Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Regulatory Action Needed AgainsXXXX Chase for Obstructing Consumer Claims Subject : Chases Failure to Investigate Disputes & Pattern of Claim Obstruction I am submitting this formal statement as part of my CFPB, OCC, and XXXX  Attorney General complaints to demand regulatory action against Chase for : XXXX. Failing to Investigate Unauthorized Transactions and Refund Claims On XX/XX/XXXX, I disputed multiple unauthorized transactions totaling {$2300.00}. 

Chase forced XXXX resubmissions ( XX/XX/XXXX and XX/XX/XXXX ) while altering claim details, removing transactions, and still denying my claims. 

Despite forcing these resubmissions, Chase never actually investigated the disputes. 

Chases actions violated Regulation E, which requires a fair and timely investigation of unauthorized transactions. 


XXXX. Engaging in Unfair Refund Practices for XXXX XXXX Charges On XX/XX/XXXX, I submitted a refund request for {$530.00} ( Reference # XXXX ) for returned/canceled XXXX services. 

Chase denied the claim without justification, despite consumer protection laws requiring refunds for returned services. 

I resubmitted the claim on XX/XX/XXXX, with additional evidence, increasing it to {$600.00} ( Reference # XXXX ). 

Chase still denied the claim, proving they were obstructing refunds rather than reviewing them fairly. 


XXXX. Proving Chases Lack of Investigation with a Fraudulent {$10.00} Dispute On XX/XX/XXXX, I intentionally submitted a fraudulent dispute for {$10.00} at a gas station. 

Chase instantly approved the claim as " unauthorized '' even though I made the purchase in person.

This proves Chase does not conduct real investigations and has no structured review process.

4. Chases Pattern of Bias and Obstruction in Claims Processing Chase forced unnecessary resubmissions of my legitimate claims but approved a fraudulent one instantly. 

Chase altered my dispute details and removed transactions during resubmissions. 

Chase denied my XXXX refund claim twice, even after I provided additional proof. 

This shows Chase is selectively denying claims without a real investigation.

-- - Regulatory Demands I am not requesting another investigation from Chase because they have proven their process is unreliable and biased. Instead, I demand : 1. Regulatory penalti
es against Chase for violating Regulation E and consumer protection laws.

2. Chase be required to return my wrongfully denied funds, including : {$2300.00} in unauthorized transactions from XX/XX/XXXX. 

{$600.00} in XXXX refunds from XX/XX/XXXX. 



XXXX. A full regulatory review of Chases dispute-handling process due to its pattern of altering, obstructing, and mishandling claims. 




-- - Supporting Evidence XX/XX/XXXX, and XXXX unauthorized transaction disputes ( {$2300.00} ) - Denied. 

XX/XX/XXXX, XXXX refund claim ( {$530.00} ) - Denied. 

XX/XX/XXXX, XXXX refund claim ( {$600.00} ) - Denied despite additional evidence. 

Approval notice for the fraudulent {$10.00} claim on XX/XX/XXXX. 

Since this is a supplemental complaint. Please refer to previous claims for additional evidence. The purpose of this complaint is to provide evidence that there is no investigation process via the fraudulent claim they approved.

Company response to consumer: Closed with explanation