Consumer complaint received 2023-06-10
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)

On or about XX/XX/2023 I logged into my Chase credit card account and noticed two expensive charges for airline tickets on XXXX XXXX that I did not make : XX/XX/XXXX {$3800.00} flight from XXXX to XXXX via XXXX XX/XX/XXXX {$1700.00} flight between airports unknown This is identity theft. I did not make these charges, nor did I authorize them. 

I immediately called the number on the back of my XXXX XXXX credit card ( XXXX ) and reported the fraud. The gentleman with whom I spoke also noticed there a third unauthorized charge of {$16.00} to XXXX XXXX. All three charges were removed from my card, my card ending in XXXX was cancelled, and Chase issued me a new card that I received and began using on XX/XX/XXXX. I thought this was the end of the matter and there was no reason to put anything in writing. This is not the first time one of my or my wifes credit cards has been misused, and we have never had to write any letters to Chase or any other credit card company to resolve the issue. 

About a week ago I received two telephone messages from someone with a heavy XXXX accent saying she wanted to discuss charges to my credit card ending in XXXX. The person did not leave her name or any phone number so I could return the call. Because this was the card recently cancelled and I have had many scam phone calls from XXXX, I was suspicious. I called again the number on the back of my XXXX XXXX credit card ( XXXX ) and asked if these phone messages were legitimate calls. The person who responded told me that anything concerning credit card fraud would be handled by letter, not a phone call, and that it was probably a scam. 

A few days ago, I picked up a call and it was a woman with a heavy XXXX accent saying she worked for Chase credit card company. She did not provide me with her name or any other identification information. She asked me why two months before I had approved a charge on XXXX XXXX that I was disputing. I responded that I sometimes get messages about possible fraud from one of my credit card companies, and I did not get any message recently concerning any flights costing thousands of dollars on XXXX XXXX. I would surely have remembered that. If I did get such a message, I likely would have thought it concerned a restaurant or XXXX charge that I recently had made. She said because I had approved the charge, I had to pay for the airline ticket of the person who had committed fraud. If my approving one of these airline charges was an issue, I do not understand why it was not raised when I first reported these charges on XX/XX/XXXX when my memory of any communications would have been fresh. 

I asked her to send me the message that Chase had sent me asking me to approve these charges, if there was one, as well as my response so I could understand how there could have been a misunderstanding. She refused to provide that information. I also requested the name and other information for the passengers ( s ) on the flights that were fraudulently charged to my credit card. She also refused that information. 

When I got off the phone, I suspected this was part of an elaborate scam. Then today I found that Chase had posted back to my credit card the fraudulent charge of {$1700.00} flight between airports unknown on XX/XX/XXXX. The others may reappear as well. 

I still have never received a single written communication from Chase on this matter and do not have a case number or anything similar. 

I strenuously object to paying for any of these fraudulent transactions. I asked Chase to put all future communications to be in writing. I also requested that Chase remove all of these charges appear on my credit card account pending resolution so that Chase does not charge me interest. 

I asked Chase to provide information on its data breaches during the past five years, which may explain how these fraudulent charges appeared on my credit card statement. 

I also asked Chase to provide me information on whether I must submit this matter to arbitration before filing a law suit. 

I believe Chase is violating the Fair Credit Billing Act. 

I am XXXX XXXX XXXX and having to fight these charges is especially burdensome at my age.