Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid 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: NV

Complaint narrative:
On XX/XX/XXXX I purchased a service from a company called XXXX XXXX for XXXX to recover funds from a XXXX scam that I was the victim of. I was skeptical they would be able to recover my funds but they assured me that they were very good at what they did and they had the ability to track the XXXX transactions and would be able to recover my funds, which amounted to over {$100000.00}. I was Not sure how they would be able to recover my funds from the perpetrators who were overseas, but they assured me they had attorneys in XXXX, XXXX, and the XXXX where these crimes typically occurred. I was desperate to have my funds recovered and decided that a I would trust that they had the ability to recover my funds and since they had a merchant account I could always recover my funds if this turned out to be a scam. Unfortunately, this turned out to be a scam and my CC company has sided with this scammer who runs XXXX XXXX in spite of the overwhelming evidence that this is a SCAM!! Not only did they ignore the scam and side with the merchant for the full {$10000.00} amount, they chose to ignore an invoice for {$6400.00}. It's Unbelievable!!! They actually said too much time has passed to even consider the invoice. I still request that the full {$10000.00} be refunded due to the fact that this is a scam ; however, I wanted to show that the CC company is being extremely negligent in its duty to investigate my dispute. The reason they sent me the reduced invoice was because I questioned the merchant regarding their practice whereby they have you fill out a form after the completion of their XXXX  tracing to bring to your local Police Department. This seemed odd that they would have you go to local Police Department to help solve an overseas crime. I did go to the local Police Department on XX/XX/XXXX with the forms XXXX XXXX provided and explained that I was the victim of property theft and needed to file a formal complaint. The clerk was confused and it took some convincing but she said that she would notify the detective and for me to have a seat. after a long 1 hour wait the detective came out and stated to me that he was sorry but that he was sure that this XXXX XXXX service was a scam. He reviewed there materials and noticed there was no company logo at the bottom of each sheet that explained there services and that many grammatical errors were evident that raised a red flag as to the legitimacy of this company. I assured him this was Not a scam an that I wanted him to talk to XXXX XXXX who was the owner of XXXX XXXX. He reluctantly agreed and spoke with him. After he got off the phone with XXXX, the Officer said he was Not at all interested in his claims that he worked for the CIA in XXXX and that he was a private investigator. He stated anyone can make claims regarding their legitimacy over the phone. The officer also stated that there is no way that a local Police Department would get involved in an overseas crime and that this would be a matter for the FBI, I realized at this point that I had been the victim of a scam. Feeling dejected I went back to work. about on hour after I returned to work I got a surprise phone call from the Officer I had been working with. He stated that he felt the need to take a look into XXXX XXXX and sid that he discovered there was no XXXX XXXX the had PI number with the state of Utah. The only thing he came up with were 2 plumbing and one electrician license number under that name. He also stated that he looked up the companies address and it led to a strip mall in Washington DC, which confirmed to him that this company was a fraud. I figured ok, I have enough evidence to prove this was a scam and get my funds returned to me form my CC company. Unfortunately, that did Not happen!! I actually set them text messages from XXXX XXXX, the owner of XXXX XXXX  where he admits to talking to the Police Officer and states that they have this problem with the local Police Departments all the time. Well duhhh, that's because local Police Departments don't handle overseas crimes!! Anyway, as part of the back and forth text messaging, XXXX finally says " Whatever, do you want a refund? '' I said : " Yes ''. That's it end of story. I sent my CC company a copy of the text and thought for sure they would refund me the XXXX ...... Nope!! I figured ok, at least I could get it down to the {$6400.00} invoice, which I received the day after XXXX asked me if I wanted a refund. Apparently this was his idea of a refund. When they emailed me to ask if I accepted the refune I explained I felt I was entitled to a full refund ot the {$10000.00} as this was a scam and No one ever got there funds recovered from this system of using local Police departments. They claimed they had a 90 % success rate from this system, which is an absolute fabrication. All of this evidence was presented to the Chase CC dispute department on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently with the invoice evidence on XX/XX/XXXX. Documentation is available upon request ..... Please help!! BTW, you will notice that XXXX Blames the Police Departments and the Officer for Not knowing anything about Cryoto scams .... that'a the point!!! they don't it's for the FBI. Soooo obvious this is a scam!!

Company response to consumer: Closed with explanation