ 5.9 6%
Percent of deposits reinvested in community 3.1% 2.6% 2.8% -0.3% -9%
* Includes all mortgage originations to low-moderate income households and/or in low-moderate income census tracts for that year (unduplicated).
** Includes CRA small business loans in low-moderate income census tracts or to businesses with gross annual revenues under $1 million for that year (unduplicated);
calculated by Empire Justice.
*** Annual numbers reported by JPMC.
Prepared by Empire Justice Center, 02/27/2024.
52
DATE: February 29, 2024
TO: Empire Justice Center
RE: JP Morgan Chase Bank
In anticipation of the pending CRA review there are two aspects of Chase banking service that
merit comment.
1) Clos
ure of the Chase “West End Branch”
Chase, and its predecessor Lincoln-Alliance Bank across the street at 886 West Main St.,
have met the banking needs for the Bull’s Head area since 1922 – a hundred years!
Closing the Chase branch office at 36 Genesse St. at Bull’s Head in October 2022 left our
community with no full-service physical bank office. Although the closure was required to
enable the City of Rochester’s Bull’s Head Revitalization Project, the community had hoped
that Chase would relocate temporarily to nearby vacant office space. It did not relocate.
This branch closure has been a huge loss for our community in which 28% of the dwelling
units have no vehicle, and over 400 business entities line the surrounding commercial
corridors. Further, Chase has given no indication that they would return to the Bull’s Head
area after the planned revitalization
2) Mort
gage Lending
An informal look at recent JP Morgan Chase Bank mortgage lending numbers in Monroe
County was undertaken. Some observations are below.
Source: Monroe County Records, searching for all variants of “JP Morgan Chase, NA”
Period: The most recent full calendar year from January 1 to December 31, 2023
Tot
al: Found 106 mortgages for 1 and 2-family dwellings in Monroe County
Mortgages: included were primarily for purchases, plus a few refi’s and loan modifications
The chart on the following page illustrates the breakdown of Chase mortgages in Monroe
County over the past calendar year.
Observations:
City vs Suburbs: of 106 loans, 72 (67.9%) were outside the City vs 34 (32.1%) were for
City of Rochester homes.
SW Quadrant vs other parts of the City: Of the 34 City loans, 7 were in the SW
Quadrant (19
th
Ward plus five adjacent neighborhoods). This suggests balance across
City quadrants.
City Owner-Occupancy – although the chart does not illustrate this, 32 of the 34 City
loans (94%) were placed with owner-occupants. This is a commendable very high
percentage, indicating intentionality on the part of Chase!
Purchase vs Other Loans –of the 34 City loans, 22 (65%), were used to purchase a home.
There were only 5 refinances, 5 loan modifications and no HELOC’s.
Although Chase is a relatively small player in Monroe County home purchase lending, we
found their support for owner-occupancy very welcome. Based on the above metrics, a
larger volume of Chase mortgages for owner-occupants would be welcome in the future.
We ask that our comments be included in the upcoming CRA review for JP Morgan Chase.
Sincerely,
[REDACTED CONTENT]
C: [REDACTED CONTENT], President, [REDACTED CONTENT]
CRA Public File Written Comments Last Updated March 31, 2024
JPMorgan Chase Bank N.A.
Year
Comment
Received Date
Comment* JPMC Response
AA
(If known)
Branch
(If known)
2024 1/7/2024
In October 2023, I contacted Chase credit card services byphone to request an interest rate reduction. The interest ratefor this card is double
the other interest rate that I have foranother mainstream credit card. I was told that Chase reviewsthese automatically and that she was
unable to submit myrequest for an individual review. I found this at odds with whatmost companies do. In fact, as a consumer you
areencouraged to contact your credit card company and requesta lower rate. I tried to find a contact online to submit acomplaint under
Community Reinvestment grounds, but wasunable to find one. Then I emailed the bank. The response Igot from the bank on Oct 7 2023 is as
follows: "Thank you forcontacting us from your XXXX account ending in XXX. Forprivacy reasons, we generally don't discuss our
businessinteractions with individuals or businesses. XXX, we appreciateyou being a Chase customer."
Dear [REDACTED CONTENT]:
We are responding to your inquiry about lower interest rate for your credit card account ending in [redacted].
We appreciate the opportunity to assist you.
Upon review, our records confirmed there were no records found within the last three months of you requesting an interest rate
reduction. Your current annual percentage rate (APR) for purchases is 28.74% Variable. We review eligible accounts regularly to
determine if the customer qualifies for a lower APR.
At this time, we processed a lower APR inquiry on your behalf. We confirmed that your current APR is the lowest available at this time.
You can always check your monthly billing statement or sign in to chase.com to view your APRs. The cardmember agreement fully
explains your account terms. We enclosed a copy for your records.
We deny all allegations of not meeting community credit needs and Community Reinvestment Act (CRA) violations. We are not able to
provide contact information for CRA. We apologize for any inconvenience this may have caused. We look forward to a continued
banking relationship with you.
If you have questions about this issue, please call [REDACTED CONTENT] at 1-877-805-8049, extension [REDACTED CONTENT].
If you have other questions, please call us at the number below. We accept operator relay calls. We’re available Monday through
Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Card Executive Office
2024 1/13/2024
The customer had an appointment scheduled for 1/13 at 10:00AM to add a Joint Owner to the checking account. Customer searched branch
on Google and discovered that hours were Temporarily Closed due to severe weather conditions. Customer then called Chase Customer
Service to confirm and was told by customer service that the branch was closed. This is not fact and the branch is open on 1/13. Customer
was frustrated that if they commuted to the branch to discover that the branch was closed and no one would have contacted them. They
inquired on what processes are in place to communicate to customers in the event of branch closure.
JPMC representative called customer, listened to their concerns, and explained that the branch is open today and that are here for
them if they want to visit the branch for scheduled meeting.
2024 1/15/2024
Hello Chase,
You have an emptied branch location (now with only ATMs) at 68-20 Rockaway Beach Blvd in Arverne-by-the-Sea (NY). I urge you to consider
again opening a full services branch here. I live in [redacted], a beautiful, new, upscale rental building complex. We are surrounded by recently
built townhouses and soon will have a very large, luxury condo building ([REDACTED CONTENT]) - all virtually across the street from your prior
Chase branch location.
This is an opportunity to do well and do good! Reopening your branch will serve our lower income neighbors while you can also tap into the
present and growing ranks of high net-income residents who want convenient in-person banking.
Thank you,
[REDACTED CONTENT]
Dear [REDACTED CONTENT]:
We are responding to your inquiry about the closure of our Arverne by the Sea branch. Thank you for
sharing your concerns.
We consolidated our Arverne by the Sea branch in May 2021 because of the proximity to our other branches and lack of transactional
and sales volumes the branch.
We do not plan to re-open the branch in the immediate vicinity in the foreseeable future.
Although we have made the decision to close our 68-20 Rockaway Beach Boulevard branch, the next closest branch is at 1912 Mott
Avenue. The branch is open Monday through Friday from 9 a.m. to 5 p.m. and Saturday from 9 a.m. to 2 p.m. Eastern Time. Please
visit chase.com for a list of other ATM and branch locations near you.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED CONTENT].
We accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern
Time.
Sincerely,
Executive Office
New York-Newark, NY-NJ-CT-PA CSA Arverne By the Sea
2024 1/16/2024
Customer's father had an appt to add her and brother to his account at 9am. She had to get out of her house in a snow day and drive to pick
her 90 year old father to be on time for the appt, but bank was closed and she did not receive any communication.
JPMC representative called customer the with the banker and accommodate for client to come in on the same day, but at different
time and apologized.
2024 1/17/2024
Customer sent a email stated she was disappointed she had a 9:30 branch appointment and when she arrive the branch was close and the
system didn't send her a notification.
JPMC representative called customer to reschedule appoint and took care of her service request.
Hello, reaching out to the Chase executive team regarding customer service. I'm a long-time resident of West
Hollywood, CA, and have been puzzled by the local many branch closures over the last few years.
I've attempted to use the Chase customer service features on the customer service phone line, as well as through the
app, to get information about what sort of assessment is done prior to closing local branches. As a long-time member of
my community, I think it's important for voices to be heard on how these closures negatively impact the neighborhood.
Unfortunately, the Chase customer service features have resulted in numerous dead ends - with calls to the Customer
service line stating that "we do not have a department who makes decisions regarding this. There is no customer service
for this department." - This is from the manager with customer service who escalated the issue on January 9th, with no
response available since then.
I would love to better understand why local branches are closing, and to be able to connect with the parties making
these decisions to provide feedback. I would also like to understand where this request should be submitted in the
current customer service system - it is simply unacceptable for your customer service functions to be so broken.
2024
1/18/2024
Dear [REDACTED CONTENT]:
We are responding to your complaint about the closure of our branch locations in your neighborhood, your request to keep them
open, and the service you have experienced. You requested to speak with Jamie Dimon, Marianne Lake and our Investor Relations
group. We reviewed your complaint on their behalf. Thank you for sharing your concerns.
We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to provide you
with exceptional service, and we are sorry if we did not meet this goal.
We continue to invest in our branch network to deliver experiences and services our customers love.
We consolidate branches where we have overlap, or where we see an opportunity to combine two smaller branches into one larger
location so we can serve our customers more efficiently. This allows us to provide a strong, successful branch network that can serve
our community for the long-term. We’re the only major bank with significant investments in new branches, adding more than 650
over the last five years, and are the first and only bank to have branches in all lower 48 states. The majority of branch closures are
within two miles of the nearest branch.
We recognize our responsibility to provide access to banking products and services in the communities where we do business, with a
goal to meet the needs of our customers and community residents.
We operate in a rapidly evolving environment, including with respect to market developments, customer behavior, economics and
competition from both banks and non-banks. Given the variety of alternatives for delivering banking services, we constantly evaluate
our branch network to ensure we are managing the network for optimal productivity and cost effectiveness while balancing our
responsibilities to our customers and local communities.
Before any branch closing recommendation is made and approved, we consider a variety of factors including, but not limited to,
historical data on community traffic patterns, the branch's economic performance and potential, and presence of other nearby Chase
branches and competitor branches.
At least 90 days prior to the projected branch closing date, we provide notice of the planned branch closing to customers of the closing
branch. Within the letter, customers are provided contact information to direct additional comments or feedback to the Office of the
Comptroller of the Currency.
We have reviewed our interactions with you, and while we apologize if we did not meet your expectations, we did not find any errors
or opportunities during our interactions with you.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number [redacted]. We
accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
Los Angeles-Long Beach, CA CSA
2024 1/21/2024
Thank you so much for putting a branch here.
There's nothing and it caused me to open an account at a local branch as I can't travel 100s of miles
to reach a Chase branch. I'm hoping you'll open more in the area.
Blessings,
[REDACTED CONTENT]
JPMC representative called customer and thanked them for their feedback and informed them that we would submit to our team who
reviews branches for their awareness.
2024 2/7/2024
To Whom it may concern: Recently I discovered that your Chase Bank branch on Morthland in Valparaiso, Indiana has closed. I reside near
Winfield, In and there aren’t any branches conveniently close. Just an FYI that there is a vacant former bank building located on 107th and
Randolf St. , Crown Point, In near Winfield that would be a great location for a Chase Bank to open. In recent months there has been several
new homes/subdivisions built in those areas that might benefit from you opening a new Chase Branch. Thank you for your attention to this
email and hopefully you will also find it lucrative to consider opening a new branch in those areas Winfield area. Hopefully, [REDACTED
CONTENT]
JPMC representative called customer and thanked them for their feedback and confirmed which location in Valparaiso closed. Chicago-Naperville, IL-IN-WI CSA Heritage Valley
2024 2/5/2024 Customer emails complaint about a branch closure. JPMC representative called customer and advised that the branch was closed due to a power outage.
2024 2/6/2024
I just used the atm at the Bradley beach location. The card opening device was not working for this location and employees were in side. I just
needed to use the atm they were of no assistance then on top of it the atm stopped working just after .. maybe out of money. But kind of
ridiculous situation when you have a full staff in the building. I left them a little note about my feelings towards them also but what a joke
thats how you train them?
JPMC representative contacted the customer and thanked them for sharing details and advised that they would share their recent
experience internally.
New York-Newark-Jersey City, NY-NJ-
PA MSA
Bradley Beach
2024 2/7/2024
Chase branch on Sandpoint Way, Seattle, rented safety deposit boxes. We rented one from the Sandpoint Way
branch, paid for a year in advance, 12/12/22 through 12/12/23. Chase recently closed this branch and required
all safe deposit boxes to be emptied and closed before the branch closure. We closed ours as directed, 8/30/23.
We asked for a prorated refund for the rental fee, as Chase chose not to offer the service and required the
closure, and we would have to rent a box elsewhere.
Since then, I have had numerous calls with Chase representatives, making little progress on the refund. While
the money is not a lot, it seems unethical to have taken our money and then stopped the service, without
providing a prorated refund. The latest from a Chase representative today is that they are working on a process
for safety deposit boxes and won't have any resolution until the end of Q2 2024. Moreover, they are closing my
issue report and I will have to call back to reopen it in June to hear of any resolution. That will be ten months
since we had to close our safety box. This seems unreasonable.
I read on a neighborhood blog that another person with a safety deposit box at Chase Sandpoint Way was able
to get a refund eventually and that this issue may have been reported to you (attorney general's office) earlier. I
would value any help you can provide to make Chase accountable for the prorated refund. Thank you.
Dear [REDACTED CONTENT]:
We are responding to your complaint about the closure of your Safe Deposit Box (SDB), your request for a refund of your renewal fee,
and your dissatisfaction with the service experienced. Thank you for sharing
your concerns.
We previously responded to your concerns with our phone calls on October 30, 2023, November 9, 2023, and January 25, 2024. While
we regret that you are still dissatisfied with our responses, our position has not changed.
We reviewed our interactions with you, and the renewal fee for your SDB at the Laurelhurst branch. We confirmed you paid the
annual rental fee of $55, on December 13, 2022. The branch was subject to closure. We confirmed we have properly escalated your
concerns to find a solution.
As previously stated, a review was put in place to refund the customers that had to close their SDB due to our branch closing. This is
taking time because it is an issue affecting multiple customers. We expect to complete the review and issue the refunds by end of the
second quarter of this year.
We appreciate your patience and apologize for the inconvenience this is causing you. We believe our services and decisions have been
accurate, following agreements, and made in good faith.
We cannot comment about other customers and their possible similar experiences as every situation is particular to the individuals
involved.
Thank you for banking with us. If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED
CONTENT]. We accept operator relay calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6
p.m. Eastern Time.
Sincerely,
Executive Office
Seattle-Tacoma, WA CSA Laurelhurst
2024 2/7/2024 Customer email stated that they are sad that they are closing our branch after 50 years. JPMC representative called customer and let them know that it is only a temporary closure until the new branch is built.
2024 2/12/2024
Customer email stated: Thanks for the heads up about your branch being closed!!! How very inconsiderate!!! [REDACTED CONTENT] N/A
2024 2/13/2024 Customer stated that they still have not received refund for safe deposit box payment after branch closed.
JPMC representative contacted the customer and thanked them for their feedback and updated them on the status of partial rent
refunds.
2024 2/13/2024
Client stated that they paid the annual fee of $85 in October of 2023 at the Alderwood Branch which closed shortly after. She was told there
would be a prorated refund for all clients who paid for their year; however, she never received her refund.
JPMC representative contacted the customer and advised them of the pro-rates fee refund process and this information will be sent to
the banker.
Seattle-Tacoma-Bellevue, WA MSA Alderwood
2024 2/27/2024
To Whom It May Concern:
This letter will serve as a formal complaint in which your office used predatory Credit
Card/Lending Practices in reference to the above account.
[REDACTED CONTENT] is an elementary school teacher with no assets and no savings.
Your office provided a credit limit of $21,800 with no credit check and no personal financial information to review prior to approving the
credit limit. These predatory lending practices target poor credit, low income, and very high interest rates.
The attached statement dated December 26, 2023, to January 25, 2024, states that she will pay off the balance in 29 years with a total cost of
$77040.
Based on the information contained herein, I respectfully request to speak with your legal department to come to a resolution with respect to
the balance due.
Yours truly,
[REDACTED CONTENT]
JPMC representative contacted the customer and advised that no bank errors were found because the customer accepted the terms
and conditions of the cardmemeber agreement during the application process.
2024 2/29/2024
DEAR CHASE CEO JAMIE DIMON
WE THE JEFFERSON PARK COMMUNITY CALLS ON YOU TO REOPEN THE ELSTON BANK BRANCH BACK OPEN.
THAT BANK WAS NOT ONLY JOB OPPORTUNITIES BUT A OUTREACH TO THE WORKING POOR, PEOPLE WITH DISABILITIES WHO CAN’T AFFORD
BUY EXPENSIVE COMPUTERS, OPERATE ONE. ALSO TOO.
PLEASE RECONSIDER.
OUR COMMUNITY HERE IN JEFFERSON PARK CHICAGO NORTHWEST. VERY CONVENE. YOU ARE CLOSING DOWN TOO MANY CHASE BANKS.
SINCERELY YOURS,
[REDACTED CONTENT]
JPMC representative contacted the customer and advised that there are several branch locations within the vicinity to where that
branch was and thanked them for their comments.
Chicago-Naperville-Elgin, IL-IN-WI
MSA
Elston and Laramie
2024 3/3/2024
Hey @Chase do your ATMs in Manhattan break down as often as the ones on East Burnside Avenue in the Bronx? Ever since this branch
opened machines are consistently out of order with a line of people stretching outside. No reason for this community to have to deal with
that.
N/A
New York-Newark-Jersey City, NY-NJ-
PA MSA
Burnside Ave
2024 3/4/2024
Customer was hoping that there would be a Chase branch opened closer to him by now, but there isn't so he wants to close his account due
to inconvenience.
JPMC representative assisted customer in closing his account and told him they will let him know in the future if a branch will be
opening closer to home for him.
2024 3/9/2024 chase about to make me switch back to bankofamerica It's always some [explective] broke or closed.. N/A
2024 3/9/2024
Smooth move chase. Greenwood SR 135 branch closed so no atm. Stop 11 and 135 branch atm removed. All the way to us 31 and county line
to get cash? 10 miles? Seriously?? 30+year customer not happy. Figure it out please.
Hello thank you for reaching out. We understand your concern about your local branch and we're here to provide support. It appears
the branch located at SR 135 is temporarily closed and we currently do not have a timeframe of when it will be re-opened. You can
visit https://spr.ly/6189X4gh3 to see updated information about your local Chase branch. This will be shared accordingly as customer
feedback which allows us to improve our services in the future.
Indianapolis-Carmel-Anderson, IN
MSA
White River
2024 3/14/2024
The bank I was going to was closed (close to Gunhill Road and Burke Ave). It is iust not safe travelinq such a long distance. Open a bank close
by on Gunhill even if it not Chase.
Dear [REDACTED CONTENT]:
We are responding to your concerns about your local branch closing, and your request for us to open a branch close to your home.
Thank you for sharing your concerns.
We appreciate the feedback you have provided. Although, we have made the decision to close your local branch, the next closest
branch to you is at 1650 East Gun Hill Road, Bronx, NY 10469. The days and hours of operation are Monday through Friday from 9:00
a.m. until 5:00 p.m., Saturday from 9:00 a.m. until 2:00 p.m., and closed on Sunday.
Please visit chase.com for a list of other ATM and branch locations near you. We apologize for any inconvenience.
If you have questions, please call us at 1-877-805-8049 and reference case number [REDACTED CONTENT]. We accept operator relay
calls. We’re here Monday through Friday from 8 a.m. to 9 p.m. and Saturday from 9 a.m. to 6 p.m. Eastern Time.
Sincerely,
Executive Office
New York-Newark-Jersey City, NY-NJ-
PA MSA
Gun Hill
2024 3/23/2024
Just fyi, this is my feedback on recent Chase website survey i completed recently on how Chase can improve itself: The retail branch located in
my city ie west Alameda, CA does not open on Saturdays which is very unusual and not acceptable. Perhaps the branch can close on Tues
instead of Sats. And your interest rate on both checking and savings accounts are too low compared to other banks. And the Billpay feature
does not allow send confirm email w/details on each batch payment nor show historical payments by vendors.
JPMC representative helped client submitted his feedback on the Help & Feedback link.
San Francisco-Oakland-Berkeley, CA
MSA
Stargell Ave and Webster St
*Note: Portions of correspondence may be redacted to protect customer privacy
CRA Public File Comments Received via Social Media Last Updated March 31, 2024
JPMorgan Chase Bank N.A.
Year Comment Source
Comment Received
Date
Comment*
AA
(If known)
Branch
(If known)
2024 TWITTER 1/19/2024
Excuse the language but it's appropriate here. @Chase has grown to be the largest by doing many things well but as a consumer bank they are
absolute [explective]. It is clear they build branches & play in that space as a CRA req only.
2024 FACEBOOK 1/19/2024
I live in Scotch Plains Nj. The branch is closed. And so is the Plainfield branch. Customer service was useless in trying to find an open branch. Is Chase
closing down?
New York-Newark, NY-NJ-CT-PA
CSA
2024 INSTAGRAM 2/10/2024
Celebrating with eden_housing CEO Linda Mandolini, thecityofsanrafael City Manager Cristine Alilovich, vivalonmarin CEO Anne Grey, San Rafael
Councilmember rkertz and SR DPW Director April Miller the grand opening of the Vivalon Healthy Aging Campus which has 67 low-income affordable
units as well as critical support services, including medical facilities, community programs and a lunch café open to all older adults in Marin. This
visionary facility was made possible by many agencies and individuals including the City of San Rafael, Housing Trust Silicon Valley, chase Community
Development Banking, marincountygov marincommunityfdn senmikemcguire marinhousingauthority #buildingcommunity #communitypartners
#partnersinhousing #housingourneighbors
San Jose-San Francisco-Oakland,
CA CSA
2024 LINKEDIN 2/16/2024
Chase's Massive Expansion: Over 500 New Branches and 3,500 Jobs
"When we open a branch, we’re not only investing in the financial health of residents, we’re committed to the health and vitality of the entire
community." - Marianne Lake, CEO at Consumer & Community Banking
"Every day approximately 900,000 people walk into a Chase branch to cash a check, make a deposit or speak to one of our experts about an
important financial decision that could impact their lives." - Jennifer Roberts, CEO at Chase Consumer Banking
"We want customers to feel welcomed when they walk through the door. Our Community Centers are specifically designed to change that." - Diedra
Porché, Head of Chase Community and Business Development at JPMorgan Chase & Co.
#hiring #expansion #SoFNews
Read our take and check out the key highlights �
2024 TWITTER 2/19/2024
.@Chase can spend $3 Billion dollars on a new skyscraper in Manhattan. They can pay their CEO Jamie Dimon $36 million a year. But when it comes
to their customers, they can’t afford to keep their locations clean, or free of junkies putting said customers in danger! pic.twitter.com/sbunv1zPQv
2024
FACEBOOK
2/27/2024
Here we go again, Part 2, and, NO WAY WOULD CHASE EVER CONSIDER SKIMMING, INFLATING, PADDING, FLUFFING UP, AND EXAGGERATING THEIR
PAYOFF/REINSTATEMENT NUMBERS SENT TO THE FEDERAL HOMEOWNERS ASSISTANCE PROGRAM CALLED HAF (HOMEOWNERS ASSISTANCE FUND
PROGRAM) OR ITS SUBSIDIARY, PAHAF (PENNSYLVANIA HOMEOWNERS ASSISTANCE FUND PROGRAM) WORTH $9.9611 BILLION DOLLARS IN
HOMEOWNERS ASSISTANCE AID IN ORDER TO DEFRAUD THE FEDERAL GOVERNMENT, THE UNITED STATES TREASURY, AND, BY ASSOCIATION, ALL
OF THE HONEST HARD-WORKING UNITED STATES TAXPAYERS BY FORCING THE HAF PROGRAM ADMINISTRATORS TO PAY THEIR FALSELY INFLATED,
FRAUDULENT, AND PHONY SO-CALLED "CORPORATE ADVANCES' LIKE WHAT COULD HAVE HAPPENED TO ME, ALL FALSE, FABRICATED, AND
FICTITIOUS PAYOFF NUMBERS, WOULD CHASE? BUT, FOLKS, JUST THINK ABOUT IT! HERE WE HAVE A COVID-19 PROGRAM FUNDED BY THE UNITED
STATES TREASURY WORTH $9,961,100,000.00 (THAT'S WITH A "B") AND DO YOU THINK THAT JPMORGAN CHASE BANK MAY BE THE ONLY CULPRIT
THAT'S DIPPING IN OUR POCKETS BY CONNING, SCAMMING AND HOODWINKING ALL THE U.S. TAXPAYERS IN THIS MASSIVE PROGRAM, THEN,
FOLKS, A FOOL IS SOON PARTED WITH HIS/HER MONEY, SOMEONE ONCE SAID.
AND, AS JOE BIDEN WOULD SAY, "C'MON, MAN! THAT'S MALARKEY!!!"
NO, CHASE WOULDN'T DO THIS, AND NO, NOT WELLS FARGO, NOT CAPITAL ONE, NOT TRUIST BANK (FORMERLY BB&T BANK), NOT PNC BANK, NOT
SUTTON BANK, NO, OF COURSE NOT, BECAUSE WHILE THREATENING TO FORECLOSE ON ALL OF THE STRUGGLING HOMEOWNERS HOMES WHO
APPLIED FOR HAF HOMEOWNERS ASSISTANCE THAT THEY MUST AGREE WITH THE FALSE, PHONY, AND FICTITIOUS PAYOFF NUMBERS, OR ELSE
CHASE WILL AGGRESSIVELY FORECLOSE ON ALL THEIR HOMES, NOT CHASE; NO, NOT CHASE., NO. NOT U.S. BANKS BECAUSE U.S. BANKS CANNOT BE
THAT MORALLY REPREHENSIBLE; OR COULD THEY, BUT WAIT . . .
...AND IF THOSE POOR HOMEOWNERS DON'T AGREE TO THE FRAUD, PILFERING, AND SCAMMING CONDUCTED BY CHASE, AS WHAT COULD HAVE
HAPPENED TO ME, BUT CHASE WOULD NEVER CONSIDER SUCH A THING AS INFLICTING SO MUCH PAIN, HARM, AND SUFFERING UPON THE
AMERICAN HOMEOWNERS, PARTICULARLY AFTER THOSE HOMEOWNERS HAD ALREADY SUFFERED IMMENSELY AND PLENTY FROM A COVID-19
GLOBAL PANDEMIC, NOW, WOULD THEY?
. . . BECAUSE THOSE HAF APPLICANTS WHO HAD SUFFERED DURING THE COVID-19 GLOBAL PANDEMIC AND NATIONAL EMERGENCY, SUCH AS I DID,
PARTICULARLY IF YOU ARE AN ELDERLY HAF APPLICANT, CHASE WOULD FORCE YOU ONTO THE STREETS AND BOOT YOU TO THE CURB AFTER YOU
LIVED IN THE SAME HOUSE FOR 27 YEARS, SUCH AS I HAVE, IF YOU DON'T AGREE WITH CHASE'S FALSE PAYOFF NUMBERS BY INFLATING THEIR SO
FRIENDLY-SOUNDING 'CORPORATE ADVANCES' AND THEN DISGUISE FAKE, FRAUDULENT, AND FABRICATED FEES, CHARGES AND EXPENSES UNDER
THAT CATEGORY, NAH, NEVER; NOT CHASE...NO, NOT WELLS FARGO, NO NOT TRUIST, NO, NO NOT IN THE UNITED STATES, . . . BUT WAIT, THERE'S
MORE, . . .
. . . AND THEN EXPECTING THE UNITED STATES TREASURY TO PAY FOR THOSE PHONY CHARGES ON BEHALF OF THE HAF APPLICANTS WHO WERE
THE HOMEOWNERS WHO HAD ALREADY SUFFERED PLENTY FROM THE COVID-19 PANDEMIC, A GOVERNMENT PROGRAM THAT IS STILL ONGOING
THROUGH AT LEAST CALENDAR YEAR 2024, WHILE CHASE CONTINUES TO DEFRAUD, BAMBOOZLE, AND CON Y'ALL, WOULD THEY?
. . . BECAUSE CHASE ARE THE FINEST FOLKS ON THE PLANET. AND CHASE DOESN'T DISCRIMINATE AGAINST THE ELDERLY BECAUSE THAT WOULD BE
NOT JUST BE HIGHLY IMMORAL, THAT WOULD ALSO BE ILLEGAL, A BIG NO-NO FOR CHASE, SO BECAUSE IT IS ILLEGAL TO DISCRIMINATE AGAINST
THE ELDERLY, SUCH AS I AM, CHASE WOULD NEVER CONSIDER SUCH A THING, WOULD CHASE?
WELL, IF YOU BELIEVE THAT, I HAVE SOME FINE REAL ESTATE FOR SALE IN THE DEEPEST PART OF THE EVERGLADES IN THE FINE STATE OF FLORIDA,
BECAUSE, LOOK WHAT CHASE HAS BEEN UP TO WHILE YOU WEREN'T PAYING ATTENTION, BECAUSE CHASE ISN'T QUITE AS SQUEAKY CLEAN AS
Y'ALL MAY HAVE THOUGHT, TO WIT:
RE:QUOTE:
"JPMorgan reaches $290 million settlement with Jeffrey Epstein victims | CNN BusinessJPMorgan Chase, the nation’s largest bank, agreed to pay a
then-record $13 billion fine to federal and state authorities in order to settle claims that it had misled investors JPMorgan CEO to be deposed over
bank’s relation with Jeffrey Epstein | Jeffrey Epstein | The Guardian In May 2023, Jamie Dimon testified under oath in connection with two lawsuits
filed against JPMorgan Chase. The plaintiffs accused the bank of serving the late sex offender Jeffrey Epstein."
AND, FACT, TO WIT, QUOTE
"After JPMorgan Chase Admits to Its 4th and 5th Felony Charge, Its Board Gives a $50 Million Bonus to Its CEO, Jamie Dimon
(wallstreetonparade.com)",
AND FACT,TO WIT, QUOTE
How is a corrupt criminal like Jamie Dimon, not in prison for fraud? | by Blair Erickson | Medium AND FACT, TOW WIT, QUOTE ; 3-Count Felon,
JPMorgan Chase, Caught Laundering More Dirty Money - CounterPunch.org "
AND THIS BEGS THE QUESTION, WHY DOESN'T THE UNITED STATES TAKE A PAGE OUT OF THE PLAYBOOK OF SOME OTHER NATIONS WHERE 'BAD
BANKERS' GO TO PRISON, SUCH AS THIS FINE PLACE, FACT, TO WIT, QUOTE
: Welcome to Iceland, Where Bad Bankers Go to Prison - Bloomberg
WILL JPMORGAN CHASE BANK EVER BE AN HONEST BANK? WELL, I DON'T THINK SO, AS THEY FORCE ME OUT INTO THE STREETS, AN ELDERLY
HOMEOWNER FROM PENNSYLVANIA WHO HAS RESIDED IN THE SAME HOME FOR 27 YEARS BECAUSE I DON'T AGREE TO THEIR FRAUDULENT,
ILLICIT, AND UNLAWFUL CONDUCT IN THEIR BEHAVIOR OF DEFRAUDING, HOODWINKING, AND DECEIVING THE HONEST HARDWORKING UNITED
STATES TAXPAYERS.
WHO'S WITH ME TO GO TO MANHATTAN, NEW YORK CITY, TO WITNESS THE SO CALLED 'PERP WALK' WHEN THE PLETHORA OF CHASE EXECUTIVES
PERFORM THEMSELVES JUST LIKE THEIR CROOKED NEIGHBORS OF CHASE RIGHT NEXT DOOR IN NEW YORK CITY, THE ONES WHO PERFORMED THE
'PERP WALK' JUST TWO WEEKS AGO, RE:
70 New York City housing employees charged in largest single-day bribery bust in DOJ history (msn.com)
SO, IF YOU DON'T BELIEVE THAT THE U.S. SO-CALLED 'BIG FOUR' BANKS ARE NOT COMPLICIT IN SCAMMING THE UNITED STATES TREASURY OF TENS
OF MILLIONS OF DOLLARS THROUGH THE NATIONWIDE AND BEYOND HAF PROGRAM BY USING THE 50 + NATIONWIDE INDIVIDUAL HAF PROGRAMS
AS UNSUSPECTING, OR SUSPECTING 'CONDUITS' TO LAUNDER, PILFER, AND SKIM WHAT MAY BE AN EPIC, HISTORIC, AND RECORD-BREAKING
CRIMINAL ENTERPRISE-LIKE SCAM, CONDUCTED BY THE 'BIG BANKS' IN ABSOLUTE COLLUSION AND A SCAM SO HUMONGOUS THAT IT WOULD
MAKE THAT NEW YORK CITY RECORD-BREAKING HOUSING AUTHORITY SCAM LOOK LIKE 'SMALL POTATOES' IN COMPARISON, THEN YOU HAVE
ANOTHER THING COMING, AND HERE'S WHY "Chase, you're picking on the wrong Americans!"
And Capital One Bank N.A. says - "Why is he using ALL CAPITALS?"
2024 TWITTER 2/29/2024
ITS A SCAM so life in America is for the greedy, hell bound, uber rich and certainly not hardworking families trying to get out of debt @Chase
despicable how you treat customers and keep people in poverty, shame on you! 2/2
2024 TWITTER 3/13/2024
Very exciting interview with Jamie Dimon. Our partners at @jpmorgan @Chase are making a permanent commitment to advancing #RacialEquity
through #SupplierDiversity, #AffordableHousing and more. @IndyRecorder indianapolisrecorder.com/executive-conv…
Indianapolis-Carmel-Anderson, IN
MSA
2024 INSTAGRAM 3/26/2024
#financialliteracy for #younglearners #studentassembly middlesexcharter chase #community 🌟 A Huge Shoutout to Mr. Rodriguez from Chase
Bank! 🌟
Yesterday, our 3rd graders had the privilege of learning about money and budgeting, thanks to Mr. Rodriguez from Chase Bank! His engaging lesson
covered understanding the difference between needs and wants and smart budget allocation. 🏦💡
We truly appreciate Mr. Rodriguez taking the time to visit and impart such valuable knowledge. It was an eye-opener for many and sparked great
conversations among our young learners about financial responsibility. 👧👦💭
A big round of applause also goes to our fantastic teachers who played a crucial role in guiding the students through the activities, ensuring the
lessons learned were both fun and meaningful. 👩�🏫👨�🏫🍏
Thank you, Mr. Rodriguez and our dedicated teachers, for making a real difference in our students’ education! 🌈📚
#financialliteracy #educationmatters #thankyou #chasebank #learningisfun
New York-Newark-Jersey City, NY-
NJ-PA MSA
2024 FACEBOOK 3/28/2024
There's a whole file with your bank where we tried getting a refinance of ten years, instead we were given a mortgage modification adding an
additional 100000 to the loan. If Chase would of worked with us back in 2011 the house would have been paid for. Instead they told us no programs
were available. It's predatory lending the way we've been treated with this bank
*Note: Special characters and emojis may be edited to improve accessibility
