Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a credit card with Chase Bank. I provided credit card information to a roofing company who is also a very big Chase customer. The contractor was not to use or charge my card until they purchased the roofing materials. They charged my card in XX/XX/XXXX and did not purchase the materials until XXXX about XXXX months later and purchased a cheaper wrong material. The work was done incorrectly causing water and mold damage exceeding {$70000.00} in damages. Construction engineers examined the home and determined the roof must be removed, replaced and the rotten wood that had been shingled over replaced along with mold remediation. The roof was leaking badly when I hired the contractor and he promised to do the work in a couple weeks. After he did not I attempted to cancel the transaction and he refused to allow this. I was stuck as he already had {$5000.00}. 

A dispute was started at the direction of the attorney as he stated that it is a violation of the law to take my money for materials and to divert it to other company expenses. A criminal violation of the state builders trust laws. They were not authorized to run the transaction until AFTER they purchased the materials. And when the work was done it was done over rotten soaking wet wood and according to several professionals has to be replaced and as a result of the improper installation other damages for rotten wood and mold have to be resolved. Chase was given all of these supporting documents. 

Chase failed to honor the charge back and let the roofer keep the money. It should be noted that the roofer has stated that they are a very large customer or Chase and expected this outcome. After looking at my credit report today I noticed that Chase had run my credit without my consent on XXXX occasions, this being XXXX months after I have closed all my accounts with them. XXXX being on XX/XX/XXXX and the other XX/XX/XXXX each of these days were when I had had conversations with a member of the Chase dispute management team. Chase has stated that the reason they did not honor my dispute is that I did not provide any documentation that " SPECIFICALLY STATES '' that the roof must be replaced. I have provided this is XXXX documents stated exactly that the roof must be replaced by a structural engineer, home-inspector and contractor. 
I have a problem with XXXX things:1. That the transaction was not authorized as the card should not have been run until after materials were purchased NOT XXXX MONTHS AFTER! Chase was made aware of this and according to the terms of the cardholder agreement I am not responsible for any unauthorized purchases. 
2. Chase failed to honor the charge-back when they were given documentation from licensed professionals stating the product purchased was done incorrectly and must be replaced and failed to honor the charge back. The credit card agreement specifically gives a XXXX year warranty against this kind of problem. 
3. Chase ran my credit without my authorization XXXX times. 
I would like for Chase to be required to honor their cardholder agreement and the requested charge back. I paid {$12000.00} for a roof with a lifetime warranty. I am not paying another {$12000.00} to another contractor to replace it XXXX years later and another {$60000.00} for mold and water damage! 

Please help! I do not feel from talking to other that I am the only one having problems with Chase.

Company response to consumer: Closed with explanation