Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: TX
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 have grown increasingly concerned as most billing errors I have notified Chase of this past year have been closed without having chargebacks filed or informing the merchant. Upon notifying Chase of a billing dispute, I always include as much detail as possible, to include original sales receipts which detail return policies, conversations with the merchants in question, reservation confirmations showing a different amount then finally changed or modified by merchant, return refusal receipts proving a return was attempted, and more. Yet routinely I receive letters requesting more information. The information requested had always already been provided upon my initial notification to Chase of the billing error. It seems however, that Chase dispute agents upon not receiving the billing dispute notification fail to review the documents supplied and send out the information request as a general template. Despite calling Chase disputes to notify the dispute department of this error Chase agents continue to overlook the details they have already received. This results in the dispute being closed out without processing a chargeback or notifying they merchant of the billing dispute. 
Furthermore, several of the disputes in question included items which the merchant refused to accept a return, violating the terms set forth at the point of sale. If the billing dispute failed due to Chase overlooking documentation and neglecting to process a chargeback as required by consumer protection laws, the Chase Return Protection ( discontinued XX/XX/XXXX ) should have covered the items which where attempted to be returned. Chase however, failed to honor this card agreement as well. 
Chase overlooked provided documents and information failing to adhere to 12 C.F.R. 226.13.  Furthermore no attempt was made by Chase to notify the merchant or to correct the billing error and the Return Protection as agreed to in the Credit Agreement was not honored. As a result, I am now submitting my claim under 15 U.S.C. 1666i. for the following previously disputed transactions. 

Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Adjustment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX REBILL THE XXXX XXXX # XXXX XXXX Adjustment XX/XX/XXXX XX/XX/XXXX REBILL THE XXXX XXXX # XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX REBILL XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX REBILL XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX # XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX ( XXXX XXXX ) XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sale XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Should Chase feel the need to request information regarding these charges I request Chase first review ALL previously provided documentation and phone calls as all needed information has already been supplied and overlooked by Chase. I am requesting that thse billing error be corrected, and any finance charges and fees associated with the disputed charge be credited to my account, and for an accurate statement to be mailed to me.

Company response to consumer: Closed with explanation