Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased XXXX flat irons from a mall kiosk on XXXX XXXX, 2016 at XXXX for {$270.00}. XXXX for me and XXXX for my daughter. After spending an hour at the kiosk while the lady selling the product used the demo to straighten my daughters hair as well as mine, I decided to buy them. The demo iron she used worked wonderfully on our hair. She even pointed out how it steamed and it was taking the moisture out of the hair therefore not causing damage. It was supposed to make the hair healthier and not damage it like other irons. I was hesitant at first, but she kept lowering the price and telling me she would give me a GREAT deal. Since the demonstration worked so well I went ahead and purchased the irons. I got home and the next day I washed my hair and used the iron and right away noticed it was nothing close to the one she was using for the demo in the mall. There was no steam and it did n't straighten my hair as fast as the one she used. I went back to the mall and tried to return the products to the merchant and they told me they only would exchange the product for a different one and there were no refunds. Before I bought the irons the return policy was not stated nor was it posted. It was only printed at the bottom of the receipt AFTER I had already purchased it. Red flag right there because most places that sell products will back them up with a guarantee. I explained that I did not want another product that did n't work as advertised. I told the merchant I would be starting a dispute with my bank and gave them another chance to refund my money and let me give the products back. I called my bank immediately and wanted to start a dispute. I waited the time period they told me to before they could start the dispute. They temporarily put the credit back into my account while they investigated. As a consumer it states that if you feel a product is n't the quality that was advertised you have the right to dispute. And this was the case here. I continued using th iron and it started making my hair break off. The lady also claimed the plates were ceramic and would n't break but after about a week, one of the plates actually broke in half. I stopped using it and went back to using my old one because I could n't afford for my hair to be any more damaged. I received a message that the dispute was closed from Chase and they said that the merchant said they already gave me the products and they only accept exchanges. I called chase to ask if there was anything else I could do because all I want is to return the products and get my money back because I am now left XXXX $ Short and with XXXX products I ca n't use because of the quality of the items not being what I thought I was buying. I would like to see Chase help their customer out by helping me as a consumer who was wronged by a merchant. If I would have used a major credit card I feel I would have more backing as a consumer. I used my bank card as a credit card so I should have the same rights.

Company response to consumer: Closed with explanation