Consumer complaint received 2026-05-14 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: MA

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding their improper denial of fraud disputes on my credit card account ending in XXXX. DISPUTED TRANSACTIONS : - Merchant : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) - Transaction Date : XX/XX/year> - Amounts : {$330.00}, {$1300.00}, and {$1300.00} - Total disputed : {$2900.00} TIMELINE OF EVENTS : - XX/XX/year> ( evening ) : I was in XXXX, XXXX at a social gathering, as evidenced by a restaurant receipt from that evening. - XX/XX/year> ( early morning ) : Chase flagged suspicious charges from XXXX XXXX XXXX and blocked my card. I called Chase immediately, reported the suspicious charges as not mine, and explicitly instructed them to ensure these charges did not go through. Chase has a recording of this call. - XX/XX/year> ( early morning ) : Despite my explicit report that the suspicious charges were not mine, XXXX charges from XXXX XXXX XXXX totaling {$2900.00} were processed on my account- all while I was in XXXX, approximately XXXX miles from XXXX XXXX XXXX location. - XX/XX/year> ( morning ) : I contacted Chase again to formally dispute all three charges. - XX/XX/year> : I checked out of my XXXX hostel, confirming continuous presence in XXXX from XX/XX/XXXX through XX/XX/XXXX. - XX/XX/year> : Chase denied all three disputes, stating " you received benefit from this transaction '' for each charge. WHY CHASE 'S DENIAL IS WRONG : 1. I EXPLICITLY REPORTED THESE CHARGES AS FRAUD BEFORE THEY POSTED : Chase 's own call recording from the early morning of XX/XX/year> will confirm that I called to report the XXXXXXXX XXXX XXXXharges as suspicious and not mine, and explicitly instructed Chase to block them. Chase allowed them through anyway and is now holding me responsible for charges I reported as fraudulent before they even posted. This is the most critical piece of evidence in this case and I am formally requesting Chase produce this call recording. XXXX. GEOGRAPHIC IMPOSSIBILITY : I was physically in XXXX on XX/XX/year>. XXXX XXXX XXXX is located in XXXX- approximately XXXX miles away. I have attached documentary proof of my continuous XXXX presence : - Restaurant receipt from XXXX, evening of XX/XX/year> - Hostel checkout receipt confirming I was checked in through XX/XX/year> - Train booking confirming my travel from XXXX I could not have received any benefit from a XXXXXXXX XXXX service while checked into a XXXX hostel. 3. THREE SEPARATE CHARGES FROM THE SAME MERCHANT IN ONE NIGHT : XXXX XXXX XXXX XXXXharged my account three times in different amounts - {$330.00}, {$1300.00}, and {$1300.00} - all on XX/XX/year>. No legitimate transportation company charges a customer XXXX separate amounts in a single night with no booking confirmation, no signed agreement, and no customer contact of any kind. XXXX. I AUTHORIZED APPROXIMATELY XXXX EUROS FOR DRINKS- NOT {$2900.00} : The only transaction I authorized that evening was approximately XXXX euros at a social gathering. XXXX XXXX XXXX charges totaling nearly {$3000.00} bear no relationship to any authorization I gave. XXXX. NO MERCHANT CONTACT : XXXX XXXX XXXX never contacted me to confirm a booking, arrange any service, or follow up. There is no evidence any chauffeur service was rendered to me. XXXX. COORDINATED FRAUD ACROSS MULTIPLE CARDS : XXXX XXXX XXXX simultaneously attempted multiple charges across my other Chase credit card on the same night. Both merchants were flagged and declined multiple times by Chase 's own fraud systems before these charges slipped through. This is a documented, coordinated fraud operation not a coincidence. XXXX. CHASE 'S OWN FRAUD SYSTEMS CONTRADICT THEIR INVESTIGATION CONCLUSION : Chase 's fraud detection flagged and declined multiple charges from XXXX XXXX XXXX before these went through. Their own systems identified these merchants as high risk, yet their investigation team concluded the approved charges were legitimate. This internal contradiction has never been explained. VIOLATION OF MY RIGHTS UNDER THE FCBA : Under the Fair Credit Billing Act, I am entitled to a thorough, good-faith investigation. Chase has concluded I " received benefit '' from three charges. This does not constitute a meaningful investigation. RESOLUTION REQUESTED : - Full credit of {$2900.00} to my account ending in XXXX - Production and review of the XX/XX/year> call recording confirming I reported these charges as fraudulent - Waiver of any interest or fees accruing on these disputed amounts - Removal of any negative credit reporting related to these charges - Review of Chase 's investigation procedures given the documented coordinated fraud pattern If this matter is not resolved through this process, I am prepared to pursue all available legal remedies including small claims court and consultation with a consumer protection attorney. ATTACHED DOCUMENTS : XXXX. Chase denial letter - XX/XX/year> XXXX. XXXX restaurant receipt - XX/XX/year> XXXX. XXXX hostel checkout receipt - XX/XX/year> XXXX. Records of multiple declined charges from XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation