Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Mishandled Ticket Resale Payments and Improper Charges Chase / XXXX XXXX XXXX Dear CFPB Representative, I am filing a formal complaint regarding a ticket resale dispute involving XXXX, XXXX, and my bank Chase. Despite providing proof of ticket transfers and written payout confirmations, I was denied payments for my sales and was additionally penalized with a {$400.00} charge that XXXX falsely applied against me. 



Background & Timeline I purchased multiple XXXX  tickets through XXXX ( XX/XX/XXXX and XX/XX/year> ) and resold them through XXXX. XXXX records confirm that all tickets were successfully transferred and accepted by buyers. 
XXXX confirmed the sales were complete and that payouts would be issued after the events. 
One resale ( Order # XXXX ) was properly paid. Another resale ( Order # XXXX ), which I purchased for {$300.00} and resold for {$360.00}, was transferred correctly but never paid. 

On XX/XX/year>, XXXX applied a {$400.00} charge against me, claiming I provided different tickets than described. This is false XXXX records show the correct ticket was transferred. XXXX then withheld and offset my resale payouts using this charge, leaving me with no reimbursement and no profit. 

I uploaded supporting evidence and filed disputes with XXXX on XX/XX/XXXX and XX/XX/year>, and contacted their customer support multiple times. XXXX ignored my documentation, took the buyers word without review, and denied my disputes with a generic response. 

XXXX final email acknowledged that my XX/XX/XXXX ticket sale ( # XXXX ) was valid and paid correctly, but insisted the XX/XX/XXXX sale ( # XXXX ) was invalid, stating that the withheld payout had been deducted to cover a pending charge. 

I also filed two disputes with Chase, uploaded supporting documents, and explained the situation in detail. Chase denied both, claiming the dispute was outside the timeline, even though XXXX own payout policy meant I could not have known about the issue until after the concert occurred. In addition, XXXX required me to wait 3045 days for their dispute team to review my case and they never resolved it. 



Issue This case demonstrates : XXXX wrongly withheld my resale payout and applied an improper {$400.00} charge against me. 
XXXX ignored multiple disputes and supporting evidence, failing to protect sellers. 
Chase refused to help, citing a time limitation, even though XXXX delayed payout process made it impossible for me to dispute earlier. 
As a result, I lost both the ticket purchase cost and the resale profit I was entitled to. 



Requested Resolution I respectfully request : 1. Immediate reversal of XXXX improper {$400.00} charge and release of the funds from my completed ticket sales. 
2. Reimbursement or credit from Chase if XXXX continues to withhold payment. 
3. Investigation into XXXX practices of disregarding seller disputes, penalizing sellers without review, and making it impossible to dispute transactions within normal banking timeframes. 



Conclusion I acted in good faith, provided valid tickets, submitted documentation, and followed both XXXX and Chases dispute processes multiple times. XXXX withheld my rightful funds, imposed a false {$400.00} charge, and Chase denied my disputes due to timelines beyond my control. I ask that the CFPB intervene to ensure I am reimbursed for my ticket costs and the profits I was wrongfully denied. 

Thank you for your time and attention. I am prepared to provide additional documentation if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation