Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Formal ACH Dispute Letter & CFPB Complaint Draft Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX  ] [ XXXX XXXX XXXX  ] Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX Chase Bank, XXXX. 
XXXX Bank By Mail XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal ACH Dispute & Request for Courtesy Provisional Credit Dear Claims Department, I am writing to formally dispute an ACH debit transaction that posted to my Chase account. The details of the transaction are as follows : - Merchant : XXXX - Transaction Date : XX/XX/XXXX - Amount : {$33.00} - Chase Account Number ( last 4 digits ) : XXXX I authorized this payment, but the merchant failed to provide the services I paid for and has refused to issue a refund. I even had to block the account to prevent further debits. This charge is improper and I am requesting Chases immediate investigation.

Under Regulation E, I am entitled to have this dispute formally logged and investigated by the bank. I am therefore requesting : 1. That Chase open a claim for this transaction immediately and provide me with a claim reference number.

2. That Chase issue a provisional ( temporary ) credit to my account while the investigation is pending. I note that in XXXX, with a merchant called Pure Smiles, Chase extended a courtesy provisional credit for me in a similar situation, and I am requesting the same consideration now.

As a loyal Chase customer, I rely on the bank to protect me in situations where a merchant has acted unfairly. At present, I am not working, and this financial loss is creating a severe hardship for me. 

Please confirm in writing that my dispute has been logged, provide me with a claim number, and advise me of when the provisional credit will be applied. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Draft CFPB Complaint Against Chase Complaint Against : JPMorgan Chase Bank, N.A.

Category : Checking or savings account Transaction issue / Problem with a bank account transaction What Happened : On XX/XX/XXXX, an ACH debit for {$33.00} from XXXX posted to my Chase checking account ending in XXXX. I authorized the payment, but the merchant failed to provide the services I paid for and has refused to issue a refund. 

I contacted Chase immediately to dispute the transaction. However, Chases claims department refused to open a claim, despite my repeated requests. This is highly concerning because under Regulation E, a bank must promptly investigate any reported error, and at minimum, formally log the dispute. 

In XXXX, Chase extended me a courtesy provisional credit for a nearly identical situation with the merchant Pure Smiles, who also charged me without providing services. In this current case, Chase is not only refusing to provide a provisional credit, they are refusing to even initiate a claim investigation. 

This has caused me significant financial hardship, as I am currently unemployed and urgently need access to these funds. 
What I Want from Chase : 1. For Chase to formally log my dispute and provide me a claim reference number.

2. For Chase to extend a courtesy provisional credit while the investigation is pending, consistent with their prior handling of my dispute in XXXX. 
3. For Chase to review its claims department practices, as refusing to even open a claim denies customers their consumer protection rights.

Supporting Documents : - Proof of ACH payment from my Chase statement - Communications with XXXX  - Screenshot of Chase representatives refusing to open a claim ( if available ) - Prior XXXX dispute resolution with Pure Smiles showing courtesy provisional credit granted Complainant Information : Name : XXXX XXXX XXXX : XXXX Email : XXXX Date of Service : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation