Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Here 's the final version with XXXX included : In XX/XX/XXXX, I made XXXX payments of {$2300.00} each ( totaling {$6900.00} ) from my debit account at Chase Bank toward my car loan with XXXX XXXX XXXX XXXX. These payments were successfully debited from my bank account. However, XXXX XXXX XXXX XXXX never posted or applied these payments to my car loan balance. When I discovered the payments had not been applied to my loan, I filed a dispute with Chase Bank. The dispute was initially resolved in my favor, and all three charges were reversed on XX/XX/XXXX. However, the bank has now reposted XXXX of the XXXX charges as pending transactions, totaling {$4600.00}. Notably, Chase approved the dispute on XXXX of the XXXX identical transactions but denied the other XXXX despite all three being the same type of payment, to the same merchant, with the same issue. None of the XXXX payments were ever applied to my car loan. Chase has not explained why XXXX transaction was valid for dispute but the other XXXX were not. On XX/XX/XXXX, I called Chase Bank to address the reposted charges. After speaking with multiple representatives and a supervisor named XXXX in the claims department, I was told repeatedly that there was nothing they could do because the claim has been denied due to XXXX 's XXXX chargeback timeframe. XXXX confirmed the claim was processed under Regulation XXXX, but then cited a timeframe limitation as the reason for denial. When I pointed out that XXXX 's chargeback timeframe and Regulation XXXX are XXXX separate processes with different rules, XXXX denied that they were different and maintained there was nothing further the bank could do. I believe this is an erroneous electronic fund transfer under Regulation XXXX ( XXXX XXXX XXXX ). The bank has an obligation to investigate errors regardless of XXXX 's chargeback window. Regulation XXXX does not impose a XXXX limit on the bank 's obligation to investigate and resolve errors. XXXX 's conflation of XXXX 's card network rules with federal Regulation XXXX protections suggests my claim was not properly evaluated under the correct legal framework. My concerns are as follows : The payments were debited from my account but were never received or credited by XXXX XXXX XXXX XXXX. The money is unaccounted for. Chase Bank initially resolved the dispute in my favor, then reversed the decision and reposted the charges without adequate written notice as required under Regulation XXXX. Chase Bank cited XXXX 's XXXX timeframe as the sole reason for denial and repeatedly stated there was nothing they could do, despite this being a Regulation XXXX matter. When I informed supervisor XXXX that XXXX 's chargeback rules and Regulation XXXX are separate processes, she denied that they were different raising serious concerns about whether my claim was properly evaluated under the correct federal regulations. Chase approved XXXX of XXXX identical disputes but denied the other XXXX with no explanation for the inconsistency. I was not provided with a written explanation of the denial or copies of documentation the merchant XXXX have submitted to challenge my dispute. XXXX XXXX XXXX XXXX has no record of receiving these payments, which means neither the bank nor the merchant can account for my funds. I am requesting that Chase Bank reverse the XXXX reposted charges totaling {$4600.00}, properly investigate this matter under Regulation XXXX, and provide me with the written documentation to which I am entitled under federal law. I have bank statements confirming the debits and can obtain a payment history from XXXX XXXX XXXX XXXX confirming the payments were never applied.

Company response to consumer: Closed with explanation