Consumer complaint received 2018-10-15
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. (FL)

This all happened between XX/XX/2018 and XX/XX/2018. 

I am writing to dispute the amount of {$12000.00} on account ending in XXXX. This letter will also clarify the verbal communication I had with Chase Credit Card Service and submit new finds regarding this matter. 


Please note new Information regarding my case : That in-addition there is new information that has come to light. The employee of XXXX XXXX XXXX had allegedly perpetrated this fraudulent transaction apparently to least 30 other victims, not including myself. According to XXXX XXXX president, this person may have stolen possibly as much as {$80000.00} since XXXX of last year. Below is the event leading up to this point. 


I am disputing this amount for the following reasons : I am a victim of a very creative credit card fraud, designed to appear as if the transaction was a legal sale using my credit card information and electronic signature on file. ( Bait and switch credit card processing ). 


I entered into a signed contract with XXXX XXXX XXXX to replace my roof for {$18000.00}. {$9000.00} down, the balance of {$9000.00} at the end of the job. ( A copy of the contract is attached ) I used my Chase Credit Card ending in XXXX as the source for a " One Time Payment '' for the down payment. Transaction process by XXXX XXXX, the employee of XXXX XXXX XXXX signee on contract attached. 

I gave my credit card information and signed a tablet with this employee from XXXX XXXX XXXX At my home. 


I visited XXXX XXXX  office, I met XXXX XXXX who represented himself as the President/Owner of XXXX XXXX. He called XXXX XXXX in the office to discuss the job and contract. After investigating XXXX informed me that XXXX XXXX processed my card but XXXX did not understand what happened to the money. 

XXXX XXXX charged my credit card and used my electronic signature on file ( intended for XXXX XXXX XXXX ) to commit credit card fraud for {$12000.00} from my credit card. 


I am not sure if XXXX XXXX XXXX is part of this fraud but they claim even though XXXX XXXX is an employee, they never received the funds in their account. 


At no time did I give my permission ( in writing or verbally ) or intended to have XXXX XXXX use my information and electronic signature for his personal use in any capacity. I was lead to believe by XXXX XXXX XXXX that my deposit would safely be processed via the tablet after I signed the contract. 


I do not know who this company is that have charged the {$12000.00}. XXXX have also stated they do not know whom this company is that withdrew these funds. I have no agreement or contract with the person ( s ) / company that have taken these funds with my stolen information. It is standard industry business practice that there should have been a contract or document of some sort detailing the work to be performed for this type and size of the transaction, however, no one knows whom these people are that charged my card. 


It is not reasonable to believe that I would have to know that an employee in XXXX XXXX office having access and or entrusted with customers credit card information would have used my information to withdraw these funds for his personal use or to sell my information to be used by someone not intended for. 


This transaction, without doubt, rises to the level of fraud by these individuals. Based on The Fair Credit Billing Act ( FCBA ) I am requesting that the amount is corrected to reflect this fraud and that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of the contract and supporting documents supporting my position. Please investigate this matter and correct the billing error as soon as possible.