Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I find my self in XXXX XXXX I attend a business where at the end of the night I try to pay for the service with my debit card knowing that I have funds to pay for the service, I provide my card to the merchant they walk away and a few minutes later they approach me and tell me that my card was declined, I was surprised since I was aware of my finances so I ask to step out of the business to a closes ATM and withdrawal cash to pay the service well the ATM also said insufficient funds, I approach a friend and ask him for a loan so I can pay for the service while I figure what is going on with my card, we leave and I access my bank to find out the merchant had passed my card for an absurd amount pretty much leaving my account empty immediately call the bank and report the issue and report an unauthorized charge to my account Claim number XXXX they passed me to the fraud department where I explain what had happened to me, they immediately close my card and report the issue, not to find out later that because I had given the card previously to the transaction and my card had a chip I was authorizing the transanction charge on my acount posteriorly of been notify my card was declined and canceling the service with a cash payment to what the merchart provide a piece of paper with a writen amount on it as the only proof of my payment in cash to the merchant which as soon I could made available to my bank on XX/XX/XXXX as proof of my payment, no before been told by my bank that the document has no value and that the amount in the paper and the amount charge wore different, to what I respond if the amount that I had paid had been the same on my card I probably will not complain been a {$50.00} charge and not a charge of {$1400.00} to what I did not consent, authorize or aggreed, two weeks after the incident I had received a letter from my bank giving as a close issue since I had no proof of payment and I need it a note or document proving the charge was paid in cash. Then I provide the bank with such document given by the merchant and they do not accept the document. I have no means to return to the country of origin of this transaction to face the people that have run this fraud in my account, try to contact the merchant to my surprised fake number, no way to communicate with the merchant revise information of the merchant and surprised again this merchant is known to practice this type of business transactions, also using a different name as merchant and business what do I mean well business name XXXX Merchant name XXXX XXXX XXXX no working number and the bank is the only one that can initiate a claim with the merchant financial entity to process my claim, So I got in touch with VISA and file a claim XXXX this to initiate a more aggressive response to my bank to fight for my money and not be part of a fraudulent transaction that I in the compliance of the rules report immediately to avoid being part of it and as now a crude reality of how in defense I am.