JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Billing disputes Massachusetts

To Whom It May Concern : On - -, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on - -, 2016 ( see Chase return receipt ). Chase did not respond to this letter and initiated dunning calls. On or about - -, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. On - -, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In - -, 2016 Chase called but we were out of the country.


Between - -, 2016 and - -, - approximately 11 calls were made to Chase regarding this matter. On - -, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til - -, 2016 II. Chase policy requires certain form to be completed. III. Chase policy required subpoenas for certain information. Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on - -, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing - copies of receipts. ( See Chase - receipt - and Chase - Receipt - ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.