Consumer complaint received 2020-03-02
Product: Credit card or prepaid 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. (CA)

My problem is with Chase. I had their credit card for several years, and I always ( or almost always ) paid it in fulI, as I do with all my credit cards. In fall XXXX, there were a bunch of fraudulent charges in a two-week period. I told Chase from the beginning that all the charges were fraudulent, and yet they simply said that because the chip was present for 87 of the  charges, then those charges adding up to {$2100.00} were not fraudulent. 
I explained to the investigator, I explained to the supervisor, I explained two or three more times in phone calls to the fraud department and the corporate office that the chip was not present or if it was, the criminals are more clever than Chase and they cloned the card. Or the shopkeepers ( in the XXXX XXXX district of XXXX XXXX, where the first fraudulent charges began ) are in on the scheme - maybe they quickly copied the card and gave me back one that did not have a chip, which I didn't notice ( and then chopped up when the fraudulent charges were flagged )? 
I explained to Chase several times that in all my years of being a credit card user I have never used it like a debit card for little piddly charges : I use it for large charges only. Not to mention that I work during the day, Im not out gallivanting around XXXX XXXX going to restaurants and taking taxis and making {$10.00} and {$5.00} and {$20.00} charges. And yet the investigators simply said the case was closed : they seem to think that just so I could cheat Chase out of {$2100.00} I abandoned my job for two weeks and zoomed around XXXX XXXX ( neighborhoods of XXXX XXXX I never go to, mind you ) spending {$5.00} at a liquor store, {$3.00} at XXXX, {$20.00} at a restaurant for lunch, and {$25.00} at dinner a couple dozen times. 
I gave Chase many suggestions of how they could investigate the charges if they didnt believe me : there were a couple of large charges, like to XXXX XXXX  : they could have asked for the video in the store and see who was using the card ; they could get videos from the taxis. They could have checked with my work colleagues to confirm I was at work ( XXXX  in a XXXX XXXX  ) when the charges were made. Nope, all I was told was case closed. 
So all of that was bad enough, but what's worse is that they then reported me to the credit bureau, and so XXXX XXXX XXXX   ( where I'd had a card for decades ), abruptly reduced my credit limit from $ XXXX to {$3000.00}. And when I told XXXX  XXXX XXXX what they could do with their card given how they treated me, and I then applied to XXXX XXXX for a new card, they, too, gave me a card with only a {$3000.00} limit. 
So the basic problem is that I was maltreated by Chase which just kept saying the chip was present ( and therefore some subset ( {$2100.00} worth ) of the fraudulent charges weren't fraudulent ), and then this was compounded by Chase reporting me to the credit bureau so that now I have a XXXX credit score which is affecting my other financial dealings. 
Thank you in advance for your help. And please say hi to XXXX XXXX, who works at the CFPB - we've been friends since XXXX! ( We went to law school together. ) XXXX XXXX