Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am filing this complaintin regard to claim numberXXXX This merchant- XXXX XXXX XXXX XXXX  never delivered a product nor had my permission to input my card into ANY of their systems. I have proof of non- delivery. 
In accordance with the fair credit billing act I am requesting ALL information that the merchant provided such as proof of purchase, proof of delivery, invoice agreement, signed proof of delivery, invoice number XXXX. 
I did not sign for ANYTHING with this merchant and CHASE will be held liable for this just like XXXX XXXX is being held liable for things like this. 
I had text messages from the merchant of the sales person trying to schedule delivery with me after I reversed the payment they put on my account unauthorized. 
They would have had to manually do this as I never swiped my card!! The merchant advised that I would only be charged after delivery and in order to start the order that I would need to provide my card number BUT it would not be charged until delivery is complete. 
I would never authorize {$1000.00} without a receipt. I was never given or sent any receipts to confirmthat the merchant had already charged my account. 
After speaking with a XXXX customer service rep, it was confirmed that the merchant did not provide a receipt, a signed invoice, proof of delivery or credit card authorization form. Nothing of the sort. The merchant simply provided a text message screenshot. 
This is ridiculous as the text message does not tell the full story and has obviously been manipulated. If the merchant was indeed conducting proper business, they would have emailed a receiptupon charging my card and would be able to show that receipt. They would have solid proof of delivery with a signature from me describing what service and product that they provided. I clearly stated at the initiation of this claim that I provided my card number, however my card was not authorized to be charged. XXXX merchant that we are ready to provide card information in order to start the order does not constitute that the order was completed or that any product was provided or that the merchant has the permission to create a charge. 
It is unfortunate that the merchant has gone to this measure to manipulate a transaction that was never completed. I can assure you that they did not deliver. If they did they would have signed invoices, proof of delivery and receipts for the {$1000.00} transaction. My wife refused delivery. The merchant was over 5 hours late and showed up with defective products so they were sent away and my wife immediately emailed the office. No one from the office responded until after we discovered the charge on our account and made a claim with XXXX. 
After we made a claim the merchant started sending textmessages asking to complete the installationto which my wife did not respond. On XX/XX/XXXX, the merchant also responded to my wife 's email. This was a full week after my wife sent in an email on XX/XX/XXXX regarding her refusal and of delivery. I filed this claim on XX/XX/XXXX and reiterate that absolutely NO ONE from the merchants office responded or got in touch with either of us until they receivednotification of the claim. 
At this point XXXX is endorsing un - authorized activity on my account for a product that was never delivered.

Company response to consumer: Closed with explanation