Consumer complaint received 2023-06-25
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/2022, I hired a business called XXXX XXXX and paid them {$1100.00} for a one-time HVAC duct cleaning service at my house, which a sub-contracted serviceman conducted on XX/XX/2022. That was the end of my relationship and communication with this business. 

However, on XX/XX/2022, while I was traveling out of the country, a business that I do not recognize, under the name XXXX XXXX XXXX, charged my credit card {$1100.00}. This same business then charged my credit card again on XX/XX/2022, for {$850.00} and again on the same day for {$1100.00}. 

I have been in communication with Chase Bank about this since XX/XX/2022, when I first noticed the unauthorized charges on my account. Chase Bank initially gave me provisional credits for all three charges, but then removed the credit for the fraudulent charge of {$1100.00} ( made on XX/XX/2022 ) and re-billed me, calling the charge valid. The only valid and accurate charge is the XXXX from XX/XX/2022. 

After I contacted Chase Bank in XXXX to ask why they removed the credit, they said they needed more information and asked me to submit a letter disputing the charge and any relevant documentation, which I provided. After not receiving an update from Chase Bank, I called them in XXXX to check in. Chase Bank then advised me to submit another letter calling the charge a " duplicate charge '', which I submitted. 

After 66 days without a response from Chase Bank, I called them on XX/XX/XXXX to check in. Chase Bank then told me that based on available information they believe the charge is valid and that too much time has passed since the charge was made for them to be able to help me. This is extremely frustrating as, again, I have been in communication with Chase Bank since XX/XX/2022, and have repeatedly explained the situation while Chase Bank has provided me with conflicting information depending on the representative and department that I speak to, and has requested me to submit different documents, which I have submitted. 

Upon conducting research online, I easily found that this duct cleaning business appears to be fraudulent and a scam ; they use different names, addresses, phone numbers, and email addresses, and create fake XXXX reviews to hook unsuspecting customers. They also seem to constantly list the phone number XXXX under different business names. 

The XXXX XXXX website that I used to hire them initially is no longer active and the phone number they texted me from does not accept incoming phone calls. Therefore, I have also submitted a police report with the XXXX Police Department and a fraud report with the Federal Trade Commission regarding this fraudulent business. 

I am requesting that Chase Bank promptly correct this error, that the disputed amount of {$1100.00} be credited to my account, and that I get an accurate statement. I refuse to pay for this {$1100.00} charge because it is an unauthorized and fraudulent charge by a fraudulent business that is deceiving people.

Company response to consumer: Closed with explanation