Consumer complaint received 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : Below you will find a timeline of the events that occurred and the explanation for the files presented. We ask to please read through all of this and see the proof that we provided the product and service that was requested by XXXX XXXX. 

XX/XX/year> XXXX XXXX reached out to us to inquire about purchasing our product for his store in XXXX. We responded with pricing. 
He proceeded to give us the order confirmation as well as instructions on how he would like it shipped. He wanted us to use a specific shipper that he mentions in the email thread. Email thread is attached under file name " XXXX XXXX. '' XX/XX/year> We then reached out to XXXX desired shipping company to get quote and in which he provided to us with payment information. Email thread is attached under file name XXXX XXXX. 

XX/XX/year> We ask XXXX XXXX for a requote because XXXX increased his order. He provides requote same day. 

XX/XX/year> XXXX confirms that he received payment link sent through XXXX  to his email address. Originally he wanted to procees payment with credit card, but then switch to ACH transfer unbeknownst to us. 

XX/XX/year> Payment made by XXXX through the XXXX  XXXX, which he also confirmed in email thread. He paid the invoice through the link we sent him directly from XXXX. 

XX/XX/year> We made payment to the shipping company that was requested by XXXX XXXX via wire transfer to XXXX XXXX Account. ( see attached wire transfer file named Shipment Payment. ). If needed, we can also provide bank statements showing this transfer payment. 

XX/XX/year> - XXXX places two more orders, double the size. We ask his shipper for a quote and he gives it to us. We send XXXX the quickbooks link to pay and he pays immediately. 

XX/XX/year> First shipment was picked up from our warehouse - 22 boxes shipped in a pallet. 2nd order is paid to shipper via wire transfer ( see attached " 2nd shipment payment. '' ) XX/XX/year>- XXXX recalls the payment from the second order. We ask shipper to send us back money but he starts to ask us for XXXX gift card so that he can update his phone to send us back the money, which is a clear indication that this fraud. 

XX/XX/year> A claim is made by XXXX to have his first payment returned despite us having delivered on order, nearly TWO MONTHS LATER. 

In XXXX  Terms of Service it states the following : Section B.3. ACH or Credit Card Payment Authorization. You may pay the merchant via electronic fund transfer ( or ACH ) from a valid U.S. bank account or using a credit card. You must provide verifiable bank account information to pay the merchant via ACH. By using the Payment Service, you authorize XXXX to validate and debit your bank account or credit card for all invoice payments you initiate using the Payment Service. You understand that XXXX may not support all credit cards types or brands. 

He placed his banking information and agreed to these terms.

Company response to consumer: Closed with explanation