Consumer complaint received 2026-04-07 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: AR

Complaint narrative:
Re : JPMorgan Chase Bank , N.A . Account Ending in XXXX XXXX Arbitration Case No. XXXX IMPORTANT NOTICE NEW MATERIAL EVIDENCE This submission contains new, material evidence not previously presented. It is not duplicative. Any attempt to suppress, misclassify, or administratively close this complaint as " duplicate '' without substantive review will be documented and submitted as evidence in the pending XXXX arbitration proceeding. I. PURPOSE OF THIS FILING This complaint uses the account ending in XXXX as a representative account. The accounting failures, reconciliation defects, and Regulation Z investigative failures identified herein are consistent across all four subject accounts ending in XXXX, XXXX, XXXX, and XXXX. Account XXXX is presented as a representative sample because it contains the most complete and independently verifiable dataset. The defects are not isolated to this account they reflect a systemic failure across the entire relationship. II. THREE IRRECONCILABLE DATASETS ACCOUNT XXXX For the account ending in XXXX, Chase maintains three separate records : System-generated dispute confirmation emails Executive Office denial letter dated XX/XX/year> Official monthly account statements If a valid investigation occurred and a reliable ledger existed, these records would reconcile. They do not. XXXX. CHASE 'S OWN RECORDS DO NOT MATCH Emails : 1,577 disputes totaling {$230000.00} Chase denial letter : {$240000.00} in disputes Difference : {$17000.00} with no identified transactions Chase 's claimed total exceeds its own transaction-level record by {$17000.00}. No transactions have been identified to account for this difference. IV. CLAIMED REBILLS WITH NO LEDGER SUPPORT Chase claims {$96000.00} in rebills on this account. However : No transaction-level list has been produced No statement entries reflect this activity No ledger entries correspond to this amount If rebills occurred, they must appear in the account ledger. They do not. V. ACCOUNT STATEMENTS CONTRADICT CHASE 'S POSITION The official account statements the controlling ledger show : Balances repeatedly returning to {$0.00} or near XXXX No large-scale credits No rebill activity at any scale No entries supporting Chase 's claimed totals Chase asserts six-figure dispute and rebill activity. The account ledger reflects none of it. VI. ADDITIONAL CONTRADICTION INTEREST REFUND Chase issued an interest refund of approximately {$460.00} on this account. A creditor does not issue interest refunds on balances it considers fully vali d while simultaneously asserting over {$240000.00} in legitimate charges. This directly contradicts Chase 's " no billing error '' determination. VII. ABSENCE OF REQUIRED CREDIT ACTIVITY Rebills require prior provisional credits. However, the account statements reflect : No credits at the scale claimed No provisional credit entries No transaction-level entries supporting any credit phase If provisional credits occurred, they must appear in the ledger. They do not. VIII. NON-RECONCILABLE RECORD The three datasets produce mutually exclusive financial realities : Emails : {$230000.00} ( verified, transaction-level ) Denial letter : {$240000.00} in disputes + {$96000.00} in rebills Account statements : no corresponding activity reflected These figures can not be reconciled to a single, consistent ledger. The same pattern of non-reconciliation is present across all four subject accounts this is not an isolated condition limited to Account XXXX. IX. DISPOSITIVE ISSUE Chase must identify : The exact statement line items where {$240000.00} in disputes appears The exact statement line items where {$96000.00} in rebills appears No such entries exist in the account record. The same dispositive question applies to each of the four subject accounts. X. REQUESTED RELIEF I request that the CFPB require Chase to : Produce a complete, transaction-level ledger for the account ending in XXXX Identify each transaction included in its claimed dispute total Identify all alleged rebill transactions with corresponding dates and amounts Identify the exact statement entries supporting those amounts Additionally, I request that Chase be directed to : Immediately credit and refund all charges associated with the disputed transactions including the full amount of every disputed transaction for which Chase can not produce a compliant transaction-level investigation Remove and permanently XXXX out any remaining balance related to those disputed charges Reverse and refund all interest, fees, and finance charges tied to the disputed amounts, including any interest that accrued during or after the dispute period Issue a check or account credit for any amounts already collected that correspond to disputed transactions lacking ledger support Correct any adverse credit reporting related to this account and all four subject accounts Provide written confirmation of all credits, refunds, and balance adjustments made XI. CONCLUSION Chase 's own records establish that : Transaction-level data does not match claimed dispute totals Claimed financial activity is not reflected in the account ledger Required credit and rebill activity never posted to the statements Financial adjustments were issued inconsistent with Chase 's stated position These failures are not limited to Account XXXX. A cross-account analysis of all four subject accounts reveals a combined gap of {$310000.00} between Chase 's claimed dispute totals and its own transaction-level records with an entire fifth account ending in XXXX omitted from Chase 's financial universe entirely. A balance that can not be traced to identifiable transactions and reflected in the account ledger is not enforceable on any account. This matter requires immediate regulatory review. A formal Demand for Arbitration is pending before XXXX ( XXXX XXXX. XXXX ). Claimant is in active consultation with counsel experienced in TILA and consumer arbitration matters. Any further suppression of this record will be presented to the arbitrator as evidence of a continuing pattern of bad faith conduct.

Company response to consumer: Closed with explanation