Consumer complaint received 2023-07-27
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. (GA)

I am reaching out to the CFPB as both parties involved ( Chase Freedom credit card and XXXX  ) have not resolved my issue and this has been going on for over a year and a half. I find that government intervention may be able to fast track either party making me whole. I originally disputed the XXXX charge on my Chase freedom credit card for a fare difference. The receipt I was given at time of purchase stated XXXX yet I was charged {$980.00}, this was due to a currency conversion ( pounds into US dollars ) so that original dispute was re-charged to my freedom account, which was fine as the error was on my part. The reason I RE-disputed the same charge ( without success ) is as follows. XX/XX/2021 I logged into the XXXX XXXX to attempt to select my seats for my flights. I was instructed that I needed to manage reservations via the airline carriers, which was fine ( so I thought ). I entered the confirmation # s provided by XXXX at both United and XXXX XXXX and resulted in trips not found. I called both airlines, United airlines told me that there was no reservation and no flight under my name and confirmation number but that they could see it was originally booked by a " travel agent '' but had since been cancelled. I NEVER requested a cancellation. XXXX XXXX was less helpful and said there isnt anything they can do and that I dont have a booking. I went back to the XXXX site to do some investigating while being on hold with their customer service for 26 min ( I have an {$81.00} international phone charge from XXXX to show it ). They never answered so I browsed the site trying to glean any information that I could. The last screen shot is the information that I found, essentially stating that since I disputed the charge originally that it was now in the hands of my bank. So now I have {$980.00} charged to my card but have no product/service to show for it. As you can see from the screenshots my flight was supposed to be in less than a month and I had to purchase new flights. I am being held liable for a purchase that resulted in no goods or services being rendered. Both Chase Freedom and XXXX continue to say the other party has to resolve and this has been going on back and forth for over a year and half. I've accrued insane interest charges, negative credit reporting and a have not been able to use my credit card in the way which I intend due to this charge continuing to sit there. I ask that this issue be resolved immediately as it is an unfair deceptive and abusive practice. I'm stuck in the midst of a " he say/she say '' battle between two companies resulting in an undue burden to myself. I've attached screenshots of documents and confirmation # s and subsequent cancellations and can provide the email trail with XXXX if necessary. They have since changed their " communication '' model and you can no longer communicate via email with a service representative for them so it is incredibly difficult to contact. That said, they've made it clear that it's on Chase to resolve the issue. Chase is refusing to do anything.