Consumer complaint received 2023-04-09
Company: JPMORGAN CHASE & CO.
State: UT
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:
On XX/XX/XXXXXXXX XXXX I sent over funds to " XXXX XXXX '' in the amount of XXXX dollars on my Chase Freedom card for the acquisition of a rental property in XXXX, XXXX for subletting on XXXX. The rental property was never secured with a signed lease from either myself or the landlord violating the " General Service Agreement '' I signed electronically on XX/XX/XXXX. Additionally, services that were promised to be rendered in regards to management of the rental property were also violated several times. I was coordinating correspondence with XXXX XXXX almost solely through a client manager named XXXX XXXX, who quit working with XXXX XXXX on XX/XX/XXXX due to unethical and unprofessional business practices. I " lost '' the property I never actually had, without a signed lease agreement, on XX/XX/XXXX XXXX XXXXXXXX was in contact with the other investors who also conveniently lost their properties after a short acquisition period or never had a property to begin with and also experienced similar management issues. I was able to speak with the other investors and came to the conclusion we had all fallen for the same scam. We all now want to pursue legal action against XXXX XXXX. On XX/XX/XXXX I filed a dispute with Chase Bank for services not provided, because there was no lease agreement in place, thereby rendering the whole transaction as faulty. XXXX XXXX responded with documentation of the " General Service Agreement '' I did sign electronically and another document I never signed titled " Delivery and Completion of Services '' with the same electronic signature as the one on the " General Service Agreement '' and a " Lease Agreement '' with the same, but visibly blurred and darkened electronic signature as on the " General Service Agreement ''. XXXX XXXX was only able to provide one Certificate of Completion from Docusign for the " General Service Agreement '', because I never signed the other two documents. Chase denied my dispute because of the falsified documentation submitted by XXXX XXXX on XX/XX/XXXX XXXX with the statement that services had been provided. I therefore, reopened the dispute under the premise that services were not as promised and submitted my own documentation with multiple forms of correspondence stating I'd never signed a lease and documentation of the other investors ' experience 's mirroring my own. I was again denied under the pretense of needing to file within 90 days of the original charge, which I previously had adhered to. The forgery committed by XXXX XXXX on a significantly legal document interfered with normal legal proceedings and investigations conducted by the Chase Bank Dispute Department, originally filed on XXXX XXXXXXXX This week, I noticed the specific forgery mishap XXXX XXXX created when he copied my electronic signature. Each electronic signature should have a unique number and certificate of completion, but the " Lease Agreement '' and the " Delivery and Completion of Services '' forms did not have unique numbers or Certificates of Completion. Furthermore, the Certificate of Completion, lists how many pages are contained in the document. " The General Service Agreement '' was comprised of six pages as shown on the Certificate of Completion and therefore couldn't have the " Lease Agreement '' or the " Delivery of Completion of Services '' contained within the same document. The " Lease Agreement '' was composed of six pages and the " Delivery of Completion of Services '' was comprised of one page, respectively. With this concrete evidence in hand, I have submitted a police report on XX/XX/XXXX XXXX against XXXX XXXX for criminal charges of forgery on a legally significant and potentially binding document interfering with a credit card dispute with case number XXXX.

Company response to consumer: Closed with explanation