Checking or savings account -- Managing an account -- Complaint #18384938

Complaint Overview

Complaint ID: 18384938

Company: Jpmorgan Chase & Co.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Banking errors

State: Connecticut

ZIP Code: 065XX

Date Received: 2025-12-30T12:00:00-05:00

Date Sent to Company: 2025-12-31T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

# # Part 1 : Chase Bank 's Role as an Accessory to Fraudulent Subscription Charges I have been auditing my bank statements for charges from canceled, fraudulent, or deceptive " subscription charges '' that are, in fact, fraud. Chase Bank is an accessory to that fraudulent system. Chase has consistently accepted charges to my account from vendors who I've issued cancelation or stop charge communications to or who engage in predatory and deceptive practices -- for example, XXXX -- via a bait and switch. Chase Bank facilitates fraudulent transactions by processing charges from merchants who engage in deceptive billing practices, including : - Accepting charges from vendors after I have issued explicit cancellation or stop charge communications- Processing payments through payment processors like XXXX that enable bait-and-switch schemes - Failing to implement adequate safeguards to prevent recurring fraudulent charges This pattern demonstrates that Chase Bank is complicit in a system that allows fraudulent merchants to continue charging consumers ' accounts even after cancellation requests have been made. # # Part 2 : Improper Denial of Legitimate Chargeback Claims and Poor Customer Service Chase improperly closed without action two chargebacks I filed for legitimate disputes : * * Claim 1 ( Claim Number : XXXX ) : * * On XX/XX/year>, Chase denied my chargeback for a {$110.00} transaction from XXXX in XXXX dated XX/XX/year>. This was for defective software that did not function as advertised. Chase 's denial letter stated that " the transaction ( XXXX ) was processed according to the information you provided or was authorized '' and that " No adjustment will be made to your account at this time. '' This determination was incorrect, as the software was defective and did not meet the merchant 's advertised specifications. * * Claim 2 ( Claim Number : XXXX ) : * * On XX/XX/year>, Chase provided contradictory information regarding a {$31.00} transaction from XXXX dated XX/XX/year>. The denial letter stated that " credit was provided for the transaction ( XXXX ) '' but then immediately contradicted itself by stating " No adjustment will be made to your account at this time. '' This payment processor was offering fraudulent accounts of its services, and Chase 's handling of this claim was both confusing and improper. In both cases, Chase representatives misrepresented my claims and used those misrepresentations to close my claims without proper investigation. I was denied any opportunity for appeal, and a series of Chase representatives attempted to dismiss, minimize, or extract false information about my legitimate chargebacks. I was bounced between several representatives, including one who repeatedly hung up as I tried to move forward with the case. The transcripts and audio recordings of these interactions are attached. Chase 's failure to properly investigate these legitimate disputes, combined with its poor customer service practices, has resulted in financial harm and demonstrates a pattern of denying consumers their rights under federal consumer protection laws.

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