Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
b'Subject: Failure to Deliver Credit Balance Refund JPMorgan Chase Bank, N.A.\n\nProduct: Credit Card (Personal XXXX XXXX XXXX XXXX)\n\nSummary of Complaint\nI am filing a complaint regarding Chases failure to deliver funds that are already marked as credit balance refunded on my personal credit card account.\n\nThis is not a dispute about eligibility. Chase has acknowledged the refund and marked it as completed internally. The issue is nondelivery of funds over an extended period despite repeated requests and confirmations.\n\nAmount Owed (Personal Account)\nXXXX XXXX XXXX XXXX refund\nTotal undelivered: USD XXXXKey Facts\nOn XXXX XXXX XXXX, I requested that this credit balance be refunded via electronic transfer (ACH) due to international travel. I was assured this was possible. I confirmed that I would not be able to receive a check.\n\nOn XXXX XXXX XXXX Chase first claimed to have refunded the amount. These funds were never received. It is possible that a paper check was sent, but due to ongoing international commitments, I am not able to process or receive such checks.\n\nI contacted Chase many times to cancel the check and reissue the refund electronically. Each time, I was told the issue would be handled and that the refund would come electronically to my bank account.\n\nChase failed to send the required confirmation email or complete any electronic transfer, time and time again. The funds remain marked as refunded in Chases system but have not been received. This appears fraudulent to me, as a casual observer would see the funds marked as refundedeven though they have never arrived, more than six months later.\n\nTimeline\XXXX XXXX XXXX Refund requested (ACH specified)\XXXX XXXX XXXX Chase claims to have refunded (no funds received)XXXX XXXX XXXX Again told the refund would be reissued electronically (no action)\XXXX XXXX XXXX Followup call, again reassured it would happen soon (no action)\XXXX XXXX XXXX Escalation attempt, no resolution; funds still marked as refunded\XXXX XXXX XXXX Supervisor confirmed an ACH email request was submitted (no email received)\XXXX XXXX XXXX Supervisor / CCR claimed this was the highest escalation available; still no resolutionXXXX XXXX XXXX No funds received; issue remains unresolved\n\nSupporting Evidence\nChase successfully completed a separate ACH refund of USD XXXX on my business credit card account in XXXX XXXX. This demonstrates that electronic refund capability exists and has already been used successfully for my accounts.\n\nIssue\nThis is a failure to remit funds already marked as refunded, not a dispute about refund eligibility or method preference. Chase has repeatedly stated that the refund has been processed, yet I have not received the fundsmore than six months later and after many hours spent on the phone arranging and rearranging the same process.\n\nRequested Resolution\n\nImmediate ACH transfer of USD XXXXWritten confirmation that the transfer has been initiated\n\nConfirmation that no further paper checks will be issued\n\nSubmitted byXXXX XXXXnEmail: XXXXPhoneXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief