Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Victim : XXXX XXXX 100 % XXXX Veteran, XXXX XXXX Billing Cycles Exposed : XXXX Total Charges : {$68000.00} Funds Lost to CC Payments : {$19000.00} ( >90 % of my income is VA XXXX Income ) 1729 Transactions, 538 flagged as suspicious upon further inspection Perpetrator : XXXX XXXX {$34000.00} in individual transactions tied to XXXX ( 538 transactions, 50.38 % of charges by dollar value ) Relationship duration : XXXX Top 4 Spending Categories ( All Charges ) 1. Travel : {$20000.00} 2. Food & Drink : {$13000.00} 3. Personal ( Cash advances, transfers, payments ) : {$10000.00} 4. Shopping : {$7100.00} of charges reported in this category. 
Total for Top 4 Categories : {$51000.00} XX/XX/XXXX attempted to open investigation with Chase Bank. Immediately requested to escalate. Chase failed to escalate the complaint, demanding individual transactions upfront. XX/XX/XXXX, after flagging 538 transactions with downloadable XXXX files from Chase 's own portal, I attempt to provide the evidence. Chase failed to accept one of the 538 transactions. The call was dropped. At this point in time, I had already individually itemized all 538 transactions. Forcing me, as a XXXX veteran, to essentially conduct my own investigation is not only unlawful under Regulation Z, it indicates systemic compliance failure within Chases dispute resolution process. 
And by this point in time, I had already contacted the FBI, who referred me to the XXXX XXXX. XX/XX/XXXX, I gave Chase written notice via email, citing the Truth in Lending Act and Regulation Z. Chase was provided 36 hours to provide a substantive response confirming compliance and the initiation of an investigation, per instructions from law enforcement ( XXXX XXXX told me to contact the bank ), with a deadline of XXXXPST ( my local time zone. ) They failed to respond. I gave verbal legal notice around XXXX PST to their Executive Office in XXXX to their ( XXXX ) number. 
As a result, I remain liable for {$68000.00} in debt, of which {$34000.00} is directly tied to fraudulent transactions, evaporating five months of VA income. Chases refusal to escalate, my own investigation I was forced to conduct, and failure to respond to written notice are clear violations of Regulation Z and demonstrate systemic compliance failure. I request that the CFPB investigate Chase Banks systemic failure to comply with Regulation Z, its obstruction of lawful dispute escalation, and its mishandling of fraud against VA XXXX compensation funds. 
Due to the scale of fraud, I have a limited quantity of evidence on hand apart from XXXX transaction records from Chase , compiled, annotated, and processed in an attached spreadsheet. I authorize CFPB and any law enforcement agency with jurisdiction and authority to subpoena Chase, as well as any relevant vendor flagged for further detail. I also authorize the same agencies to subpoena records for all my active checking and savings accounts, including the two I have with Chase. I can also provide physical evidence including documents XXXX left at my domicile, as well as items he purchased with my card. In addition, I authorize and encourage any relevant agencies, including the CFPB to subpoena XXXX and XXXX  XXXX  for XXXX  records attached to my personal vehicle ( XXXX XXXX XXXX, registered in XXXX XXXX, TX ) to corroborate transactions and jurisdictional matters, including evidence of interstate movement. Both XXXX and myself drove this vehicle.

Company response to consumer: Closed with explanation