Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I received an email on XX/XX/XXXX from XXXX stating that I had made a reservation. I had not made a reservation. The reservation was to check in that day to a house in XXXX. Seven minutes later I received a 2nd email stating that the reservation had been canceled, but the {$740.00} was non-refundable. This was fraud. I did not make this reservation. I did not cancel this reservation. 

I have already disputed this charge twice with Chase. Yesterday they reapplied this {$740.00} fraudulent charge to my Visa for the THIRD time. 

I have the emails from XXXX. Chase has never asked for these emails. I just spent two hours on the phone trying to resolve this issue for a third time with Chase, only to be told after holding for two hours that I had reached the " wrong '' fraud department and I can only reach the correct people by email at XXXX. 

I don't know why Chase doesn't understand that this is a fraudulent charge through XXXX. I obviously, in no way, received any benefit from this transaction. Someone obviously received the {$740.00} but it wasn't me! 
Please help. 

I already tried resolving with XXXX  and XXXX and they both referred me to Chase. 



I am going to copy/paste the two emails below. Please note the dates and times the emails were sent. XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to XXXX  XXXX Reservation Canceled XXXX  individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX View original receipt Your reservation was not eligible for a refund. 

You didnt receive a refund because of your hosts cancellation policy. If you have an extenuating circumstance, you can use our Resolution center to ask for a larger refund. 

Go to Resolution Center FIRST EMAIL XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX  to XXXX  XXXX  Your reservation is confirmed Youre going to XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX coches Entire home/apt hosted by XXXX XXXX Monday, XX/XX/2020 Check-in is anytime after XXXX XXXX  Thursday, XX/XX/2020 Check out XXXX XXXX  View full itinerary Address XXXX XXXX, XXXX, XXXX XXXX, XXXX Get directions Guests 1 Invite Guests Payments Payment 1 of 1 {$740.00} XX/XX/2020 XXXX EST XXXX Amount paid ( USD ) {$740.00} Reservation code XXXX   Cancellation policy : Strict Cancel before XXXX XXXX  on XX/XX/XXXX and only get a refund of the cleaning fee. 

Cutoff times are based on the listings local time More details Change reservation XXXX XXXX is your host Contact XXXX XXXX to coordinate arrival time and key exchange. 

Message Host XXXX XXXX XXXX XXXX Know what to expect Make sure to review the house rules and amenities. 

View House Rules Keep in mind The host hasn't reported smoke or carbon monoxide detectors on the property. We suggest bringing a portable detector for your trip. 

Learn more Add taxpayer information The XXXX  government requires that we collect and share your name and ID number with the XXXX  Tax Authorities. Learn more Provide taxpayer info Customer support Contact our support team 24/7 from anywhere in the world. 

Visit Help Center Contact XXXX

Company response to consumer: Closed with explanation