Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
COMPLAINT : Chase improperly debited {$3400.00} from my checking account on XX/XX/XXXX for Claim # XXXX ( debit card ending XXXX, account ending XXXX ), causing my account to become overdrawn. Chase accepted facially invalid merchant evidence despite my detailed written objections submitted on XX/XX/XXXX and XX/XX/XXXX. 

CRITICAL FACT : XXXX other financial institutions ruled IN MY FAVOR against the SAME merchant ( XXXX ) using the SAME dispute basis : XXXX XXXX XXXX XXXX XXXX Merchant ACCEPTED the chargeback without defending ( confirmed by Disputes Manager XXXX XXXX via email XX/XX/XXXX ) XXXX XXXX XXXX XXXX Disputes resolved in my favor, temporary credits made permanent ( XX/XX/XXXX & XX/XX/XXXX ) JPMorgan Chase The ONLY institution that ruled against me The merchant submitted identical documentation to all three institutions. At XXXX XXXX, they didn't even attempt to defend. At Navy Federal, I won. Only Chase accepted this evidence as valid. This demonstrates Chase failed to conduct a reasonable investigation. 

THE DISPUTE : Filed XX/XX/XXXX under XXXX Condition XXXX ( Services Not Provided ). The merchant ( RealPrize.com ) unilaterally closed my account on XX/XX/XXXX while I still had a remaining purchased XXXX XXXX balance. I can not log in. I can not access the platform. I can not use services I paid for. The merchant 's own email dated XX/XX/XXXX states : " Your account is now closed '' and " we won't be able to offer any refund. '' MERCHANT 'S CONTRADICTORY CLAIMS THAT CHASE FAILED TO SCRUTINIZE : XXXX. Claims " Gold Coins are non-refundable '' per their Terms BUT simultaneously claims " customer received credit/refund '' to reduce my dispute. Both can not be true. 
XXXX. Claims I " used '' the XXXX XXXX  for services BUT also claims they were " refunded '' to me. Same coins can not be both used AND refunded. 
XXXX. XX/XX/XXXX email explicitly states " we won't be able to offer any refund '' Now claims they ALREADY refunded me. Direct contradiction. 
XXXX. XX/XX/XXXX email is titled " Redeem Confirmation '' and says " Good luck in your future games! '' Now merchant claims this was a " refund. '' Their own email proves it was a promotional redemption, not a refund. 

TIMELINE IMPOSSIBILITY : Merchant claims the XX/XX/XXXX payment was a " refund '' for my disputed transactions. However, the disputed transactions occurred on XXXX AFTER the alleged refund date. A refund can not retroactively apply to purchases that had not yet been made. Chase failed to recognize this logical impossibility. 

CHASE EMPLOYEES PROVIDED CONTRADICTORY INFORMATION : During a XXXX call on XX/XX/XXXX to Chase Claims XXXX XXXX ) : XXXX ( Dispute Claims Representative ) : Stated Chase NEVER submitted this dispute to XXXX and made their determination internally based on merchant documents alone Lei ( Supervisor, Claims Department ) : Claimed it WAS submitted through XXXX  and the merchant responded quickly These contradictory statements suggest either procedural failures or that Chase did not properly process this dispute through XXXX  's chargeback system. 

REGULATION E VIOLATIONS : Failed to conduct reasonable investigation per XXXX XXXX XXXX Accepted merchant documentation that does not address the dispute condition ( Services Not Provided ) Ignored my XX/XX/XXXX letter explaining XXXX  's evidentiary requirements Ignored my XX/XX/XXXX detailed rebuttal documenting merchant contradictions Made determination using evidence that failed at XXXX other institutions HARM : Account is overdrawn. I do not have funds to cover this {$3400.00} improper debit. Facing overdraft fees and potential account closure. 

EXHIBITS ATTACHED : Chase XX/XX/XXXX letter, transaction list, my XX/XX/XXXX response, XXXX XXXX XXXXXX/XX/XXXX email, XXXX XXXX  XXXX & XX/XX/XXXX confirmations, merchant 's rebuttal document, my rebuttal to merchant, my XX/XX/XXXX letter to Chase, XX/XX/XXXX call log.

Company response to consumer: Closed with explanation