Consumer complaint received 2026-04-15 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding JPMorgan Chase Banks handling of multiple disputes I filed involving charges that I believe were obtained through deceptive, coercive, and non-transparent practices. Despite submitting these disputes in good faith, Chase denied both claims without providing adequate justification or supporting documentation. Below is a summary of each disputed transaction : Dispute 1 Charges Totaling {$5400.00} I disputed charges totaling {$5400.00} after receiving services from a merchant that failed to provide clear and upfront pricing. Prior to receiving services, I explicitly asked about the cost. The merchant refused to provide a specific amount and instead stated that the pricing would be similar to that of a hospital. This statement was misleading and prevented me from making an informed financial decision. After services were rendered, I was presented with a bill totaling {$5400.00}. This amount was unexpected, not disclosed in advance, and significantly higher than what I was led to believe. I filed a dispute with Chase, providing all available details. However, Chase denied my claim and only provided documentation that appears to have been signed after services were rendered, along with lab reports and billing information reflecting the high charges. This documentation does not demonstrate that I was informed of or agreed to the pricing prior to receiving services. Post-service signatures and billing records do not establish informed consent to pricing, nor do they demonstrate that I authorized these charges with full knowledge of their cost. Following these services, I was required to seek XXXX XXXX XXXX XXXX XXXX where my medical concerns were properly addressed. At the hospital, pricing was clearly communicated, reasonable, and transparent. This experience further highlights the lack of disclosure and unreasonable nature of the original charges. I am willing to provide documentation of this hospital visit upon request. Dispute XXXX Charges Totaling {$3900.00} XXXX XXXX XXXX Provided to My Children In a separate incident, I was charged {$3900.00} for XXXX XXXX services provided to my children ( specifically, XXXX XXXX per child ). At no point prior to treatment was pricing disclosed. During this interaction, I felt pressured and coerced into consenting to services after being told that it would be dangerous for my children if no action was taken. Under these circumstances, I relied on the providers representations and proceeded with treatment. Only after the services were completed was I presented with a bill totaling {$3900.00}. Had I been informed of the cost beforehand, I would not have consented to the services. I disputed these charges with Chase in good faith. In response, Chase again denied the dispute and only provided documentation that was signed after services were rendered, along with lab reports and billing records showing the charges. None of the documentation demonstrates that pricing was disclosed in advance or that I provided informed financial consent. Documentation executed after services are rendered can not retroactively establish informed consent to undisclosed pricing, particularly in circumstances involving pressure or coercion. Following these services, I was again required to seek care at a hospital to properly address my childrens XXXX needs. The hospital provided clear, upfront pricing and delivered appropriate treatment. This stark contrast underscores the lack of transparency and unreasonable billing practices of the original provider. I am willing to provide documentation of this hospital visit upon request. Concerns with Chases Dispute Handling Chases handling of both disputes raises serious concerns : Failure to Provide Meaningful Supporting Documentation The only documentation provided consists of post-service forms, lab reports, and billing statements, which do not establish informed consent to pricing. Lack of Transparency in Decision-Making Chase has failed to explain how it reached its determinations or what standards were used to evaluate the disputes. Failure to Protect Against Deceptive and Coercive Practices Both incidents involve a lack of pricing transparency, and in one case, coercion related to my childrens medical care. Chase upheld these charges without requiring proof of pre-service disclosure. Denial of Consumer Protections Chases actions have effectively denied my right to dispute charges that were misleading, undisclosed, or obtained under coercive circumstances. Requested Resolution I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require JPMorgan Chase to : Provide all documentation used in evaluating both disputes ; Reopen and reevaluate both claims based on the lack of pricing disclosure and coercive circumstances ; Reverse the charges if the merchant can not provide clear evidence of informed consent and agreed-upon pricing prior to services being rendered. Thank you for your time and consideration. I am seeking a fair and transparent resolution to these matters. Sincerely, XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation