Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This pertains to my previous complaint, with ID # XXXX. All documents from that complaint are relevant to this one as well. To paraphrase : last XXXX I was cornered by three men in a XXXX parking lot while alone at night. They intimidated into handing over my credit card for a {$10.00} " donation '', which I only agreed to because I was afraid for my personal safety. They also took my phone for purposes I did not learn about until much later ; it was months before Chase let me know that my phone had been used to authorize the transaction. Minutes after this happened, I saw that my card had instead been charged for {$5000.00} and I immediately called the Chase fraud line and told them what happened, asked for my card to be locked, and asked for the transaction to be canceled. I've since obtained a police report which I submitted to Chase and followed up multiple times with their fraud and disputes department, but I have made no headway. To this day, I have not gotten a clear answer on how they conducted their investigation into my claim or why they believe that the charge was valid.

I firmly Chase was negligent in how they have handled my case and that they have violated my rights as a consumer by not properly assessing or investigating the {$5000.00} scam transaction that was charged to my card. Prior to this event, I had an excellent credit history with a credit score over XXXX. I almost never used the credit card in question, as I have another card with Chase that has a much higher limit and better rewards on purchases - in fact, I had used the other card minutes prior to the event to purchase groceries. The fact that I immediately called the fraud line to tell them what happened and lock my card should have set off red flags as well. I have followed up on this matter over half a dozen times in several different ways, and I have followed what I knew to be the proper procedure and always did what I was told to do by Chase representatives. I do not understand why, given all this, the transaction was not deemed suspicious enough to warrant extra attention. Instead, throughout this entire process, I have felt gaslit by Chase into thinking that it was my fault for being robbed while cornered and scared.

In addition, the details of my case match a known scam tactic in XXXX. Multiple articles have been published in reputable journals and newspapers about this scam tactic, and I have been in contact with a journalist who has written about it in the past and is looking to cover it more in the future. A XXXX police officer I talked to said that the scammers create single-use merchant profiles in order to run these scams- this is backed up by the fact that the merchant name on my scam transaction ( XXXX XXXX XXXX XXXX XXXX ) does not return any results on online search engines. I have talked to multiple people who have been victims of this scam who reported the same thing despite different merchant names.

Considering all of these factors, with all evidence ( circumstantial and otherwise ) pointing towards this transaction being extremely suspicious, I do not think Chase has done their due diligence in handling my case. I would like clear answers on how they conducted their investigation, why they deemed the charge to be valid and unsuspicious, and why the money was sent in the first place considering how quickly I called the fraud line to warn them about this.

Company response to consumer: Closed with explanation