<?
$array1 = array('A', 'B', '$', 'C', 'D', 'E', '%', 'F', 'G', 'H', 'I', '&', 'J');
    $array2  = array('$', '%', '&');
    $final_arrays = array();
    $curr_array = 0;

    foreach ($array1 as $char) {
        
        

        if (!in_array($char, $array2)) {
            
            $final_arrays[$curr_array][] = $char;
        
        } else {

            $curr_array++;
        }
    }

    print_r($final_arrays);

Array
(
    [0] => Array
        (
            [0] => A
            [1] => B
        )

    [1] => Array
        (
            [0] => C
            [1] => D
            [2] => E
        )

    [2] => Array
        (
            [0] => F
            [1] => G
            [2] => H
            [3] => I
        )

    [3] => Array
        (
            [0] => J
        )

)