Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Complaint Against Chase Bank for Failure to Comply with Regulation XXXX Unauthorized Debit Card Transaction Dispute To Whom It May Concern, I am submitting this complaint against Chase Bank regarding their failure to properly investigate and resolve a dispute involving a debit card transaction, in violation of Regulation XXXX under the Electronic Fund Transfer Act. On or about XX/XX/year>, a debit card transaction in the amount of {$300.00} was processed from my account for a product that I did not receive. Upon realizing this, I promptly contacted the merchant, who acknowledged the issue and confirmed that a refund would be issued. I have provided Chase Bank with documentation supporting this acknowledgment, including [ emails/messages/receiptsdescribe evidence ]. Despite submitting clear evidence, Chase Bank denied my dispute and failed to provisionally credit my account or conduct a reasonable investigation as required under Regulation XXXX Their response did not adequately address the documentation I provided, nor did it explain how they concluded their investigation. In response to my dispute, Chase Bank relied on a tracking number provided by the merchant as justification to deny my claim. However, the existence of a tracking number alone does not constitute sufficient proof that the merchandise was properly delivered to me. Furthermore, this does not address or outweigh the merchants direct acknowledgment that a refund was warranted and this acknowledgment on the merchants behalf was provided to Chase Bank in which they ignored. Despite submitting clear and relevant evidence, Chase Bank denied my dispute and failed to provide provisional credit or conduct a reasonable investigation as required under Regulation XXXX Their response did not adequately consider the documentation I provided, nor did it include a meaningful explanation of how their determination was reached. Under Regulation XXXX, financial institutions are required to : - Conduct a timely and reasonable investigation of reported errors - Provide provisional credit within XXXX business days if the investigation is ongoing - Correct errors promptly when found - Provide a written explanation of findings and evidence used in their determination - Chase Bank informed me they would reopen my dispute with documentation provided in which they failed to do Chase Bank has failed to meet these obligations. As a result, I am requesting the following : XXXX. A full refund of the disputed transaction amount of {$300.00} XXXX. A detailed explanation of their investigation findings, including all documentation relied upon XXXX. Confirmation that proper Regulation XXXX procedures will be followed moving forward I believe Chase Banks handling of my dispute reflects non-compliance with federal consumer protection laws, and I am seeking assistance from the Consumer Financial Protection Bureau to resolve this matter. Thank you for your time and attention to this issue. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation