Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX and XX/XX/XXXX, someone had taken my card out of my wallet while I was in a hospital and ran up my card. This person, XXXX XXXX XXXX convinced me to give her my medical power of attorney only later to find out that it was in fact a durable power of attorney. She ra n up {$10000.00} dollars, which included some cash advances. As soon as I became aware of this, I contacted Chase bank. They initially credited everything back to me. I then filed a police report with the XXXX Arizona police department, case # XXXX. They proceeded to speak with Ms XXXX who fed them a series of lies. She then gave them copies of the power of attorneys. Then Chase came back and put all those charges back on my card and said because of the POA 's, I was responsible for the charges. At this time I contacted my attorney XXXX XXXX of XXXX XXXX XXXX. We submitted a petition to set aside Powers of Attorney due to Principal 's Lack of Capacity. On XX/XX/XXXX after over a year long battle, the judge issued an Order Setting Aside Powers of Attorney Because Principal Lacked Capacity. In paragraph D page 2 states that I XXXX XXXX did not authorize XXXX XXXX XXXX as an agent on my Chase bank account and the authorization is void. I then contacted Chase, mailed this court document and waited until I knew they had received it. When I called Chase the representative in the fraud department argued with me that the POA was valid therefore they could not accept it. I even explained that all my other banks and my home owners insurance accepted it. They refused. So we went back to the courts and on XX/XX/XXXX, paragraph D page 2 was amended to read " XXXX XXXX did not authorize XXXX XXXX XXXX as an agent on her Chase bank accounts and the authorization is invalid, and void at all times due to petitioners lack of capacity. I then sent this information to a XXXX XXXX XXXX at Chase whom advised me that he was the supervisor for the fraud department. I then waited a couple weeks to allow them time to do some research. I then called back and was told yet again that the powers of attorney were valid at the time they were signed so they would not refund me back what I have paid and that I am still responsible for the remaining balance. This past week, on the advise of legal counsel, I sent an email to the CEO of Chase bank. I am not asking for much, just to be refunded what is due to me. And for Chase employees to be trained that when there is a POA and it is ruled null and void because the person was found to be incapacitated, that means they were not in the right mind to be signing any legal documentation. I have been battling with this for right at 2 years now and I want this to be resolved the way it should be done. As previously stated, my other banks and my homeowners insurance honored the legal binding court documents without any question or hesitation. Chase is the only bank that is refusing over and over to do the right thing. Also last week it came to light that Ms XXXX had 20 felony counts brought against her in XXXX for fraud and scheming to get money from the state of Arizona and it is a bit odd to find out that a Chase employee at a local branch was scheduled to testify as a character witness for her. That appears to me that she has been working with someone at Chase for years and knew exactly what to do to take advantage of me during a very vulnerable time in my life.

Company response to consumer: Closed with monetary relief