Consumer complaint received 2026-02-17 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: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : JPMorgan Chases Refusal to Investigate Merchant Fraud Due to Timeline ( Claim ID : XXXX ) Description of Incident : I am filing this complaint against JPMorgan Chase for failing to investigate clear merchant fraud and unauthorized charges. Chase has denied my dispute on the grounds that " too much time has passed, '' ignoring the fact that the merchant used deliberate stalling tactics and deceptive promises of a refund to push the transaction outside of the standard dispute window. 

1. Background of the Fraud : In XX/XX/XXXX, I attempted a one-time purchase of museum tickets from " Global Tickets '' ( also known as " My Trip Online '' ). The merchant failed to provide the tickets. On XX/XX/XXXX, they confirmed in writing : " we want to assure you that a full refund for the ticket will be issued promptly. '' Instead of a refund, the merchant used my credit card information to enroll me in an unauthorized recurring subscription I never agreed to. 

2. Merchant Stalling ( The Reason for the Delay ) : Chase claims the charges are " valid '' because they occurred in XXXX and XX/XX/XXXX. However, I did not file a dispute earlier because I was acting in good faith based on the merchants repeated written assurances. 

XX/XX/XXXX : Merchant told me to wait " 7-10 business days '' for a refund. 

XX/XX/XXXX : Merchant falsely claimed, " we have already refunded you. '' This merchant intentionally manipulated me into waiting, specifically to run out the clock on my consumer protection rights. Chase is rewarding this fraudulent behavior by refusing to look at the evidence of these lies. 

3. Unauthorized " Negative Option '' Enrollment : The merchant processed two unauthorized charges : {$90.00} ( XX/XX/XXXX ) and {$92.00} ( XX/XX/XXXX ). They now claim these were for a " subscription '' that started after a " free trial. '' I never signed up for a trial or a subscription. I only signed up for a one-time ticket purchase. This is a " Negative Option '' scam, which the FTC and CFPB have strictly regulated. 

4. Failure of Service ( Sham Website ) : The " service '' Chase is forcing me to pay for does not exist. The " XXXX XXXX '' link provided by the merchant ( places-to-go.my-trip-online.com ) results in a " Server-side exception / Application error. '' I am being charged $ XXXX for a broken website I never wanted. 

5. Partial Recovery of Funds : Chase was willing to refund me that {$92.00} charge as it was still within the 'acceptable timeframe '. The {$90.00} charge has still not been refunded/ credited. 

Desired Resolution : I request that Chase reopen Claim XXXX and reverse the charge for {$90.00}. Chases " too long ago '' policy should not apply when a merchant uses documented deception to prevent a timely dispute. I have provided the bank with the email chain proving the merchant lied about the refund status for months ( and yet this still did nothing! )

Company response to consumer: Closed with monetary relief