Credit card -- Problem with a purchase shown on your statement -- Complaint #11164968
Complaint Overview
Complaint ID: 11164968
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 78212
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I am writing to follow up on a dispute I initially filed in XX/XX/year> regarding duplicate charges from the XXXX XXXX XXXX XXXX. The charges in question were posted on XX/XX/year> in the amounts of {$170.00} and {$480.00}, which I identified as duplicates of the correct charges posted on XX/XX/year> in the amounts of {$550.00} and {$1300.00} for my stay. Despite filing my dispute in XX/XX/year>, I never received a response from Chase and was forced to resubmit my dispute on XX/XX/year>. Chase eventually responded, claiming they investigated the charges and determined them to be valid. However, no supporting documentation or reasoning was provided to justify this conclusion. In response, I sent my original billing folios, which show only the correct charges from XX/XX/year> and no record of the duplicate charges on XX/XX/year>. I re-disputed the charges once again but received only the same generic response from Chase, again lacking any supporting documentation or explanation for why the duplicate charges were deemed valid. It is important to note that these charges are clearly phantom charges made in error, as the XXXX XXXX XXXX XXXX has confirmed they are unable to locate these transactions in their system and therefore can not issue a credit. In fact, it was the XXXX XXXX that advised me to dispute the charges with my bank, which suggests that Chase may have failed to properly present the chargeback to the merchants bank. Additionally, Chases failure to respond to the initial dispute within the required timeframe raises further concerns about whether this matter was handled in accordance with proper dispute resolution procedures.
Frequently Asked Questions
What is Complaint #11164968 about?
Complaint #11164968 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-15T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.