Consumer complaint received 2017-06-17
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. (DC)

I will list everything in numerical order according to the dates : 1. XXXX XXXX, the merchant charged {$2100.00} on my Chase credit card on XX/XX/XXXX. The charges are unauthorized. <P/>2. I noticed the charges and quickly reported it to Chase as fraud the next day on XX/XX/XXXX. I got a new credit card number after that incident as a result. <P/>Background : I terminated my business relationship with the merchant in XXXX and authorized the last payment in XX/XX/XXXX. The merchant charged my card {$1500.00} in XX/XX/XXXX. I instructed the merchant in my email that it 's the final payment and that no additional charges are authorized. I terminated the contract based on my dissatisfaction with the installation of the marble countertop. They damaged it during installation. The merchant was not able to make it right because the countertop is marble. See attached letter for more information. No further communications occurred with the merchant since that e-mail I sent in XX/XX/XXXX. My relationship with the merchant was TERMINATED at that time! <P/>3. I received a letter from Chase on XX/XX/XXXX asking for documentation. I sent Chase the attached. Then, Chase said it was n't considered a fraud because I had a contract with the merchant, and that Chase would forward it to the Disputes department. I was forced to re-open the dispute under the Disputes department instead of Fraud. I did so quickly on XX/XX/XXXX. <P/>4. I contacted Chase by phone and through its Secure Message Center many times to follow up on my dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( phone and email ), XX/XX/XXXX ( phone ) with a specialist in the Executive Office in XXXX, Illinois, her extension is XXXX, and finally XX/XX/XXXX. I provided adequate supporting documentation and information regarding my dispute. <P/>5. I spoke with a specialist ext. XXXX in the Executive Office to follow up on XX/XX/XXXX. She said she has n't investigated my claim yet. I requested to receive copies of the merchant 's supporting documentation because the merchant and I never spoke for more than two years ( XXXX to present ), and the work ended in XXXX, more than three years ago! The merchant has many court cases in the State of Maryland, and her business has an F from the BBB. I still have n't seen the merchant 's documentation to prove that I still owe the company. I also explained to Chase that I never received any invoices or documentation from the merchant in the mail. The {$2100.00} charge is not what I owe her. I do NOT owe the merchant any money. <P/>6. If the merchant feels I owe the company money, then the merchant will need to take me to Small Claims court and have a judge decide on this matter. This is a civil matter. As this stands, it is THEFT! They waited two years to decide to try my card number to see if they could get more money. The charges are still UNAUTHORIZED! I am not responsible to pay the balance on my credit card. <P/>Chase is not protecting me as their customer. Chase should leave this to a court to decide on the matter, not act as the judge. If XXXX XXXX thinks this matter is not resolved, they can take us to court.