Consumer complaint received 2026-05-18 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: NY

Complaint narrative:
An unauthorized transaction for a concert ticket was made on my account on XX/XX/year> through a XXXX installment app named XXXX. The transaction was for {$620.00} and the payments were split into four payments to be made every two weeks in the amount of {$150.00}. Upon doing my own investigation, I realized that my child whos a minor completed the transaction without my knowledge or approval. I contacted my bank which is J.P. Morgan Chase Bank on XX/XX/year> to make them aware of what was going on with this transaction. I was granted a temporary credit of {$150.00} which was the first installment of the {$620.00} transaction. Since this date, I called the bank several times to receive an update and I wasnt given any update related to the unauthorized transaction claim. I finally spoke to a representative from Chase bank on XX/XX/year> regarding my claim and I informed them that despite me reporting the unauthorized transaction to them on XX/XX/year>, the other three ( 3 ) transactions totaling {$460.00} related to this claim was still paid out through my checking account. I was then told from the chase bank representative that the transaction was valid because the transaction was made by my minor child even though I explicitly stated that I did not authorize the transaction. Unlike the original representative I spoke to on XX/XX/year> who issued me a temporary credit, this representative of Chase bank didnt properly resolve my issue and told me to contact the merchant because it was nothing that Chase bank could do for me. I then asked for my call to be escalated to a manager and they were also of no help because I was told the same exact information the representative I spoke with first told me. I was told to have my child who happens to be a minor, that they should call the merchant to explain that they were the one who made the unauthorized transaction so that I could possibly get my money back. This isnt a standard practice nor does it sound appropriate to have my minor child call and explain to these companies that they made an unauthorized transaction. Since the first representative and the manager was of no help, I disconnected the call with them and called back. I spoke to another representative who understood my point in this situation but couldnt do anything because the manager above him was handling the situation. I was told to contact an outside agency which is what Im doing now to have this issue resolved and to bring awareness to Chase Bank inappropriateness to act on my behalf as a consumer and the inappropriate business practices. Please keep in mind that when I originally reported the unauthorized transaction on XX/XX/year>, I explained the situation in detail the same exact way I explained it on XX/XX/year>. The temporary credit I was given on XX/XX/year> of {$150.00} was closed in my favor and that transaction was never reversed which was a decision that was made by chase bank. The remaining three ( 3 ) transactions I called about on XX/XX/year> I didnt get any assistance with nor do I have access to the concert ticket that the transaction was placed for. So as of now Ive paid {$460.00} for a concert ticket that I dont have access to because the transaction was cancelled in my favor but the money was never returned to me. Im asking for assistance in this matter because I believe that Chase Bank has failed to act in my best interest as a consumer and to reimburse me my money for the unauthorized transaction.

Company response to consumer: Closed with explanation