Consumer complaint received 2020-05-28
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. (VA)

My girlfriend at the time and I were leaving a XXXX XXXX  game while vacationing in XXXX last fall ( XX/XX/2019 ) .. As we were leaving we decided to take a bike taxi to the XXXX lot which is .2 miles from the stadium. As we got on the back of the bike, the driver told us it would be {$25.00} total ... Once we arrived at the lot ( Less than 5 minutes later ), he then expressed it would be {$50.00}, {$25.00} each is what he meant ... I agreed and handed him my Chase Amazon Rewards Visa Credit card which he swiped a few times, and then returned back to me. After we hopped in the XXXX we stopped at XXXX downtown to grab a late night meal, where I received a Chase notification on my phone regarding my card 's purchase ( s ) ... The first charge was accurate of {$50.00}, then a XXXX of {$450.00} was also added. I immediately contacted Chase to dispute, but was unable to fix due to the weekend hours. However a couple of days later, a rep from Chase Dispute team called me to let me know they would be refunding the money ... About 2 weeks later I noticed the charge back on my card and reached out to both the merchant ( XXXX XXXX ) and Chase to confirm this was a fraudulent/accidental charge, and worked with the manager at XXXX to track down the driver and confirm with him this was a mistake on his part and that I was NOT responsible for the absurd charge. After submitting 3 dispute forms to Chase, they told me to go away and that they had enough info to validate these charges as valid ( even with texts, screenshots, and a XXXX dispute they submitted attached to the document ) -- Since then, I have not heard anything back from them and they threatened me with a note saying if I call on this again, they will mark notes of my annoyance in my file and could possibly lead to an issue. 

My ex-girlfriend who was with me the whole way through this night would attest to this irrational justification of a {$500.00} bike/taxi ride that traveled a total of .2 mile, as provided on the map on the forms ) XXXX was very upfront with me and although they did not refund the money, they did submit a dispute to XXXX ( card processing POS used after bike taxi ride ) which was evaluated by the XXXX team who was then going to reach out to the team at Chase directly to discuss, but I am assuming their dispute request and correspondence was either ignored or denied without much attention or care about the result for the customer. Leaving myself with no resolution and still dealing with the issue today. The Merchant/Bike Driver clearly entered " Yes '' on the original form Chase sent to them to complete and return stating if this was a mistake charge that is fraudulent and not accurate ... mistake,, as well as provide their contact information should they feel the need to reach out for more information and validity of the admittance this was NOT an authorized charge by me .... 

The Chase dispute team has been an absolute nightmare to deal with, and has left a disappointing experience for myself and the others I have shared the story with out of frustration .... I would assume these big banks would at least have their customers back on a dispute ( The only one they have ever submitted & which had proof from the merchant in writing stating the mistake, as well as their contact information to reach out if they needed to ask anymore questions to confirm the validity of charges ) This chargeback put my credit card balance above my credit limit which then began to accrue higher interests and an inability to pay back / make a dent in the balance owed because of the high minimum payments in place ...