Consumer complaint received 2023-02-04
Company: JPMORGAN CHASE & CO.
State: DE
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 wanted to take a beginner options class from XXXX XXXX XXXX. On XX/XX/XXXX, I signed up for the beginner class which was {$790.00} About XXXX hours after I signed up, I received a phone call from XXXX from someone who stated they were the XXXX  here He told me that he had gotten my name from my previous purchase and he told me the class that I signed up for was a waste of money and that I would not get a refund and he was pressuring me that I only had XXXX day for him to credit the {$790.00} to another subscription. I asked him to call my husband about the subscription because I wasnt sure about this. He said he didnt have time because he was finishing for the day. I then asked him what the total for this would be. He told me and I said no, thats too high. He said that he already put this through. I did not give him authorization to put this on my card. He then became very rude and sarcastic. I hung up and he called me back and he said, are you going to dispute this and I said yes and he then sarcastically chuckled and said our dispute department is excellent. On XX/XX/XXXX, I e-mailed XXXX, about this transaction and that I wanted to cancel my subscription due to this dishonest transaction I never heard back. I never confirmed these subscriptions on their company website so I have never used their services. After this dishonest experience I did not want anything to do with this company. I dont trust this company. 
I called Chase as soon as I hung up after this transaction on XX/XX/XXXX. I said I wanted to dispute this charge. Also, on the next day XX/XX/XXXX, I called Chase at the Fraud department and said I wanted a fraud charge placed on this charge and that I wanted my card cancelled. I did not want this person to have access to my card. I received some correspondence shortly after this from Chase that this was being researched. I did not hear back from the XXXX department until the middle of XXXX. They sent me a letter stating that there were no fraud charges due to me benefiting from this transaction. I did not benefit from this, I never used their services. I never opened their links to their e-mails. I never confirmed these purchases on their website. I then called XXXX at Chase and they told me to put this in for dispute again. I spoke to a XXXX at Chase on XX/XX/XXXX and explained everything again. He put the charges in for dispute again. He said someone would contact me by mail or phone. I asked him if they call will they leave a voice mail to say they are from Chase and he said yes. I told him I dont answer numbers that I dont know so I wanted to make sure someone would leave a voice mail. I did not hear back from Chase until near the end of XXXX. They sent me a form to fill out but only gave me XXXX  days to send it back. I called Chase Disputes and the rep I spoke with asked me if I could fax it. I also mentioned to her that there was only XXXX amount being disputed on this correspondence which was XXXX, I told her there was another amount for XXXX, XXXX. She said yes and told me to write in the other amount. The next day which was XX/XX/XXXX I went to the local Chase and had the XXXX there fax it. I double checked with him and asked are you sure that went through and he said yes. About a week or so later I received correspondence from Chase that they had not received anything from me and were charging me for this purchase.. Again, I asked the XXXX at the local Chase if the fax had gone through and he said yes so this made no sense to me. I called Chase and spoke to a XXXX, I told her that I had sent the fax, she said she didnt know why they didnt receive it, she asked me if I could re-fax it again. That same day I went back to the local Chase and the rep there faxed it again and also e-mailed it to Chase. I called back Chase and the rep I spoke to said she didnt receive anything, I asked to speak to a XXXX again, I told her I had re-faxed the documents again. She checked and said yes they did receive it. I asked why the rep had just told me that they hadnt received the documents and she said she didnt know why the rep told me that. About XXXX weeks later I received correspondence from Chase that I had waited too long to dispute this charge. ( This makes no sense I called Chase on XX/XX/XXXX a minute after I got off the phone after this transaction ). So I then asked to speak to a XXXX, She told me Chase had made several attempts to call me. I asked if they left voice mails and she said yes. I said I had no record of voice mails. I also told her there was still only the {$790.00} on this dispute and that there should also be the {$2200.00}. She said since that is a separate charge that went in separately and would be processed separately. I didnt understand that. I told her I check my voicemails all the time and I did not receive a voice mail from Chase I then asked to speak with the XXXX office. I spoke to the XXXX Department and told her I was very upset about this. I explained the situation again. She put another dispute through. I then received an e-mail from Chase at the XXXX office saying she was researching this. On XX/XX/XXXX, she left me a voice mail basically stating the same thing that they had left me messages and I hadnt answered. I didnt receive any voice mails. She then stated the same thing that I had waited too long which made no sense. She said the charges were valid. She also said that I needed to get in touch with the merchant. I tried to get in touch with the merchant. They didn't respond to me, that and that was all described in my documentation. There is nothing valid here, this is a payment for XXXX for nothing that I used or benefited from. This company is receiving a payment for giving me nothing that I used especially since I disputed the dishonest charge the minute after it was put through and also I sent an e-mail to XXXX regarding this very shortly after this dishonest transaction was made and XXXX was the one that never responded back. I have XXXX XXXX XXXX service for my phone, it can be checked what voice mails I received. I sent a letter to the Chase XXXX XXXX regarding this. I didn't hear back and also on Thursday, XX/XX/XXXX, I gave permission for my husband to talk to Chase about this because we are both very upset about this. My husband was told someone would definitely call him back. No one from Chase called. This whole experience seems like i have been going around in circles with Chase and no one is helping me solve this. I have been a long standing customer with Chase and always pay my balance. I have good credit and this is very upsetting to be treated like this.

Company response to consumer: Closed with explanation