Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
I would like to request the intervention of the Consumer Financial Protection Bureau regards to the billing dispute for amount of {$5400.00} dollars that I did not authorized from my credit card with the CHASE BANK. 

CHASE BANK is refused to protect my account from the fraud which was made by the XXXX restaurant named XXXX ( XXXX XXXX XXXX accordance with the the XXXX  company name ) on XX/XX/XXXX, during my vacations in XXXX. 

The facts On XX/XX/XXXX, in the afternoon I went to XXXX restaurant with my girlfriend in XXXX, XXXX. We ordered ( 2 ) two beers, ( 1 ) one Greek salad and ( 1 ) one entrie. According to the Menu 's restaurant the cost for all that food was around XXXX euros. At the time to pay, the waiter asked me for my credit card to enter it to the Terminal. He told me that the Terminal did not work because there was no good internet connection. Then he asked me to pay in cash. My girlfriend paid and the waiter take the bill and the cash. So we walked away. We had not any receipt for the purchase. 

Few minutes later, I received an alert text message in my cell phone from CHASE BANK to verify a suspicious charge of {$5400.00} dollars. ( Attached you will find the screenshot of this message ). Immediately I called to the CHASE BANK Costumer Service to inform that I was not me who I approved the charge and to cancel my credit card. The representative of CHASE BANK told me that they will began an investigation concerning this issue and canceled my credit card. 

At that time I decided to come back to the restaurant XXXX-XXXX  to ask for a copy of thereceipt, unfortunately the waiter told me that hecould n't find it. Then he denied me to make another copy and a possible invoice as well. That situation was very suspicious. 

I was on vacation during two weeks in XXXX on XX/XX/XXXX and I did not spend {$5000.00} dollars in my wholetrip using my credit card with CHASE BANK.

On XX/XX/XXXX CHASE BANK sent me a letter to inform that the merchant has provided information in order to make the charge valid. Immediately I observed that the restaurant presented afalse receipt and they falsified my signature. So I decided to continue with the billing dispute.

I sent a response letter to the CHASE BANK on XX/XX/XXXX to inform that I did not sign any bill becausethe credit card terminal was not working as I told the representative of CHASE BANK by phone call on XX/XX/XXXX. ( Attached you will find a copy ) On XX/XX/XXXX at XXXX XXXX CHASE BANK send me an e-mail to notify that the disputed charge was valid and to inform that the investigation was closed. So I am very surprised about this decision and I called CHASE BANK at XXXX XXXX  to know more details about the investigation and to explain me the bases of this decision. The representative told me that the disputed was close and I would need to call to the Fraud Unit becase that issue it was not a disputed. 

I fell that CHASE BANK should do a more detail investigation to make a decision about this Fraud. I did not approved {$5400.00} dollars with my credit card and I have never signed any receipt. The merchant falsified my signature in order to claim a valid charge on my behalf and sadly CHASE BANK validated this charges. I sent an e-mail to CHASE BANK with my letter of response as well a copy of my passport with my legal signature to compare with the falsify signature that the merchant presented. In addition I sent a copy of photos that my girlfriend and I have taken when we have dinner in that restaurant. 

How is possible to spend {$5400.00} dollars in ( 2 ) two beers, ( 1 ) one Greek salad and ( 1 ) one entrie? It is my question because my bank statements with CHASE BANK did not exceed that much money for a meal.

Company response to consumer: Closed with monetary relief