Consumer complaint received 2023-11-20
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. (FL)

Consumer Financial Protection Bureau ( CFPB ) Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against XXXX and Chase Dear Consumer Financial Protection Bureau, I am filing a complaint about a deceptive sales practice by XXXX and the lack of support from Chase. The details are as follows : - Service Provider : XXXX - Credit Card Company : Chase Sapphire XXXX - Transaction Date : XX/XX/2023 - Amount : {$4900.00} I believe the sales tactics employed by XXXX during the presale event for the XXXX XXXX concert may have violated consumer protection laws. Specifically, these tactics appear to contravene state UDAP laws, which prohibit deceptive and unfair business practices. Furthermore, the promotion and advertising of the event could potentially be in violation of the Truth in Advertising Laws, as enforced by the FTC, due to the misleading sense of urgency and scarcity created. I am concerned that these practices were not only unethical but also potentially illegal under these consumer protection statutes. 

I experienced high-pressure and deceptive sales tactics during a XXXX presale for a XXXX XXXX concert. After registering for an exclusive presale code XXXX XXXX XXXX XXXX  ) and subsequently being told I wasnt selected and thus waitlisted ( XXXX XXXX  ), There were more fans registered than there are tickets available for this tour. A limited number of fans were randomly selected to get access to the sale based on ticket availability and others were placed on the waitlist, I then received a last-minute presale code within an hour of the waitlist email, creating a deceptive sense of urgency and scarcity. I purchased four tickets for {$4900.00} under stress and time pressure, with a misleading sense of exclusivity and limited availability. 

Subsequently, today. I found that identical tickets are now available for much less, suggesting a manipulative pricing strategy. This experience has caused significant financial distress, and my attempts to address this with XXXX and Chase have been unsuccessful. 

XXXX stated this is dynamic pricing and set by the artist and therefore they can not offer a refund or credit. However, none of the purchasing process, including their terms of service, Of XXXX XXXX XXXX XXXX XXXX FAQ made clear I was subject to dynamic pricing or explained that based on demand, the tickets I purchased could eventually go for half or even a quarter of what I paid. XXXX instead briefly flashed a one sentence opaque disclaimer before I was allowed to enter the queue which was actively counting down on the screen and thus facilitated this theft by deceiving me into believe I was participating in a presale exclusive to fans. 

Chase said there is no category for them to place the potential fraudulent ticket practices dispute into. They said they can put it into canceled but that would mean they would have to follow XXXX refund policy which is that there are none. I am going around in circles. 

I seek CFPB 's intervention to first examine Chase for failing to investigate my dispute which is clearly a scam. Second, investigate these sales practices for fairness and transparency and assist in resolving this matter. To be fully transparent, I want a full refund and opportunity to purchase these tickets at fair value, equal to what the person who purchases them at the lowest price pays. 

Enclosed are relevant documents, including presale communications, the purchase receipt, and evidence of the current lower ticket prices. 

Thank you for reviewing my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Terms of Use XXXX XXXX XXXX XXXX  Screenshot of supposed disclaimer which is unclear when delivered under pretenses of ticket scarcity as portrayed by presale emails. 
XXXX XXXX XXXX XXXX XXXX of Tickets now less