Consumer complaint received 2020-02-06
Company: JPMORGAN CHASE & CO.
State: ID
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 have been a solid Chase Visa client for some twenty years, and have always paid my due payments on time. Because of that, my credit score is over 800 points. In XX/XX/XXXX, I have noticed massive amounts of charges coming from a company called XXXX. The charges were made from fifty-three ( 53 ) XXXX rides between XX/XX/XXXX - XX/XX/XXXX, to the tune of {$650.00}, which translates roughly into one XXXX ride more than every other day for these three months. Since our ( my wife, kids and I ) usual pattern is to use XXXX perhaps once every other month or less for $ XXXX per ride, upon examination of my statement in early XXXX, on  XX/XX/XXXX I called VISA 's fraud department to report the fraudulent use of my card. 

On XXXX XXXX, XXXX I received a letter from Visa 's Fraud department acknowledging the fraudulent charges, temporary removal of charges associated with them, pending investigation, which should have been a normal and final resolution of the case. 

To my delight, on XX/XX/XXXX I received a letter from XXXX stating that during the investigation it was determined that the charges were fraudulent and they will be permanently removed. 

Unfortunately in XX/XX/XXXX, for very unknown to this day reason, all the fraud charge removals were reversed and I received a XX/XX/XXXX bill with {$650.00} charged back to my card!

In XX/XX/XXXX I had at least five long discussions with various people, mostly from now " Recovery Department '' who must have been given an order to deny fraud claims, perhaps, so XX/XX/XXXX could look better on their books? I talked to ( XXXX ) XXXX from XXXX, then was told to call XXXX XXXX   at extension : XXXX ( who promised to send me a proof for the claim validity and never did ), then the other two I do not remember, and now XXXX at extension : XXXX. All sr. Specialists II, Fraud Department, or Recovery Department. 

On XX/XX/XXXX I received a letter from XXXX, Sr Specialist II, Fraud Department where hse states the following : " We have reviewed your claim again ; here is what we found. Our latest review confirms the " previous finding that the transactions are valid ''. After calling and talking to her she has promised to send me a proof based on which she made that decision, but instead, on XX/XX/XXXX, I received the same letter from a new Sr. Specialist - XXXX ( XXXX ext. XXXX ). 

I am lost. 

Consequently, after countless phone calls with the Visa Freud " Recovery '' Department in XXXX and XXXX, being extremely, extremely frustrated with their total disdain towards me and utter lack of response or providing any proof that would validate the charges ( they have told me that they have received it from the XXXX ), I  have resorted to filing this complaint and starting to consult with the legal professionals. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation