Consumer complaint received 2023-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This request is in reference to a transaction with XXXX XXXX posted to my XXXX credit card on XX/XX/XXXX this year. Having attempted to get justice on XXXX previous credit card disputes without the correct resolution, I have to use this method to obtain a truthful and just solution to an extremely sleazy and unlawful attempt to charge me, a Senior citizen ( who has contributed to the forward progress of this country during numerous times of need, although my way of doing it, usually is behind the scenes ) for a service that I never authorized. The transaction with XXXX occured after I had already made XXXX true purchase for a XXXX XXXX XXXX that was {$290.00}. During this real purchase I was required to supply my credit card number and security code thus allowing XXXX to possess this information with a XXXX XXXX intention. During the real transaction process, I became suspicious as although you had to create a username and password there were no instructions as to how and when to use it in relation to the XXXX. In fact I went thru the entire process and even at the end they still never instructed you how to access and proceed to use your pass. This made me think that it was some kinda scam but I figured out you probably had to login under the username and password. Once logged in you still didnt know if they were going to in fact honor what you had paid for. During the process you were never advised of additional charges of XXXX cent plus taxes until you paid for the pass and figured out you should login. After completing the process and booking a single trip for me alone, I decided it would not be fair on this type of trip to not take my wife. I immediately thought that I should purchase another pass for her as my initial thought was its should be more economical. I initiated an additional application and realized prior to supplying the credit card information that it may be cheaper to pay full price for her ticket instead of buying a pass for {$290.00} and the additional XXXX cent plus taxes. I then closed out of the app, erased my cookies and proceeded to research the full price and see if we could get on the same plane. After doing this I noticed that it was in fact cheaper as she was only going on the XXXX trip as the layovers were long and demanding. After this I then went back to the website and purchased a full price ticket for her. My hyphosiss is that I was either hacked or someone in XXXX went into the server and pulled up the incomplete application and filled in the credit card information. In the supporting documentation that was supplied by XXXX I have highlighted areas on page XXXX that shows, Booking closed, payment completed and the amount owed is XXXX ( in XXXX different areas ) As with XXXX XXXX, the other party is easily able to come up with a false answer to justify their argument after the fact since they have had time to think up a counter after I supplied the flaw. Information impactedness comes into play as I have unequal access to their server and the time stamp on my transaction. More details are supplied in the supporting letter to XXXX and highlights in the rejection letter on page XXXX. Please also let me point out that on that same page XXXX of the rejection letter at the very top it says : Invalid dispute. Accepted transaction is also disputed. This tells that I had accepted the XXXX true transaction so why would I open a dispute on something that I already had admitted was true and used during XXXX. The statement is truly biased and is paradoxical. 

No login credentials were created or no transactions were ever attempted on this phantom account although I did in good faith take another trip to XXXX via XXXX XXXX and XXXX on XX/XX/23. If I had gotten another pass, my wife could have gone with me for taxes and XXXX cent. That would have been an offer that I couldnt refuse as she did successfully manage the long layovers because of non direct flights on her full price ticket to XXXX via XXXX in XXXX. Having worked in Customer Service, Claims, including Management at XXXX XXXX companies, it is really hard to believe that no one in Frontier or XXXX ever considered that I might actually be telling the truth and never even realized how unreasonable it would have been for me to pay {$290.00} for a pass plus a full price ticket. To compound the situation, on page XXXX of XXXX rejection letter, in the passengers section it shows that I was already a member. Normally online this would trigger a prompt telling you that you are duplicating a transaction and do you want to continue. No such prompt. Hated to have to go this route, but the people analyzing this seem to not want to accept that this is the truth.

Company response to consumer: Closed with explanation