Credit card -- Problem with a purchase shown on your statement -- Complaint #14245474
Complaint Overview
Complaint ID: 14245474
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: Florida
ZIP Code: 34787
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN : XXXX Date : XX/XX/scrub>XXXX XXXX JPMorgan Chase Bank , N.A . Cardmember Services / Dispute Department XXXX. XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute of Unauthorized Charge Lost/Stolen Personal Credit Card Ending in XXXX Dear Sir or Madam, I am writing to formally dispute an unauthorized charge that appeared on my personal Chase credit card ending in XXXX. I, XXXX XXXX, am the sole account holder of this card. After noticing that my card had gone missing, I accessed my Chase mobile app and discovered a charge that I did not authorize. I immediately contacted Chase to report my card as lost or stolen and to dispute the unauthorized transaction. However, during subsequent phone calls with your representatives, I was informed that Chase has determined the charge to be authorized by me. I find this conclusion both troubling and unfounded. I respectfully request a detailed explanation of what evidence or criteria were used to make this determination, especially considering that : I acted in good faith and reported the loss promptly. The transaction occurred without my knowledge or consent. I had no physical possession of the card at the time of the charge. If Chase is alleging that I authorized the charge, I am requesting a full breakdown of the data or evidence that led to this conclusion. Was there a match on IP address, physical location, device ID, or signature? Was the card used with a PIN or for an online transaction? I expect transparency in the review process. This is a formal dispute under the Fair Credit Billing Act ( FCBA ). Accordingly, I request : An immediate reversal of the unauthorized charge. A comprehensive explanation of your findings and methodology. Written assurance that this matter will not impact my credit report or account history. If necessary, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) or seek legal assistance if a fair and lawful resolution is not provided. Please confirm receipt of this letter and advise me of any further documentation you may require. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14245474 about?
Complaint #14245474 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 2025-06-23T12:00:00-05:00.
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.