Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
To Whom It May Concern : This letter serves as a formal rebuttal to the response provided by JPMorgan Chase Bank related to extensive fraud claims on my XXXX XXXX XXXX account ending in XXXX. 

Despite Chases claim of having investigated these transactions, their response lacks any verifiable evidence or detailed forensic documentation to support the conclusion that the charges were authorized. Their denial is legally insufficient under multiple statutes and their own marketing assurances. 

I. Chases Findings Contradict Their Own XXXX Liability Policy Chase openly advertises a XXXX Liability guarantee for unauthorized charges, as detailed in their customer agreement and on public marketing materials. Yet, they continue to hold me liable for dozens of transactions I reported as fraud and for which no proof of my participation has ever been provided. Their response fails to reconcile this contradiction. 

XXXX. Legal Violations Committed by Chase 1. Fair Credit Billing Act ( 15 U.S.C. 1666 ) : - Chase failed to conduct a proper investigation.

- Chase continues to report the charges as valid without providing receipts, video, or authentication data.

- Chase imposed continued liability on transactions reported within two billing cycles for many caseswell within the statutory dispute window.

2. Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) : - My timely disputes limit liability to {$50.00} if reported within 60 days.

- Chases refusal to recognize this and repeated denial of fraud disputes constitutes a breach of EFTA protections.

3. Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : - The closure of my account, particularly after initiating fraud disputes, may constitute retaliation for asserting my rights and violates the ECOA 's adverse action notification requirement.

III. False Claim of Delayed Reporting Chase attempts to evade responsibility by asserting that I 'delayed reporting. ' However : - Fraud was reported multiple times, across different years and cards ( e.g., XXXX, XXXX, XXXX ). 
- Many of the same transactions were previously reversed and later rebilled, demonstrating repeated and confusing handlingnot inaction by me. 
- Chase ignores their duty under the FCBA to re-investigate disputes when new evidence is submitted or prior responses were inadequate. 

IV. Failure to Provide Evidence or Transparent Investigation Chase has : - Refused to supply any forensic documentation, - Failed to produce transaction-level investigation notes, - Relied solely on internal system codes such as 'chip read ' or 'card presented " to deny claims both of which can be simulated via cloning or malware without consumer knowledge.

V. Demands for Immediate Redress I respectfully demand the following : 1. Full removal of all disputed transactions and reversal of associated fees/interest.

2. Restoration of the closed account or a clear, lawful explanation under ECOA.

3. A complete copy of all investigation materials, including : - Video surveillance ( if available ), - Geolocation data, - IP address logs, - Terminal ID and merchant confirmations, - Evidence of card presence validation, - Chain of custody for disputed charges.

4. Credit bureau corrections of any negative marks arising from the unresolved charges.

5. Compensation for interest and late fees on charges I did not authorize.

VI. Summary Chases latest response continues to reflect a systemic failure to honor federally mandated consumer protections. I urge the CFPB and other agencies to take enforcement action, compel documentation, and ensure Chase is held accountable for retaliatory account closure and their disregard of anti-fraud protections. 

I am concurrently working with The XXXX XXXX XXXX to assess federal civil claims. This includes relief under FCBA, EFTA, ECOA, and related statutes. 

Please contact me in writing for any further information.

Company response to consumer: Closed with explanation