Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am filing this complaint against JP Morgan Chase Bank that has ignored my request for chargebacks of fraudulent, unauthorized transactions made via XXXX and XXXX XXXX on my Chase Bank Slate Visa Credit Card and has also refused to thorough investigate said fraudulent transactions. 
At end of XX/XX/2016, I discovered unauthorized, fraudulent transactions made via XXXX and XXXX XXXX in my Chase Slate Visa Credit Card statements. 
I contacted XXXX and XXXX XXXX and requested information about the vendors. While XXXX XXXX has provided me with the invoices pertaining to said transactions, XXXX refused to provide any information about the vendors, informed me that all of the transactions were made online and a lot of transactions were made via XXXX account on my name and my social security number. When I requested to provide me with information about the XXXX account allegedly open in my name through which my credit card was charged, XXXX refused to provide any information about that XXXX account, claiming that the XXXX account on my name was already closed. At the same time, XXXX recommended that I contact my credit card company for chargebacks of all these fraudulent transactions. I thereafter reported all fraudulent transactions to Chase and disputed all fraudulent charges. I also filed a police report about Identity Fraud and these fraudulent XXXX and XXXX Credit Card transactions. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just sent me a letter alleging that I notified Chase that some of the transactions were valid or that I had already confirmed through the Chase investigation that some of transactions were valid. Chase also alleged that I have accepted responsibility for other fraudulent transactions on the account. Importantly, I have never notified Chase about the validity of any of these transactions and, in fact, requested a thorough investigation of all fraudulent transactions, stating that all said transactions were unauthorized, were fraudulent and were without my knowledge. I also request that Chase provide me with all information pertaining to said transactions - who are the vendors, their contacts, invoices pertaining to said transactions and proof of delivery. 
I do not understand how the transactions can become valid if they were made via fraudulent XXXX account that was opened by Identity Fraud. Nor do I understand how transactions made via XXXX XXXX can become valid if XXXX invoices show not my name on them, not my billing and shipping address. Moreover, while these fraudulent charges were being made on my account, Chase failed to notify me of any suspicious or fraudulent activity even though the name, the billing address and the shipping address for goods purchased in fraudulent activity were different than myname, billing address and shipping address on record with Chase, as Chase 's long-time private customer. 
The fact that Chase is now : refusing to investigate and demand chargebacks on my behalf, will not provide me with any information pertaining to these XXXX fraudulent transactions and will not tell me if XXXX or XXXX XXXX opposes any chargebacks, clearly violate my rights as a customer of Chase and my contractual agreement with Chase as its private client. I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account.

Company response to consumer: Closed with explanation