Consumer complaint received 2026-01-03 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: NY

Complaint narrative:
I am filing a complaint regarding JPMorgan Chase Bank, N.A.s handling of a billing dispute on my Chase credit card, which I believe violates the Fair Credit Billing Act ( FCBA ) and applicable card network dispute rules. 

Transaction details : Merchant name : XXXX XXXX Transaction date : XX/XX/XXXX Amount : a series of XXXX charges $ XXXX $ XXXX {$1400.00} totaling {$6800.00} Chase dispute case number ( XXXX ) : XXXX I timely submitted a dispute for this transaction on XXXX, under the category of services overcharged. I provided supporting documentation including original sales receipt from the merchant and explanation of why the overcharge. Chase responded on XX/XX/XXXX saying the merchant provided some internal memo in XXXX and they decided the charge valid. I translated those materials and provided a response with pictures of original price tag, the original sales receipt, and and explanation that the merchant is trying to argue that their own sales receipt was wrong, which doesnt make any sense, and ask my banker to send the additional letter and supporting document on XX/XX/XXXX. 

Despite this, Chase denied/ reversed the dispute on XX/XX/XXXX without any explanation. 



Why the decision is incorrect Chases resolution is improper for the following reasons : 1. Failure to properly evaluate evidence Chase relied on merchant-provided documentation while disregarding or minimizing material evidence I submitted, including : copy of the merchants own sales receipt which details sale price, consumer tax charged, service fee for tax refund copy of price tag which listed the pre tax price and after tax price copy of floor map which shows the purchase and tax refund was made at the merchant service counter 2. Misapplication of dispute rules Based on the facts, this transaction qualifies for chargeback under applicable Visa/Mastercard/AmEx rules for over charge yet Chase failed to apply the correct reason code or standard.

3. Violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) Under the FCBA, creditors are required to : Conduct a reasonable investigation Correct billing errors when substantiated Provide an accurate explanation supported by evidence Chase did not provide a substantive explanation addressing my evidence or how the legal standards were met and rushed to reach conclusion the same day additional documents were provided. 
4. Lack of transparency and due process Chase did not clearly disclose : What specific evidence the merchant relied upon Why my evidence was insufficient Whether the dispute was eligible for escalation or arbitration Harm suffered As a result of Chases actions : I was improperly charged {$1200.00} I spent significant time and effort attempting to resolve this issue I lost the consumer protections promised under federal law and Chases cardholder agreement What I want Chase to do to fix the problem I am requesting that Chase : 1. Reopen and properly review the dispute with full consideration of all submitted evidence 2. Apply the correct dispute standards and reason codes 3. Reverse the charge and credit my account {$1200.00}, or provide a detailed, evidence-based explanation consistent with FCBA requirements 4. Improve internal dispute handling to prevent similar issues in the future

Company response to consumer: Closed with explanation