Consumer complaint received 2024-05-08 00:00:00
Product: Credit 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.
State: CO

Complaint narrative:
Company Chase Card Services Charge : Credit Card Charge XXXX for {$1100.00} on XX/XX/2023 Charge Reinstated during month of XXXX Description of the event : During a recent trip to XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I visited a XXXX called XXXX XXXX address : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX At this XXXX I ordered a couple of drinks and XXXX for a while. While I was XXXX I was approached by someone who falsely claimed to work at that XXXX They proceeded to ask if I would like to close out XXXX XXXX tab. As it was later in the night, and I was not feeling great because of some stomach trouble I decided it was a good time to close my tab. 


They had a card reader with them and I paid via XXXX XXXX. They Left the XXXX  ; I proceeded to pack my things and was then asked while leaving by the XXXX XXXX to close out my tab. I explained that I had already paid. The bartender informed me that the person who I paid does not work at that XXXX and had to close my tab. I looked around for the person who pretended to work there but was unable to find him. The next couple of days I was stuck at my hotel with very bad XXXX XXXX 

My chase card is my most used card, since the payment was via XXXX XXXX, I knew they did not have my credit card information to steal additional funds. 

A police report was not filed in XXXX as I had to leave in a couple of days and most of the rest of my trip was spent stuck in my hotel room fighting XXXX XXXX 

On the XXXX of XX/XX/2023 I called Chase card services to report the fraudulent charge. After speaking with the fraud agent, it sounded like a clear-cut case and no further action was needed on my behalf. Had the chase agent notified me that I needed to provide more information I would have gladly but the charge was removed and I assumed all was well. 

Post Event DetailsXXXX XXXXChase Card services failed to notify me that the charge was being reinstated on my credit card. 
-The charge was reinstated over the 60-day limit within the first billing error and report XXXXCredit Card was put over limit due to this charge impacting my credit score. 
-First Call to Chase Card Services notified me that I would receive a call back within a business day. 
-Second phone call notified me that it could take up to 5 business days and that I should have filed a police report in XXXX even though that was not prompted by the original call made on the XXXX of XX/XX/2023. 
-Third phone call I was told again that I should have filed a police report in XXXX even though this was never prompted before on the first call. 
-A formal complaint was later mailed to Chase Card Services notifying them that the charge was fraudulent and for any supporting evidence of the charge to be sent to me. 
-A letter was mailed by chase notifying me that they will not notify the credit bureaus with a correction to the charge. 
-A phone voice message was received telling me that they are not going to resolve the fraudulent charge.

Company response to consumer: Closed with explanation