Consumer complaint received 2022-12-11
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: Card was charged for something you did not purchase with the card

Complaint:
My dispute is with Chase bank regarding a business card account in the name of a small business I owned for 31 years named XXXX XXXX and XXXX XXXX based in XXXX XXXX, XXXX The current card number ends in XXXX. I do not have the old or current full number of the card as I do not recall ever seeing this card. Chase alleges that I applied for this card in XXXXXXXX XXXX XXXXXXXX and gave my sister authorized use. I retired in XXXXXXXX XXXX XXXXXXXX and sold the business XXXX. I do not recall applying for this card but I may have as that was XXXX years ago. My sister may have applied for this card or she may have added herself as an authorized user. When I sold the business I asked if all the credit card accounts were paid in full and closed. She said yes. 

During most of the years that my business operated my sister worked as my business manager. I counseled my customers and she did the administrative work. In her capacity as manager, she had access to all of my personal information. After my retirement, I began to spend most of my time in a XXXX. My sister began handling all of my U.S. responsibilities including receiving and paying my credit card bills. I used a house we shared as my legal U.S. address. 

My sister XXXX suddenly in XXXXXXXX XXXX  XXXX and I was executor of her estate. 
In this role, I discovered that she had been personally using the disputed card. At her death, the balance of the card was about {$17000.00}. The card was not overdue as she had been making regular payments. I called Chase and they asked me to file an identity theft report which led to investigation. During the past 15 months have made many calls to Chase with no resolution and was sent numerous letters saying there investigation determined that I was responsible for the paying the account. I have asked to see the application and they have not sent it. I recently was told why they think I am responsible for the account. 

In XXXX I called Chase to cancel my deceased husband 's credit cards as I was executor of his estate. In his office, I found a stack of cards from numerous banks and in my grieving state canceled at least 10-15 cards with Chase and numerous other banks. One appears to have been with the account in dispute. My husband was a partner in my business. They allege that I must have known about the existence of this card because I canceled it. The fact that I canceled one of many cards in my husband 's name and knew about one of them being used fraudulently is absurd in my opinion and I have no intention to pay for charges I did not make over an extended period of time. The balance as of XXXX XXXX is {$22000.00} with a minimum payment of {$2500.00}. 

I would like Chase to write off these charges made by my sister during her lifetime. They must have records showing she made these purchases and personally made payments up to her death and that no payments or charges have been made since her death. She apparently paid them thousands of dollars in interest payments over the years and it appears she was struggling to be responsible as her account and others were current at the time of her death. I am a XXXX XXXX XXXX widow, ( XXXX next month ) going through serious XXXX treatment who has found this situation extremely troubling as I am shocked by my sister 's behavior and at the same time heartbroken by her death. 

Chase has also recently cancelled two of my personal cards in good standing with them and did not notify me until several days later because of my nonpayment of this debt. One closed account made my supplemental health insurance payment past due which could have been a disaster for me personally if my XXXX cancelled my policy while going through costly XXXX treatment. It is my opinion that Chase has been both incompetent and unreasonable in their dealings with me. I have called and tried to resolve this matter at 8 least times and generally spoke to people who were incompetent or in several instances could not even find my case. Recently I was told to start my case over again. That's when I decided to write you.

Company response to consumer: Closed with explanation