Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
We are submitting this complaint and documentation to report a serious financial harm caused by the improper actions of both a property management company and a debit card issuer. Despite providing extensive evidence of payment in full and receiving a temporary chargeback in our favor, the funds are planned to be clawed back without justification on XX/XX/XXXX. We are requesting that the Consumer Financial Protection Bureau intervene to review the practices involved, including the failure of Chase Bank to thoroughly investigate their clients unauthorized withdrawals and dispute resolution fairness.\n Our claim with Chase Bank is to dispute an unauthorized charge from rental management company XXXX XXXX in XXXX XXXX NC XXXX XX/XX/XXXX. We had paid every month of the years lease ( XX/XX/XXXX to XX/XX/XXXX ) with the final month being prorated for the partial month of XXXX. We handed XXXX XXXX management the physical check of {$750.00} on XX/XX/XXXX ( as per their request ). They did not immediately apply the check to our account. The auto-pay, which we had stopped, then initiated the unauthorized withdrawal of {$2300.00} from our Chase debit card account. This full month of rent was taken after we paid the final proration amount of {$750.00} for the period of XX/XX/XXXX to XX/XX/XXXX. However, as clearly demonstrated in the enclosed documentation, including the executed lease, payment history, and amended transaction ledger, we fully satisfied all lease obligationsincluding rent and utilitiesthrough our end of lease date and we vacated timely on XX/XX/XXXX, XXXX XXXX accounting department was fully aware that the XXXX prorated rent payment had been made by check and intentionally delayed its deposit until after the unjustified debit card charge was processed. This act, combined with a manufactured ledger indicating a refund of a security deposit that was never originally collected, constitutes misrepresentation and bad faith collection activity by XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX sent us a check for {$1400.00} for a manufactured security deposit. The {$1400.00} refund check per XXXX XXXX could not be stopped. XXXX XXXX strongly requested our bank account to deposit the check electronically, which we refused to provide, so they said said they have to send us a physical check. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX agreed that the XX/XX/XXXX letter and new summary of move out charges balance of {$1500.00} was the sum of {$1400.00} check + XXXX utilities ( XX/XX/XXXX - XX/XX/XXXX ) final water read. I then received a call out of the blue from XXXX. XXXX XXXX @ XXXX XXXX our apartment complex in question. First she was the person who insisted on holding our prorated final rent check, not depositing it on XX/XX/XXXX and now XXXX called to insist that we cash the {$1400.00} ASAP and then pay XXXX the balance which will add our final water bill read after move out. Further, XXXX XXXX XXXX XXXX, Community Manager said on XX/XX/XXXX, that she will not contest our {$2300.00} chargeback because we had already paid the {$750.00} final prorated move out on time. 
\nTherefore, we disputed this {$2300.00} charge with Chase , and after submitting full documentation, the funds were returned to us. XXXX XXXX then falsely represented to Chase Bank that this amount was legitimately owed, leading to the closure of our dispute. We are now re-submitting the full packet with amended transaction ledger to Chase Bank and the Consumer Financial Protection Bureau electronically and by USPS priority mail express detailing this pattern of deceptive accounting and unjust enrichment. 
We respectfully request that the CFPB intervene to reopen our dispute, investigate the deceptive practices used by XXXX XXXX, and require Chase to honor the full refund in accordance with the documentation presented.

Company response to consumer: Closed with explanation