Consumer complaint received 2020-06-15
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:
On XX/XX/XXXX, I purchased round trip tickets through XXXX for a flight on XXXX XXXX  for {$1500.00} flying on XX/XX/XXXX from XXXX to XXXX and returning on XX/XX/XXXX. My Booking Number was XXXX. I charged the ticket to my Chase Card, Account ending in XXXX. On XX/XX/XXXX, I discovered by checking with the XXXX website that the return flight was cancelled by XXXX due to the Covid-19 pandemic. This was not revealed to me by XXXX until XX/XX/XXXX. As a result, I immediately realized that I had no way to use the tickets I had already purchased, so on XX/XX/XXXX I filed a Dispute with my credit card company, Chase, asking that I be credited the amount of the tickets since the airline did not fulfill the terms of my purchase when they cancelled my flight on XX/XX/XXXX. Alas, my tickets were worthless. 

Chase issued me a temporary credit on my Credit Card, pending their investigation into the matter with the merchant. Since the merchant was XXXX, Chase went to XXXX and not to XXXX XXXX to settle this dispute. 

On XX/XX/XXXX, I received a notice from Chase that my Dispute, dated XX/XX/XXXX, was denied, and that my Temporary Credit was voided. They never contacted XXXX XXXX ; they just took XXXX 's information and lame excuses as fact. It was insulting to me that over the course of 3 months, XXXX had taken various positions on why they shouldn't refund their customers in full -- -especially when they are breaking the law. What is ever more insulting is the fact that Chase -- my Credit Card Company, who I trust to protect me " the consumer '' in cases of theft and fraud - had failed to provide simple protections. 

The fact is, Chase is now culpable by assisting a third party in committing fraud and theft and XXXX is breaking the law. And, here is why .... 

1. As of XX/XX/XXXX, all Airlines operating in the USA are required to fully refund airfare to passengers whose flights have been canceled during the outbreak of Covid-19, by executive order of the U.S. Department of Transportation. As a result, XXXX has been superseded by the U.S. Department of Transportation and does not have a choice in this matter, and neither does Chase. 

2. On XX/XX/XXXX, I called XXXX and talked to XXXX. Employee No. XXXX. He stated that " all refunds go through XXXX, '' and that I have to request my money from XXXX. 

3. Essentially, XXXX is breaking the law and by doing so, is committing a fraud. The fact that XXXX had offered me an insulting {$11.00} USD credit on a $ 1,500.+ purchase is not only laughable - it is unacceptable, and will certainly warrant a class action suit, of which I will be more than happy to include Chase as a co-defendant in the claim. 

4. XXXX Operates from the XXXX XXXX and only has a shell company here in the U.S. Chase has much more exposure in the U.S. jurisdiction of Florida than this off-shore operation. 

The superfluous information in XXXX 's information on their " terms and conditions '' does not state that the customer is entitled to a credit of .0073 % of the purchase price in case the flight is cancelled. Regardless, they are superseded by the U.sXXXX Department of Transportation 's Executive Order. 

Additionally, the information provided by the merchant XXXX XXXX XXXX is a haphazard attempt at avoiding paying me back my money - by which they illegally claimed " Force Majeure '' in their response. This fiasco was not a " disruptive even '' for XXXX. On the contrary, they do not own the planes that were grounded, and neither the government nor God stopped their computer servers from working, nor did anyone keep them from pounding out key strokes on a keyboard. Furthermore, they are not operating an airplane, a train or an automobile. They are operating a " brokerage service '' THAT WAS NOT SHUT DOWN BY ANY GOVERNMENT ENTITY - AND THEY WERE NOT SHUT DOWN BY GOD! 

Even if " Force Majeure '' is implied - it is not applicable here and if it were -- - it doesn't matter -- again BY ORDER OF THE U.S. DEPARTMENT OF TRANSPORTATION. 

Furthermore - as per " XXXX '' XXXX employee Number XXXX -- XXXX  has been credited by XXXX XXXX for the cancelled flight and they are keeping my money. That is theft! 

As a result, I respectfully request full credit on this purchase from Chase for my Cancelled Flights, and that Chase provide me the protections the consumer is entitled to when utilizing their Credit Card for a legal purchase. By failing to do so, Chase is " failing to abide by the consumer protection clause '' provided within their own agreement with me, the CONSUMER. 

As an aside. I purchased my daughter 's tickets for this very same flight with my XXXX Card, and they gave me a full credit on my purchase Dispute. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX, IL

Company response to consumer: Closed with explanation