Consumer complaint received 2019-08-14
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX of XXXX, we starting seeing amounts of {$100.00} that were being hit on our credit card from XXXX  convenient stores, XXXX Gas Stations, and XXXX. This happened for the month of XXXX. We did not lose the card so there are legitimate transactions that were taking place during this period. 

We contacted Chase services and spoke to there fraud department. We explained that we did not lose the card and that we see unauthorized charges amoung legitimate charges. They removed the charges at the end of that month in XXXX of XXXX. We have just gotten a letter explaining that we received benefits from the transactions and they put every charge back on to our account. We got this letter on XX/XX/2019We called and explained that we wanted to know how the investigation was done to determine how they came up with us having to deal with roughly XXXX of transactions made at XXXX, XXXX, and XXXX convenient stores? 

We called back on the night ofXX/XX/2019 and asked to speak to a manager. They told us that because it's a chip-based card it can not be compromised and we must have swiped the card. Unacceptable and it tells me that they did not do any kind of investigation. In-fact it is known that because it is a chip-based card credit card companies are using this as an excuse not to handle fraudulent charges for customers. 

A few issues with Chase : 1. Sounds like they never contacted XXXX, XXXX, or XXXX. They simply stated it was as a chip-based credit card so it cant is compromised. This is not true. These cards are not 100 % safe. In-fact after speaking with a manager on XX/XX/, she told me that most of the transactions were swiped. The chip was not inserted into the reader. 

2. I asked how the transactions were done. Was it by the chip reader or swiping? The replay by the fraudulent department manager said most were done by swiping the card. If a card gets swiped how does the chip work? They told me the chip still works when you swipe the card. I would like this confirmed? 

3. I have had them reopen the case and have left notes that they need to contact XXXX to see if they can get camera footage when the card was supposedly swiped by myself or my wife. This is the solution as they will see that I nor my wife swiped the card at the times they are telling me the transactions went through. 

The transactions time and date in question : XXXX {$100.00} - XXXX Time : XXXX XXXX XX/XX/2019 {$75.00} - XXXX XXXX - Time XXXX XXXX XX/XX/2019 {$75.00} - XXXX XXXX - Time XXXX XXXX XX/XX/2019 {$100.00} - XXXX   XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX  XXXX XXXX XXXX   XX/XX/2019 {$92.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX  XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX - XXXX XXXX XX/XX/2019 {$100.00} - XXXX - XXXX XXXX   XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX  XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX   XX/XX/2019 {$100.00} - XXXX XXXX XXXX XXXX  Total XXXX I am willing to take any measures necessary to prove these were not done by myself or my wife. camera footage, etc ... I also want this published on consumerfinance.gov to help others that are facing the issue of credit card companies using the chip method as a full proof plan not to remove fraud charges.

Company response to consumer: Closed with monetary relief