Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015, I became certain that I was dealing with a dishonest company that does n't return calls & when we call it puts u on hold for XXXX minutes & more & then disconnects the call over & over again, & that all others have had the same problem with them, I was sold a bogus home warranty by a company that did n't have honest business practices & had given me contradictory information & never sent me the membership package despite my several requests for it neither any receipt for charges they had made to my Chase Credit card, on XXXX/XXXX/15 I reached a conclusion that I 'm wasting my time & it 's not gon na get any better & sent them a cancellation request & requested a full refund of my money, not knowing that I was overcharged by them {$390.00} & another {$50.00} as well back in XXXX & XXXX as I had a big flooding disaster in my home & was overwhelmed with extensive repairs & damages & its consequent health problems it had cost me. I become more certain of the indecency of this company for having taken so much extra funds out of my account & not crediting back the overcharges on XXXX/XXXX/15 ( the same day I found out, I asked my bank to charge back or file a dispute )! I contacted the company via phone & email & left them messages to refund my overcharges immediately as well & have not received any calls or messages from them, then filed a complaint with attorney general office of NJ & found out they 've XXXX open cases already against this entity! I asked Chase credit card disputes department to put all charges on dispute by this entity & change back all the amounts they 've taken from my account & the rep did n't want to help me because it was past 90 days from the posting date! I called them several times again & they would still say the same thing while they have a duty to protect their client when their client is in great standing & has been taken for a ride! I have had special circumstances & had not become aware of the overcharges by this deceitful entity. My bank has a fiduciary duty towards me to protect my accounts & funds specially in unfortunate circumstances. I 've the right to have a saying about my founds! I 've been a great client of Chase bank & ca n't accept irresponsible approach to a client whose funds have been stolen from her account! I know that banks can help with a dispute/chargeback request even past 90 days when it 's a crucial matter. I 've seen other banks accept disputes from my colleagues past 90 day period, & would like to make sure my bank takes care of this matter immediately as I wo n't let my bank let this company run with my money. If anything, you would think your bank would exercise some power to protect the account holder & their funds! I have n't hired this bank to throw away my money for me in the hands of dishonest people. It happens to a lot of people that sometimes they do n't catch an overcharge or indecency of a company within 90 days of its charging dates, & that 's not appropriate to not protect the client as the consumers are protected by Consumer Protection Act beyond 90 days!!! & in my case thank XXXX I found out a few months later not years later!

Company response to consumer: Closed with explanation