Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a formal federal consumer protection complaint against Chase Bank for refusing to investigate a documented case of severe merchant processing fraud and terminal non-compliance on my account. My chronological interaction with the bank documents a severe internal compliance breakdown : On Sunday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX, I spoke directly with representative XXXX. I explicitly requested to file a non-standard merchant service billing dispute on our historical XX/XX/XXXX transactions. XXXX verified our account and explicitly stated on a recorded line that there was no time limit for this type of file and that I could absolutely file on these older transactions. Because the specialized dispute department was closed on Sunday, she instructed me to call back on Monday morning. On Monday morning, XX/XX/XXXX, at XXXXXXXX XXXX XXXX, I called back as instructed and spoke with representative XXXX. I explicitly requested to file a non-standard portfolio dispute and informed him that the billing merchant holds an invalid franchise tax status in the State of Texas and can not legally conduct business. XXXX stated the file needed to go to the specialized Dispute Department and transferred me to representative XXXX. Representative XXXX flat-out refused to open our file, incorrectly claiming that because my husband had braces, it was considered 'services rendered. ' XXXX told me my only recourses were to file with the XXXX XXXX XXXX XXXX XXXX XXXX, the state, or to take XXXX XXXX to small claims court. I requested an escalation multiple times, but XXXX repeatedly blocked the request, stating that the supervisors have the exact same computer screen constraints. After persistent pressure, I forced an escalation to supervisor XXXX. XXXX XXXX repeated the absolute denial, stating I could not file because 'services were rendered. ' I explicitly detailed the Texas Comptroller franchise tax forfeiture codes, the legal incapacity of a dead business to render services, and the active terminal fraud, but XXXX still issued a final verbal denial, instructing me to file with the XXXX or the CFPB. Of all of the charges from XX/XX/XXXX through XX/XX/XXXX the most egregiously, was the final XX/XX/XXXX financial extraction. It was executed under extreme physical and consumer duress. My husband was experiencing an active, documented medical emergencyXXXX XXXX to the hardware. The merchant explicitly refused to physically remove the braces and grant medical relief unless I advanced an immediate out-of-pocket cash payment. They forced this transaction while completely aware that valid, payable insurance funds were readily available on our plan, using our medical emergency as leverage to circumvent standard insurance assignment protocols. '' I reject Chase 's phone denials completely. This is not a standard consumer satisfaction dispute ; this is a profound merchant terminal compliance violation that completely breaks Visa/Mastercard network rules and state law. An independent public records review of the official Texas Comptroller database confirms that the billing merchant, XXXX XXXX XXXX XXXX, XXXX ( XXXX ID : XXXX ), holds an official, non-compliant status of Inactive and Forfeited. Under Texas law, a forfeited corporate entity has completely lost its legal capacity to execute consumer contracts, render lawful services, or operate credit card processing terminals. The merchant utilized a legally dead corporate clone and an unauthorized merchant ID to process a continuous stream of credit card transactions against my account from XX/XX/XXXX until XX/XX/XXXX. Because a dead company can not execute a lawful contract, these charges are entirely invalid and void at the source under state tax code. This merchant network is currently under active law enforcement and regulatory investigation by the Texas XXXX XXXX XXXX XXXX XXXX ( Case Number XXXX ) and the Texas Attorney Generals Consumer Protection Division ( Case Number XXXX ) for deceptive trade practices and electronic record manipulation. There is also a fraud case filed with XXXX XXXX ( XXXX XXXX XXXX ). While filling out this portal, I discovered that Chase 's background system has strangely auto-generated 5 separate dispute notices for these historical transactions, proving that the backend compliance software has already flagged these charges despite the verbal denials from phone staff. Chase Bank is actively providing financial clearing pipelines to a non-compliant, forfeited merchant entity. I demand that Chases Executive Compliance Team manually override the standard 60-day limit, review the verbal recordings of XXXX, XXXX, XXXX, and XXXX, pull our complete billing history back to XX/XX/XXXX, issue immediate provisional credits, and investigate this merchants processing profile.

Company response to consumer: Closed with explanation