Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I reported to XXXX that I paid {$7900.00} for goods and services that were never delivered. The merchant, XXXX XXXX XXXX operating as Intuition.XXXX, took my payment and failed to provide what I purchased despite my repeated attempts to obtain delivery. Chase denied my dispute claim, stating the charge was authorized. I explained that while I did authorize the payment, I never received what I paid for. The merchant committed fraud by taking payment with no intention of delivering. Chase refused to investigate further and closed my case. For four years, I pursued legal remedies because Chase would not help me. I went through arbitration, hired attorneys, and spent over {$16000.00} in legal fees trying to recover the money Chase should have returned under their fraud protection policies. In XX/XX/XXXX, I obtained a judgment from the Supreme Court of the State oXXXX XXXX XXXX XXXXXXXX XXXX, confirming that XXXX XXXX XXXX committed fraud and failed to deliver the goods and services I paid for. The court awarded me a judgement against the fraudulent merchant which includes the payments I made to her, attorney fees, and other damages. The merchant has not paid this judgment to date. She is judgment-proof with no collectible assets. I also discovered she is a career fraudster who has victimized multiple people. I filed a complaint with the FBI Internet Crime Complaint Center because this is an ongoing criminal fraud scheme. XXXX XXXX XXXX records show complaints against this merchant from XXXX, my complaint from XXXX, and another victim complaint from XXXX. The XXXX complaint specifically states that she intentionally uses payment methods like XXXX and XXXX XXXX so that consumers can not get their money back without taking legal action. In XX/XX/XXXX, I contacted Chase again with this new evidence. I provided them with the court judgment proving fraud, the FBI complaint confirmation, XXXX XXXX XXXX documentation showing a pattern of fraud across multiple years and victims, and XXXX transaction records linking the disputed charge to the fraudulent merchant. I explained that I am well within the statute of limitations for fraud claims in XXXX XXXX XXXX Chase denied my claim again. Their response continues to focus only on the fact that the charge was authorized four years ago. They completely ignore the court judgment. They ignore the FBI complaint. They ignore the documented pattern of fraud affecting multiple victims. They ignore that I never received what I paid for. I spent four years and over {$16000.00} proving what I told Chase from the beginning was true : this was fraud and I never received my goods. A court has now confirmed this. Federal law enforcement is investigating. Multiple victims exist. Yet Chase still refuses to refund my money. Chases position appears to be that if you click pay, you have XXXX protection even when a court confirms fraud occurred. This makes no sense. I did not authorize fraud. I authorized payment in exchange for goods and services that were never delivered. That is fraud, as confirmed by a court judgment. The merchant continues to operate and scam new victims because financial institutions like Chase refuse to take action against documented fraudsters. If Chase had properly investigated my claim in XXXX, they would have discovered the XXXX complaint and potentially prevented the XXXX victim from being defrauded. Instead, Chases denial enabled this fraud to continue. I have been a Chase customer in good standing. I followed every procedure. I provided extensive documentation. I obtained a court judgment. I reported to federal law enforcement. Chase still refuses to help me recover money stolen through documented fraud. I am requesting that the Consumer Financial Protection Bureau investigate Chases handling of my fraud claim and compel them to refund the {$7900.00} fraudulent charge plus interest. Chases repeated denials despite a court judgment and FBI complaint demonstrate a pattern of refusing to honor valid fraud claims. I understand the CFPB is currently taking action against Chase for similar practices. My case is additional evidence of Chases systematic failure to protect consumers from fraud.

Company response to consumer: Closed with explanation