Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On-line, on XX/XX/2018, I tried to rent a car. On XXXX, a XXXX   was advertised for a very low price. I was going to rent the XXXX for {$170.00}. When I went to the pages to confirm the booking, XXXX ( hereafter referred to as XXXX ) played some very dirty tricks. First of all, before the price that I would have agreed to pay was not shown. Instead pages forcing me to accept terms and conditions ( before the price was confirmed ) was displayed and I had to click on that tiny box before proceeding to next page. It was only AFTER my credit card information was supplied that XXXX showed that I had just ordered a rental car for {$490.00}. They added all kinds of upcharges that I did not request. And I know that it is illegal to charge for items that have not been requested. 

Because I stilled wanted the {$170.00} price and wanted all the upcharges removed, I tried to call XXXX. Their phone number was and still is rigged to never answer those calls that come in IF YOU HAVE ALREADY BOOKED a rental. Because after many attempts I could not get through, I called Chase Bank and explained the situation and told them to refuse to allow the charge to go through. This was a fraudulent charge. XXXX added charges that I never requested. The Chase rep told me I had to let the charge go through. That I could not refute the charge until it showed up on my account. 

XXXX, in the Chase Executive Office, told me I had no rights to refute charges on my credit card. However, I live in Florida. In Florida we have consumer protection laws that Chase has blatantly ignored. This is an explanation of one of those laws,. 

Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), sections 501.201-.213, Florida Statutes is intended to " protect the consuming public and legitimate business enterprises from those who engage in unfair methods of competition, or unconscionable, deceptive, or unfair acts or practices in the conduct of any trade or commerce. 

In addition, Florida has a law that refers to purchases not yet received. It specifically states that a consumer has the right to cancel a purchase that has not yet been received. 

I have filed complaints with Chase on this XXXX fraudulent charge, XXXX, from the Chase Executive Office, on a recorded call has told me that I have no right to refute anything on my credit card. This is in total defiance of Florida Law, not to mention decency, honor and doing the right thing.

XXXX told Chase they could not refund money because of the costs incurred by their merchants and vendors. This is an outrageous lie. XXXX ( a division of XXXX ) told me that they never received a booking and have no rental record in my name for the XXXX I wanted and got charged for. In addition, XXXX never received any money from XXXX. If a rental car was never ordered, and then never paid for, how can XXXX  have the audacity to keep that money. 

Further, it is illegal to add on upgrades to an order if they have never been requested and I certainly never requested any upgrades. I never buy insurance, comprehensive, collision, liability or road service since my XXXX XXXX policy covers everything when I am renting a car. I don't buy the gasoline. I find it cheaper to pay it for myself. I did not want nor did I approve all the upgrades put on my bill. I would have never cancelled the car if I had been able to rectify all the upcharges upgrades and unapproved charges that were added to my expectation of renting a car for {$170.00}. 

Further, it is illegal to collect and keep money for insurance that was never in force. Never used. 

Chase can not expect me to pay for items I did not request and find fraudulent. 
Chase never tried to ca ll the number I provided to determine the absolute truth that XXXX, had and still has their phone rigged so that calls are never answered once a car is booked. They need to call the number, follow the instructions on the menu, and know that this is a fraudulent, deceitful, unethical company. 

I believe they ignore customers like me and collect money from their vendors regardless of fraud and deceit.

Company response to consumer: Closed with explanation