Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit 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:
On XX/XX/, a credit charge in the amount of {$1700.00} was placed on my Chase card ending in XXXX  by XXXX XXXX XXXX. I have never been on board this cruise and did not authorize this charge. Furthermore, I did not authorize anyone else to use my card. Following failed attempts to resolve the issue directly with XXXX, I contacted Chase Card Services on XX/XX/, and initiated a dispute of the transaction. As of XX/XX/, this matter remains unresolved. 

I do not believe that Chase Fraud Department has conducted a thorough investigation of this matter i.e. on XX/XX/, I received a telephone call from a member of Chase Fraud department who advised me to submit a written statement regarding the disputed transaction for review, however instead of awaiting receipt of the requested document at the end of the telephone call the representative informed me that she was closing the dispute. She further stated that once I obtain the requested information that I should contact the Fraud Department to have the disputed claim re-opened. Closing a claim or case on the date of requesting additional information is nonsensical. Considering this action, it appears that Chase Fraud department prioritize closing disputes instead of actually investigating and resolving them. 

On Saturday XX/XX/, I was at a theme park with my family and friends, and prior to getting on one of the parks ride, I gave my belongings to someone to hold. It was not until the next day that I realized that I did not have my credit card and I contacted the person whom was in possession of it at the theme park the previous day. The person informed me of their location for me to retrieve my card. Despite my attempt, I was not able to get to the person before they boarded the XXXX XXXX. I submitted a copy of text message exchanges between that person and myself to Chase wherein I informed the person that I was en route to retrieve my card but stuck in traffic. Ultimately and unfortunately, I did not make it to the cruise port prior to the departure of the cruise ship and thus unable to retrieve my card. 

Meanwhile on the cruise, my cards along with other important documents were placed inside of the safe of the assigned cabin, this was followed by a room change. Several hours after the room change, a member of the cruise staff brought the items that were left behind in the safe of the originally assigned room including my card to the new room. All of the credit and retail credit cards in the possession of the person whom had my card were later found to have been compromised. Large sums of money were charged onboard the XXXX XXXX. XXXX informed me that they have a policy that includes 100 % identification check with credit card use. I question this policy considering that I was not onboard the cruise. Chase received proof that a room change occurred and signed sworn statements from myself and the person in possession of my card that the transactions were unauthorized and therefore fraudulent. In spite of this as well as Chase banks XXXX liability fraud protection guaranteeing 100 % reimbursement on any unauthorized transactions, Chase has found me liable for the charges made on the XXXX XXXX XXXX and I can not determine how they arrived at that conclusion, when I requested this information, they sent me a copy of the bill that XXXX XXXX provided them. The bill does not have my name or signature on it. The bill proves nothing, which is seemingly enough evidence for chase to find that liability rest with me. Prior to the application of the {$1700.00} charges from XXXX XXXX my Chase account had a XXXX balance. Without notifying me, Chase has added late fees and interest rate bringing the balance to {$1800.00} in addition to reporting my account as delinquent. They led me to believe that the charges were suspended while under investigation. I am now forced to repay unauthorized fraudulent charges. I last spoke with Chase Bank regarding this matter on XXXX XXXX XXXX wherein they promised to contact me within 2-3 business days. As of XX/XX/2023 they have not contacted me.

Company response to consumer: Closed with explanation