Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a " free trial '' product that was seen on XXXX XXXX and praised by all of the XXXX. I am leary of these kind of offers but went to check it out. There was a popup or overlay that stated No recurring monthly ordering ''. That was all it took to convince me that this place must be on the up and up. But even with the other trial offers, it was easy to find revealing information about cost if you failed to cancel, etc. There was nothing about this on the site I ordered the free trial from. I paid S & H for {$4.00} and {$5.00}. When I received the product, all that was included in the shipment was a piece of paper that listed the contents. Within 13 days I noticed that my bank had transferred savings to my checking twice, to pay the total of {$170.00} to the company I had received the free trial from. I immediately contacted the seller to dispute the charge and find out what recourse I had. The company was completely unprofessional and basically laughed in my face because there was no refunds. I was so mad I hung up on them. They had the nerve to call me back 3 - 4 times. The order came from California and the phone calls were placed to California. I filed a dispute with my bank and the BBB in XXXX California as that was determined by the BBB locater to be the branch I needed. My bank refunded the charges to my account but said that they needed to investigate. The BBB sent a response to my Complaint within a day telling me that they had transferred my Complaint to New York. I have had 5 responses from this company beginning with I could return the order with my receipt or invoice ; 50 % off and keep the product ; proof that I ordered the product by providing a detailed step-by-step delivery schedule which proves nothing ; to " [ my name ] did not buy from this company ... [ company name ] and lastly, what name did I use. My bank sent a messsage informing me that they had received proof from the company that proved I had ordered the product and they were closing my dispute. I forwarded the comment that I had not ordered from the company to my bank. The informed me that the matter was final and closed, and that if I wanted to proceed I would have to do so without them. The day after I was informed of bank 's decision, my phone rang. I was at work and no phones! I did pick up my phone as I had just arrived and the call was a large " Scam Likely. '' Completely caught off guard, I put the phone down while trying to figure out what that was or what had just happened. As soon as I had the chance, I opened phone to get the number of the caller or sender, there was nothing. I am positive that it was the scammer laughing in my face. This would fit with the attitude they had when I had attempted to get this resolved in the first place. Every time I go online and pull up this " as seen on XXXX XXXX '' ad, there is a different company name. I have XXXX different names just with this transaction. When I first signed up with my bank, I had specifically requested no overdraft protection. Apparently somewhere down the line that has changed. I typically will do my own funds transfer when and if necessary. My bank has blocked my card use several times previously when they did not think it was me using the card. I call them every time and things are resolved. I do not make these types of purchases and if I ever make a purchase of any type on the internet, I will use XXXX or prepaid card so that they can not access my account. Believing this was a free trial, an honest to goodness free trial, with no automatic reordering, and believing what I see or am told, I did not think about this not being a legitimate offer. My bank had my money in hand and without any communication with me about any of this other than my initial dispute, decided that they would honor the charge. I do not have the money to squander on this type of purchase, but thought I would try free trial. I honestly would have considered a purchase down the road had this been on the up and up, because I like to reward honesty. But I signed nothing, I saw nothing and I relied on the information promised or shown about no reordering. I have been scammed, the bank has contributed to that scam. I work in collections and I am not a collector. I needed a job. I do not talk to people the way most every collector does and I listen to their complaints. I have helped consumers get matters resolved and made right. As a result, I also manage to collect a decent amount. I am really disillusioned by my bank making this decision without any communication with me, and believe that everyone trying to conduct a legitimate business must be made aware of the technology and the abiilities of scammers who can produce everything requested or required to help them in their scamming.

Company response to consumer: Closed with monetary relief