Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: AZ
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 have a new complaint related to a complaint that was previously filed by myself and was considered " closed '' once the company in question responded to my complaint. The problem is that I believe the Bank does not see the large picture. As stated, I have attached a copy of my complaint to you, dated XX/XX/XXXX, and the Bank 's response, dated XX/XX/XXXX. I am also attaching a copy of a separate letter I received from the Bank in question along with an attachment, dated XX/XX/XXXX. I received the Bank 's response directly on XX/XX/XXXX. Since this date was a Saturday, no one could respond to my calls/emails this weekend. Because Chase is either purposely ignoring the more significant part of my complaint. I don't see how that is possible between all of my correspondence with Chase Bank and what I perceived as a fair depiction of the issue in the original attached complaint, which is why I believe I need your help once more to serve as a go-between to help Chase comprehend precisely what I think where the issue lies and what I need Chase to do to remedy this situation. 

To briefly summarize the situation, I initially found approximately {$200.00} in fraudulent charges on my Chase Visa Credit Card. These charges were made between XX/XX/XXXX and XX/XX/XXXX. I called the Bank on XX/XX/XXXX ; the day said the discovery was made. The Chase representative not only reported the transactions occurring on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, through XX/XX/XXXX. While filing a fraud report on these charges, the representative also offered to go through my history to see if there were any other charges of fraud which is when I learned that were additional fraudulent charges dating back to XXXX XXXX. The representative and I went through every order and reported each as fraud. I had to follow up on this claim orally and in writing daily. I was told each time I would " immediately '' receive provisional credits for all charges, including the interest owed to me. Nothing happened because Chase kept providing me with false reassurances ; finally, after filing this complaint with you on XX/XX/XXXX, I suddenly received a provisional credit of {$210.00} and a few new credit cards days later. I was confused by this amount, but since I hadn't received a complete response from the Bank, and was told by one of the many representatives I spoke with at some point in XX/XX/XXXX that the total of the fraudulent charges was more in the neighborhood of $ XXXX. 

I have attached to this complaint not just the Bank 's XX/XX/XXXX letter and attachment but also screenshots of my account, which appear to show that the XXXX XXXX  XXXX charges were reversed. However, I have yet to see the credits in my account ; I added up all costs that the Bank attached dating from XXXX XXXX XXXX  ( which I do not believe includes all of the earlier fraud charges ), which, as I have counted are in the realm of {$150.00}. The amount of the XXXX XXXX XXXX  charges is over {$200.00} ; there was additional fraud activity on XX/XX/XXXX, and XX/XX/XXXX. Thus, what was the {$210.00} credit for exactly? Is that from the two days of attached charges, along with a few months of interest? And where are all the other fraud charges reported? 

I believe the company continues to evade this issue because of my XXXX status and their belief that I am unable to comprehend somehow what is happening and thus, offering me some " token '' payment with no explanation as to what that amount represents and even though I have clearly stated over and over again the facts behind this complaint. I have a physical XXXX, not a mental XXXX. During this temporary period of XXXX, I had to give up my profession as a XXXX XXXX, a position I have held since XXXX. I am currently testing whether I can go off XXXX within the next few months. This outstanding issue prevents me from spending time in XXXX XXXX, working on my XXXX, and speaking to headhunters. My usual billing rate was $ XXXX $ XXXX. If I have to wait until healthy enough to sue Chase Bank, which I will due, they will owe me a lot more money for the time I've spent trying to fix this issue ( I've kept track of my hours ) than the de XXXX amount that the Bank refuses to credit to my account.

Company response to consumer: Closed with explanation