Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Formal Complaint Mishandled Dispute, Refusal to Provide Records, and Refusal to Delete Inaccurate Record Dear Sir or Madam, I am submitting this formal complaint regarding the actions of JPMorgan Chase Bank and XXXX XXXX XXXX ( XXXX ) in relation to XXXX high-value disputed transactions belonging to XXXX XXXX XXXX XXXX 

From XX/XX/XXXX through XX/XX/XXXX, Chase failed to properly handle the disputes that were formally filed. Chase requested supporting documentation with a deadline of XX/XX/XXXX. All requested documents were fully submitted on XX/XX/XXXX at XXXX A.M. via the Chase mobile application and fax, more than XXXX hours before the banks official business hours. 

Despite this, on XX/XX/XXXX, Chase issued a premature debit decision before reviewing the documents and before the banks own deadline expired. 

On XX/XX/XXXX, Chase debited {$320000.00}, causing the account to enter a negative balance. Later, official independent correspondence from XXXX confirmed that Chase only submitted XXXX disputes to the card network and never submitted the remaining XXXX disputes. This proves that Chases investigation was incomplete and procedurally defective. 

Chase then closed the case and reported a negative record to XXXX XXXX XXXX based on incomplete and misleading information. 

During this entire period, I repeatedly and formally requested in writing : Merchant letters Internal investigation records Correspondence between Chase and XXXX Written responses instead of phone calls Permanent deletion of the inaccurate XXXX record Chase employees consistently refused to provide written responses and avoided documentation. Some employee email addresses later returned User Unknown when I attempted to follow up. 

Additionally, representatives from Chases XXXX XXXX repeatedly called me and instructed me not to record the calls, stating that I did not have the right to do so. I informed them that under XXXX XXXX one-party consent law, I have the legal right to record such conversations. 

Almost all calls are preserved upon request, and these recordings clearly demonstrate the banks failure to properly manage the dispute and its refusal to correct and delete the inaccurate record. 

More seriously, Chase closed my accounts while the dispute was still active and unresolved. 

From XX/XX/XXXX through XX/XX/XXXX, Chase continuously delayed resolution, stating they need more time, without providing any meaningful response, investigation outcome, or the requested documentation. 

I formally requested written clarification, investigation records, copies of internal findings, and permanent deletion of any negative internal or external records related to this matter. Chase did not provide the requested information. 

I have given Chase more than sufficient time and opportunity to resolve this matter in good faith. 

The funds involved are lawful XXXX capital for my XXXX company, and Chases handling of this matter caused severe financial and operational harm. 

I respectfully request regulatory intervention to require Chase to : Provide the requested documentation and investigation records Correct and permanently delete any improper records, both internally and at XXXX Formally close this matter in accordance with federal banking compliance standards Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation