Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: TX
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 acknowledged that they received my dispute for {$2000.00} of the {$2600.00} charge from XXXX XXXX dated XX/XX/2022, because of an incorrect transaction amount. They confirmed they submitted the dispute to the merchant who responded with a rental agreement showing you were charged " the correct amount per the rental agreement and services were rendered '' for the entire rental duration from XX/XX/XXXX, through XX/XX/XXXX. 

Chase failed to accurately review the documentation provided by the merchant, however. Had they reviewed " the correct rental agreement '' or read my letters or previous complaints they would have seen the obvious computational errors on the final bill. 

On the final billing statement, the rates listed per time frame contain a clearly incorrect mathematical computation, stating the fee for a 1 month to be {$490.00}. However, the bill also states XXXX @ {$490.00} = XXXX. This is a very clear mathematical error as {$490.00} does not equal {$2300.00}. Additionally, the contract states unlimited miles are provided at no charge. So the subtotal I was charged for time and miles was {$2300.00}, not {$490.00} per my reservation and the billing statement. The billing statement contains additional errors under the breakdown of charges showing my time and mileage charges to be {$2100.00}, after previously stating the subtotal for time and mileage to be {$2300.00} incorrectly. These subtotals do not match up. 

Furthermore, if you take add up all the charges and discounts listed the total is {$2400.00}, however, the " final bill '' is for XXXX. This final bill states the net charges, that is the total prior to adding taxes is XXXX, and the final bill is XXXX. For this to be true, the company would have to not be charging me taxes which shows I was charged {$320.00} and {$48.00} in taxes. So the net charges can not be equal to the final charges. 

This " final bill '' is rife with inconsistencies and mathematical errors. I have called and spoken to Chase about this error repeatedly, so their claim to have been unable to reach me to discuss this billing error is unfounded and an incorrect statement. During my many phone calls the agents all agents I have spoken to in the billing department have been able to identify the mathematical errors and state they don't know why the dispute was found valid. They further resubmit it for review, even going so far as filing a grievance on my behalf for how this dispute was mishandled. 

These errors are very visible and present on the documentation provided by the merchant, who in their dispute rebuttal claim the amount due to be yet another amount differing from the inconsistent charges shown on the " final bill. '' Federal statutes allow consumers to dispute inaccuracies in billing statements, which this billing statement is full of. Yet Chase continues to consider this to be a valid charge despite all the very obvious mathematical errors contained and differing values the merchant claims were due, all of which are far greater than the amount shown on the original reservation and contract. 

Additionally, the reservation and contract provided at the time of rental, which displays the correct billing amounts state the vehicle rented to be a XXXX XXXX XXXX, which I drove XXXX miles. The final billing statement states I rented a XXXX XXXXXXXX XXXX which I drove XXXX miles. The vehicles even have different vehicle numbers. So the final billing invoice is for the wrong vehicle as well. 

Lastly, on the XXXX XXXX XXXX XXXX, they state the rental was from XX/XX/XXXX to XX/XX/XXXX, but claim the time of rental to be 32 days and XXXX hour. That would actually be 31 days. The final " billing '' statement also reflects the charge for XXXX month, which at most is 31 days. The number of errors and inconsistencies found on the billing statement and even the merchant 's refutal letter are ridiculous. Yet, Chase 's refusal to actually review the documents provided by myself and the merchant and review the billing statement is even worse.

Company response to consumer: Closed with explanation