Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: GA
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 am XXXX XXXX XXXX XXXX, recently recovered from XXXX XXXX health issue, XXXX XXXX and was susceptible to the hard sale tactics of XXXX representatives in store front of XXXXXXXX XXXX  XXXX XXXX I was there for XXXX XXXX and they sold me {$3300.00} worth of misrepresented facial creams, claiming they are made of baby 's stem cells, better than XXXX surgery with more effective results, they used fake photos, and a lot of outrageous claims. Once I got home and researched the store and their products they are fielding bad reviews everywhere for fraudulent misrepresentation and refusing to accept returns on products after they oversell and make false claims about the ingredients. I took the products back and gave them to XXXX the manager who I photographed receiving all products back and said I would be watching for the credit back and she said ok. I have photos of her and the products. I received a credit on my JP Morgan Chase card for the full amount for months it stood. At the last minute the merchant submitted a false statement that I loved the products, no complaints and I didn't return anything. I called the XXXX XXXX police, XXXX complaint, Attorney General and finally the merchant admitted they have the products but said I opened them and they can't resell so I have to take the products back. The credit card company JP Morgan Chase made a mess of the dispute referring me to the XXXX, then to the so called Executive Office where I thought I was dealing with a legal team. I am a XXXX and they made me write a letter that I am a XXXX representing myself before they claimed it would be forwarded to lawyers. They kicked the can for more months until I received an inaudible phone call from a heavily accented " specialist '' saying I needed to resolve it with the merchant. They completely caused me to rely on them to my detriment where I had a credit for over 3 months then they reversed it on false information. I have over a XXXX credit score and now it will be ruined and the business XXXXXXXX XXXX XXXX XXXX has changed its name to XXXX XXXX and there is no registered agent for service of process of legal documents with Secretary of State and the store refuses to provide me with one. JP Morgan Chase needs to refund my card in the full amount of the dispute with XXXX XXXX XXXX I DO NOT HAVE THE PRODUCT and it is a fraudulent scheme evidenced by a slew of similar complaints to mine. The business now calls itself XXXX XXXX and works out of XXXX XXXX XXXX XXXX XXXX, LA XXXX email contact XXXX. I had no action until I contacted local police, Attorney General and XXXX for which they received no response and indicated that they had several open cases on the business. You can see the modus operandi outlined in all of the online complaints under XXXX and XXXX reviews, scores of them. All the same, fishy billing practices, lies and no returns allowed. This needs to be stopped and I demand the credit be placed back on my card by JP Morgan Chase who has completely mishandled this from the get go. They misclassified the dispute repeatedly and allowed the merchant to present false information, where they initially claimed I did not return anything. They later communicated with me, not the cc company and provided photos of opened product which is what they did to come up with a new lie as to why, I should not get my money back. They offered to ship the same products I returned to them, to me free of charge. Are they insane? I don't want their rubbish. Its all lies and they. preyed on someone who was older and recovering from XXXX XXXX. Shameful!

Company response to consumer: Closed with explanation