Consumer complaint received 2019-07-17
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2018, I purchased an item from Amazon in the amount of {$240.00} and selected to make 5 installment payments. 

A credit card ending in XXXX and issued by XXXX XXXX was used for the initial purchase and the installment payments. The first two installment payments were processed correctly. 

On XX/XX/2018, I was approved and awarded an Amazon Rewards Visa, issued by Chase Bank. The terms and conditions of this card include Amazon adding this card to my Amazon account, and making it the default purchase option for future purchases. 

The 3rd installment payment was charged to this new Amazon Rewards Visa card, unbeknownst to me. In my attempts to resolve this issue directly with Amazon, several representatives have suggested that this occurred because the XXXX XXXX card ending in XXXX was declined, but there is no evidence of this from Amazon or XXXX XXXX. Instead, I have had a few Amazon customer service representatives confirm there is no attempt in their transaction history showing any attempt to charge the XXXX XXXX card, nor any signs of a declined transaction with XXXX XXXX. 

There was no notification provided of this charge to the card from Amazon or Chase. I only realized the error when I received written notification by US Mail that I was delinquent on the Chase account. I had never even logged into or created an account to manage the Amazon Rewards Visa/Chase card since I hadn't knowingly charged any purchase to this card.

I have worked with Amazon and Chase over the last year to resolve this issue to no avail. Amazon has provided a gift card to compensate for the problems, but it has not resolved the excessive late fees and interest charges that Chase Bank is attempting to collect. Chase Bank has also reported me as delinquent to the credit bureaus and reduced my credit score from a high of XXXX  to as low as XXXX  in the past year. 

( Upon receiving the gift card from Amazon in XX/XX/2018, I did make a payment to Chase Bank in the amount that had been charged to them from Amazon, in the amount of {$140.00}. Chase Bank does not dispute this. ) When this problem first came to my attention, I worked with Amazon, who were unwilling to fix any issues, continuing to claim there was nothing they could do and it was a result of my declined card. On hearing this explanation, I attempted to work with Chase Bank to dispute the charges. Chase Bank refused to allow this as a disputed charge with the explanation  that I had received merchandise in exchange for the charges, thus, there is nothing to dispute. They continue to reply with this explanation even today. 

I was told today by Chase Bank that the best thing I could have done in retrospect was to make the monthly minimum payments on their credit card. I did not make any payments, since I had never authorized or initiated the charges, and I felt I did not owe them any money. 
This ultimately is Amazon 's issue to resolve, as they are the card issuer and the terms and conditions are through Amazon and the issue was created by Amazon 's payment software. Again, however, they are refusing to resolve the issue, and I have been stuck between these two corporations since.

Company response to consumer: Closed with monetary relief