Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Amount in dispute before interest and fees : {$330.00}.   A. In its   XX/XX/XXXX   statement,  Chas  e credit cards  allows a vendor,  XXXX   XXXX   XXXX  to charge my credit card for incremental charges for whic h ( a ) I h ave not received a billing or explanation or any communication from  XXXX , that are ( b ) incremental to the full rental charges I have already paid, that are ( c ) incremental to the full liability for the rental that I have entered into and have agreed to with  XXXX  's local rental station, with that agreement being in writing, ( d ) that are not authorized by me,  ( e ) that a re unsubstantiated. I dispute the charge immediately in   XX/XX/XXXX   and a dvise Chase immediately ( via  its on line web based dispute system and later via mail and email and telephone ). In the dispute I substantiate that the   XXXX   incremental charges are ( a ) not compliant with the agreement in writing between me and  XXXX  's local rental statio n, ( b )   have descriptions that are non-conforming with the actual rental circumstances and conditions. Copies of relevant supporting and substantiating documentation are shared wit h Chase. Th e dates for my initiated communications with supporting documentation are   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Plus   nume rous other messages via  Chase 's w eb message system of which the dates and records are with   Chase.
B. Chase is   not competent in analyzing and comparing the false data sent by  XXXX  's central administration, with the written agreements authorized by  XXXX  's local rental station. Notwithstanding my detailed explanations and substantiation. It is not capable of responding to my substantiated arguments and takes the easy way of agreeing with   XXXX   central administration 's false claims.    C. I advise Ch ase that due to the fraudulent charges by  XXXX , I will not pay those charges. I urge  Chase on several occasions to have a meeting where I can make them comprehend that the charg es are fraudulent.  Chase ignored this. Chase nowhere and at no time disputes with substance, the validity of my substantiation and my argumentation. I have submitted a number o f explanations where in detail I outline why and how the charges from  XXXX  are fraudulent.   Chase simply states it decision that it will go with what   XXXX    charged.
D. Thus accordingly, Chase proceeds with paying the vendor the fraudulent charges.
E. Communications on this with Chase con  tinue throughout   XX/XX/XXXX  and  XX/XX/XXXX  m ostly via  Chase 's web  message system.    F. On    XX/XX/XXXX ,  in a telephone call that has been recorded, the Chase representative admits that  Chase pai d the vendor notwithstanding having timely been advised by me that the charges from  XXXX  were fraudulent. The representative admits tha t Chase has been unsuccessful in claiming the money back from the vendor and thus has r esorted to attempting to collect from me. I advise the representative that I will not pay the fraudulent charges.    G. I have on numerous occasions escalated to Chase 's executive ma nagement, including o n  XX/XX/XXXX  and  XX/XX/XXXX .  They have not responded.    H. As  I have explained to Chase, again on numerous occasions, the fraudulent charges by  XXXX , that have ( fraudulently and knowingly ) been passed to me by  Chase, are  likely due to ( a ) opportunism on the part of  XXXX  's central administration, and (  b )   XXXX  's central administration not being linked correctly with the agreements initiated from the  XXXX   local rental  stations. A breakdown in information flow and continuity at  XXXX  in other words. To my fortune, I have kept all the communications and confirmations from the   XXXX    local rental office ( and have of course shared these wit h Chase.    I.  XXXX  's local rental location simply confirms the written agreements in place.   J. Due to knowingly passing on of fraudulent vendor charges by  XXXX  and by reporting our issue, still in dispute, to the credit reporting agencies, I have yesterday closed my account wit h Chase.

Company response to consumer: Closed with explanation