Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank , N.A . regarding their handling of a billing dispute for a {$3500.00} charge from XXXX XXXX XXXX XXXXr ( XXXX / XXXX ), dated XX/XX/XXXX, on my XXXX card ending in XXXX ( replaced with card ending in XXXX on XX/XX/XXXX as a security precaution ). WHAT HAPPENED : On XX/XX/XXXX, I was solicited by an unsolicited telemarketing call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). The merchant represented themselves as a Florida-licensed timeshare rental advertising company that would list up to 12 of my XXXX XXXX XXXX Interval weeks for rent to corporate clients and convention attendees, with guaranteed offers within 60 to 90 days at a minimum of {$2100.00} per week. Under high-pressure sales tactics during a lengthy call involving multiple representatives, I agreed to pay {$3500.00} and signed an Owner Agreement electronically via XXXX. After signing, I received an order confirmation from XXXX confirming receipt of my payment of {$3500.00}. This was the first and last communication I ever received from the merchant. The Owner Agreement I signed explicitly states : 'Once Membership commences, you will receive a welcome email in your inbox within 48 hours. The email will contain your login information. ' That email was due by XX/XX/XXXX. It never arrived. No login credentials were ever provided. No rental offers, no inquiries forwarded on my behalf, no follow-up communications of any kind have been received from XXXX from XX/XX/XXXX through the date of this complaint. On XX/XX/XXXX, after being targeted by a second similar telemarketing pitch from a related merchant within six days, I called Chase to report both charges as suspicious. Chase opened a fraud investigation, issued provisional credits on both charges, and replaced my card. I received no contact from Chase during the investigation asking for my evidence or account of events. On XX/XX/XXXX, Chase sent me a letter stating the XXXX investigation was complete and that I was responsible for the {$3500.00} charge. The stated reason was : 'Transaction was the result of a dispute with the merchant. ' The provisional credit was reversed, and the charge was rebilled to my account. I was not contacted for evidence before Chase made this determination, and I was not given an opportunity to present my documentation. WHY CHASE 'S HANDLING WAS IMPROPER : 1. The 'dispute with the merchant ' characterization is factually incorrect. This is not a disagreement about quality. The merchant delivered nothing. Their own contract required a welcome email within 48 hours that I never received. Services not received is XXXX Reason Code XXXX, not a generic merchant dispute. 2. Chase 's investigation evaluated this as a fraud case without considering the correct dispute category or contacting me for evidence. The result siding with a merchant who delivered nothing is incorrect on the facts. 3. The Owner Agreement submitted by XXXX as evidence of our transaction bears only my signature. XXXX never executed the contract on their end ; their signature block is completely blank. XXXX collected {$3500.00} on an incomplete, unilaterally unsigned contract. 4. Chase closed the investigation without contacting me. When Chase 's fraud department did call me on XX/XX/XXXX, I was unable to verify the caller 's identity and called Chase back directly. By the time I reached Chase, the investigation had already been concluded. I was never offered a meaningful opportunity to present documentation before the case was closed. 5. The merchant misrepresented the nature of their services during the sales call, stating specific corporate clients by name, guaranteed offer timelines, and specific rental platforms. None of these representations were true. This constitutes misrepresentation under XXXX Reason Code XXXX.

Company response to consumer: Closed with monetary relief