Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Chase Bank regarding its handling of an unauthorized transaction dispute. 

On XX/XX/year>, a charge of {$72.00} was debited from my account for a XXXX subscription that I did not authorize, create, or benefit from. Upon noticing this transaction, I immediately contacted Chase to report it as fraudulent and unauthorized. Despite my clear explanation that I did not consent to or use this subscription, Chase has denied my claim, citing the merchants ( XXXX XXXX assertion that the service was utilized. 

Key Points of Concern : 1. Unauthorized Charge : I did not provide my account information or consent to this subscription. I have never accessed or used the associated service. 
2. Failure to Provide Refund : As per the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I expected Chase to protect me as a customer against unauthorized electronic transfers. Despite reporting the fraud in good faith, Chase refused to reimburse me. 
XXXX. Inability to Resolve Directly with the Merchant : XXXX XXXX not provide a direct line of communication for unauthorized subscription issues. Without access to the account where the subscription resides ( since I did not create it ), I am unable to cancel or request a refund directly from the merchant. 
XXXX. Insufficient Evidence from the Merchant : Chase has claimed that the merchant provided evidence that I benefited from the subscription. However, I firmly dispute this conclusion. No evidence has been shared with me, and I reiterate that I did not authorize or use this service.

Impact of the Situation : I am a senior citizen who relies on financial institutions to act with integrity and protect my rights as a customer. This decision by Chase has caused undue stress and financial harm. As a long-time customer, I am deeply disappointed by the banks lack of support in addressing this clear case of fraud. 

Requested Resolution : I am requesting the CFPB to review this matter and compel Chase Bank to : 1. Reevaluate their decision and refund the unauthorized transaction of {$72.00}.

2. Provide a clear explanation of how they reached their conclusion.

3. Uphold their duty to protect customers from unauthorized transactions under the law.

This situation has been frustrating and disheartening, and I hope the CFPB can assist in ensuring that my rights are respected and my financial loss is rectified.

I am deeply shocked and disheartened by Chase Banks decision to deny my claim, based on the assertion that the merchant has provided indisputable evidence that I used the service in question. I categorically refute this claim. I did not authorize, create, or use this subscription in any way. From the very beginning, I reported this transaction to Chase as unauthorized and fraudulent, expecting the bank to protect my rights as a customer. 

I find it incomprehensible that such evidence could exist when I have never accessed or benefited from the service. How can a charge I did not authorize be deemed valid, especially when I have consistently and clearly stated that I have no involvement with this subscription? 

Furthermore, I have exhausted all means to address this with the merchant directly, but I have been met with complete inaccessibility. XXXX XXXX not provide a direct line of communication, and their automated systems have made it impossible for me to locate or cancel the subscription, as I did not create the account associated with it. 

It is unacceptable that Chase would take the merchants word over mine, especially when I have provided all the necessary information to demonstrate that this transaction was unauthorized. I am a senior citizen on a limited income, and this charge represents a significant financial burden. I rely on my bank to protect me in such situations, and the failure to do so has left me feeling unprotected and vulnerable.

I respectfully request that Chase reconsider its decision and thoroughly investigate this matter. The denial of my claim based on unverifiable or inaccurate information is a grave injustice, and I ask for the full refund of {$72.00} to resolve this issue fairly. My trust in the system depends on this being handled with integrity. 

Thank you for your attention to this matter!!!! 

Sincerely, XXXX XXXX