Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
UNIFIED STATEMENT OF FACTS AND REQUEST FOR REVIEW I am not the Chase cardholder. I am a third-party merchant/property owner harmed by a Chase-approved chargeback. I do not have access to the card number. Chase can identify the matter by the chargeback associated with the XXXX transaction, the XXXX XXXX XXXX, and communications involving XXXX XXXX on or about XX/XX/year>. 

I am submitting this complaint as the victim of a fraudulent chargeback based on forged documents, which were relied upon and ignored by both XXXX and JPMorgan Chase Bank, resulting in significant financial harm to me. 

Renters who stayed at my XXXX  property submitted falsified documents to support a chargeback, including : A fabricated cancellation letter falsely claiming a medical emergency that never occurred. 

A forged rental agreement dated XX/XX/year>. 

I am submitting copies of these forged documents directly with this complaint. These documents were provided to me by XXXX XXXX of XXXX XXXX by email on XX/XX/year>, during the chargeback/insurance review process. 

The forged rental agreement lists the following false Host Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This information is inaccurate and false. My ZIP code is XXXX, not XXXX. I have never used the listed email address and it is not associated with me or my business in any way. The email address appears to be associated with the claimants personal or family contacts rather than the property owner, further indicating that the document was fabricated and that my identity was improperly substituted. 

Both the rental agreement and the cancellation letter contain multiple misspellings of my name ( including XXXX, XXXX, and XXXX ), incorrect address information, fabricated factual claims, and signatures that are not mine. I did not write, sign, or authorize any of these documents. 

Additionally, I can demonstrate that my first direct contact with the claimants did not occur until XX/XX/year>, and that contact occurred through XXXX, using XXXX different XXXX accounts controlled by the same individuals. This contradicts the purported XX/XX/year> rental agreement and further supports that the document was created retroactively and fraudulently. 

I submitted these forged documents to XXXX, and they were also reviewed by Chase, the card issuer. During the chargeback process, I communicated directly with a Chase insurance/chargeback adjuster, who emailed me the documents submitted by the cardholders and discussed their contents with me, including the false and inconsistent information they contained. 

Despite XXXX and Chase having actual notice of serious inconsistencies and clear indicators of forgery, the chargeback was allowed to proceed. 

As a result : XXXX approved the chargeback based on fraudulent documentation XXXX created an alleged negative balance of {$3200.00} XXXX seized {$1000.00} from my existing XXXX XXXX, funds that belonged to me and were earned legitimately I am now subject to collections activity for a debt that arose from fraud At various points I was informed that an insurance or adjuster process was involved in reviewing the chargeback. Given that involvement, it is unclear why I, an innocent third party, was made to absorb the financial loss. Once forged documents and false claims were identified, the claim should have been denied, absorbed by insurance, or escalated for fraud review not externalized to me through seizure of my funds and collections activity. 

This matter involves : Submission of forged documents in a financial transaction Identity misrepresentation Use of false contact information purporting to belong to the property owner Failure by XXXX and Chase to conduct a reasonable investigation Improper allocation of loss to an innocent third party Improper seizure of {$1000.00} of my funds Ongoing attempts to collect a debt caused by fraud I respectfully request that the appropriate authority : Require reversal of the fraudulent chargeback. 

Eliminate the alleged negative balance of {$3200.00}.

Order the return of the {$1000.00} improperly taken from my account.

Halt all collections activity related to this matter. 

Require correction of internal records to reflect reliance on forged documents. 

Review whether the submission of falsified documents in this XXXX financial transaction warrants criminal investigation for fraud and forgery by the claimants.

Company response to consumer: Closed with explanation