Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit 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:
XXXX XXXX XXXX XXXX for formal complaints ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Enforcement JPMorgan Chase and XXXX Violating Federal, State, and International Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint and demand for enforcement against JPMorgan Chase Bank , N.A . and XXXX XXXX for their unlawful conduct, deceptive practices, and blatant disregard for consumer protection laws. 

I purchased a product using a Buy Now, Pay Later ( BNPL ) arrangement through XXXX, which was charged to my Chase debit-credit card. The product was defective, and I initiated a dispute. XXXX responded with contradictory statements and refused to investigate. Chase claimed they could not help because its a BNPL transaction and out of their hands. That is false. Chase facilitated the payment, and both entities are legally obligated to support dispute resolution. 

I explicitly instructed Chase to block further withdrawals related to the disputed transaction. They ignored this directive and continued allowing XXXX to withdraw funds. XXXX, meanwhile, issued multiple conflicting statements and denied responsibility, despite clear obligations under federal law. 



Violations Committed JPMorgan Chase : Refused to investigate a disputed charge initiated through their card. 
Continued withdrawals after being instructed to block payments. 
Misrepresented my legal rights by claiming XXXX transactions are not eligible for dispute. 


XXXX : Issued contradictory and misleading statements. 
Refused to investigate a defective product claim. 
Lied about their obligations under federal law and CFPB guidance. 


Laws Violated Federal Law 1. Truth in Lending Act ( TILA ) 15 U.S. Code 1666 Grants consumers the right to dispute charges for goods not received or accepted.

Requires creditors to investigate disputes and prohibits retaliation or penalty.

Klarna is now classified as a credit card issuer under CFPBs XXXX XXXX interpretive rule. 

XXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693h Requires financial institutions to block unauthorized or disputed transfers. 
Chase violated this by continuing withdrawals after my directive. 

XXXX. CFPB Interpretive Rule XX/XX/XXXX BNPL providers are now treated as credit card issuers under Regulation Z. 
XXXX must offer dispute protections ; Chase can not disclaim responsibility. 



XXXX  Law 1. Texas Deceptive Trade Practices Act ( DTPA ) Tex. Bus. & Com. Code 17.41 et seq. Prohibits false, misleading, or deceptive acts in commerce. 
Chase and XXXX misrepresentations and refusal to act are violations. 
Allows for actual damages, attorneys fees, and treble damages if conduct is knowing or intentional. 



International Standards XXXX. UK Financial Conduct Authority ( FCA ) Section 75 of the Consumer Credit Act Holds credit issuers jointly liable with merchants for defective products. 
XXXX operates internationally and is subject to these standards. 

XXXX. EU Consumer Credit Directive ( XXXX update ) Requires BNPL providers to offer dispute resolution and refund mechanisms. 
XXXX conduct violates these emerging standards. 

XXXX. Australian Treasury Laws Amendment Bill XXXX XXXX providers must act as licensed credit providers and offer consumer protections. 
XXXX refusal to investigate and issue refunds breaches these norms. 

Demand for Enforcement I demand that your agencies : XXXX. Investigate JPMorgan Chases refusal to honor dispute rights under TILA and EFTA. 
XXXX. Hold XXXX accountable for deceptive conduct and failure to comply with CFPBs BNPL guidance. 
XXXX. Issue regulatory penalties and compel both entities to refund the disputed amount. 
XXXX. Audit Chases  BNPL practices for systemic violations and potential collusion with XXXX. 


I am prepared to submit full documentation, including receipts, correspondence, audio recordings, and written directives that Chase  and XXXX ignored. Their conduct is not a misunderstandingit is a calculated violation of law. 

According to I bought something that says goat clothing, and shoes, which I did not. And everything was recorded on Chase.Klanra This is a demand for enforcement. Not a request. Not a negotiation. Not a delay. 

Sincerely, XXXX XXXX ( XXXX ) Consumer Advocate XXXX, XXXX XXXX Thanks

Company response to consumer: Closed with explanation