Consumer complaint received 2020-08-15
Company: JPMORGAN CHASE & CO.
State: MI
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:
XXXX XXXX : my Amazon Chase cc # was stolen while I was visiting my daughter in XXXX. Over the next year, I failed to closely scrutinize the Chase statement. Meanwhile, someone was making small purchases through Amazon. Not once, during the entire year, was I contacted by Chase about suspicious charges. 
XXXX XXXX : Again in XXXX, my wallet was stolen. When I opened the Chase account to shut down the card, I noticed the balance was about {$9000.00} more than it should have been. 
XXXX XXXX : I notified Chase of the fraud, and they returned all the fraudulent Amazon XXXX charges. Later that month, they changed their minds, stating that as my daughter had used my card, with my permission, in XXXX, where she lives and works, to make purchases, all the charges were therefore " valid. '' At that point, both my daughter and I submitted screen grabs of all purchases made at Amazon in XXXX. Not one of those contested Amazon XXXX charges appeared on either of our accounts. I also contacted Amazon to see what they could do, but as the fraudulent charges were not made through my account, or my daughter 's, they couldn't track the purchases and referred my back to Chase. 
XXXX XXXX : I took out a XXXX loan and transferred the fraudulent Chase charges to XXXX at half the interest rate. 
May 2020 : a retired police officer I know suggested I report identity theft with local law enforcement. That seemed like a waste of time in the time of Covid, plus I was 2000 miles away from XXXX, where the theft occurred. 
XX/XX/XXXX : XXXX sent information about what to do if one experienced identity theft. I followed those instructions and sent a letter to Chase via XXXX and the Federal Trade Commission. 
A few weeks later, Chase contacted me and asked that I resubmit my XXXX Amazon account screen grabs as a PDF, plus a letter from Amazon stating that they could not track the charges through my account. They also wanted a letter from Amazon stating that I'd changed my Amazon password in XXXX XXXX. I submitted those documents the same day. 
XX/XX/XXXX : Chase sent a letter through my account saying that the charges were still determined valid, and not to contact them again unless I had new information. HOWEVER, they also returned about {$5000.00} worth of the fraudulent charges from XXXX, leaving out those from the end of XXXX and all of XXXX -- when all of the lager fraudulent purchases occurred. I guess this is better than nothing, so I accepted the offer. 
My advice to travelers in XXXX is to use ATM machines -- NEVER use your card in any business establishment. I also advise that you leave your Chase card at home when you travel abroad as they are not interested in tracking suspicious charges and will not send fraud notices via text. They used to, but not anymore. I feel like, in the end, I got lucky -- but I'm still out about {$4000.00}. Even more painful in these Covid times.

Company response to consumer: Closed with explanation