Consumer complaint received 2015-10-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been fighting a fraudulent charge with chase since XX/XX/XXXX and finally after a year of getting the run around and documenting every phone call and transfer to different departments I sent the below letter with still no resolution. 
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXChase Bank Fraud DepartmentXXXX.XXXX XXXX, XXXX XXXXChase Card # closed card XXXX XXXX XXXX XXXX member since XX/XX/XXXXDear Sir or Madam : I am writing to dispute a fraudulent charge of {$5700.00} on my account, and posted on between XX/XX/XXXX-XX/XX/XXXX. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 
I have provoded most of the communications with your bank and some other details. Most importantly is the copy of the forged check with my credit card signature next to it, showing a CLEAR FORGERY! 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX bank states as their defense these following sentences .... 
You confirmed your husband, XXXX XXXX, wrote the check. 
You added XXXX XXXX as an authorized user on the account on XX/XX/XXXX. 
The access check was written on XX/XX/XXXX. 
XXXX XXXX was authorized to write the check. 
Their assessment that he was authorized is completely false! He was NOT authorized to write the check and he WAS NOT AN AUTHORIZED USER UNTIL AFTER IT WAS CASHED! I am a victim of financial abuse and was advised by my divorce attorney to NOT seek action UNTIL the divorce was final and I was away from him. I kept copies of everything while i was in hiding and used a po pox from then on to protect myself from him. This is NOT the only card of mine he forged, there are many and my attorney through the abuse organization I am seeking help with advised me to go this route before utilizing a professional. I repeat Chase bank states XXXX XXXX WAS " AUTHORIZED '' TO USE THIS CHECK. Who gave him authorization? He new my mothers maiden name, the strret I grew up on, my social security number, my first pet and everything he needed to have someone act as me on his behalf AFTER HE FORGED MY NAME. Forgery is a crime punishable by law! Chase bank should be an accompliss to this forgery. If he WAS AUTHORIZED USE WHY DID N'T HE SIGN HIS NAME? 
I was advised by my divorce attorney to keep making payments so that it would not affect my credit. The burden became too much since he was not paying child support I had to eventually stop paying it and worry about my credit after all of this was over. Now my part time job is repairing my credit completely ruined by this man. My credit was excellent until a few years into the marriage he starting stealing from my credit cards and my business checking account. It is your duty to protect me. I need your help!

Company response to consumer: Closed with explanation