Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit 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:
Dear Sir/Madam, I am compelled to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), which has been marked by inaction and a lack of resolution. This concerns two credit card charges totaling XXXX ( XXXX each ) from XXXX XXXX XXXX, a merchant that has failed to render contracted services. The charges were posted to my Chase credit card account ending in XXXX on XX/XX/2023. 

Case Summary : Initial Charges : Two separate charges of XXXX  each posted on XX/XX/2023, for services contracted with XXXX XXXX XXXX, which were never provided. 
Dispute Identification : The ongoing dispute, identified as XXXX, was reported to Chase on XX/XX/2023, following the publication of the merchant 's notice that they were ceasing operations. 
Chase 's Inaction : Despite numerous attempts to resolve this issue and providing ample evidence of the merchant 's failure, including their legal bankruptcy, Chase has neither updated nor closed the dispute since XXXX. This inaction is in direct contradiction to their stated resolution timeframe. 

Additional Context : Previous Correspondence with Chase : Copies of the WARN notice and the bankruptcy notice have been provided to Chase in my correspondence regarding other charges on different cards for the same merchant and services, yet there has been no acknowledgment or action from Chase. 
Contrasting Experience with XXXX XXXX : XXXX XXXX promptly refunded charges related to the same merchant on the day I filed the complaint, highlighting the unreasonable delay in Chase 's dispute process. 

Recent Developments : Merchant 's Bankruptcy : XXXX XXXX XXXX filed for bankruptcy under XXXX XXXX, as confirmed by the United States Bankruptcy Court of the XXXX XXXX of Texas, demonstrating the impossibility of the merchant delivering the services I paid for. 
Lack of Resolution from Chase : Despite providing all necessary documentation, including the merchant 's bankruptcy details, Chase has not resolved the dispute. The case has been pending for an excessive duration, significantly exceeding Chase 's advertised dispute resolution period of 35 days. 

Request for CFPB Intervention : Closure of Investigation in My Favor : I respectfully request the CFPB to direct Chase to close the ongoing dispute in my favor. The comprehensive evidence, including the merchant 's insolvency, clearly shows that the services for which I have been charged will never be rendered. An immediate and favorable resolution is imperative. 
Refund of Disputed Amount : I seek assistance in securing a refund of the total disputed amount of XXXX, as it is evident the charges are for undeliverable services. 

Enclosed are copies of all pertinent correspondence with Chase, the bankruptcy notification of XXXX XXXX XXXX, and supporting evidence detailing the dispute 's history and Chase 's lack of appropriate action. 

I appreciate the CFPB 's attention to this pressing matter and look forward to a resolution that respects consumer rights and adheres to fair practice. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with monetary relief