Consumer complaint received 2026-05-20 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: IL

Complaint narrative:
I am filing this complaint regarding Chases handling of a disputed {$5000.00} credit card transaction. The disputed transaction was posted on XX/XX/year> with the merchant descriptor XXXX XXXX XXXX XXXX in the amount of {$5000.00}. I did not knowingly authorize a {$5000.00} transaction, did not swipe, tap, insert, or sign for a {$5000.00} transaction, and did not receive a receipt, invoice, contract, authorization form, donation confirmation, goods, services, funds, or any other benefit. On XX/XX/year>, I was approached in person by individuals who asked if I would donate to the XXXX XXXX XXXX XXXX. They took my credit card information, along with my email and phone number. They then immediately told me the transaction would not work, handed my card back, and said thanks anyway. I did not physically process a transaction myself. I did not tap my card, insert my card, swipe my card, sign a receipt, approve a payment screen, or receive any receipt or confirmation. I walked away believing no transaction had occurred. Approximately 10 minutes later, a {$5000.00} transaction appeared on my Chase account. I called Chase immediately to report the issue. I understand that I provided my card during the interaction, but I did not authorize a {$5000.00} charge. The individuals represented that the transaction would not work, returned my card, and no transaction was processed or confirmed in front of me. When I first contacted Chase, Chase Fraud told me by phone that because my card information had been handed over, I should submit the matter as a dispute rather than a fraud claim. Chase categorized the dispute as I was overcharged for my purchase. I believe that categorization misrepresents what happened. This was not a normal purchase where I received a receipt for one amount and was charged another amount. There was no completed transaction in front of me at all. My card information was taken down, I was told the transaction would not work, I walked away with no receipt or confirmation, and a {$5000.00} transaction appeared later. Chase denied the initial dispute. After that denial, I called Chase again and was told that we could try submitting the matter as fraud. I then submitted a written packet of information supporting my claim, including a signed statement, XXXX ( the merchant ) chat documentation, XXXX Police Department report documentation, and Federal Trade Commission report documentation. Based on Chases response, that information appears to have received little substantive review because Chase later stated that the matter could not be treated as fraud strictly because my card information had been handed over. Chase then directed the matter back through the dispute process. I submitted an additional dispute packet explaining that the issue was not a typical overcharge. I explained that I can not provide a receipt showing a different amount because I was never provided any receipt, invoice, contract, authorization form, donation confirmation, or written agreement for any transaction because nothing happened in front of me. The absence of those documents is part of my dispute. I am not claiming that I wis mischarged. I am claiming that the merchant has not shown that I knowingly authorized a {$5000.00} charge in the first place. Despite this explanation, Chase denied the dispute again for the same basic reason : I could not provide proof that the transaction was supposed to be for a different amount. That standard is impossible to meet in this situation because there was never a transaction processed or confirmed in front of me. I was told the transaction would not work, my card was handed back, and I walked away with no receipt, invoice, authorization form, contract, donation confirmation, or written agreement for a different amount or for {$5000.00}. The XXXX documentation I submitted shows that XXXX could not locate a matching transaction on my XXXX account and could not locate a transaction associated with my Chase card ending in XXXX. I also reported the incident to the XXXX Police Department and the FTC as deceptive practice, theft, or fraud. Chases XX/XX/year> letter says that Chase confirmed the transaction is valid and that no billing error occurred. The letter also says I may have a valid complaint with the merchant, but Chase did not provide the merchant documentation it relied on or explain how the merchant proved that I knowingly authorized a {$5000.00} transaction. The letter lists claim ID XXXX and the disputed transaction as XXXX XXXX XXXX XXXX for {$5000.00}. Chases letter does not identify any signed receipt, invoice, contract, authorization form, donation record, itemized goods or services, proof of fulfillment, proof of benefit, or other record showing that I specifically approved a {$5000.00} transaction. My concern is that Chase is relying on technical internal categories rather than evaluating the facts. Chase first directed me to submit it as a dispute because my card information had been handed over. After that was denied, Chase allowed me to submit it as fraud, then rejected it as fraud for the same reason : that my card information had been handed over. Chase then treated it as a dispute again and denied it because I could not produce a receipt showing a different amount. This approach avoids the central issue : the merchant should be required to prove that I knowingly authorized a {$5000.00} transaction and received something of value in exchange. I am requesting that Chase reopen the dispute, provide the merchant documentation and evidence it relied on, reverse the {$5000.00} charge, remove any related interest or fees, and ensure that no negative credit reporting occurs related to this disputed amount. If Chase continues to deny the dispute, I request that Chase provide a specific written explanation identifying the evidence showing that I knowingly authorized a {$5000.00} charge and identifying what goods, services, funds, donation confirmation, or other benefit I supposedly received.

Company response to consumer: Closed with explanation