Consumer complaint received 2023-08-19
Company: JPMORGAN CHASE & CO.
State: NC
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 formally request that my dispute, referenced as Claim XXXX, be properly addressed and be re-opened by Chase Credit Cards . It has come to my attention that there have been certain issues regarding the handling of my dispute, which I believe require clarification and resolution. The dispute has been rejected twice although I have provided chase proof of cancelled transaction, lack of provided services, and lack of quality from the merchant. 
On XX/XX/2023 I saw the advertisement for XXXX XXXX XXXX ( XXXX ) on my mobile device and was initially convinced by the merchant 's selling agent about the potential benefits of the service. As a realtor, the proposition seemed appealing, and I proceeded with the purchase, paying a one-time fee of {$2400.00}. However, upon commencing the training the following day ( XX/XX/XXXX ), I realized that the billboard feature was simply a digital image generator with limited customization options, and the overall website lacked the desired level of professionalism, concluding with " XXXX '' in the domain name. Furthermore, the promised assistance from agents in generating leads turned out to be automated bots, and I was instructed to rely on my own efforts to create links on social media platforms. I made multiple attempts to reach out for cancellation through phone calls and emails on the day following the payment, totaling at least four attempts. Despite my earnest request for cancellation, my appeals were denied, and I was informed that the refund could only be processed after a holding period of 12 months, as stipulated in the agreement. One specific concern that arises from this experience is the discrepancy between the services described by the selling agent and the actual offerings provided. Notably, I recall mentioning access to XXXX, a platform that appears to perform similar functions, but the agent assured me that XXXX XXXX XXXX XXXX were distinct and supplemented by agent assistance. Regrettably, my experience revealed a significant disparity between these representations and the reality of the service. To compound my dissatisfaction, upon conducting further research, I discovered a pattern of concerns regarding the quality of leads and instances of purportedly fake leads on the XXXX XXXX XXXX ( XXXX ) website. 

Primarily, I wish to highlight that I have not received any communication from the Chase team regarding the requisite documentation for this dispute. Furthermore, I observed a credit in my account statement, which seemed to suggest that the matter had been concluded. However, I believe this was premature, as I had not been properly informed or engaged throughout the dispute process. 
In addition, I have recently received supporting documentation from XXXX XXXX, which sheds light on my utilization of their services. It is important to note that my engagement with their services commenced immediately following my subscription. Regrettably, my experience exposed me to a significant disparity between the advertised quality of services and the actual provision. My contentions in this claim pertain to two key aspects : 1. Termination and undeliverable Services : I wish to emphasize that I have promptly terminated the services, substantiated by a record of email correspondence. This action was taken subsequent to my dissatisfaction with the quality of services rendered. Also, since the credit card charge back, my services were terminated from months ago. So there is no case that I have ever used the merchant 's services. The attached documents is also showing that since my profile was incomplete, no leads were provided, and thus services not rendered. 
2. Discrepancy in Advertised Services : The promotional material conveyed a commitment to high-caliber website design and collaborative human-led lead generation. Contrary to these representations, the delivered services featured a substandard website interface and an automated bot-driven lead generation process. The services rendered did not align with the assurances provided. 
Furthermore, it is pertinent to mention that, as part of a training module reaching a reported completion of 75 %, I created a personal website. I would like to assert that I did not revisit the platform after the initial interaction. In order to verify my limited engagement, I kindly request that activity logs or login records be presented. 

I affirm that I intentionally refrained from completing the module to express my lack of interest in availing their lead generation services. It is regrettable that I am unable to remove the website and platform from my profile, despite my inclination to do so. 
It is my understanding that under federal law, customers are afforded the right to cancel services within a three-day window. I wish to emphasize that I exercised this right on multiple occasions, substantiated by documented email correspondence as well as recorded telephonic communications. In light of the aforementioned circumstances, I am resolute in my decision to discontinue any further association with XXXX XXXX. The corroborative evidence presented through XXXX XXXX reviews underscores my concerns regarding their credibility and ethical practices. 
I humbly implore your earnest consideration of the facts presented herein. It is my genuine hope that this matter can be satisfactorily resolved in a fair and expeditious manner. Your understanding and prompt attention to this dispute are greatly appreciated. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation