Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
My husband and I were lured into an appointment with XXXX XXXX XXXX/XXXX XXXX XXXX ( XX/XX/18 ) who offered to liquidate our time share. While negotiating they agreed to eliminate charges. When signing the document, I asked why the charges were being added back in, they said it is just how the document had to be written. We went home and discussed it for several days and decided to check the internet and found the company had major complaints on their own website besides an F rating by the XXXX. 
On XX/XX/18 spoke with XXXX XXXX XXXX and found that the services cost way less. I contacted Chase Card Services immediately to dispute the charges and emailed XXXX XXXX XXXX  to tell them we were rescinding the agreement. XXXX at Chase card Services told me I would get a temporary credit for 7-10 business days and see how the company responded. The company hadn't  responded in the time frame and I contacted Chase to find out where we were at. That agent told me they had 30 days to respond. At the end of 30 days I contacted Chase again and then I was told the company had a complete billing cycle to respond and they would contact me when the company responded. All during this time, XXXX at XXXX was arguing with me about how much work they had done and that at the end of their services I would have to pay all the money I had been discounted at the meeting. 
When I finally received notification from Chase they stated that we were responsible to pay the company in full that we rescinded outside of the time frame, but we could dispute it further. Our first written ( very long ) dispute was sent certified letter and we were waiting for a response from Chase. A long time had passed so I contacted Chase to see where we were with the dispute. They informed me it was closed because of lack of response from us. I told them I sent it Certified Mail and could prove it. They said okay, we will open it again just send it again. So I did. 
Again, they denied our dispute claiming that we were bound by the contract. We sent another dispute further detailing why we shouldn't be held liable. Again, they denied the dispute. Finally we sat down and looked at the Timeshare Resolution Services   part of the contract ( which we initialed ) : XXXX. I/We in the event of rescission of the contract, a 20 % charge will be assessed to recover costs incurred to process the contract*** This is what we agreed upon. So we sent another dispute ( XX/XX/18 ) to Chase Card Services ( we can provide the claim # ) explaining that the only amount we were responsible for was the 20 % which would only be {$1000.00}. And Chase denied us again ( XX/XX/18 ). 
While all this is going on XXXX XXXX XXXX  sends us " Warranty Deed '' for us to sign to continue the original contract. There were so many unfilled spaces on this contract it might as well have been a target at the shooting range. We sent a copy of it to XXXX XXXX XXXX and they circled a ton of things wrong with the contract and called us to let us know that my husband was actually named as the preparer of the Deed to boot. 
Both Chase Card Services and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) have handled this agreement totally wrong. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) are rooking people ( older people like ourselves ) out of hard earned money on the guise that they can effectively terminate a Timeshare Contract when they can't even properly fill out a contract much less provide an appropriate legal service and don't know how to treat customers. 
Chase Card Services has allowed an " unauthorized charge '' to continue when we have clearly stated rationale that would prove the company is rooking us! 

I hope I have attached all the files necessary for this to move forward.

Company response to consumer: Closed with explanation