Consumer complaint received 2016-02-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
To whom it may concern, I have disputed that International Growth ; LLC or Critical Response have not delivered goods or services as agreed. This company has many different names which makes it difficult to contact them in order to get a hold of them. Chase had stated when they were investigating the dispute that they had a hard time of getting hold of the company to get their statements. Chase notified me to return the merchandise back to the merchant, as the merchant agreed to refund the charge of {$250.00} while this dispute, which I have complied and sent the documents over to Chase for their review. Instead of Chase helping me retrieve the charge for {$250.00}. Chase in turn decided to change the dispute over to valid charges, which was never disputed by me in the first place. 
Chase told me that the merchant advised them they would gladly refund me as long as they received the merchandise back. The merchant themselves are not being truthful when it comes to being an accredited school, they in turn where contacted by an employer to verify schooling on my behalf, which they complied to do. The dispute resulted from services that were agreed upon but not delivered as advertised. So now the merchant has received their merchandise back and Chase has closed the dispute, which in turn has left me with a billed amount of {$250.00} on the Chase credit card that was disputed. To resolve the problem, I would appreciate you contact Chase and have them explain how this is a fair process when the Merchant has received merchandise back and I am still being charged {$250.00} for the merchandise that was returned? Enclosed are [ copies, not originals ] of my records of the dispute and returns concerning the merchandise. 
Chase seems to want to ignore the facts here and even the fact that the Merchandise was sent back as instructed by them, I only see Chase as the benefactor here, since they state that the charge is valid, it would only suite them to have this charge on the account as they are the ones earning interest and higher payments on the account. 
In the past I have disputed a similar issue with a merchant in the amount of $ XXXX+ where the merchant failed to deliver services as agreed upon only to have Chase state that the investigation found that it would fall under special circumstances and that nothing could be done. Again this benefits Chase, as the charge of $ XXXX+ stays on the account and they are the ones earning interest and higher payments on the account. 
I feel that Chase has violated my rights under the Fair Credit Billing Act by putting their interest first over the consumer valid disputes, I feel this is a pattern with Chase as I have experienced a resistance to get these disputes reversed, even when Chase been given supporting documentation/or compliance to their requests to return merchandise. The account in question has never been late on payments/or delinquent. The account has been open for a while and even received letter of good standing by increasing the credit line on the account. 
It makes no sense why Chase would want to treat its consumers in this manner? I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me at the address below or by phone.

Company response to consumer: Closed with monetary relief