Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received an email containing a confirmation number of purchase for a company called " XXXX  XXXX XXXX XXXX ''. The original charge was for {$4.00} and I attempted to contact both the email and phone number attached at the bottom of the email. My email stated that the charges weren't warranted and I requested a cancellation. The email bounced back and the phone number was disconnected. I called my bank and disputed the charge. The charge was credited to my account and I was sent a new card due to it being a fraudulent purchase. Well at this point I assumed everything was fine considering I had disputed the charge and I had a new debit card. 

Around XX/XX/XXXX I received a charge on my account for {$89.00} and I again disputed this charge with my bank. They opened a case and everything was fine until two weeks later where the claim was reversed due to the company providing shipping information, my address, and my name. I never received any items and I thought this situation was already resolved so I reopened the claim again. Every two weeks since then I have been going back a forth until recently the claim can not be reopened. My bank basically told me that they only had one shot at filing for a charge-back with the information they had received from me. Well what is funny is that they noted that this is due to a recurring charge that I failed to cancel before the deadline as it was a " free trial ''. Even though I physically had no way of contacting this company as the phone number and email were fraudulent and fake, the bank told me that my original cancellation date was the XX/XX/XXXX, which was contrary to the information that I stated a plethora of times before this was reversed to my account. So at this point my bank told me I can not reopen this case and that I have to take it up with the merchant which they FINALLY provided me contact info for. 

I called the merchant and I was connected to a third-party phone company that handles calls for smaller businesses. They were able to provide me with a tracking number and a confirmation that my account was canceled as soon as the charge-back went through. There was no notation that the company attempted to dispute the charge-back, and the man on the phone was not able to provide me with contact info for the actual company. What can I do at this point? I understand that it is only ~ {$90.00}, but I am a XXXX XXXX and I really need that money for living expenses. The tracking number wasn't even shipped to the correct address so the product that I supposedly ordered was never delivered, and it was returned to sender even though the confirmation email I received contained my correct address and the bank verified my address as well. The bank told me to " figure it out with the merchant '' even though I literally can not speak to the merchant or receive any useful information from the third-party operator. And I'm out XXXX {$90.00} that I desperately need. They failed to note my info down correctly which has caused this to happen, and it caused them to have incorrect information on the supposed single chance they have. I have given my time and resources to prove that I did not make these charges, and I don't know what else I can do. Thank you for your help. 

The company that shows up on my debit card statements for this is " XXXX XXXX XXXX ''. After my research I have also found that the company " XXXX XXXX XXXX '' has been associated with several scams. Chase bank was contacted many times between XX/XX/XXXX and today.

Company response to consumer: Closed with monetary relief