Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) I am filing a formal complaint against JPMorgan Chase Bank regarding their handling of a dispute I submitted approximately XXXX days ago. Chase claims that their investigation has been completed ; however, I was never provided with any written notice of the outcome, nor was I given a fair or reasonable opportunity to respond or submit supporting evidence. Throughout this process, Chase failed to provide an equitable method for submitting documentation. I was instructed to fax materials, yet I never received any confirmation or acknowledgment that my evidence was received or reviewed. Additionally, Chase was aware that I did not have access to my previous account and could not upload documents electronically, as I had communicated this multiple times. Despite this, they made no reasonable accommodations to ensure I could participate in the investigation process. I am formally demanding that Chase reopen this investigation and provide me with a fair opportunity to submit evidence, respond to any claims, and fully participate in the dispute process as required by law. The underlying dispute involves an airline XXXX transaction in which my consumer rights were clearly violated. Due to the airlines negligence, my property was damaged and multiple personal items were stolen. I also paid for insurance through the airline, yet I was unable to access or utilize that coverage despite following their procedures and attempting to contact both the airline and the insurance provider. Furthermore, the airline canceled the return portion of my ticket without justification and failed to provide the remaining service in retaliation to my complaint, which amounted to {$680.00} of the original {$1200.00} transaction. Not only was I denied the service I paid for, but the ticket was also removed from my account entirely, preventing any possibility of use or recourse. This constitutes both a failure to render services and a deceptive business practice. I have substantial supporting evidence, including photographs and documentation that were faxed to Chase, as well as XXXX witnesses who are willing to provide notarized statements supporting my claims. Chase made no effort to follow up regarding missing documentation or to request additional evidence. By failing to properly investigate my dispute, failing to notify me of the results, and failing to provide a fair opportunity to submit evidence, witness statements, or equitable access to submit evidence. Chase has violated my rights as a consumer. Their actions have effectively enabled the merchant to commit fraud by charging for services not rendered and refusing to provide restitution. If this matter is not promptly addressed, I am prepared to pursue legal action for violations of my consumer rights, including my right to dispute a transaction under applicable federal law. I am requesting the following : 1. Immediate reopening of the dispute investigation 2. Written confirmation of all findings and communications 3. A fair and accessible method to submit supporting documentation 4. A thorough and lawful reinvestigation of the merchants actions 5. Appropriate resolution, including reimbursement for the disputed amount I expect a timely response and a resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation