Complaint Review: Chase Bank Freedom mastercard - Elgin Illinois

LETTER FROM CHASE with my comments : Dear Ms. Briggs: This letter is in response to our recent telephone conversation on January 5, 2011. I appreciate the opportunity to assist you on behalf of the Card Services Executive Office. Ms. Briggs, at your request,(ME: because you refused to speak to me when you learned I was recording the call, even tho you were also recording the call)  I am responding to you in writing. 

I understand that you have concerns regarding your fraud claim not being accepted on the above-referenced account ending in XXXX. I would like to share that your concerns have been reviewed extensively by the Executive Office and our Fraud Department. I regret that we are unable to accept your claim of fraud for the following reasons: • The account ending in XXXX was closed on August 1, 2010, when you advised us   (ME: Incorrect. Chase Fraud Dept. called me due to a huge increase in charges on this card. But they did not call until over $2,000.00 in fraudulent charges were made. I have yet to receive an explanation of why it took Chase Fraud Dept. so long to contact me and alert me of the many  charges on this previously seldom used card. I would very much like to have this answer, but there was no reference to this issue this letter although I have asked many times.). that most of the transactions made from June 10, 2010 through July 13, 2010 were fraudulent (ME: Incorrect dates. Fraud charges were from 6/13/10-8/1/2010 ) In your conversation with our Fraud Department on August 10, 2010, you stated that Mr. C.  took the credit card and used it without your knowledge. (ME: Correct.) 

 You advised us that Mr.C. was authorized to use all of your accounts, except for the Chase account. (ME: This is completely false. At no time did Mr C have access to all my accounts, which can easily be proven, so I could not possibly have said this).

However, you confirmed that the charges made on July 13, 2010, were for his broken window.   (ME: Untrue. He never had a broken window in his home or vehicle, so I could not possibly have said this. The fraudulent charges on 7/13/2010 were for alcohol, dry cleaning and office supplies. There is no charge for a broken window. No wonder I feel I need to record any calls I get from Chase.)

ln reviewing the e-mails you sent us, you stated to Mr. C. that you did not want him to continue to use the card,  (ME: Proof he no longer had authorization to use the WF visa he had previously been authorized to use and that he was not authorized to use any other card as the email states I could not afford any more charges.) and to let you know so that you could cancel the account without inconveniencing him.  (ME: The WF visa was cancelled the same day as the email, and the same day as Mr. C emailed me he agreed to no longer make charges on my credit card.)  

You stated that you would be sending him the statements for what he charged on the account. This indicates that you knew Mr. C was using the account     (ME: The Wells Fargo account, not the Chase acct. I have submitted to Chase multiple pages of proof of this, so Chase is well aware  it was the WF visa he was using and it was the WF Visa I was referring to in my email to Mr. C)  and that he used it to pay for his lawyer.   (ME: This is a nonsequitur.)   

 You also indicated that you would send Mr. Chappell a check for the lawyer, instead of using the card.   (ME: More proof  he was not authorized to make further charges to me. The check was to be for no more than $2,000.00, certainly not the $8,000.00 fraudulently charged to my Chase acct. No bankruptcy costs this much and you are ignoring that he made many many other charges including charges for his interlock device for convicted drunk drivers, gas and many charges at the liquor store which has nothing to do with any bankruptcy.)   

Our Fraud Department contacted the Bankruptcy Attorney’s office, and it was confirmed that this account was used with your authorization for his client to make a payment with the account.  (ME: How could the atty's office possibly know If I had authorized use of the Chase card as I certainly was not there when it was used. I also called the atty the day after I received the call from Chase Fraud dept (Monday Aug 2, 2010) and informed him that I had NOT authorized use of my card, as well I notified the local police of the theft of my card. All this information Chase has in their possession.)

On August 18, 2010, we had advised you that transactions in question were re—bilIed to the account.   (ME: How did you advise me? I never got a call, a letter or an email. Just the bill with all fraudulent charges posted to me.) They posted to the account on August 19, 2010. • On December 7, 2010, the account ending in YYYY was closed, when you advised us that the card was missing,  (ME: A total lie. The acct. was closed due to continuing recurrent fraudulent charges that Chase allowed to go thru to the new card, so Chase called me and said it would be easier for them if they reissued me a new card.)  

As a result, a new account number ending in ZZZZ was established. Chase Bank USA, N.A. · Card Services                 (ME:  As anyone can see Chase is charging me for these fraudulent charges because they know they cannot get the money from Mr.C as he is filing bankruptcy. So regardless of the facts, Chase is billing me. I have paid all these charges. I am an elderly woman on a fixed income and this unfair, illegal action on Chase's part has greatly impacted by retirement, my health and emotional state.