Consumer complaint received 2025-01-18 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:
XXXX started putting fraudulent charges on all cards I had registered with XXXX. I contacted XXXX and they said they locked my account out and therefore could not tell me what the charges were for. So I reported this fraud to all my credit card companies, they in turn canceled all my cards and re-issued new cards with new numbers. 

XXXX continues to fraudulently charge my cards and I report all transactions one by one to all credit card companies as fraud. XXXX then stops charging banks that it is not affiliated with and focuses on Chase so I keep getting emails from Chase asking if these new charges from XXXX are fraud and I continue reporting them as fraud. 

Even with doing all this get this : CHASE STILL APPROVES XXXX LAST FRAUDULENT CHARGES FROM XXXX. 

I call in to ask how XXXX got the new credit card number and how Chase can approve these charges after all this. The reps refused to answer my questions, refused to acknowledge my words and treated me as garbage. Chase stole money from me 3 years ago on another XXXX fraudulent charge. Same treatment as then -- the customer service reps are trained in mis direction when the customer speaks they ignore what they are saying and talk over the person and don't answer their questions. Hence why I'm escalating this here. 

The story in even deeper : Over the past 3 years XXXX has been secretly attacking my businesses with it. I have hard proof of this in emails, screen shots chats with XXXX. 

So finally early last year I made the hard decision to have XXXX sell my merchandise in its warehouses at XXXX  % of their value because XXXX itself wouldn't sell my stuff -- XXXX would sabotage my listings putting them in the wrong categories so nobody could find them, also sabotage my advertising campaigns in not allowing the products to be advertised at lower bid rates but instead only allowing XXXX high bid which would be put in number XXXX spot for about XXXX seconds per day at very expensive price then when ad gone XXXX would not allow anyone to search for my product and find it. XXXX would also put on the bottom of my page -- to go to other sellers as they have better quality -- when my product was actually coming directly from those sellers under approval resell contract that I had with those sellers!!! 

So I caved in and just said fine -- just liquidate all my products -- rob me blind give me XXXX  % as is XXXX 's way of liquidating product but get this -- XXXX wouldn't even allow that!!! These are beautiful art products that sell like crazy on XXXX XXXX : DiamondGemInk.com So I said ok XXXX you're not even going to give me XXXX  % on the inventory -- well then fine destroy it all and give me nothing I want out. I want to close my seller account and cut the losses. I put my first destruction order in early last year. Get this! XXXX takes 3 MONTHS just to BEGIN the destruction process and you know what they do while they are then destroying the product???? They secretly put HALF of it back into inventory!!!! 

So I had to then put another destruction order in for the next half and this whole crazy 3 MONTH process starts all over again and then they do the secret half back thing AGAIN!!! 

I would name my destruction orders as : XXXX, XXXX, XXXX, XXXX. 

So finally XXXX reports the inventory as XXXX, so then I downgrade my seller account with XXXX to free seller account BUT GET THIS!!!! XXXX then proceeds secretly put more inventory back into my account while I had downgraded the account to free seller account -- then they proceed to charge me over {$600.00}!!!!! Because I'm on the free seller account. They finally confessed to all this because their bullying of locking my account out and don't tell me anything unless I blindly pay them didn't work. 

I have screen shots. I responded XXXX is holding me XXXX. I've been trying to get out for around a year -- XXXX has been secretly destroying my businesses for 3 YEARS -- I've given up. I want out. I asked to have my product destroyed years ago, XXXX won't do it. The inventory finally reached XXXX AND NOW THIS?? 

THIS IS FRAUD! I told them over and over. CLOSE ALL MY ACCOUNTS AND DESTROY MY PRODUCT. 

YOU XXXX OWE ME SELLER MEMBERSHIP FEES FOR WHOLE PAST YEAR. 

YOU XXXX OWE ME EMOTIONAL DAMAGES FOR PAST XXXX YEARS YOU XXXX OWE ME OVER {$100000.00} IN DAMAGES SECRETLY CRUSHING OTHERWISE XXXX VIABLE BUSINESSES So after cancelling all my credit cards GET THIS! XXXX CHASE is the only one who approves further fraud from XXXX XXXX!!! AND I EVEN TOLD CHASE ABOUT THIS : I said to Chase when first reporting this fraud : Dear Chase I know you're really good buddies with XXXX so look I'm reporting fraud here. I'm worried that you will still approve more transactions from XXXX. They assured me no they would not. 

And what do you know???? Today XX/XX/year> I see XXXX transactions approved from Chase for XXXX and get this!!! I had already reported these charge attempts in email to Chase as XXXX! This is ridiculous! 

And it gets worse : A detail I didn't say above. I don't know how or why but when I down graded the XXXX XXXX account some how XXXX had the wrong address for my credit cards -- so the transactions would initially not go through and that saved me because XXXX without warning just started falsely claiming I owed them over {$600.00} for downgrading the account when my XXXX inventory read XXXX!!! They added a few units in and all their crazy fees they think its ok to charge someone {$600.00} for wanting out! So the {$600.00} charges didn't go through because they had the wrong address on file -- again I don't know how that happened because they were successfully charging my seller subscription all the way up to XXXX XXXX I downgraded to the free seller XXXX account. 

Also when I downgraded there was no warning from XXXX saying if you downgrade then I will be charged all this -- that's how XXXX operates you never see any quotes or consequences before you hit the ok buttons on ANYTHING on their platform. Then you get hit with these surprise fees -- and then the way they report these fees you don't know where they come from!!! 

Anyway so regarding CHASE : HOW IN THE WORLD DID XXXX GET THE NEW CREDIT CARD NUMBER -- WHICH I DON'T EVEN HAVE PERSONALLY YET, HOW DID XXXX GET MY NEW ADDRESS TO SUCCESSFULLY CHARGE THE NEW CHASE CARD? 

AND WHAT BUSINESS DOES CHASE HAVE APPROVING THESE CHARGES AFTER ALL THIS?? 

I called it when this first happened : Chase you have a special relationship with XXXX and you will approve whatever XXXX decides to charge regardless of what is right or wrong. 

Then from past experience with Chase I've found they have a trained system where the reps act like robots -- they don't acknowledge your problem -- they just ignore the person and say well our policy says you have to pay. And you ask right you've quoted your policy 5 times but I'm asking why? And they simply respond a sixth, seventh ... on and on just quoting the policy. 

I can do the same thing : My business says Chase and XXXX owe me MILLIONS. That's my policy. And when Chase and XXXX ask but why? Why do you claim we owe you XXXX??? Oh right I'll give you a answer : Its because that's my company policy!!!!!!! 

So its dealing with a bunch of mindless trained robots when extortion is at play there is no reasoning -- just that's our policy and you have to pay. 

So this is fraud and Chase should have never approved those transactions. I was being a very nice guy -- just letting XXXX XXXX XXXX and take me for all these damages willing to just walk away. AND HERE THEY JUST KEEP ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND WON'T LET ME GO!!!!!!! 

So I kindly ask : Chase please don't support XXXX 's fraud and quit approving their charges and also quit harassing me in the form of asking me if every daily fraudulent charge from XXXX if I consider it to be fraud -- that's just harassment. I already told you the gravity of the situation -- you shouldn't have to keep asking me if each new fraudulent charge ON AN DAILY basis is still fraud!! 

And XXXX should : 1. Refund my membership fees since it started secretly sabotaging my account which is roughly XXXX years so roughly {$40.00} * 36 months = {$1400.00}. 
XXXX. Refund my advertising fees because you wouldn't put the products in the right categories so the advertising would be corrupted : Roughly {$200.00} XXXX. Refund the product which you held XXXX and wouldn't sell which was roughly XXXX units of framed art valued at roughly {$20.00} each for a total of : {$9600.00} XXXX. Refund the failure of my abrasive business which was valued at around {$100000.00} before you started corrupting the listings and eventually put the disc sanders in the category of XXXX XXXX!!!! Sales went down XXXX % the very day you put my XXXX XXXX in the XXXX XXXX category!!! Because then it messes the advertising algorithm up. I was in the top XXXX for the product and people would buy it even with you corrupting the text on the listing -- so you found out they could find it organically so you put it in the wrong category and then cut the organic ability to find the product. I spend many, many, many days hours fighting with your seller support about this and seller supports exact response was this : " An internal XXXX team has taken ownership of half of your XXXX XXXX listings and they have locked your ability to update the listings with no reason. '' So here 's the kicker! XXXX says I'm in violation of policy so when I go to XXXX all text from the listings they won't allow me to because the internal team has taken control of it -- yet half of the disc listings read the same and are NOT flagged as policy violations!!! 

The financial and emotional damages over years of just trying to make an honest living on their crazy platform words -- can not even begin to describe. To make it on XXXX you have to be a giant company with teams of lawyers and people to baby sit XXXX and then pay XXXX for what is known as a special " VENDOR ACCOUNT '' where XXXX allows you manage everything instead of XXXX algorithms and/or competitors who DO HAVE VENDOR accounts -- sabotaging your business. 

So I was a nice guy willing to take the XXXX  -- walk away with all these losses and here XXXX just keeps on with this FRAUD holding me XXXX. Won't even let me peacefully go with all these losses. So here we are! This is my story and what happened to me and I'm standing up for myself and let this be a warning for all considering to be an XXXX seller and use their partner bank Chase for the prime XXXX XXXX

Company response to consumer: Closed with monetary relief