Consumer complaint received 2025-08-25 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:
Dear XXXX XXXX Chase Customer Service, My name is XXXX XXXX, and I am writing to formally dispute a fraudulent transaction that was charged to my XXXX XXXX Chase credit card account in the amount of {$16000.00}. 

Transaction Details : Date of Transaction : XX/XX/year> Merchant Name : XXXX Dispute Filed On : XX/XX/year>, at approximately XXXX XXXX  Amount : {$16000.00} Summary of Incident : On XX/XX/year>, I contacted your customer service department to report that the above transaction was unauthorized and fraudulent. I did not authorize or approve this transaction under any circumstances. Although I have previously conducted legitimate business with a company affiliated with the merchant name XXXX, I am completely unaware of this specific charge and did not approve any invoice or service totaling {$16000.00}. 

It appears that my email and mobile phone were compromised, and an unauthorized party may have impersonated me to complete this transaction. Upon noticing the charge, I immediately filed a dispute with your team and flagged it as fraudulent. I also learned through independent research that this merchant has been involved in numerous fraudulent transactions, reported by other consumers, many of whom were forced to pursue chargebacks through their banks. 

Request : I am respectfully requesting that XXXX XXXX Chase immediately reverse and credit the {$16000.00} charge to my account, as required by federal consumer protection laws. This charge has already had a detrimental effect on both my creditworthiness and financial stability. 

Legal Basis and Consumer Protections : Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, consumers are protected from unauthorized charges and are not liable for transactions they did not authorize. Specifically : 12 CFR 226.13 requires a card issuer to investigate a billing error, including unauthorized charges, within XXXX complete billing cycles ( but not more than 90 days ) of receiving notice from the consumer. 

The law limits consumer liability to {$50.00} for unauthorized credit card charges, and in cases where the card was not physically presented, the liability is XXXX. 

The Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, while primarily applicable to debit cards, further support the obligation of financial institutions to investigate and resolve disputes related to fraud. 

Banks are federally obligated to conduct a reasonable and timely investigation and must credit the consumers account if the transaction is found to be unauthorized. 

Additional Notes : This incident has caused me emotional and financial stress, and I take the security of my financial accounts seriously. I request a full investigation be conducted into this transaction, and I am prepared to provide any further documentation you may require to support this dispute. 

Please confirm receipt of this email and provide a case reference number for this dispute. I would appreciate a prompt follow-up by phone or email, and a written confirmation that the charge has been reversed upon completion of your investigation. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation