Consumer complaint received 2025-04-30 00:00:00
Product: Credit 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.
State: TX

Complaint narrative:
This was the dispute letter I sent on my second time disputing the tow charge with my bank in relation to XXXX  XXXX XXXX  who is a storage lot holding my car And here is the tow co isnt that towed my car to this storage facility XXXX XXXX XXXX, XXXX  # XXXX XXXX XXXX, XXXX, TX,XXXX Tel : ( XXXX ) XXXX ( XXXX  # XXXX ) Now here is my letter to Chase bank I am writing to formally dispute a charge related to an unauthorized parking violation on XX/XX/year>. This charge is invalid due to inadequate and ambiguous signage, a lack of clear contractual agreement for enforcement, and the failure of the towing company or parking facility to meet the legal burden of proof, as outlined below. 
1. Inadequate and Non-Compliant Signage ( Violation of Texas Occupations Code 2308.301 ) Texas Occupations Code 2308.301 outlines strict requirements for parking signage to be legally enforceable. The law states that : Signs must be facing and conspicuously visible to the driver where the vehicle is parked. 
Signs must be placed where a reasonable person exiting their vehicle would immediately see them. 
Signs must explicitly state who may park in the lot, what constitutes a violation, and the penalties for non-compliance. 

How the Towing Company is Violating This Law : The signage was not visible when I parked. This is a direct violation of the law, which requires signage to be conspicuously visible and placed where a reasonable driver would see it upon parking. 
The sign did not provide clear details on enforcement. If it lacked a clear statement of penalties, timeframes, or specific restrictions, it does not meet the requirements of 2308.301 and is therefore unenforceable. 

Because the signage did not meet Texas legal requirements, any enforcement action based on it is legally invalid, and this charge must be reversed. 
2. Ambiguity of Restrictions Vague and Unenforceable Language ( Violation of Texas Business & Commerce Code 17.46 and TMUTCD Compliance ) Texas Business & Commerce Code 17.46 ( Deceptive Trade Practices Act - DTPA ) prohibits misleading or deceptive business practices. 
Texas Manual on Uniform Traffic Control Devices ( TMUTCD ) Section 2B.03 states that regulatory signs must clearly inform drivers of restrictions and be legible and specific to be enforceable. 

How the Towing Company is Violating This Law : The term No Event Parking is vague and lacks a legal definition. The sign did not explain : What qualifies as an event. 
What timeframes the restriction applies. 
How event parking differs from regular parking. 
Ambiguous language is considered deceptive under the Texas Deceptive Trade Practices Act ( DTPA ). 
If a reasonable person can not determine whether they are violating a rule, enforcement of that rule is misleading and legally unenforceable. 
Because the signage is vague, it does not meet state requirements, making this charge invalid and unenforceable. 
3. Burden of Proof Lies with the Parking Facility and Towing Company ( Violation of Texas Occupations Code 2308.404 & Fair Credit Billing Act - FCBA ) Texas Occupations Code 2308.404 places the burden of proof on the towing company or parking facility to show they met all legal requirements before enforcing a charge. 
The Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 protects consumers by requiring merchants to provide documented proof of a charge before a bank can uphold it. 

How the Towing Company is Violating This Law : They have not provided photographic evidence showing that the sign was visible from my parking space at the time of towing. 
They have not provided a time-stamped record proving that the restriction applied at the time I parked. 
If the towing company can not prove that I knowingly violated a clearly posted and legally compliant sign, then the charge must be reversed. 
Because the towing company has not met its burden of proof, this charge is invalid, and the bank is legally required to reverse it. 
4. Potential Violations of Texas Law by the Parking Facility or Towing Company ( Violation of Texas Occupations Code 2308.402 & Texas Business & Commerce Code 17.46 - XXXX  ) Texas Occupations Code 2308.402 prohibits towing companies from issuing fines or fees if they did not comply with signage laws. 
Texas Business & Commerce Code 17.46 ( XXXX  ) holds businesses accountable for deceptive practices, including unclear or misleading restrictions. 
How the Towing Company is Violating This Law : If signage was non-compliant or misleading, any fee issued is unlawful. 
If the towing company refuses to provide clear proof that I was in violation, then their enforcement is illegal. 
If they enforced a vague rule, they may be engaging in deceptive trade practices, which are subject to legal penalties. 

Because the towing company did not comply with these legal requirements, their charge is unlawful and must be reversed immediately. 
5. Improper Handling and Transfer to a Separate Vehicle Storage Facility ( Violation of Texas Occupations Code 2303.151 and 2308.205 ) The towing company transferred my vehicle to a separate vehicle storage facility ( VSF ), where I was required to pay the release fee on the same day. 
Texas Occupations Code 2303.151 states that any storage facility accepting a non-consent tow must be licensed and compliant with all regulations. 
Texas Occupations Code 2308.205 requires towing companies to ensure that the transfer of a vehicle to a storage facility complies with licensing and notification standards. 

How This Violates Texas Law : Unjustified Storage Fees : Since I retrieved my vehicle on the same day, storage fees are unjustified. 
Failure to Notify : I was not promptly informed of where my car was taken, violating the intent of Texas Occupations Code 2303.153. 
Unauthorized Transfer : I was not informed about the transfer to a separate storage facility, nor provided with documentation proving its licensing compliance. 
Lack of Licensing Confirmation : Neither the towing company nor storage facility confirmed their operational licensing, which is a legal requirement. 
Due to the towing companys failure to ensure legal compliance during the transfer and the storage facilitys unjustified same-day fees, this charge is unlawful and must be reversed. 
6. Formal Request for Immediate Charge Reversal Based on : Non-compliant and inadequate signage ( Texas Occupations Code 2308.301 ) Ambiguous and deceptive parking restrictions ( Texas Business & Commerce Code 17.46 & TMUTCD ) Failure of the parking facility and towing company to meet their burden of proof ( Texas Occupations Code 2308.404 & XXXX  ) Potential violations of Texas law and deceptive trade practices ( Texas Occupations Code 2308.402 & XXXX  ) Improper transfer and unjustified same-day storage fees ( Texas Occupations Code 2308.205 & 2303.151 ) I am requesting an IMMEDIATE REVERSAL of this unauthorized parking charge. 
7. Request for Additional Documentation from the Merchant To further assist with my dispute, I request that [ Bank Name ] obtain the following official documentation from the merchant ( parking facility, towing company, and vehicle storage facility ) : 1. A time-stamped photograph of the signage visible from my parking space. 
2. A written copy of the towing companys agreement with the parking facility. 
3. Licensing proof from the vehicle storage facility and its contractual authority to charge storage fees. 
4. Documentation confirming the justification for charging same-day storage fees. 
5. A record of prior disputes or complaints filed against this towing company or storage facility. 
If the merchant fails to provide this documentation, the charge should be reversed immediately. 
8. Conclusion and Final Request for Resolution Given the failure to meet legal requirements, the lack of valid signage, the unjustified storage fees for same-day retrieval, and the banks obligations under the XXXX, I request that [ Bank Name ] reverse this charge immediately. 
I appreciate your prompt attention to this matter.

Company response to consumer: Closed with monetary relief