Consumer complaint received 2022-03-13
Company: JPMORGAN CHASE & CO.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I discovered thousands of dollars of unauthorized charges on my Chase business credit card. I immediately contacted Chase and reported it as fraud, requested a new secure credit card and was shocked to see Chase did not remove the charges. 
Chase has grossly mismanaged this dispute/fraud process considering I sent Chase all my email correspondences between me and the merchant showing that not only did the merchant ( XXXX XXXX XXXX  ) and I only agree to a one time {$190.00} charge ( on XX/XX/2021 per attached invoice ), but the merchant promised services they then later said they could not deliver ( in second attached email trail ), and then they continued to just charge my card all kinds of random amounts at later dates which we never agreed to as outlined in our email. Even now, after thousands of dollars in charges, and months later, I still have not received any of the promised services from XXXX XXXX XXXX so it's remarkable Chase is still holding me to these charges! 
Once I learned that Chase was not removing the charges I asked Chase why they were siding with the vendor despite the evidence I sent them which seemed like an easy case to adjudicate in my favor Chase said the merchant sent substantiating data entailing completely fake invoices which they never sent me, as well as doctored/fake text messages the merchant claimed I sent them but were completely made up to support their endless fraud charges. 
Chase would only send me the merchant documents via snail mail and I was on an extended trip so it took a while for me to get home to see the documents and as I told Chase the documents were complete nonsense and were made up to support the many fraud/theft charges once I issued the fraud/dispute. So I submitted another fraud claim and Despite the actual PDF email agreement made between me and the merchant Chase said they had inadequate info to make a determination so were letting the charges stick. The scammer can make up all the fake invoices and fabricated text exchanges in the world but is it not obvious to Chase this is s scam when months later there still is nothing produced in exchange for thousands of dollars in charges? 
There is something profoundly wrong with this process. The merchant ( XXXX XXXX XXXX ) and I had a one time agreement outlined in an email I furnished to Chase, as well as the invoice XXXX XXXX XXXX emailed to me ( and I furnished to Chase ). I never even had an agreement with XXXX XXXX, whom used my credit card info I provided XXXX XXXX XXXXn to charge me for all kinds of additional charges for nothing. I also never agreed to the repeated charges from XXXX XXXX XXXX beyond the one time {$190.00} charge. Moreover neither so-called companies even produced anything for me. There was no actual service provided. It was just a scam. 
If there has been no actual services rendered why is it so hard for Chase to correct these blatantly incorrect charges? Is it really as easy as a merchant fabricating fake text conversations and fake invoices once they have someone's credit card info to justify any amount of charges they want? There has to be guard rails and this seems like such a blatant scam, as well as mismanagement on the part of Chase in adjudicating what is clearly a scam. At this point I've spent countless hours going in circles with Chase 's fraud/dispute departments in XXXX and I don't know what more I can do. The scammer can " make up all the fake invoices and fabricated text exchanges in the world but is it not obvious to Chase this is s scam when months later there still is nothing produced in exchange for thousands of dollars in charges? 
Please help me correct this scam since Chase does not seem to take this seriously and we are just going in circles. Moreover now Chase is saying these are legitimate charges I need to pay.

Company response to consumer: Closed with explanation