Consumer complaint received 2025-01-05 00:00:00
Product: Credit 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: WA

Complaint narrative:
I provided JP morgan Chase with extensive evidence that I was a victim of a scam. Chase 's own fraud department agreed that I was a victim of a scam, but claimed scams were not covered under their fraud protection. I then took my issue up with the dispute department, and they ruled in favor of the merchant. Below is the timeline of events, and I can provide the documents mentioned as needed. 

Overview : The merchant ( aka XXXX XXXX ) is attempting to defraud me by hacking into XXXX 's XXXX account and using it to lure victims to his website ( XXXX XXXX XXXX ). After I attempted to purchase an item, the merchant ( XXXX XXXX ) provided a fraudulent tracking number using the shipping information I provided at checkout. Instead of sending the item, the merchant ( XXXX XXXX ) re-listed the item and repeats the scam on other buyers. I attempted to alert Chase to this scam on XXXX XXXX as soon as I was made aware. 

XX/XX/year> Introduction : I found this item on XXXX from what I believed to be a trustworthy seller at the time. The seller 's name is XXXX. 

XXXX XXXX : In the XXXX listing there was a link to the website " XXXX XXXX XXXX ''. 

Attempted purchase : I attempted to purchase the item through " XXXX ''. At the time, I believed this to be a trustworthy site. 

Message to Merchant : I corresponded with " XXXX '' through XXXX in the document labeled " Document A ''. 

XXXX XXXX XXXX : XXXX emailed to notify me that the account " XXXX '' had been hacked. See attached " Document B '' for documentation. 

Realization : In the XXXX report, XXXX warns that this seller is fraudulent in the first paragraph : " Our records show that you recently contacted or received messages from XXXX through XXXX 's messaging system. This account was recently found to have been accessed by an unauthorized third party, who may have used the account in an attempt to defraud other members. '' Report Fraud to Chase : I immediately contacted Chase to report fraud -- per my phone call on XX/XX/XXXX. 

Report Fraud to XXXX : Attached is the document labeled " Document C '' with the certification number for the item being disputed highlighted in red. 

XX/XX/year> : XXXX provides documentation The merchant ( XXXX XXXX ) provided a tracking number to XXXX as documentation for completing the transaction. This tracking number is fraudulent. 

XX/XX/year> : Proof of XXXX Fraud Proof of fraudulent tracking number : The item is still for sale on the merchant 's website. Please see attached documentation labeled " '' Document D '' ''. Note the time stamp of XX/XX/year> in the upper right corner, the website URL at the top, as well as the highlighted certification number of the item. '' Explanation : If you compare the certification number for the item on the merchants website ( " '' Document D '' '' ) to the certification number for the item I am disputing ( " '' Document C '' '' ), they match perfectly ; Both read " '' XXXX. '' '' These certification numbers are like social security numbers : they are unique to each item. No XXXX items have the same certification number. Therefore the merchant ( XXXX XXXX ) never sent me the item and instead re-listed the item on their website. I never received the item. '' Conclusion : There is exactly XXXX comic book in the world with the certification number " XXXX '', and it is currently listed for sale by the merchant ( XXXX XXXX ) on the merchant 's website ( XXXX XXXX XXXX ). Therefore this charge is fraudulent. I do not have the item and based on these facts the charge of {$11000.00} should be removed from my Chase account and bill. 

XX/XX/year> : Call from Chase Fraud Department The Chase fraud department concluded that I was a victim of a scam. However, chase said that I was not covered under their fraud protection. 

XX/XX/year> : Chase 's own advice Chase 's own website advises customers to use credit cards to help protect against possible scams. In Document E, Chase says " Where possible use your credit or debit card which offers protection features that may not be there if you pay by other means. '' I followed Chase 's own advice. 

XXXX XXXX : Chase ruled in favor of merchant Chase asked the merchant if there was an mistake in the billing. The merchant ( XXXX XXXX ) claimed that there was no mistake in the billing. The merchant ( XXXX shop ) has since deleted the entire website that was used to scam me.

Company response to consumer: Closed with explanation