Consumer complaint received 2026-01-29 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: KY

Complaint narrative:
I reported fraudulent, gas station charges, and to the dispute team Chase credit card services. He could not find evidence that I ever made the charges. I am highly concerned, because thats not the only Chase credit card. Im having that problem line and I end up paying for everything thats fraudulent. Im not supposed to be liable for fraud. I am highly concerned because I lack trust in them, and I dont know if this gentleman was truly being helpful or just taking the documentation so he could now and search it on a formal record in their system on his end. I told him I wanted to dispute the XXXX charge because that payment shouldve went to it not the fraud then they could just throw that out right makes sense to me. He wouldnt do it. He said he was gon na make note of it so that what Im seeing and what theyre seeing are the same in the system. That scares me he said that I would see a credit within him one to two billing cycles. Thats not how its supposed to work. Im XXXX XXXX old almost XXXX and Ive had credit cards for over 20 years. Never in my life until this year have I been expected to actually pay for so much fraud. Fries supposed to be immediately returned not 1 to 2 billing cycle so youre waiting for me to pay off all my purchases then Im never gon na get a credit right. That would appear, but it appears to be going on. I believe I had a couple more on the statement before that as well. I need to know that theyre gon na address this and refund it and they need to do it promptly because I think thats the law. I know its part of my terms and service services and I have zero fraud liability. Yet Im being major to pay for fraud. How do you get purchases on your statement and then the very same company cant even see that you ever made that purchase and they still expect you to pay for it. Obviously someone is inserting these things on my statement or they would see the transaction and I wouldnt have to point it out they tried to look for it and can even find it. Its ridiculous and I need my money back I need it for all my Chase cards. Not just this one. Im paying for fraud. Im XXXX, I have children and grandbaby here. I need my money. This is cruel and heartless. Give me my money back making me wait one to two billing cycles is not appropriate its completely inappropriate. What will happen is. Ill pay for it all and Ill never get the credit. I think consumers need to beware and be aware. My second point that I need to make here is that my only purchase that I made on that credit card statement was a room at the XXXX house my statement used to end on the XXXX. They changed my statement end date to the XXXX  inserted all the fraudulent purchases made me pay for them and then the next cycle I had to start all over with the XXXX.I believe my payment was equivalent of XXXX or XXXX something like that but I definitely paid XXXX XXXX and then there were some rewards credits. It wouldve been completely appropriate to remove the fraudulent amounts from my balance and not leave them on there for me to pay for.. I mean literally right now my promise is itching and I wish it was the one that means youre getting money. It must be the one that means youre giving it away and Im ready for it to stop.

Company response to consumer: Closed with explanation