Consumer complaint received 2026-01-06 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: SC

Complaint narrative:
PRIMARY COMPLAINT - CREDIT CARD COMPANY Company : Chase Bank Product : Credit Card Issue : Credit card company isn't resolving a dispute about a purchase on my statement Sub-issue : Overcharged or charged for something I did not purchase - Fraud Your Chase Credit Card ( last XXXX digits ) : XXXX WHAT HAPPENED Summary : I paid {$7900.00} to a fraudulent timeshare resale company ( Timeshare Resale Market ) that provided absolutely no services. I disputed this as fraud/non-delivery of services with Chase, but Chase improperly denied my dispute despite overwhelming evidence of fraud. I am now being held liable for {$7900.00} for services I never received from a known scam operation. 
Detailed Timeline : XX/XX/year> : XXXX XXXX XXXX promised to sell my XXXX XXXX XXXX and XXXX timeshares for an upfront fee of {$7900.00}. I paid this amount on my Chase credit card. 
Services Promised vs. Delivered : Promised : Marketing and sale of timeshares and buyer contacts Actually Delivered : NOTHING - XXXX service, complete fraud The contract specifies a price of {$1800.00} to sell each membership and reserves our right to cancel, but TRM charged {$3900.00} for each membership, so even that charge is bogus.

Discovery of Fraud : I researched and discovered : The FTC specifically warns about timeshare resale companies charging large upfront fees as a known scam The Better Business Bureau has numerous complaints about Timeshare Resale Market showing identical fraud patterns Multiple victims report paying XXXX  XXXX {$8000.00} and receiving no services " Be wary of upfront fees. Legitimate fees are typically paid after the sale is concluded or are deducted from the sale price. '' Consumer Reports XXXX Chase Dispute - IMPROPERLY DENIED : I filed a dispute with Chase explaining this was fraud and non-delivery of services. Chase denied my dispute with this reason : " The merchant reviewed your dispute, but didn't find evidence of a billing error. You're still responsible for payment. '' Why Chase 's Denial Is Improper : This is fraud, not a billing error - Chase treated this as buyer 's remorse rather than investigating as fraud The merchant can not " provide evidence '' of services they never delivered - What evidence could they possibly have when they provided no services? 
Pattern of fraud ignored - Chase failed to investigate that : Multiple BBB complaints show identical fraud pattern FTC warns about this exact scam I have filed complaints with SC Department of Consumer Affairs and FTC Company provided absolutely XXXX services FTC Report number : XXXX Chase has an obligation to investigate fraud properly- They appear to have accepted whatever the merchant said without verifying that any actual services were provided Financial Impact : I am now being charged {$7900.00} plus interest for services I never received from a fraudulent company. I can not afford to pay for fraud. This is causing severe financial hardship and will damage my credit if not resolved. 
What I've Already Done : Disputed with Chase ( improperly denied ) Filed complaint with SC Department of Consumer Affairs Filed complaint with Federal Trade Commission contacted Timeshare Retail Market ( they refuse to reverse the charge ) Documented pattern of fraud via XXXX  complaints What I'm Requesting from CFPB : Investigate Chase 's improper handling of this fraud dispute Require Chase to reverse the charge or properly investigate as fraud Hold Chase accountable for not protecting consumers from known fraud schemes Remove this charge from my account- I should not be liable for fraud Prevent credit damage while this is being investigated SECONDARY COMPLAINT - THE FRAUDULENT MERCHANT Company : Timeshare Resale Market Issue : Fraud - took payment and provided no services This complaint documents the underlying fraud that Chase failed to properly address. 
What the merchant did wrong : Charged {$7900.00} for timeshare resale services Provided XXXX services of any kind Part of known fraud pattern per FTC warnings and XXXX  complaints Company appears to be operating a systematic fraud scheme SUPPORTING DOCUMENTATION I can provide : Chase credit card statement showing {$7900.00} charge Chase dispute denial letter/email Any contract or communications with Timeshare Resale Market Screenshots of XXXX  complaints showing a pattern of fraud Evidence of XXXX services provided ( lack of any communication, listings, etc. ) SC Department of Consumer Affairs complaint confirmation FTC complaint confirmation FTC consumer alerts about timeshare resale scams YOUR DESIRED RESOLUTION From Chase : Reverse the {$7900.00} charge Remove any interest or fees associated with this fraudulent charge Properly investigate this as fraud rather than a billing dispute Protect my credit rating during the investigation From CFPB : Investigate Chase 's improper denial of a legitimate fraud claim Compel Chase to properly investigate and resolve Help recover my {$7900.00} from this fraud DECLARATION I certify that the information provided is true and accurate. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation