Credit card -- Problem with a purchase shown on your statement -- Complaint #18046623
Complaint Overview
Complaint ID: 18046623
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Mississippi
ZIP Code: 39503
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/year>, I purchased Row XXXX Premium VIP Lounge Package seats for Field Section XXXX Row XXXX Seats XXXX through XXXX for the XXXX XXXX XXXX XXXX concert on XX/XX/year>, at Nationals Park in Washington XXXX XXXX These seats were part of a guaranteed premium package specifically stating that seating would be in the first XXXX rows of XXXX XXXX XXXX. Before the event, on XX/XX/year>, XXXX moved my seats from Field Section XXXX Row XXXX Seats XXXX to Field Section XXXX Row XXXX Seats XXXX without my permission. Row XXXX is not a VIP XXXX seat and is a different, lower-tier product than what I paid for. I never consented to this change. XXXX did offer a refund or the option to resell the tickets, but these were not realistic options because I had already booked and paid for travel and accommodations before the seat change occurred. Canceling the trip would have costed me significantly more, leaving me with no reasonable alternative. I was essentially forced to attend the event with downgraded seats due to circumstances created by the merchant. When I contacted the merchant through live chat on the XXXX website on XX/XX/year>, around XXXX that evening, they acknowledged the seat relocation issue but could not restore my original seat because VIP seats were unavailable. I later obtained written confirmation from XXXX stating they can see that I contacted them regarding the relocation. Despite this, Chase denied my dispute. Chase stated that because I scanned the tickets and attended the event, the " experience was provided, '' even though I did not receive the specific product I purchased. Attending the event does not change the fact that I was downgraded to a different seat and did not receive the contracted service. Additionally, the merchant incorrectly told Chase that I never contacted them, which is not true. I provided written proof directly from XXXX contradicting that claim, but Chase still denied my dispute. Chase also requested pricing information for the original and relocated seats, which only the merchant has access to and did not provide. I am requesting CFPB 's assistance because I paid for a premium VIP product and received a lower-value product without consent. The merchant misrepresented the situation, and Chase did not conduct a fair or complete dispute investigation as required under Regulation Z.
Frequently Asked Questions
What is Complaint #18046623 about?
Complaint #18046623 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.