Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is an update to my previous complaints against Chase Bank for violations of Regulation E ( 12 CFR 1005.11 ). 

Chase manipulated my dispute timeline, issued inconsistent responses, and improperly reversed my provisional credit on XXXX morning, causing financial hardship. 

Key Violations : 1 I originally filed my dispute on XX/XX/XXXX. Instead of investigating properly, Chase denied my claim and forced me to resubmit it twiceon XX/XX/XXXX and XX/XX/XXXX. 
2 On XX/XX/XXXX, Chases Claims Department told me the denial was due to a missing transaction. This was the only reason given at the time. 
3 At my branch appointment last week, Chase employees again confirmed the denial was due to a missing transaction. 
4 However, Chase 's official denial letters, dated XXXX XXXX XXXX, completely omit this reason and instead say that the transactions were processed as authorized. 
5 On XX/XX/XXXX, Chase issued a letter stating I had been given a provisional credit of {$810.00} while they investigated my dispute. 
6 On XX/XX/XXXX, Chase sent another letter warning that the {$810.00} would be removed on or after XX/XX/XXXX. 
7 On XX/XX/XXXX ( XXXX morning ), Chase officially reversed the provisional credit, despite Regulation E requiring a full investigation before removing funds. 
8 By forcing multiple resubmissions ( XX/XX/XXXX and XX/XX/XXXX ), Chase appears to have reset the claim timeline to avoid Regulation Es investigation deadlines. 

Dispute Claim Numbers from Chase & Date Issues : Claim # XXXX Originally filed XX/XX/XXXX Resubmitted XX/XX/XXXX Resubmitted XX/XX/XXXX Denied XX/XX/XXXX Claim # XXXX Originally filed XX/XX/XXXX Resubmitted XX/XX/XXXX Resubmitted XX/XX/XXXX Denied XX/XX/XXXX Claim # XXXX Originally filed XX/XX/XXXX Resubmitted XX/XX/XXXX Resubmitted XX/XX/XXXX Denied XX/XX/XXXX Claim # XXXX Additional disputed transactions Filed XX/XX/XXXX Given provisional credit XX/XX/XXXX Credit warning XX/XX/XXXX Credit reversed XX/XX/XXXX Claim # XXXX Additional disputed transactions Filed XX/XX/XXXX Denied XX/XX/XXXX Claim # XXXX Additional disputed transactions Filed XX/XX/XXXX Denied XX/XX/XXXX Claim # XXXX Additional disputed transactions Filed XX/XX/XXXX Denied XX/XX/XXXX Irregularities in Chases Handling : Why did Chase force me to resubmit my claim multiple times instead of processing the original XX/XX/XXXX dispute properly? 

Why did Chase tell me missing transaction was the reason on XX/XX/XXXX and again at my branch appointment, but later omit this reason in official denial letters? 

Why did Chase process a later dispute ( XX/XX/XXXX ) before my earlier dispute ( XX/XX/XXXX )? 

Why did Chase give me provisional credit on XX/XX/XXXX, then send a warning on XX/XX/XXXX, and reverse it on XX/XX/XXXX ( XXXX morning ) before the investigation was complete? 

By resetting my claim timeline on XX/XX/XXXX and XX/XX/XXXX, Chase appears to have manipulated the dispute process to avoid issuing provisional credit under Regulation E. 


Demands : I demand CFPB investigate why Chase forced me to resubmit my claim multiple times and failed to provide a consistent explanation for denial. 
I demand full reimbursement for all unauthorized transactions, as Chase failed to meet Regulation E requirements for timely and proper dispute handling. 
I demand that CFPB require Chase to provide all internal documentation regarding my claims, including investigation records, timestamps, and communication logs. 
I demand an investigation into why Chase reversed my provisional credit on XXXX morning, despite Regulation E requiring due process before removing funds. 
Do NOT close this as a duplicatethis complaint focuses on Chases shifting excuses, forced resubmissions, and failure to investigate properly, not just unauthorized transactions.

Company response to consumer: Closed with explanation