Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I am reporting the dispute dept. at Chase bank. I had an issue with XXXX XXXX Car dealer due to two charges on my Chase credit card. When I contacted chase initially they refused to even consider disputing the charges because they said if I received the service then they could not dispute the charges. But because I reported them to your authority they considered starting a dispute and temporarily credited my account. this was almost three month ago. I sent all the required documents including invoices and second opinion as they requested from another repair shop but I kept receiving letters from chase telling me that if the disputed company which is XXXX XXXX confirmed that the charges are valid that they will reverse the temporary credit and post the charges. They also gave XXXX XXXX 3 month to respond. Then when I finally received a letter from chase with XXXX XXXX response almost after 3 month from starting the dispute I was given only a week to respond to continue the dispute. In addition the response was full of lies and addressed only one charge and left out the second charge. Does anyone in Chase dispute department read anything I sent to them? 

Here is what I send to them and you decide what keeping them from giving me permanent credit : XX/XX/XXXX Response to XXXX XXXX Letter : XXXX XXXX responded only to the charges on the first invoice for {$630.00} and did not address the charges on the second invoice for {$780.00} to change the thermostat. 

These are facts to correct what was mentioned in XXXX XXXX response letter : 1- I went to XXXX XXXX on XX/XX/XXXX because I had an engine light came up after a rock hit the bottom of the car while I was driving. I did not go there to request oil change or any of the other services they claimed I requested. How would I know that the breaks fluid or a cabin filter needs to be changed? I dont know these things! XXXX XXXX with XXXX XXXX called me after two hours from dropping the car and mentioned all these issues that I was not aware off. He made me believe that the light will be out when I get it back. After paying the first invoice when I got inside my car the engine light was still on. I did not leave. The car was still inside the dealer. I talked to XXXX who told me he made the light go out himself but when he went to the car and saw the light was still on he said the light must came back when they drove the care to bring it to the front. He scrambled some papers and said the light was not going to go away until they changed the thermostat. He also added the car might heat and burn if the thermostat was not changed. Of course, I was upset, and I needed to think about spending another {$800.00} to replace the thermostat. I drove the car only few miles to go back to my condo in XXXX. I parked the car and was afraid to drive it. 

2- XXXX XXXX kept calling me and assured me that the engine light would go out once they replaced the thermostat. I went back so they would change the Thermostat. I drove the car few hours before the light came back again because the thermostat was not the issue that was causing the engine light to be on. The second invoice to replace the thermostat was for {$780.00} ( was not addressed in the dealer response ). 


3- The engine light issue was due to a damaged sensor and electric wire near the bottom of the car and was repaired on XX/XX/XXXX at XXXX . The cost was {$280.00} per the invoice attached. Also at the time of the repair they got my attention to the discrepancy in the mileage readings on XXXX XXXX invoices. My car had only 59,490 miles and not 95,956 miles. 

To summarize : On XX/XX/XXXX my car got hit by a rock which damaged the sensor and wire at the bottom of the car. The repair costs only {$280.00}. XXXX XXXX created other issues without addressing the only reason I took my car to their garage which was engine light on. My car did not need oil change or break fluids flush or break works. I have never asked for any of these services. And the thermostat was not the issue because after installing a brand-new thermostat the light came back on. Since the correct repair was done at XXXX the light never came back to this day. The cost was only {$280.00}. I am requesting a permanent credit for the two invoices from XXXX XXXX for {$630.00} and {$780.00}