Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
XX/XX/2025 Via Certified Mail / Return Receipt Requested Chase Executive Office of Customer Care JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXXXXXX XXXX, DE XXXX Re : Formal Request for Documentation Under the Fair Credit Billing Act Account Ending : XXXX Claim Reference : XXXX Unexplained Internal Posting : {$3800.00} To the Executive Office : I am writing to formally request, once again, the documentation and explanation for the {$3800.00} charge that your own correspondence states was placed by the disputes team. This amount appeared on my closed account after Chase had already confirmed prior fraud, reversed charges, and issued a {$4300.00} credit balance refund on XX/XX/2025. 
After the account was closed and settled, Chase added a new internal posting of {$3800.00}. This amount does not appear on a statement as a purchase, does not match any merchant transaction, is not supported by any transaction history you provided, and has never been itemized or explained. 
Your letter dated XX/XX/2025 explicitly states : These transactions were placed by the disputes team. 
Despite multiple written requests ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Chase has provided no itemization, no ledger entries, no posting codes, no adjustment records, and no explanation of what this internal charge represents. There may be an entirely rational explanation but Chase has chosen not to disclose it. 
My request is simple, reasonable, and required under federal law. 

Your Obligations Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) The FCBA requires Chase to : Conduct a reasonable investigation ; Provide documentation supporting any amount claimed as owed ; Provide a written explanation of the charge ; Suspend all billing, fees, and negative credit reporting during the dispute. 


To date, Chase has not provided any of the above. 
Required Documentation ( Requested Four Times Previously ) Please provide : A complete itemized ledger showing every entry that composes the {$3800.00} amount ; All internal posting or adjustment codes, and the date each was applied ; Any internal memos, system notes, or dispute-team records that explain why this internal posting was created ; A written narrative describing the origin and purpose of the posting ; Written confirmation that no late fees, interest, or negative credit reporting will be assessed while the dispute remains unresolved. 


If any of these records do not exist, please confirm that in writing. 
Regulatory Filings ( Notice of Simultaneous Submission ) Because this matter has remained unresolved for months and Chase has not complied with its legal obligations under the FCBA and Regulation Z, I am submitting this same dispute along with supporting documents to both federal regulatory bodies that oversee credit-card billing practices : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Copies of my regulatory submissions are being filed simultaneously with this letter. Both agencies will be receiving the full case file and copies of previous correspondence. 
This notice is provided to ensure transparency and to give Chase the opportunity to respond directly before regulators complete their review. 
Conclusion I am not seeking special treatment. I am asking for basic transparency : documentation showing what Chase believes this charge represents and how it was created. 
There is no reason this information should be difficult to obtain. Chase has the records or should have them and federal law requires that they be provided. 
Please respond in writing within the timeframe required by the Fair Credit Billing Act. 

Sincerely,

Company response to consumer: Closed with explanation