Consumer complaint received 2024-07-24
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. (TX)

I went to a a restaurant that I had a bad experience before but my coworkers wanted to go so I took our {$400.00} from XXXX as i placed a hard block so I thought as rep said tt was in place. My friend ran up the bill. And it end up {$900.00}. The waitress ran my credit card for {$650.00} auto declined, she tried {$500.00}, then {$300.00}. So she said the card was not working so I had to get cash. They would not allow me to go XXXX so I withdrew {$800.00} plus surcharge of {$80.00}. Then when I was her cash as it she said it was approximately {$850.00} so I gave XXXX including tip. I requested receipt as it was a business meeting and office 1 anniversary. We waited 40 minutes and asked multiple times. Finally could not find her but I had my credit card after she said it failed. She rang it up 5 times {$650.00}, {$650.00}, {$500.00}, {$500.00}, {$300.00}. I only got text alters where I said yes to pay off the extra but it auto declined. Then I find out she rang up another {$3300.00} which I never got a text or email about so they have no proof that I approved it. But ironic they cancelled my card for fraud and sending me a new one. How we they stated that I used the {$3300.00} because they messed up. I have proof of cash withdrawals. The amount was not even aware of the next day it was in pending and it went onto to my account yet all the other ones say pending. Why would they flag fraud cancel my cards but one I never got a text to email for auto approved when I requested a hard block. The fraud department they would reverse all transactions as the total would be close to {$6000.00} for a XXXX meal with colleagues. I had a bad experience which is why I took cash. I have proof by text that the transactions were being declined. They dont have any proof my text or email that they sent that i approved. Yet the same day few hours later they said that charges valid. The receipt I never said and it must match all my signatures as the waitress committed major fraud. Chaser does not want to investigate and blame me when in XX/XX/XXXX I request a hard at that restaurant as they tried scam my credit. The fraud attempted that hard block was never placed by accident yet where were all my transactions declined later. But I got noticed two pending charges dropped so its still pending {$620.00}, {$620.00}, {$500.00} plus {$3300.00} ( which went through any notifications or my permission as I have a limit set on card too for all transactions above {$300.00}. I refuse to pay any of charges as chase lied to me earlier. 

At XXXX today I spoke the fraud department. At XXXX as the dispute to file a dispute as I did not the receipt. After for the receipt should have final sale of {$1200.00} the exact cash I drew earlier and their atm. I have proof of the withdrawal date stamped before I got there and when I was there I used their atm. The dispute team said I could nothing but I spoke with XXXX XXXX who was not help and said she was on break which why we waited so long and left. I got my credit card as the transactions were me declined which I can send images off on my phone and when to my email after giving her the cash I declined the three transactions she had ran {$620.00} {$500.00} and {$300.00} yet she ran {$620.00} twice and {$500.00} which was never emailed. I have all the proof and can get testimony from my coworkers. 

With Chase : he stated that all the charges were fraud based on running the card close to 7 times. They automatically cancelled my card yet are forcing me to pay this whe hours before he said.

Spoke with XXXX XX/XX/XXXX regarding fraud at XXXX XXXX. Stated that all charges would drop off and there yet would investigate over the next few days and in one hour stating that I owe the {$33000.00} with no proof that spent any of that type of money because I told them to examine any receipt to see if the signature matches which he wont. You can compare to all my other signature as the waitress signed it from I speculate. Why was a transaction allowed to go through, why did I give here {$1200.00} cash and she would produce the receipts becasise I would have talked to manager and had to fired business cant refused to give receipts by law as I need it for business expenses as irs requires it. I am not sure how to fight chase complete negligence and this is not the first chase has behaved this way over frauds. I spend close to {$7000.00} for my private practice and they dont care and dont address fraud. 


As you will see I only got three failed as I only got three failed texts but the fraud said she ran it 7 time. I am missing two {$620.00} transactions, {$500.00} and final one I didnt get alert for get a text as all my transactions are Texas if I got a text or email I would turned car around. They keep came blaming technology which negligence and fraud parts where is their accountability? Im not paying anymore for Chase mistakes especially after their lied that all charges are dropped