Consumer complaint received 2017-04-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hi, On  XXXX / XXXX / XXXX  I purchased a pair of  XXXX  concert tickets through  XXXX  in  XXXX   XXXX ,  XXXX   XXXX , Seats  XXXX  with my  Marriott VISA Chase cr edit card. This concert was to be held at  XXXX   XXXX  in  XXXX   XXXX , CA. Tickets were assigned Order number  XXXX .  ( See attached purchase ) Due t o a scheduling conflict, we could not attend this concert and chose to list the tickets for sale on the  XXXX  platform on  XXXX / XXXX / XXXX . The tickets uploaded and verified by  XXXX  were for the identical concert, section, row and seats as purchased . ( See attached listing ).  On  XXXX / XXXX / XXXX , I was notified that these tickets were sold  ( See attached ).      Upon receiving m y Chase Marriott VISA   XXXX   XXXX  statement, I notic ed 2 char ges from  XXXX , dated  XXXX / XXXX / XXXX  in the amounts of {$490.00} and {$240.00}. On  XXXX / XXXX / XXXX , I created an official dispute for each of these charges as I believed my credit card had been used for fraudulent purposes.     Several weeks later I received a call fro m Chase Fraud Departmen t and spoke with  XXXX  regarding my claims. He said that  XXXX  was charging me for the sale of fraudulent tick ets ( fro m my listing on  XXXX / XXXX / XXXX  ) + a 50 % penalty fee. I mentioned to  XXXX  that I sold legitimate tickets I had purchased through  XXXX  and could provide him the order receipts reflecting this purchase, including the sale information so he could match all details up.     On  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX , I uploaded all the documents ( see attached ) as requested. On  XXXX / XXXX / XXXX   XXXX  called me and left a voicemail and I returned his call and left a voicemail, but I did not receive any calls back. Shortly thereafter, I noticed online that th ese 2   XXXX  charges were placed back onto my account.     I created a new dispute on  XXXX / XXXX / XXXX  in an attempt to resolve with Chase with no resolution. I created an add'l dispute on  XXXX / XXXX / XXXX  due to continual attempt s by Chase to collect t hese funds. ( see attached ). In these disputes, I have asked for the documentation and proof of frau d Chase must have recei ved from  XXXX  in order to substantiate their claim, all to no avail. I have not received any detail. At this time, I calle d Chase an d closed my account.     I also contacted  XXXX  and they stated to me that only original PDF / tickets can be uploaded and their system scans for invalid tickets, further verifying my ticket sale as legitimate.     I received a letter from Chase dated  XXXX / XXXX / XXXX  ( see attached ) stating in summary my case was reviewed, my dispute was denied and that the amounts would remain on my account. Also the letter states that  Chase will  no longer respond to me on this matter.     On  XXXX / XXXX / XXXX , I sen t Chase a certified letter ( see attached ) detailing my case and dispute. Again, I reques ted a copy of the " fraud '' information Chase/  XXXX   used to make a determination of my dispute. I also stated I wished to pursue this issue through binding arbitration and that these charges would not be paid and attempts to show lateness on my credit report would be challenged as well. I did not receive any response to this letter.     On  XXXX / XXXX / XXXX , I opened a new dispute ( see attached ) per late charges and interest applied to  my Chase Marriott VISA   XXXX  billing statement. Shortly thereafter, these charges were reversed, but then I was hit with a new late charge on m y Chase Marriott VISA   XXXX  billing statement. On  XXXX / XXXX / XXXX , I opened a new dispute ( see attached ) to challenge these late fees and have not received any official response.     On  XXXX / XXXX / XXXX , I received online notification that  my credit score ha d changed, and when I reviewed in more detail, I notic ed Chase had marked my Marriott VISA account has  over 30 days late and delinquent. These punitive data was transmitted to all  XXXX  Credit Bureaus and each one has penalized my ove rall credit score.      The last few days, I have been getting Robo calls as well stating my account is past due and that I need to make payments immediately.

Company response to consumer: Closed with explanation