Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18090300
Complaint Overview
Complaint ID: 18090300
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: North Carolina
ZIP Code: XXXXX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against JPMorgan Chase regarding the handling of a dispute on my business checking account and business debit card. On XX/XX/XXXX, my wife contacted Chase to dispute charges for services not provided by a merchant. We intended to dispute only the recent transactions within Chases normal dispute window. However, the Chase representative became emotionally involved and advised my wife to expand the dispute timeframe, pushing her to dispute a full 12 months of transactions. The representative submitted these disputes herself after assuring us they were allowed. On XX/XX/XXXX, Chase reversed {$1900.00} in provisional credits without providing any advance written notice, phone call, or email. We only discovered the reversal after our account suddenly went negative. Chase took 29 days to take action on the dispute, and the reversal happened without any warning or opportunity to respond. Because of this improper reversal, my account dropped to approximately {$860.00}, and has now fallen to over {$3000.00} due to overdraft fees, returned payments, and business disruptions directly caused by XXXX actions. These losses arose solely because a Chase employee initiated disputes outside the correct timeframe against our original instructions. On XX/XX/XXXX, I spoke with XXXX, the assigned case manager. Despite the clear employee error and the severe financial harm, she repeatedly refused to provide a temporary credit or any immediate relief, and stated at least five times that I will not be receiving a credit, before any proper review or resolution was provided. Chases actions include : Mishandling a dispute initiated by their representative Penalizing my business for a timeframe created by their employee Reversing {$1900.00} without advance notice Allowing my account to fall from {$860.00} to over {$3000.00} Causing overdraft fees, payment failures, and operational disruption Failing to provide reasonable notice or timely investigation Refusing to offer temporary relief despite clear internal error This is causing ongoing financial harm to my business.
Frequently Asked Questions
What is Complaint #18090300 about?
Complaint #18090300 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.