Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

XXXX  : We have hundreds and hundreds of transactions that are not ours. 

When we originally opened the complaint, explained everything, and had them validate with Amazon, Chase did a charge back against amazon for XXXX XXXXXXXX worth of charges. XXXX of those charges were actually legitimate and we resolved that quickly with Amazon and Chase. 

This proves all those amazon charges were fraud. 

However, weeks went by as Chase " reviewed '' the issue and they instead worked with Amazon and then refunded money to the fraudsters accounts and now have a positive balance on our account ( we owe them for the fraud ). Chase has turned this into a complete mess and refuses to help fix it. They've even accused us of committing fraud which is beyond belief. 

========================== Longer account We had XXXX primary credit card that we have always paid off monthly. We buy most of our household goods through Amazon and both my husband and I have separate amazon accounts but a joint household with my husband 's account as the primary. We never really checked amazon charges on our statements because we assumed anything we didn't recognize was bought by the other person. We got a new credit card this summer with a better offer and switched our Amazon accts to the new card ( new company ). When we went to pay off what we thought was the last few small recurring items we had been slow to switch on our old credit card ( XXXX pass etc ), we found over XXXX XXXXXXXX of fraudulent charges from Amazon. We had not used that credit card on Amazon for 2 months at this point. We called our credit card company ( Chase ) and Amazon. Amazon confirmed the charges were not on either of our accounts. We then looked further back and realized that there were fraudulent charges going back for 2 years that had all been small purchases ( {$10.00}, {$40.00}, etc. ) but it escalated considerably this summer. We hadn't noticed the small charges, although we did feel like money was tighter than it should have been. The credit card company initially reversed all the fraudulent charges, but then they came back and denied the fraud claim. We've been back and forth with both Amazon and Chase. Amazon informed us that there were a total of XXXX accts with that credit card - only XXXX of which were connected to me/my husband and the other XXXX were attached to different addresses/emails/phone numbers but used my husband 's name. Chase asked us to supply documentation of all valid charges which we did ( downloaded directly from amazon ) along with screenshots of Amazon confirming the charges didn't come from our accounts and the phone calls with Amazon confirming this. Chase is still denying our fraud claims and is expecting us to pay thousands that we didn't charge or receive any goods for. We are wondering what our options are. 


Uploaded Files : The " List of XXXX XXXX XXXX ( XXXX XXXX  ) '' file is the charges we could positively identify as fraudulent, its as good as we could get with the terrible data alignment we could get between the XXXX companies. Ideally we could see what Amazon account each Amazon Transaction ID is aligned with so we could more easily see which ones were on our XXXX accounts and which were not. To date, neither company is willing to help with that. Both can see that information they've said.