Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
I am a victim of an ongoing violent extortion scheme. I was forced to make purchases on my Chase credit cards under duress, under threat of physical harm, and without my genuine consent. Chase Bank has denied my fraud claim despite my providing a police report and FTC Identity Theft Report. CRIMINAL BACKGROUND : I have been held at XXXX twice and threatened with a XXXX. The extortion scheme has stolen over {$5.00} XXXX from me. I have filed a police report with the XXXX XXXX XXXX XXXX XXXX Case # : XXXX ) and an FTC Identity Theft Report ( Report # : XXXX ). UNAUTHORIZED TRANSACTIONS ( all made under duress ) : A. Coerced Credit Card Purchases : I was forced to make credit card purchases under duress, including : - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX - Additional coerced purchases throughout XXXX XXXX XXXX XXXX ( taken under duress ) : I was forced to take cash advances from my Chase credit cards under threat of physical harm. These advances occurred throughout XXXX. CHASE BANK 'S RESPONSE : Chase denied my fraud claim despite my providing : - A formal police report ( Case # : XXXX ) - An FTC Identity Theft Report ( Report # : XXXX ) - A detailed written dispute letter - Documentation of the extortion scheme including gunpoint threats Chase refuses to reverse these coerced credit card transactions. Chase claims the transactions were " authorized '' because I used my card. However, authorization obtained through force, threats, and intimidation is not valid consent under the law. LEGAL VIOLATIONS : 1. Fair Credit Billing Act ( FCBA ) Violation : Under the FCBA ( 15 U.S.C. 1666 ), I have the right to dispute unauthorized credit card charges in writing. Chase must acknowledge receipt of my dispute within 30 days and resolve the dispute within two billing cycles ( not to exceed 90 days ). Chase has failed to properly investigate and reverse the coerced purchases and cash advances. 2. Unfair and Deceptive Practices : Chase 's denial of my fraud claim despite clear evidence of criminal extortion constitutes an unfair and deceptive practice in violation of consumer protection laws. XXXX. Violation of XXXX Liability Policy : Chase advertises {$0.00} liability for unauthorized transactions. My transactions were made under duress and are therefore unauthorized. Chase has violated its own policy. 4. Failure to Provide Temporary Credit : Under the FCBA, while investigating a billing error dispute, the card issuer can not take adverse action against the consumer, including reporting late payments to credit bureaus or attempting to collect the disputed amount. Chase has continued to demand payment. PRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with Chase multiple times : - I called Chase Fraud Department ( XXXX, option XXXX ) - I called Chase Credit Card XXXX ( XXXX ) - I submitted written dispute letters via Certified Mail - I provided my police report and FTC Identity Theft Report - Chase denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : 1. Full investigation of all coerced transactions on my Chase credit cards. 2. Reversal of all unauthorized transactions, including : - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX - All coerced cash advances- All other coerced credit card purchases 3. Removal of all associated fees, interest, and finance charges. 4. Correction of any negative credit reporting resulting from these fraudulent charges. 5. Written confirmation of resolution. I have attached my police report ( Case # : XXXX ) and FTC XXXX Theft Report ( Report # : XXXX ) as evidence. I declare under penalty of perjury that the foregoing is true and correct. " " Section 5 : Desired Resolution Select or write : Desired resolution : " Investigation of my fraud claim, reversal of all coerced credit card transactions, removal of all fees and interest, correction of any negative credit reporting, and written confirmation. '' Section 6 : Attachments Attach the following documents ( if available ) : Document Attached? Police report ( Case # : XXXX ) FTC Identity Theft Report ( Report # : XXXX )

Company response to consumer: Closed with non-monetary relief