Consumer complaint received 2018-08-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
Purchase Date Of XXXX XXXX  Services : XX/XX/2018 Cost : {$3700.00} First scheduled appointment for XXXX XXXX Procedure : XX/XX/18 My complaint is towards the owner of XXXX, XXXX XXXX  XXXX. XXXX falsified information & made guarantees that are not true stating that a XXXX XXXX procedure would regrow the XXXX in my XXXX XXXX and would repair the XXXX in my XXXX XXXX and XXXX the XXXX on XXXX XXXX. I felt he made these statements to close a business sale with me. More, XXXX XXXX XXXXXXXX sold me a XXXX XXXX treatment and did not have his doctor or nurse prepare a XXXX XXXX treatment for me. After the purchase of what XXXX called a XXXX XXXX treatment XXXX XXXX XXXXXXXX changed my procedure and told me that they were going to perform a XXXX procedure instead of the XXXX XXXX. That is not what I wanted and XXXX new this. You will see this on his XXXX text to me, XXXX. For this reason I want a complete refund. 
Now I am having a problem having my money returned back to me. 

I have recorded proof on both text & audio located on my XXXX. 
With that said, I visited another company in the same type of business for a second opinion. I scheduled a consultation with a company by the name of XXXX, XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. 
During my Consultation at XXXX I explained to the Senior Counselor XXXX XXXX that the nurse at XXXX had taken XXXX of XXXX   from the XXXX XXXX XXXX XXXX to prepare my XXXX XXXX  procedure, the Senior Counselor Immediately stated that is not how a XXXX XXXX procedure is prepared more, XXXX XXXX are not removed from the XXXX, but can only be removed from the XXXX XXXXXXXX & XXXX of the XXXX XXXX. 
( I also have this information recorded on audio located on my XXXX that I can send to you ) I further Informed the Senior Counselor at XXXX that the following day the doctor XXXX XXXX under the XXXX of my XXXX and back into my XXXX. I was told that I would have to wait at least three months to see results from this procedure. I did not return to XXXX ever to continue and finish the procedures that I paid for. XXXX XXXX Senior Counselor at XXXX reconfirmed that I did not receive a XXXX XXXX Treatment. 

With that said, I made attempts to contact XXXX XXXX XXXXXXXX by phone & I did not receive a response. I then contacted Chase Bank 's Disputes Department. I filled out the dispute forms & returned the forms by US mail. I contacted Chase Dispute department, the Dispute Rep. stated the paperwork will take about 10-12 days to reach the dispute department & be scanned into their system & they would contact me further if necessary. I received a letter over a month later stating more documentation was needed to support my claim. I sent in more supporting documents by US mail & followed up with a couple of phone calls two weeks later. I spoke with the dispute department Rep. & the Rep. stated they did not have my supporting documentation for my claim. I contacted the Chase Disputes department two days later, spoke with the Chase Dispute Rep. and the Rep. stated they had received my documentation and further informed me that my dispute had been close based on the length of time. I asked who was the authority that would make that decesion and what is the statue of limitations that enables my dispute to be dismissed? The Rep. was unable to answer my question and stated that I could request to have my claim reopened by fax & by US mail. The following day I sent a request by US mail to have the dispute reopened. Two weeks later I followed up with a phone call and was notified over the phone that my request was denied. The following day I visited Chase Bank on the corner of XXXX XXXX XXXX XXXX XXXX on XXXX XXXX Fl.. At that time I faxed a second request from Chase Bank to Chase Dispute Department requesting the Dispute Department to again reopen my dispute & review the supporting evidence of my claim. I followed up with a phone call with Chase disputes department the following week & asked about the reopening of my claim. I was informed that my claimed was denied a second time for the same reason based on that too much time had passed.

When I was sending supporting documents via US mail to support my claim to the Chase disputes department I had spoke with their disputes department multiple times with different representatives checking to see if the disputes department had received the information by US mail and re confirming that that there was in fact ample time for the disputes department to review the facts that supported my claim. During every phone call the disputes department had confirmed that their was ample time & I had no reason to concerned about time. I further informed the Chase Dispute department that I had recorded the conversation at XXXX with XXXX XXXX XXXXXXXX and I had a witness with me at the time XXXX XXXX. More I was prepared to provide both recordings that I gathered at XXXX with XXXXXXXX XXXX XXXXXXXX and the recording I had gathered at XXXX with the Senior Counselor XXXX XXXX. 

With that being said, at this time I am still prepared to provide Chase Disputes Department as well as the Consumer Financial Protection Bureau with this  information. 

Note, I am not able to upload the proof of recorded files. What I have done is place both consultations of XXXX & XXXX on XXXX to provide more difinitive proof. Please review both links to supported my claim. Copy/paste links below in the address bar to review information. 

Consultation with XXXX at XXXX : XXXX XXXX XXXX XXXX Consultation with XXXX at XXXX : XXXX XXXX XXXX XXXX Thank you Respectfully Submitted, Owner

Company response to consumer: Closed with explanation