Consumer complaint received 2026-04-21 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: NC

Complaint narrative:
On XX/XX/year>, I noticed I had monthly duplicate charges from XXXX XXXX ( Im a XXXX ) dating back XXXX years. This is a significant amount of money. I reached out to XXXX regarding these charges and it was agreed upon that a duplicate account was created and that they would refund me for 48 months ( I have a screenshot documenting this agreement with the XXXX agent ), for a total of XXXX refunds. On XX/XX/year>, I was refunded for XXXX of these XXXX charges and haven't received any further refunds to my Chase checking account ending in XXXX. In fact, Chase has reversed these refunds. I have contacted both XXXX and Chase numerous times over the past month to find out where the other XXXX refunds are. XXXX claims the issue is with Chase and have provided me with receipts of ALL XXXX refunds being successfully refunded and processed. All of these charges were made using debit cards associated with my Chase checking account ending in XXXX. A number of the charges were made to old/expired debit cards ; however, that should not matter since all of the debit cards were associated with my Chase account ending in XXXX. Again, XXXX has told me the issue is with Chase. And when I contact Chase, I'm told there are no incoming credits to my account. I have documentation in a PDF that contains : XXXX. ) My case with XXXX and their declaration that all XXXX refunds have been processed, alerting me that I should reach out to my bank [ Chase ] with any issues in receiving the refunds. XXXX. ) The first virtual chat I had with a live XXXX agent in which they guaranteed me XXXX refunds for the duplicate account dating back XXXX years. XXXX. ) Receipts from XXXX for all of the successfully processed refunds on their end. Again, I have not received any refunds posted to my Chase account since XX/XX/XXXX -- even though XXXX has receipts stating they have been processed to the debit cards tied to my Chase account ending in XXXX. I want my money that is rightfully due to me and will continue to pursue this even if I have to do so legally. I have contacted Chase numerous times and have not received any resolution and very little help. I'm a XXXX with limited income and am livid that Chase is withholding refunds from me. I have documentation regarding all invoices and billing history for BOTH the duplicate and the authorized XXXX accounts that were both debited from my Chase checking account ending in XXXX. Re : XXXX Accounts : Account : XXXX was billed on the XXXX of each month. XXXX refunds were processed successfully by XXXX on XX/XX/year>, appear in this account 's invoice and billing history. Chase is withholding these refunds. Account : XXXX was billed on the XXXX of each month. No credits appear in this account 's invoice and billing history. Re : Visa Debit Cards Linked to Chase Account Ending in XXXX : All the charges -- from both the duplicate account and the account I used as a XXXX -- were processed on Visa debit cards linked to my Chase checking account ending in XXXX. My current debit card is the one that ends in XXXX. I don't save expired cards and obviously do not have cards that were lost ; the XXXX debit cards that were charged by XXXX ending in XXXX and XXXX were either debit cards that expired or were lost ( they were both linked to my Chase account ending in XXXX which is why I'm confused as to why this is even an issue holding up the refund to my checking account ). Again, my current debit card is the XXXX ending in XXXX. Re : XXXX Communication : I have documentation of my dialogue with XXXX customer service on XX/XX/XXXX in which, and I quote, they " initiated the refund of 3 years on XXXX account and 1 year on the other overall [ they ] have initiated the refund of 4 years which is USD {$1000.00}. '' Chase is withholding these refunds that XXXX has successfully processed and can provide documentation of all XXXX refunds. Please attend to this matter with consideration and promptness. Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief