After submitting extensive documentation in support of a disputed charge I had with a furniture company, Chase accepted an erroneous account of events submitted by the furniture company without regard to the provable facts that I had previously submitted to them, which were in direct conflict with the furniture company's account.
They did so after passing all of the documentation I had submitted to them, to the furniture company and then accepting the furniture company's response as factual. Without allowing me the opportunity to question the account of events as presented by the furniture company, Chase then, wrongfully, ruled in favor of the furniture company.
This ruling was made after Chase Cardmember Services had informed me via a phone call that that the dispute had been settled in my favor. During the course of events, prior to the unfair ruling, Chase had advised me not to accept replacement furniture from the furniture company because acceptance could jeopardise the dispute.
I have phone records of all calls made to and from Chase along with the Chase employee's name who advised me to not accept replacement furniture. This is key because in a re-evaluation of my dispute Chase stated that my refusal to accept the replacement furniture was the reason they ruled against me. I have a letter dated 8/15/2013 to substantiate this.
I informed Chase on 8/19/2013 that did not plan to pay the disputed charge of $1303.75 or any associated interest, without a court order. At the time of this dispute I had a $31,400. limit on my Visa card and a 50+ year impeccable credit record. I have always paid my credit card charges in full monthly.
Chase turned the charges over to a collection agency in May 2014 who refused to proceed with collection activity after hearing my account of events.
Instead of taking this case to "small claims court" where I would have an independent judge rule on the facts, Chase opted to work with the Credit Agencies and had my credit score lowered to the point that I can't even qualify for a Walmart Discover card, although I have absolutely no debts whatsoever.
Chase Card Services Reviews
After submitting extensive documentation in support of a disputed charge I had with a furniture company, Chase accepted an erroneous account of events submitted by the furniture company without regard to the provable facts that I had previously submitted to them, which were in direct conflict with the furniture company's account.
They did so after passing all of the documentation I had submitted to them, to the furniture company and then accepting the furniture company's response as factual. Without allowing me the opportunity to question the account of events as presented by the furniture company, Chase then, wrongfully, ruled in favor of the furniture company.
This ruling was made after Chase Cardmember Services had informed me via a phone call that that the dispute had been settled in my favor. During the course of events, prior to the unfair ruling, Chase had advised me not to accept replacement furniture from the furniture company because acceptance could jeopardise the dispute.
I have phone records of all calls made to and from Chase along with the Chase employee's name who advised me to not accept replacement furniture. This is key because in a re-evaluation of my dispute Chase stated that my refusal to accept the replacement furniture was the reason they ruled against me. I have a letter dated 8/15/2013 to substantiate this.
I informed Chase on 8/19/2013 that did not plan to pay the disputed charge of $1303.75 or any associated interest, without a court order. At the time of this dispute I had a $31,400. limit on my Visa card and a 50+ year impeccable credit record. I have always paid my credit card charges in full monthly.
Chase turned the charges over to a collection agency in May 2014 who refused to proceed with collection activity after hearing my account of events.
Instead of taking this case to "small claims court" where I would have an independent judge rule on the facts, Chase opted to work with the Credit Agencies and had my credit score lowered to the point that I can't even qualify for a Walmart Discover card, although I have absolutely no debts whatsoever.