Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, I'm writing in connection with a recent fraud inquiry involving my Chase Sapphire credit card, wherein I received 2 consecutive fraudulent charges on XX/XX/2021, but only the first of them was properly flagged as fraud and refunded. I have just received a letter from Chase notifying me that my second attempt at having them investigate the second charge in question has been denied. 

As background, during a vacation I was taking in remote regions of XXXX I received the first fraudulent charge for {$3400.00} from XXXX XXXX XXXX, which Chase correctly rejected. My credit card number was automatically changed and Chase notified me of being sent a new physical credit card. However, a couple hours later, the charge in question was admitted for {$4500.00} from XXXX XXXX XXXX using my previous card number. I immediately contacted Chase to notify them of this second charge, and a ticket was opened for fraud. The fraud department eventually denied this claim because the scammer used my name and mailing address to " ship '' a product to themselves. As you will see below, nothing was ever shipped to me, and this is clearly a circular scam in which the merchant charges the fraud victim and then make it look as if they received something in return. My proof that this was not me making a purchase is 1 ) I was not at my home to sign for the package as claimed by the merchant, and 2 ) when requested that I reach out to the merchant to get proof of fraud, the response I received is clearly that of a scammer ( screenshot attached ), as they offered for me to resell the " good '' at a higher price and also to connect with them to sell items in the U.S. Your common merchant does not respond this way. 

Furthermore, I am confused how this charge in question was never flagged as fraud when the same credit card # as the first flagged transaction was used to make this one, and by the time I had noticed this transaction Chase had already automatically assigned me a new number. 

On XX/XX/XXXX I contacted Chase again to open up the fraud inquiry once more, and sent documents with proof that I was out of the country until the XXXX of XXXX, and thus not home to receive or sign for any package, as the seller claims that I have. I also explained that I have never before made such large purchases for commercial goods, especially two in a single day, much less from random XXXX accounts in XXXX. It's very clear from two such purchases in one day that my card information was stolen and used to make extravagant purchases that are not in line with my normal spending habits.

I've just received notice that the Chase has again denied my fraud claim. It's ludicrous that of the two consecutive charges, both of which are seemingly for luxury items from foreign merchants, both of which are uncharacteristically large purchases for my account, only one of them is counted as fraud.

Company response to consumer: Closed with explanation