Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Monday XX/XX/XXXX at XXXX AM XXXX ( my local time ) 3 unauthorized fraudulent charges that were made on my Chase Sapphire Credit Card. That morning, nearly 4 hours later when I woke up, I immediately called Chase Sapphire to report the 3 unauthorized Fraudulent purchases that were made on my Chase Sapphire Credit card from XXXX XXXX that amounted to {$10000.00}. 

Nearly a month later, the charges randomly showed back up on our and I again called Chase Sapphire reporting and stating the I did not authorize these charges and that these are fraud. 

On estimated XX/XX/XXXX I noticed that for an unknown reason these charges got reposted to my account. I called the morning of XX/XX/XXXX to report that these charges for whatever reason had come back a 3rd time without any communication from Chase Sapphire. I then called Chase Sapphire to report the fraud again, but was rerouted to a new team where I was suppose to be contacted by a Chase Fraud investigator in an short period of time. I received only one call, on XX/XX/XXXX from XXXX exceeding the days from what I believe I was told that I would hear back from them. I requested to be called back from the investigating team, and still have not gotten another phone call from the investigating team as of XX/XX/XXXX. 

I stated over the phone and provided written emailed legible and properly documented facts to XXXX that these 3 charges are Fraud and were unauthorized. 

I have my local police department in XXXX XXXX Arkansas investigating the fraud : Case : XXXX with XXXX XXXX and XXXX XXXX XXXX Additionally, have submitted a FBI Report, and I have additionally filed under XXXX reference # XXXX because it is now clear that my identity was compromised on XXXX, XXXX, XXXX, & Chase Sapphire. Listed is my statement to XXXX " Good afternoon, I am filing additional information to support the fraud issue at hand. I am extremely disappointed in hearing that the charges were posted to my account and would love to get this fraud resolved as soon as possible. 

Listed are the timelines that need to be reviewed. 

XX/XX/XXXX at XXXX XXXXXXXX CST 3 separate fraud charges were posted to my Chase Sapphire credit card. I called as soon as I woke up that day around XXXX XXXX  CST. 

I provided to Chase immediately that these were fraud as I was in XXXX AR at our home asleep at XXXX XXXX. If you need help confirming I was in AR I provided a photo from evidence. 

My XXXX account XXXX was compromised to make these purchases as well as a XXXX account and XXXX  fraudulently a person used my name to make a transfer of these tickets which I have shared that information below. I do not have any relationship with this human nor do I have any contact information ever with the human. Again, I can not stress enough that I did not purchase these and that these were indeed a highly advanced fraud. 

Of the 3 rounds of tickets purchased I only received one email on my XXXX identifying these as fraudulent. For a reason I do not know, 2 of the 3 showed back on our account. I am both extremely disappointed that Chase viewed only 1 of the 3 purchases as fraud and equally disappointed that Chase did not see that nowhere in my history have I ever spent multiple thousands of dollars on tickets in XXXX XXXX for an event like this nor was I in XXXX XXXX for the event at the time of the tickets purchased which you will see in a document we were in a XXXX in XXXX Arkansas. 

Please reference the IP address shared by XXXX and my attached IP address to authenticate that it was not me that made the purchase. 


I was in XXXX Arkansas the day of the purchase and the day before. 

I have filed a police report with the XXXX XXXX police with officer XXXX XXXX # XXXX Case : XXXX Credit Card Fraud To conclude, I am confirming that these charges are indeed fraudulent that I, XXXX XXXX XXXX, did not authorize and in accordance with your " 0 Liability Protection Policy '' I ask you to remove these fraudulent charges from my account. If you need any additional information from me please contact me and I will be happy to help clear this. '' Chase Visa has been noncompliant throughout this process and continues to share illegible documentation.

Company response to consumer: Closed with explanation