My doc 's must be identified by the order that I uploaded them. Namely, first doc is Exhibit XXXX ; second doc is Exhibit XXXX, etc. 
My complaint : I purchased by cash from a travel agency in NY a round-trip airline ticket ( XXXX XXXX ; itinerary Exhibit XXXX ). The outgoing flight went good. 
However, prior to my return flight ( on XXXX XXXX, 2015 ), I phoned to the airliner ( " merchant '' ) and asked its agent 3-times if I should come to the airport " today or tomorrow '', to which he replied " tomorrow ''. 
However, when I came to the airport " tomorrow '' ( XXXX XXXX, 2015 ), I was told that my flight was yesterday, and I missed it, and to contact the merchant to tell my story. 
Thereafter, I exchanged money at the airport ( Exhibit XXXX ), and took the train back to my place ( train ticket, Exhibit XXXX ). 
I emailed to the merchant, told it my story, and asked it to listen to its airline-recording ( " recording '' ) between me and its agent to verify that he mislead me, and I asked it to issue me a new return ticket. 
The merchant refused to listen to the recording, and refused to email it to me by all kind of invalid excuses, and refused to issue me a new return ticket. 
Left with no choice, I purchased by a credit card ( " Chase '' ) a return flight ( XXXX ) at the merchant 's website ( {$370.00} ) - it 's the amount I dispute with Chase. 
Upon my arrival to NY, I told Chase not to pay that charge to the merchant because it is a corrupt merchant, as it did n't even bother to listen to the recording and refused to issue me a new ticket. 
I mailed to chase a website-link showing that the merchant has bad record of doing such pattern of tricks to other passengers, including not responding to their emails, and including not even responding to the XXXX investigations of passengers ' complaints against it. Here is that link : XXXX I also mailed to Chase a proof that I emailed to the merchant, and gave it 30 days to respond, and I asked it therein to email me said recording, and if it refuses, to tell me why so. I also told it that if it wo n't respond it 'll be in default, and it would mean that it admits to my complaint against it. 
The merchant did n't respond whatsoever to my email, which means that it entirely-admitted to my complaint against it. 
Thereafter, I told Chase to email to the merchant and ask it for the recording, or for the reason it refuses to email it to us, but Chase refuses to contact it. Hence, Chase did n't even bother to investigate my complaint! 
Chase 's response : In their letter of XXXX XXXX, 2015, it states that it denies my claim because : " As explained * * * your flight was purchased with cash and we will not providing a credit. '' However, contrary to Chase, there is no record whatsoever that I ever asked it for credit for the first ticket which I purchased by cash ( it also ludicrous to believe that I 'm so stupid to ask a credit for my cash purchase ), but rather I 've asked it for a credit for my second ticket which was purchased by their credit card! Hence, its response is completely irrelevant on the face of it, and must be reversed ( I 've made all those arguments in my XXXX second dispute-papers to Chase, Exhibit XXXX ). Conclusions : The merchant has record of not responding to it passengers ' complaints and emails ; Chase knows that merchant 's default to respond to my email means its admission to my complaint ; Chase knows that a fair airliner should 've issued me a new ticket because its agent mislead me ; Chase knows that the merchant violated aviation, and all rules of fair business practices, including Chase 's ; Chase interested that the charge wo n't be removed in order to charge me interest upon it, and thus, Chase proves that its decision is unfair and biased!