Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
Thank you in advance for your assistance and consideration -- This case is related to Chase Freedom Card, account ending in XXXX I contacted Chase Fraud Dept on XX/XX/XXXX upon receiving and reviewing my monthly credit card bill about unauthorized use of the credit card account. As shown below, I noticed there were/are several unauthorized, suspicious charges made in Pennsylvania as per below : XX/XX/XXXX XXXX XXXX  # XXXX XXXX PA XXXX XX/XX/XXXX XXXX # XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX  XXXX PA XXXX XX/XX/XXXX XXXX # XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX  XXXX XXXX # XXXX XXXX PA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  PA XXXX These charges are unknown to me, unauthorized, and blatantly fraudulent. My card was not lost, however some how, some person or persons obtained my credit card number and started using it at local box stores ( grocery and do it yourself hardware ). 

Chase withdrew the charges upon notification back in XXXX. However, Chase notified me on XX/XX/XXXX, not in the mail, via a clandestine, non-transparent way through email and then a letter to my online account that they denied my claim. Basically, I learned of it by noticing that they had reapplied the changes. The letter as attached reads : 'You received benefit from this transaction. ' That's it. No explanation, just a cookie cutter response. My question is : I did, how exactly? 

To further add, I live and was physically in California at the time involved in business meetings with other people, and would not have been able to conduct or authorize someone else to conduct these fraudulent transactions on my behalf or for my benefit. Moreover, I have no immediate or extended family, nor friends, who have access or knowledge of my personal credit card. 

In the circumstances, it defies logic that I made and therefore should have to pay these charges. 

Look at these charges -- anyone with a shred of common sense can see that it is fraud. And if Chase had any consumer regard, they would never reapply these charges to my credit card account. 

These charges are fraud. Why does Chase have Fraud department, if they are not going to do anything about Fraud? They must investigate and be part of a solution to stop fraud abuse.

Fraud at this level should be subject to scrutiny by Chase, as well as state and federal authorities. Chase, is one of the US and world 's largest credit card company with vast resources to investigate and nullify fraud. To me, it appears they have done absolutely nothing except send me new card and bill me after 90 days had passed. No follow-up, no questions. Their regard for US law is a preprogrammed, template notification to be compliant. As such, Chase 's behavior gives the appearance of complicity and complacency with no regard to addressing Fraud as a crime, or the violation of consumer ( s ' ) trust. They are not absolved of their duty by checking some boxes and passing costs on to their customer. 

It is shocking that they did not send a fraud alert and recognize a purchase pattern for amounts, locations that are completely at odds with customer location, and conflict with concurrent transaction history, not to mention repetitive purchases for blanket, round amounts. It smacks of fraud. If Chase bothered to check, I have to wonder whether there is data showing a pattern of fraud in the area or with these merchants. Instead of being XXXX, community service responsible and aware, they are looking the other way and passing along cost to the consumer and credit card holder, me in this case. What a disgrace. That's what companies without integrity do. 

I expect Chase in good faith to fulfil their duty and obligations to investigate and notify the merchant of fraud, as well as local and federal authorities : They should determine what was purchased, identify how and who made transaction, how my credit card was able to be utilized, where was it used -- in-store or online, and advise both merchants XXXX XXXX and XXXX they must complete signature and card holder verification, which were obviously not done. 

Instead, they shrugged off their accountability and the merchants ' responsibility to just let me be the victim -- why did they not : 1 ) validate purchases 2 ) properly engage fraud detection, loss controls and risk management and XXXX ) fraud-proof their organization and allow others to be taken advantage of by the people who frequent their establishments.

Company response to consumer: Closed with explanation