Consumer complaint received 2018-10-22
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Bank has refused to refund a " BAIT AND SWITCH '' amount of {$490.00} that was charged to my credit card, by XXXX. 

As soon as I realized XXXX had overcharged my credit card, I called Chase and asked that the charge be denied. Chase claims once you authorize a payment, the vendor will be paid. They claim I can not reverse an authorization, even though in this case fraud and deceit were involved. I was actually told by XXXX in the " executive office '' that I have no dispute rights! 


I told Chase that I tried to cancel with XXXX. The phone number I called which was also the same phone number Chase provided to me for XXXX is XXXX. On the menu you select # 3 if you have already booked a car rental. The phone does not answer. There is a dead space and then the quick busy signal. I can prove, via my phone records that I tried to call and cancel, minutes after I realized the bait and switch scam. I CAN PROVE THAT I TRIED TO CANCEL VIA THE PHONE NUMBER PROVIDED. CHASE NEVER TRIED THE PHONE NUMBER TO VERIFY THAT THE PHONE NUMBER AND MENU SELECTION DO NOT ANSWER. If copies of my phone call attempts are needed, they can be provided via my phone bill. 

Unable to reach XXXX, I called Chase. I also called XXXX and asked if there was anything they could do to help me. They could not because XXXX had been paid not XXXX. I did tell XXXX that I was going to cancel the reservation. 

THE {$490.00} THAT I WAS CHARGED FOR A XXXX CAR RENTAL WAS NEVER PAID TO XXXX. 

Chase verified that I had checked the tiny box that said I agreed to all the terms and conditions, and cancellation. And that is true. I had no desire to cancel the reservation for the car they had advertised. However, the advertised price was not the price I was charged. 

Chase has the ability to get the second by second information on this booking that would prove several things. It would show the advertised price of the XXXX from XXXX. It would show that XXXX did not show me what they intended to charge until AFTER I had Xed their little box and provided by credit card. I would not have authorized the increased amount they charged me. But I didn't know the total until AFTER they got my credit card. It would show I never asked for all the extra add-ons. The complete submission of my internet transaction would prove my claim of fraud, i.e. bait and switch. IT IS ALMOST UNIMAGINABLE THAT XXXX, IN THE EXECUTIVE OFFICE, SAID THEY '' CAN'T LOOK AT EVERY LITTLE SECOND. '' Maybe XXXX   charged double the advertised rate is because of add-ons like comprehensive, collision , road service and heaven knows what else. XXXX  can not show that I ever wanted these coverages, because I did not. XXXX told me I could have refused those coverages when I picked up the car, but the problem is XXXX already charged my credit card, and I couldn't reach them to correct the charges they put on my card. 

I would not have needed to cancel this rental if XXXX had not deceived me. 

I believe that Chase cares more about the percentage they receive from vendors then they do about cardholders. Otherwise, why wouldn't Chase thoroughly investigate my claim of fraud. 


Over and over Chase has told me that I can not prove my claim is true. But if Chase asked for and received my complete internet transaction and ALSO tried calling the phone number and the menu selection to cancel a car, they would see that what I say is true -- and they could prove it to themselves.

Company response to consumer: Closed with explanation