Consumer complaint received 2024-02-05
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. (MD)

Chase Fraud Department XX/XX/XXXX RE : credit card account number ending XXXX I have disputed a credit card charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. 
I contacted your fraud department on several occasions. On the initial conversation your personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue. That telephone number was to an individual who stated, this is my cell phone number in Maryland which someone has stolen and is using for fraud. The second time I spoke with your department they provided me with a different telephone number ( XXXX ), which I subsequently found out was on XXXX website. When I tried that number I received the voicemail message, which I transcribed, This is not XXXX XXXX I am in no shape form or fashion affiliated with XXXX 
I advise you to contact your financial institution to try to get your money back. I have reached out to the FBI and the XXXX XXXX XXXX to try to get my phone number removed from their website. 
I wish you the best of luck. 
In your Reason for determining the charge was valid, you stated Merchandise was billed to or shipped to your address. 
For the record, I have never heard of the company, nor have I ever purchased or received any product from them. 
As a consumer I hereby choose to exercise my rights under 15 USC Chapter 41, Subchapter I, Pard D : Credit Billing 1666 Correction of bill errors. 
the creditor shall, ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. 
Please provide me with the documentary evidence utilized by your company to justify your decision. 
Every avenue and direction your department has pointed me has resulted in some indication of fraud. Yet you have made a determination that I am liable for the charges. In fact, every charge on my statement contains some sort of reference/tracking number except for the charge in question. 

Based upon your online reviews of how your firm handles these transactions, I am surprised that a Class Action Suit has not been filed. When you attempt to upload a document to support any claim on Chases website it required you to input a Claim Number ID ( Which is supposed to be provided by Chase ) What's your claim ID? 
Your claim ID should start with a capital " C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. 
Check any letters we sent you for this ID. It will start with a capital " C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. If you don't know it, please call us at XXXX. 

Both letters that I have received by the Chase Fraud Department does not include any such Claim ID. 

I will await your response. I can be contacted by email at XXXX or XXXX. 

XXXX XXXX XXXX XXXX : // XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX CEO Credit Card Services XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX