Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was victimized while traveling abroad in XXXX. I was in a moped accident and rolled several times, XXXX XXXX XXXX XXXX XXXX XXXX and giving me XXXX XXXX XXXX and XXXX XXXX that have lasted 5 months and counting in XXXX. A reckless driver ran over my moped and caused significant damage to it, nearly avoiding me. Immediately after, I was taken to the police station. I spoke to the head police chief and he spoke perfect English. He asked me if I admitted guilt, which I did not, and then when the "victim" who had almost XXXX XXXX  arrived, he suddenly spoke no English and implied in broken phrases that if I did not pay XXXX to her immediately, I would be going to jail, missing my flight, and trapped in XXXX jail for 30 days. All the while, my clothes were ripped, I was XXXX XXXX, and they would not provide a translator or phone call to the US embassy despite several requests. My friends finally helped me post the bail of XXXX and I returned to my hotel. The manager was not available, and the desk clerk said to get my passport back I would need to pay for the moped. I said no problem, and signed a letter stating that I would pay. They verbally told me it would only be a few hundred US. I had NEVER signed a contract, just handed over my passport, and was not informed until after the fact that there was no moped insurance. This was an old moped, and a classifieds ad search for XXXX mopeds with similar hours on them reveal an average cost of XXXX USD. They received my credit card information from XXXX when I booked the room a few months before the trip, which was only XXXX/night. My card was lost a few days prior to the accident at the XXXX airport. They decided to charge me XXXX US, and now are unresponsive and have not issued a refund. I explained this to chase, and they refunded me the money as I didn't give my card for this charge, I never signed a contract for the moped, and never signed a receipt for the charge which they processed without my card physically present. Chase then decided to reject my fraud claim and charged my account for the money back. When I called, I was on hold for 47 minutes, and finally talked to a fraud department supervisor, XXXX XXXX., who would not provide any more information about his identity whatsoever. My claim number with Chase is XXXX. XXXX mocked me and told me that I must be lying since I said my card was lost and they charged me. He also told me that the hotel provided a signed receipt for the XXXX, which is not possible as I never signed it, or a contract for the moped when I initially rented it. It also was provided without gas and I filled it up just prior to the accident. XXXX XXXX kept cutting me off and very clearly did not understand the story I told him as he kept circling back to the fact that my card must not have been missing since they charged me. They obtained my card number from XXXX and illegally charged me an amount more than 6x the value of the moped that was wrecked by another driver! I want Chase to take accountability and provide the service to me of fighting this charge as guaranteed by my ownership of a XXXX logo debit card as described on their and XXXX websites.

Company response to consumer: Closed with explanation