Consumer complaint received 2019-10-25
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: Overcharged for something you did purchase with the card

Complaint:
So on XX/XX/XXXX I went to purchase gas at the XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX in XXXX. 

When paying credit at the pump the merchant ( XXXX ) placed a {$120.00} hold on your account until you finish pumping. ( Common practice for gas stations ) in their case I paid {$55.00} in gas. # ChaseBank then refuses to release the {$120.00} hold on my account. 

I then had a conference call with Chase Bank and the merchant ( XXXX ) and the merchant confirms that it is a hold and not a charge. 

Chase then releases the hold the very same day and then 2 months later they charged again. I repeat the process of calling the merchant and the Bank on a conference call, the merchant faxes paperwork, then Chase plays this game like we didnt get your paperwork. So I then call the merchant on 3 way and the confirm it was sent to the fax number provided  by Chase. Chase then reversed the charges and send me on my way. 

Here it is XX/XX/XXXX and # ChaseBank once again has debited the {$120.00} out of my account again for the same transaction that was made on XX/XX/XXXX. 

Once again I am on a 3 way call with Chase and the the merchant and it is the same story all over again. 

I have spoken to 7 different supervisors and despite the merchant telling Chase that there is no issue on the customers end and that the issue is between the merchant and the bank and the transfer of information the claims department at Chase said because I originally reported it as fraud and it is not fraud they are NOT going to credit my account or refund me my money. 

When I now get the merchant on the phone Chase Bank hangs up the call. 

Both Chase and the Merchant have both agreed that I am not the one responsible for this issue and that I do not owe the money. However Chase is unwilling to do the right, moral, ethical and professional thing by returning my money and freeing up my account. 

Regardless if I reported it as fraud or not I conveyed to Chase that I do not work for them or the merchant and do not have access to the info that you all have for me to determine if it was fraud. But regardless, I should not have a billion dollar bank stealing money from me. 

Today my account is - {$110.00} as a result of the {$120.00} charge minus the gas money. 

As a result of this I was unable to pick up my XXXX year daughter from school yesterday which presented another challenge and problem. 

I am now faced with additional financial issues because I can not use my account and have to wait to get paid to open a new one.

I posted this to social media and I found other people who have had this issue with them. 

I see this as a scam tactic to get more money out of their customers. 

Can you guys report this please. I am a licensed XXXX XXXX XXXX here in California and a single father I can not afford to have my money stolen and bill collectors penalizing me because my account is over drawn to no fault of my own because Chase refuses to do what is right by their customer. 

Right now as we speak the banker at Chase who opened my account feels so bad and dont understand why they are doing this so she is trying on her end to file an appeal on my behalf. I have a log of everyone I have talked too. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief