Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: OH
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:
In late XXXX and early XXXX, XXXX XXXX, an internet entrepreneur who I trusted and followed, recommended an online money-making program called XXXX XXXX to his followers. It was run by XXXX XXXX and XXXX XXXX of XXXX XXXX. After watching a presentation, I purchased the program for {$990.00}, along with a monthly subscription fee of {$97.00}. There were promises made of easy money. XXXX XXXX was a software program that worked inside of your internet browser and showed textbooks that you could buy on XXXX and then sell back to XXXX at a profit in the form of gift cards. It seemed to work well enough at first. The company then upsold a product called XXXX  XXXX at another monthly fee of {$97.00}. The software was supposed to show you books you could purchase on XXXX and then resell through XXXX XXXX ( XXXX   XXXX  XXXX ) at a profit. The company also sold " done for you lists '' of books that they promised would make at least four times profit at a monthly cost of {$250.00} per list. They said that the lists were rare and only so many were available. I naively bought four of the lists each month at a cost of {$1000.00} for a couple of months. I struggled to make the money back that was promised. I eventually quit the program due to the high costs involved in XXXX/XXXX XXXX. In total, I paid over {$4000.00} to XXXX XXXX for these programs and software. I have invoices that I printed from them totaling {$4200.00}. These costs were all paid for using two different Chase Bank VISA cards that I still have. I was only able to supply one credit card number in your form, but I used two different Chase Bank VISA cards for the purchases. 

Recently, I received an email from a company called XXXX XXXX with a link to an article entitled : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I wasn't even going to read the message and when I did I felt sick. It became clear to me that there was a reason that I had not made the money promised by XXXX   XXXX and XXXX XXXX. It actually makes me angry that XXXX XXXX passed along bad data to the XXXX XXXX businesses once XXXX XXXX found out that their data was being stolen. Then that bad data was passed along to me by using XXXX  XXXX XXXX tool. As you can see from comments online and information at the XXXX ( XXXX XXXX XXXX XXXX- XXXX ) a lot of people were mislead by XXXX XXXX. I also purchased a coaching program from them at a cost of {$990.00}, but after recently contacting XXXX about the situation, they were kind enough to refund this amount to me. I contacted Chase Bank about the other $ 4,000+ charges paid to XXXX XXXX in the hopes that they might be able to refund me as well, but they would not do so. For this reason, I am filing this complaint with you. I do not understand why XXXX refunded my money when I explained the situation to them, but Chase will not do the same for me, since this was a scam. I am hoping that you can help. 

I also filed a complaint with the FTC regarding this company, as I am still getting additional emails from them for new products they are peddling. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation