Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

Chase is telling me I am responsible for paying two charges to my credit card for which the merchant, XXXX XXXX, did not provide me the service and the agreed upon products. 

The one charge for {$5000.00} was for a publishing service to produce an audiobook from my manuscript. The merchant did not deliver the first deliverable of the audiobook agreement -- 3 samples of a narrator reading the first 4 pages of my book, within the agreed upon timeframe2 weeks. By then, the merchant had not delivered the deliverables for two other agreements way beyond their due date. So I terminated the audiobook agreement on XX/XX/XXXX with the merchant for breach of contract and disputed the two charges for the audiobook with Chase -- {$4600.00} and {$5000.00}. Chase credited my account for the {$4600.00} on XX/XX/XXXX but has not credited my account for the {$5000.00} to date although I have written Chase over ten letters with proof that the charge is not valid. On XXXX, Chase opened a dispute with the merchant for the {$4600.00}, even though Chase had already credited my account for that amount and I did not request it. That dispute remains open with status under merchant review. When I complained to the XXXX XXXX XXXX and the CFPB, Chases response was that the merchant had 7-8 months to complete the service. That was a lie ; the agreement says that the audiobook would be available in the market after 4-6 weeks ; the end of 6 weeks was XX/XX/XXXX, still no audiobook. Regardless, on XX/XX/XXXX, Chase closed my dispute for the {$5000.00} because the merchant reviewed your dispute, but didn't find evidence of a billing error. I believe this is code for the fraudulent merchant refuses to refund my money or else Chase screwed up in the beginning and told the merchant they were off the hook and the merchant moved the money so that Chase cant recover it. 

The second charge is for {$15000.00}. When I realized that the merchant was a fraud and never intended to provide me the services they agreed to, I terminated the Book to Film Coverage agreement for which I paid the merchant {$15000.00} to produce a screen play from my manuscript. I terminated the agreement on XX/XX/XXXX, two days after paying for the screen play, and disputed the charge with Chase. Chase told me several times that the charge was valid, with no explanation, and I was responsible for paying it even though I canceled the order two days after paying for it. When I complained to the XXXX XXXX XXXX  and the CFPB, Chases response was that the merchant had 7-8 months to complete the service. That was a lie ; I terminated the agreement two days after paying for it. Both my complaints were closed and Chase has yet to credit my account for the {$15000.00} for which I received no service or screen play. Also, it has been almost 8 months ( will be on XX/XX/XXXX ) since I submitted my manuscript to the merchant and I have received nothing. 

My lawyer advised me that, by law, Chase is required to credit my account for charges for which I never received service or products. I dont think there is anyone at Chase who knows how to resolve my dispute ; disputes with alleged publication companies are rare and I have seen many inconsistencies, incomplete investigations, errors, and mistruths coming from Chase XXXX Proof that I never received the audiobook service can be found by searching for my book on XXXX ; part of the agreement was availability in the market. The search will produce NO audiobook with the title of my book produced by XXXX XXXX. The merchant could also send Chase the audiobook and the screen play if they had produced it. 

I've attached a complete report of how Chase is breaking the law and the timeline since XX/XX/XXXX of my disputes.