Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding an unauthorized transaction and the handling of my dispute. An unauthorized charge was made on my card for a XXXX XXXX order. I reported the transaction to Chase and a fraud claim was opened. Chase issued a temporary credit while investigating. 
XXXX XXXX canceled the order, which means no goods or services were received. XXXX XXXX also failed to issue any refund back to my account. There is no refund posted and XXXX XXXX has provided no documentation or receipt showing that they sent a refund. 
Chase later denied my dispute based on the merchants claim that a refund was issued, even though no refund exists on my account and no verifiable proof was provided by the merchant. I requested documentation of the refund from Chase and was told none could be supplied. Chase closed the case without confirming that any refund ever reached my account. 
This situation remains unresolved. I am requesting that Chase reopen the investigation as a Regulation E error claim, perform a refund trace to confirm whether any refund from XXXX XXXX ever posted, and provide the documentation used to deny my case. I also request that Chase reverse the unauthorized charge since the merchant never returned the funds. 

XXXX XXXX XXXX XXXX XXXX  Chase relied on a vague merchant statement that I benefited from the transaction, even though no merchandise was delivered and no refund was issued. Chase refused to provide me the alleged evidence from the merchant that genuinely supports this claim. In the recording attached you will hear that they admitted that. 



1. Unauthorized charge occurs An unauthorized transaction was made on my card for a XXXX XXXX order. 
I did not authorize this purchase and did not receive any goods or services. 

2. I report the charge to Chase I contacted Chase immediately. 
Chase opened a fraud claim and issued a temporary credit during their investigation. 

3. XXXX XXXX cancels the order The merchant canceled the order on their end. 

Once the order was canceled, a refund should have been processed, but none was sent to my account. 

4. No refund is received I checked my account history repeatedly. 
No refund ever posted. 
I received no documentation, email, refund confirmation, or proof from XXXX XXXX. 

5. Chase denies my dispute Chase later denied my claim based on XXXX XXXX stating they refunded me. 
Chase could not provide me with any proof of a refund or any merchant documents showing the refund occurred. 

6. Attempt to resolve with both parties XXXX XXXX refuses to provide refund documentation. 
Chase refuses to reopen the dispute, even though there is no record of a refund on my account. 

7. Issue remains unresolved I am left with an unauthorized charge and no refund. 
The merchant has not returned the funds. 
Chase relied on unverified information to deny my claim. 
What I am requesting Reopening of the dispute as a Regulation E error claim. 
A refund trace on my account to confirm whether any refund posted. 
Reversal of the unauthorized charge since no funds were returned. 
Correct handling of the dispute in accordance with federal law.

Company response to consumer: Closed with monetary relief