Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi we applied for an XXXX XXXX XXXX XXXX  through Chase Bank and received it and have been using it for a whole year in good standing with the account paid off every month no late payments no overcharges etc. We got a letter from Chase saying that there is a legal request received from campus XXXX XXXX XXXX which is a XXXX judgment that was placed against me for a illegal repossession of a vehicle that I had bought back in 2011. It was a ghost in the engine lemon and it caused me nothing but problems and we had it up for sale when loan company came and repossessed it. No notice, no warning, nothing. XXXX XXXX XXXX XXXX knew our situation and had agreed to take late payments but came and repossessed the vehicle anyway. They did not have a court order to repossess my car and they pass the judgment while my family and I were displaced for 3 months after XXXX  XXXX. We were not given proper process. We were not given our due process. 

Fast forward my husband and I have been trying to clean up our credit. We started our own company and now all of a sudden, This XXXX is popping up on our credit report again. I think it should be against the law for any of my credit companies or any of my creditors to be contacted by anyone looking for information about my account or my credit, based on a judgment that's in the process of having the motion set aside for failure of offering the us due process. 

In addition we use this credit card to authorize medical treatment for XXXX of our dogs who was recently a victim of a XXXX shooting a random XXXX shooting. We took our dog to XXXX XXXX XXXX who handed us a written estimate for their services between {$500.00} and {$900.00}. They scanned our card for {$400.00} authorization and when we came back to pick our dog up they wanted to charge us an additional {$750.00} on top of the {$400.00} they already charged which made the total {$1100.00}. Which was way over the estimate they gave us. They refuse to release our dog and kept our dog kidnapped until we gave them the additional {$750.00}. 

We told them at that time we wanted our {$400.00} refunded because they didn't honor their estimate and because we complained they fired us from the clinic and didn't follow through with any of the aftercare that we had paid for already. You can see on the transaction record where they tried to run the remaining of the amount on the card that day XX/XX/XXXX. 

We have Of course have disputed this charge and JP Morgan Chase Bank refuses to refund it even though we've submitted proof to our story. I've never had a credit card in my life ever argue with me regarding a dispute. I am the customer I'm disputing this charge. You were to refund it. End of story. 

Instead you guys have created us into this credit monster that's too risky to do business with and have fired us as a credit card holder with your company and continue to try to ruin my good credit efforts and I think that should be against the law .. Plus we are XXXX  holders and received XXXX benefits and we feel that it's discriminatory to hold that against us. 

That should not be legal and I'm seeking an attorney to help me sue both XXXX XXXX XXXX because of their predatory credit practices but also JPMorgan Chase Bank for just disregarding all of our good efforts and ending our account with us for no valid reason. This is discrimination at its finest. I guess I'll have to seek a discrimination lawyer.

Company response to consumer: Closed with explanation