Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
Chase is making me pay for unauthorized XXXX charges that I reported promptly in XX/XX/XXXX, that Chase initially credited, and that were later placed back on my account in XX/XX/XXXX. I have sent all evidence and several letters explaining my case, and Chase always comes back with the same resolution : items were delivered, therefore I am responsible for it. I did not place these orders, in fact XXXX deleted them from my account as they were fraudulent. My credit cards was changed also. The disputed transactions are : XXXX. XXXX XXXX XXXX Posted date : XX/XX/XXXX [ confirm exact date on statement ] XXXX charged : {$560.00} Description : XXXX fans I did not order the fans. The only item in that order that I recognize is socks for {$18.00}. I also tested a return of one fan and received an XXXX credit of {$17.00}. XXXX socks in the order {$18.00} These I ordered. XXXX still disputed for this order : {$520.00} XXXX. XXXX XXXX XXXX Posted date : XX/XX/XXXX [ confirm exact date on statement ] Amount charged to Chase : {$360.00} Additional XXXX XXXX card balance used : {$14.00} Description : tea tree oil products I did not order these products. In addition to the {$360.00} charged to my Chase card, this order also used {$14.00} of my XXXX gift card balance that was already on file. Total disputed amount for this order : {$370.00} Total amount disputed : {$900.00} The facts supporting my dispute are as follows : 1. I reported these charges as fraud immediately in XX/XX/XXXX. 2. Chase initially credited the disputed. 3. The charges were later placed back on my XX/XX/XXXX statement. 4. I did not authorize these purchases. 5. I would have returned the items immediately in XX/XX/XXXX to avoid all of this. However, once I reported the fraud, the disputed orders were removed from visibility in my XXXX account as the matter was allegedly under review, and I no longer had an order available to return. 6. Before the orders disappeared, while they were still visible in my XXXX account, I attempted to process a return and saw that the refund was not going back to my Chase card, but instead appeared to be directed to an unknown credit card. That irregularity is what confirmed to me that this was fraud or account compromise, not a purchase I had authorized. 7. As soon as I reported the fraud, the disputed XXXX orders were removed from visibility in my account as if the matter were under review. From that point forward, the orders could no longer be found in my order history, even when searched by order number, although I had preserved copies of the invoices. 8. XXXX later sent me a written response stating that I do not need to return the items, that I may donate them to a local charity, and that if my card was used without authorization, I should dispute the charges with my financial institution. XXXX did not state that I authorized these purchases.

Company response to consumer: Closed with explanation