Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I visited XXXX XXXX XXXX on XX/XX/XXXX to discuss treatments for my thighs. I paid my first payment of {$850.00} with a convenience fee of {$30.00} for a total of {$880.00} with my debit card towards my balance of approximately {$4300.00}. I texted the owner, XXXX XXXX, on XX/XX/XXXX to let her know i would not be moving forward with the treatment and asked for a refund. I then emailed her on XX/XX/XXXX when I did not receive a response. She replied that she would take care of everything right away. When I didnt not receive my refund i submitted a chargeback to Chase . I received a temporary credit only for it to be reversed on XX/XX/XXXX because with the explanation of We found that the transaction ( s ) was processed according to the information you provided or was authorized. 1. I paid for a service I did not receive. 2. I didnt not receive notification electronically based on my correspondence preference. 3. I have yet to request the documentation the business provided in which they based made their decision on. Chase violated the following regulations : 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing From Title 15COMMERCE AND TRADECHAPTER 41CONSUMER CREDIT PROTECTIONSUBCHAPTER ICONSUMER CREDIT COST DISCLOSURE 1666. Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ( B ) ( ii ) In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

12 CFR Part 1005 ( Regulation E ) 1005.4 General disclosure requirements ; jointly offered services.

( a ) ( 1 ) Form of disclosures. Disclosures required under this part shall be clear and readily understandable, in writing, and in a form the consumer may keep, except as otherwise provided in this part. The disclosures required by this part may be provided to the consumer in electronic form, subject to compliance with the consumer-consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ). A financial institution may use commonly accepted or readily understandable abbreviations in complying with the disclosure requirements of this part.

1005.11 Procedures for resolving errors.

( d ) Official interpretation of 11 ( d ) ( 1 ) Written Explanation 1. Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes.

Company response to consumer: Closed with explanation