Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
ISSUE : I have been scammed, notified the bank and bank refused responsibility. 

XXXX Computers were purchased with my personal Chase Credit Card on behalf of my new employer ( XXXX XXXX ). Prior to shipping, I made sure that my reimbursement of {$6200.00} was in-place ( account was provided by scammer to make this payment, also using CHASE Bank Account # XXXX, Routing # XXXX ). I also called the bank to secure this transaction and it was confirmed. Note : Transaction is from CHASE Bank Account to my CHASE CC. 

XXXX Computers were shipped to XXXX, XXXX through USPS XXXX, XXXX. 

Between times, I sensed potential Scam but unable to verified and since my Credit Card Account did not show any questionable activities, I was not too concerned, especially as the payment I made stays in place. 

I was given another assignment by my employer to purchase another same set of computer as part of my training and I also purchased the Computers from same place, billed to my same CHASE CC in the amount of {$6200.00}. I also purchased Shipping Materials. 

I attempted to reimburse myself using the same Chase Account given to me per the above. I was refused by the system with a screen error of " FAILURES ... ". 

I passed this to my employer and they provided me with a different account # : XXXX & Routing # : XXXX. I also reimbursed myself using this account with a payment to my CHASE CC of {$6700.00} ( XXXX ) and {$480.00} ( XXXX ). 

Again, prior to shipping, I made sure ; reimbursement / transaction is clear with no issue, verified by another call to CHASE to verbally confirmed over the phone. 

XXXX XXXX Packages were sent using USPS. 

XXXX @ XXXX I discovered this was a scam. Discovery were made by calling my employer HQ office in XXXX which confirmed that this is a fraud / scam. The entire day I notified / filed reports : CHASE Bank, USPS ( all routes possible ), Police, FBI, Cyber Police, etc. My CHASE CC status was still undisturbed when I kept checking in the evening. 

XXXX @ around XXXX, I checked my CHASE CC status again and showed a Returned Payment charges of {$6200.00} posted XXXX probably late night. I called CHASE and spoke to XXXX XXXX XXXX of CHASE in XXXX XXXX and he offered no solution, placed full responsibility on me. 

During all this time, I kept monitoring my account. 

ISSUES:1. The payment transfer was legitimate from XXXX through XXXX, 7 days, for sensitive issue that I have alerted the bank since day XXXX of legitimacy questions and it was always confirmed everything were confirmed legitimate. 

2. The Bank delay / wait of 7 days to reverse payment disabled me from Reverse Shipment of the Packages I sent, by this time it is already too late, packages have arrived in XXXX, XXXX per my tracking. Electronic transfer validity should not take more than a day or XXXX, especially in same bank transfer, and this takes 7 days. I kept in contact with the Bank for legitimacy all the time, especially when same XXXX request were made by my employer, bank 's agents always confirmed it was legitimate. At XXXX time, I even place a block in my account, just in case. 

3. CHASE denied responsibility is unfair due to the Chronology of the events. 

4. This complaint also for the payments of : {$350.00}. XXXX posted on XXXX/XXXX/15 {$6700.00} posted on XXXX/XXXX/15 {$480.00} posted on XXXX the reverse charges will certainly occurs in the near future, and shipment of the merchandise has proceeded and according to USPS is almost impossible to Reverse International Shipment. Though, I have made major efforts to do this. Should any can be recovered, I will attempt to return them to the store and credit will be reported to the bank to recharged back my account appropriately ( store will do this automatically when merchandise is returned ).

Company response to consumer: Closed with monetary relief