Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint to formally document a billing dispute involving Chase Bank and the XXXX XXXX that has resulted in financial loss, despite my repeated efforts to resolve the matter through both institutions. 
Summary of the Issue : Sometime in early XXXX of 2025, I scheduled a payment of {$1000.00} from my Chase Bank account to pay my XXXX  Card ( issued by XXXX XXXX ). 
Due to a processing error, the payment was duplicated, and two payments of {$1000.00} were withdrawn from my Chase account totaling {$2000.00}. 
I immediately contacted Chase to dispute the duplicate payment. I was advised by a Chase representative to allow the payments to process because both transactions had the same ids and to fully avoid potential late fees, and was told that the system would self-correct. 
After processing completed, the error was not corrected. I proceeded to formally dispute the duplicate charge with Chase. 
Chase granted a temporary credit for the disputed amount of {$2000.00} while they reviewed the claim. 
Meanwhile, the XXXX XXXX issuer indicated that the original {$1000.00} payment had not settled due to Chases reversal. As a result, the XXXX XXXX account registered a missed payment, and I was assessed interest and late fees. 
To protect my credit and resolve the XXXX XXXX account, I manually paid {$1500.00} to cover the original amount plus interest and fees. 
Later, Chase partially reversed the claim, stating that only one of the two {$1000.00} payments was valid and debited {$1000.00} from my account again. 
This left me having paid a total of {$2600.00} ( including the debt I had left over on my XXXX XXXX ) for a {$1000.00} balance an overpayment of {$1000.00}. 
Efforts to Resolve the Issue : I have contacted both Chase Bank and the XXXX XXXX issuer multiple times seeking clarification and reimbursement for the overpaid amount. 
Despite this, neither institution has taken full accountability. Chase asserts one of the {$1000.00} payments was valid and refuses to refund the second. The XXXX XXXX issuer maintains that they never received the original payment due to Chases reversal, until I manually paid off the {$1500.00}, which caused them to assess fees and interest. 
What I Am Requesting : I am respectfully requesting the CFPBs assistance to : Review the handling of this duplicate payment by Chase Bank. 
Investigate whether Chase correctly adjudicated the duplicate dispute. 
Determine responsibility for the overpayment of {$1000.00}, and assist in securing a refund for the duplicate charge and related costs ( including interest and fees caused by this issue ). 
This situation has caused unnecessary financial strain and reflects a concerning gap in consumer protection between two major financial institutions. I have retained transaction records, screenshots, dispute confirmation numbers, and correspondence, and I am happy to provide these to support this complaint. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation