Consumer complaint received 2020-06-09
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:
To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, Texas XXXX Email : XXXX Ph : XXXX Re : Chase Credit Card Fraudulent Charge Complaint Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX To Whom It May Concern : In preparing for my retirement I chose to pay off my Chase credit card. In XXXX, I found fraudulent charges and contacted Chase, of which Chase agreed that the charges were fraudulent and credited my account. Between the months of XXXX and XXXX, XXXX, I paid off the card ( s ) and closed my account. In XXXX, XXXX I received a balance due. 
Below is the sequence of events followed by documentation : Card Number : XXXX XXXX XXXX XXXX XX/XX/XXXX I found fraudulent charges on my statement. I phoned Chase and challenged the charges. Chase agreed that the charges were fraudulent and removed the charges. After this, I felt that the card ( XXXX XXXX XXXX XXXX ) was no longer secure and requested to close the account and be issued another card. Chase complied with my request, closed the account and issued me a new card of which the balance from the old card was transferred over to : New Card Number : XXXX XXXX XXXX XXXX At the end of XXXX, XXXX, I phoned the automated service with Chase for a total balance due in order to pay off the credit card and then mailed a check for {$8600.00} XXXX, XXXX - Statement showed a credit for my payment of {$8600.00} and a balance due of {$35.00}. I mailed a check for {$50.00} to be sure that the balance would be paid. 
XXXX, XXXX Statement showed my payment of {$50.00}, leaving me with a credit of {$14.00} for which Chase sent me a refund check dated XX/XX/XXXX. Since I accomplished my pay-off, I phoned Chase and closed this account - XXXX XXXX XXXX XXXX. 
XXXX, XXXX Statement showed a {$0.00} balance. 
XXXX, XXXX - Statement showed a balance of {$420.00}. I was shocked to receive a statement on an account that had been closed since XXXX, XXXX, and even more shocked to see a balance due. I shouldn't have charges on either credit card accounts since both had been closed. 
XX/XX/XXXX - I phoned Chase at XXXX XXXX  and was disconnected. I phoned again at XXXX XXXX  and spoke with a Chase representative to discuss the charges appearing on my account that had been closed. I told the representative that the amount on my statement was the same as the amount of the fraudulent charges. The representative said that they would check on this and call me back. 
XX/XX/XXXX - XXXX XXXX  A Chase representative phoned me to say they were checking on the account. 
XX/XX/XXXX XXXX XXXX  A Chase representative phoned me and stated that Chase had credited my account twice for the fraudulent charges and because of this, I owed them. I requested that they show me the statements where they credited my account twice for the fraudulent charges. 
They sent me a copy of the XXXX statement but no other statement showing that they had credited my account twice. 
XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX stating that they credited my account twice for the fraudulent charges and that I could Now see the changes on one of my next two billing statements. 
The letter states that these charges are shown on my first credit card number : Card Number : XXXX XXXX XXXX XXXX It seems very clear to me that after months of having paid off the card ( s ), receiving a refund check for over-payment, having a {$0.00} balance, and closing my account ( s ), Chase is trying to recoup monies for charges that they agreed were fraudulent. Instead of showing the statements showing they said they have of double-crediting my account for these charges, I got a letter saying they credited my account twice. 
I've attached all documents in hopes that you might be able to correct this injustice. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief