Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase XXXX XXXX credit card breaches XXXX XXXX   XXXX CONSUMER PROTECTION LAW [ 2 ] FORBIDS ALL " DECEPTIVE OR UNCONSCIONABLE TRADE PRACTICES IN THE SALE, LEASE, RENTAL, OR LOAN, OR IN THE OFFERING FOR SALE, LEASE, RENTAL, OR LOAN OF ANY CONSUMER GOODS AND SERVICES, OR IN THE COLLECTION OF CONSUMER DEBTS. '' MORE SPECIFICALLY, 20-701B OF THE XXXX ADMINISTRATIVE CODE DEFINES AN UNCONSCIONABLE TRADE PRACTICE AS FOLLOWS : ANY ACT OR PRACTICE IN CONNECTION WITH THE SALE, LEASE, RENTAL OR SERVICES, OR IN THE EXTENSION OF CONSUMER CREDIT, OR IN THE COLLECTION OF CONSUMER DEBTS WHICH UNFAIRLY TAKES ADVANTAGE OF THE LACK OF KNOWLEDGE, ABILITY, EXPERIENCE OR CAPACITY OF A CONSUMER ; OR RESULTS IN A GROSS DISPARITY BETWEEN THE VALUE RECEIVED BY A CONSUMER AND THE PRICE PAID, TO THE CONSUMER 'S DETRIMENT ; I have contacted Chase XXXX XXXX Credit Card @ XXXX ( XXXX ) XXXX XXXX twice regarding RETURNED products and REFUNDS issued my XXXX as my account indicates but NOT posted to my CHASE credit card account of which they are in partnership with, equaling upwards of {$450.00} that is the definition of gross disparity and the lack of aggressive conflict resolution to get tot he bottom of the unidentified issue does not res tin the consumers hand but in the banking institution under these convenents. 
On both occasions I have received inadequate help because the account is influx from the 20 + charges underfunded. Both institutions keep blaming the other instead of someone efficiently and aggressively handling the appropriations of the funds of my account. i the consumer suffer a debt not belonging to me. 

Both supervisor XXXX XXXX at XXXX XXXX Texas disputes department and XXXX , have passed the buck in handling it. Redirecting me to XXXX and XXXX redirecting me to the banking institution. I have been told if i XXXX bills a certain amount but its charged to the credit card independently i need to identify the charge. I have been told i cant receive refunds ; despite the account on XXXX stating refunded past XX/XX/XXXX even when the bank institution has not posted the credit. IN ADDITION TO BEING STATUTORILY REQUIRED TO AVOID DECEPTIVE AND UNCONSCIONABLE TRADE PRACTICES IN PERFORMING BANKING SERVICES FOR CUSTOMERS, WE UNDERSTAND THAT THE FDIC HAS URGED BANKS TO OPERATE ETHICALLY AND HONESTLY, WITH FULL PRIOR DISCLOSURE TO CUSTOMERS OF ALL FEES AND COSTS ASSOCIATED WITH ACCOUNTS. IT IS VERY DISAPPOINTING TO HAVE LEARNED THAT CHASE ENTIRELY FAILED TO DO SO REGARDING XXXX XXXX XXXX. TO NOW KNOW HOW TO HANDLE A NEW PROBLEM IS NOT A REASON TO AVOID DOING SO. 

WE BELIEVE THAT CHASE XXXX XXXX CREDIT CARD HAS NOT ONLY VIOLATED ITS COVENANT OF GOOD FAITH AND FAIR DEALING OWED TO XXXX XXXX XXXX. IT IS XXXX XXXX XXXX MONEY THAT SHE IS RIGHTFULLY OWED AS THE PRODUCTS WERE RETURNED AND PROOF WAS PROVIDED BUT THE CREDIT CARD STATEMENT AND ACCOUNT NOT BROUGHT CURRENT.

Company response to consumer: Closed with explanation