Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/2020 - {$430.00} XXXX XXXX {$210.00} XXXX XXXX {$320.00} XX/XX/XXXXXXXX {$430.00} XX/XX/XXXX - {$320.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$430.00} Chase Bank refuse to chargeback these unauthorize charges to Merchant who you cant even talk to on the phone with anyone to ask questions. All they can do is email me stating charges are valid and I'm held accountable and it's not fraud. I cant even ask how they came up with this decision. I have appeal this 3 times with Chase and the same generic answer all 3 times. 

It all started when I first receive a text message on my phone from Chase Bank over the weekend about possible fraud charges from " XXXX XXXX XXXX `` internet charges on XX/XX/XXXX. Due to where I was at the moment, the earliest I could get back with them was that Monday morning XXXX to question what was going on. I told the bank those charges wasnt made by me and I didnt recognize it. So i thought my account was compromised already so we agreed to change credit card number and all that. In the meantime, they said they will reverse the charge back to the vendor while they investigate or do whatever. After some investigation, they told me those XXXX charges are valid and I was responsible for it. Everything is done by email to Chase Fraud department because they are not taking calls due to our ongoing covid pandemic and they will call you if they have any questions. After about almost 2 months of back and forth between Chase and XXXX, I was only told by both side I'm responsible with no explanation. My complaint here with the bank is how they handle the fraud situation. They accuse me of lying first off saying that its not fraud because the email associate with XXXX actually belong to a family member which took awhile for me to even found that out. If I didnt authorize any purchase, that is fraud to me. Second, I have credit card alerts set up on my credit card to notify when there is an online purchase made. Chase has been good about notifying me when there is any charges except these 7 fraudulent transactions that occur within a week time, why did i not have a notification of the 1st transaction on XX/XX/XXXX?. I had no notification sent to me when the transaction first started on XX/XX/XXXX. These transaction were duplicate transaction as well over the course of several days. Days later when Chase probabaly caught on knowing its fraud was when I got my first notification on XX/XX/XXXX. By then it's too late. I can not talk to anyone on the phone at XXXX to dispute these charges. All I can do is fill out a form and let them investigate. The anwer I got back from XXXX was its valid. No explanation to these {$2500.00} of gaming from XXXX or XXXX. ( I had to do extensive research to try to find out where its from ). I told Chase I refuse to pay charges to a company that I cant even talk to anyone to dispute or even give me an explanation. I want them to chargeback to XXXX and let me deal with it. Chase fraud team specialist did advise me that due to Covid you cant talk to XXXX. If I am unable to even talk to them then I should not be held liable and Chase should chargeback those to XXXX. I have also file complaint againt XXXX.

Company response to consumer: Closed with explanation