Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
I am writing to complain about the horrendous treatment I have received from Chase bank regarding a credit card that I attempted to close last year.

I disputed 2 XXXX purchases with Chase. One of them occurred on XX/XX/XXXX, for {$100.00}. I purchased 2 boxes, each containing 15 bags of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX Bags. These chips were old, they were of poor quality, and they caused me to have stomach pain after I finished one of the bags. I attempted to get a refund for these chips, but XXXX refused to give me my money back, because they said that I needed to provide them with a doctors note in order to prove that I had stomach problems from eating the chips. The other transaction occurred on XX/XX/XXXX, for {$100.00}. I purchased 7 different jars of XXXX from a brand called XXXX. These jars of XXXX were the absolute worst rip-off Ive ever experienced from XXXX. Each one was supposed to be a different flavor and a different color and texture, but they were all the same, they were all of terrible quality, and they all had terrible taste. Again, XXXX refused to refund me for this purchase. I tried to dispute both transactions with Chase, but they found in favor of XXXX. Since Chase had refused to refund me for these 2 purchases, I decided to close my Chase credit card account ending in XXXX. Before closing my account, however ; I decided to pay off the remaining balance on XX/XX/XXXX, minus these two purchases ( which totaled {$200.00} ). The payment I made was for {$760.00}, leaving me with a balance of {$200.00}. Since XX/XX/XXXX, this account has been accruing a massive amount of interest charges and late fees, and the balance has now reached a whopping {$560.00}. It also appears that there was a transaction made by XXXX on XX/XX/XXXX for {$28.00} on this account, that I closed in XXXX of last year. Somehow, there are still purchases being made on a card that was closed almost a year ago, and both XXXX and Chase are doing nothing to stop this. Chase has been harassing me almost every single weekday with phone calls asking me to pay off the balance. I decided today XX/XX/XXXX to call them and see if they would be willing to make things right with me, but they are again refusing to refund me the money for these purchases, and they are still demanding that I pay the late fees and interest charges that total {$350.00}, which is absolute thievery. I asked the person on the phone in the disputes department to connect me with a supervisor, and after a long 20-minute hold, they just hung up. Ive never seen a credit card company try to steal this much money from a person, and Chase in particular has shown XXXX regard for my satisfaction as a customer. This is unacceptable from Chase bank. I will not pay them this amount, which is unfair and disgusting in my opinion.

Company response to consumer: Closed with monetary relief