Consumer complaint received 2022-12-08
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. (DE)

On XX/XX/XXXX, my family and I were at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MD. We stopped there to buy lunch. My brother-in-law and step daughter ordered their food. My brother-in-law paid for his and my step daughter 's food with cash. When my partner and I ordered at the window, we started to order a dozen steamed crabs and another meal, but when I said, " how much are the crabs, '' the girl at the window ( a XXXX  girl that had just started that day ) said the price. I turned to my partner and said, I don't think that we should pay that much for crabs, can we just order something different. My partner said yes. I had already handed my credit card to the girl and said, hold on, we are going to change our order. Did you already charge the card? She said, yes, and then turned to one of the other girls to try to figure out how to process a reversal on the card because I wanted to change the order. I changed our order to two less costly meals and my brother-in-law paid for those meals with cash. He handed me the {$75.00} cash and I handed it to her. I said to the girl, did you cancel the charge on my card? She said that she was working on it. 

When I checked my credit card statement, the charge for {$110.00} was on there. I disputed the charge with JP Morgan. I also emailed XXXX to tell them that they charged my card, and that they were supposed to have canceled the transaction because I changed my order and when I did, my brother-in-law stepped up and paid with cash. I never received an email back from XXXX, and I ultimately received a " We consider this disputed charge valid '' letter from JP Morgan. That letter was dated XX/XX/XXXX. 

The letter has a copy of the " closed check '' ( dated for a month later -- XX/XX/XXXX and with the wrong information on it ; it says dozen hard crabs for {$58.00}, corn {$8.00}, fries {$6.00}, fish tacos {$18.00}, 3 XXXX  {$6.00} and 1 XXXX {$2.00} ; they were charging {$89.00} for the crab dozens that day ; that is why we told them we wanted to change to a less costly order and we changed to two shrimp and scallop orders instead ) and the " store copy '' of the credit card receipt ( dated XX/XX/XXXX ). The credit card receipt has a forged signature on it that is NOT mine. JP Morgan should know what my signature looks like. I have signed thousands and thousands of receipts for my JP Morgan Chase credit card. They should be able to recognize that the signature on the receipt is fraudulent. Also, whomever forged my signature on the receipt put a {$10.00} tip on the transaction. We ordered this food from a window and had to go sit down in the back of our car to eat it. I do not tip such big tips where a waitress is not involved. I do not generally tip when I order from a window either. 

I want this transaction refunded on my card, and I want JP Morgan Chase held liable for the fact that I tried to tell them that the transaction was supposed to be canceled since my brother-in-law paid with cash after I changed my order to a less costly order, and they didn't listen to me as their customer. Instead, they upheld a receipt that was fraudulently signed by someone other than me. Again, they should know after years of being their customer and thousands of transactions what my signature looks like, especially after I already submitted a complaint to them that the transaction was supposed to be canceled by the restaurant.