Consumer complaint received 2026-04-23 00:00:00
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.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was solicited by an unsolicited telemarketing call from XXXX XXXX XXXX ( operating as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). The merchant claimed to be a XXXX rental listing service that would market my XXXX XXXX XXXX XXXX weeks to corporate clients, with a guaranteed minimum return of {$2100.00} per week. Under high-pressure sales tactics during an approximately XXXX call, I agreed to pay a {$3500.00} one-time subscription fee and signed a contract electronically at XXXX XXXX PST. The contract contained an explicit three-day cancellation window. On XX/XX/XXXX at XXXX XXXX CST XXXX days after signing I called the merchant 's automated cancellation line as specified in the contract. The system issued me a cancellation confirmation number ( XXXX ) and recorded my cancellation request. I followed the merchant 's own cancellation process exactly. No refund was ever issued. On XX/XX/XXXX at XXXX XXXX CST, I also called Chase to report the charge as suspicious, along with a related charge from a second merchant. Chase opened a fraud investigation, issued a provisional credit, and replaced my card. I received no contact from Chase during the investigation, asking for my evidence or account of events. On XX/XX/XXXX, Chase sent me a letter stating the investigation was complete and that I was responsible for the {$3500.00} charge. The stated reason was : XXXXYou received benefit from this transaction. ' The provisional credit was reversed, and the charge was rebilled to my account. I was not given an opportunity to provide my cancellation evidence before Chase made this determination. On XX/XX/XXXX, I called Chase to reopen the dispute. The representative acknowledged the case had been declined by XXXX and told me I needed to provide a detailed service description to attempt to reopen it. I am providing that documentation now, along with this CFPB complaint. WHY CHASE 'S HANDLING WAS IMPROPER : XXXX. Chase 's 'benefit received " determination is factually incorrect. From the date I signed the contract to the present day, I have received XXXX rental offers, XXXX inquiries, XXXX payments, and XXXX follow-up communications from The XXXX XXXX XXXX No service was performed. XXXX. I canceled within the merchant 's own contractual three-day window. The merchant 's automated system confirmed the cancellation and issued confirmation number XXXX. A valid cancellation with merchant-issued confirmation is not 'receiving benefit. ' XXXX. The correct dispute classification is XXXX XXXX Code XXXX ( Canceled Merchandise/Services ), not a fraud claim. Chase 's investigation appears to have evaluated this as a fraud case without considering the cancellation evidence, leading to an incorrect outcome. XXXX. Chase closed the investigation without contacting me for my evidence. When Chase 's fraud department attempted to call me on XX/XX/XXXX, I was unable to verify the caller 's identity and called Chase back directly. By the time I reached Chase, the investigation had already been concluded. I was never offered a meaningful opportunity to present my cancellation documentation before the case was closed. XXXX. On XX/XX/XXXX, I contacted Chase specifically to inquire about the XXXX charge, which I had not seen post to my account. A Chase representative searched my transactions and confirmed no XXXX XXXX charge had posted and that the authorization hold had dropped off entirely. Based on Chase 's own representation, I had no basis to file a dispute. The charge did not appear as a live liability until my XX/XX/XXXX statement. I have a recorded transcript of this call, and Chase 's own call recording is available through their internal records retention system. XXXX. The merchant has an F rating with the Better Business Bureau and a formally identified pattern of complaints from other consumers describing the identical scheme : unsolicited cold calls, false guarantees of rental income, upfront fees, and refusal to honor valid cancellations.

Company response to consumer: Closed with monetary relief