Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

I am writing to bring AGAIN to JPMorgan Chase Bank NA and VISA attention a concern regarding a charge on my VISA XXXXXXXX credit card that was already disputed but with the wrong internal code. This is not a dispute for a difference in invoicing, this is an incorrect charge, not authorized and non-existent which should be considered FRAUD by the vendor XXXX XXXX as Im proving in this letter. 

I have the following letters from your Disputes department : - XX/XX/XXXX : Update on the dispute. 
- XX/XX/XXXX : Closing the dispute ( This was incorrectly disputed ). 
- XX/XX/XXXX : Re-open dispute and Researching charges disputed recently. 

I have also had several communications with your customer service department, at least seven times already in these last five months, the last one with XXXX at around XXXX XXXX EST on XX/XX/XXXX, who recommended re-opening the case via fax, so this time there should be no delay in resolving this issue. 

I have visited yesterday, XX/XX/XXXX, the Chase Branch in XXXX, XXXX and talked to the banker XXXX XXXX XXXX who has sent a fax with new documentation regarding this case. The fax claim number is XXXX and confirmation number is XXXX XXXXXXXX with a second fax with my credit card number as a subject with confirmation XXXX XXXXXXXX. This new information should be enough to re-open the dispute correctly, investigate about this FRAUD committed by XXXX XXXX with many other clients ( Around XXXX claims in XXXX only with 1-star rating and complaining about the same modus operandi of charging for unexistent damage ). 

On XX/XX/XXXX, I noticed an amount ( {$1000.00} ) related to a car rental by XXXX XXXX in XXXX, XXXX, while I was flying back to XXXX, U.S.A. I request your immediate attention to this matter. 

I am disputing this charge of {$1000.00} on my Chase VISA XXXX XXXX card , which the vendor informed me on XX/XX/XXXX it was related to damage to the rental car. The damage is attached in the pictures below. Im unsure if revising the pictures sent by fax will be possible, but I can re-send the originals if needed. The minimal damage in one rim from the front wheel was already there when I rented the car, and the other alleged damage in the front drivers door is just a black mark that was not there when I left the car, and it is not even damaged. 

Please BE AWARE that this is a common FRAUD/SCAM made by this vendor to their international tourist customers in their international credit cards ( the international customers have no protection from XXXX community laws ). The only protection we have is our credit cards reversing these fraudulent charges, and in this case, I have this protection from my CHASE VISA. REVIEW ANNEX I After several communications with Chase Customer Service and the new information brought to me by the rental company in XXXX, I tried to re-open the case. Still, I was unsuccessful over the phone, so Im sending this fax to re-open the dispute. 

Regarding the car rental, I would like to bring to your attention some important points ; none of the commonly accepted practices for car rentals was followed for this specific service since : 1.- The car given was not the car that I paid for ; instead it was a car with several damages. 
2.- The Car had multiple damages when picked up from the XXXX XXXX XXXX The XXXX XXXX representative warned me of the several damages on this car and wanted me to upgrade the car and take their own insurance ( both options were double the regular cost of the rental, which makes no sense ). 
3.- I noticed that the car had prior damage not ultimately noted by the XXXX XXXX company when I picked it up. The representative on the airports main floor made me sign an XXXX with the prior damage to the car ( only four items ) but NEVER sent this detail to me when I was finally in the parking lot checking the actual car. There was a BIG difference between the damage informed to me and the actual damage in the car. It was just so many scratches and bumps that it was impossible to note all of them. I was with my baby and my wife ; we didnt receive the details of the damages and therefore, we decided to leave. Before leaving, I attached multiple pictures to support this claim. No new damage occurred during my rental period, and you can refer to ANNEX II for further details. 
4.- The car was returned a few hours before the due time, and the XXXX XXXX office was closed. I followed the instructions to leave the keys in the after-hours box. No final rental revision was made in my presence, the car had no new damage and I never approved or acknowledged any damage that XXXX XXXX charged. 

As previously stated, there was no valid reason to charge my VISA credit card USD XXXX. However, I did sign an EURO XXXX HOLD on my VISA credit card as the car rental service required, which is not unusual and is done to protect the car in case of collision. This was not the final charge but merely a hold. If I had not complied with their request, I would have been obliged to purchase insurance from them at a cost of over EUR XXXX during that time. It is important to note that no actual charge was made at that point. 

I demand an immediate reversal on my credit card for {$1000.00} to address my concerns. All relevant records have already been shared for your review. 

I reserve my right to take legal action against VISA U.S.A. IncXXXX or JPMorgan Chase Bank for the time I have spent resolving an incorrect charge on my credit card. 

Today, I am making a payment towards my VISA credit card. The payment is for the remaining statement balance after deducting the incorrect amount of USD XXXX. 

I expect that there will be no late fees or interest charged on the incorrect outstanding amount in the future. 

Your prompt attention to this matter is appreciated. I await your response promptly.