Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
Consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Transaction Date : XX/XX/XXXX Transaction Amount : {$10000.00} Card Issuer : Chase Freedom Flex Dispute Claim IDs : XXXX, XXXX, XXXX To Whom It May Concern, This letter is a formal rebuttal to Chase Banks denial of my chargeback claim regarding a fraudulent {$10000.00} transaction for a counterfeit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Maryland XXXX 



Summary of Events : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX. The salesperson, XXXX, stated I could not inspect the item due to its high value and instead packaged it behind the counter. 

After returning home, I immediately noticed visible damage ( scratches ) and had the watch professionally appraised by XXXX separate, certified jewelers. Each appraisal independently concluded the XXXX was counterfeit. 

On XX/XX/XXXX, I returned to XXXX XXXX XXXX surrendered the watch in good faith. I was denied a refund, met with hostility from XXXX, and pressured to purchase even more expensive, unauthenticated merchandise. 

I initiated a dispute with Chase, submitting : Sworn declaration Multiple appraisals ( proving the watch is counterfeit ) Proof of return Notes from multiple Chase representatives corroborating my claim Factual Inaccuracies and Contradictions in Chases Position : False Claim : Item Not Returned Chase originally denied my dispute on the grounds that the item was not returned. However, on XX/XX/XXXX, your representative XXXX confirmed that XXXX XXXX  admitted to receiving the item back. This directly contradicts the original denial. 

Multiple Internal Confirmations Chase representative XXXX later acknowledged on XX/XX/XXXX, that the merchant had lied and admitted to taking the item back. She also confirmed that XXXX XXXX  did not dispute the authenticity findings and that I had a strong case for a refund. 

Hostile Denial of Refund or Credit On XX/XX/XXXX, I attempted to follow up again in good faith. XXXX refused to issue any refund or credit and told me never to return to the store. His behavior was hostile and intimidating to the point that I feared for my safety. 

Counterfeit Merchandise Confirmed Three independent appraisals confirm the XXXX is not authentic, yet Chase ignored the overwhelming evidence. The sale of counterfeit items is criminal fraud. Chase is knowingly defending a transaction involving illegal goods. 

XXXX XXXX XXXX XXXX is a forfeited entity in the XXXX of Maryland. This business is no longer in legal good standing, which makes Chases continued reliance on their statements and records questionable and irresponsible. 

Violation of Consumer Protection Laws and Chase Policy : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : I did not receive the item as describedthis is a textbook case of goods not delivered as promised. 

Federal Trade Commission Act : The merchants conduct constitutes fraud and misrepresentation. 

Chase Visa/Mastercard Chargeback Guidelines : The merchant failed to deliver an authentic item, failed to prove the items legitimacy, and refused a refund after acknowledging return. Chase is obligated to reverse the charge under these guidelines.

Relief Requested : I am demanding a full chargeback of {$10000.00} for this fraudulent transaction. I acted in good faith, returned the counterfeit item, and have submitted overwhelming documentation proving fraud. Chase has mishandled the process, ignored evidence, and violated both federal law and cardholder protection policies.

If this matter is not resolved immediately, I will escalate this to : Maryland Attorney Generals Office Federal Trade Commission ( FTC ) XXXX and XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) And pursue civil litigation if necessary. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation