Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18278053

Complaint Overview

Complaint ID: 18278053

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: Alabama

ZIP Code: 352XX

Date Received: 2025-12-24T12:00:00-05:00

Date Sent to Company: 2025-12-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Complaint Against JPMorgan Chase : Repeated Unnecessary Card Closures and Improper Fraud Handling I am submitting this complaint regarding JPMorgan Chase Banks ongoing and unreasonable handling of fraud alerts on my account, which has resulted in repeated and unnecessary card closures and significant disruption to my ability to manage my finances. Over time, Chase has established a pattern of flagging transactions on my account as fraudulent and immediately responding by shutting down my card and issuing replacements, even when there is no evidence that my card has been compromised. My physical card has remained in my possession at all times, and Chase is aware that no unauthorized individual has access to it. Most recently, a charge of {$96.00} from XXXX XXXX appeared on my account on XX/XX/year>, and posted on XX/XX/year>. I did not purchase or authorize an XXXX XXXX membership. After reviewing my XXXX account and subscriptions, I confirmed that I never initiated this charge. I promptly filed a dispute with Chase. During the claims process, I spoke directly with a claims representative named XXXX, who was made aware that my card was still in my possession and that there was no indication of card theft or broader account compromise. Despite this, I was informed that Chase intended to close my card and issue a replacement once again. This response is excessive and unreasonable, particularly given that the disputed charge appears to be a merchant billing or subscription issue rather than fraud involving my physical card. Shutting down my card under these circumstances is not a proportionate or consumer-focused response. This is not an isolated incident. Chase has repeatedly taken the same action in similar situations, forcing me to wait for replacement cards, update payment information, and temporarily lose access to my funds. These repeated disruptions interfere with my ability to pay bills, access essential services, and manage my financial obligations. Chases approach places an unfair burden on the consumer by prioritizing automatic card shutdowns over proper investigation and less disruptive fraud controls. At no point has Chase provided a clear explanation for why repeated card closures are necessary when the card is confirmed to be secure and in my possession. I am requesting that Chase : 1. Provide a written explanation for its repeated requirement to close my card despite no evidence of card compromise 2. Conduct a senior-level review of my account by a fraud or compliance team to prevent future unnecessary shutdowns 3. Resolve the disputed {$96.00} XXXX XXXX charge fairly and appropriately 4. Implement reasonable fraud-handling measures that do not repeatedly disrupt my access to funds At this point, Chases conduct appears unfair, excessive, and inconsistent with reasonable banking practices. I am seeking CFPB review due to Chases failure to resolve this issue in a manner that is proportionate or consumer-focused.

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