Consumer complaint received 2019-05-24
Company: JPMORGAN CHASE & CO.
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged for various items that were ordered with my card and shipped to the apartment I stay at in XXXX for work and school. When this incident happened I had just ate at a XXXX XXXX   on XXXX that night then went to XXXX for the next 3 weeks. I spoke with chase card fraud services near the end of XXXX in hopes of resolving this issue. They began investigating and came to a conclusion that the charges were valid on XX/XX/XXXX even though I was not in XXXX during that period of time. I spoke to them again and the representative reopened the case on XX/XX/XXXX or so, then on XX/XX/XXXX the company told me the charges are valid and they have been reapplied to my card. I have not received any of the said items and I can not afford any of these things as I am just finishing college and going into the work force. The companies that the products came from identified having personal identifying information like my name, address, and email address. When I checked my email I found no trace of these companies in my spam, junk, or inbox folders. I also checked with my leasing office to see if any packages were delivered. I faxed copies of statements showing I was in XXXX during that period of time and Chase I guess overlooked that and said the charges were valid. I also included a copy of my work verification in the attachments, I didnt come to XXXX until XX/XX/XXXX, 4 days before I began work. When I spoke to chase on XX/XX/XXXX they let me know these things were delivered at the end of XXXX. I was in XXXX with my family during this time. I have also attached my credit card statement which proves I was in XXXX at the time of the incident. I find it odd that even after sending proof of my statements and then speaking with a chase representative on the XXXX named XXXX confirmed receiving the documents them still can not prove my case. 


Below are the disputed charges : XXXX XXXX- {$150.00} XXXX XXXX XXXX  XXXX XXXX- {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX- {$44.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX- {$950.00} XXXX XXXX I had not heard of these companies at all until these charges occurred. I also filed a police report on XX/XX/XXXX with the XXXX police department. The case number is XXXX. I also filed a complaint with IC3 .gov on XX/XX/XXXX in hopes that they will catch the person that used my card. 


Chase has told me to send them documents to prove my innocence, I sent them more than enough proof, including my XXXX XXXX statement from the period of time when I was in XXXX. 

On XX/XX/XXXX I received the second statement from chase explaining they had ended their investigation and have confirmed I received benefit from 5 out of the 6 charges that were disputed. The one they said was fraud was the XXXX XXXX charge from XX/XX/XXXX. This further validates the lack of investigation the company instilled into this case. When I spoke to the company all three or four times they confirmed the products were delivered in the same time window, which was the period of time when I was out of town. I feel unjustly charged for something I did not do. Please take all these things into consideration. I have also included all statements from chase over the course of this period.

Company response to consumer: Closed with explanation