Consumer complaint received 2026-05-18 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: CA

Complaint narrative:
This complaint involves Merchant Identity Theft 18 USC 1028A + Mail Fraud 18 USC 1341 by unregistered XXXX XXXX XXXX XXXXXXXX. I dispute 4 charges of {$670.00} each from XXXX XXXX XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total {$2700.00}. Chase denied all 4 disputes. Chase approved only 1 dispute for {$280.00}. EVIDENCE OF VOID CONTRACT + ILLEGAL MERCHANT : 1. Contract Page 1 : Merchant is " XXXX XXXX XXXX, XXXX '' XXXX FL, not XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX mail XX/XX/XXXX : TB NOT registered XXXX XXXX XXXX XXXXXXXX. Contract XXXX XXXX XXXX per CA BPC 17550.15. All monthly payments illegal. 3. Chase Letter XX/XX/XXXX : Chase states " We contacted XXXX XXXX XXXX '' but contract Page 10 proves authorization was to XXXX XXXX XXXX XXXX. Chase investigated wrong 3. entity on all 4 denied disputes, violating Reg E 12 CFR 1005.11 ( e ). Approving 1 charge and denying 4 identical charges proves inconsistent investigation. EVIDENCE OF XXXX XXXX + MAIL FRAUD : 4. Website tbtravel.club XX/XX/XXXXXXXX XXXX XXXX states " All correspondence shall be sent to '' XXXX address. No phone, no email, only contact form. XXXX. Consumer testimony : I called XXXX. XXXX representative stated I was NOT registered in their system and transferred me to XXXX XXXX. XXXX. XXXX Memberships staff confirmed XXXX address " is only to receive mail. '' 7. Certified Mail sent to XXXX XXXX XXXX XXXX XXXX was never answered or returned, proving use of USPS to defraud per 18 USC 1341. EVIDENCE OF AGGRAVATED IDENTITY THEFT : XXXX. Contract Pages 12-15 : XXXX illegally stores copies of 2 California Driver Licenses plus 3 full credit card numbers including CVV codes, violating PCI DSS and 18 USC 1028A . TB has no legitimate business purpose to possess CA IDs. EVIDENCE OF RETALIATION + OBSTRUCTION : XXXX. XXXX XXXX froze my account after I provided XXXX XXXX proof that XXXX is illegal, violating FDCPA 15 USC 1692e ( 8 ) and 18 USC 1512 obstruction of justice. LEGAL CONCLUSION : XXXX XXXX XXXX is a XXXX XXXX and mail drop using USPS to bill consumers it denies exist, while illegally storing California IDs. No mutual consent exists. Contract is void. Chase processed payments to a criminal enterprise, denied 4 valid disputes after investigating wrong merchant, and approved 1 identical dispute, proving arbitrary investigation failure. RELIEF SOUGHT : Full reversal of 4 denied charges {$2700.00} + interest. XXXX XXXX XXXX XXXX and XXXX XXXX to XXXX for XXXX + Mail ADDITIONAL EVIDENCE - XXXXXXXX XXXX XXXX : On XX/XX/XXXX, I was solicited at XXXX XXXX XXXX in XXXX by staff claiming to represent a timeshare company. I was taken to a sales presentation where I signed a contract with " XXXX XXXX XXXX XXXX '' and provided my wife credit card and I driver 's licenses, and personal information. The sales manager who processed my contract was later identified as operating from the same XXXX XXXX location where multiple victims have reported identical fraud. This establishes a pattern of racketeering activity under 18 U.S.C. 1961 ( 5 ) connecting XXXX XXXX XXXX XXXX to organized timeshare fraud operations in XXXX targeting U.S. consumers. XXXX XXXX XXXX acts as the physical location where the XXXX enterprise recruits victims, obtains credit card information, and executes XXXX XXXX XXXX contracts violating California Business & Professions Code 17550.15. This connects XXXX XXXX XXXX XXXX to a larger criminal enterprise using mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), and aggravated identity theft ( 18 U.S.C. 1028A ). XXXX CONSPIRACY & EXTORTION : On XX/XX/XXXX, I received email from XXXX XXXXXXXX XXXX threatening to report me to collection agencies for non-payment to XXXX XXXX XXXX XXXX. XXXX XXXX is impersonating XXXX XXXX XXXX and acting as their debt collector, proving they are part of the same XXXX criminal enterprise under 18 USC 1962 ( d ). XXXX XXXX obtained my personal data during the XX/XX/XXXX sales presentation and is now using it to commit : 1. Wire Fraud 18 USC 1343 - Using email to threaten illegal debt collection 2. Aggravated Identity Theft 18 USC 1028A - Using my personal information without authorization 3. FDCPA Violation 15 USC 1692e - Collecting on VOID debt per CA BPC 17550.15 4. Mail/Wire Fraud Conspiracy - XXXX XXXX XXXX XXXX acting in concert The underlying contract is VOID XXXX XXXXXXXX because XXXX is not registered with CA Attorney General. You can not collect on a contract that does not legally exist. Exhibit 8 proves XXXX XXXX and XXXX XXXX XXXX XXXX operate as a single criminal enterprise to defraud U.S. consumers.

Company response to consumer: Closed with explanation