Hello all,
In August, five transactions totaling $2,780.87 were charged to my Chase credit card for concert tickets for the Backstreet Boys in Las Vegas.
I discovered the transactions after receiving fraud alerts from Chase and then noticing the email alerts were being deleted. I also ran a Malwarebytes scan on my Windows computer because I became concerned that my email/computer had been compromised. The scan located and quarantined threats Trojan.RenpyLoader and Trojan.HijackLoader.
I immediately contacted Chase to report the transactions. I also contacted both Vivid Seats and Viagogo that same evening.
There are several other pieces of evidence that I provided to Chase:
- My email account had suspicious activity around the same timeframe, and emails relating to the transactions/fraud alerts had been deleted.
- I changed my email password and added additional security measures after discovering the issue.
- The billing address submitted with the Vivid Seats purchases was not the billing address associated with my Chase account.
- My Viagogo account contained a phone number that does not belong to me.
- I was in Houston, Texas rather than Las Vegas. I have records documenting my presence in Houston around the relevant timeframe.
- I have records of my calls to Chase, Vivid Seats, and Viagogo.
- Vivid Seats and Viagogo have their own transaction/order records that I have preserved.
Chase initially provided provisional credit, but later reversed it and put the charges back on my account without contacting me or asking me for any type of evidence.
I contacted Chase, filed a complaint that I was never contacted. They then called me with an email to send the evidence to. I provided Chase with additional evidence and asked them to review the matter again.
Chase previously told me that an IP address associated with the activity was located in Houston. I explained to them that an IP address and use of my email address doesn't necessarily establish that I personally authorized the transactions, particularly because I was reporting a email/computer compromise during the same timeframe.
Chase denied the claim again.
It then says that the transaction will remain on my account balance and that I am responsible for paying it. The letter does not explain what specific evidence Chase relied upon to conclude that I personally authorized the transactions.
I'm considering Texas Justice Court/small claims court for the $2,780.87. I can provide documentation of the transactions, Chase's denial letter, the malware scan, merchant correspondence, call records, and other evidence if necessary.
Side note: I understand that my occupation is not direct evidence that the transactions were unauthorized, but I am a State Police Officer and I was in Houston during the relevant concert dates. What would be my purpose behind purchasing 7 Backstreet boy tickets for a city I wasn't even in?
I recognize that simply being in Houston doesn't technically prove that I didn't authorize someone else to purchase tickets for me. However, I find it significant that there were multiple tickets purchased for an event in a city I was not visiting, and I have no connection to or reason to attend that event.