Consumer complaint received 2026-05-13 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: FL

Complaint narrative:
On XX/XX/XXXX, I reported XXXX unauthorized transactions on my Chase debit card ending XXXX from merchant XXXX, totaling approximately {$290.00}. The transactions are dated XX/XX/XXXX through XX/XX/XXXX. I have no relationship with this merchant. I never purchased anything from them, never signed up for any membership or trial, and have no email or other records of any interaction with them. My card number was compromised and used by a merchant I have never knowingly engaged with. Chase issued XXXX letters dated XX/XX/XXXX in response to claim XXXX. XXXX letter credited me {$89.00} for XXXX transactions from the same merchant dated XXXX, XXXX, and XX/XX/XXXX. The other letter denied the remaining XXXX transactions. I am disputing the denial for the following reasons. First, the denial letter states the disputed transactions appeared on the statement dated XX/XX/XXXX, and that I missed the reporting timeframe based on that statement. None of the denied transactions appear on that statement. The earliest denied transaction is XX/XX/XXXX, and the most recent is XX/XX/XXXX. Second, when I called Chase to dispute the denial, the phone representative stated Chase 's position is that the XXXX reporting window under XXXX XXXX runs from the first fraudulent transaction in a pattern and bars all subsequent transactions. This is inconsistent with 12 CFR 1005.6, which ties the XXXX reporting window to the periodic statement on which each unauthorized transfer appears. XXXX of the denied transactions are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all on statements within XXXX days of my report date. These are independently within the XXXX XXXX protection window regardless of when the earliest unauthorized transaction occurred. Third, the denial reasoning is internally inconsistent with Chase 's own credit decision on the same claim. Chase credited me for the XXXX oldest transactions in the claim, which would be the most out of time under the timeframe reasoning cited in the denial letter. If the XXXX rule disqualifies the claim, those should have been denied. If the credit decision is correct, the denial can not stand on the timeframe basis cited. Fourth, the merchant has a documented public record of consumer fraud going back to at least XXXX, well before any of my charges. XXXX reviews for XXXX and XXXX describe the same {$29.00} monthly recurring pattern, including consumers reporting charges without making any initial purchase from the merchant. The merchant openly advertises a {$29.00} monthly XXXX XXXX on its own site. Public consumer complaints predate my charges by approximately a year, meaning Chase 's merchant monitoring systems had ample opportunity to flag this merchant before any of my transactions occurred. Fifth, when I called Chase on the day I received the denial letter to request escalation, the representative refused to escalate the dispute, refused to provide contact information for a supervisor or the disputes investigations team, and disconnected the call while I was still speaking and had explicitly asked them not to. I am requesting : ( XXXX ) reconsideration of claim XXXX with each denied transaction evaluated against its own statement date under XXXX XXXX ; ( XXXX ) full credit for the XXXX transactions within the XXXX Reg XXXX window totaling {$140.00} ; ( XXXX ) review of the remaining XXXX denied transactions under the correct Reg XXXX standard, which limits denial outside the XXXX window only to losses that earlier reporting would have prevented ; ( XXXX ) written explanation of Chase 's findings and XXXX of documents relied upon, as provided under XXXX XXXX XXXX ( d ) ( XXXX ) ; and ( XXXX ) review of the call recording from XX/XX/XXXX, in which Chase refused escalation and XXXX the call.

Company response to consumer: Closed with explanation