Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: FL
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 will identify as XXXX. I am a Florida XXXX XXXX XXXX, the 17-year-JP Morgan Chase Visa account-holder in excellent standing, and the direct victim of unfair and unlawful billing practices ( 5 DOCUMENTED, WILLFUL violations of the FCBA ) by JP Morgan Chase Visa. XXXX is my son, is a law school student out of state, and the direct victim of a scam perpetrated by someone named XXXX whom Chase Visa willingly refuses to make effort to protect my assets from. 

XX/XX/XXXX, XXXX-XXXX attempted to perpetrate a Dynamic Currency Conversion Scam, known to banks and credit agencies, on my Chase Visa ( refer to XX/XX/XXXX paragraph below for details of incident that occurred in XXXX ). I immediately reported it to Chase Visa, ON  THIS DAY, to notify them of this potentially fraudulent transaction and was told by Chase Visa my card would be canceled, as as it is now compromised ; misused by a stranger and, you will not be responsible for the unauthorized charge. New card will be issued. I asked if there was anything further I needed to do?, and the gentleman said no, you can stop worrying. 

SEVENTY-SEVEN ( 77 ) DAYS ELAPSED ... 

XX/XX/2019-I just happen upon a post to my account for the XXXX scam. I have alerts set and NO COMMUNICATION OF ANY KIND was sent to me. In addition, foreign transaction fee was added. Chase Visa NEVER MADE ME AWARE an investigation was even taking place. 

XX/XX/2019I call XXXX. Spoke to XXXX. I explained it appeared that when XXXX was at XXXX XXXX he attempted to hale a taxi, his card was taken by someone posing as a driver and was told his fare would be XXXX ; equal to XXXXUSD, and took his Chase Visa , disappeared to an undisclosed location for an extended period of time, returned to give XXXX  his card back and told XXXX no receipt, your card did not go through and turned quickly and ran-thus rendering this transaction undelivered goods and/or services. Id already told this to Chase Visa on XX/XX/XXXX. XXXX said, it looks like it did not convert as it was supposed to and she instructed me to file a dispute, write a letter, fax it to XXXX, which I did. 

Since that XX/XX/XXXX call, Chase Visa has refused me customer service, refused to comply with all requests to supply me with evidence of an investigation, employed a shifting set of reasons to justify this fraud ( labeled first a fraud, then dispute, then it didnt convert from CLP, to most recently not supposed to be billed in CLP ),  and most importantly Chase Visa has willfully and intentionally committed repetitive violations of the Fair Credit Billing Act ( FCBA ). 

Chase Visa FCBA Violations ( documentation included in attachments ) : 1. No notice ( written or otherwise ) provided EVER provided ( required to do that within 30 days ) that an investigation of the XX/XX/XXXX incident was taking place ( see XX/XX/XXXX screenshot attachment of notices and letters posted to my account ). 
XXXX. Resolution to an investigation must take place within 60 days ( see screenshot attachment of XXXX post on XX/XX/XXXX then again on XX/XX/XXXX ). 
3. Refusal to refrain from reporting and threatening to report delinquent payment to credit bureaus to affect adversely on my credit during fraud/dispute investigation/resolution ( see attached letters from Chase Visa dated XXXX, XXXX and XX/XX/XXXX ). 
4. Refusal to withhold charges of interest during fraud/dispute investigation/resolution ( see attached copy of charge on statement ). 
5. Implementation of unfair/unlawful billing practices as related to unauthorized charges and currency conversion-how can it be legal to say no documentation on file that supports merchant was to bill ... in Pesos when EVERY SINGLE FOREIGN TRANSACTION WITH CHASE VISA I HAVE HAD OVER YEARS has been merchants billing in THEIR COUNTRYS currency ( set the precedent! ), and SUDDENLY THIS transaction doesnt?? - ( see starred paragraph on attached letter from Visa dated XX/XX/XXXX ). My account records will reveal EVERY foreign transaction to-date, has converted from that country to USD.

Company response to consumer: Closed with explanation