Consumer complaint received 2025-11-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Complaint of Financial Injury and Account Mismanagement XXXX XXXX I am submitting this affidavit to document financial harm, unauthorized account activity, negligent reporting, and credit damage caused by Chase Bank, XXXX XXXX XXXX, and associated payday lenders. 

This Complaint is submitted to correct false reporting, unauthorized financial activity, and mismanagement that has negatively impacted my credit score, financial stability, and reputation. The harms include : Unauthorized payday loans Over-limit credit card activity Account duplications Unreturned chargebacks Denial of legitimate refunds Closure of a 17-year bank account without proper explanation Factual Timeline XXXX XXXX Chase Account Misconduct & Closure My Chase account was closed after I lawfully disputed charges for merchandise I never received from online vendors ( XXXX, XXXX, and similar services ). 

Chase cited allegedly fraudulent IRSXXXX XXXX checks as justification, which were later confirmed legitimate. 

Closure occurred without explanation or resolution. 


2. Freedom Credit Card Mismanagement I held a Freedom credit card with a {$300.00} limit. 

Chase allowed the balance to exceed {$600.00} without my authorization. 

The account was subsequently reported as closed/charged-off, harming my credit profile. 


3. Duplicate Accounts Chase created two checking and two savings accounts without my authorization. 

My bucket list savings account, with XXXX XXXX monthly contributions, was mismanaged, with funds applied to non-sufficient fund fees and never returned. 


XXXX. Rewards and Cashback Interference Chase repeatedly disabled my cashback/rewards functionality. 

I had to manually re-enable it repeatedly to receive benefits for legitimate purchases. 


XXXX. Unauthorized {$90.00} XXXX Transaction A payment of {$90.00} was processed through XXXX to a therapy merchant I never authorized. 

My XXXX account was opened in XXXX but unused until XX/XX/XXXX. 

Legitimate therapy services were paid by XXXX, not XXXX. 

Chase refused to refund the unauthorized charge. 


XXXX XXXX XXXX XXXX Non-Response Certified mail sent to XXXX XXXX XXXX was returned, showing refusal to accept my dispute documentation. 


XXXX. Power of Attorney Ignored A legally executed Power of Attorney submitted to Chase via certified mail was never acknowledged or processed. 

Harm and Damages XXXX Credit Damage Prior to the disputed activity, my credit score was approximately XXXX. 

Following false payday loan entries and mismanagement, my score dropped to below XXXX. 

This has resulted in denial of credit cards ( including a XXXX XXXX XXXX  ) and inability to obtain car loans or other consumer credit. 


XXXX. Financial and Reputational Impact Inaccurate reporting has caused long-term financial harm. 

My creditworthiness and financial reputation have been unjustly damaged. 

I Demands for Correction I hereby request : 1. Immediate investigation and removal of unauthorized {$90.00} transaction. 


XXXX. Correction and removal of all false or negative entries related to Chase, XXXX XXXX XXXX and payday lenders. 


XXXX. Updated reporting to all major consumer credit bureaus. 


XXXX. Written confirmation of corrective actions and restoration of my credit profile. 

VII. Declaration I declare under penalty of perjury that the foregoing statements are true and correct to the best of my knowledge, information, and belief. 
XXXX XXXX

Company response to consumer: Closed with explanation