Consumer complaint received 2024-08-06 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: AL

Complaint narrative:
So in XXXX of 2023, I got a Chase Freedom Unlimited credit card and around that same time frame I have a credit repair company and had a referral about a client name XXXX and XXXX XXXX and I added them as authorized users on my XXXX XXXX cards which I had done with hundreds of clients and had no issues and I ended up finding out they were scammers and thieves and stole my identity and impersonated me to credit card companies and was able to obtain all my information ( SSN, Address, DOB ) all the information needed to verify my identity. They begin to compromise my my credit cards with XXXX, XXXX XXXX and Chase over the next XXXX months and it ruined my life and my credit score during the time. Luckily I was able to submit documentation ( police reports, travel requests from my job proving that I wasn't in the locations that was my card was being used at the time and XXXX XXXX and XXXX confirmed that it was fraud on my account and I had no issue. The XXXX suspects above have been arrested and charged with fraud. My issue is with Chase Bank as I submitted close to XXXX documents over XXXX months to prove my innocence and they refused to change the outcome of the investigation. I would call their fraud department weekly as having good credit was important and having XXXX of Unauthorized charges on a XXXX limit credit card isn't helpful to a score. My issue is every time I would call their fraud department would give me a different reason on why they would deny my case ( delayed in calling, charges with a merchant, products delivered to my address that I never received and list goes on, they need proof that other lenders like XXXX, said it was fraud. ) Which everything listed above I provided proof for ( Purchase history, phone records, documents from XXXX showing they approved my case. ) What Chase is doing is unethical and I tried for over a year to get this fixed and still no results. I am trying to qualify for a home for me and my wife in the next few months and I'll be unable to with a XXXX credit score cause of this cause they keep asking me to pay for something I am not responsible for and I refuse to do that when I have proven my innocence time and time again and I will submit the documentation and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) Chase needs to have this resolved and removed off of my credit report in the next few days. 

If you look at the documents attached you will see everything I sent from XXXX charges they claim I had on XX/XX/XXXX which you can see is not in my purchase history, XXXX charges that isn't in my account. You can see XXXX case results, You can see travel requests signed by my boss ( the mayor of XXXX ) on trips signed off where I wasn't in the areas that my card was used and you can see my hotel history showing I wasn't there either. Please help me resolve this.

Company response to consumer: Closed with explanation