Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: RI
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:
This is a VERY brief discussion. My e-mails give a fuller picture. Everything has been by e-mail. 

I have submitted a complaint on XXXX XXXX and Chase to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and XX/XX/XXXX, respectively. I incorporate by reference my FTC complaints. 

This is a VERY brief discussion. 

I ordered from XXXX XXXX ( XXXX ). XXXX restricted my ability to return despite the items being returnable per XXXX return policy. According to XXXX 's website, I should have been able to log into my account, access my orders and press a button to begin the return. However, no such buttons appeared. In other words, XXXX restricted my ability to return despite the items being returnable per XXXX 's return policy. In fact, after reviewing my records, I have evidence indicating XXXX  restricted my ability to return from essentially the time I ordered ( A.K.A. premeditation ). On XX/XX/XXXX ( still within the return period ), I e-mailed XXXX CEO and General Counsel ( among others ) about the situation and said " I want to return all of the products ... Kindly immediately forward [ return label/return authorization ]. '' I WAS IGNORED. 

See my FTC complaint dated XX/XX/XXXX on XXXX  ( which exposes, among other things, XXXX  criminal conduct ( including premeditation, etc. ), etc. ). I incorporate by reference my FTC complaint dated XX/XX/XXXX on XXXX. 

On XX/XX/XXXX, I submitted to Chase ( via email ) disputes for 2 transactions on my credit card account ( I placed 1 order with XXXX  but it appears the order was broken down into 2 separate charges ). BOTH TRANSACTIONS WERE DISPUTED AT THE SAME TIME AND FOR THE SAME REASON. 

Chase began by stalling, etc. and pretending I didnt have an account with Chase XXXX calling me XXXX XXXX XXXX XXXX notice detail of Chases lie, etc., down to XXXX ) despite my name clearly written ( XXXX XXXX XXXX, etc. I have asked Chase to explain the above and, to date, Chase has refused. Once Chase could no longer play XXXX about my account ( because I gave evidence of my account ), Chase continued stalling/ignoring me, etc. 

Almost a month after my XX/XX/XXXX email submitting my dispute ( and after my 6 followup, etc. emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) ), Chase sent me an unsigned, no name 2 page letter ( via XXXX ) stating We are not able to assist you with your disputebecause the charges are past time frame to dispute. 

Chases XX/XX/XXXX letter states : Our policy for the dispute time limit is as follows considering filing of the dispute is not more than 118 days from one of following : Transaction processing date Date customer received or expected to receive merchandise or services Can not exceed 538 days from transaction processing date The following are the applicable dates to the dispute : XX/XX/XXXX One disputed transaction processed on my credit card XX/XX/XXXX The other disputed transaction processed on my credit card XXXX Merchandise for XX/XX/XXXX transaction delivered XXXX Merchandise for XX/XX/XXXX transaction delivered Doing simple math, the following are the number of days from the above events to my XX/XX/XXXX email submitting my dispute : 110 days from XX/XX/XXXX 108 days from XX/XX/XXXX 107 days from XXXX 103 days from XXXX ALL 4 DATES ARE WITHIN CHASES XXXX & XXXX DEADLINES. Chase knew : I had an account, I had the right to dispute, I WAS WELL WITHIN THE TIME LIMIT TO DISPUTE, etc., etc., etc. Yet Chase kept fraudulently, etc. stalling, etc. for A MONTH so it could pass the closest deadline ( 118 days ( WHICH I TIMELY MET ) ). Once the 118day mark past, Chase THEN responded to my dispute and informed me the dispute deadline had past. As anyone could see, CHASE COMMITTED FRAUD, ETC. 

Chase also retaliated. For example, I went to pay my card, MY BANK ACCOUNT INFORMATION ( NEEDED TO PAY MY CARD ) WAS WIPED OUT. 

My e-mails to Chase repeatedly ask Chase to immediately credit the {$4500.00} I am owed. 

Since Chases XX/XX/XXXX letter, I have sent 9 emails spanning 10 MONTHS ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ). 

My last e-mail to Chases CEO, General, and Board of Directors ( dated XXXX ) noted : If this matter is not immediately resolved and my account permanently credited for the {$4500.00} I am owed, I will be contacting the authorities, XXXX, etc. beginning with submitting a complaint to the Federal Trade Commission ( FTC ). 

To date, my account hasnt been credited nor have I received a response. 

Basically, Chase is protecting, etc. XXXX XXXX. 

THE ONLY FORMS OF COMMUNICATIONS WITH CHASE, HD, ETC. HAVE BEEN VIA EMAIL.

Company response to consumer: Closed with explanation