About Chase Bank
This descriptor most likely refers to a transaction with Chase Bank (JPMorgan Chase Bank, N.A.), one of the largest consumer and commercial banks in the United States. Chase provides a wide range of services including checking and savings accounts, credit cards, mortgages, auto loans, and online and mobile banking. The extra text in your descriptor ("CHAP 1 OF 2", "Moorhead MN", and the name "John Heidenreich") appears to be memo/reference information related to how the payment was applied (for example, a chapter‑style payment reference, location tag, or a person or case name) rather than the name of a separate merchant business.
A charge like this may appear on your statement when you make a payment to a Chase credit card, loan, or other Chase‑serviced account, or when Chase processes a structured payment (such as part 1 of 2 of a split or scheduled payment). In some cases, Chase descriptors include additional internal notes to identify the origin of the payment (city, state, case or account reference, or the name entered by a third party such as a trustee, attorney, or payee). That is why you see references to Moorhead, MN and "John Heidenreich"—these are almost certainly reference details, not the merchant’s legal name.
To verify or resolve questions about this charge, log in to your Chase online or mobile banking and review the account’s transaction details; those will often show which specific card, loan, or service this payment relates to and any associated reference or confirmation numbers. If it’s still unclear, you can contact Chase using the phone number on the back of your card or the customer service numbers listed on chase.com and provide the exact date, amount, and descriptor. They can confirm whether this is a legitimate payment to a Chase account, explain the meaning of the embedded reference text, and help you dispute it if you do not recognize it.