Consumer complaint received 2023-05-31
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When traveling to XXXX, XXXX in XX/XX/2023, my Chase credit card was incorrectly charged by a scammer on the beach. The merchant incorrectly charged the Chase credit card ( likely adding an extra XXXX, and more ), making the charge XXXX XXXX PESOS ( inaccurately charging my card {$500.00} USD ). The service was for XXXX beach chair day rentals and XXXX margaritas, which was supposed to be charged at the XXXX dollar equivalent of {$28.00} USD. 

The same week, I immediately saw the incorrect charge and reported it to Chase. Chase provided an immediate credit to my account honoring the disputed charge difference I had reported without an issue. 

Months later in XX/XX/2023, I received a letter in the mail from Chase that the dispute had been reversed in favor of merchant, with my case closed, and full dispute amount credit charged back to me again. Chase did this action without providing me with sufficient documentation or evidence from the merchant, or even an attempt to request more information from me before closing my case. Again, this was done 4 months after originally honoring the disputed charge. 

I have called and spoken at least XXXX different times with the Chase dispute team, upon immediately receiving the letter, in a means to correct this before filing a complaint, and was told by Chase the case has been closed and provided no additional assistance in this matter. 

There was no thorough receipt audit or investigation conducted by Chase, as there was XXXX no signature collected at time of purchase and XXXX no items/services listed or itemized on receipt. 
This merchant did not provide us with a receipt. Again, I did not consent to this charge of over {$500.00} USD. 

I am submitting a formal complaint, as Chase offers fraudulent transaction protection as a cardholder, however has not honored this, as they went back and reversed the decision to protect me against this un-consented credit card overcharge, without evidence to do so. With Chase 's current handling of this issue, any merchant could add any number of 'zeros ' to a credit card charge, without a signature or receipt provided to customer, and consumers would not be protected. 
Any thorough investigation would reveal that $ XXXX USD is a clear mistake and scam charge for a beach merchant to charge in XXXX XXXX XXXX for this beach chair day rental service and XXXX XXXX. This can easily be compared to other customary charges done in that region for similar services/purchases [ and other charges on our card during this time ]. 

Additionally I have included screenshots of reviews at " XXXX XXXX  XXXX XXXX '' ( XXXX ) from the same time of another impacted customers written review unfortunately at the same location of my scammed/incorrect charge. As well as a review of what the cost should have been, which mirrors what we were originally quoted for, and aligns more with costs in the region of XXXX, XXXX for regular and customary charges- for example, XXXX XXXX pesos for a rental, not $ XXXX USD.

Company response to consumer: Closed with explanation