Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: CA
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 's response on XX/XX/XXXX to my complaint filed with CFPB on XX/XX/XXXX ( complaint ID : XXXX ) was not correct and the provided documents didn't support/relevant their response. Thus, I would like to file re-open this complaint. 
Now, On Chase 's response letter, Chase said that their denial decision to deny my 2nd dispute for the transaction of {$6000.00} was based on 3 reasons. Thus, I disagree to these reasons : 1 ) Chase said that " The merchant already responded by providing a copy of the signed contract and confirmed that the services were rendered. '' I disagree because : Page # 6 of the attachment ( which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) is the failed inspection notes from my city inspector. One of these notes was dated on XX/XX/XXXX. These notes are the evident to prove that the Chase 's response was NOT reflected the true/reality of situation because the services are NOT rendered yet due to the failing building code of city inspection issue. 
The copy of the signed contract is just the contract to enter the project, it has nothing supported or confirmed that the services were rendered or completed. 
2 ) Chase said that " Because we did not receive any supporting documents to prove that the services that were provided were not as agreed upon or a second opinion letter as requested, we could not confirm a billing error occurred '' ; I disagree because : After I filed the 2nd re-dispute, on XX/XX/XXXX I received the letter from Chase Dispute Department ( details on the page # 2 of the attachment and which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) which instructed me that Chase would contact me if they need more information to dispute the charge. Thus, since this letter mis-instructed me, I held on the supporting documents for my 2nd dispute to for someone from Chase to contact me to obtain it as the letter 's instruction. Additionally, I had contacted Chase disputed department several times and always got the same above instruction that well contact you if we need more information to dispute the charges.. 
3 ) Chase said that " We are now past the dispute timeframe ''. 
I disagree because : Chase 's response also confirmed that my 2nd dispute was filled on XX/XX/XXXX while the transaction was done on XX/XX/XXXX. According the Chase 's guideline the dispute timeframe is 2 billing cycles. Thus, my 2nd dispute was file within the dispute timeframe allowance. 
Thus, Chase couldnt provide any reasonable reason including the document to support their wrongful denial decision on my 2nd dispute on the response letter on XX/XX/XXXX. Thus, Chase should approve the dispute because it was filed with the reason of non-qualified service which proved by the fail inspection notes from my city inspector document which detailed very clear which and how and where the job was done non-qualified.

Company response to consumer: Closed with explanation