I have been a customer of Chase for several years now. I have both a mortgage with Chase and an XXXX Chase XXXX. I have consistently paid more than the amount reflected on each month 's Chase XXXX statement. I also pay 2 months mortgage plus contribute to my escrow account each time I make payment. Currently, my credit score is XXXX according to XXXX. I have been a customer in good standing until I was called by XXXX XXXX, aka XXXX XXXX. 

After seeing an infomercial on TV, I called to ask a technical question about the product. The individual who answered my call clearly did not know anything about the product ; he was merely an order taker. I told him that if he didn't know anything about the product he was selling, then I was not interested in the product. Approximately, 10 or 20 minutes later I got a call from a woman who told me that she noticed that I had called regarding the XXXX   and that I had not placed an order. I told her I was only interested in learning the technical aspects of the product. She proceeded to conduct a hard sell. She answered my question and told me that if I did not " love '' the XXXX that I could return it after for 30 days at no out-of-pocket expense ( including shipping to return it ; I specifically asked her ). I agreed to try it for 30 days. She proceeded to sell me other products and asked me if I would like to purchase the XXXX for my friends. I declined. However, I did agree to an extended 5-year warranty, which was part of the total price of {$150.00}. 

When I received the item the XXXX came to me in a plain shipping box. The XXXX was not packaged in any type of professional manufacturer 's packaging. The cord was loose, the items scattered in the shipping box. Also, according to the directions, the XXXX was supposed be given time to warm up. The XXXX I received did not require warm up time. 
Three days after purchase, I called to request a return authorization form. I was told that I would have to return it at my own expense ; whereupon an argument ensued. I often record telephone conversations, however at the time I placed the order for the XXXX, I was not prepared to record the conversation. So, I lied and told the woman that I would be happy to replay the conversation of the original order where the seller told me that there would be no out-of-pocket expense to return the item, if it was returned within the 30-day trial period. She immediately told me that since I was recording the conversation ( which I was not ), she could no longer speak with me and hung up. They have since blocked my telephone number, I am unable to contact them. 

I reported this to Chase and disputed the charge. They see fit to honor this merchant. Clearly Chase does not respect customers in good standing. 

I have investigated XXXX XXXX, aka XXXX XXXX and learned that there have been many complaints against them. The Securities and Exchange Commission sued them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am investigating whether I can join a class action against this merchant. It surprises me that their infomercials continue to be run on TV. 
It is worth noting this website : XXXX XXXX XXXX I do not want Chase to damage my credit rating over fraudulent selling practices which should not be supported nor allowed to continue. 

I hope you can help me resolve this matter.