Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
i purchased a sewing cabinet online 6'x6'x7 ' high, huge cabinet - NEVER RECEIVED seller claims to have shipped NEVER RECEIVED you would think cabinet weighing 500-700 pounds wouldn't be difficult to find evidence of shipping - however shipper has been unable to provider same - JP Morgan Chase has taken the `` corporate policy Position '' that : " JP MORGAN POLICY IS THAT ALL CREDIT CARD PURCHASES ARE DEEMED FINAL AT THE POINT THE PURCHASER  AUTHORIZES THE CHARGE '', IN OTHER WORDS THE SELLER IS NO LONGER REQUIRED TO ACTUALLY DELIVER TO THE CONSUMER WHAT CUSTOMER JP Morgan has lied to the XXXX  SEVERAL TIMES, tried to trick the XXXX  into closing their inquiry, here is the absolute honest facts : Scenario : Several months ago, a certain credit card holder of JP Morgan Chase Bank Visa innocently ordered a SEWING MACHINE CABINET from an internet seller subsequently to be identified as XXXX, FEEL FREE TO CHECK THEM OUT YOURSELVES. 

To the customers knowledge, FIVE MONTHS LATER : the seller has NEVER presented nor has the seller provided any evidence that a SEWING MACHINE CABINET was EVER shipped nor has a SEWING MACHINE CABINET ever been received by the customer NONE whatsoever! Not a shred NOTHING whatsoever! No shipping documents, no delivery documents, no receiving documents,,,,, NOTHING! 

Six weeks later not having received the order the customer notified the seller by email to please cancel the order. And as such the customer also requested Chase Visa to dispute the charge. As of today, five months later the cabinet has still not been received by the customer. 

For Chase the ethical business practice would have been to ; refund the amount charged to the Visa account to the customer and advise the seller to deal directly with customer INSTEAD Chase made a conscience business decision to take the most XXXX XXXX unethical business solution approach JP Morgan Chase Visa they could ponder up. JP Morgan Chase Visa made a conscience business decision defraud the customer : Chase made a conscience effort to bully and terrorize the customer : charging her several hundred dollars late charges and interest, terrorizing with threatening letters, turning customer in numerous times to credit bureaus for late payment, calling the customer all hours of the day and night several times a day, on numerous occasions out right lying to XXXX XXXX XXXX, again in essence using the XXXX XXXX  most unethical business practices they could ponder up Chase Visa is the XXXX XXXX. 
The customer has over the last several months accumulated several hundred documents of back and forth communications with Chase always yes ALWAYS I said ALWAYS within 24 hours, XXXX Chase is taking the hear no see no say no approach anything to defraud and steal what they can from the customer in effort to cover up their incompetent initially mis handlings! 

As of today, the order still NOT received! 

AS FOLLOWS IS THE CUSTOMERS FINAL RESPONSE ( response 2 of 2 ) TO THE XXXX   Customer final response to the XXXX  : Dear XXXX  XXXX Chase lied again to the XXXX, shame on XXXX Chase! 

Chase has continued to lie about the sequence of events, one outright lies after another outright lie about the sequences of events, one outright lies after lie after lie!!!

I certainly did respond immediately virtually within minutes of receiving any/all Chase communication both email and mail ALWAYS without fail! To claim I didnt is another outright Chase LIE always a continuous stream of lies! 

ANYTIME Chase wants to polygraph I would welcome them versus me in fact I WOULD PAY FOR BOTH! Come out you XXXX  XXXX XXXX XXXX XXXX XXXX lets make it happen! XXXX XXXX XXXX   COME OUT YOU COWARDS!!! 

Chase you lied to XXXX claiming you mailed your response letter to the customer on Monday XX/XX/2020 when in fact WAITING until Friday XX/XX/XXXX to mail the customer response. YES, another example of Chase Visa XXXX  unethical business practices! 

Why would Chase do that? Like I said another Chase XXXX XXXX unethical business practice : knowing that the XXXX  closes all claims to XXXX  at five days if no counter response is made by claimant. By holding the customer response two days and knowing it would take an additional 3-5 business mail to reach the customer ( that would be 8 days ) they could deceive the XXXX  into closing the claim, another example of Chase Visa XXXX  unethical business practice! 

Chase Visa this is NOT going away! 

Lied to the XXXX  a flat-out bald face lies to the XXXX  did not mail on the XXXX held 3 days before mailing! XXXX XXXX unethical business practice of Chase! Lied to the XXXX! AGAIN! 

Shame on XXXX Chase Visa. I actually believe and after reading this you will also believe Chase Visa draws straws to see which can fabricate the biggest outright lie. WOW, lying to the XXXX   SHAME on Chase! Shame on XXXX Chase!!! 
And yes, I did save the envelope with the postage date, for future reference. 
Chase had every opportunity to get this right reversing the charge LONG before the seller CLAIMED to have shipped the product. 

However, with malice of forethought Chase made the conscious CHOICE to shove it up the customers XXXX RATHER than taking the CONTRACTUAL, honest, and ethical action XXXX XXXX   unethical business practices! 

Why because it was easier to STEAL from the customer than to get the money back from the seller ( did I mention you could XXXX XXXX ) the simple solution months ago! In other words, Chase botched the dispute then attempt after attempt to cover up with a continuous stream of lies! 

Is Chase Visa criminally liable for constructive acts to defraud? Did Chase violate the the Consumers Protection Act? I IMPLORE Federal and State Attorney Generals of all 50 states to go after Chase Visa for XXXX XXXX unethical immoral breach of customer contract practices! 

This should be more than a GREAT example of a massive class action, after what I have experienced, I have to believe this has happened to hundreds if not thousands of other Chase Visa victims. 

I DEMAND full RESTITUTION, a FORMAL letter of apology and a complete cleansing of my credit history not to mention charter assignation, slander, liable damages! all because of the XXXX XXXX   unethical immoral business practices of Chase VISA!

As of today, I have still NOT received the SEWING MACHINE CABINET for which Chase STOLE {$190.00} PLUS {$400.00} from me! 

Had they done their job in the first place ( what they are contracted to do ) this scenario would never have occurred. Instead they lie after lie after lie bullying, threatening, and terrorizing customers! 

My credit rating once in the mid 800s never even remotely close to late payment for the most part always paying the entire balance PRIOR to receiving the statement all prior to CHASE terrorize and bully tactics! 

Bullying slandering character assassination collection calls late charges multiple lies to credit bureaus multiple lies to the XXXX,,,,, for {$190.00} sewing cabinet NEVER received! 
LIE AFTER LIE!!!! 

Thank You!

Company response to consumer: Closed with monetary relief