Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Two services from XXXX Ohio to Michigan XX/XX/year> Customer cards could not pay all charges at one time, so we had to split payments. He refused to send XXXX and requested to split payments on multiple cards. Link was sent to the customer through Chase bank quick pay ; he submitted the payment he could and the rest he sent his card information and gave permission to be charged manually and through the link sent through quick accept. 
XXXX 2 cars and a trailer all the way to Michigan, He changed addresses of the two services to the address confirmed by customer to XXXX, Michigan. After payment was processed and accepted by chase quick accept, customer turned around and dispute most of the payments made except one for {$3000.00} Confirmation number XXXX card ending XXXX and then attempted to delete all messages communication. 

Dispute ID XXXX, Dispute ID XXXX {$500.00}, Dispute ID XXXX {$200.00} Dispute ID XXXX {$500.00}, Dispute ID XXXX {$500.00}. 
Chase sent dispute information to the wrong email not the email attached to the business, but I was able to respond on time and provided all information required to prove the service requested completed and payments related communication. provided a picture of the XXXX  trailer, address of the hotel where the 2 customers were staying and the 2 addresses of where they requested the vehicles to be XXXX. Chase did not do the required investigation in order to protect financial amounts from being disputed by the 2 customers who had scammed our business. Chase attempted to debit our business account 2 times for the disputed amount before settlement, when I checked on the dispute the first time her response was the customer had XXXX or XXXX, and it was their call to accept the document provided related to the dispute. Chase proceeded to hold all amounts due to be paid since XX/XX/year> through quick acceptance of a product they advertise for and allowed manual entry and creating links to be sent to the customer. They paid the dispute with no notification of why our money was on hold in any way, they failed to deliver notification to the business email address that the dispute being closed for good no appeals allowed even after the business email was updated to ensure we get proper communication dispute related. They also informed me over the phone the link was not a secured method of payment and that we would not receive communication about it. w I found out later they sent it again to the wrong email that is not the business email and failed to be transparent with me about the dispute results and how he was able to win the disputed amounts. I am out of {$1500.00} so far and more to come, their quick accept link had to have a better fraud measurement. If one of the customers had to provide the zip codes and information to match the card used and then attempt to delete the messages after the service was provided. Hotel address was provided, and they stayed at the hotel using the stolen cards!!, I believe they used each other 's cards to turn around and file a dispute which helps frauds to easily be committed. I understand consumer privacy and protecting consumer information, but I also believe lack of investigation in this case was the reason we lost the dispute challenge using Chase quick accept link. If it isn't a secured method of payment then the product should clearly state the risk, I am taking using the link through quick acceptance.

Company response to consumer: Closed with explanation