Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ESCALATION LETTER TO CHASE Date : XX/XX/XXXX Escalation Letter to Chase XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX Department Chase Bank USA, XXXX. 
XXXX XXXX XXXXXXXX XXXX, IN XXXX Subject : Request for Full Documentation & Reconsideration of Dispute Decision Claim No. XXXX To Whom It May Concern : I am writing to formally dispute your denial of my claim regarding the unauthorized transaction from XXXX XXXX in the amount of {$3100.00}, posted to my account ending in XXXX. Your letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicate that your decision was based on " information available at the time '' and/or " previous account activity. '' Upon review of the documentation provided, I note that XXXX has only submitted a basic transaction record showing the merchant 's name, location, and amount. They did not provide an itemized invoice, signed rental agreement, date and time of the charge, or any proof of my authorization. This lack of evidence does not meet the standard of proof required for a valid dispute resolution under Regulation E ( 12 CFR 1005.11 ) or Regulation Z ( 12 CFR 1026.13 ), depending on the card type.

Accordingly, I am requesting the following within 10 business days : A complete copy of all documentation, records, and evidence provided by XXXX in support of the charge, including but not limited to : Itemized invoice ( s ) for the {$3100.00} charge Date and time of each billed item Signed rental agreement or contract allegedly authorizing the charge Communications or notes between Chase and XXXX regarding this claim.

A clear explanation of how Chase determined the charge was authorized despite the absence of itemized billing or proof of consent.

A reconsideration of my dispute based on the incomplete documentation provided by the merchant.

If you can not produce the above records, I expect Chase to reverse the {$3100.00} charge immediately.

If this matter remains unresolved, I reserve all rights and remedies available under applicable law, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New York State Department of Financial Services, the New York State Attorney General 's Office, and pursuing arbitration as provided in the account agreement. Please treat this as a formal request under my right to receive all information relied upon in resolving my claim. I expect a written response within the timeframes required by federal law. 
Sincerely, XXXX XXXX Account ending in XXXX Claim No. XXXX Case No : XXXX / # XXXX Contact : XXXX Chase Bank Executive Department CFPB COMPLAINT CFPB COMPLAINT Complainant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Bank Information Institution : Chase Bank XXXX XXXX XXXX. 
Case No. : XXXX Additional Reference : # XXXX Executive Department Contact : XXXX Chase Bank Executive Department Complaint Summary I am disputing an unauthorized transaction from XXXX XXXX in the amount of {$3100.00} on my account ending in XXXX ( Claim No. XXXX ). I filed my claim on XX/XX/XXXX. Chase issued denial letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the decision was based on " information available at the time '' and/or " previous account activity. '' After reviewing the correspondence and documentation provided, I discovered that XXXX only submitted a transaction record showing the merchant 's name, location, and amount. There was no itemized invoice, no signed rental agreement, no date/time details, and no proof of my authorization. Chase reversed the provisional credit without obtaining sufficient documentary evidence as required under applicable federal regulations and New York State banking laws. 
Key Issues : Incomplete Documentation from Merchant - XXXX did not provide an itemized bill, signed contract, or proof of my consent. 
Insufficient Basis for Denial - Chase 's denial appears to have been made without adequate supporting evidence as required under Regulation E ( 12 CFR 1005.11 ) or Regulation Z ( 12 CFR 1026.13 ), depending on card type. Failure to Provide Evidence to the Consumer- I have formally requested all documentation Chase relied upon, but they have not produced the complete merchant records.

Requested Resolution : Provide me with all documentation used in deciding my claim, including the XXXX itemized invoice, signed rental agreement, and timestamps for the charge. If this documentation does not exist or can not be produced, reverse the {$3100.00} charge immediately. Ensure compliance with all consumer dispute investigation obligations under federal law. 

Supporting Evidence Attached : Chase denial letters ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Disputed transaction page showing only merchant name, amount, and location. My written escalation request to Chase. 

Signature : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation