Consumer complaint received 2019-01-28
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. (MA)

Complaint:
I am a XXXX  in Massachusetts who had the sad experience last XXXX of discovering that a former XXXX XXXX of the office which I share with another XXXX  had committed bank fraud by using the information on a paper check ( that I wrote to give her a XXXX bonus ) to pay her own bills online. This amounted to only a few hundred dollars before it was noticed and the bank account was closed, but led me and my accountant to take a closer look at my business credit card, revealing over {$5000.00} worth of fraudulent charges on my business credit card, attributable to the same employee - very traceable charges such as cell phone bills, parking tickets, utility and cable bills ... etc. These occurred over the course of several months starting in early 2018. I called in this credit card fraud to the fraud unit of Chase bank, who administers this business VISA card, and they kindly reassured me that the fraudulent charges would be reimbursed, and I noticed that the fraudulent charges were quickly duly credited to the new Chase credit card account that had been set up after the first was closed. I was told on XX/XX/2018 by the fraud department that the reimbursement check of {$5200.00} for the fraudulent charges would be mailed to me within 2 months. 
A police report was submitted for both the bank and credit card fraud, now elevated to a felony due to the amount of money involved. 
Then, a week ago, I received a phone call in the evening from the " recovery unit '' of the Chase fraud department that asked me several questions and, after learning that this employee had been given the physical card to pay for office expenses a few times ( after which it was returned to my wallet - no ongoing condoned access and not my employee technically as she is employed by the XXXX who runs the office ), this was a civil and not a criminal case and therefore did not qualify for reimbursement. 
Confused and upset, and feeling betrayed by Chase, I even appealed to their executive offices but was told the same thing and told that this is a common practice of the company. I pointed out that I give my credit card to many people to pay for business-related expenses- eg a gas station attendant, XXXX  supply reps - and if they stole my credit card info for personal use this would surely be criminal credit card fraud and subject to reimbursement by the credit card company - they agreed but still insisted my case was not criminal, but civil, so not covered. 
Please help me. I feel that, because of the amount of money involved here, Chase is  dodging fulfillment of one of the reason people use business credit cards, namely the coverage for fraudulent charges. 
I am reachable by cell phone ( XXXX ). The investigating police officer would  also like to be involved and has all of the details of the fraudulent credit card charges : Officer XXXX XXXX XXXX ext XXXX Thanks so much for any help. At this point, it is the principle of the thing, knowing that Chase could fail to protect-as-promised any of their business customers who are affected by this sadly common type of credit card fraud. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation