Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: WI
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:
I rented a XXXXl ( reservation # XXXX ) on XX/XX/XXXX. I dropped it off a day early ( XX/XX/XXXX ) at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX where it was scheduled to be dropped off at. Without notification nor my approval they charged my Chase XXXX {$720.00} for " returning to the wrong location ''. Although I have XXXX pieces of documentation proving that I was scheduled to drop it off at XXXX 's which is where I dropped it at. 

I tried resolving this with XXXX 's and they told me it was out of their hands but that I needed contact U-Haul directly. I did that and they told me that I wouldn't be charged but then I was charged on XX/XX/XXXX. When I called them back they told me they couldn't do anything but I'd need to work it out with XXXX 's. So both XXXX 's and XXXX corporate kept pawning me off to the other. At this point I went to Chase to dispute the charge. 

I disputed the charge with Chase multiple times. Their dispute department would tell me that the phrasing I used ( being " incorrect amount '' ) was incorrect and that's why I lost the dispute so they told me to use different phrasing and resubmit the dispute. I resubmitted saying that it was an " over charge '' and they again denied the dispute on terminology, telling me that I needed to use different wording to I submitted the dispute again saying that it was an " invalid / inappropriate charge '' because the charge was for returning to the wrong location but I have proof that I returned to the correct location. Chase denied that also telling me that they can only dispute a certain number of times and they'd already paid the merchant. The last supervisor that I spoke with XX/XX/XXXX from XXXX to XXXX told me that she agrees that I shouldn't have been charged, but unless the original dispute included the initial receipt ( with XXXXXXXX, not XXXXXXXX XXXX XXXX ), and the reason for the dispute being " compliance '' then it's too late and they can't do anything to help me. I expressed my frustration that after speaking with 6+ Chase Visa representatives and spending several hours on the phone with them, why am I just now being told this if it's too late now. 

Chase should not have paid this charge in the first place because I hadnt done business directly with XXXX booked the XXXX through XXXX website and paid XXXX directly. XXXX was simply the drop off location and because I had not made the original purchase ( rental ) through XXXX, I had no agreement with them. They do not have a signature of myself accepting or agreeing to pay the bill that they charged to my card, and as already pointed out, the charge was a fraudulent charge anyway. The definition of fraud is an intentional deceptive action designed to provide the perpetrator an unlawful gainthis is what XXXX did. I had no agreement with them, I did not do what they charged me for doing ( returning the rental to the wrong location ) and I provided proof that I did return it to the correct location, so it was an intentional action on their part to steal my money by claiming I returned it to the wrong location.

Company response to consumer: Closed with explanation