Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: NJ
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:
In XX/XX/XXXX, I got fraud transaction notice from Chase that someone used my Freedom credit card in New Jersey while I am in XXXX. 
Once I checked the massage I called you back and report those are fraud and decline charges. 
A lot of transactions ( And all the transactions are only two amounts. ) were made and I even dont understand how, cause I literally got my own in my pocket. 
After the fraud report, I received a new credit card. 
However, on XX/XX/XXXX, Chase rebilled me some of transactions because it was valid. 
So I sent my hotel bill, flight bill, other credit card bills on those day and ID with my signature and photo to all security related departments. 
Finally, I got phone call from a person from executive department ( XX/XX/XXXX ) that I have to pay those fraud transactions because 1. It is valid and paid with chip. 
2. Your card is not lost. 

They even couldn't explain well at all about WHY but kept saying it is valid and sorry about this decision. 

For me, it is difficult to understand why Chase doesnt protect me at all. 
Here are the reasons I really upset and you should take care of my case. 
1. I reported all of transactions from XXXX on were fraud right after I checked the alert message. 
2. Me and my whole family were in XXXX and every document proved it. 
3. I dont need to know how the thief copied and used my credit card, but Chase tried to make me understand/accept that It is valid cause no one could copy chips. Their explanation felt me extremely disappointed cause it sounds that I lied. 
4. Specialist told me that XXXX verified someone used the card. However, it does not mean that I used MY credit card. 
5. I dont think the chase security department really investigated my case. Total amount of money was over {$2000.00} ( {$2300.00} ), and each was over {$400.00}. What I understand is Visa required signature when make payment in XX/XX/XXXX. ( But Chase told me it depends on the merchant. ) XXXX also should require signature. So Chase can match the signature on the receipt that XXXX provided. Also, they got security camera. Why chase ignore all this clear evidence for investigation? I feel that Chase hesitate to report this case to XXXX. 
6. I am a victim of fraud crime. Why the victim exculpate myself? The reason I used chase credit card was being protected from this situation. 
7. Specialist told me that I need to pay interest of these fraud transactions because of those are valid. Why I need to pay money for other peoples uses? 
8. Only some of transactions were validated. It doesnt any make sense to say XXXX verified somes and again, I dont have to care whatever XXXX said. Because I did not use at all. 
9. Even I declined fraud transactions, it won't work. It is their system problem. 
How can I prove more that those transactions were NOT made by me and crime action? 
This Chases security arrangement is another type of fraud to me cause I was totally exposed to the crime and never protected. 
I had no issue with credit card before this situation was happened. 
Again, I am a victim of identity theft, and I did not make or authorize this charge. I want my money back, and any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

Company response to consumer: Closed with monetary relief