Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX XXXX i was in XXXX for vacation. I had a rental car throughout the trip and on the last day on the way to the airport, i stopped at one of the last gas stations before the airport exit to fill it up the car before i returned it. I used my XXXX XXXX card throughout the whole trip but once i got to the pump, never getting out of my car at any point, i asked the attendant for gas and gave them my XXXX. they stated that they didn't accept XXXX  so i went ahead and gave them my chase visa card. they charged my card and i went on my way, never getting out of my car at any point. i then returned my car and was on my way home. the next day when i arrived home, i check the chase app and see the {$44.00} charge for gas posted on XX/XX/23 with the description as " XXXX XXXX '' and categorized as gas. i also saw another charge " XXXX XXXX XXXX XXXX categorized as shopping for {$360.00} posted on XX/XX/23. these are the only charges during this period other than online amazon charges. i reported this to chase right away and even on that initial call, the rep stated that my card was swiped for those two charges at the same exact time- so this should be the first clue that the gas station attendant was doing something fraudelent. i wouldn't have time to go from the gas station to the store and make those purchases within a minute- i also don't know what i would buy at a gas station for {$360.00} in XXXX- the merchant names don't even match. i finally got Chase 's decision and they said that as a result of their investigation, i will be responsible for these charges since it was done in person with a chip. Chase 's outcome is only based on the fact that the chip was used, nothing else was investigated like asking the merchant what even was purchased with that {$360.00}, etc. if they even requested camera footage, they would see i was in the car the whole time. I explained to them the situation over 6 times at this point and still the same outcome. they are not investigating enough and claiming they did and then telling me to contact the store or the police dept in XXXX just trying to waste my time - that is their job. they are basing this all on the fact that the chip was used in person. as a credit card customer i feel helpless bc chase won't help or even investigate further and the whole point of even using a credit card instead of cash in places like XXXX is to feel protected as a consumer otherwise i would just have used cash. i am a XXXX  myself that hold a certificate, i would never jeopardize my certificate for a lousy {$360.00}. chase is trying to pin this on me and their incompetent staff are not thinking critically, they are probably just going through regular protocols that just don't make sense. the fact that both charges were made at the same time and the two merchant being different should make it obvious. also forgot to mention, chase requested itinerary details and i provided it to them without an issue and then they said that wasn't sufficient although i literally provided what they requested.

Company response to consumer: Closed with explanation