Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid 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: IA

Complaint narrative:
The following issue is with Amazon Chase Visa. Specifically it relates to claim number XXXX. Amazon Chase Visa has stated that " We reviewed the information available and found that you either received the services or the merchant made them available for your use ''. This is untrue as the painter I hired didn't finish his work and refused to return ; there are emails attached that show he refused to continue working and sent a " proposal to terminate the project '' after complaining verbally and that I had " lost confidence in him and the team ''. 

The emails also show that I refused to terminate the contract and ask that he return to finish the work he started and repair the mistakes he had made. I went so far as to try to get a notice of right to cure issued, which is a document demanding that work be finished on an existing contract. The owner of XXXX XXXX XXXX said his attorney would handle it in the email and refused further contact with me. I then issued the dispute and chargeback for the amounts paid on the Amazon Chase Visa card. XXXX XXXX XXXX then filed a lawsuit in small claims court in case XXXX in XXXX XXXX, Iowa. 

I countersued for damages to my property including catastrophic failure on the cabinets which were not primed or sanded. No or effectively no prep work was done. The result is that the paint is flaking, cracking, and peeling off. I spoke with several expert cabinet refinishers and other painters ; all of them have said the work was extremely negligently done and will need to be stripped completely before being redone. This alone was estimated to cost {$4800.00} just to return the surfaces to a paintable condition. I wasn't happy with the outcome but I did at least feel confident that the court would finally resolve this whatever the outcome might be. 

Court was scheduled for XX/XX/2020 and then on XX/XX/2020 I saw the the charges from Chase had been rebilled to my credit card. Due to a lack of staff at Chase I was unable to contact someone until XX/XX/2020. Chase rebilled the initial XX/XX/2020 prepayment of {$1900.00} and the XX/XX/2020 prepayment of {$3700.00}. I disputed this as well. I attempted to contact Chase but they stated that I would have to mail items to them over regular mail ( not email ) and that they could only communicate this way. I found a way to submit documents online at chase through account inquiry instead of dispute and verbally confirmed that chase dispute office had received this. Today XX/XX/2020 I was told that Chase considered the charges valid because " We reviewed the information available and found that you either received the services or the merchant made them available for your use. " This has disrupted the court case completely ; currently is suing me for money they currently possess and I am involved in a countersuit that does not encompass everything I am claiming. Amazon Chase effectively circumvented the court, made hours of court preparation and time spent with attorneys useless as it now no longer is applicable, and put me in a position where I must now find how to change what was a small claims court into a full court case as the dollar amount is now other the small claims limit. 



I'll provide further details below as well as attachments. 

I entered into a contract with XXXX XXXX XXXX, a painting company, on XX/XX/2020. I had hired them to paint the walls of home interior, cabinets in the kitchen, and walls/ceiling of the garage. I prepaid for materials at this point in the amount of {$1900.00} on this day. Work didn't begin until XX/XX/2020. Work was done through that week until Friday XX/XX/XXXX. At this point XXXX XXXX XXXX were pressing me to pay for the project but I had reservations as the work was not yet completed and there were other issues relating to damages that I was aware of. XXXX XXXX XXXX   assured me they would complete the work and that there was a two year guarantee on the work ; I refused to sign the contract block signifying work was complete until I was satisfied and a compromise of prepayment of 90 % of the remaining project cost was reached. 

I was never satisfied with the quality of the work and nor did I ever say that was work was complete. Several items of mine went missing during this time as well including cabinet hardware, curtain rod hangers, rolling door wheels, and other items I found several major concerns regarding the work over the weekend ; several majors areas weren't finished, work quality was extremely poor, paint had been spilled in large splashes on a section of carpet, and paint droplets were all over the house. No cleanup effort was made at all as paint drops are present on wood trim, floors, appliances, furniture, garage floor, and even outside the house on the concrete and grass. 

I have contacted Amazon Chase Visa numerous times regarding this and after I contacted them on XX/XX/2020 I have been unable to get any real information from them. Even their final judgement on this only states they consider the charges valid without further reasoning as to how they can to that opinion. 

I'll attach documents relating to this case below. Thank you for reading and for your help with this matter.

Company response to consumer: Closed with explanation