Consumer complaint received 2021-07-21
Company: JPMORGAN CHASE & CO.
State: TX
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:
Long Time Customer of Chase almost 30yrs but in XX/XX/XXXX I had to open a new checking account and take my name off my old account of almost 25 yrs leaving it to My soon to be X-Wife at Chase Bank. This was due to my soon to be X-Wife having a significant other and threating to gut the checking account. 
I went in person to the branch Location at XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX XXXX XXXX XXXX XXXX. 
A young man I believe his name was XXXX helped me with the process. I told him what I needed to do and said, No Problem He turned the screen around and walked me through it showing me the process. My name was taken off the account that I shared with my soon to be X-Wife and the new account was open only in my name. I asked him about my equity loan, Chase Freedom Card which had never been used by me or anyone to my knowledge to this point. My XXXX XXXX Card was only used on XXXX. He said, not to worry they transfer into the new account Yes the credit card account numbers did transfer to my new account but the credit card account numbers also stayed on my old account as well. This is Chases Fault my credit cards on my old account that I just took my name off of shouldve been deleted. And only be on my new account. 

This is where it get ridiculous in a bad way for me. The Chase Freedom Card from my old account ending in XXXX was Only in My Name Only, as well as the XXXX XXXX Card. 

I left my house in middle of XX/XX/XXXX for about 4 months. The divorce was filed in XX/XX/XXXX. Legally separated. I found out from Chase Fraud who contacted me in XX/XX/XXXX that someone was adding their name to my cards then charging to them then going back and removing their name from my old account .This was done enough that it raised a red flag for them to call me. They asked me did I want to proceed with a fraud case and I said, yes. They canceled the cards issusing me a new XXXX XXXX Card that I did want and I did activate it but the New Chase Freedom Card I Never Activated. I found out in XXXX that my soon to be X-Wife was the culprit she added her name online and then let her attorney charge to the Chase Freedom Card she then took her name back off. She made a payment from my old account Chase Freedom Card ending in XXXX in XXXX showing that she knew what she was doing and owning up to it. The way I found out she made this payment was from th e Chase Freedom Card overlapping into my New Account. Since she had full access to my cards that were suppose to be taken off from my old account that no longer had my name on on this account Chase left me wide open and Unprotected from her doing this. She would act like she was me in my old Online Account that she had control of. She would go to each card under Account Services that would bring up options for each card. Well low and behold one of the options was Add Authorize User! This is how she got away with it. Identifty theft or fraud its both if you ask me, But Chase Left me wide Open for her to do this. They did not protect a long time customer from a devious conniving person. 

Now it is the end of XXXX and Chase has turned their back on me trying to take the easy way out and not seek the real culprit of all of this which XXXX XXXX XXXX or XXXX XXXX XXXX she uses alias I found out from a background check. Chase should hold her responsible for her actions and I would be more than Happy to file charges on her. I found out she has had history of this even before me even arrested twice, but at that time I guess love is XXXX as they say. 

My New Chase Freedom Card ending in XXXX That I Never Activated on my new account that I had cut up Was activated by someone in Chase and my Soon to be X-Wife attorney fees were put on this card from the old card ending in XXXX. 

I talked to several people at Chase but the main ones that stood out were XXXX ( supervisor ) XXXX in recovery several times. She did not care all she told me was that I would have to pay the amount. I was as nice as possible to her and explained the situation, but she still didnt care. I was getting frustrated. She even admitted that XXXX did put her name on the card and then took her name off after the charges were put on but still told me to pay the charges. I told her Im not going to pay for a charge that was illegally unauthorized by me. I have no problem if I had made the charge I would pay, but not for her attorney fees use a little sense here. I know all of this is on recordings for my account and I would like for them to be reviewed. 

The other uncaring person I talked to was in Branch Escalations her name was : XXXX, XXXX, M My case number # XXXX she was like XXXX telling me I wouldve to pay and there was no way out. I told her I wasnt going to pay for my soon to be X-wifes unauthorize attorney fees. 

I feel like Chase really needs to retrain some of their people to really understand their duties to the fullest not just going through the motions of their titles. To really seek the truth because its all right in Chases System under each account its right before their finger tips. To also be more understanding to their long time customers. 

The one Bright Spot in All of this is my Branch Manager in XXXX, Tx his name is XXXX XXXX ph : XXXX. I visited him at the branch and talked with in person for almost a hour. He understood completely he looked it up and understood what had happen and agree with me I shouldnt have to pay for something I didnt authorize off a old account that my name wasnt on and the cards were not removed. Hes called me serveral times and weve have talked. He told me not to worry he has my back. I told him thank you he was the only bright candle in the widow for me in a stormy night. 

I will not pay these unauthorize charges they were not by me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation