Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: NV
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 the current holder of a Chase Freedom Visa credit card and have had a few disputes with various vendors that took place in the XXXX and XXXX of XX/XX/XXXX. These disputes ranged from poor performance on behalf of the vendors to not getting the services at all yet still being charged the full amount. I included detailed reports in filing the disputes along with supporting evidence and documentation. However, and on a consistent basis, Chase simply denied all my disputes, citing the vendors as having validly charged my account while simultaneously not providing with me any feedback, explanation or mediation at all. Upon calling the Chase Visa support center, I was encouraged to reopen the disputes but they all consistently came back as " valid '' with no clarification as to what basis the company made a ruling on. <P/>The disputes with the companies fell into the following grievances : Company 1 : A bank had me pay upfront for an appraisal of a home and an application fee to perform a refinance of said property, not warning me that the loan was subject to a very high chance of failure and that I would n't be reimbursed for the appraisal or application fee in case the refinance failed. Low and behold, it did fail and Chase held both fees as valid albeit I was led by the vendor into a refinance that had no chance of success. <P/>Company 2 : A vendor that offers unlocking of XXXX products had advertisements that led me to believe that I could unlock an XXXX I was in possession of and that I would simply have to pay upfront for the product to receive the service I wanted. A few days later they stated that the type of lock did not apply to their service and they refused to refund me, but rather gave me store credit in the case that I would need another service from them in the future. Chase refused to refund me for this as well at first, however, at a later time I did receive a refund when I redisputed the charge and only because the vendor failed to respond. <P/>Company 3 : An electrician did a sloppy, hazardous job in my home. I had photographs and a separate electrician come out to evaluate the work and left me with a detailed estimate and description on what had to be done. The estimator who wanted to correct the original vendors work would cost slightly more than what I had been charged. I submitted all of this to Chase and they ruled in the vendors favor without any explanation why. <P/>Company 4 : An online hotel booking agency somehow received a booking on the wrong date that, instead it being for a next-day reservation, booked it two weeks into the future. The next day I had to cancel that reservation but they insisted on still charging me a {$25.00} cancellation fee even though I dont recall picking the dates incorrectly, the cancellation was made within 12 hours of the booking, the incorrect dates were two weeks in advance and I dont recall ever acknowledging the payment of a cancellation fee. Chase held this charge as valid as well. <P/>I feel that Chases policy of always favoring the vendors in the matter of a known charge that either was never rendered or is of low quality is unfair to consumers and would like to ask your agency for information and help as to why theyre so one-sided when it comes to disputes. <P/>Thank you.

Company response to consumer: Closed with explanation