Consumer complaint received 2026-04-26 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:
b'I am the primary account holder of a Chase Sapphire Reserve card. I am filing this federal\ncomplaint because Chase has failed to protect me from a documented extortion scam,\nwillfully ignored a written confession of fraud from the merchant, and subjected me to hostile, coercive customer service when I sought help.\n\nDescription of locksmith scam\nOn XXXX, I was alone at a storage unit and hired a locksmith from a website (XXXX). I called the number on their website and got told that one of their dispatchers would contact me with a quote. The dispatched locksmith called me and verbally quoted me $65.00 for a standard lock removal. No written estimate was provided. After a 5-minute job, the technician unilaterally demanded $XXXX (tax included). When I objected to this unconscionable markup, he became highly aggressive, physically intimidated me, and threatened to charge an additional $XXXX hourly "standing fee" if I did not pay immediately. Fearing for my physical safety as a woman alone with an aggressive contractor, I authorized the payment under extreme duress just to safely remove him from the premises. Crucially, the technician who performed the work later contacted me via XXXX and admitted in writing that I was scammed. He identified his "boss" (XXXX XXXX XXXX) as the orchestrator of the fraud and stated he has since quit the company due to these unethical practices (see attached image).\n\nFailure of Chases Dispute Process\nI immediately filed a dispute with Chase citing Florida\'s Deceptive and Unfair Trade Practices Act (FDUTPA) and clearly documenting that the transaction was forced under physical duress. Chase rejected the dispute, rigidly citing XXXX rules and a lack of a "paper trail" for the original $XXXX quote (although I followed up with the written proof of conducting a scam by the technician). Shockingly, Chase\'s dispute department still summarily closed the case in favor of the scammer, willfully ignoring documented extortion. The only thing Chase could offer me was a $XXXX credit.\n\nRetaliatory Threats and Coercive Retention\nDuring my call on XXXX (Chase called me at XXXX XXXX XXXX XXXX), when I expressed that Chases failure to protect me from documented fraud would force me to take my business elsewhere, the Chase representative told me that canceling my account would "negatively impact my credit score."\n\nI view this as a retaliatory threat and a coercive retention tactic used to deter a victim of fraud from exercising their right to switch financial institutions. Threatening a consumer\'s credit standing in response to a fraud dispute or a request to close an account is an unconscionable banking practice.\n\nBecause Chase has actively protected a fraudulent merchant, I have officially filed formal complaints for Deceptive Trade Practices and Extortion with the Florida Attorney General\'s office and state consumer protection agencies as of XXXX XXXX.'

Company response to consumer: Closed with explanation