Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase is engaging in predatory practices in failing to credit payments against my credit card account in a timely manner and in not crediting the card for merchandize that was ordered, lost in transit, cancelled and not received. I have spoken to it about these problems to no avail. In the course of these illicit denials of credits on the account, that total nearly $ XXXX ( {$5900.00} ), Chase has falsely claimed that I am over the credit limit for the card and has probably degraded my credit score as a result. In addition to these problems, for many months now, Chase online banking frequently has not been available, in whole or for particular functions, unpredictably, so much so that it is impossible to get up-to-date, accurate information from it, reliably, or to make payments in a timely manner, often. Similarly, the confusion created by its website has also resulted in frequent over payments that Chase then refuses to refund, including double payments made in a short period of time. 

Around XX/XX/2023, I noticed that a XXXX XXXX company, XXXX XXXX XXXX, was advertising 2-day delivery on items ordered from its website. This proved to be false, misleading and deceptive advertising to increase sales, that Chase and the merchant now want to force me to pay {$960.00} for. After I placed an online order by or some time before XXXX XXXX, long-after the alleged XXXX delivery date, I got a call from the merchant claiming that they needed to verify information on the order already provided, in writing, through its website. When more time passed beyond the advertised delivery date, I called the merchant again to indicate that the items had not been delivered as advertised, by XXXX XXXX. At that time, the person I spoke to changed the original order number ( XXXX, placed through their website ) to a second order number, XXXX. The second order, under the new order number, also failed to arrive in the same 2-day advertised period. At one point, the merchant claimed that it had delivered the items, but the postmaster where it was to be delivered denied that any delivery was made. ( There is some indication that the XXXX center in XXXX, MD, habitually falsifies delivery dates without consequence and has for many years. ) At that point, around XX/XX/XXXX, I spoke again to the merchant and told them that the shipment was lost in transit, I never received it, and, furthermore, I no longer wanted the order since I had been repeatedly lied to by XXXX XXXXXXXX XXXX. When I spoke to the merchant, I told the man I spoke to, to cancel the order. Several days later, on XX/XX/2023, I got an email from the dishonest merchant indicating that the second order number had shipped. I immediately responded via email indicating that the order had been cancelled, the merchant did not have my permission to abuse my credit card in its bait and switch game, and I repeated what the merchant had been told days previously. 

Around XXXX XXXX, I called Chase to alert them to the problem and told them that there should be no charge on this credit card from this dishonest merchant. At that time, Chase claimed that there was no charge from them and that therefore, it would do nothing about it. This is not the first time, I have alerted Chase to an ongoing problem to try to defuse it before it becomes a larger problem, and Chase always refuses to take any effective, prophylactic action on it. Chase more typically tries to cram illicit charges down the throats of card holders for specious, petty reasons, as it is attempting to now. However, the errant charge now is showing to have posted on XXXX XXXX. Please listen to the recording for this conversation, as it is clear that Chase does nothing to prevent these kinds of problems from occurring or snowballing and may even lie about posting dates so that it can avoid issuing credits for illicit charges. 

Concerning payments to Chase, recently I made an electronic payment to this credit card for {$4900.00} from my JP Morgan checking account through online bankings bill payment system. However, the date of the payment was changed from a few days ago to XXXX XXXX, ensuring that the payment was not made. Around the same time, the illicit charge from XXXX XXXX XXXX posted, despite my warning to Chase, on XXXX XXXX.

Company response to consumer: In progress