Consumer complaint received 2019-06-20
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:
I disputed a {$29.00} charge of {$30.00} transaction made on from XXXX, b/c after I returned the defective item, the merchant only refunded {$0.00} ( a XXXX ). A person alleging to be from Chase called me in California, where I am a resident, on a RECORDED line asking ME for my name, credit card number or SSN. This was a red flag for FRAUD b/c the law enforcement agencies constantly warn people NOT to give out their confidential info unless you can verify the caller 's identity. The caller refused to identify herself besides a random name and that she was calling from Chase on a RECORDED LINE. I told her that I do not consent to recording the call, that California is a two-party consent state. Chase ignored me and continued to record the call. This happened a couple of times. 

Then I rec 'd a letter from Chase dated XXXX, denying my dispute, alleging that Chase had sent me a letter requesting addt'l info about the dispute. Chase ALWAYS asserts that it sent such a letter in previous disputes ( three ) but i have NEVER rec 'd such a letter. The letter I do always get from Chase is the denial. 

Today, XXXX, I called the number on the denial letter. The recorded voice stated that the call would be recorded and my voice could be used for verification, indicating that Chase illegally STORES customers ' voice which would include confidential, personal identifying info like names, credit card # s, SSNs, DOBs, addresses -- all info used in the billion dollar fraud known as identity theft. Who knows what Chase does with this info? 
After I refused to consent to being recorded, Chase rep XXXX repeated over and over again that the call was being recorded, ignoring my informing her that I do not authorize the recording of my voice or my confidential info. XXXX stated that then Chase would not help me on my account b/c ALL calls to and from Chase are RECORDED. That means Chase intentionally blocks my access to my acct and my ability to resolve disputes, report fraud, etc UNLESS I CONSENT, which is FORCED. All the while, even after I repeated that she should immediately stop recording me as this was against California state law, XXXX continued to record me and then proceeded to disconnect the call. I now have no way to appeal the denial of the dispute. 

I am reporting this to the California State Attorney General 's office and the SEC b/c Chase is the ONLY financial institution that I use that violates state law, FORCES its customers to be recorded or else be turned away from accessing their own financial accounts, and REFUSES to help its customers unless we involuntary consent. Chase can not be allowed to BULLY and FORCE customers into having their privacy violated, their confidential info AND THEIR VOICES recorded and used in unknown and probably nefarious ways for its own monetary gain.

Company response to consumer: Closed with monetary relief