Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: VA
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:
was one of the victims that got scammed from a scamming online education " mentorship '' business, call " XXXX " Ive used 5 different credit cards to pay for it up for this diamond rank investment as their affiliate. Chase was one of the cards I used to repay for this. I had done everything as guided before had to do the disputes. I first called Chase, then I wrote them a detailed letter provided and explained my case. Ive done the same for all other credit cards as well. ( All these other creditors have given me permanent credit back months already as im writing this, and I have proofs attached ). First Chase denied my dispute. Their only reason was the merchant wasnt recognizable.. And thats it. Nothing else. I asked, if the merchant wasnt recognizable, isnt proving my dispute is rationally correctt?! Theres something wrong its why the Merchant went disappeared. The charges still there on my statement, but Chase only reason was the merchant wasnt recognizable and pretty didnt know what else to say to me. I asked whats that mean? They seemed clueless to even know what that mean..and pretty much just shut me out at that time. 

I called again, and spoke to someone else and that person put me under the wrong department this second time. They put me under fraud department this one is for people who got their card stolen or an error on a charge, or got a charge on their statement without their consent. My case wasnt about this. I called to DISPUTE that the company/services were said to be scamming people. So the charge was fine bc I was trying to prove that I prepaid these charges. I was only disputing the services/products werent there!!! So after 2 months, Chase used this reason to deny me saying theres no error on the charge. Then I found out that bc they put me under the wrong department. And they didnt want to do anything else to help me. I then called again and asked to speak to the DISPUTE team this time.. I had to send in my dispute letter again, and documents ..and kept calling them..again..everytime was a different reason for they wont do anything with my case and pretty much they dont care. Back and forth back and forth ..all the lame excuses to deny me. Nothing made sense. 
I waited for weeks, then called again and talked to someone to make sure and again and again explained my case. The people who answered the phone seemed to understand my case..my story at the time, seemed to feel sorry for me..but everytime..they have no authority to do anything..they can only forward my case to someone in the back office. Then weeks later, i got a letter and they again denied me and said they never got my documents ( as i never sent them. Denied me also bc they " found no error on the charge ''. I called again, telling them ive got proofs here that ive sent all those documents in, not once but 2,3 times..sent more than what theyve asked and needed from me. Then i wrote them another letter again..send in all documents again, very very frustrating..I called again, asking to speak to a manager. He could only keep saying that they found no error on the charge. I again explained it wasnt about the charge that I said there was an err. I NEVER DID! it was like he talking to me as im 3 years old and cant read or he doesn't even care to read my letter. They always say they read but i dont think they care. 

Ive also reached out to the corp office. A lady name XXXX, said she'd create a new case for me. And gave me her phone number and said I could call her if i need to speak. Its been over a month, I havent seen a case created sent to my house or even in my account inbox. I tried to call her a few times last week. NO ANSWER! NO CALL BACK! 

I feel as if ive been being treated as a criminal instead of the merchant who's scamming people including me. Everything has happened w my case looks like Chase is just throwing me non sense excuses to defend the merchant but protecting me, helping me who are their customers. I feel discriminated. I have many colleagues, and myself that already have gotten permanent credits back from all other creditors, but Chase Bank! i feel discriminated and the way Chases dispute team been treating me is like they have violated my consumer right as well. Im asking CFPB to look into my case and make things right for me. Its been 5 months ive been dealing with this. Its morally wrong how Chase is treating their customers in my shoes. Its pain for people like me. we've lost so much from being scammed by these merchants, then being treated like this by our bank is something un-human. 


Ive attached : 1 ) my first dispute letter, 2 ) more detailed letter 3 ) last letter ( much more detailed ) 4 ) Chase letter to me ( their reason has nothing to do with the reason i disputed for. 5 ) contracts/agreements 7 ) Mobe compensation plan 8 ) FTC-complaint vs mobe 9 ) proofs Mobe sites NO longer exist! 10 ) ) proofs of permanent credits from a few other creditors helped me get full credit back 10 ) Proofs others people got their full credit back from their creditors, INCLUDING CHASE.

Company response to consumer: Closed with explanation