Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: MD
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:
I had a problem about 3 months ago with Chase Sapphire. I had given my adult daughter a card authorized in her name for food and necessities. She suffers from XXXX XXXX and had never gone on a spree in any way like this but it resulted in a few days of over {$12000.00} of charges, the day she was hospitalized she bought {$5000.00} of gift cards at a XXXX XXXX XXXX, as well as two other charges, one for over {$1300.00} and the other for {$160.00} in a period of 15 minutes. Chase NEVER did a fraud alert and because she was authorized forced me to cover all the charges. When I finally reluctantly agreed, the person I spoke to told me the best thing was of course to cancel the card altogether and make sure the new card was ONLY, in mine name., This was on or about XX/XX/XXXX or so, In looking at my bills I see there was one charge in XXXX, but over a {$1000.00} in a three day period in XXXX from XXXX still being billed to my card!!!!! I immediately called extremely upset because how could they blame XXXX when they authorized a card that was completely cancelled including the ability for the user to use it. I asked the person that this was outrageous, and after 5 calls to their dispute center, even their investor relations, they told me it was basically not their problem and i was stunned. Especially knowing the history of what i already suffered having to cover these charges, from my very sadly sick daughter, one could only assume that closing the account and reopening a new one where i was the only card holder would be the best way to avoid this in the future. CHASE IS WHO SAID THIS TO ME!!! So here we are, I have taken all the steps that CHASE advised me to do, to make sure that my daughter has NO access to the card. Except she found in early XXXX, after one stay in the hospital, that the card still worked and shes been able to charge over $ 1000s on it even after I brought this outrage to their attention. They told me I am responsible and I said that what they authorized is ILLEGAL, it was Chases responsibility to decline the card since It was a CLOSED account in her name and she was NOT replaced as an authorized user. They have been rude, and life is difficult enough having an adult child with this illness, but Chases behavior has been outrageous and they are arrogant bullies who abuse the trust their customers place in them. For example, had this been XXXX XXXX, they would cancel the charges, absorb them and alert me if they happened. With Chase not only did i have NO protection, but they violated the law. Thank you and yes please publicize this because their website has all this garbage of corporate consciousness. Why dont they start with treating their customers with respect and truly protect them. I feel they truly violated me and the trust I gave them all these years. If you can let me know if there is a way I can close all my Chase accounts without hurting my excellent credit rating I would appreciate it. Thank you so much, XXXX

Company response to consumer: Closed with explanation