Consumer complaint received 2016-07-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have been disputing XXXX unauthorized charges on my Chase Southwest Credit Card since XX/XX/XXXX. I have contacted Chase multiply times during the past three years with regards to my dispute, providing Chase with extensive details as to why the charges are invalid. Chase has been fully aware that the merchant XXXX XXXX ( XXXX ) charged my credit card PRIOR to XXXX making me aware of the charges or what the charges represented. 

BACKGROUND : After receiving my XXXX XXXX credit card statement, I saw where XXXX charged my card on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX to inquire about the charges and XXXX faxed the invoice to me on XXXX/XXXX/XXXX. ( As noted on the enclosed fax cover sheet. ) By reviewing the invoice, it was clear that a billing error occurred. However, XXXX was unwilling to credit my account, and therefore, I contacted Chase to make them aware that I was disputing the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX invalid and unauthorized charges. 

In XXXX XXXX, Chase found in my favor on XXXX of the XXXX charges and credited my account accordingly. When never hearing from Chase regarding the status of the second charge and realizing the charge had remained on my account, I called Chase XX/XX/XXXX to inquire. A Chase representative informed me that Chase only worked on XXXX of the XXXX disputed charges ; and therefore, I needed to contact Chase in writing to reopen the dispute regarding the XXXX charge, which I did on XXXX XXXX, XXXX. 

A few months later, I contacted Chase to inquire about the status of the second charge and was informed that Chase found the charge to be valid because XXXX stated it was part of a " deposit ''. After explaining that XXXX and I never agreed to " deposit '' charges, the representative informed me that I could request the dispute to be reopened if I could provide further documentation supporting my claim. 

The word " deposit '' spurred me to look closer at XXXX 's invoice and dissect each and every one of the multiple charges listed on the detailed portion of the invoice. I discovered that the XXXX charges I was originally disputing were actually a combination of multiple charges XXXX grouped together. Therefore, I wrote a letter to Chase dated XXXX XXXX, XXXX requesting the dispute to be reopened and explained that the remaining disputed charge was never part of a " deposit '' but a portion of the total rental fees, of which {$11000.00} of the total fees was billed in error and charged to my credit card. In my letter, I outlined each and every billing error that occurred regarding the overcharges. 

XX/XX/XXXX, I received a notice from Chase stating it determined that the charges were valid and would remain on my account. I called Chase on XXXX XXXX for an explanation. The Chase representative stated the charges were valid because there was no " proof of billing error ''. This was very confusing since proving proof of a billing error was my reason for submitting my XXXX XXXX, XXXX letter to Chase. A Chase supervisor further informed me that because I gave my credit card number to the merchant, XXXX was allowed to charge my card however it saw fit. ( My credit card was required to be on file with XXXX in order to rent its equipment. ) The Chase supervisor also informed me that the dispute is now considered closed and no further action from Chase will take place. 

I simply can not accept Chase 's reasoning for validating the charges. By XXXX charging my card XX/XX/XXXX and XX/XX/XXXX without my knowledge and not providing me with an invoice until XX/XX/XXXX, XXXX intended to charge without authorization. 

After reading my XXXX XXXX, XXXX letter to Chase and reviewing the supporting documentation I have provided in this complaint, I am hopeful that the CFPB will assist me in getting the invalid charges reversed. Also, Chase has been charging me interest on these charges since XX/XX/XXXX.

Company response to consumer: Closed with explanation