Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX, I noticed recurring charges of {$180.00} per month on my bank account from XXXX XXXX XXXX XXXX a company I do not recognize. These charges continued monthly and have now accumulated to a total of {$2000.00} by XX/XX/XXXX. 
First charge : XX/XX/XXXX {$180.00} Most recent charge : XX/XX/XXXX {$180.00} I initially called XXXX XXXX to inquire about these charges. During the first call, they claimed that I had signed up for a policy for some sort of vehicle coverage in person, which I did not do. After this call, I contacted Chase Bank for guidance, and they advised me to try calling XXXX XXXX again to cancel the policy. 
I then called XXXX XXXX again to request more information, cancel the " policy, '' and seek a full refund. I have never signed up for a vehicle protection policy with XXXX XXXX XXXX XXXX nor did I authorize any recurring payments for this service. XXXX XXXX then claimed that I signed up for the policy over the phone, but I did not make any such phone call, nor did I authorize this policy. This statement was inconsistent with their previous claim that I signed up in person. I had never even heard of this company before this incident. They stated that I spoke with an agent over the phone and agreed to the policy, but they refused to provide the recording of the phone conversation. Without this proof, their claim that I authorized these charges is unverifiable. 
Additionally, they provided me with a policy document listing my name as " XXXX XXXX '', which is incorrect. My full name is XXXX XXXX XXXX, further proving that this policy could not have been signed by me. The document didnt even have a signature ; it just stated the name " XXXX XXXX XXXX and claimed I authorized payments over the phone. 
To resolve this issue, I contacted XXXX XXXX XXXX several times, requesting proof of my enrollment and any documentation showing my agreement to this policy. However, they have been unable to provide any valid proof, such as a signed agreement or recorded phone call, confirming that I authorized this policy or the recurring payments. They claimed they canceled my " policy, '' but they couldn't provide written proof that it was canceled. They also refused to give me a refund. 
On XX/XX/XXXX, I contacted Chase Bank to dispute these charges, as I had been unable to resolve the issue directly with XXXX XXXX. Chase Bank explained that they could not issue a full refund. They said they could only refund XXXX months of payments. They advised me to contact XXXX XXXX for further resolution. However, XXXX XXXX has continued to refuse a full refund and has not provided the necessary documentation to support their claim that I authorized these payments. 
The charges have continued to appear on my bank statements, and I have been unable to stop them. I am now requesting a full refund for all payments made, as these are fraudulent charges. 
Actions Taken : XX/XX/XXXX XX/XX/XXXX : Unauthorized charges totaling {$2000.00} made by XXXX XXXX XXXX XXXX {$180.00} per month. 
XX/XX/XXXX & XXXX, XXXX : Contacted XXXX XXXX XXXX multiple times to dispute charges and request documentation. They claimed I signed up over the phone but refused to provide the recorded phone call as proof. 
XX/XX/XXXX : Contacted Chase Bank to dispute the charges. Chase refunded the last XXXX months ( XX/XX/XXXX and XX/XX/XXXX ) but refused to refund the full amount based on their standard dispute policy. 
XX/XX/XXXX : XXXX XXXX has refused to issue a full refund and has not provided any documentation proving I authorized these charges.

Company response to consumer: Closed with explanation