Checking or savings account -- Problem caused by your funds being low -- Complaint #12701060
Complaint Overview
Complaint ID: 12701060
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: New York
ZIP Code: 132XX
Date Received: 2025-03-27T12:00:00-05:00
Date Sent to Company: 2025-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I purchased a XXXX bus ticket for {$190.00} using my Chase debit card. The bus service was subsequently canceled due to XXXX 's operational issues, not due to any action on my part. After the cancellation, I initiated a refund dispute through Chase. On XX/XX/XXXX, Chase provisionally credited my account for the disputed amount. On XX/XX/XXXX, Chase reversed this credit, citing " insufficient supporting evidence. '' I immediately contacted Chase customer service and submitted additional documentation, including : The original purchase confirmation email Transaction records from my account Official documentation from XXXX 's website confirming the cancellation The communication email with XXXX. Despite providing this comprehensive documentation, Chase has declined to reinstate my claim. When I contacted customer service for clarification, I was informed that they determined there was " nothing further they could do ''. I have not received a specific reason for the continued denial of my legitimate claim, nor have I received the refund I am entitled to for a service that was never provided. I am attaching all relevant documentation to support my claim, including the transaction record, cancellation confirmation, and my communications with both Chase and XXXX regarding this matter. I respectfully request a thorough review of my case and the appropriate refund of {$190.00} for the canceled service.
Frequently Asked Questions
What is Complaint #12701060 about?
Complaint #12701060 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2025-03-27T12:00:00-05:00.
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 (Checking or savings account) 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.