Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
FINAL ADDENDUM CFPB COMPLAINT DATED XX/XX/XXXX Clarification Regarding Prior Submissions ( XX/XX/XXXX and XX/XX/XXXX ) : This complaint, submitted on XX/XX/XXXX, serves as a formal addendum to CFPB case numbers XXXX ( submitted XX/XX/XXXX ) and XXXX ( submitted XX/XX/XXXX ). It is intended to clarify and expand upon those prior complaints with additional documentation and context. 

this new submission follows XXXX prior CFPB complaints Case ID XXXX ( XX/XX/XXXX ) and Case ID XXXX ( XX/XX/XXXX ). For both of those cases, the following conditions apply and should be marked accordingly to prevent further delay : Did I attempt to resolve the issue with the company? Yes, in both complaints. 

Am I requesting information from the company? Yes, in both complaints. 

Was the requested information provided? No in both complaints, Chase only provided partial metadata ( e.g., date and mode of interaction such as phone call or in branch visit ) and withheld the full content or transcript of the relevant internal documents. 

This context applies equally to both cases and supports the current complaints urgency, scope, and documentation requests. 

After I corrected the Chase dispute in XX/XX/XXXX to reflect both accurate and inaccurate details truthfully, Chases PDF documents no longer reflected those updated changes, even though they did process them as I requested. These corrected adjustments are visible in my personal PDF of the XX/XX/XXXX statement, yet missing from their official PDFs, creating major inconsistency. 

For example, several XXXX XXXX XXXX transactions were marked as paid and refunded, yet the balance remains, inaccurately inflating what I owe. This contradiction between action and record can not be explained by a minor internal mistake. 

What was previously referred to as a glitch now can not in practice be a glitchrather, it appears to stem from improper digital instruments, insufficient oversight, and systemic weakness within staff processing practices ( systemic processing and handling error ). Chase has not been able to explain these irregularities creating a phantom balance. 

Despite requesting all documentation related to this issue, I was only given interaction dates and whether each contact was by phone or in-personno meaningful documentation about the dispute itself was ever provided. 

I did try to resolve this issue directly with Chase. I made clear and thorough requests to Chase asking for full documentation. The answers I received consisted only of basic details that lacked context or substance. 

Additional Context : I suffer from the following XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) And the following medical conditions : Updated for full accuracy XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX These XXXX  and XXXX XXXX XXXX are chronic, and I have not been able to receive ongoing treatment or medication due to time-sensitive financial and professional instability. 

I have only been able to engage with XXXX crisis call services during this timeI can verify the timestamps of these calls from my phone history, though I do not have transcripts. 

I hold a XXXX XXXX in XXXX XXXX, and despite a past supervisor unfairly framing me, I won my case and recovered my professional residency. 

However, due to sabotaged references, Ive been unable to obtain XXXX employment in my field or any other, further escalating the hardship. I explained to Chase that these are temporary career setbacks, and that my father and I plan to launch a business once I pass my professional exam. That I appear to be irresponsible temporarily due to circumstances that are not only hard to explain but that are not my fault. 

Nevertheless, my chronic XXXX XXXX XXXX XXXX conditions are not temporary, and must be understood as long-term, exacerbated by financial and emotional distress. 

Chase has refused to recognize the full scope of this crisis and the disproportionate impact of their conduct on a consumer in my circumstances.

Company response to consumer: Closed with explanation