Consumer complaint received 2017-10-01
Company: JPMORGAN CHASE & CO.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX XX/XX/XXXX Attn : Consumer Financial Protection Bureau XXXX XX/XX/XXXX XXXX XXXX, IA XXXX CC : Chase Bank, Mailing Address : XXXX XXXX XXXX, XXXX, DE XXXX CC : XXXX, Mailing Address : XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX RE : Formal complaint against Chase Bank and XXXX XXXX Chase XXXX XXXX # XXXX I am writing to file a formal complaint against Chase Bank and XXXX. 

On XX/XX/XXXX at XXXX XXXX I purchased XXXX Bitcoin ( BTC ) from XXXX   for {$1900.00} using my XXXX XXXX XXXX card. 
On XX/XX/XXXX at XXXX XXXX, I purchased XXXX Litecoin ( LTC ) from XXXX   for {$1900.00} using my XXXX Chase XXXX card. 
On XX/XX/XXXX, I sold proceeds from these and other items on XXXX, and requested that the money be deposited into my XXXX XXXX XXXX XXXX Checking account. I received an email that these funds would arrive in my bank account onXX/XX/XXXX. I did not receive the funds by this date. On XX/XX/XXXX, I notified XXXX via their support center case ID XXXX that I had not received the proceeds. I started to worry that I was being scammed. I advised them that I would be disputing the original ( and subsequent ) transactions with my credit card company. This is directly in response to XXXX not timely crediting my deposit. I received no response to this notification. 

OnXX/XX/XXXX, I disputed the {$1900.00} charge with Chase via dispute case number XXXX. On XX/XX/XXXX, I disputed the {$1900.00} charge with Chase via dispute XXXX. 

On XX/XX/XXXX, over ten days late, I finally received the proceeds from my XX/XX/XXXX sale. I contacted Chase to let them know that it was ok to pay the original amounts of XXXX and XXXX. I was no longer disputing these transactions. Both amounts were rebilled to my Chase account and paid to XXXX. 

Rather than substantively respond to the original disputed amounts, XXXX double charged my XXXX XXXX card for both original transactions, once onXX/XX/XXXX for {$1900.00} and once on XX/XX/XXXX for {$1900.00}. These are fraudulent and duplicate double charges to my account. These are for the two transactions that were originally charged to my account XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( {$1900.00} ). 

I disputed both of these double charged amounts with Chase Bank, via dispute XXXX for the {$1900.00} and dispute # XXXX for {$1900.00}. Chase Bank credited my account back the {$1900.00} but for some reason they failed to credit the second amount of {$1900.00}. I now have a charge of {$1900.00} sitting on my account, which is a duplicate charge for services or products that were not actually ordered or received. 
I am enclosing my transaction history with XXXX to this letter. What you will see are orders in the amount of {$1900.00} on XX/XX/XXXX,  and orders in the amount of {$1900.00} on XX/XX/XXXX. What you do not see is transaction history in the amounts of {$1900.00} or {$1900.00}, because these are not valid charges made by me. They are fraudulent charges created by XXXX without my permission. 

I am also enclosing my transaction history with Chase, showing that there were charges in the amounts of {$1900.00} and {$1900.00} that were credited due to my dispute, and then rebilled due to me having them cancel the disputes. 

I am demanding that Chase Bank reverse the fraudulent double bill of {$1900.00} that is sitting on my account. 

Additionally, when I log into XXXX  they are indicating that I still owe for both the XXXX BITCOIN and XXXX LITECOIN that was purchased, however, they have already been paid for these amounts by Chase Bank. They have also fraudulently obtained an additional {$1900.00} from XXXX for a duplicate transaction at this point. When I log into XXXX, they do not reflect that they have received this amount either. 

I do not have any plan to pay Chase for this fraudulent double bill, and I will be cancelling my credit card with them. If there is any negative credit reporting on my account due to this, I will pursue legal action. 

Sincerely, XXXX XXXX ENCLOSED : EXHIBIT A : 2 Pages. Transaction history from Chase showing initial valid charges and rebills, and duplicate fraudulent charges EXHIBIT BL 2 Pages. My XXXX  transaction history showing purchases for {$1900.00} and {$1900.00}. NO PURCHASES in the amounts of {$1900.00} or {$1900.00},

Company response to consumer: Closed with explanation