Consumer complaint received 2026-05-14 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: CO

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Banks handling of a business credit card dispute involving contracted software development services that were never properly delivered, resulting in substantial financial loss and severe damage to my credit profile. On XX/XX/year>, I entered into a signed software/mobile application development agreement with XXXX XXXX for the development of a custom XXXX and XXXX mobile application. The signed contract specified a project cost of {$8000.00} with a completion timeline of XXXX working days. I have attached the signed XXXX agreement as supporting evidence. In addition to the original contract amount, I later paid approximately {$2500.00} more after the company continued requesting additional funds while representing that the project was nearing completion and would soon be delivered. Despite these payments totaling approximately {$10000.00}, XXXX XXXX failed to deliver a completed and functional application, failed to provide the agreed source code and ownership deliverables, and eventually ceased communication entirely. I repeatedly attempted to resolve the matter directly with the merchant through emails, calls, text messages, and follow-up requests over an extended period of time with no meaningful resolution. After the merchant failed to perform under the contract, I filed disputes with Chase regarding the charges for services not rendered and failure to deliver contracted work. I provided supporting documentation and evidence to support my claim, including the signed agreement and records of non-delivery. However, Chase failed to reasonably investigate the dispute and ultimately allowed the account to become severely delinquent and charged off. The account is now being reported as In Collections/Charge-Off, with over XXXX days late payment history and approximately {$6200.00} reported past due, causing significant damage to my personal credit profile and financial standing. I also filed disputes with all three major credit bureaus and filed a police report regarding the matter due to the substantial financial losses and lack of response from the merchant. I believe Chase failed to properly evaluate and investigate the dispute involving non-delivered contracted services and failed to adequately protect me despite substantial supporting evidence. The result has been : - substantial financial loss, - destruction of my credit profile, - collection reporting, - account charge-off, - and ongoing financial hardship. I am requesting the following actions : 1. A full reinvestigation of the disputed charges and handling of the account. 2. Review of all evidence submitted related to merchant non-performance and breach of contract. 3. Removal or correction of inaccurate or unfair negative credit reporting associated with this dispute while the matter is reinvestigated. 4. A detailed explanation of Chases investigation process and basis for denying the disputes. 5. Any appropriate reimbursement, account correction, or relief available based on the failure of the merchant to provide contracted services. This was not a case of dissatisfaction with completed work. This involved substantial payment for contracted services that were not delivered within the agreed timeline, followed by abandonment and cessation of communication by the merchant. I am requesting CFPB assistance due to the seriousness of the financial and credit harm that resulted from Chases handling of this matter.

Company response to consumer: Closed with explanation