Consumer complaint received 2024-03-15
Product: Credit 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. (CA)

- XX/XX/XXXX went to a gas station in XXXX XXXX XXXX and attempted to use my Chase credit card to purchase {$47.00} USD worth of gas from a gas station here XXXX XXXX XXXX. There are many reviews reporting suspicious credit card practices here but I was unaware of this at the time. 
- Chase denied the transaction and I received a SMS message from chase alerting me that it had been denied. Chase asked if it was me making the transaction and to reply YES if it was me. 
- I replied to chase YES and the man said " this happens all the time this is XXXX '' - He then pulls out a different XXXX XXXX ( handheld credit card scanner ) and says here we can try this one and taps that scanner ( it visually showed the same amount ). This time I received no text but he told me it was also denied. 
- I had about {$30.00} worth of USD on me in cash and they agreed they would just take that amount and call it good. 
- I returned my rental car and went to the airport that day and bought a sandwich before sitting down at my gate. 
- 3 days later I was reflecting on these events and I thought maybe there was some other fraud happening with my card at that gas station as it was weird how friendly they were when they accepted my {$30.00} worth of cash which didnt cover the full amount and saw on my statement a fraudulent transaction for {$1800.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX that happened at the exact same time. I wasn't even in city of XXXX let alone purchase anything close to that amount on the trip. My rental car was through XXXX XXXX and was only {$550.00} USD for the trip. 
- I contacted chase and alerted them of the fraud charge on XX/XX/XXXX and they said they would flag it as fraud and send me a new card. 
- On XX/XX/XXXX ( XXXX business days and XXXX calendar days ) the charge re-appeared on my statement with no notice from Chase at all. Which in it of itself is shady business practices to not even alert me in anyway... 
- I contacted Chase attempting to share these events and it did not appear they were willing to reverse their decision at this time. They would not give me a reference number for the dispute or anything of that nature so i do not believe they plan to resolve it. They stated someone might get back to me by letter but I do not expect to hear from them. 
XXXX Chase claimed that my fraud claim was denied because I made subsequent purchases on the card after the disputed event occurred claiming that the disputed event must not have been fraud since it came from the physical card which was in my possession at the time... Which is pretty unfair for them to claim when the transaction was likely fraudulent and their system could easily have similarly asked me " Was this? Reply YES or NO '' for the follow up transaction that was over 35x as large as the one they were originally worried about. If their system was suspecting fraud from the {$47.00} charge how could it have allowed the larger $ XXXX transaction to go through without question ... what a security flaw. Very disappointed with my treatment over this so far and with Chase over this.