Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX and this is a formal complaint about chase checking account practices. have been a loyal Chase customer for over XXXX  years. Throughout my time with Chase, I have filed a handful of disputes. Unfortunately, in every instance, Chase has immediately sided with the merchant, disregarding the evidence and documentation I provided. 

Incident XXXX : XXXX XXXX in Hawaii Recently, I encountered a significant issue with a XXXX hotel in Hawaii. The hotel charged my account over XXXX times with different amounts, causing my account to go into overdraft due to multiple reversals and recharges. This resulted in me being charged more than the agreed amount. Despite providing Chase with all the necessary documentation, including confirmation from the hotel acknowledging their errors, Chase still sided with the hotel. 
I also will attach the invoice from the hotel clearly showing they overcharged me and the amount listed should add up to XXXX $ less than what they charged. 

When I called Chase to follow up, the representative informed me that Chase does not cover hotel disputes which is false after reading the policy, it clearly states overcharge or dissatisfaction of the service of hotels is covered. I voiced my concern and the representative shockingly responded, " then walk into a branch and close your account. '' I filed a formal complaint regarding this unprofessional behavior, but I never received a response from Chase. 

Incident XXXX : XXXX  XXXX XXXX More recently, a XXXX  institute charged my account XXXX times with an amount I had not agreed to. Chase concluded that I was right and returned the amounts charged. After XXXX  months chase sent me a letter after the dispute resolution stating theyll take the amount back out because they came to change their minds. Despite providing proof of the incorrect charges, Chase still withdrew the disputed amount from my account. This is incredibly frustrating, especially after reading Chase 's policies which clearly state they should cover such disputes. It is evident that the representative lied to me, and I have no safety or protection when merchants fraudulently charge my account. 

**Overdraft Fees** Additionally, Chase has charged me hundreds of dollars in overdraft fees, sometimes charging me over XXXX times in XXXX day, which amounts to {$34.00} each time. These excessive fees have made it difficult for me to bring my account current, further exacerbating my financial situation. 

I am extremely disappointed with Chase 's dispute resolution process and the lack of professionalism and support from their representatives. It appears that Chase prioritizes merchants over their loyal customers, leaving us vulnerable to fraudulent charges. 

I seek your assistance in addressing these unfair practices and ensuring that Chase implements a fair and transparent dispute resolution process. I am also requesting that Chase reviews and addresses my disputes and the behavior of their representatives appropriately. 

Thank you for your attention to this matter.