Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Dear Chase Corporate Office, I am writing to formally escalate and lodge a complaint regarding Case XXXX, originally initiated on XX/XX/year>. This matter involves a series of XXXX unauthorized and/or improperly processed transactions that have resulted in substantial financial loss and significant inconvenience. At the outset, I followed all instructions provided by XXXX ( XXXX ), who directed me to attempt resolution directly with the merchant. My efforts were unsuccessful. The merchants communication channel is automated, producing only generic responses and offering a nominal {$5.00} goodwill payment. Subsequently, the merchant acknowledged that the situation stemmed from a misunderstanding regarding how payments were being received and withdrawn. I made it unequivocally clear that this was not acceptable, that all funds taken from my account must be returned, and that any funds they had deposited into my account could likewise be reversed. When I initially reported this issue, my losses were approximately {$3000.00}. Upon further review, I determined the total exceeded {$6000.00}. I then contacted Chase to file a claim. Despite my request to consolidate this matter into a single claim, Chase created four separate claims for what is clearly the same incident. To date, three claims have been approved : # XXXX # XXXX # XXXX However, Claim # XXXX and was subsequently denied on the basis that this is a merchant dispute. This characterization is incorrect. This is not a billing disagreement or service-related dispute ; it is a matter involving unauthorized or improperly executed transactions, as evidenced by the documentation I provided from XXXX ( XXXX ) at the outset. Additionally, I am formally requesting an explanation regarding a statement made to me by a Chase representative during a recorded phone call. I was informed that Chase could not handle ACH transaction chargebacks. Based on my independent research, this statement appears to be inaccurate. Given that this conversation was recorded, I expect Chase to review the call and provide a formal response clarifying this position. Further, I am deeply concerned that Chase failed to flag or alert me to these transactions as potentially fraudulent until after they had already posted to my account. There were hundreds of such transactions, and this lack of timely detection represents a significant breakdown in fraud monitoring and customer protection. I must also note that the level of customer service I have received throughout this process has been far below the standard I have previously experienced with Chase. I have been required to repeatedly follow up with both the XXXX XXXX and XXXX XXXX to obtain updates and action on this matter, which is unacceptable given the severity and scale of the issue. To reiterate, this is not a misunderstanding or a legitimate dispute with a merchant. It is a case of improper and unauthorized financial activity that requires full resolution. Accordingly, I request the following : Immediate reconsideration and reversal of the denial of Claim # XXXX A formal explanation regarding the statement about ACH chargeback handling. A review of Chases fraud detection and notification processes as applied to my account. Prompt reimbursement of all remaining disputed funds. Sincerely, XXXX XXXX XXXX Because these transactions involve gaming and prize-based activity that XXXX itself prohibits under its User Agreement unless specifically approved, their continued processing of these charges after receiving notice directly contradicts their stated policies and consumer protection responsibilities. Furthermore, XXXX apparent ongoing relationship with XXXX seems inconsistent with their own published restrictions regarding gambling and skill-based gaming transactions. It also appears that, when customers question or dispute these transactions, XXXX response is often to restrict or ban customer accounts rather than properly investigate the reported activity and protect consumers from further unauthorized charges. I acted responsibly and in good faith throughout this situation. XXXX failure to prevent additional transactions after notice was provided, combined with the discrepancies between the XXXX statements and my Chase account records, materially contributed to the losses reflected in this claim. For these reasons, I respectfully request that Chase approve the chargebacks associated with claim # XXXX and credit the disputed amounts back to my account. I also feel that this claim was not handled the same as the others, which I tried to file just one claim. I received no temporary credit, no information, just denial from Chase and the letter from XXXX at the XXXX office patronizing me and informing me that they will not have my Chase claim approved. Which, I do believe the final decision is up to you. Thank you for your time and consideration. Please let me know if any further information or supporting documentation is needed. I am truly sorry for all this. I would of just contacted Chase and never XXXX. I will never use them again and share my situation with everyone I I know so this nightmare does not happen to anyone else. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation