Consumer complaint received 2019-11-20
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. (CA)

XXXX2019 Instead of executing my dispute in good faith and crediting my account for the disputed amount Chase bank ( JPMCB ) did without good cause decide against me unilaterally without due process and refused to file my dispute with XXXX XXXX. 

Chase bank claims I accept the alternate accommodation which is absurd, the room I got is not worth what they charged me says so on XXXXXXXX XXXX website, so XXXX XXXX did intentionally defraud me. There where not other Hotel rooms equivalent to what I paid for available at the time of my reservation that is why I did not get the room I paid for, XXXX said so. Had XXXX offer me a refund on the spot, as XXXX XXXX should of, as XXXX admit the over booked my room on intentionally ; then I would not be entitled to damages for abusing the reservation system intentionally. At the time a year it would have be hard to impossible to get a room any where on Hawaii at any price without notice that is why I had a reservation booked months in advance. 

Further Chase Bank refused my complaints and appeals of their decide and would not agree to follow the term and conditions of the credit card agreement ; and never agreed to file my dispute with XXXX XXXX XXXX. 

Instead of doing the right thing and completing my dispute properly and timely, Chase bank did close a {$20000.00} dollar credit card and continues to add late fees and interest to a closed account I still refuse to pay ; And are fraudulently damaging my credit out of shear spite, it will not help me to pay them in any way. 

Of the Original disputed {$550.00} with XXXX XXXX XXXX, Chase Bank now claims I owe them {$670.00} which I will not pay them either. 

XXXX Date Insert Adress here Re : About this Dear Sirs, I dispute the amount {$550.00} and now the full amount ; as I disputed amount properly I do not recognize the interest or late fees ; I will not pay them either. 

I wrote you on XXXX XX/XX/XXXX 2019 a dispute and have a complaint filed with XXXX card services # XXXX that you have violated the term and condition of the credit card agreement by not filing my dispute in good faith. You did not send my dispute to XXXX as you are required to do so, and you did not give me a copy of the XXXX response and you do not have a right to decide against me in this case. 

XXXX not owed the money because they defrauded me and Chase not owed the money because to did not handle the dispute within the term and conditions of the credit card agreement. 

I sending you and appeal of your decision very soon and I sue you in small claims as soon as I have the time. In the mean time I disputing your credit reports. I never paying you and that too bad because I liked your credit card. I am sorry you did not do the correct thing. 

Finally I complain to the CFPB and Banking regulators as soon as I have time. 

I hoping for enforcement against Chase Bank Inc. 

Sincerely, XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX # XXXX, XXXX  XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX ( and fax ) XXXX XX/XX/XXXX 2019 Chase Cardmember Services corrected amount XXXX XXXX XXXX XXXX DE XXXX XXXX Fax : XXXX Re : Disputed charges {$500.00} XX/XX/XXXX2018 and {$43.00} parking ; {$550.00} total. 

Dear Sirs, This merchant did fraudulently represent that I would receive one room type and did not provide that room type until the day after I arrived. The hotel did move me twice ( work for me on my Holiday ) on the first day, and consumed at least three hours of my time, trying fruitlessly to resolve the issue ; for which XXXX has admitted that " this is the peak season and we over booked the room '' intentionally. Never before have I arrive at a hotel an did not receive the room type I paid for, and this made for a major let down for my extraordinary expensive vacation ; these room costing on average about four time a normal room cost, at {$500.00} per day, without four times the service from the Hotel that still got paid about {$3600.00} dollars for eight nights ; even with the expected reimbursement for services not provided. 
Further the Hotel did not give me the needed late check out on the last day XX/XX/XXXX/2018 as I am XXXX and can not be in the heat and humidity due to all the medications I take. 

I flew over 2,500 hundred miles for a particular room type and view in particular, which I did not receive until the second day, therefore I expect a refund for the first Hotel room day as the Hotel did admit that they over booked the room type I wanted and could not give me the room type I paid for even after I immediately complained about my room type. Attached are pictures and prices for 5 room types, I booked the most expensive room type " Oceanfront '' for " Beachfront ''  at the time. XXXX has not denied they did not provide the room type I paid for. I did contact the XXXX XXXX management, ( XXXX XXXX ) before I left and requested an adjustment to my bill but the Hotel did refused even though they have admitted to cheating me. Not having the room type I requested available colored my whole vacation as I was not sure I would ever get the room type I paid for, and I found the Hotel service lacking for the price that I paid I would expect better service. 

Also I rented a car for 1 day only, and I willing to only pay the Hotel for the 24 hours of parking I agreed to, and XXXX did bill me twice, when I only used and agreed to 1 day of parking. The billing mistake is in the amount of {$43.00} dollars and on XX/XX/XXXX2018 is the extra charge when I did not have a rental car. Attached is the XXXX XXXX detailed billing. 

Sincerely, XXXX XXXX XXXX, XXXX.