Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NM)

Please see below the timeline of actions taken regarding my complaint. All corresponding documents will be attached. 

1. On XX/XX/XXXX I received and email receipt for {$420.00} from XXXX XXXX via XXXX. As I didn't make this purchase, I called Chase Card Services immediately, they documented my call and said they would investigate. 
NOTE : Merchants I have purchased from do use XXXX credit card processing services. Therefor my credit card number, name, email address and phone number are recorded in the XXXX system. I'm not aware of their security methods. 

2. Chase response email XX/XX/XXXX stating they will research my fraud claim. 

3. Chase letter XX/XX/XXXX, stating they are investigating. 

4. Chase letter dated XX/XX/XXXX, received via US Postal Services XX/XX/XXXX, stating they found " You received benefit from this transaction ''. I called and requested proof of the services or goods and never received those from Chase. 

5. Letter I wrote to Chase on XX/XX/XXXX outlining the fraud charge in question and other prior fraud charges to my Chase account that they failed to address. After this letter they credited the duplicate XXXX charge yet failed to address the larger ones. Regarding the XX/XX/XXXX {$500.00} charge at XXXX, my credit card had been stolen, reported to Chase and the police, yet Chase never would acknowledge this. I eventually paid as I was tired of arguing with Chase. 

6. Chase hard copy letter dated XX/XX/XXXX stating they still believe the charge was valid yet provided no evidence to support their findings. 

7. XX/XX/XXXX I called Chase customer service again to discuss the fraud charge. The agent told me I need to work with XXXX, and told me to submit my documents ( the ones listed above ) to this email address. 

8. Chase hard copy letter dated XX/XX/XXXX response to my re-claim of the XX/XX/XXXX fraud charge, again giving me no documentation of the charge and no resolution to the issue. 

Having exhausted all avenues with Chase card services, I started my own research into the charge. Documents outlined below show the XXXX receipt was not from a valid merchant. 

9. Original email receipt from " XXXX '' which alerted me to the false charge. 

10 My response to the XXXX XX/XX/XXXX email receipt. 
11 Immediately I received this " Mail Delivery '' alert : " ADDRESS NOT FOUND ''. Proving the initial charge was not valid. 
12 Email attempt to another address, did not work. 
13 XXXX search for the alleged business " XXXX XXXX '' showed no results. 
14 Chase original statement. No phone number was not provided via Chase billing per standard procedure or via their " research ''.

15 Most recent statement from Chase, they are now charging me over {$110.00} in additional fees and interest. 

As you can see, I have worked all avenues with Chase card services to resolve the fraudulent charge made to my account as well as my own research, both providing no proof the charge was valid. Chase has canceled my account and reported me to credit services. I recently applied for a new home loan and this was recorded as delinquent on my personal credit report, a violation of my FCBA rights.