Consumer complaint received 2020-08-15
Company: JPMORGAN CHASE & CO.
State: MA
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:
4 Transactions were placed using my Chase Credit Card. The dates were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I have reported this 3 times to Amazon and reported that packages I did not want or request were sent to me. I explained that the card used for the transactions was not the card associated with my Amazon account. I was directed to Chase Bank to dispute the charges and claim it as fraud. 

My Chase card has a Zero Liability Benefit that is one of the main reasons, I kept my account with Chase. I have tried working with Chase Bank to resolve this since XX/XX/2020. I have had my investigation reopened twice and I am being told that i will am responsible for those charges made. So I am guessing that whoever made these charges will be allowed to keep making them and I just get to front the bill then? This also means that the zero liability benefit is not a valid benefit either. 

I contacted Amazon on : XX/XX/XXXX- I had chatted a representative about 3 transactions that were unauthorized. She had agreed that the account did not match my information and had a different phone number. She told me she would refund the charges. I had told her that I received packages and gave her the order numbers. Because I could not verify the account details, i was unable to file anything or send back the packages. 

XX/XX/XXXX- A new recurring charge was charged by Amazon . I called and was told that they would not be opening an investigation nor would they be able to report the fraud account. I would need to dispute it with my bank. 

XX/XX/XXXX- I called again and spoke to a supervisor, XXXX who explained the same thing as the representative on XX/XX/XXXX. I asked the supervisor for contact information where i could file a complaint. I then sent an email to XXXX I spoke to Chase : XX/XX/XXXX- Received an email about a fraud charge. I then checked my statement and noticed multiple charges that were unauthorized. I spoke to a representative who disputed the charges and closed the card. I was issued a new card. 

XX/XX/XXXX- Noticed another charge for an Amazon Prime account. I had canceled my prime account on XX/XX/XXXX, so there would be no charge for XX/XX/XXXX. 

XX/XX/XXXX- I had received a notice on my account stating that the investigation was closed and because Amazon confirmed that the packages were sent to my address ; that it must have been me who ordered it. So i was being told to pay the balance. I spoke to a representative who reopened the investigation. I sent in proof that it was not from my account. 

XX/XX/XXXX- i logged onto the Chase website and saw a new notice. It stated that the transactions are valid. So i am being required to pay for four different transactions equalling close to {$100.00}. 

At this time, Chase is not abiding by their Zero Liability Benefit and is requiring that I pay money I did not authorize to be spent. No one else has access to my bank accounts. 
Amazon will not let me send back the packages because I can not request a refund from an account that is not mine.

Company response to consumer: Closed with monetary relief