Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BEWARE OF UNETHICAL BUSINESS PRACTICES OF JP MORGAN CHASE VISA 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 slimy sleazy 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 sleaziest slimiest most unethical business practices they could ponder up Chase Visa is the douc bag. 

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 : 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 sleazy cowardly chickens CLUCK CLUCK CLUCK lets make it happen! Cluck Cluck Cluck COME OUT YOU COWARDS!!! 

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 sleazy unethical business practices! 

Why would Chase do that? Like I said another Chase slimy sleazy 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 slimy 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! Slimy sleazy 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 butt RATHER than taking the CONTRACTUAL, honest, and ethical action slimy sleazy 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? 

I IMPLORE Federal and State Attorney Generals of all 50 states to go after Chase Visa for slimy sleazy 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 slimy sleazy 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!!!! 

I am going to work very hard to post this every day to as many web sites as possible. I want the world to know how slimy sleazy terrorizing bullying slandering character assassinating unethical practices by slimy Chase Visa MY GOAL 50-100 A DAY! 
Did I mention seller is in XXXX?? Did I mention the seller was XXXX? 

However, I am sure that had nothing to do with Chases slimy sleazy unethical business practices. And YES,  XXXX Chase does know all that you now know! 

I do have a PDF of all 100 pages documentation and communications readily available PLEASE PASS ON at every opportunity you have, Thank You!

Company response to consumer: Closed with monetary relief