Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
CFPB needs to reopen my complaint ( # XXXX ) against Chase. Chase has not fully resolved the problem they caused. I have three merchants that claim Chase has not returned the money owed them. Chase needs to engage these merchants, resolve the issue where I can be made whole. 

XX/XX/2023 The Facts Are Indisputable 1 ) ( FACT # 1 ) Chase admitted they wrongfully declared all my valid charges as fraudulent which amounted to 180 plus charges to scores of merchants over a period of five months. 

2 ) ( Fact # 2 ) In order to stop utility disconnects and protect my credit rating I paid out of pocket over {$1700.00} to six merchants. These were all charges I had already paid Chase for. As of this writing, I still have three of these merchants saying Chase has not returned the money. They are XXXX XXXX XXXX for two charges totaling {$600.00}, XXXX XXXX three charges totaling {$240.00} and the XXXX XXXX  XXXX XXXX three charges totaling {$180.00}. So I am still out of pocket {$1000.00}. When I called Chase to inform them of the problem they sent me a letter saying it was proof they returned the money. These three merchants were sent an email copy of this letter by me and the merchants still claim they have not receive the money from Chase. I have spent 80 plus hours over the last several months trying to resolve a problem that was not of my making. Again, I did not cause this problem ; Chase needs to become involved in resolving this issue with the above three merchants. However Chase has the attitude they sent me proof so it my problem. A problem solely created by Chase has become my problem. Who knows how many merchants are out there like the above three. I only know of these three merchants because I called them wanting a refund of my payment. So what happens months later when others start popping up?

3 ) ( Fact # 3 ) The response ( letter ) from Chase list an employee and phone number in the Executive Office of Chase that was available to help. That statement was just window dressing for The Consumer Financial Protection Bureau as I called the number and talked to XXXX and was told by her I would have to contact the Fraud Department. She basically wanted no more to do with it. The letter from Chase states that as of XX/XX/XXXX they have corrected my account. When I told XXXX my account wasnt right, she replied it had to be right as the Fraud Department had everything on spread sheets. It is simple, nothing more than grade school math. My closing XX/XX/XXXX Statement had a balance of {$2000.00}. This statement is correct. As of today XX/XX/XXXX there has been only one additional charge on the account of {$15.00} to XXXX on XX/XX/XXXX. That makes a correct and complete balance of {$2000.00}. When Chase finished their manipulations of my account, their corrected balance was {$2100.00} - {$500.00} ( for my experience and merchant fees ) and that equals {$1600.00}. So with all their spread sheets and brain power their corrected balance is {$71.00} more than it should be. My XX/XX/XXXX statement balance and the one additional charge are indisputable. It is elementary math ; I dont care how many spread sheets you have. Chase needs to refund me {$71.00}. When I presented all this to XXXX of the Executive Office, she responded, thats why we gave you the {$500.00}. The letter from Chase said, the {$500.00} was for my experience and fees to merchants and said nothing about the lack of their math skills. Over the weeks I watched my account go from {$2000.00} to {$8000.00} to - {$15000.00} and everywhere in between as Chase played with the numbers. In the words of one Chase employee I spoke to there are too many people making adjustments to your account. If I deduct my expenses from the {$500.00} credit and figure the hours I have put in, I come out with less than {$3.00} hour for My Experience, well below minimum wage.

4 ) Chase needs to take complete responsibility and contact the three merchants listed above to insure they received the money that Chase claims they returned. That will allow those merchants to refund {$1000.00} owed me. It wasnt my mistake and I shouldnt have been the one to prove to the above merchants that Chase returned their money ; though I tried numerous times.

5 ) To avoid any negative impact on my credit, I paid the corrected balance of {$1600.00} but Chase needs to refund me {$71.00} as they over billed me. Finally, it is important to note, not once has Chase contacted me to help resolve this catastrophic problem they caused. Yes, being on the receiving end of their systems error was catastrophic for me creating health threatening stress and a financial burden. I am a XXXX year old victim of the incompetence of a large corporation who refuses to stand up and do the right thing. 

Contact Information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX

Company response to consumer: Closed with non-monetary relief