Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute an unauthorized charge of {$410.00}, posted as a XXXX XXXX XXXX XXXX transaction dated XX/XX/year>. I am requesting Chases immediate attention to resolve this matter in line with your prior assurances and my rights under the Fair Credit Billing Act ( XXXX, XXXX XXXX. XXXX ). 

Chronology of Events XX/XX/year> : I browsed vehicle options on XXXX but did not complete any booking with XXXX. Instead, I secured a reservation with XXXX XXXX a XXXX. 

XX/XX/year> : I received a suspicious text claiming to be from XXXX with a reservation number that ended up being confirmed by a XXXX representative as being INVALID. That same day, a charge of {$410.00} appeared from XXXX on my Chase card. I followed up with XXXX and they confirmed over the phone with me that no reservation existed under the number I had received in the text. XXXX told me that they could not do anything about my reservation since they had no record of that reservation number in their system. 

I immediately reported the charge to Chase. At that time, I was assured the matter would be resolved within XXXX  days, the charge was reversed, and I was issued a new card. 

XX/XX/year> : Without any communicationno call, voicemail, email, letter or other documentationChase  reapplied the {$410.00} charge. Furthermore, the transaction was backdated to XX/XX/XXXX, concealing it within the prior months statement. This undermines transparency and contradicts the banks earlier resolution commitment. 

XX/XX/year> ( approx. XXXX PST ) : I discovered the reapplied charge of {$410.00} that was backdated to XX/XX/XXXX, and I immediately contacted Chase but was told the Fraud Department XXXX closed. 

XX/XX/year> ( XXXX PST ) : I contacted Chase XXXX and was told the case would be reopened, prioritized, and resolved within XXXX ( XXXX ) business days. 

XX/XX/year> ( XXXX PST ) : Chase XXXX me and stated that they would Not reimburse my account for the {$410.00} because they claimed I had mislabeled the dispute as " XXXX ''. They refused to help me further and said I would need to speak directly with XXXX. However, under federal law Chase is required to resolve all billing errors and fraud, rather than the consumer themselves. Chase was also unwilling to provide me with company ID XXXX XXXX to reference who I had spoken with and was also unwilling to provide transcripts & documents as requested of my conversations with them. Additionally, a Chase rep acknowledged that they hadn't contacted me previously on XX/XX/XXXX, despite me being told on XX/XX/XXXX that they had contacted me via phone as well as sending me documentation for the case via mail ( I never received anything from them ). 

Points of Concern : Failure to Resolve Within Promised Timeline : Chase committed to resolution within XXXX  days, yet instead reinstated the charge without ANY notice. 

Procedural Impropriety : Re-applying a disputed charge without documentation, explanation, or timely notification would likely place Chase in violation of the FCBAs dispute-handling provisions. 

Transparency & Good Faith : The decision to backdate the reinstated charge to XX/XX/XXXX materially reduced my ability to detect and contest it, which raises concerns about the banks internal handling practices.

Company response to consumer: Closed with explanation