Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: IL
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 purchased plane tickets for a wedding in XXXX for my little brother and his fiance. Due to the pandemic, international travel was banned. XXXX XXXX would not refund tickets and we needed the money back as we have small children and many expenses. So, I filed a dispute with Chase, on which the credit card the purchase was made. 

There was one additional dispute in the amount of {$48.00}. Unfortunately, I realized that this was a fraudulent business after I made the purchase, but I notified Chase same day and attempted to have this purchase blocked. They could not block is, so I had to file a dispute. 

Purchases to card that were disputed : Purchase on XX/XX/2020 : XXXX XXXX {$1300.00} down payment for plane tickets Purchase on XX/XX/2020 : XXXX XXXX {$1800.00} completion of purchase of plane tickets because XXXX XXXX would not refund down payment despite international travel bans, forcing us into paying more money during a pandemic that we might never recover. If this purchase was not completed, the down payment would be forfeited. 

Rebill, NOT A PURCHASE on XX/XX/2020 : The {$1300.00} charge was rebilled by Chase to my credit card after Chase claimed that my dispute was invalid. This is not a purchase. I had to refile my dispute with them. How could they approve the second payment of {$1800.00}, but deny the initial down payment? That doesnt make any sense at all. 

Purchase on XX/XX/2020 : XXXX {$48.00}. Unrelated separate purchase. I realized that this was a fraudulent company on the same date of the purchase and quickly called Chase to block the purchase. They told me that they could not block the purchase and that I had to file a dispute. 

Total Purchases disputed : {$3100.00} Credits by Chase back to my credit card after disputes approved by Chase : XXXX XXXX ( XXXX ) on ( XX/XX/2020 statement XXXX XXXX XXXX ( {$1800.00} ) on ( XX/XX/2020 statement ) The rebilled XXXX XXXX XXXX {$1300.00} ) was finally re-refunded on ( XX/XX/2020 statement ) after Chase realized that this was the down payment that was tied to the full purchase of the XXXX XXXX tickets. This was not a purchase, it was a re-bill and says so on my credit card statement. 
XXXX ( {$48.00} ) on ( XX/XX/2020 Statement ) Total Credits back to card after Chase approved the disputes : {$3100.00} 1099-C : The amount listed as discharged debt on the 1099-C sent to me by Chase is {$7800.00}. 
THIS IS MORE THAN DOUBLE THE TOTAL PURCHASES DISPUTED!!! 
At a 15 % tax bracket, I will be paying over {$1100.00} in income tax on this. Not only is the amount on the XXXX more than double the total, I work at a financial institution and spoke to our XXXX XXXX. Not only has he never heard of a XXXX ever being sent to anyone for legitimate disputes, but he could not find any cases of it ever being reported on the internet either. This is absolutely 100 % fraudulent by Chase and it is going to 100 % XXXX up our taxes for this year. We can not file our taxes until we have a resolution to this. The IRS has to be notified that this is fraudulent. And I am going to have to contact an attorney to file a lawsuit. 

Total listed as XXXX debt on the XXXX : {$7800.00}

Company response to consumer: Closed with non-monetary relief