Consumer complaint received 2020-12-27
Company: JPMORGAN CHASE & CO.
State: GA
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:
Letter sent to Case detailing problem on BA Visa card ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account Inquiry ATTACHMENTSIZE:0 In a letter from from Chase 's XXXX department dated XXXX XXXX 2020, I was informed that the following unauthorized charges ( along with others ) were being add to my account : XX/XX/2020 XXXX XXXX  XXXX XXXX You received benefit from this transaction. 
XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX You received benefit from this transaction. 

This document was insulting to say the least. How does some receive benefit from charges he did not made and at locations he has never visited? PLEASE EXPLAIN. By no stretch of ingenuity, can such an explanation be given. The assertion is not only insulting, it is lunacy. 

Also, I am requesting copies of receipts / bill of sales / registration documents from establishment where bogus charges were made. In the case of XXXX XXXX and XXXX XXXXXXXX XXXX, these establishments must have such records on file, indeed the XXXX of the former -- XXXX XXXX, XXXX -- told me in a telephone conversation this past Tuesday or Wednesday that all relative documentation had been seen to Chase 's XXXX department. She further said that the person making the charges used a card with his name on it but apparently with my account information embedded. She called it a 'cloned ' card. 
The other hotel must have similar records. When I called the XXXX to inquire, he said did not have time to look up the records and never called me back. 

Over the years I have stayed at a number of hotels -- as I am sure you have. When a guest registers, he is asked to fill out a card with his name, address and telephone number. Often the desk clerk wants an automobile 's licence plate, along with a credit card. 

So, there is no reason why this information is not available. 

As far as the bogus charge at the tire company, the one at the counter puts the buyer 's name, address, and other information on the bill of sale. I would like have a copy of that documents. 

The same is true with rental / storage units. I have never rented one, but I suppose the owner or XXXX gets some information on the person renting the unit. I should like a copy of that document as well. 

The bottom line is that none of those charges ( along with a host small transactions at fast food joints, XXXX, a dry cleaners ' ) could possibly have benefited. me, as alleged in the XXXX XXXX letter. If so, I want an explanation in writing. If not, which of course is the case, I want a written apology as well as those charges being removed from my account, and I should like it done within three business day. 

As I have stated in previous letter, I have been told a multitude of things -- often conflicting -- by your agents over the telephone. Two said the charges I have just referenced were still marked as 'fraud ' and would not be added to my account ( this was after the XXXX XXXX communique was received ), one went so far as to apologize for the assertion 'you have received benefit '. Another, told me to subtract unauthorized charges and pay what I actually owed ( which I did ). The last person with whom I spoke said the previous person gave me bad information. I needed to pay for fraudulent charges as well. She also advised me to contact XXXX XXXX and request registration documents and to sent them to Chase 's fraud department. When I contacted the XXXX, she said those documents had already been sent to Chase 's fraud department. She further directed me send documentations showing where I were when fraudulent charges were made, which I done over a month earlier, and gave me an email address. Documentation has been sent but not acknowledged. 
WHAT I AM SEEKING : ( 1 ) All unauthorized charges be removed from my account, and written conformation that these bogus charge will not be added back to my account.

Company response to consumer: Closed with explanation