Published
July 5, 2026
If you carry a Chase credit card and have seen a surprise "cash advance" fee on a Venmo transfer or a "foreign transaction" fee on a U.S. purchase, this new lawsuit is worth watching — though there is nothing to claim yet.
Allegations Only · No Settlement Yet
This article describes a class action complaint. The statements below are unproven allegations. JPMorgan Chase Bank, N.A. has not been found liable, there is no certified class, and there is nothing to claim at this time. This page is informational and is not legal or financial advice.
What Is This About?
JPMorgan Chase Bank, N.A. is facing a proposed class action alleging it charged consumers improper "fees" on their Chase credit cards — a roughly $10 "cash advance" or "transaction fee" on Venmo peer-to-peer transfers, and a roughly $16.99 "foreign transaction fee" on purchases the plaintiff says were made entirely within the United States. The complaint brings claims under Florida's Deceptive and Unfair Trade Practices Act (FDUTPA) and related state law. Chase has not been found liable, and the allegations remain unproven.The case is captioned Doe v. JPMorgan Chase Bank, N.A. The named plaintiff, who is proceeding under the pseudonym "John Doe," filed it in the County Court of the 11th Judicial Circuit in and for Miami-Dade County, Florida, and the case now also appears on the docket of the U.S. District Court for the Southern District of Florida (No. 1:26-cv-24587) — a common path when a defendant removes a state-court class action to federal court. The complaint is brought on behalf of a proposed Florida class of Chase cardholders. It seeks actual and statutory damages, attorneys' fees, and costs, and reserves the right to seek punitive damages.
Status
Complaint Filed
Doe v. JPMorgan Chase Bank, N.A. · Miami-Dade County Court · now on the S.D. Fla. docket (No. 1:26-cv-24587)
What's Alleged
"Cash advance" fees on Venmo & "foreign transaction" fees on U.S. purchases
The complaint alleges the fees were mislabeled and could not be disputed in Chase's app
Fees at Issue
~$10 per Venmo transfer · ~$16.99 foreign transaction
Plaintiff alleges a series of such charges in 2025 on a Chase Sapphire card
Can I Claim?
No — nothing to claim yet
No settlement, no class certified, and no claim form at this stage
The Two Fees at the Center of the Case
The complaint focuses on two categories of charges the plaintiff says appeared on a Chase Sapphire credit card.The first is a "cash advance" or "transaction fee" — roughly $10 — that the complaint alleges Chase applied to Venmo peer-to-peer transfers. According to the complaint, Venmo describes itself as a platform for sending and receiving money between trusted contacts, family, and businesses, and states that it is not a cash advance or loan service. On that basis, the plaintiff alleges it was improper for Chase to treat those transfers as cash advances. The complaint says these charges appeared on the plaintiff's account beginning in the second half of 2025.
The second is a "foreign transaction fee" — about $16.99 — that the complaint alleges Chase charged on purchases made from within the United States. The plaintiff points to charges tied to U.S. hotel bookings with Hilton brands (a company the complaint describes as U.S.-based, on a U.S. website), and alleges that on one occasion in October 2025 he was charged a foreign transaction fee despite not having left the country. The plaintiff alleges he could not click through to see what "foreign" transaction the fee referred to.
The Dispute-Process Allegation
A significant part of the complaint concerns what the plaintiff says happened when he tried to challenge the charges. According to the complaint, ordinary merchant charges can be questioned or disputed easily through Chase's website and app, but these particular "fees" were not disputable that way. The plaintiff alleges he called Chase, was told an agent could not remove the charges and that a supervisor would follow up, and that no supervisor ever did — leaving the fees on his account. These are the plaintiff's allegations; Chase has not responded to them in court.The complaint also points to public posts in a Chase-focused Reddit community in which other cardholders describe similar unexpected $10 charges on Venmo transfers beginning around August 2025. Those posts are unverified consumer comments cited in the complaint, not findings of fact, and they have not been tested or authenticated.
Why Might These Fees Appear at All?
Some context helps explain how disputes like this arise, without taking a side. Card issuers generally charge a foreign transaction fee when a payment is processed through a bank outside the United States or in a foreign currency — and that can occasionally happen even when the shopper and the merchant are both domestic, depending on how the merchant's payment processor routes the transaction. Separately, some issuers treat certain peer-to-peer transfers as cash advances rather than purchases, which can trigger a cash-advance fee and interest. The lawsuit's position is that Chase applied both types of fees improperly and without adequate disclosure. Chase has not stated its position in this case, and none of these questions has been decided.What the Lawsuit Claims
The complaint brings four counts on behalf of the proposed Florida class:• FDUTPA (Fla. Stat. §§ 501.201–501.213): that the labeling and charging of the fees, and the difficulty of disputing them, were unfair and deceptive practices.
• Fraud: that Chase's alleged omissions about the fees amounted to material misrepresentations the plaintiff relied on when using the card.
• Breach of contract: that charging the fees was inconsistent with the cardmember agreement.
• Misleading advertising (Fla. Stat. § 817.41): that Chase marketed the Sapphire card's travel and everyday-spending benefits while omitting the fee practices alleged here.
The complaint says the plaintiff opted out of Chase's class-action waiver when opening the account. It seeks actual and statutory damages, attorneys' fees and costs, and reserves the right to seek punitive damages. As with any newly filed complaint, those are requests, not awards — no money has been ordered and none is available now.
Read the Complaint
The full class action complaint in Doe v. JPMorgan Chase Bank, N.A. is embedded below. The reading copy has been reformatted for the web from the publicly filed document; personal identifiers from the original filing have been omitted.Is There a Chase Settlement Yet?
No. This is important: Doe v. JPMorgan Chase Bank, N.A. is a newly filed lawsuit, not a settlement.That means:
• There is no settlement fund.
• There is no claim form.
• There is no payout, and no deadline to act.
• Cardholders do not need to do anything at this stage.
The filing of a complaint is the very beginning of a case, not the end. Chase has not been found liable simply because a lawsuit was filed, no class has been certified, and the case could be dismissed, narrowed, sent to arbitration, or settled as it moves forward. If a class is ever certified and the case reaches a settlement or judgment, a formal claims process with its own eligibility rules and deadlines would be announced separately.
What Chase Cardholders Should Know
There is nothing to file here, but the case is a useful prompt to check your own statements. If you spot a "cash advance," "transaction," or "foreign transaction" fee you don't recognize, you can review the charge in your account and raise it with your card issuer through the normal dispute channels. Keep your own records; there is no need to pay anyone or share account passwords, and no legitimate class action would ask you to.This case also fits a broader run of "junk fee" and bank-fee litigation. OpenClassActions.com has covered related matters, including a separate Chase returned/bounced-check fee class action, a long-running bank bounced-check fee investigation, and a Zillow deceptive transaction-fees class action.
What Happens Next?
From here, the case will move through the early stages of litigation. Chase may answer the complaint, move to dismiss, or seek to compel arbitration; the parties may dispute whether the plaintiff's opt-out of the class-action waiver holds; and the plaintiff would, at some point, ask the court to certify a Florida class. Any of these steps can take months, and the case could be amended, narrowed, or resolved along the way. OpenClassActions.com will continue watching the docket for major updates, including a motion to dismiss, an arbitration ruling, class-certification activity, or any future settlement.Frequently Asked Questions
Is there a Chase settlement or claim form?No. This is a newly filed complaint, not a settlement. There is no claim form and no guarantee consumers will ever receive money from this case. Anyone asking you to pay to "join" a Chase fee lawsuit is running a scam.
What does the lawsuit allege?
That Chase charged about $10 "cash advance" fees on Venmo transfers (which Venmo says are not cash advances) and about $16.99 "foreign transaction" fees on purchases made from within the U.S., in dollars, on U.S. websites — and that the fees could not be disputed through Chase's app. The allegations are unproven.
Who could be covered?
The complaint proposes a Florida class of Chase credit-card holders charged these types of fees for Venmo transfers or for paying a U.S. merchant on that merchant's U.S. website. No class has been certified, so the definition is not final.
Where was it filed?
In the County Court of the 11th Judicial Circuit in Miami-Dade County, Florida; the case now also appears on the U.S. District Court for the Southern District of Florida docket, No. 1:26-cv-24587.
Sources
• Class Action Complaint, Doe v. JPMorgan Chase Bank, N.A. (Fla. 11th Jud. Cir., Miami-Dade County; on the S.D. Fla. docket as No. 1:26-cv-24587) — complaint PDF• Florida Deceptive and Unfair Trade Practices Act, Fla. Stat. §§ 501.201–501.213
• Florida misleading-advertising statute, Fla. Stat. § 817.41
About This Page
This page summarizes the class action complaint in Doe v. JPMorgan Chase Bank, N.A. OpenClassActions.com is a consumer news site and is not a law firm, the plaintiff's counsel, Chase, or a party to this case. The allegations in the complaint have not been proven in court. This page is for informational purposes only and does not constitute legal or financial advice.Free settlement alerts
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Status
Complaint Filed — No Settlement, No Claim Form
Case Title
Doe v. JPMorgan Chase Bank, N.A.
Case Number
S.D. Fla. No. 1:26-cv-24587 (removed from Miami-Dade County Court)
Court
U.S. District Court, Southern District of Florida (orig. Fla. 11th Judicial Circuit, Miami-Dade County)
Claims
FDUTPA (Fla. Stat. §§ 501.201–501.213); fraud; breach of contract; misleading advertising (§ 817.41)
Proposed Class
Florida class of Chase cardholders charged the disputed Venmo / foreign-transaction fees
Class Status
Not yet certified — early stage
Complaint
Read the Complaint (PDF)
