Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7007521
Complaint Overview
Complaint ID: 7007521
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid 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: California
ZIP Code: 94109
Date Received: 2023-05-21T12:00:00-05:00
Date Sent to Company: 2023-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Summary : Chase bank refuses to look into a disputed transaction ( simply indicating the transaction is valid ), even as I submit to them the evidence that they ask for. Evidence indicate that I never received the service. Chase claims that the claim has been timed out and they will not look into it. Extended summary : I disputed a transaction, that was made on my Chase credit card. Chase denied my dispute. I called Chase. Chase asked me to send evidence. I sent evidence immediately. Chase then sent me a letter saying that the disputed transaction was valid. I called them for clarification, they indicated that the case had been timed out so the evidence was not even considered. Chase then asks me to send a letter to request them to re-open the case. I do that immediately. Chase once again says they will not look into it since the case was timed out ( i have no idea why would the case be timed out since I sent them evidence indicating that the merchant never provided me with the purchased service immediately and per Chase 's request ). Time line : XXXX : on Chase 's portal, i disputed a transaction that was made to my account, by XXXX ( XXXX ). This was a for a service that XXXX ended up not providing, even as I did everything that XXXX asked me to do. I have email communication from XXXX. XX/XX/XXXX : Chase sends me this msg : Here 's an update on your dispute ( s ) XX/XX/XXXX : Chase sends me this msg : We consider the disputed charge ( s ) valid XX/XX/XXXX- I called Chase to ask why are the charges valid, given that I never got a product. They said to write and submit a letter to Chase and they will consider looking into it. XXXX XX/XX/XXXX : I resubmitted more docs, physically, in their Chase Branch. XX/XX/XXXX : I called Chase and confirmation was made to me that they got the documents and they will look into it but that the case is timed out and I will likely not have a result. XXXX XXXX, XXXX : Chase sends a note : We're researching the charge ( s ) you disputed recently XXXX XXXX, XXXX : Chase sends a note : We confirmed that the transactions you disputed are valid XXXX i called Chase to ask how did they conclude that the transactions are valid? given that I gave them evidence to the contrary. Chase, once again, asked me to reopen the case by sending a new letter. Chase said that the second time that I sent documents ( XXXX ), things were never investigated because the case had timed out. ( in other words, they received the evidence but decided not to investigate ) XX/XX/XXXX : I sent a new letter, as directed, via Chase 's upload document center. XX/XX/XXXX I called chase, they opened the case. But still said its timed out and likely will not look into it. XX/XX/XXXX : chase sends a note that they are looking into the case XX/XX/XXXX : chase indicates that they disputed transaction is valid and they will no longer look into it.
Frequently Asked Questions
What is Complaint #7007521 about?
Complaint #7007521 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-05-21T12:00:00-05:00.
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 or prepaid 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.