Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5487572
Complaint Overview
Complaint ID: 5487572
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Louisiana
ZIP Code: 70123
Date Received: 2022-04-23T12:00:00-05:00
Date Sent to Company: 2022-04-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXX, XXXX a fraudulent charge of {$2200.00} was made on our Chase XXXX XXXX account ending in XXXX. The charge was for XXXX XXXX. My wife and I became aware of the charge several days later and contacted Chase. Chase cancelled the card and issued a new one ending in XXXX. Chase opened a fraud investigation into the matter. All seemed well until XX/XX/XXXX when the fraudulent charge was reinstated by Chase on the new account for the XXXX This was very alarming as we did not make the purchase nor have we used XXXX XXXX in recent years. When contacted, Chase guided us to Fraud Recovery and the employee indicated that the investigation did indeed show I made the purchase. When asked for proof they could or would NOT produce it. I took the matter up to management level and they reopened the investigation whereupon we were informed that they reinstated the charge a second time as I did make it. I confronted them again and they have been evasive and uncooperative and again failed to produce any evidence of the charge saying they couldn't reach XXXX. Surprising as I did relatively easily and XXXX opened a fraud investigation and could not find evidence that I made the purchase. On XX/XX/XXXX after heated discussions, a representative contacted me saying that we would be credited for the amount but a two search search of our statement shows the charge is still there. We are angered and dismayed as we did NOT make the purchase and further have no evidence of any kind on our end that we ever purchased anything from XXXX in the last few years. How can I prove a negative? Per FTC guidance we did send a certified letter to Chase demanding their proof. We await their response.
Frequently Asked Questions
What is Complaint #5487572 about?
Complaint #5487572 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-04-23T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.