Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, I visited the XXXX, CA branch of Chase Bank to present my dispute documentation ( an e-letter ) regarding unauthorized recurring XXXX  debits ( $ XXXX since XX/XX/year> ) and {$97.00} in digital product charges for non-delivered goods. Branch Manager XXXX refused to stamp or accept my dispute letter and told me to mail/XXXX  the very letter I held in my hand. After I insisted, I was effectively told to leave the branch. Shortly thereafter, Chase locked me out of my account without written notice. 

Chase previously gave provisional credit, then reversed it, leaving my account negative. The only evidence provided was an irrelevant email chain, not proof of authorization or delivery. Chases fraud team overseas improperly conditioned reinvestigation on me providing more documents shifting the legal burden to me, in violation of Regulation E.

By refusing, Chase has obstructed my ability to dispute, request correction, and exercise protections guaranteed by federal law. 

Laws and Protections Violated E-SIGN Act ( 15 U.S.C. 7001 ) Prohibits denial of validity of electronic records and signatures. Chases refusal violates this directly.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Requires creditors to investigate and forward disputes of inaccurate information. Chases refusal blocks this right.

Truth in Lending Act ( TILA ) / Truth in Savings Act ( TISA ) Requires creditors to provide proper disclosure and process disputes about accounts and credit terms.

Electronic Fund Transfer Act ( EFTA ) If the matter involved transactions, banks must process error resolution requests. Refusal to accept my e-letter denies that protection.

Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) Requires written notice of action taken on credit-related requests. Refusal to accept communication amounts to unlawful noncompliance.

Consumer Financial Protection Act ( Dodd-Frank, UDAAP Provisions ) Prohibits unfair, deceptive, or abusive acts or practices. Refusing to accept federally valid communication qualifies as unfair and abusive. 

Harm Caused I have been denied my legal right to dispute and correct information. 

I have suffered financial harm, stress, and further obstruction in resolving this matter. 

Chases actions undermine the regulatory framework designed to protect consumers. 

Requested Relief I am demanding the following corrective actions : Immediate acceptance of my e-letter and confirmation of receipt.

Full and fair investigation of my dispute, as required by law. 

Written confirmation of findings and corrective action taken. 

Compensation for damages caused by the unlawful refusal, including financial losses and emotional distress. 

Assurance that Chase updates its procedures to comply with the E-SIGN Act and other applicable federal laws.

Conclusion : Chases refusal to accept my legally valid electronic communication constitutes a violation of multiple federal laws and directly harms me as a consumer. I am requesting immediate intervention, enforcement, and corrective action.

Company response to consumer: Closed with explanation