Chase Manhattan Bank, Chase NA, Chase Bankcard Services, JP Morgan Chase Bank Chase sided with fraudulent merchant AND ruined my credit! Tampa Florida

Although I do chargebacks at JP Morgan Chase and I have not looked at the gentlemen's account, I would like to offer an opinion in defense of my company.

As with all issuing banks, Chase, being no different, we must follow policies set forth by MasterCard, if we are to issue MasterCard. If you had an unauthorized charge, there is no reason why we could have not conducted a chargeback against the merchant for reason code 37 or 63.

If you are saying that we sided with the merchant and we did chargeback for unauthorized charge then it is possible that merhcant provided information with your name, address, phone number and credit card, attempting to validate the transaction in order to be justly paid. This dispute may also have been a cancellation issue where you stated you cancelled but the merchant responded to our chargeback stating you did not cancel. Or perhaps the terms and conditions of the sale do not permit you to cancel to mean all sales are final. Perhaps we sent you the merchant's rebuttal in representment and you did not respond within timeframe for us to continue the dispute. Whatever the reason we stood by you from the very beginning.

When you contact us we assist you with your dispute. You provide the information we need to meet the conditions for us to reverse the sale, (which a is chargeback) and then if the merchant does not respond to our chargeback, then the dispute is resolved in your favor. Otherwise we notify you with the merchant's rebuttal in order to continue the dispute. Just because a dispute does go your way, does mean that bank has provided you a disservice. We represented your interests and in doing so served you well, otherwise we would have not done anything for you.

Remember every dispute has two sides of the story, your side of the story and the merchant's side of story. If your dispute does not comply with MasterCard operating regulations then you will lose the dispute. Same goes for the merchant.

This check you are referring to sounds like it may have been from a credit balance. If your credit card has a negative balance, then you as customer may request that money in the form of a credit balance refund. The bank may also send this money to you automatically after a period time. Your account is debited to offset the negative balance to bring it zero. It is possible that you recieved two of these checks thus causing two debits on your account. Then when your dispute was not resolved in your favor, meaning the merchant won, then your account is adjusted so that the merhant is paid, thus you are debited again. Since you lost the dipute you are then responsible to pay the bill according to your cardholder agreement. It only makes sense that when you do not pay on a balance that you accure late fees, finance charges and bad marks on your credit rating.

The right relationship is everything. However as with every relationship is takes both parties to make it work. I believe Chase makes all their relationships with their customer worth while and long lasting. I would not bank with anyone else.

Chase doesn't give a rats ass about their employees or their customers. They treat their customers like shit. When a customers calls because they receive a late fee on their account Chase acts like they don't care and they will make you lose your promotional interest rates as a result of one lousy late fee! They will give you a cheesy talk-off but they don't give a damn even if you tell them that you're going to take your business else where! And to boot they only give you a quick turn around time with your statements so that you don't have the time to mail them so that they're returned in a timely manner. You almost have to use their website to make your payments otherwise you're screwed. For the people that don't have computers this is really bad for them. If by chance you make a mistake in making a payment on your account by writing the amount slightly different from what the balance is, they are not forgiving at all. They will charge you interest or even a late fee if it's not at least the minimum amount that's required!! If you any accounts with Chase you should pay off all of your credit cards and take your business else where! This company doesn't give a damn about you! I know this because I used to work there and I just hated going to work everyday. The stress of working there is unreal!