Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CT
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:
My filing of this complaint pertains to my right to file a dispute which is accepted and investigated by Chase Amazon XXXX. Narrative of Issue... 
After becoming aware of a fraudulent additional charge on my Chase Amazon XXXX card for a rental from XXXX XXXX XXXX XXXX I tried to dispute {$310.00} of the {$950.00} charge on the Chase website. I was prohibited from using the automated dispute filing option and instructed to contact Chase Dispute department at XXXX which I did on XX/XX/XXXX. 
I informed the Chase Representative that there were fraudulent Optional charges for Personal Accident Insurance and Personal Effects Protection costing EUR XXXX or {$340.00} ( See below summary of events ). I was not disputing the remaining {$610.00} of the transaction. 
The Chase Representative informed me that I would not be able to dispute the charge " without documentation of the previous charge ''. Not understanding what that meant I was told if I didn't have the original Rental Agreement from XXXX XXXX, for the rental on pickup date XX/XX/XXXX, Chase would not accept the dispute. I advised the representative that I asked the XXXX XXXX Representative for a receipt and was told that company policy was to issue all rental agreements via Email. I never received the rental agreement and my attempts to secure one while in XXXX were unsuccessful as I did not have a confirmation number for the rental ( which would have been listed on the rental agreement if I had received one via Email ). I wasn't able to secure a Rental Agreement receipt from XXXX until XX/XX/XXXX when I returned to XXXX. In effect I was fraudulent, charged unauthorized and declined XXXX XXXX from XXXX and was not provided the original Rental Agreement, of which I'm still trying to secure from XXXX. The Rental Agreement will show I did not sign or agree to the additional " Optional Protective Services '' charged to my Visa account ( XXXX XXXX  Agreement XXXX ). 
The case number for my XX/XX/XXXX contact with Chase is XXXX XXXX My filing of this complaint pertains to my right to file a dispute which is accepted and investigated by Chase Amazon XXXX. 



The following narrative was communicated to Chase and also submitted to XXXX XXXX. 
Rental Agreement Number is XXXX On XX/XX/XXXX I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Service Area The dates of the rental were XXXX. The Rental Agreement Number is XXXX. During the booking process XXXX XXXX Customer Service Representative XXXX XXXX advised me that he was directed, by his immediate supervisor, to make me aware of the XXXX XXXX XXXX XXXX XXXX offers customers. I immediately advised XXXX I was not interested in any XXXX XXXX pertaining to the rental vehicle. XXXX completed the transaction and advised me that a copy of the agreement would be forwarded to me via Email. I was not asked to sign the rental agreement and at the conclusion of the rental process I left with the vehicle ( Red XXXX XXXX XXXX XXXX ). Over the course of the next 24 days I did not receive a copy of the rental agreement from the XXXX location. On XX/XX/XXXX after arriving home from XXXX I became aware of a charge to my XXXX account from XXXX XXXX {$950.00}. That amount was more than I expected to pay for the rental. 
I contacted XXXX XXXX Customer Service at XXXX ( International Rental prompt XXXX ) and was advised that the rental agreement indicated XXXX XXXX charges of XXXX  XXXX. Bringing the total transaction to XXXX  XXXX instead of XXXX XXXX. 

Customer Service Representative XXXX XXXX fraudulently added XXXX XXXX I specifically indicated I did not want or need. XXXX also did not provide me with a copy of the agreement at the time of the rentall. 
I have rented many vehicles from XXXX XXXX throughout the years and have never purchased XXXX XXXX. In fact leading up to the trip to XXXX I booked XXXX XXXX XXXX rentals for the XXXX time period canceling reservations as better prices became available and none of the previous XXXX reservations had XXXX XXXX. The confirmation numbers for the XXXX canceled reservations are as follows and available for XXXX XXXX to review. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the aforementioned reservations booked XXXX XXXX. 

XXXX XXXX and his XXXX, who conversed in XXXX throughout the booking process, fraudulently and with intent added additional unauthorized charges to my rental. I believe this was done to profit off of upgrading the car rental.

Company response to consumer: Closed with explanation