Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: OH
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 previously submitted 4 disputes back on XX/XX/XXXX All disputes were opened at the same time, all for the same reason and all from the same company XXXX who used several different names and URLs to run a fraudulent business. 

Disptutes are as follows : XXXX on XX/XX/XXXX for {$7000.00} XXXX  on XX/XX/XXXX for {$10000.00} XXXX on XX/XX/XXXX for {$1800.00} XXXX XXXX on XX/XX/XXXX for {$3500.00} Initially all disputes were opened for the wrong amount by your company, I won cases, you took away credits and reopened for a pro-rated amount. 

From the documents you sent back to me I feel me case has been misrepresented by your department for several reasons but the biggest is the merchants response to your company. 

Upon further review of the letter sent to you by the merchant it is hard to believe it has been used against my dispute cases. I am asking that the merchant letter be dismissed from both dispute cases for the many reasons I am going to list below in addition the attachments I am sending you offering proof of my claims. 

Even just a quick visual analysis of the contents of the document supposedly delivered by the merchant reveals numerous elements. 

1. The document was not composed upon the merchants logo-bearing stationary.

2. The document possesses no date specifying when the document was composed.

3. The document possesses no address identifying from where the document was mailed.

4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center.

5. The document possesses no name indicating the identity of who composed the document. 

6. The document possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable.

7. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized. -See attachment for proof of incorrect date and even year. 

8. The existence of a document-building computer-systems database node number in place just above the leftward region of the documents first paragraph. 

Please see attached proof that the date of services is incorrect not to mention that the first purchase date on your credit card was not XX/XX/XXXX but XX/XX/XXXX and also that the services purchased have not been received or delivered as guaranteed. I will reattach the XXXX XXXX XXXX XXXX Page 1 that states in Section One, Event and Product Highlights that Lifetime Access to the program. You will also find a complete list of services not provided from merchant. 

In your documents sent back to me, number a-d, the training and coach stated to talk about the life you dreamed of. Just to add onto the lies that XXXX told. One of the biggest selling points that XXXX used was that you need no previous experience, listen to us and we will do everything for you with our Done-For-You business model. 

This business model consisted of teaching us how to tell stories about our dreams. I had invested over {$60000.00} into XXXX with no previous experience so I listened to what they said. This also should not be held against my case since as you can see XXXX offered no real training and a ton of lies. This blog has been shut down and just gets added to the additional thousands I spent on marketing with XXXX, Blogs, XXXX and everything else that they had us do. Spend, Spend, Spend that was the motto of XXXX. 

As soon as you joined XXXX they had you investing in an email responder, XXXX XXXX and other programs. You where never told what they were for, only that you needed them. 

As far as the XXXX XXXX system goes your coach shared funnels with you. Well guess what that costed me a ton of money as well since they never explained anything all the disclosures that they shared were wrong and fraudulent and also got many of my marketing accounts shut down. 

The list of lies is endless with XXXX and the fact that your company dispute center allowed this bogus merchant letter to be used against my case is disturbing and unfair to my case. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation