Consumer complaint received 2015-12-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I requested my credit cards be closed months ago they were never closed after XXXX XXXX my cards were only used for online purchases for games on XXXX, I have an XXXX so I cant even make purchases on XXXX. So I started a dispute realized not only was it on my credit cards but my checking account as well so I started the dispute. I got my money back from the checking account they decided that was fraud ( also only had a couple transactions go threw my checking ). The credit cards they said was my fault due to the fact that my email that I had registered ( both credit cards had comepletly different e-mails ) I saw that I got credit for my refund for the charges and they were suppose to be sending me a check for the fraud claim ( since I paid most of it off before realizing it was fraud ) Instead of getting a check they cnaceled my claim and that 's when they told me because the e-mails at XXXX matched up with the e-mail under XXXX of my credit cards was the same it was my fault. Whoever made these charges got into my XXXX account which is how they got my cards. Which is why I requested my cards closed as soon as saw the fraud they closed XXXX of them and started the dispute, except they left my other credit card open again, and I continued to get charged on that card for another XXXX dollars. the grand total is a little over XXXX I was charged when both cards should of been closed a long time ago. I get that I made payments on fraud charges because I did n't watch closely to the charges going through my credit cards but i did report them when i saw them show up on my statements which was about a month delayed. So to recap i requested my first card closed in XXXX never got closed it was only used for these online games now my mom is a joint owner on my credit card and i had been helping her since i have some expendable income so i continued to pay the card not thinking it was anything bad and again not looking at the charges but when it started to add up i pulled up a statement and realized these are all online games being charged to my phone. not something my mom is purchasing i made sure she did n't purchase those ( she has a really old phone which cant even run games ) Chase not only did n't close my cards i had to call in probably XXXX times to close the cards and now they are denying my claim making me pay for charges i never authorized i was on the phone with them for over XXXX hours and witnessed XXXX supervisors argue that the other XXXX needed to help me only to be told sorry nothing we can do. Finally got ahold of the lady who handled the case and she said my e-mail address ( which i had n't used for probably a year ) was linked in XXXX and at chase ( it was n't the e-mail listed on my profile or my other credit card ) and i made multiple payments to this credit card which i did call me crazy for not going through all of my transactions every day i have a busy life. The lady told me it was n't chases fault and that i have to prove it was fraud, that they verified the charges were mine which was AFTER the date i told them to close all of my cards. I do n't have a total of XXXX to spend on charges that were n't mine especially around the holidays.

Company response to consumer: Closed with explanation