JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Credit card protection / Debt protection New York

On -/-/16 a charge of $720.00 was processed on my - card by - -. This charge was totally illegal since I have no contract with - and they did not have my permission to use my card. I disputed the charge to Chase Bank, but they denied me a refund, saying that the debt to - - was legitimate. I appealed it and they again denied me. This is the situation. My employee 's mother had a contract with - -. Her daughter works for me in my small business. Since - of them do n't have checking accounts or credit cards my employee would often ask me if I would pay bills over the phone with my credit card and then she would reimburse me with cash. I had no objection to do this since it made things much more convenient for my employee and there should have been no risk on my part. Every time it was used, either I called it in personally or


later, on -/-/16 - - retrieved my credit card info from their old records and used it to charge the incredibly large amount of $720.00 without my permission to satisfy a debt my employees mother allegedly incurred. Apparently, both - and Chase have made the incorrect assumption that since I used my card to make some prior payments for someone else, I forever have assumed all current and future liability for that person 's account with -. That assumption is legally incorrect and I implored Chase to process a chargeback for $720.00. There is nothing in their cardmember agreement or civil law that backs up - - 's actions. I am not disputing whether or not the monies are owed by my employees mother or not but rather that they are billing me since it is not my liability. Since my exposure is to my credit card bank and I have no relationship with -, Chase bank is the only party I can pursue. I feel - giant conglomerates are in collusion to take my money even though I have no legal obligation to -. I probably will never be able to collect that money from my employees mother. This is a case of being powerless to big business.