Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
On XX/XX/year>2025, I submitted a XXXXpage fraud report to JPMorgan Chase regarding {$58000.00} in credit card charges made to XXXX XXXX XXXX XXXX. While the transactions were technically authorized, the consent was not valid. The vendor employed a calculated scheme of emotional manipulation, spiritual deception, and psychological coercion to induce repeated payments. I was misled into believing I was receiving life guidance from spiritually gifted advisors, when in fact, I was being emotionally exploited by a business model designed to prolong vulnerability and extract maximum money. 

On XX/XX/year>2025, a Chase fraud specialist named XXXX confirmed that both XXXX and XXXX XXXX  are internally flagged as high-risk merchants with a known history of chargebacks and customer complaints. Despite this internal classification, Chase did not take any additional steps to protect me or investigate the transactions as fraud. It is upsetting that Chase sided with a known suspicious merchantidentified by its own fraud systemwithout ever speaking with me directly about the details, despite my multiple calls explaining what happened. 

I followed up several times with Chase prior to XX/XX/XXXX to ask if they needed any additional documentation. Each time, I was told no. On the same day I submitted my comprehensive report, a Chase fraud specialist called to say the case had been reviewed and they were siding with the merchantclaiming that because XXXX Chase cards were used, I must have knowingly made the purchases. It was clear from the call that the report had not been reviewed prior to this decision. 

When I explained that the charges were made under emotional and spiritual manipulationnot voluntary, informed consentthe agent responded that Chases fraud definition only includes unauthorized charges such as stolen credit cards. She then asked me to resubmit the same report she had just disregarded. This confirmed that my initial report had not been reviewed at all before the case was resolved internally. 

I called Chase several times to ask if they needed anything else from me. Each time, I made sure I was speaking on a recorded line so that my experience with this fraudulent merchant would be documented. It was deeply hurtful and frustrating to later learn that none of those phone recordings were reviewed, and my XXXXpage written report was never considered before a decision was made. This disregard only compounded the emotional toll of the original fraud. 

XXXX XXXX and XXXX are widely reported online for deceptive marketing, false spiritual claims, and psychologically abusive practices. Their business model relies on emotional coercion, bait-and-switch tactics, and pressuring consumers to continue purchases under false premises of spiritual danger, soulmates, or divine timing. These tactics created financial dependency and emotional harm. Their billing is excessive and often obscured using multiple merchant names. 

Under Regulation XXXX  ( XXXX XXXX XXXX ) and the Fair Credit Billing Act ( 15 U.S.C. XXXX ), Chase is obligated to investigate billing errors and even authorized transactions when consent was obtained through misrepresentation or undue influence. Chase failed to meet this standard and treated this serious, high-dollar case as a routine dispute. 

I respectfully request that : Chase be held accountable for failing to properly review the case before siding with the merchant, The case be re-evaluated under the protections of Regulation XXXX and the Fair Credit Billing Act, and I receive a permanent refund of {$58000.00}, as the transactions were not made under free will or truthful representation. 

This was not a misunderstanding or buyers remorse. It was a prolonged case of psychological fraud targeting a vulnerable consumer. I ask the CFPB to ensure a full and fair investigation is carried out.

Company response to consumer: Closed with monetary relief