Consumer complaint received 2018-01-22
Company: JPMORGAN CHASE & CO.
State: CO
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:
To whom it may concern : On XX/XX/XXXX i received a text message from my credit card company, Chase, indicating that there was a fraudulent charge for {$2100.00} at XXXX XXXX MST ( see attached photo ) at XXXX in XXXX, KS. I live in XXXX, CO and neither my authorized user or myself have been XXXX in the last 3 years. After I replied that I did not make that the purchase I was promptly called by a Chase representative. He confirmed with me that I did not make the purchase and neither did my authorized user ( wife ). He said it would be marked as fraudulent and that I would have new cards issued and the old cards would be deactivated. I thought everything was taken care of and no charges showed up on my statements. 

I received a call from Chase on XX/XX/XXXX concluding that the charge at XXXX in XXXX was not fraudulent and I would be liable to pay for them. It turns out, that there was an additional charge for {$2000.00} that was made ten minutes prior to the {$2100.00} charge that I rejected. This charge was never disclosed to me and never appeared on my statements. It would make sense that since I said the charge at XXXX XXXX MST was fraudulent, the one at XXXX XXXX MST at the same location would be fraudulent as well. 

I was told that since the card had chip that the card was impossible to counterfeit and that means my authorized user or I would have had to been there. I confirmed with Chase that the charge was made on my authorized users card. 

I reached out to the store and they were able to provide me with a receipt of the transaction along with the signature. I have also attached both my authorized user and my driver 's licenses with signatures so that you can verify that the signature you have on the receipt does not match. My wife was also 7 months pregnant at the time and unable to fly, which can be collaborated with any of the commercial airlines. XXXX, KS is over 500 miles from where we live and over a 8 hour drive. We have proof from her personal Chase credit card ( ending in XXXX ) that she made a purchase at XXXX XXXX XXXX in XXXX CO at the Colorado XXXX XXXX on the same day ( XX/XX/XXXX ) at XXXX XXXX MST. Please see the attached receipt for proof and feel free to follow up with the store. Since the chip cards are " impossible '' to counterfeit and since she still has the card ending in XXXX it is impossible that she was in two places at once, and she certainly did not travel 500+ miles in under 20 mins. 

I have filed a police report with XXXX Police Department. The case number is XXXX and if you wish to get in contact with them please call them at XXXX XXXX XXXX and ask for a financial crimes detective. 

I have provided clear and overwhelming proof that the charges were fraudulent but Chase is insistent on making me pay for the fraudulent charges. Chase has consistently failed to communicate with me during this investigation. To my knowledge, Chase has refused to reach out to the XXXX or the XXXX Police department to corroborate my case. Thank you for taking the time to read my statement and please feel free to reach out to me with any questions you may have. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief