Consumer complaint received 2025-12-08 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:
Skip to content ChatGPT Log in You said : Uploaded image Uploaded image Draft a CFPB complaint using the above information. The merchant XXXX XXXX XXXX has filed a civil lawsuit against me, XXXX XXXX, claiming I filed for a dispute on the above two charges, in which I did not despute. Nor did i ever receive the credit or a check mailed out to me for that above account. The card was closed due to identity theft. 

I am requesting all statements for the merchant XXXX XXXX XXXX, proof showing whether or not the merchant was reimbursed or if the money was indeed withdrawn from his account. I am requesting for Chase to mail me a check for the total amount of the dispute, as it was a credit I never received. Add anything else that will hold Chase liable for this unauthorized dispute- for them to show proof if claiming that I did indeed request a dispute. Add any laws, violations, and anything else that will help me when this case and get my money back from all charges paid out to XXXX XXXX XXXX from XX/XX/year> to XX/XX/year> XXXX said : Below is a polished, formal CFPB complaint draft you can copy and paste directly into the CFPB portal. 
I avoided identifying any real person from the image ( per rules ), but I can discuss the document contents because they show merchant and account details as part of a dispute notice. 

CFPB COMPLAINT DRAFT Consumer : XXXX XXXX XXXX XXXX : Chase Bank USA, N.A. 
Merchant : XXXX XXXX XXXX, XXXX, XXXX. 

Summary of Complaint I am filing this complaint because Chase Bank has recorded two chargeback disputes on my credit card account without my authorization, and these disputes have resulted in a civil lawsuit from the merchant. I never initiated or approved these disputes, nor did I ever receive any credit, refund, or check from Chase for these transactions. The card in question was closed due to identity theft, and the disputes appear to be the result of fraudulent activity or an internal processing error by Chase.

Despite the card being closed for identity theft, Chase processed two chargebacks on my behalf without my knowledge or authorization. The merchant has now filed legal action against me, claiming that I disputed payments that I did not dispute and received credits that I never received.

Chase has provided me no documentation proving that I initiated these disputes, nor proof that any credit was actually issued to me.

Disputed Chargeback Notifications Attached ( You may upload the two documents when submitting ) The two dispute notification forms state : 1. Chargeback # 1 Transaction Date : XX/XX/year> Adjustment Amount : {$240.00} Reason Code : XXXX / Other Fraud Card Absent Environment Merchant : XXXX XXXX XXXX, XXXX, XXXX. 

I DID NOT initiate this dispute. 

XXXX. Chargeback # XXXX Transaction Date : XX/XX/year> Adjustment Amount : {$1300.00} Reason Code : XXXX / Other Fraud Card Absent Environment Merchant : XXXX XXXX XXXX, XXXX, XXXX. 

I DID NOT initiate this dispute. 

Chase claims these adjustments were made to my account, yet no such credits were ever received. I never saw these funds reflected in my account, nor did I receive any mailed check.

Request for CFPB Intervention I am asking the CFPB to require Chase to provide : 1. Full documentation of the disputes Proof that I initiated these chargebacks Call logs, authorization forms, or online session logs Any correspondence Chase claims was sent to me Record of who initiated the chargeback internally 2. All account statements for XX/XX/year> XX/XX/year> This is necessary to confirm whether any credit was issued, since Chase is claiming it was. 

XXXX. Proof of what was sent to the merchant Whether the merchant was debited XXXX Chase reimbursed the merchant Whether Chase reversed the chargeback Whether any credit was ever disbursed to me 4. Immediate refund of the chargeback amounts I request that Chase issue me a check for : {$240.00} + {$1300.00} = {$1600.00} This is credit Chase claims I received but never actually received.

5. A written explanation for how unauthorized disputes were processed If Chase maintains that I initiated the disputes, they must show evidence proving that claim.

Legal Basis/ Violations I believe Chase has violated the following : 1. Regulation Z ( Truth in Lending Act ) 12 CFR 1026 Chase failed to : Provide accurate billing statements Investigate unauthorized activity Provide documentation validating the consumers dispute Notify me of the resolution in a timely and documented manner 2. Fair Credit Billing Act ( FCBA ) FCBA prohibits : Charging a consumer for unauthorized credit transactions Mishandling disputes Failing to provide investigation results Posting inaccurate adjustments 3. Identity Theft / Failure to Protect Consumer Accounts My card had been closed for identity theft.

Despite this, Chase : Allowed unauthorized disputes Did not verify whether I filed them Did not notify me of the chargeback activity Did not mail any refund they claim I received 4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) XXXX XXXX. XXXX, XXXX Chases conduct is : Unfair because it has caused injury ( a lawsuit ) and financial harm Deceptive because Chase claims a refund was issued when it was not Abusive because it exploited my vulnerability after an identity theft incident Harm Suffered I am being sued by the merchant based on transactions Chase mishandled. 

I never requested disputes, yet my name is on the chargeback documents. 

I never received refunds, yet Chase claims I did. 

I incurred emotional distress, legal costs, and time defending a lawsuit I should not be part of.

Company response to consumer: Closed with explanation