Consumer complaint received 2026-03-12 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: CA

Complaint narrative:
I am filing this complaint regarding {$110000.00} in unauthorized credit card transactions associated with my account at JPMorgan Chase. These transactions were not authorized by me, not approved by me, and not initiated by me. I did not receive any goods, services, or financial benefit from them. I reported the fraud to Chase on XX/XX/year>. Relevant references : Claim Number : XXXX Escalation Case Number : XXXX Despite prompt reporting and extensive cooperation, the matter remains unresolved more than three months later. Since reporting the fraud, I have submitted documentation and sent over 140 written communications, along with multiple voicemail messages requesting investigation updates and resolution. On XX/XX/XXXX, I received a call from XXXX in management, who stated that he reviewed my account and observed spending patterns inconsistent with my normal activity and that the transactions appeared fraudulent. He stated he added notes to the account reflecting these observations. However, I have received no follow-up communication from XXXX or any other management personnel regarding the investigation or claim resolution. Additionally, I spoke with XXXX in the Chase Executive Office last week and again this week seeking an update. During both conversations she was unable to identify who XXXX was, unable to confirm his role, and unable to provide any status regarding the investigation. Despite the ongoing dispute : No funds have been returned No meaningful investigative findings have been communicated The claim has been marked closed while the dispute remains unresolved The {$110000.00} balance remains outstanding The denial appears to rely primarily on identification materials uploaded to a third-party application and records showing funds being deposited and subsequently spent. However, those same records show the funds were immediately spent or transferred out by whoever conducted the activity, which does not demonstrate that I authorized the transactions or received any financial benefit. Under the * * Truth in Lending Act and Regulation Z, cardholders are protected from unauthorized credit card transactions and liability is typically limited to {$50.00} or less when fraud is promptly reported. I reported the fraud promptly and have fully cooperated with Chases investigation. Given the amount involved and the length of time that has passed, I am requesting regulatory assistance to ensure Chase complies with its obligations to conduct a reasonable investigation and resolve this billing error. Requested resolution : Reopening of Claim # XXXX Full reversal of the {$110000.00} in unauthorized charges Removal of all interest and fees associated with those charges Correction of any credit reporting associated with the disputed balance Written documentation of the investigation findings Given that these transactions were reported as unauthorized on XX/XX/year> and involve {$110000.00}, I am concerned that the handling of this claim may not comply with the investigation and billing-error resolution requirements under the Truth in Lending Act and Regulation Z. I respectfully request that this matter be reviewed by the appropriate regulatory compliance team and that the creditor provide documentation demonstrating that a reasonable investigation was conducted before denying and closing Claim # XXXX. I am requesting immediate review of this matter and assistance ensuring the bank complies with federal consumer protection laws governing unauthorized credit card transactions.

Company response to consumer: Closed with explanation