Consumer complaint received 2026-06-10 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: FL

Complaint narrative:
I am filing this complaint against JPMorgan Chase for violating my rights under the Fair Credit Billing Act ( FCBA ) by making unauthorized, fraudulent charges to my credit card account. JPMorgan Chase has wrongfully denied my fraud claim. They closed the investigation by stating that I " received benefit '' from these purchases. However, the bank has failed to provide any factual evidence, delivery logs, or documentation to support this conclusion. XXXX XXXXXXXX XXXX XXXXXXXX account credentials were compromised by an unknown perpetrator who placed multiple unauthorized curbside pickup orders through the app. The physical goods were picked up in person, hundreds of miles away from my home. During all of these transaction windows, I was physically present and actively working my scheduled shifts for my employer, XXXX XXXX XXXX. I have official employment timecards proving my location. It is physically impossible for me to have received any benefit from these items. Chase can not simply rely on XXXXXXXX XXXX XXXXXXXX XXXX automated status updates showing that the order was " collected and completed '' as proof of my involvement. I explicitly demand video surveillance or photographic evidence proving that I was the specific individual who collected these ordersan impossibility given that I was actively clocked in and working at my job at those exact times. It must be proven that I was the one to collect these orders, rather than an identity thief using my breached credentials to bypass the curbside verification system. Furthermore, JPMorgan Chase failed to flag or issue fraud alerts for these highly suspicious, consecutive, back-to-back large purchases occurring hundreds of miles apart. The fraudulent charges occurred at the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, for {$290.00} ( XXXX miles away from my home ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, for {$500.00} ( XXXX miles away from my home ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, for {$510.00} ( XXXX miles away from my home ) There was also a fourth attempted purchase of {$690.00} in XXXXXXXX XXXX XXXX XXXXXX/XX/year>, which was caught and canceled, further proving a pattern of ongoing fraud. Total Fraudulent Loss Amount : {$1300.00} To prove the validity of my claim, I have taken immediate formal action and attached the following law enforcement documentation to this complaint : An official FBI Internet Crime Complaint Center report ( IC3 Complaint Number : XXXX filed on XX/XX/year> ). Under the FCBA, I am formally requesting that Chases executive resolution team perform a manual human review of this case, bypass the automated logic that erroneously denied my claim, and permanently remove these unauthorized charges from my account. If Chase maintains their denial, I demand they immediately provide the complete merchant discovery packet, including any video or photographic evidence they claim proves I physically collected these items.

Company response to consumer: Closed with monetary relief