Consumer complaint received 2021-05-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was concerned that XXXX rental car company would attempt to make unauthorized charges on a card they had on file AFTER I already returned the car in the same condition it was rented because they had already tried to extort arbitrary amounts of money from me for damages they claimed I did. I demanded that they provide the necessary evidence to file a legitimate insurance claim which they refused to do. I requested before and after photos and an estimate of their alleged damages. They called me over an hour AFTER the car was returned on XX/XX/XXXX in the same condition with no issues and insisted I return and negotiate payments for minor scratches they had not marked down and said were not going to be blamed on me. When I arrived to view what they were alleging I observed the car was in the same condition that I had rented it and I told them I had insurance on the car and they should follow the proper procedures for placing a claim, instead they tried to XXXX me to file a false insurance claim. I spoke to their owner of the private franchise XXXX XXXX several times on the phone on XX/XX/XXXX, XXXX once prior to him seeing the car himself and once afterwards he stated that he would email me documentation and he did not. Prior to seeing the vehicle he alleged it was brand new and unused when rented to me however there were nearly 1000 miles on the car prior to my usage. 

I paid XXXX rental what was owed received my deposits back and just as I was concerned about from the way I had been treated an additional miscellaneous charge was put through and was pending on XX/XX/2021 which was posted on XX/XX/2021 for {$200.00} from a different location in Massachusetts than I had rented the car in Connecticut AFTER the card was cancelled on XX/XX/2021. XXXX rental did not have my new card information and this charge was then made without any authorization from me because the only authorization they had were for the charges I paid in person on the old card. Chase bank policy is that any charges that were pending or submitted after card cancellation have to be reinitiated by me in another form of payment because they will be declined. I disputed the charge after it was posted because you can not dispute a pending charge. A charge back for the unauthorized transaction was granted on XX/XX/2021 ClaimId : XXXX. On XX/XX/2021 Chase bank reversed this claim. They have overdrawn the account and call a minimum of 3 times every day to collect the funds that they gave to XXXX XXXX car even though it was an unauthorized charge to begin with. XXXX rental car was paid what was owed, the deposits were returned and no other charges were authorized on the old or the new card. I followed up with Chase bank both over the phone and in person and they stated that the merchant had provided them with proof. However the merchant did not have my new card information to submit any more charges on the account. I asked what kind of proof of sale was provided and they could not be specific or provide it to me. It was an unauthorized charge which was disputed on a previous card and the merchant has no access to my account therefore Chase bank should not be issuing any payments to the merchant.

Company response to consumer: Closed with explanation