Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
On XX/XX/year>, I discovered one or more unauthorized transactions on my JPMorgan Chase Bank N.A., credit card. I did not make or authorize these purchases. I have already reported the issue to my banks fraud department, but I am submitting this complaint for record and investigation.

Bank Information : Bank/Credit Card Issuer : JPMorgan Chase Bank N.A. , Type of Card : Visa ended XXXX Date Reported to Bank : XX/XX/year> Status : Investigation closed placing the responsibility on fraud victims. Card replaced.

Fraudulent Transactions : Date Merchant Amount Notes XX/XX/year> XXXX  # XXXX, XXXX {$87.00} Unauthorized XX/XX/year> XXXX XXXX XXXX, XXXX {$44.00} Unauthorized XX/XX/year> XXXX XXXX # XXXX, XXXX {$22.00} Unauthorized XX/XX/year>XXXX XXXX XXXX # XXXX, XXXX {$60.00} Unauthorized Additional Information : I have taken the following steps : Reported the fraud to my bank and requested a replacement card.

Our credits are frozen with all three major credit bureaus.

Filed this complaint with the FTC for documentation and tracking.

Filed the complaint with the CFPB for documentation and tracking.

Please include this case in your records for potential investigation and fraud pattern tracking.

Complainant Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : XXXX Email : XXXX Here is the background of this complaint : On XX/XX/year> there were five ( 5 ) unauthorised charges made in XXXX to my JPMorgan Chase N.A. credit card ending XXXX. The first four ( 4 ) charges made in the morning were let through by Chase without question, and only the fifth one ( XXXX XXXX # XXXX, XXXX for {$130.00} ) was questioned and Chase stopped this payment. After our call on the same day Chase closed my subject credit card and then issued a new card ending XXXX. We paid off the balance remaining on the card ending XXXX, received confirmation of payoff, and then destroyed the card.

Unfortunately, there were four (! ) more charges made in XXXX on the same day on the same card ending XXXX, i.e. before it was closed and replaced. These four charges were submitted to Chase for dispute 5 (!!! ) times. Chase provided us with the " standard '' reason for declining our dispute as stating the " card was physically present '' at the time of charge. The reasonable question is how come the same " card physically present '' did not apply to the final, the fifth charge in XXXX XXXX? 

Our reason for submitting this complaint is presented below.

First, Chase did not provide any proof of their statement but told us that any of the four merchants ( XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, all in XXXX ) did not reply to Chase 's inquiry. 
Second, it makes no sense because one charge ( XXXX XXXX # XXXX, XXXX for {$130.00} ) was recognised by Chase as a fraud, whereas at the same time the same day four others were not. Is there any logic to that? We also explained to Chase fraud department over the phone multiple times that we have not been to XXXX for years and that the card was at home in my possession all the time.

Third, my husband and I possess quite a few Chase credit cards for over two decades, and we never missed a payment or disputed a charge. This time the dispute is a matter of principle and fairness. The amount of dispute is {$210.00} and now is a subject for a late fee and interest charges.

I am filing this complaint because my bank, JPMorgan Chase Bank N.A., has not properly handled a case of credit card fraud. Despit
e reporting unauthorized charges on XX/XX/year>, the bank has refused to acknowledge the fraudulent charges and closed the investigation placing the responsibility on fraud victims.

Company response to consumer: Closed with explanation