Consumer complaint received 2015-12-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The children of XXXX and XXXX XXXX XXXX took advantage of our XXXX month intro special in XXXX and then signed their children up to continue with regular classes starting in XXXX. We billed them XXXX tuition and their children attended classes the entire month of XXXX. We billed them XXXX tuition as well and within a week of that happening XXXX XXXX contacted us saying that they never signed their children up to take classes and wanted to quit. We informed him that we need 30 days written notice to stop billing and that there was a {$150.00} per child early termination fee as stated in the contract his wife signed. We compromised with him despite his rude emails and attempt to physically bully and intimidate my husband into giving him money. We refunded the XXXX tuition payments and agreed to refund half of the {$300.00} early termination fee. He agreed to these terms and we processed the refunds. XXXX then contacted his credit card company, Chase Banks, and tried to report the XXXX tuition payments as fraud and claim that the refunds were never processed and that he never agreed to the early termination fee. We submitted all documentation including the contract, the attendance records, and the emails between us and XXXX. The initial findings of the company were in our favor and the money was re-deposited into our account. XXXX XXXX is trying to dispute the early termination fee again and despite all the documentation showing otherwise, Chase Banks has decided to just take the money out of our account and give it back to XXXX XXXX. Because of the mess this family and Chase Banks has caused, we were able to pay our employees but had forego paying myself and my husband our payroll. These tactics create a financial nightmare for businesses and cost us a lot of time and money when we have to contact our accountants and lawyers. After all that XXXX XXXX is again trying to dispute the early termination fee and even though Chase was given all the documentation showing justification for the fee and XXXX XXXX agreeing to the fee, they have taken the money out of our account again and said our documentation does n't count and only the word of their client does. When I contacted Chase to discuss this with them and offered to re-send the documentation they were extremely rude to me from the employee I started speaking with all the way up to the supervisor who was even more rude and condescending to me. In a nutshell, Chase has taken the position that they will do whatever their client wants and businesses are bad people no matter what documentation is presented to them indicating otherwise. I do not appreciate being treated this way and can not run a business when people do not pay for our services they have used and then use their credit card company to bully us and steal money from us. It is not OK to just willy-nilly take money from other people 's accounts without a valid reason, especially when they have proven their case previously.

Company response to consumer: Closed with explanation