Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

The merchant ( XXXX ) charged my card {$160.00} in XX/XX/XXXX ostensibly for a purchase of perfume. I formally disputed this charge with XXXX and with Chase Visa on the basis that I did not make such a purchase nor authorized anyone to make such a purchase. Chase Visa initially suspended the charge but shortly after put the charge back on my account without providing me with an explanation or even any notice. In other words Chase Visa did not provide me with documentation or written or verbal notice to support this charge and yet returned the charge to my card. I restated the dispute several times to Chase Visa in writing after this but Chase Visa did not remove the charge from my credit account with Visa. Months later, based on my repeated written notices to Chase Visa that I continued to dispute the charge and that Chase Visa had not complied with the law on credit cards, Chase Visa finally sent me copies of what they now state is the reason they reapplied the charge to my account with them. In my view this latest communication as bootstrapping at is best, since Chase Visa was now out of time to chargeback the charge to the merchant. Not surprisingly, none of the information Chase Visa provided me was legally or contractually sufficient to indicate that I purchased the subject item or otherwise authorized any such purchase. The information they provided was unauthenticated copies of non-relevant pieces of paper showing at most that my name was in XXXX 's system -- apparently for a contact I made with XXXX years ago -- difficult to know exactly what the genesis of this was. But none of it showed or supported any purchase order or purchase request I made in XXXX or XX/XX/XXXX from XXXX. Now why is this? This is because I did not make any purchases from XXXX -- full stop. Chase Visa has ignored my explanations and has no legal or contractual basis to maintain this charge on my Visa card with them. FYI -- on XX/XX/XXXX ( copy attached ) I provided Chase Visa a detailed explanation of the failure of Chase Visa 's position legally to keep the {$160.00} charge on my account. I reiterated my position by letter to Chase Visa which is dated XX/XX/XXXX. No credit has been issued to date. 

My request to CFPB is to assist me in protecting my credit reputation by convincing Chase Visa to credit the {$160.00} amount to my card on a permanent basis. I believe I am being coerced into paying this charge by Chase Visa because if I do not pay it Chase Visa will place a negative report against my credit report with the relevant reporting agencies and I may be forced to pay for something that I did not order, purchase or otherwise authorize in order to protect my credit. Your organization is supposed to come to the aid of consumers ; thus far this has not happened in this case. It is actually a rather simple case -- Chase Visa issues a credit of {$160.00} and the matter is instantly resolved. Basic principles of contract law and how consumers become contractually obligated have not been followed here by Chase Visa. CFPB needs to review my attached correspondence and manage this dispute with Chase Visa such that Chase Visa adheres to the principles of contract law, common sense and fair play.