Consumer complaint received 2022-02-14
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:
On XX/XX/21 I paid XXXX XXXX {$300.00} for XXXX training sessions for my XXXX dogs. XXXX XXXX advertised non-aggressive, humane and a kind training approach. At the training session, the trainer told me to growl at my dog, spray him in the face with water, shut doors in his face and use choke chain to train him. They even left me with a spray bottle and choke chain with the XXXX XXXX logo on it. The trainer did not even look at my other XXXX dogs that I paid for. The trainer was also very hostile toward me and near the end of the XXXX training session made aggressive XXXX advances towards me. I truly felt threatened and the trainer made it clear he would not leave unless I signed a contract agreeing to life time guaranteed services for an additional {$1500.00}. In California I know I have the right to cancel a service contract within 3 days and I just wanted the trainer to get out of my house without becoming more hostile towards me. The following day I texted the trainer and asked him to cancel the contract and refund me the {$1500.00}. The trainer ignored my requested then called and texted me repeatedly to argue about it. As it was apparent he was not going to give me a refund for services that were not rendered, I filed a dispute based on the fraudulent services with Chase on about XX/XX/21. and a temporary credit of {$1500.00} was applied to my account. Chase reassessed the {$1500.00} on XX/XX/21. I received no opportunity to review XXXX XXXX response to the dispute. On XX/XX/21 I called Chases dispute department and the representative advised me on were you track down the copy of contract XXXX XXXX sent to chase and to send a secure message to ask that the dispute be reinvestigated as service not rendered, which I did. Approximately XXXX week later I received a letter in the mail with the XXXX XXXX contract, and serval other documents I did not recognize at were illegible. The documents showed my signature but I have no recollection of signing multiple times, I signed once on an electronic signature pad and it is evident XXXX XXXX reused this signature in a fraudulent manner. I was also never sent a copy of the contract from XXXX XXXX. In XX/XX/XXXX and XXXX I sent Chase XXXX more secure messages explaining my case in the dispute and provided a large amount of evidence that I attempted to cancel the contract within the rightful time frame, evidence that services were not rendered, and that XXXX XXXX is a fraudulent business that falsely claims to use kind humane and non-aggressive training, life-time assured methods. This evidence included proven and factual sources from my veterinarian that XXXX XXXX training techniques are counter productive and simply cruel. Since the XXXX session with XXXX XXXX my XXXX dog that the trainer worked with ( I was charged for all XXXX ) has bitten me which resulted in my having XXXX stitches in my hand and attacked my other dog twice. I only ever called XXXX XXXX because this XXXX dog was scared of other dogs. Following this incident I also learned that XXXX XXXX training methods actually cause aggression in dogs and are in no way humane or sustainable for the life-time of the dog. Upon learning this on or about XX/XX/21 I opened another dispute with chase for the initial {$300.00} payment. XXXX XXXX scammed me, harassed, manipulated and outright stole from me, abused my dog, submitted fraudulent paperwork to chase, and is a fictitious business that posts numerous false reviews about themselves ( I actually called XXXX and founds this out. ) I have reported them to the XXXX XXXX XXXX  and also learned that they have no real physical business address, and there are numerous other XXXX complaints very similar to mine. As of today, XX/XX/21 I have received no response from chase since my last message sent on XX/XX/21. I do not know why chase is siding with this company over me the only evidence they received from XXXX XXXX were illegal and fraudulent contracts that I was never sent.

Company response to consumer: Closed with explanation