Consumer complaint received 2020-05-27
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around XX/XX/2020 the Chase Fraud Department called me and asked if I made a XXXX purchase for {$9800.00}. They might have asked me about other transactions but that is the one I most remember. At that time I said no and the Fraud Department said they would take care of it. 
On XX/XX/2020 they sent me a letter indicating they would send me a replacement card and that I needed to destroy the card that the fraudulent purchase had been made. 

I than received a letter dated XX/XX/2020 from the Chase Fraud Department. No name on the letter only a phone number I could call with the hours they were open. 

The letter informed me that I was not responsible for the XX/XX/2020 purchase of {$9800.00}. 
the letter than indicated that I was responsible for a purchase of {$730.00} made also on XX/XX/2020 from XXXX XXXX XXXX. 

It was apparent to me that whoever made the fraudulent XXXX purchase of {$9800.00} also made the purchase of {$730.00} from XXXX XXXX XXXX to insure the value of the tickets. 

After receiving my XXXX Statement I saw that Chase had charged me the XX/XX/2020 for {$730.00} and included it as the last charge of my XXXX statement. 

I went to my Chase location that I use for my banking and they gave me a number to call. I called the number given me and after waiting nearly an hour was able to speak with someone and was able to inform that person the situation and assured that person that it clearly wasn't me who made the {$730.00} insurance purchase on the {$9800.00} XXXX purchase on XX/XX/2020 that the Chase Fraud Department determined was fraudulent at the time of the purchase. The person I talked to was unable to give me a answer but assured me it would be forwarded to the fraud department and I would be hearing from them some time in the future. 

I than received a letter dated XX/XX/2020 from XXXX a Sr.  Specialist II Fraud Department telling me that after another review it confirmed them that I was the person who purchased event insurance for the person that made the {$9800.00} fraudulent purchase from XXXX. 

On XXXX XXXX I sent a e-mail to the fraud department informing them it made no since that I would purchase event insurance on the tickets that someone else had fraudulently purchased with my credit. After sending the e-mail I received what appears to be a automatic reply thanking me for my e-mail but that it could take up to 90 days for a reply. 

on XXXX XXXX I thanked them for the quick reply but indicated I was not comfortable waiting up to 90 days for a {$730.00} adjustment and that I had decided that if I did not receive it by XXXX XXXX I intended to submit a complaint with the Consumer Financial Protection Bureau. 

I believe it was Monday XX/XX/2020 someone from Chase called me and thanked me for my e-mail and we talked about the {$730.00} purchase and I again covered the fact that this was a fraudulent purchase made by whoever purchased the XXXX tickets. The person I was talking with seemed to agree with my position but informed me she needed to pass it on to the Fraud Department for further review. 

Yesterday on XX/XX/2020 I received a letter from XXXX Sr. Specialist II Fraud Department confirming that I made the  {$730.00} from XXXX XXXX XXXX in order to insure the tickets that someone had fraudulently purchased using my credit card number on XX/XX/2020.. 

I am now filing a complaint with the Consumer Financial protection Bureau The company is Chase and the address they have used is Chase Cardmember Services XXXX XXXX XXXX, DE. XXXX phone number XXXX ext. XXXX

Company response to consumer: Closed with explanation