Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a Chase Sapphire Reserve cardholder disputing XXXX charges totaling approximately {$17000.00} USD ( XXXX ) from MN XXXX XXXX XXXX, operating as XXXX XXXX in XXXX, XXXX. Chase denied my dispute despite evidence that the charges are inconsistent with the merchants own published prices and were processed without informed consent. 
The Charges : On XX/XX/XXXX, my Chase card was charged approximately XXXX at XXXX a.m., XXXX at XXXX a.m., and XXXX at XXXX a.m.totaling roughly XXXX in a single night at a XXXX nightclub. 
Why These Charges Are Improper : I have obtained the merchants official price list from their website ( queenstabledance.com ). This evidence proves the charges are mathematically impossible based on any legitimate transaction : The merchants most expensive published VIP package ( VIP XXXX XXXX ) costs XXXX for up to XXXX people and includes a large bottle of XXXX XXXX vodka, XXXX bottles of champagne, XXXX private lap dances, XXXX soft drinks, and VIP lounge access. 
The most expensive individual bottles on the menu range from XXXX to XXXX. 
I was charged approximately XXXX XXXX times the cost of their most expensive advertised package. 
The merchant claimed I ordered a XXXX XXXX de XXXX XXXX champagne at XXXX. This item does not appear anywhere on the merchants published menu. Their most expensive comparable champagne is XXXX. 
Under XXXX law ( XXXX ), hospitality establishments must display prices and disclose them before customers order. Charging XXXX for an item with no published price violates XXXX consumer protection law. 
Questionable Documentation : The merchants documentation consists of photos, a non itemized POS receipt, and a handwritten list prepared by staffnot itemized POS receipts showing only the total charge amounts. A professional nightclub with electronic payment terminals and a published price list should have timestamped, system-generated receipts showing what was ordered and when. Instead, the merchant produced handwritten listswhich can be created or modified at any time after signaturepaired with terminal receipts that show only lump-sum totals without any breakdown of goods or services. This combination is consistent with staff fabricating or inflating charges after the fact : write up a handwritten list to justify whatever amount you want, then run the card for that total. 

My signatures were obtained in a loud, dark nightclub between XXXX and XXXX a.m. I was told to sign so service would continue, acknowledging the language barrier. I never saw or agreed to amounts approaching XXXX. 

Chases Inadequate Investigation : Under XXXX CFR XXXX ( f ), Chase must conduct a reasonable investigation. Chases investigation failed to consider : XXXX. Whether the charges are consistent with the merchants own published prices ( they are notthe disparity is approximately 1,525 % ) ; XXXX. Whether the merchants handwritten documentation is credible given the availability of electronic POS systems ; XXXX. Whether another major bank found identical charges improper ( XXXX XXXX XXXX XXXXfunded my companion in full for the same merchant on the same night ) ; XXXX. Whether I could have consented to charges that were never disclosed to me. 
The existence of signatures does not end the inquiry when those signatures were obtained through deceptive practices without disclosure of the amounts being charged, and when the merchants own documentation lacks the credibility of standard POS-generated records. 

What XXXX Asking : I request that the CFPB XXXX whether Chase conducted a reasonable investigation under the Fair Credit Billing Act given this evidence, and that Chase reopen my dispute with proper consideration of the merchants published pricing, the questionable nature of the handwritten documentation, and the fundamental question of whether I could have consented to charges that were never disclosed to me. 

Key Supporting Points : XXXX Court Precedent : XXXX XXXX XXXX C XXXX ( XXXX ) ordered a XXXX XXXX bar to refund XXXX because the bar couldnt document actual orders. 

XXXX XXXX  XXXX XXXX : A companion at the same establishment on the same night disputed identical charges with Bank XXXX XXXX and received a full refund. 

XXXX XXXX Requirements : XXXX CFR XXXX ( f ) requires a reasonable investigation considering all relevant information. Comment XXXX ( f ) XXXX makes clear this is an XXXX XXXX, not merely accepting merchant documentation at face value.

Company response to consumer: Closed with explanation