Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: CO
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:
XXXX XXXX, owned by XXXX XXXX, made XXXX unauthorized charges on my Chase United Credit Card between XX/XX/XXXX, and XX/XX/XXXX. I discovered these charges on XX/XX/XXXX and immediately called Chase United Fraud Department. As directed by Chase, I contacted XXXX XXXX, who assured me that he would issue refunds for these charges, which I did not authorize and for which I have received absolutely nothing. The total of these charges is {$2700.00}. XXXX XXXX, after numerous phone calls from both me and Chase, eventually refunded {$510.00}, leaving a balance of {$2200.00}. 

Chase left the case open while I unsuccessfully tried to collect from XXXX XXXX for XXXX months, while leaving the balance on my account accruing monthly interest charges totaling {$180.00} as of XX/XX/XXXX. Chase promised that if XXXX XXXX agreed to refund the charges, they would consider it an admission of fraud. XXXX XXXX, after refunding the {$510.00}, stated that he would send me the rest through the mail. He gave his word that he had mailed a check but refused to give me a tracking number. It was never sent. In conversations with Chase, XXXX XXXX has falsely maintained that I signed up for a monthly service and a listing in a directory, but he has consistently refused to provide any sort of contract or agreement. He said that his company prepared a XXXX biography, but he has refused to send it to me. I never provided him with any information. His website is nonfunctional and the only email I ever received from him was sent in XX/XX/XXXX, addressed to another person. 

I did not sign up for any services with XXXX XXXX, pre-order a book, or have any other business dealings with this company. I did not give them my credit card information. I have done everything Chase asked of me. I filed complaints with the XXXX government. By XXXX, XXXX XXXX indicated to me that he was in trouble with the state of New York. He hired a lawyer and falsely claimed that he moved to XXXX  in XXXX. I found out recently that he is still residing in XXXX XXXX. Chase United still refuses to remove the charges or admit that this is a case of fraud. On XX/XX/XXXX, Chase said that I would still need to provide proof of fraud, which is impossible when there has been absolutely no communication from this company prior to XXXX of this year. There was never any email exchange, notice that charges were being made, or even information provided about the companys alleged services. I never preordered a book and XXXX XXXX has refused to show me any proof that a biography was ever created. I do not have an account. XXXX, without notice, began charging my account in XX/XX/XXXX, when the country was virtually shut down due to the pandemic and my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was shut in for more than XXXX years and, not surprisingly, didnt think to check my statements for fraudulent charges. I reported the ongoing charges the first moment they were discovered. 

The last time I spoke with XXXX XXXX, he informed me that he never published a book and is now filing for bankruptcy. He promised to call me back, but has not done so. 

Chase United claims to offer protection from credit card fraud, but they have fraudulently refused to provide me with this service when I needed it. I am asking that Chase honors its customer commitment by paying me the amount of {$2500.00}, which represents the balance of the fraudulent charges made by XXXX XXXX, plus interest.

Company response to consumer: Closed with explanation