Consumer complaint received 2019-11-04
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. (NC)

XX/XX/2019 REF : COMPLAINT ON AMAZON CHASE AND XXXX CHASE VISA CARDS The incident was initiated in XX/XX/2019 when my brother has the home foreclosure and the family was seeking out the loan to help him. They came to the loan company : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Alaska XXXX XXXX https : XXXX KEY RING : XXXX XXXX, Director ( XXXX ) Direct line XXXX XXXX, CFO ( XXXX ) XXXX XXXX, Senior Account Manager ( XXXX ) This loan company ( XXXX ) got hold of my cards in XX/XX/2019 and claimed that they needed the physical cards to process the loan to the card and transferred to my brothers bank for loan . The credit card on file and the physical cards are the loan requirement. I had never done any business with XXXX/loan company before. The loan amount was {$60000.00}. My brother did not receive any loan as promised. 

There was XXXX balance for my XXXX Visa card and {$440.00} for the Amazon Visa before the XXXX XXXX was using my credit card and made charges. They claimed to load the loan amount to the credit card by using the card and transferred to the XXXX bank for my brother. 

In XXXX, I filed the Fraud claim against XXXX XXXX and they called me back and said that they would not pay for all the credit adjustment if there was a Fraud claim against them. They asked me to close the case and they would not pay. In good faith, I was trying to work with XXXX  directly myself. I closed the Fraud claims with 9 credit card banks, including the Chase. I was told that the XXXX would pay for all credit adjustment in XX/XX/2019. It was dishonored. 

I was trying to reopen the Fraud claims against the XXXX in XX/XX/2019. Chase however refused outright the SECOND CHANCE on FRAUD dispute and declined to reopen the claim on my behalf. 

I was bounced between the Fraud and Billing dispute departments. The Fraud declined to take my case as the loan company was given the card info and had the cards. Chase said that it was not FRAUD BY THEIR DEFINITION. I explained to the Fraud team that the card was provided for loading the loan to the card purpose ONLY, FOR LOAN PROCESSING. Any reason deviated from the loading card with the loan was FRAUD. The Chase Fraud Department simply turned the deaf ears to me and flat out rejected any Fraud claims. Instead, I was told to submit all the documents to Billing dispute because the FRAUD TEAM will not handle my AMAZON and XXXX Chases Fraud. Chase proclaimed that I accepted all the transactions as valid in XX/XX/2019 and the Chase refused to reopen the Fraud case even though those are the Fraud charges. 

Accordingly, the Billing dispute CLOSED MY DISPUTE claim on XX/XX/2019, saying that it should be handled by Fraud team due to the unauthorized charges that I have no knowledge about each individual merchant and the charges for in the entire bills. 

The Fraud and Billing departments BOTH DECLINED any responsibilities to handle this Fraud and unauthorized billing claims for AMAZON and XXXX Chase cards. They kept bouncing me back and forth for the month of XXXX and XX/XX/2019 despite of numerous faxes and evidence for supporting documents sent to Chase. Finally, Fraud department declined my case, and the Billing dispute closed my case and both statement balances are sent to the Collections. 

The reason I closed the Fraud claim in XX/XX/2019 as I was trying to work with the loan company in good faith, but the Fraud claim ITSELF WAS VALID. The Chase Fraud simply did NOT WANT TO LISTEN any explanation. 

It is the FRAUD that the loan company did not honor what they promised and fraudulently charged the {$18000.00} ( minus {$440.00} my own expenses before Fraud ) on the Amazon credit card, and {$3700.00} on the XXXX Chase credit card fraudulently claiming that it was for the loan processing to load the fund for my brothers loan. 
I am seeking that Chase to reverse the charges that was fraudulently charged to my both Chase XXXX and Amazon credit cards and DO THE RIGHT THINGS FOR THE GENERAL PUBLIC IN THE EVENT OF FRAUD. This claim is Fraud and it is the NON TRADITIONAL FRAUD. IT IS FRAUD. ( XXXX has credited the entire balance of {$24000.00} due to Credit Card Fraud in XX/XX/2019 ) I have filed the Criminal report at the State of Alaska against the XXXX XXXX, police report in XXXX, FBI online, XXXX, Attorney General complaint, NC and Federal Trade Commission, NC. 

Thank you for your meditation in this process and I look forward to hearing from you regarding the positive resolution from AMAZON and XXXX CHASE. 

Best, XXXX XXXX XXXX ( XXXX ) 9 Credit card Account Holder XXXX XXXX This Financial Crime involves the total balances of approx.. {$120000.00} for 9 credit cards XXXX {$5600.00} XXXX {$24000.00} XXXX XXXX {$39000.00} XXXX XXXX ( {$3400.00} my own expenses ) XXXX XXXX {$3200.00} XXXX XXXX ) {$1100.00} AMAZON Chase {$18000.00} ( My own expense is {$440.00} ) XXXX Chase {$3700.00} XXXX {$3300.00} Thank you for your review and all my credit cards were closed by the banks in XX/XX/2019.