Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 Reference Number : XXXX Dear Chase, I received the letter that Chase sent to the Consumer Financial Protection Bureau XXXX On XX/XX/2021 I was informed that I would have to pay for all transactions from the company XXXX. On XX/XX/2021 I wrote a letter telling you that I disagreed with the investigation and I wanted proof of the purchase and all documents from the investigation. I never received any documentation regarding the investigation until yesterday on XX/XX/2021 from the Consumer Financial Protection Bureaus website. Consumers have the right to dispute an investigation, within 10 days, and then you must communicate and provide documentation within 90 days. This was not done. This was way past the 90 days Chase had to investigate this matter. If I hadn't filed a complaint with the CFPB, I still wouldn't have this documentation. I let Chase know about this on XX/XX/2021. In fact, Chase has broken the law and has not followed the Fair Credit Billing Act. I will file another complaint with the Consumer Federal Protection Bureau regarding the above matter. Chase says they have proof of these transactions and that this is a legitimate company. Anyone can google a name and come up with my address and email account. Its a total joke. This is an illegitimate company. 

Regarding the disputed charges from XXXX. I disputed these charges and have never received anything from Chase even letting me know that you were investigating this company at all. I received one letter on XX/XX/2021 that said - The dispute has been resolved. I dont owe anything and that We credited your account for the full disputed dollar amount. You credited my account for 2 transactions of {$4.00}. When I disputed these charges I let Chase know that I was disputing all charges from XXXX in the months of XXXX and XXXX, not just 2 transactions for {$4.00}. Chase is also way past the 90 days in investigating this matter. I didn't even receive a letter within the 30 day period that this was being investigated at all. This has broken almost every single law that is included in the Fair Credit Billing Act. I will also be filing another complaint with the Consumer Federal Protection Bureau regarding this matter. I will be requesting that all of these matters be published to their website and to the Federal Trade Commission website. My attorney will also be contacting you. 

The bigger point to all of this is Chase did not follow timelines in either of these disputes, especially with the dispute regarding XXXX. Like I said earlier, consumers have the right to question an investigation and Chase has to respond. This was never done until I filed a complaint with a government agency. I suggest that you take all of these charges off of my account. Chase closed my account during a dispute and at this point I am totally fine with that. I will never have anything else to do with Chase. I will never pay these charges, so you can stop sending me emails, bills, and statements. The only communication I would like is for someone to acknowledge that this fax has been received. Please look forward to more complaints filed with the CFPB.

Company response to consumer: Closed with explanation