Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
On XX/XX/XXXX my Chase card ending in XXXX was refunded {$1600.00} from a hospital vendor for a XXXX co-payment I made in XXXX on the same account with an earlier card that had since expired, and been replaced with this different-numbered card. 
On XX/XX/XXXX I called Chase and asked when the transaction would post to my account. The representative told me XXXX various timelines : immediately, within XXXX XXXX, or within XXXX business day. I asked this representative where the money was held before it posted. He did not provide that info. 
Approximately a week later I called Chase again and explained that the vendor had confirmed the payment was in Chase 's possession. The representative said that the vendor was " probably lying. '' I asked to be escalated to supervisors. The supervisor told me that refunds can take up to XXXX XXXX XXXX to post to my account. I asked why it had not posted yet, given that logic. She suggested it was a delay on the vendor 's processing, and that I should contact the vendor to request they claw back their money from Chase and pay me directly. 
On XX/XX/XXXX I called the vendor and requested they claw back their money and pay me directly. The hospital agreed to investigate their payment options. An hour after this phone call to the vendor, the payment posted to my Chase credit card account. 
On XX/XX/XXXX the vendor confirmed that since Chase had posted the transaction, they could not recover their money. 
On XX/XX/XXXX I called Chase and requested they send me the refund. Chase representative said that it could only be applied to future card balances. I explained that I would not spend any more money on the Chase card in question because of their behavior, and wanted the refund issued ASAP. The representative agreed to issue the refund within " XXXX XXXX. '' On XX/XX/XXXX I called Chase customer service, asked to speak to a supervisor and asked why I had not received the refund in the stated time frame. I explained that I had caught Chase in XXXX lies over this refund, and that I would accept the payment that day electronically. The supervisor agreed to investigate my concern on the call, and found that I had indeed requested the refund as I stated on XX/XX/XXXX in their records, but that the correct timeline was XXXX business days. I explained that I have asked throughout for written confirmation of my request, and that I did not believe Chase would return my money in a timely manner. The representative said that I should trust that they would issue me a refund by the XXXX business day and that my online account would reflect a XXXX balance. 
After the XXXX XXXX XXXX passed on XX/XX/XXXX, I do not see a XXXX balance on my Chase online account, no notice has been sent of a pending refund payment, and I have had no contact from Chase nor have I received a paper check, so I am using this complaint process to attempt to recover my money from Chase.

Company response to consumer: Closed with non-monetary relief