Consumer complaint received 2025-05-20 00:00:00
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.
State: CA

Complaint narrative:
On XX/XX/year> XXXX, I was lured into XXXX XXXX XXXX XXXX XXXX by a woman I met on the Bumble dating app. While under the effects of a suspected spiked drink served by staff, the XXXX woman and staff member gained access to my mobile phone and credit cards. Multiple large transactions with merchant ID Dinii were initiated without my informed consent across all credit cards.The following credit cards were targeted in the same fraudulent manner with merchant ID Dinii : Chase Sapphire, Chase XXXX XXXX XXXX, Chase XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Chase Sapphire has been the only card which has refused acknowledgement of fraudulent charges with ID XXXX that total {$10000.00} USD. 
The explanation given on XXXX XXXX  XXXX XXXX from Chase fraud supervisor is that XXXXthere is not enough compelling evidence for fraud ' and that I 'willingly authorized the transactions by phone '. My dispute with Chase Sapphire regarding fraudulent charges include ( 1 ) I Did not willingly authorize transactions : authorizing a transaction by phone while under the influence of a spiked drink is no different than signing a contract in a vulnerable state under duress. I was unable to recognize or resist manipulative behavior or fraudulent requests while being a victim of fraud. I had little recollection of transaction authorization details for Chase Sapphire, and once I arrived home and regained clarity, I proactively called Chase to report the missing card and fraudulent transactions later that same day. ( 2 ) Reported the Fraud as Soon as I Regained Clarity : This suggests my earlier consent was not informed or valid. ( XXXX ) Police Report : Includes a documented timeline showing how and where I was lured and drugged ( 4 ) Fraudulent Transaction Pattern : The size, location, and nature of charges are inconsistent with my 15+ years of spending history as a Chase customer ( 5 ) Call Logs for mobile phone : Show that there is no outbound call to request Chase transaction authorization. This further suggests a call was made by the perpetrators from a different phone number with the goal of authorizing transactions by phone while I was under the influence. ( 6 ) Multiple Cards Affected : The same fraudulent charges occurred on other credit cards during the same time window with the same merchant ID and those banks recognized the transactions as fraud. Following actions taken ( XXXX ) [ XXXX XXXX  ] XXXX phoned Chase Fraud department ( XXXX ) XXXX on the same day the fraudulent transactions appeared with ID XXXX  on Chase Sapphire card ( XXXX ) [ XXXX XXXX  ] XXXX emailed Chase XXXX department a ) Police report b ) XXXX  XXXX Investigation report ( XXXX ) [ XXXX Thu ] XXXX emailed Chase supporting docs a ) Bumble Safety Investigation results b ) XXXX XXXX debit card Fraud Claim ID ( 4 ) [ XXXX XXXX  ] XXXX emailed Chase supporting docs a ) email fraud alerts triggered by merchant ID XXXX XXXX ) phone call records for registered phone number.

Company response to consumer: Closed with explanation