Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This supplemental complaint concerns JPMorgan Chase Bank, N.A.s issuance of a billing statement demanding payment for disputed balances while Chase simultaneously represents to the CFPB that the underlying disputes remain under active investigation. Issuing a demand for payment under these circumstances is improper, coercive, and incompatible with a lawful dispute process.

From the outset of this matter, the consumers disputes have been handled by Chases Executive Office, reflecting the seriousness of the issues raised. Despite Executive Office involvement from day one, Chase has repeatedly issued contradictory representationsasserting at various times that disputes were resolved, that investigations were ongoing, and that payment was duepositions that can not all be true at the same time. 

Since the first CFPB filing on XX/XX/year>, Chase has reversed provisional credits and rebilled disputed transactions totaling approximately {$91000.00}. These reversals culminated in the issuance of billing statements demanding payment while Chase continued to acknowledge that investigations were still ongoing and incomplete. 

The disputed transactions span multiple merchants. Chases failures are systemic and not limited to any single merchant. Chase failed to open disputes for all disputed transactions and failed to conduct lawful investigations across the full universe of merchants and charges at issue. Instead, Chase selectively opened only a portion of disputed cases, leaving a substantial number unacknowledged and uninvestigated. 

From XX/XX/year> to the present, Chase has issued numerous letters alleging that disputed transactions were valid, including after being placed on notice of ongoing consumer harm. These validity determinations were issued despite Chases failure to timely open and investigate all disputed transactions. 

Chases own actions confirm that no complete or lawful investigation existed when payment was demanded. Only approximately 20 % of disputed cases were initially opened, and hundreds of additional disputes were not opened until days 33 and 34 after the first CFPB filingwell beyond the required acknowledgment period. Nevertheless, Chase proceeded to rebill disputed amounts and demand payment.

Despite repeated notice of ongoing consumer harm, Chase has continued to issue billing statements demanding payment, furnish credit reporting reflecting inflated balances and utilization, and maintain adverse account status. Each day the disputed balances remain reported, the consumers credit continues to deteriorate. To date, this has resulted in a cumulative 29-point decline in the consumers credit score, with harm continuing daily.

The consumer is not, and has never been, in settlement discussions with any merchant. The consumer did not solicit merchant contact and will not entertain settlement discussions. Responsibility for dispute investigation, billing accuracy, and credit reporting rests solely with Chase as the card issuer.

Chase has been repeatedly placed on noticethrough CFPB complaints handled by its Executive Office and direct communicationsof ongoing consumer harm. Rather than halt adverse actions, Chase has continued and escalated retaliatory conduct, including rebilling, demands for payment, adverse credit reporting, and account actions, compounding harm while investigations remain unresolved.

Company response to consumer: Closed with explanation