Consumer complaint received 2024-07-11
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. (GA)

My name is XXXX XXXX and I've been disputing a {$2300.00} transaction from XXXX  XXXX since early XX/XX/year>. XXXX  XXXX called me in XXXX, talking about selling my unused timeshare weeks. I signed up with XXXX XXXX because I had timeshares with a separate company ( XXXX XXXX ). Then, I called XXXX XXXX to confirm and found out they don't do business with XXXX XXXX and have heard a lot about customers getting scammed by them. They told me I had a 5-day, 4-night getaway package, not a timeshare someone else could buy. Once I learned this, I immediately reported the charge on my Visa credit card ( through Chase Bank ) as fraud. 
The investigation came back not as fraud according to Visa 's terms because I gave my credit card info willingly. I explained fraud can still happen even if the buyer gives their card info willingly, and they even agreed with me! But they still told me that's just Visa 's terms now ( mind you, the card is through Chase Bank, but it's a Visa card, so Chase 's dispute team is telling me this ). Chase then said it wasn't a big deal and to just refile it with the dispute department instead of fraud. I refilled the claim with the dispute department, explaining everything as clearly as possible. It got denied due to them saying " not enough evidence. '' This process went back and forth for seven times before I finally couldn't take it anymore and wrote to them that if I had to keep jumping through hoops and getting the runaround, I'd report this to the consumer bureau or possibly even sue. 
Yesterday, on XX/XX/year>, at XXXX XXXX  EST, I called Chase 's dispute team and asked to speak with a manager. Once the manager was transferred in, I explained what was going on and how the representatives from Chase were telling me my case kept getting rejected because of a lack of evidence. I even sent in my contract with XXXX XXXX, showing that I dont have a timeshare to sell and still nothing mind you, after I gave my credit card information, I haven't been able to get in contact with XXXX XXXX at all, and I have this documented in the letters I've sent to Chase 's dispute team to reopen my disputes. The manager, who said his name is XXXX and is a Dispute Account Supervisor out of the XXXX XXXX, Texas office, let me finish talking and informed me that that wasn't accurate. He said no matter what evidence I submit, I couldn't win this dispute. I was shocked! Since the beginning of this in XX/XX/year>, Chase had been telling me I just needed more evidence to win. Initially, I thought all of this was Chase 's doing, but I called later on XX/XX/year>, at XXXX XXXX  EST and spoke to another representative. He told me ( something he wasn't supposed to ) that Visa is the company conducting the dispute investigation and they're the ones ending the disputes I'm submitting, and they just send Chase their conclusion. Every time I went through the letters as to why the dispute was closed, it was always vague. I will include every case letter I have. I've had disputes completed before and they are more detailed than what I was seeing on this dispute, and I always thought that was odd. I believe my consumer rights were violated in this situation.