Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
I started by contacting my credit card companies by the second day i realized that my credit cards were stolen and lots of charges were made in a couple of days. I reported the theft of the credit cards and all my credit cards were accredited except for Chase Bank Freedom Credit card and the Chase Amazon CC. XXXX XXXX XXXX XXXX XXXX ( XXXX  ), XXXX XXXX ( XXXX  ). etc gave me back my accreditations within days. XXXX denied originally to comply, but when i told them that i could send them a copy of the police report they reopened the case and eventually in a couple of weeks gave me the full accreditation. I sent Chase Bank the same 2 copies of the police report that covered that I was the victim and what items were stolen from me like a wedding ring, watch, XXXX XXXX and XXXX XXXX XXXX XXXX. This happened like on XX/XX/2021 while i was in XXXX XXXX, XXXX XXXX on business and vacation and I saw a nice park I parked and went to see it and i was assaulted by like 4 or 5 guys, needless to say that I didn't put up a fight, but i was blessed cause within a couple of minutes a couple of police officers were on the scene and the thieves took off running. I didn't notice at that time that my credit cards were missing cause it was kind of dusk and dark and i was a bit traumatized and cause the cops gave me back my wallet and my car keys and the first thing I looked for were my USA ID 's and XXXX XXXX ID 's which they didn't take. Now I know that i should of checked also for the XXXX 's. Anyhow I've contacted Chase bank at least 8-10 times and Amazon gave me an accreditation of close to {$1600.00} and still had some other small charges not accredited, but the Chase Freedom card refused to clearly tell me on why they were denying the approx. {$3200.00} charges against my stolen Freedom Chase CC? They originally had what sounded like call center persons with extremely heavy accents an it seemed that they were getting the information from a log in their computers concerning my case. When Amazon CC found out that Case Freedom Card had negated the accreditations towards my card finally again like 2 days ago? Then yesterday one of their " real '' Investigators called me and said that they were going to charge me back for the accreditation they had given me of apprx. {$1600.00} like 3-4 weeks ago. Which I saw today that instead of like {$1000.00}, they had gone back up to like {$2700.00}. Chase Bank, their call center and their investigators led me to believe that they felt I had made these charges and I said, why would I a XXXX year old man, with some money. semi-retired and with a credit score rating always between XXXX would want to haggle life? Bottom line they were practically accusing me that i had done it. I originally did not cover with the CC companies that I was assaulted cause it was kind of embarrassing and I didn't think it was necessary and I was a victim regardless, but all my other credit cards companies did not even ask for a police report and when i offered the 2 pages of what was taken from me and that it was from an investigation police department here in XXXX XXXX that I was the victim and what was taken from me. Further more originally not only did i sent Chase Bank the police report after they had closed the case and reopened it while i emailed them the police report, I also sent them a copy of the XXXX card showing them on how they had accredited me close to {$1500.00} and then yesterday when the investigator for Chase Bank want called me to et me know that after close to 2 months of investigations and knowing that Chase had already closed the case, he proceeded to tell me that after like a month after they had given me most of the accreditation of {$1600.00} they were adding it back in to my balance. Up to yesterday i showed like a $ XXXXbalance and today i checked and sure enough they had added the {$1600.00} or so bac in and now i have like a {$2700.00} balance. Furthermore on yesterdays conversation with the investigator, he told me that he had never received the 2nd page of the police report section that described the items that were stolen, so I asked him should i send it to him and I did along with XXXX XXXX and XXXX XXXX  accreditations, so he could see that the other cc banks trusted me. I feel no matter what i would have done? They would have denied me the accreditations. By the way they have accredited me the Chase debit card fraudulent charges of about {$540.00} on my stolen cards. I have pulled my money out and i show only {$16.00} balance in there. The investigator/s have never touched on the debit card accreditations matters and i never brought up at the end but somehow. I think i will. I never thought ti would ever go through headaches trying to get chase to accredit me for these fraudulent charges to no avail. During the investigation from Chase Bank i mentioned the Fair Credit Billing Act ( FCBA ),, which tends to protect me or anyone against fraud, credit card theft, hacking, etc. and Chase Bank didn't care and didn't even comment on it. During this mess i have misplaced half of my police report, but that is not a problem and can always go to XXXX XXXX XXXX XXXX with those investigators to give me another one. I thought with a simple 2 page police report exposing what was stolen and that I was the victim in this case that should have been enough as it was for the other CC companies. Please I believe the investigators name is XXXX XXXX ( at least that's where the email refers to ) and the investigation department 's number is ( Chase Recovery ) XXXX XXXX and their email direct is XXXX. I hope this may resolve the problem. See what you can do for me by contacting them. And then i i need to/ I'll get all the CC 's copies emailed to you that accredited my accts and also the 2 pages that proves that I was a victim in this fraudulent case. Keep this in mind, I've been doing this via email and or phone calls through the MagicJack system while I've been here in XXXX XXXX and still I'm. For more information call me direct to my US number XXXX XXXX. XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation