Consumer complaint received 2025-06-18 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:
I spent many months disputing XXXX large fraudulent charges on this business credit card from Chase Bank, Business Cash card from XX/XX/XXXX. I was a victim of a large-scale fraudulent scam XXXX from the convicted con XXXX XXXX XXXX XXXX XXXX XXXX ) who was running " XXXX XXXX  XXXX '' XXXX coaching. Not knowing of his criminal past, he offered me " business coaching '' to obtain passive income. They targeted me for my good credit, opened an LLC in my name, and obtained business credit cards through this LLC. After opening the card, they charged the card for {$35000.00} and later told me this was for 3 shared of their " XXXX '' investments. They told me to wait as this would be a nice source of passive income. 

I had no choice but to pay the minimum due on the card as they promised me profits would be coming in XXXX  days. After XXXX  and months of delays, all legitimate sounding, I started to dig deeper and discovered XXXX XXXX XXXX 's '' XXXX 's criminal past and his current ongoing lawsuits. I called Chase to report these charges as the services were never rendered and I obtained nothing from these charges. 

At this point Chase asked for more information. I sent them a major new article documenting XXXX XXXX 's ( XXXX ) Ponzi scheme as well as his criminal past, shared all the communications with him and his team, and all details proving that these charges were made by criminals who were trying to steal my money. 

However, Chase closed the dispute without providing me written reasoning as to why in XX/XX/XXXX. I re-opened in XX/XX/XXXX, provided the additional information that they requested via phone and letter, by Faxing them many documents and directly showing them confirmation of me " cancelling the services '' from XXXX XXXX, ( XXXX  ) which was the specific item they were requesting. However, after Faxing them this information in XX/XX/XXXX, within days they closed the dispute, again without providing me any information as to why they closed the dispute. ( Today they told me that they attempted to call me after I sent the documents in, but I never received a voicemail and I certainly did not receive a written notice that they needed further information. They simply closed the dispute with no details given. ) In XX/XX/XXXX, I called Chase back and explained that I didn't open this credit card, even though I was making payments on the card, and showed them the reason for this ( that XXXX had told me that after they opened the cards with my financial information, that I should make payments until the profits on the commodities come in ). Chase opened a fraud dispute at this time in XXXX, XXXX. However, they didn't tell me that this fraud dispute was with another department. I didn't understand that it was with a different department that the Dispute 's Department. I was waiting for the resolution with the Fraud Department ( Recovery Team ), which I discovered only in today ( they didn't send me a letter and instead just put the balance back on my account so I didn't notice it until I got a late payment notification ). I had called Chase a few times during this time when they asked for more information and I faxed them all my documentation. However, since I was waiting on the Fraud Department resolution, the time to re-open the dispute in the Dispute Department had run out. Then the Fraud was also denied because ( they told me today on the phone ) " by making payments I was accepting liability. '' Both the Fraud and Dispute department did not communicate to me any reason for denial. The Dispute department did send a letter saying my re-opened dispute was denied but didn't give a reason. When I called in to re-open it, I was routed to the Fraud Department and thought I was re-opening the original dispute. Then, when Fraud Department denied me, probably sometime in XX/XX/XXXX, I didn't get any written notification at all. 

Chase clearly has a problem with internal communication and process because the Dispute department was not alerted to the Fraud claim for the same charges. Throughout this entire process I was routed to many different supervisors who didn't understand or have documentation of what previous supervisors had told me. 

Upon noticing the late fee on my account, I called in today and was told that I needed to speak with Disputes ( this was when they told me that my Fraud was denied because I was making payments on my card ) so upon speaking with Disputes, they told me there was nothing they could do. There was no way to re-open the dispute because too much time had passed. 

This is how they won. By, deliberately confusing me. I had spent hours and hours sending them every document they requested, detailing all the lawsuits against this criminal, the FBI report, the news articles, my personal dealings, my lack of received services, and my attempts to cancel the services, and yet they still denied me without providing written notifications with the reasons for denial.. 

In the process of this elaborate fraud that I fell victim to, the criminals also opened business cards from XXXX other banks, totaling an additional XXXX. XXXX of those banks hace already settled in my favor, XXXX XXXX and XXXX XXXX. I am still disputing with XXXX XXXX. 

The documents I am submitted are the documents I sent Chase during the third round of disputes ( when I was actually with the Fraud Department, not the Dispute Department, but they are the same documents I sent the Dispute Department ).

Company response to consumer: Closed with explanation