Consumer complaint received 2024-11-20 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: CT

Complaint narrative:
Late in XX/XX/XXXX I received my XXXX Freedom Card statement from Chase Bank ( XXXX account number ending XXXX ). I noticed several suspicious charges. I called Chase Bank and reported the unauthorized charges and was told the bank would remove the charges while they investigated. They then told me to destroy my card and they would issue a new one. They have. The new card ends in XXXX. 

On XX/XX/XXXX I received a phone call from Chase Bank. Among other things I was asked if the XXXX card had been lost or stolen. I said it had not. The card had always been in the possession of my wife or myself throughout XXXX. I also was asked about XXXX. I told the investigator that my wife frequently uses XXXX. Finally I was told that Chase Bank considers the charges legitimate since the card was not lost or stolen and that I would have to pay the disputed amount - {$2300.00}. I protested and was told to write an email to the fraud office of Chase Bank. Which I did. 

I got another call from Chase Bank on XX/XX/XXXX. Among other things I was told the problem rested with XXXX and thatI had to take up the matter with XXXX. I informed the caller at that time that Federal regulations apply to this issue ( 12 CFR 261.12 ( 1 ) ( i ) and 15 USCA 1643 ( 2 ) ( b ). I also asked whether Chase Bank wasnt the better party to deal with XXXX. They would have a more difficult time dismissing Chase Bank than a simple card holder like me. I was afraid XXXX would simply tell me the problem lay with Chase Bank and that I should deal with them. 

I called XXXX and was transferred to XXXX. Unsurprisingly XXXX told me the problem lay with Chase Bank and that I should deal with them. Below is a list of the fraudulent charges, the dates they occurred and, where possible, the location at which they occurred and my justification for why I know the charges were unauthorized. 



Date Amount Store XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX, OH XX/XX/XXXX {$150.00} XXXX XXXX OH XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XX/XX/XXXX {$150.00} XXXX XXXX, MI XXXX XX/XX/XXXX {$380.00} XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$150.00} Neither my wife nor I have been in Michigan, Ohio or XXXX in the past 5 years let alone XX/XX/XXXX. There is a XXXX in our hometown but neither my wife nor I phoned or entered this pharmacy at any time during XX/XX/XXXX. 

I need help in getting these charges removed from my account whether it is Chase Bank or XXXX is the correct entity to do this. Can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX ( home ) XXXX XXXX XXXX ( cell )

Company response to consumer: Closed with monetary relief