Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year>, I used XXXX Pay to purchase a set of 8 books from a seller named XXXX for {$220.00} from XXXX XXXX XXXX in XXXX, FL. She had stated they would be received by XX/XX/year>, by way of USPS and provided a tracking number for the purchase. In the attached correspondence labeled XXXX XXXX XXXX she took a picture and provided the tracking number below XXXX. 

On XX/XX/year>, she sent a message stating she dropped the package off at her local USPS office, however, the provided tracking was not updated and stated they were awaiting the item. 

On XX/XX/year>, I contacted her again to see if there was an update on the package and to let her know the status of the package had not changed from USPS Awaiting Item. She stated she would check with the post office and see what was going on. She did not respond to me until XX/XX/year>, after I asked her why the books were back up for sale. She stated she had another set that she was selling online and did not provide an update on the package. 

On XX/XX/year>, and XX/XX/year>, I reached out to her again to see if there was an update and when she responded to me on XX/XX/year>, she stated she would contact them that day. 

I continued to reach out to the seller on XX/XX/year>, XX/XX/year>, and XX/XX/year>. She responded to me on XX/XX/year>, stating she would head up there the next day. I continued to try and contact her on XX/XX/year>, and XX/XX/year>. She responded on XX/XX/year>, and stated that her post office is just really slow. 

I reached out to her on XX/XX/year>, and asked her for an update because at this point it has been 3 weeks since the purchase and I have not received the product I paid for. She responded stating she was on the way there, however, there was no response after that. 

I contacted her once more on XX/XX/year>, and she was once again driving to the post office, with no other response from her that day. On XX/XX/year>, and XX/XX/year>, I attempted to contact her multiple times with no response. On XX/XX/year>, I messaged her multiple times and asked for a refund. She responded that day with another reason as to why they were not shipped. After this all conversations stopped because now, I know I have been scammed. 

During this time, I had my concerns and on XX/XX/year>, I contacted Chase to file a billing dispute because I had not received my items in the mail. Claim number XXXX was filed that same day. On XX/XX/year>, I received the enclosed letter stating the claim had been denied because the transaction was authorized. 

On XX/XX/year>, I called Chase XXXX XXXX and was connected to XXXX @ XXXX. I wanted to confirm who I spoke to and filed the claim with and if the claim was filed as a Billing Dispute or a Fraud Claim because of the verbiage that was in the letter I received on XX/XX/year>, seemed more like a Fraud Claim. XXXX refused to provide the requested information and stated the claim was neither a Fraud Claim nor a Billing Dispute. When I requested the claim be reconsidered, XXXX refused and stated the claim can only be reviewed once. 

I understand I authorized the transaction, but I have not received what I paid for. I am just trying to get my money back because I have not received the item I purchased, and the seller is not responding and refusing me a refund. {$220.00} is not a small amount of money for me right now and I understand now I have to be way more careful with online purchases like this.