Consumer complaint received 2018-10-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm resending the complaint as the Bank responded to my complaint and stated they were in error in denying me the credit. But they have yet to do so, as they're asking for more information. I called to give them more information, and was transferred numerous times, then got that the person handling was gone for the day. But when I called it was in the time periods that they requested that I call. Again the run around.

Im sending this correspondence to complain about Chase Bank handling of an unauthorized charge to my checking account. 



On or about XX/XX/XXXX or XX/XX/XXXX, I went online to obtain my ANNUAL FREE CREDIT REPORT. I located what I believed to be an application for my ANNUAL FREE CREDIT REPORT. But it asked that I pay a {$1.00} so that it knew it was me. Unbeknownst to me, this was a Credit Monitoring Service that after a FREE 7 DAY TRAIL PERIOD, in which I could cancel at any time during that period, then I would be charged {$39.00} per month until cancellation. I immediately called to cancel as I had to read the fine print to know this. I also received an email to welcome me and inform me of these conditions. I immediately replied back to this email and requested cancellation, to which CREDIT MONITORING SERVICE or XXXX obliged. I also notified Chase Bank of this in XX/XX/2018 to void any transactions for the {$39.00}, as one did appear at that time. I made a claim with Chase Bank and they reversed the charge, although I do not have the claim number unless it is the same claim number as mentioned in the Subject line. 



Imagine my surprise to see 2 charges for {$39.00} on XX/XX/XXXX. I immediately called Chase Bank on XX/XX/2018 to dispute these charges as unauthorized, and I was given a temporary credit in the amount of {$79.00}. Chase Bank then cancelled my VISA Card XXXX and issued another card. On XXXX, I did not recognize who these charges were coming from, as I was unable to contact someone until XXXX. It was XXXX, and I spoke with them. XXXX  informed me that these charges were for XX/XX/2018 and XX/XX/2018 and were charged to my VISA card. 



To my surprise again, on XXXX, Chase Bank revoked the credits and charged my bank account as valid charges. I immediately called Chase Bank Claims and they informed me that these charges were past the 60 days that a claim can give me credit for. Chase also advised me to call the merchant, to which I did immediately. XXXX informed me that my debit card was being used by a XXXX XXXX residing XXXX XXXX XXXX, XXXX, KENTUCKY XXXX. I expressed my outrage to XXXX  and they informed me to contact my bank to have these charges reversed. I then called Chase Bank Claims and gave them this information, but they contended that there was nothing Chase Bank could do and the matter was closed. 



I then received a letter stating that they researched the matter and determined that the charges were valid. AS A RETIRED POLICE OFFICE FROM THE XXXX XXXX POLICE DEPARTMENT, I FIND THIS CLAIM OUTRAGEOUS. HAD THEY RESEARCHED THIS MATTER THEY WOULD HAVE DISCOVERED THE SAME INFORMATION THAT I HAD RECEIVED FROM XXXX. THAT SOMEONE STOLE MY VISA CARD INFORMATION AND WAS USING IT TO CHARGE FUNDS FROM MY BANK ACCOUNT. 



I would like Chase bank to reverse the charges to XXXX and credit my account the {$79.00} that was stolen from my bank account, with a letter of apology from Chase Bank for their handling this claim. 



If your office is unable to assist me with this matter, then I will seek legal guidance in this matter. 



Respectfully, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Cell XXXX Fax XXXX " IN GOD WE TRUST ''

Company response to consumer: Closed with monetary relief