Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
Complaint Against Chase Bank Regarding Unfair Claim Reversal To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding its handling of a claim involving multiple unauthorized charges by a company called XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Despite providing all requested documentation to support my case, Chase reversed the claim back to the merchant unfairly on XX/XX/XXXX. 

Background Details : XXXX. On XX/XX/XXXX, XXXX XXXX, XXXX processed multiple unauthorized charges on my account for amounts totaling {$1000.00} ( {$400.00}, {$500.00}, and {$100.00} ). These charges were all processed on the same day, despite the companys stated agreement to charge me on a month-to-month basis. 


XXXX. On XX/XX/XXXX, Chase initially resolved the claim in my favor and reversed the charges back to me. 


XXXX. However, on XX/XX/XXXX, Chase reversed the claim back to the company without justification, leaving me feeling unprotected and unfairly treated. 



Chase Banks Mishandling of My Claim : When Chase reversed the claim back to the company, they cited the merchants Terms and Conditions, which state that no refunds are provided. However, my dispute is not about requesting a refund but about being charged improperly and in violation of the agreed payment terms. 

I submitted clear documentation to Chase, including : The companys Terms and Conditions, confirming the payment structure was meant to be month-to-month. 

Email correspondence from the company stating that payments would be charged monthly, not in lump sums or back-to-back transactions. 



Despite this, Chase ignored the evidence and failed to consider the unauthorized nature of the charges, focusing only on the companys no-refund policy. 

Why This is Unfair : XXXX. Violation of Payment Terms : XXXX XXXX, XXXX breached their stated agreement by charging me multiple times on a single day instead of the agreed month-to-month basis. 


XXXX. Chases Inadequate Investigation : Chase failed to thoroughly review the evidence I provided, which clearly demonstrated the companys misconduct. 


XXXX. Reversal After Initial Resolution : The claim was resolved in my favor on XX/XX/XXXX, yet Chase reversed the decision nearly XXXX months later without any clear justification or additional findings. 



Desired Resolution : I am requesting that Chase reopen and reevaluate the claim using the evidence I submitted and reimburse the unauthorized charges totaling {$1000.00}. 

I also request transparency and a detailed explanation for why the claim was reversed back to the merchant on XX/XX/XXXX, despite clear evidence of their improper actions. 


Supporting Evidence : Terms and Conditions from XXXX XXXX, XXXX. 

Email correspondence confirming the payment structure was meant to be month-to-month. 

Bank statements showing the unauthorized charges on XX/XX/XXXX. 


This experience has left me feeling unprotected as a Chase customer. I believe that my case was mishandled, and I urge you to ensure a fair and thorough investigation. 

Thank you for your time and attention to this matter. I look forward to your response and a satisfactory resolution. 

Sincerely,

Company response to consumer: Closed with explanation