Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have attached documents and exhibits concerning my situation of being scammed by a man who called me and lied to me about owing thousands of dollars of back taxes, which I do not owe any back taxes. This is wrong what they are doing... I want my money returnd to me plus additional money from chase for violations. please read below and im trying to submit proof..

JPMorgan Chase Bank, N.A. 
XXXX : Corporate Legal Department To : Chase Bank Corporate Executive Office Cc : Chase Bank Legal Department/ Dispute Resolution Dear Sir or Madam, This letter serves as formal legal notice regarding Chase Banks continued and improper reversal of a disputed {$290.00} transaction from my account related to Tax Relief Advocates.

Despite my timely and lawful cancellation of services with that company, and despite the absence of any proof that services were rendered, Chase Bank has now reversed this disputed charge multiple times, including most recently for the third time, causing repeated overdraft fees and substantial financial hardship.

Material Facts The {$290.00} charge was induced through false and misleading representations that I owed significant back taxes.

I cancelled the service in writing within the required cancellation period, notifying the merchant directly.

The merchant has never provided proof of services, nor contacted me to confirm any work performed.

The IRS has confirmed that I do not owe back taxes and that an IRS Advocate has been assigned to my tax matters.

My account receives XXXX income, and repeated reversals of this charge have resulted in overdrafts and disruption of essential living expenses.

Chase Banks Continued Action Chase Banks ongoing reversal of this disputed transactiondespite clear notice, documentation, and hardshipconstitutes a failure to reasonably investigate and resolve an unauthorized charge under applicable consumer protection standards.

Formal Demands I hereby formally demand that Chase Bank : 1. Immediately and permanently cease reversing or withdrawing the disputed {$290.00} from my account.

2. Credit and refund the full {$290.00} to my account without further delay.

3. Reimburse all overdraft fees directly caused by this transaction.

4. Provide written confirmation that this dispute is resolved in my favor and closed.

Notice of Intent to Retain Counsel If Chase Bank continues to reverse this charge or fails to resolve this matter promptly, I will retain legal counsel without further notice to protect my XXXX income and pursue all available remedies, including but not limited to claims for financial damages, statutory violations, and attorneys fees.

This letter is sent in good faith in an effort to resolve the matter without litigation. However, continued inaction or further reversals will leave me no alternative.

Please govern yourselves accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Idaho Department of Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Re : Consumer Complaint / Notification Chase Bank EFT Dispute ( Unauthorized {$290.00} transfer ; Regulation E Notice of Error ) To Whom It May Concern, I am submitting this letter as a consumer complaint/notification regarding my dispute with JPMorgan Chase Bank , N.A. ( Chase ) over an unauthorized electronic fund transfer ( EFT ) of {$290.00} to [ XXXX XXXX ], posted [ XXXX XXXX ], and Chases handling of my error-resolution dispute.

Summary of the issue I canceled the merchants services within days of enrollment and have written proof ( cancellation email dated XX/XX/XXXX ). 
No services were ever performed.

The merchant relied on an invalid Power of Attorney obtained under pressure and not used for legitimate tax representation ; my IRS documentation shows NO POA on file/submitted to the IRS.

Chase reversed the transaction three times and then allowed the merchant to reclaim the funds again.

I have sent Chase a formal Regulation E Notice of Error demanding investigation, provisional credit if applicable, and a final written determination. 
Jurisdiction note / request for referral I understand the Department notes that complaints against federally chartered national banks are not under the Idaho Department of Finances jurisdiction.

Chase is a national bank and its primary federal regulator is the OCC.

Even so, I am asking the Department to accept this complaint for the record and refer it to the appropriate regulator if needed, and confirm the referral destination and any file number assigned.

Attachments Regulation E Notice of Error letter to Chase ( dated XX/XX/XXXX ) Cancellation email dated XX/XX/XXXX and XX/XX/XXXX IRS documentation showing no POA on file/submitted Dispute history showing the three reversals canceled the merchants services within days of enrollment and have written proof ( cancellation email dated XX/XX/XXXX ).

No services were ever performed.

The merchant relied on an invalid Power of Attorney obtained under pressure, fear and treating, scaring me to give them access to my account. And not used for legitimate tax representation ; my IRS documentation shows no POA on file or filed or submitted to the IRS.

Chase reversed the transaction three times and then allowed the merchant to reclaim the funds again.

I have sent Chase a formal Regulation E Notice of Error demanding investigation, provisional credit if applicable, and a final written determination XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMorgan Chase Bank, N.A.

Court Orders & Levies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contact Information : Fax No. : XXXX Contact No. : XXXX Complaint Against : JPMorgan Chase Bank, N.A.

I am submitting this complaint to formally document JPMorgan Chase Banks negligent handling of a disputed electronic fund transfer ( EFT ), including failures under the Electronic Fund Transfer Act ( EFTA ) and Regulation E error-resolution requirements, which has caused me ongoing financial hardship, emotional distress, missed work, and housing instability since XX/XX/XXXX. 
I canceled the merchants services within days of enrollment and provided Chase Bank with my written cancellation email dated XX/XX/XXXX. No services were ever performed. I never received a phone call, email, consultation, update, or any communication from the merchant at any time.

Despite this, Chase Bank repeatedly allowed the merchant to rely on a coerced and invalid Power of Attorney to justify a {$290.00} electronic debit. This document was presented on a cellphone, signed under fear and pressure, without explanation, and without a meaningful opportunity to read or understand it. It was never intended to be submitted to the IRS or used for legitimate representation. The merchant performed no services and instead used this document solely to obtain payment.

Violations of EFTA / Regulation E ( Unauthorized EFTs ) Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 Error Resolution for Unauthorized EFTs ), financial institutions are required to conduct a reasonable investigation, protect consumers from unauthorized electronic fund transfers, and resolve disputes properly and permanently once an error is identified.

Chase Bank reversed the same {$290.00} charge three separate times, which demonstrates that the transaction was disputed, questionable, and improperly authorized. However, Chase repeatedly allowed the merchant to re-debit my account using the same invalid documentation, despite clear evidence that : The service was canceled immediately No services were rendered Authorization was not knowingly or voluntarily given The merchant engaged in deceptive practices By allowing repeated re-presentation of the charge after reversals, Chase failed to provide final error resolution and failed to protect me from an unauthorized EFT, contrary to Regulation E requirements.

Financial Hardship Caused by Chases Actions Chase Banks repeated crediting and re-debiting of this {$290.00} caused serious and ongoing financial harm. I am XXXX, and my XXXX XXXX  is solely relied upon to pay my monthly rent. When Chase removed these funds after initially crediting them back, I was unable to pay my rent on time, including again this month.

As a direct result : I was late on rent and experienced housing instability I had to borrow money from family to cover basic living expenses I experienced repeated account instability that disrupted my ability to manage necessities Work Impact and Emotional Distress This situation has caused months of extreme stress, anxiety, and emotional distress. I have missed work and lost income due to repeated calls, follow-ups, and the ongoing uncertainty created by Chases failure
to resolve this dispute properly. Being forced to repeatedly explain and relive this situation to multiple representatives has interfered with my sleep, mental health, and daily functioning.

Chase Bank had a legal duty under Regulation E to protect me from unauthorized electronic debits and to resolve this dispute accurately and permanently. Instead, Chase repeatedly sided with a merchant using coercive tactics and unreliable documentation, causing preventable harm.

Requested Resolution I am requesting the following relief : 1. Permanent resolution of this dispute in my favor under Regulation E 2. Written confirmation that the merchant is barred from re-presenting this charge 3. Monetary compensation for financial hardship, missed work, emotional distress, and housing instability in the amount of {$4500.00} 4. A written explanation detailing why Chase permitted repeated re-debits after reversals, contrary to EFTA / Regulation E error-resolution standards This harm was avoidable. Chase Banks failure to comply with its consumer-protection obligations has caused real and
lasting damage, and I expect this matter to be escalated to the appropriate
executive, compliance, and regulatory response teams for immediate resolution
. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Account XXXX. XXXX Chase Bank Fraud Department To Whom It May Concern, I am writing to formally report and dispute an unauthorized transaction on my Chase bank account. The transaction was made without my knowledge, consent, or authorization and I did not receive any benefit from it.

As soon as I became aware of this activity, I contacted Chase to report the fraud and took immediate steps to secure my account. This transaction is not mine, and I did not approve it in any form. I am requesting that this matter be fully investigated and that the unauthorized funds be credited back to my account as required under federal banking regulations.

This fraudulent activity has caused significant financial hardship, including overdraft fees and disruption to my ability to pay essential bills. I respectfully request that any fees or penalties resulting from this unauthorized transaction also be reversed.

Please confirm in writing that : The transaction is under investigation The unauthorized funds will be returned Any related fees will be removed My account has been secured to prevent further fraud If you require any additional documentation or information from me, please let me know immediately. I appreciate your prompt attention to this matter and expect a timely resolution.

Thank you for your assistance.

Company response to consumer: Closed with explanation