Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A letter dated on XX/XX/XXXX remains outstanding : XX/XX/XXXX Via Email to Chase XXXX XXXX XXXX : Formal Hardship Complaint and Request for Resolution Account Ending XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX ( XX/XX/XXXX ) Dear Chase XXXX XXXX XXXX I am writing to formally express my continued concern regarding the handling of fraudulent activity on account ending in XXXX. Since XX/XX/XXXX, this matter has remained unresolved despite multiple attempts to engage constructively. I had hoped for a collaborative, solution-oriented process ; however, my experience has instead been marked by inconsistent follow-up and a process that has felt more defensive than investigative. As outlined in my Consumer Financial Protection Bureau complaint dated XX/XX/XXXX ( referenced above ), your office acknowledged receipt and indicated that an investigation was underway. The complaint identified recurring monthly charges associated with XXXX XXXX ( {$16.00} ) and XXXX XXXX ( {$29.00} ) as fraudulent. These charges had already been identified and only removed in XX/XX/XXXX. However, the broader issue remains unresolved. Specifically, these charges appear to have originated several years prior and accumulated significant interest and fees over time. At no point was I clearly informed of the age or nature of these charges. Furthermore, these vendors are commonly associated with unauthorized, subscription-based billing fraud schemes. To be clear, I did not authorize these charges. Additionally, all legitimate use of this account had ceased, which further supports the conclusion that these transactions were fraudulent rather than valid billing activity. While I received correspondence from your office dated XX/XX/XXXX, the response did not adequately address my request to fully remove and adjust all balances associated with these confirmed fraudulent charges. In an effort to resolve this matter in good faith, I have submitted payment in the amount of {$11000.00}, which I understand to represent the outstanding balance based on the most recent information provided. However, the documentation I received did not reflect XXXX prior payments of {$1600.00} and {$2000.00}, which should have been applied. Accordingly, I respectfully request the following : A comprehensive and good-faith investigation of all these XXXX vendor fraudulent charges that were not authorized will include a fair reimbursement including any associated interest or fees. A clear, written summary of the findings of your investigation to me on this direct complaint. This matter is not solely about the financial impact, but about principle and the expectation of fair treatment when seeking assistance. Unfortunately, that standard has not been met thus far. My preference remains to resolve this matter directly and efficiently, without further escalation. I trust your office shares that goal and will take the necessary steps to bring this matter to a fair and equitable conclusion. Thank you for your attention. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation