Consumer complaint received 2017-01-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I purchased a scooter from a scooter dealer named XXXX XXXX. XXXX XXXX of XXXX delivered the bike to me the evening of XX/XX/XXXX. As he removed the bike from his truck he mentioned it was making a noise when he test drove it, but since the bike had a 2 year warranty, to drive it and see if it would work itself out. He was not gone 20 minutes and I notice a cable dangling from below the bike. I snapped a photo and sent him a text asking him if this was supposed to be hanging like this. He never responded, so I pushed the cable up inside the bike with my hand hoping it went where it was supposed to go. The same evening I notice the bike making a terrible rattling noise. I took a video and sent it to him and his reply was " get some electrical tape and tape it up to muffle the noise '' I decided to call him the following day ( Thursday, XX/XX/XXXX ) and he begins insulting me and telling me to " just drive the XXXX thing XXXX-XXXX miles before I call him. '' He says that I am seeking perfection and I am not going to get perfection from a plastic scooter. The following Saturday, XX/XX/XXXX, we contact XXXX XXXX again and this time he begins to threaten us with saying that he is an XXXX and does not take any " XXXX '' - we are in disbelief that we are being treated this way. On Monday, XX/XX/XXXX, I decide to contact Chase and tell them what is transpiring with this merchant. Chase recommends that I have the bike delivered back to the merchant. I contact a professional motorcycle towing company and pay then {$180.00} to have my bike re-delivered back on Thursday, XX/XX/XXXX to the merchant per Chase 's recommendation so that they can apply a charge back. The merchant went ballistic and threatened to slash the motorcycle towing company 's tires who were hired to deliver back the bikes. The same day, I receive an email from this merchant saying that he now has my bike and will be charging me $ XXXX day plus additional fee 's and will not release the merchandise until it is picked up in person with all fee 's paid, and also threatens to put the bike in the city pound. He very well could have chose to look at the bike while he had it now back in his possession, but instead decides to be ugly and hold my bike hostage after he received Chases back charges. After the merchant has his bike back, he continues to send me threatening emails. I continued to send Chase every email he had sent to keep them informed that he was holding the merchandise for ransom. After the bike is now back with merchant, Chase sends me a letter telling me that they now need a 2nd opinion letter on the merchandise in order to continue the dispute. I explain to Chase that the merchant has chosen to be ugly and will not release the bike for a second opinion. I After all, the bike was sent back because Chase asked me to send it back to the merchant. Although, Chase was well aware that the merchant was not going to work with me nor give me back my bike, because I can not get a 2nd opinion letter for my bike Chase reverses the charges back to my card so now the merchant has my bike and i am out {$3300.00} for merchandise I do not have. I am at a total loss and find it very difficult that Chase can not see the position that they placed me in when they asked me to return the bike and not expect me to pay for something I do not have. I refuse to pay for something I do not have. The bike was never registered in my name, I have no title, I have no contract from this merchant. I merely have a sales slip for my purchase in the amount of {$3300.00}. After doing additional background research on this dealer, I learn he is a convicted felon - and to be honest I am now afraid to confront him for my own safety. In summary, Chase Bank should have told me initially that a 2nd opinion letter was needed before they told me to return the bike.