JPMorgan Chase Bank Account Or Service Complaint

JPMorgan Chase Bank account or service department,

Other bank product/service Using a debit or ATM card New Jersey

I made a Chase Visa CC purchase at - - on - - with no problem. It went through immediately. My son informed me that I should not have paid, that he wanted to treat me. The head of - was on vacation until after - - so we decided to wait until the Wednesday after to do the transaction of a refund for me and charging his card. That Wednesday the - of - called and said a refund had been provided. I checked my account on Thursday, no money appeared. I am a Chase - -, so I called my account - number. I also know it can take - hours for a refund to appear, but that the account manager can see it sooner. The woman I spoke to told me - had not processed the refund, and it can take up to - days for the refund. I said in this day of electronics, that did not sound reasonable. I asked to speak to a supervisor. I was transferred to -, who said she was a supervisor. She informed me that it depended on when - did their 'batching. ' I would see my money -


several times, to no avail, the phone just rang, no voicemail. The next day, I went to my local Chase Banker, -. The branch is on - - in - -, NJ. I asked her to check why it had not been credited back. I provided the vendor receipt, showing the batch number, time, amount, etc. so it could be traced. The back office refused to allow me to hear the explanation, refused to be put on speaker, and gave her an explanation that said the batching is different for refunds. Now I like game shows, but - different doors, - answers ) is not my idea of good banking. It - make for good TV, but not for my money. I went home frustrated and upset. I went back today, Friday, and asked - to provide my with a phone number for federal where I could ask for regulations about refunds. I might have asked my dog, he would have done better. No response, just another call to Chase. I did n't ask for that, I asked for a federal bureau to complain to. She tried everything, but no luck. I used to work -, it was mandatory to have the state number for people to complain if they were unhappy. I went home a did the search myself, and got it in a minute. It is now three days, no refund, no answer, no resolution. I would like to know why they can withdraw money instantly, but not refund the money the vendor returns to me instantly? How long do they have to return this money to my checking account? Should n't they be able to provide a complaint line to the consumer? If they hold my money do n't they make interest on it and should n't I receive that money? Where did I go wrong in using my VISA card? Why did Chase not provide an adequate answer as to when my money would be returned to my checking account, why such secrecy over the answer?