Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
Between late XXXX and XXXX XXXX, I made multiple purchases of academic and professional textbooks across separate orders from two merchants operating under the names XXXX and XXXX. The total amount paid was approximately {$83000.00}, consisting of approximately {$60000.00} to XXXX and {$23000.00} to XXXX. 

XXXX transactions appeared on my Chase account as XXXX charges, although several of those transactions do not appear within my XXXX account history. All XXXX transactions were processed directly through my Chase debit card. 

At the time of purchase, both merchants represented themselves as legitimate U.S.-based sellers offering authentic textbooks. I relied on these representations and believed the books were genuine, authorized, and manufactured and distributed in accordance with publisher standards.

After delivery, I discovered multiple issues that were not disclosed at the time of purchase. Many shipments lacked tracking information, some items were missing, and shipping labels and tracking data showed that the books originated from XXXX. This international sourcing was never disclosed on the merchants websites or during checkout. 

Upon inspection, the books exhibited multiple indicators of inauthenticity, including irregular binding, printing inconsistencies, and other physical characteristics inconsistent with legitimate editions. These issues were discovered only after delivery. 

I contacted the merchants regarding missing items and authenticity concerns. XXXX stated they would investigate but failed to issue refunds for missing books. Instead, they attempted to ship replacement books significantly later and asserted the books were authentic. As part of this response, XXXX provided an invoice from an overseas book binding house in XXXX as purported proof of legitimacy. 

I then contacted multiple publishers directly, including the National Fire Protection Association ( NFPA ), and received written confirmation that their publications are printed exclusively in the United States and that they do not authorize printing, binding, or manufacturing of their books outside the U.S., nor do they work with overseas binding houses for these titles.

Additionally, I obtained independent second opinions from multiple established book and resale businesses, including XXXX XXXX XXXX, XXXX XXXX, and The XXXX XXXX. Each independently identified physical indicators consistent with inauthentic or improperly manufactured books. 

Based on this evidence, the goods I received were materially different from what was represented and raise serious concerns of misrepresentation and potential counterfeit merchandise. The transactions were authorized only because of false representations regarding authenticity, origin, and legitimacy, which were discovered after delivery. 

I reported these transactions to Chase and requested a full investigation into the disputed debit card charges, providing extensive documentation including publisher confirmations, expert opinions, photographs, shipping records, and merchant communications. Despite this, the transactions were deemed authorized, and I was held financially responsible. 

I am filing this complaint because these charges resulted from fraudulent misrepresentation, and I believe Chase failed to properly evaluate evidence demonstrating that the transactions were induced by deception and should not have been treated as validly authorized debit card transactions. 

In addition, multiple orders contained serious shipping irregularities. For example, one order ( XXXX ) was provided a XXXX tracking number that XXXX later confirmed was invalid and did not exist. In another order ( XXXX ), the merchants website displayed invalid XXXX tracking numbers, but a later email from the merchant provided a different XXXX  tracking number that showed shipment originating from XXXX. These inconsistencies and undisclosed foreign origins were only discovered after payment and are inconsistent with the merchants representations and the terms of the transaction.

Company response to consumer: Closed with monetary relief