Consumer complaint received 2022-08-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/2022, I received an email about an employment opportunity. I'd been applying to several career opportunities online, namely within my city through their .gov portal. In order to be considered for eligibility, the site requires it's applicants to provide their driver 's license information in the application process. An acquaintance also shared a link for me to upload my resume for career opportunities, therefore I was anticipating a response from several avenues. Long story short, the contact turned out to be a fraudulent 3rd party posing as an an employer. The role, which I believed I was hired for was for, was a supply chain specialist ; and for the probationary period of the job, I would be required to purchase electronic goods and ship them out to their alleged clients. The third party, during one of our conversations, instructed me to utilize my bank credit card with the $ XXXX credit limit to make higher volume purchases. The card they directed me to use is a card which I am an authorized user, the primary account holder is my mom. On XX/XX/XXXX the credit provider cancelled/closed ALL of my mom 's credit card accounts for unusual high spending activity and returned payments. It dawned on me that I was used in an organized fraudulent scheme. I explained this to the credit card company on several occasions but the company insists I willing participated in the activities. Their basis is that if the card was in my possession they can not review the situation as fraud. Under 817.034 Florida Communications Fraud Act. Section 3 ( d ) Scheme to defraud means a systematic, ongoing course of conduct with intent to defraud one or more persons, or with intent to obtain property from one or more persons by false or fraudulent pretenses, representations, or promises or willful misrepresentations of a future act. 

A 3rd party guised themselves as an employer, manipulated me to purchase electronic goods under a false pretense of supply chain specialist and coherenced me to ship said goods internationally. I compiled every email, every shipping address, and every correspondence in which this assailant defrauded me into a 184 page PDF for submission review but the company refuses to supply me with an email address to submit the documents supporting my dispute claims. We have been in communication with the company since XX/XX/2022, and XX/XX/XXXX was the first time a mailing address was provided to share the documents. I immediately printed the documents and mailed, as directed to the address provided by their Rep to XXXX XXXX XXXX XXXX XXXX. XXXX, DE XXXX. ** via USPS Priority mail under tracking number XXXX XXXX XXXX XXXX XXXX XXXX, to the provided address but the have kept the disputed charges on the account, have added interest to the total amount and insist on basing our minimum payments to reflect the total amount which is astronomical. On XX/XX/XXXX, we went to the branch to speak with a representative and the branch put us in touch with the fraud claims department. The representative took our information, claimed they would review the disputed amount but not changes have been made on the account. On XX/XX/XXXX, my mom was forced to submit a minimum payment requirement of {$570.00} to prevent further defaulting on the account. The funds has put an immense amount of emotional distress and burden to our finances. Not to mention, prior to the incident, my mom was approved for a credit card and the company immediately closed it despite the card having never been affected by the fraud. Her other card was also closed, which was also, never affected by the incident. The credit card company 's practices are cruel, XXXX, and borderline extortive.

Company response to consumer: Closed with explanation