Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit 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:
I contacted Chase in early XXXX about a service I had purchased online. I was contacted at home by telephone by the senior manager of XXXX to upgrade from the premium service to the VIP plan which is exclusive and for elites. This company is a matrimonial service not a dating website like we have here in XXXX. I am from XXXX in my culture marriage and family is of significant importance, we currently have the lowest divorce rate in the world. With the XXXX XXXX  scattered worldwide we use different matrimonial services to connect with other XXXX. Its a serious thing. Im divorced with no kids and this sales manager said he works specifically with older adults who are divorced. Im XXXX and not meeting men here. So he told me he will guarantee to have me on the way to marriage in six months and to buy a six month package. I said ok. The package cost {$1700.00} it was very expensive. Within three days on the site I asked for a full refund by the third day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first match she suggested wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He said he wants a pre nup with the women signing an unfair contract to walk away with nothing in a divorce and lastly that he will only provide a roof on her head and basic food. Shes responsible for everything else from her separate bank account. I described myself as lavish, high maintenance and into cosmetics and enhancements to stay young. Its insulting to even receive these kind of matches. I was so shocked I contacted the senior sales manager and demanded a refund. He completely ignored me and did not respond. I went back to the relationship manager and asked her what criteria they use to match people and she told me they look at my physical preferences of a partner they dont even read profiles to suggest a viable match. In other words what they are doing is filtering out things and conducting a basic search which is something I dont even need membership of any kind for I can use their free basic membership. This program is a romance scam taking a lot of money for nothing. I started doing research and found that thousands of people had fallen for these scams worldwide these are readily available on the XXXX XXXX underneath the app or on a XXXX search. I contacted Chase a week after I did the charge and asked them for a chargeback. I spoke to XXXX. He assured me that they would refund me because given the circumstances Im protected by consumer law. A few days later I faxed and mailed a letter certified mail to Chase. I never heard from Chase about 30 days after I called them and they said they are still investigating. Today I received a call with a denial the reason being that I tried the service so Im ineligible. 

The first question I have is how would I know its false advertising from XXXX and a breech of contract without trying the service? I would have to try it in order to know not receiving anything close to what I was told Im paying for. 


Consumer Law according to the FTC protects customers from false advertising and deceptive sales and from a breech of contract and thats exactly what this is. Look at the reviews on this program and it will lend credence to my claim. I asked for my money in a timely manner and reported it to Chase in a timely manner. 

This situation has made it impossible to buy XXXXXXXX XXXX or celebrate my moms birthday because {$1700.00} was tied up in dispute. They took all the money yesterday

Company response to consumer: Closed with explanation