Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: PA
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/XXXX, XXXX I sent a letter to Chase about fraudulent charges from a company by the name of XXXX XXXX 

XX/XX/XXXX, XXXX Up to this point I have heard nothing from Chase . Nothing I am writing to inform you about the fraudulent/scam charges on my Chase Credit Card XXXX I am requesting that all charges be taken off my account that are related to XXXX and XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. You have already closed my credit card account due to this company, after Ive been a loyal card member for years. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you don't plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. I can not pay this amount of money and I will not pay it. If you dont reverse the charges you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I'm so disappointed that Chase works with a company like XXXX. Thank you for your assistance. 

XX/XX/XXXX, XXXX Chase tells me they have investigated the charges and they are valid and I will have to pay. ( Attached ) XX/XX/XXXX, XXXX I dispute their investigation and tell Chase I want proof of the investigation and purchases. I am sorry but the letter that was sent to me on XX/XX/XXXX regarding the fraud claim doesn't follow the Fair Credit Billing Act. By law, I have the right to request all paperwork/contacts/investigation regarding this account and you must provide that to me. " Assuring '' me that it was investigated properly is not enough. I will be contacting and filing a complaint with the Federal TradeCommission, XXXX, and the Consumer Financial Protection Bureau. I suggest you drop these charges. I will also be contacting my attorney regarding my rights and how they've been broken in so many ways. 
This is directly from the Federal Trade Commission 's Website. Bolded/highlighted sentences are all the areas that Chase did not follow the law. 

The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. You closed my account during a dispute. 
The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA. For example, a creditor cant deny you credit just because you've disputed a bill.You closed my account during a dispute. 
If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. Which I have requested numerous times without any explanation.

If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. Notice the why- I have requested this many times and I get nothing. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute.

Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. Your company has failed to follow the law. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period. 

XXXX XXXX Chase tells me they have investigated the charges and the dispute has been resolved. I dont owe anything and that We credited your account for the full disputed dollar amount. 

XX/XX/XXXX, XXXX Later in the day We are researching the charges and will need more information from me. 

XX/XX/XXXX, XXXX I get another letter that says Chase is researching the charges and will need more information from me. 

XXXX XXXX I get another letter that says Chase is researching the charges and will need more information from me. 

I refuse to pay any of these charges. Chase has broken the law.

Company response to consumer: Closed with explanation