Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Ongoing Unauthorized Debits and Billing Disputes Involving Chase Bank, XXXX, and XXXX Details : I am submitting this complaint to document and resolve a long-standing pattern of unauthorized debits and billing misconduct involving three parties : Chase Bank ( financial institution ) recent response filed on XX/XX/XXXX on CFPB ID # XXXXXXXX XXXX ( telecom merchant ) XXXX ( internet service merchant ) Over the past two years, both XXXX and XXXX have initiated multiple debits from my Chase checking account that were either unauthorized, excessive, or unsupported by valid billing records. Despite my efforts to cancel pre-authorizations and dispute these charges, Chase failed to protect my account and allowed these withdrawals to continue. 
XXXX Issues : Wrongfully debited to my bank account for nearly a year Adamantly Refused to port my phone number to XXXX, citing a fabricated balance over {$320.00} Provided an official denial letter that sidesteps their billing errors and penalties I had formally canceled the pre-authorization to debit my bank account XXXX  Issues : Claimed only two debits occurred ( XXXX and XXXX ), but my Chase bank statement shows six : o 2 in XXXX o 2 in XXXX o 2 in XXXX o Totaling {$480.00} Their internal ledger contradicts Chases records XXXX  ( XXXX ) Service did not begin until XX/XX/XXXX, yet billing started earlier Forced auto-debit from my checking account, causing a {$72.00} maintenance fee due to Bank 's requirements on Account daily balance. 
Chase Bank Issues : Failed to block or investigate unauthorized merchant debits Refused to refund fees or support dispute resolution and filed unsupported denial obligations dated XX/XX/XXXX with CFPB with intent to sidesteps their lawful banking obligations Recently pressured me to close my long-standing account and open a Compromised Account to avoid liability I refused, as this would obscure the financial harm and erase my well-established banking history. 
I am attaching herewith : Chase bank statements showing actual debits XXXX internal ledger XXXX  denial letter Timeline of events and billing discrepancies Legal Context : This complaint follows a prior federal case ( dismissed on procedural grounds ) where Chases mishandling of merchant disputes which costed me from {$5000.00} {$10000.00} and were very harmful to my creditability. The Federal Judge recently ruled on XX/XX/XXXX, that my former attorney failed to act timely. I am now taking direct actions to protect my financial rights and reputation. 
________________________________________ Requested Resolution : Full refund of unauthorized charges and penalties Formal investigation into the mal-billing practices of XXXX and XXXX ( XXXX ). 
Reimbursement of fees caused by Chases inaction Written responses from all parties Preservation of my current Chase account without forced closure ________________________________________ This complaint reflects a pattern of consumer rights violations and financial harm. I respectfully request that the CFPB open a formal case and require each party to respond with documentation and corrective action. Thank you very much.

Company response to consumer: Closed with explanation