Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
Complaint : Mishandled Fraud Investigation / Harm to Reputation Events On XX/XX/XXXX, I filed a trademark with the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). On XX/XX/XXXX, I received a call flagged Potential Spam. Having worked for a company using Internet calling, I know spam labels can be false. The caller claimed to be XXXX, referenced my application, and after a 16-minutes call, requested {$420.00}. They sent both a text and email to verify identity, appearing official. I am XXXX XXXX XXXX and believed them. 
On XX/XX/XXXX, I checked my XXXX account and saw my application was not assigned. Reviewing the email, I found the domain officialTrandmark.XXXX.com fraudulent. I used XXXX to confirm the scam. I contacted Chase, which provisionally reversed the {$420.00} and opened an investigation. 
On XX/XX/XXXX, Chase informed me via secure message that I was deemed the fraudulent actor. I immediately contacted them with new evidence : an official XXXX email confirming my legitimate interview. I requested a short extension to provide this proof. Chase refused, closed the case, re-debited my account, and effectively branded me a liar and fraud.

Harm Caused 1. Denial of Due Process : Chase refused to consider new evidence, violating my right to a reasonable investigation. I was denied even 10 days to defend myself.

2. Reputational Harm : Chases finding falsely labels me fraudulent, potentially damaging all future banking relationships.

3. Personal Impact : I have decades of spotless records : FBI clearance ( XXXX ), CA XXXX XXXX XXXX XXXX # XXXX, XXXX  years as XXXX XXXX XXXX, XXXX  years board member People Reaching Out ( teen drug prevention ), XXXX XXXX Business Roundtable, and XXXX XXXX XXXX XXXX coach. To be called a liar and fraud without due process is unconscionable. 
Legal and Regulatory Basis 1. EFTA Reg E ( 15 U.S.C. 1693 ; 12 CFR 1005 ) : Requires reasonable investigation of unauthorized transfers. Chase failed by refusing new verifiable evidence.

2. CFPA ( 12 U.S.C. 5531 ) : Prohibits unfair, deceptive, or abusive practices. Closing while ignoring evidence is abusive.

3. FCRA ( 15 U.S.C. 1681 ) : Banks internal fraud notations function as negative consumer data. Chases false designation risks my financial standing.

4. Common Law Defamation : By branding me fraudulent, Chase inflicted reputational harm equivalent to slander.

Requested Resolution 1. Reopen the fraud case. 
2. Review all evidence, including XXXX correspondence. 
3. Remove all negative internal notations.

4. Written acknowledgment that I was the victim, not the perpetrator.

5. Restore {$420.00} pending outcome of a fair review.

Closing Statement I was first scammed by a third party, then harmed again by Chases flawed policies that let disputes close without affording customers a chance to present evidence. This is unjust and unlawful. I request regulators require Chase to comply with Reg E, FCRA, and CFPA and correct the harm to my finances and reputation. 
Evidence Available XXXX Filing Confirmation ( XX/XX/XXXX ) Call Notes ( XX/XX/XXXX ) Fraudulent Email Screenshot ( XX/XX/XXXX ) XXXX  Account Screenshot ( XX/XX/XXXX ) Chase Credit Notice ( XX/XX/XXXX ) Chase Secure Message ( XX/XX/XXXX ) XXXX Interview Email ( XX/XX/XXXX ) Call Notes Refusing Evidence ( XX/XX/XXXX )

Company response to consumer: Closed with monetary relief