Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
This is concerning an XXXX  Rewards Card by Chase. This past summer I either lost this card or had my pocket picked in XXXX, Ala and over the next month somebody used this card to charge almost {$2000.00} to this account. First of all Chase should have contacted me as this is so unlike my spending habit for the length that we have had this card and they continued to allow and accept charges after they exceeded my credit limit. The facts are detailed below : On XX/XX/XXXX we spent the night in XXXX, XXXX  and the next day on the XXXX we hit the road enroute to XXXX XXXX, XXXX, traveling down XXXX XXXX and we stopped for gas at a XXXX XXXX  gas/convenience store, filled up and hit the road. It was while here that my card went missing, although I was not aware of it until a couple of months later. We usually do not use this card a lot, and I had no plans to use it for anything else during our trip ( we typically use XXXX XXXX for most of our travel expenses ) so thus I did not miss the XXXX Rewards card. We continued on down to XXXX XXXX for a few days, then over to XXXX, XXXX , XXXX XXXX and then back home to XXXX, XXXX  where we arrived back home on XXXX XXXX. 

At this point I still did not notice my card missing as I had no reason to look for it. I do not receive a hard copy of my bill, just receiving an e-mail notification that my bill is ready to be paid which just shows minimum payment and balance owed and if those figures are close to what I expect I never open up my account to view the statement. So I got my statement ( believe that would have been XXXX ) closing date was XX/XX/XXXX and that statement had the first fraudulent charge of {$9.00} made at XXXX  XXXX   in XXXX, XXXX on XX/XX/XXXX. Because the amount was so low the balance owed was within the range that I figured it should have been so thus I never opened up the account to look at charges. But the next month was a different story, on my statement which closed XX/XX/XXXX there were charges totaling almost {$1700.00} and taking me {$160.00} over my credit limit. I was in shock and I panicked and called Chase right away to report this. In hindsight I should have waited a little bit to cool down and get myself under control but I knew we could not afford to take a hit like this. We are retired XXXX  XXXX and did not handle it well. When I originally called Chase I was convinced that we were victims of a thing I had seen on the news called skimmers that criminals put on gas pumps to steal your credit card information. I am almost XXXX years old and never had lost a credit card before and when they asked me if I still had my card I said yes I did, but I was wrong. I did see a card lying on my desk which I found out later was my wifes, mine has still never been seen since XX/XX/XXXX when I used it for gas in XXXX, XXXX At that time Chase removed these that I said were fraudulent charges from my account. However later when their investigation showed that the actual card was used to make these charges, these fraudulent charges were put back on my account and my fraud claim was denied. When I realized that my card had been used and realized it was missing I called the XXXX police department spoke to an Officer XXXX XXXX, XXXX on XXXX XXXX and filed a police report. Then on XX/XX/XXXX I received a call from Investigator XXXX with the XXXX police department and he asked me if I could fax him copies of the credit card statements which I did the next day on XXXX XXXX. All told it looks like between XX/XX/XXXX and XX/XX/XXXX there were 32 fraudulent charges in XXXX totaling {$1800.00}. This is so unlike my credit card usage ever, I doubt if I have ever had this many charges in a year on any credit card I own except XXXX XXXX and should have been picked up and at least questioned by Chase fraud department plus allowing charges to exceed my credit limit by like {$300.00}. 

Bottom line is penalizing us solely because I was wrong, I misspoke when asked if I still had the card but it my opinion that does not justify putting the hardship on us to pay for these fraudulent charges. My integrity is impecible. I retired after spending 38 yrs with the XXXX  XXXX  as a XXXX XXXX for the XXXX XXXX XXXX, an arm of the XXXX XXXX  and as such had signature authority to obligate funds on behalf of the XXXX. When I retired my boss gave a talk at my retirement luncheon in which she said that I had more integrity than any XXXX XXXX she has ever seen or worked with. I stand by that integrity. I am also a XXXX Veteran and served this nation with honor then I have Chase want to treat us like this. Chase likes to say that you are never responsible for fraud with Chase. This is fraud pure and simple, I did not authorize these charges, did not give permission to use our credit card. Uncalled for and I respectively ask that you intervene in this matter. The person we spoke to at Chase was XXXX, XXXX, extension XXXX. Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief