Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I was approached by a teenager who asked for a donation for his brothers funeral. This was in a parking lot outside of the XXXX XXXX, CA XXXX XXXX. He claimed his brother was a victim of XXXX XXXX in XXXX, CA and they needed donations to pay for the service, which would be matched by a nonprofit organization. I agreed to give a donation of {$30.00} to support the cause. Once I agreed, XXXX other teenagers joined with clipboards. They claimed they needed my info and signature for the donation match. During the next 60 seconds, the teenage boys distracted me so that they could increase the donation from {$30.00} to {$3000.00}. While I was filling in information, I attempted to pay for the donation via XXXX XXXX. The original teenager, while I was distracted, grabbed my phone from my hand to say yes in response to the fraud alert text message. I did not authorize this {$3000.00} charge. This was a fraudulent bait & switch, where I agreed to a much smaller amount of {$30.00}. The scammers then manipulated the interface to process {$3000.00} without my consent. When I glanced back at my phone, I realized what had happened. I immediately confronted the group of boys for what they did, and they ran away and quickly got into a car around the corner and sped off. Within minutes, I called Chase credit cards fraud department and explained the situation. They agreed to remove the charge after I explained I did not authorize it and it was part of a scam. Within the hour, I also called the XXXX XXXX police department to file a police report ( case # XXXX ). On XX/XX/XXXX, almost two months after the incident, I saw that this was all reversed on my credit card statement the {$3000.00} charge was back. I called the fraud department who said the credit card company somehow validated the charge with the merchant. Of course the merchant validated the purchase... it was a group of teenagers who are scamming people into agreeing to do larger " donations '' than they agreed to. The only information I have is that the credit card was charged to XXXX XXXX XXXX XXXX XXXX '' but I don't know how else to track them down. I tried going through Chase / XXXX 's " disputes '' department afterwards- where I wrote a letter explaining the situation. They never received my letter, which was postmarked XX/XX/XXXX. When I spoke to a customer rep & supervisor today, they claimed I was out of the window for disputes, but the supervisor told me that my case wouldn't qualify for their disputes anyway. My understanding is that -- under the Fair Credit Card Billing Act ( FCBA ) - Regulation Z, I am protected against unathorized charges like this. I'm feeling at a loss... I only authorizes {$30.00}, not {$3000.00}. The reason I pay an huge fee each year with the XXXX XXXX card is for their fraud protections, but in this case, they are shirking their support. Thank you for your time & help.

Company response to consumer: Closed with monetary relief