Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OH)

I hired a contractor that started working on my home, he did not show up regularly, the work that he was doing was horrible and he stopped showing up. He charged XXXX within 5 weeks of a project where he was only XXXX of the way through and even then all of that work that XXXX XXXX did had to be completely redone by other tilers, carpenters, painters, and electricians and to estimate the total will be approximately XXXX and I have already paid {$8000.00}. The building department filed a citation and fine since he did electrical work that did not meet the electrical code. I have submitted all of this to my credit card company CHASE BANK and they have been horrible to work with. They have recharged me for the work and are not giving me my money back. 
This pertains to card numbers XXXX XXXX XXXX XXXX visa {$3500.00} to XXXX XXXX XXXX XXXX XXXX visa {$3500.00} to XXXX XXXX XXXX XXXX XXXX visa {$4000.00} to XXXX XXXX Chase bank has not reviewed my information. I have sent my quotes for future work where the contract needed to be completed, bills that i had to pay for people to finish and redo the work. Letter from the building inspector to show that there is a violation with the electrical work and all of my walls and ceilings need to be reopened to do the work properly and in code - this is going to cost me thousands of dollars again, since I just paid other contractors to drywall and repaint my walls and ceilings. I had to have my new kitchen cabinets torn down to redo the electrical work. Chase has recharged me XXXX on my cards. Also, they got a response from the merchant saying they do n't agree, so they charged my account again. Of course they do n't agree - they stole XXXX. They want to keep it. Why would I be hiring carpenters and tilers and electricians if they had finished the work at all or did qualified work. Why would they be cited and fined by the city if they had done their work correctly. The building inspector told me to call the prosecutor because this is grand theft and fraud. It is being reviewed by the prosecutor now. If Chase Bank does not protect its customers from these shady characters that prey upon people and demand XXXX of the money even before they are XXXX of the way with the project that is a bad sign alone - these shady characters will do this again to someone else. I provided all materials so it was pure profit for them. They made a fortune and did not perform the work and made more money in several weeks than they did that year! 

Chase seems to favor the merchant. They gave XXXX XXXX and XXXX XXXX billing cycles to respond and gave me about a week to respond. They sent me a letter dated XXXX XXXX and it was mailed on the XXXX and it arrived approximately the XXXX. I got back to town on the XXXX. and they wanted it back by XXXX XXXX. Ridiculous. Unfair to the customer. 

Chase Bank seems to be completely confused when I call and they just give canned answers and you can not talk to the same person again even if you ask for them. These disputes make the customer feel like we are treated like cattle and they do not really look at the documents with any depth or understanding from the consumers standpoint and it leaves the customer with little hope even though with every call they say " I am so sorry that you are going through this and rest assured we will do all that we can to protect you '' when they do nothing like that. 
I would also like to point out - who is the heck is XXXX? The contract was written on XXXX XXXX and XXXX XXXX is who I hired and he did the work. XXXX XXXX is also NOT licensed or bonded or insured - complete opposite of what he represented to me when he provided me with the contract. The licensed bonded company is XXXX XXXX and they are not on my credit card. Very suspicious