JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Billing disputes California

I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on -/-/2016 sent me a letter demanding more documentation, due by -/-/2016, a federal holiday. I mailed - pages of documentation in the prepaid envelope provided by Chase on -/-/-. On -/-/- Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the - envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this


Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.