Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : JPMorgan Chase Bank , N.A . Dispute Amount : [ Insert Amount ] Transaction Date : XX/XX/XXXXXXXX Service Cancellation & Refund Date : XX/XX/XXXXXXXX Refund Not Received As Of : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary I am filing this complaint against JPMorgan Chase Bank , N.A . ( Chase ) for improperly denying my dispute regarding a retained service agreement with a merchant known as XXXXXXXX XXXX XXXXXXXX. Chase refused to process my dispute, citing XXXX 120-day limitation rule. However, Chase misapplied XXXX chargeback regulations and federal consumer protection law. The 120-day period runs from the date of expected service delivery or cancellation, not the original purchase date in a continuing service contract. This was a retainer agreement with ongoing monthly and annual obligations. The service was discontinued in XX/XX/XXXX, and I was promised a refund on XX/XX/XXXX. I never received that refund. My dispute was filed within 120 days of that date. Chases refusal constitutes failure to properly investigate a billing dispute under federal law. Timeline of Events XX/XX/XXXXXXXX : I paid for an annual retainer service. I did not immediately utilize services. When services began, the work quality was subpar and deliverables were behind schedule. XXXX XXXX : I requested a refund due to nonperformance. Merchant persuaded me to continue and assured improved performance. Performance remained deficient and deliverables were still not met. XX/XX/XXXXXXXX : Parties agreed to discontinue service. XX/XX/XXXXXXXX : I was promised a refund. Pending deliverables were canceled. Refund was never issued. I disputed the transaction with Chase. Chase denied the dispute, claiming it was outside XXXX 120-day window. As of XX/XX/XXXX, no refund has been issued. Legal Basis for Dispute 1. Truth in Lending Act ( TILA ) 15 U.S.C. 1666 Under the Fair Credit Billing Act ( amendment to TILA ), a consumer may dispute : Charges for services not delivered as agreed. Charges for goods or services not accepted. Charges where the creditor failed to properly investigate. This was a service not delivered as agreed and later canceled with refund promised. Chase had an obligation to conduct a reasonable investigation, not summarily deny based on misapplied network rules. 2. Regulation Z 12 C.F.R. 1026.13 Regulation Z requires a creditor to : Conduct a reasonable investigation. Correct billing errors. Provide written explanation with evidence if denying. A blanket outside 120 days response is not a reasonable investigation when the date of non-delivery occurred XX/XX/XXXX. XXXX. XXXX Core Rules Timeframe for Services Not Provided XXXX rules distinguish between : One-time transactions Recurring transactions Future/continuing services For services not rendered or canceled services, the 120-day period begins from : The date the service was expected to be provided, OR The cancellation date, OR The date the merchant agreed to issue credit. In this case : Cancellation occurred XX/XX/XXXX. Refund was promised XX/XX/XXXX. Dispute was filed within 120 days of that date. Chase improperly calculated the timeframe from XX/XX/XXXX, which is legally incorrect for a retained ongoing service agreement. 4. Breach of Contract Under basic contract law principles : When both parties agree to terminate a service contract And the merchant agrees to refund Failure to refund constitutes breach. Chase can not shield a merchant from breach by misapplying chargeback rules. 5. Case Law Support Courts consistently recognize that billing error disputes include failure to deliver contracted services : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Creditors must reasonably investigate billing disputes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Consumers are protected when services are not delivered as agreed. Regulation Z Official Commentary confirms creditors can not summarily dismiss disputes without factual inquiry. Why Chase Is Wrong Chase : Ignored the date of cancellation. Ignored the promised refund date. Ignored the continuing service nature of the contract. Failed to conduct a reasonable investigation. Improperly applied XXXX 120-day rule. This is not a dispute about dissatisfaction. This is a dispute about non-delivery and failure to refund after cancellation.

Company response to consumer: Closed with explanation