Consumer complaint received 2023-07-01
Company: JPMORGAN CHASE & CO.
State: FL
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:
I filed a report to my jurisdiction 's officers about the unauthorized charges that occurred while I was traveling to India. I adhered all of Chase 's communication and provided information such as my pictures of passport showing Visa stamps to India to prove I could not have possibly made or received any benefit from these transactions. After escalating to the Executive Office ( XXXX XXXX ext XXXX ) and contacting my Florida Attorney General XXXX XXXX XXXX XXXX, XXXX  ), I still did not receive a resolution. Rather, my account my put into delinquency over fraudulent and unauthorized charges. 

I have talked to Chase since XX/XX/XXXX, more than 10 times, trying to resolve the unauthorized transactions. Chase sent a notice claiming " You received benefit from this transaction '' on XX/XX/XXXX. When further inquired about how I received benefit, I received a vague response of " Amazon shows your information was used for purchasing ''. I was dumbfounded as a victim of credit card fraud, it is quite obvious that my information was used. I consistently contacted Chase to follow up and provide any information to remove the unauthorized charged from my credit card. I sent emails of my Amazon account being accessed remotely and Chase transaction confirmation emails, all of which I had not approved nor authorized, yet was charged for amounts outside of normal spending habits. 

These fifteen charges on Amazon.com are unauthorized uses of our credit card because they were made by a person who does not have actual, implied, or apparent authority to use the credit card, and we, the cardholders, have received no benefit from the usage. In accordance with the Fair Credit Billing Act, 1026.12, our liability shall not exceed {$50.00} for this or any unauthorized use of our credit card. 
The information and evidence provided hereafter shows 1 ) the charges themselves are suspicious and should never have been allowed by Chase ; 2 ) we did not authorize the charges ; and 3 ) Chase 's reasoning for considering the charges valid are flawed. 

Old card number is XXXX and new card number is XXXX XXXX. Exact date, times, locations and amounts that were fraudulently charged to your account. 
XX/XX/XXXX : {$400.00}, {$530.00}, {$110.00}, {$520.00} XX/XX/XXXX : {$110.00}, {$510.00}, {$760.00}, {$58.00}, {$850.00} XX/XX/XXXX : {$460.00} XX/XX/XXXX : {$370.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$610.00} Location unavailable due to online transactions I reported all XXXX XXXX unauthorized charges on my Chase XXXX credit card to Chase Fraud Department on XX/XX/XXXX upon discovery. My credit card was quickly replaced by Chase on XX/XX/XXXX and was communicated to me I would not be held liable for any unauthorized/fraudulent charges due to the Fair Credit Billing Act, limiting my liability to {$50.00} or {$0.00} if waived by Chase, which was waived under their Terms of Service & Cardholder Agreement in conjunction with my consumer rights as a Florida resident upon reporting.

Company response to consumer: Closed with explanation