Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I. INTRODUCTION My name is XXXX XXXX, a XXXX consumer and holder of a personal checking account at JPMorgan Chase Bank, associated with a debit card ending in XXXX. Through this formal declaration, I respectfully submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding JPMorgan Chase Banks systemic noncompliance with federal consumer protection laws. 

Between XXXX and XXXX of 2025, my account was subjected to numerous unauthorized transactions, all of which were properly reported to the bank within the legal time period established by the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation XXXX. Despite this, Chase denied all of my claims, reversed previously issued provisional credits, and refused to investigate several timely reported transactions. 

XXXX. BACKGROUND AND INCIDENT DETAILS Between XXXX and XX/XX/year>, I detected multiple unauthorized charges to my account, primarily involving : Purchases through Klarna ( XXXX, XXXX ) Transfers through XXXX XXXX Online Upon discovery of these transactions, I contacted Chase on XX/XX/year>, both by phone and in writing, to formally report the fraud and request reimbursement pursuant to federal law. 

Chase assigned the following claim numbers and provisionally credited the following amounts : # XXXX for {$1200.00} ( XXXX ) # XXXX for {$2300.00} ( XXXX ) # XXXX for {$12000.00} ( XXXX ) These provisional credits were required by law under Regulation XXXX, XXXX ( c ) ( XXXX ) ( i ), as the bank did not conclude its investigation within the initial XXXX business days. However, without adequate notice or sufficient explanation, Chase later reversed all credits and denied my claims, asserting that the transactions fell outside the XXXX reporting period. This assertion is factually and legally incorrect. 

XXXX. LEGAL BASIS AND ARGUMENTS XXXX. Incorrect calculation of the legal reporting period According to XXXX CFR XXXX ( b ) ( XXXX ) ( i ), a consumer has 60 days from the date the financial institution transmits the statement showing the error to report the issue. Chase wrongly counted the 60 days from the transaction date rather than from the date of the account statement, rendering its argument legally invalid. All XXXX, XXXX, and XXXX transactions were fully within the XXXX window when reported. 


XXXX. Mass denial and lack of individual investigation Chase failed to investigate each transaction individually. Instead of conducting a thorough review, it issued a blanket denial, violating the banks duty under XXXX ( c ) to review each reported error on a case-by-case basis. 


XXXX. Improper reversal of provisional credits Under XXXX ( c ) ( XXXX ) ( ii ), a bank that issues a provisional credit may not reverse it unless the investigation is completed and a written explanation is provided. Chase reversed these credits without proper notice or presenting any documentation that the transactions were authorized. 


XXXX. Lack of evidence to justify denial The burden of proof lies with the bank under XXXX ( d ). Chase provided no documents, electronic records, signatures, or technical evidence indicating that I authorized any of the transactions. 


XXXX. Omission of XXXX transactions from XXXX Chase failed to include several XXXX transactions from XXXX, even though they were properly reported. This constitutes a deficient investigation and a breach of the obligation to consider all available evidence under XXXX ( c ). 



IV. DAMAGES AND CONSEQUENCES XXXX  actions resulted in the unjust loss of over $ XXXX sum previously recognized as legitimate for investigation purposes. This loss has caused severe financial, emotional, and legal harm, leaving me vulnerable to fraud and undermining my confidence in the integrity of the financial system. 

V. FORMAL REQUEST TO THE CFPB In light of the above, I respectfully request that the Consumer Financial Protection Bureau : XXXX. Require JPMorgan Chase Bank to immediately reopen all my claims. 


XXXX. Order a full and independent review of each disputed transaction between XXXX and XX/XX/year>. 


XXXX. Compel the bank to permanently restore all funds that were unjustly removed. 


XXXX. Initiate a regulatory investigation into XXXX practice of mass claim denials and failure to consider submitted evidence. 


XXXX. Impose sanctions if a pattern of XXXX noncompliance is confirmed. 



VI. CONCLUSION This complaint highlights a clear and serious violation of federal consumer protection laws. Chase acted negligently, evasively, and in direct contradiction of the legal framework governing electronic fund transfers. I respectfully urge the CFPB to act decisively to uphold my rights and ensure that such violations do not continue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation