Consumer complaint received 2023-01-11
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:
We purchased six pairs of individual-event XXXX XXXX tickets from XXXX for a total of {$2600.00} using a XXXX card issued by Chase Bank XXXX Copies of these tickets have been uploaded along with this statement. 

USA fans were, unfortunately, banned by the XXXX government from attending the XXXX XXXXXXXX XXXX in XX/XX/XXXX. 

Accordingly, we quickly requested refunds from XXXX of our six individual-event tickets in XXXX XXXX. It must be noted that XXXX unilaterally instituted a new refund process specifically for these refunds, which forced purchasers to accept revised terms and conditions drafted solely to XXXX benefit ; those new forms were timely returned for these six individual tickets. This new refund process included adding exorbitant and unearned fees for services that XXXX did not provide ( if no XXXX tickets were provided, how can there be a ticket handling fee? ). And, XXXX now steadfastly and unjustly refuses to provide refunds for these six individual tickets even after compelling all XXXX XXXX fans to agree to its newly concocted and onerous refund policy, under duress. XXXX ticket purchasers had no viable alternative other than to accept XXXX new and unreasonable refund terms within two weeks since, as they threatened, Failure to meet this deadline will jeopardize your refund. At the end of the day, we agreed and completely complied with their draconian refund process for these six individual ticket purchases, but XXXX still wont refund the money that it has unconscionably held on to. 

Now, turning to ChaseXXXX role in this most unfortunate situation, XXXX continuously trumpets its credit card protection, fraud security, and XXXX liability for its consumers. XXXX was the XXXX official payment technology partner for the XXXX XXXXXXXX XXXX. And, XXXX was the only ticket reseller in the US. So, we had no choice but to use a XXXX card in order to buy XXXX tickets from XXXX ; there were absolutely no alternatives. 

As such, we then reached out to Chase in the hope that some affirmative action would be taken to recover our stolen money. Once it was clear that XXXX had fraudulently taken our funds, we disputed the charges on the XXXX card in early XX/XX/XXXX. The XXXX XXXXXXXX XXXX were slated to occur from XX/XX/XXXX XX/XX/XXXX. So, even though our dispute was made in XX/XX/XXXX, well within 118 days of the expected date of service, this dispute was curiously denied. We then escalated the dispute within Chase later in XXXX, and still well within 118 days of the expected date of service, but it was still to no avail ( copy of escalation letter has been uploaded ). In each instance, Chase shifted the blame to XXXX and its policies ( and XXXX, of course, shifted the blame to Chase ). Through their denials to hold XXXX responsible, both parties continue to enable this fraudulent behavior. To be crystal clear, we have received no XXXX XXXX tickets, and we have received no refund for these six, cancelled individual tickets. Not one cent. And, its now XXXX. All we want is to recover our fraudulently taken money. 

Hopefully, CFPBs assistance can spur Chase and/or XXXX to refund our stolen money, and they can then successfully recover it from XXXX.

Company response to consumer: Closed with explanation