Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: KY
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:
Per XXXX  last week with CFPB staffer, I'll be mailing copies of relevant documents, etc. via USPS to your agency. Briefly, CHASE Bank alerted me via XXXX  to a suspicious charge of {$120.00} on my credit card account. I told employee that this charge, not yet on my monthly statement, was fraudulent. Employee said CHASE was canceling my card and sending me a new card, that I could either return old card to CHASE or dispose of it myself. I STILL HAD MY CREDIT CARD IN MY PERSONAL POSSESSION. I NEVER LOST OR MISPLACED THIS CARD. I NEVER SHARED MY CREDIT CARD WITH ANYONE ELSE, NOR DID I EVER SHARE MY ACCOUNT NUMBER WITH ANYONE ELSE. I called XXXX to learn about this fraudulent charge and learned it was for a " 20-piece jar set ''. At a later date, I called XXXX again and learned the seller was apparently based in XXXX. I never ordered this item either for myself or for anybody else. CHASE has " reviewed '' my complaint twice and concluded I owe it {$120.00}. As for my old VISA XXXX credit card ending XXXX, I returned it to CHASE Visa Card, Customer Service, XXXX. XXXX XXXX, XXXX, DE XXXX on XX/XX/XXXX, via USPS Certified Mail. Per USPS toll-free XXXX, my old card was delivered to zip code XXXX at XXXX XXXX  on XX/XX/XXXX. As an additional security measure, I had cut the card twice to remove the third set of sixteen 4-digit numbers. On XX/XX/XXXX, I mailed my current monthly credit card payment to CHASE for the full amount MINUS the fraudulent charge. 

By way of background, I am a retired federal civil service employee. In addition to my four years of honorable service in the XXXX, I worked nearly nine years for the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX XXXX and XXXX to federal agencies in Kentucky and XXXX Indiana and later in Tennessee. I've also worked in the XXXX  XXXX  for XXXX, XXXX XXXX XXXX, and the XXXX  XXXX XXXX in California and Kentucky, retiring on XX/XX/XXXX. I hold a XXXX XXXX in the XXXX XXXX XXXX and was the XXXX XXXX XXXX at XXXX XXXX, XXXX During this period, I was tasked by medical center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  to develop a 10-week supervisory training program. Before coming to XXXX, Dr. XXXX had been the VA 's Undersecretary for Health, reporting directly to the Secretary of Veterans Affairs and through him to the President of the United States. Dr. XXXX had been the head of the VA healthcare system consisting of 171 medical centers as well as several hundred outpatient clinics/etc. including the VA healthcare facility in XXXX, the XXXX. Since my retirement, I have volunteered for my cathedral 's dining hall for the homeless and the area 's XXXX  program, albeit not in recent years. 

Per advice of my CFPB contact, I'll be sharing copies of my complaint with the Federal Trade Commission and the Kentucky Attorney General 's Consumer Protection office. I've always exercised care not to compromise my credit card or associated account. In a nutshell, barring any other information of which I'm unaware, I think CHASE staff are calling me a liar. CHASE has never bothered to give me any *specific* information that might somehow justify its position that I owe it {$120.00}. At best, it has given me a " canned '' reason that " [ I ] received benefit for this transaction ''. What " benefit ''??? 

Thank you for looking into this matter.

Company response to consumer: Closed with monetary relief