Consumer complaint received 2026-05-04 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: IL

Complaint narrative:
On XX/XX/year>, I was approached outside a XXXX XXXXXXXX grocery store on XXXX XXXX XXXX in XXXX, IL by two individuals claiming to be collecting donations for a funeral for one of their daughters who had been killed in a drive-by shooting. I agreed to donate {$50.00} and handed one individual my Chase credit card to process the donation. While one individual handled my card, the second individual deliberately distracted me by telling me I would receive text message receipts broken down as {$20.00} and two {$10.00} amounts. Immediately after leaving the store, I received a real-time fraud alert notification from Chase flagging a {$3000.00} transaction on my account. I called Chase immediately, reported the unauthorized charge, and canceled my card and a new one was en route to my apartment all based on Chases own fraud alert guidance. Chase then sent me a written email confirmation that my case was being handled as fraud. I relied entirely on Chases guidance throughout this process and believed the matter was being properly resolved. The receipts I received via text message did not display the last four digits of my credit card, which is suspicious for any legitimate transaction. However, the merchants bank records do show my cards last four digits confirming a {$3000.00} transaction was processed. The receipts I was handed were deliberately falsified to conceal my card information, which is itself evidence of criminal intent and a hallmark of a card skimming distraction scam. Despite all of this, approximately XXXX months later in XXXX XXXX, Chase reversed course and denied my fraud claim, stating the transaction did not qualify as fraud because it was face-to-face. Chase then reclassified this as a dispute and is only attempting to recover {$2900.00} leaving me responsible for a charge I never authorized. This reversal is deeply troubling for the following reasons : - First, Chases own real-time fraud detection system flagged this {$3000.00} transaction as suspicious the moment it occurred. - Second, Chase sent me written confirmation that this was a fraud case, on which I relied when canceling my card and following their process. - Third, physical presence does not constitute blanket authorization. I authorized exactly {$50.00} any amount beyond that was processed without my knowledge or consent. - Fourth, Chase has access to the merchants bank records confirming my card was charged {$3000.00}, yet continues to deny my claim. - Fifth, the deliberately falsified receipts that hide my card information are direct evidence of criminal intent, not a legitimate transaction. I have filed a police report with the XXXX Police Department documenting this as a card skimming distraction scam and will provide the case number upon receipt. I am requesting the CFPB require Chase to reclassify this as unauthorized fraud and issue a full refund of the {$2900.00} I did not authorize. Chases own systems, their own written communications, and the merchants bank records all support my claim. Their reversal after XXXX months is inconsistent, unsupported, and leaves a fraud victim bearing the cost of a crime committed against them.

Company response to consumer: Closed with non-monetary relief