Consumer complaint received 2024-10-22
Product: Credit 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. (NY)

I have reached out to chase on numerous occasions over the course of the past 5 months about a dispute of the transaction on my account. While I was reassured that the issue would be resolved in my favor and while I received a letter confirming the resolution, my account was initially not credited. I have submitted several complaints and the dispute appeared to be resolved after. However, there has been a rebill transaction on my account on XX/XX/XXXX which chase did not notify me about. When I reached out to them about this, they stated that the investigation was resolved in the merchant 's favor. When I inquired about why I was not notified about this ( it's now been two weeks ) or if I could see the proof supporting this decision, I was notified that they could not provide it at this time. 
I, in good faith, have provided all of the proof needed to resolve this matter ( communications with the company whose charge I am disputing ). 
The issue is as follows : I purchased a yearly professional electronic records system subscription ( XXXX XXXX ) in XXXXXXXX XXXX XXXX 
The electronic health records system was purchased by another company and it promised a prorated refund as XXXX was to stop access to my account on XX/XX/XXXX. While my account was credited for {$950.00} in XXXX by XXXX, the credit was then reversed by the company ( in the same amount, my credit card was charged by them and the transaction was marked as reversal ). 
I then reached out to Chase and have all supporting documentation to support the dispute of the initial ( XXXX ) transaction and receive a prorated refund. I in fact received a letter from chase stating that the XXXX transaction dispute was credited but it really wasn't. Chase representative today told me that staff saw the luminello transaction and this led them to believe that this was the credit ( this is clearly not what I communicated to chase on multiple occasions previously ). 
The charges are as above : XX/XX/XXXX - charged by XXXX {$1400.00} for a 12 month transaction XX/XX/XXXX - luminello refund {$950.00} ( I think it posted on XX/XX/XXXX ) XX/XX/XXXX - luminello charge {$950.00} ( I think it posted on XX/XX/XXXX and is marked as reversal ) XX/XX/XXXX - I called XXXX and explained the situation, they saw the charges and acknowledged that this is a concern and that a dispute will be started, they also told me to call in the morning to speak to the dispute XXXX XX/XX/XXXX - I spoke to dispute XXXX and they told me I am likely to win the dispute XX/XX/XXXX - Chase sent me letter saying they won the dispute and that the amount would be credited to my account. As of XX/XX/XXXX there was no refund on my account and so I submitted a complaint to CFPB. Chase were able to resolve this and credited my account in the summer. 
XX/XX/XXXX a XXXX XXXX XXXX charge posts on my account backdated ( as if it was charged in XXXXXXXX XXXX XXXXXXXX ). I go to speak with chase employee on XX/XX/XXXX and am notified that chase conducted an investigation and resolved this issue in merchants favor. 
As of today, the merchant holds on to all of my yearly subscription and only provided services for several months. Chase have failed to resolve this in my favor or notify me about their dispute resolution reversal despite my providing the proof of company 's cessation to provide services to me.