Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am filing this complaint because Chase unfairly denied my disputes regarding multiple malfunction-related charges from XXXX, a trading platform. These charges were made to my Chase checking account and occurred during a period when the platform experienced severe service issues. I provided evidence to Chase showing that XXXX acknowledged and refunded those transactions, and I personally experienced losses in income, time, and trading opportunities as a resultthis is how I earn a living. 

On XX/XX/XXXX, XXXX had emailed me to let me know that they have deactivated all. my active accounts and banned me from using their platform due to the disputes. 

What is deeply troubling is that I also used my mothers Chase credit card to purchase some of the same XXXX services during that time, and Chase refunded all of her disputes without issue. I have email receipts from XXXX confirming those refunds. This demonstrates that Chase has inconsistently and unfairly handled the exact same type of dispute across accounts within the same household. I even provided evidence of multiple other XXXX clients arguing the same problems. 

Additionally, due to these unrefunded charges, my checking account has been overdrawn for weeks, severely impacting my ability to function financially. I have not had access to my debit card, and Chase offered no compensation or meaningful recourse despite acknowledging that disputes could be resolved through other channels. 

On XX/XX/XXXX, I have recieved multiple emails from XXXX refunding only my mother for her transactions due to Chase 's compliance to her disputes. The malfunction of the service has affected all accounts that created a chain reaction of losses. XXXX accounts can be combined and payouts are delivered on a process that can require buying multiple accounts being worked on that eventually lead to oppurtinistic moments of huge financial return. I experienced mulitple service failures that hit me on the most opportunistic moments that could have made me huge XXXX figure returns and on top of this, Chase doesnt want to help me get my money back. 

I feel scammed and neglected by Chase. They told me Id have to deal with the merchant although I communicated numerous times that they banned me and refused refunds. I am saving money to go back to school and this took a big hit on my finances as well as my current state of daily living. I have invested so much money into XXXX with XXXX return although that is what they offer. My trading is not the problem because I have made returns with other companies many times. 

I also have disputes on my credit card as well as my debit card that are being denied as well. This is unfair when considering my mother 's success. Why have I been denied? Is it because I am a male? Is it because of how I speak? Maybe my arabic name? I am lost and hurting financially. 

I am requesting that Chase reopen my dispute, acknowledge the clear evidence of service failure and XXXX refunds, and apply the same fair treatment I saw applied to my mothers account. Furthermore, I am seeking appropriate compensation for the financial and emotional hardship Ive endured as a result of this inconsistent and biased resolution. 

Again, I have evidence of everything, including videos of XXXX malfunctioning during moments I could have made big financial returns. Any further required evidence will be provided asap.

Company response to consumer: Closed with explanation