Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This problem is about a transaction I made on XX/XX/year>. It was at XXXX XXXX XXXX TX at XXXX XXXX XXXX XXXX, Texas, XXXX for {$3700.00}. The charge was for damage to my vehicle from an insurance claim. I paid for the repairs before picking up the vehicle because I went out of town and let another family member pick up the vehicle a couple of days after. After I flew back to XXXX, I noticed the alignment of the parts they repaired seemed off. But the same week I flew back to XXXX, TX, I moved out of state to Michigan. Because I moved to a different going back to the body shop was not a viable option for me. So I contacted the body shop by email and phone hoping to come to some sort of resolution. I waited two days and received no response from the body shop, so on XX/XX/year> I contacted Chase Bank to do a partial dispute for the transaction for {$800.00}. I uploaded pictures and documents clearly supporting my argument, that the front bumper, fenders, grille, fog lights were misaligned after repairs and the hood wasnt not repainted. Shortly after, I found several more glaring issues that werent inspected by the body shop. The vehicles cv joints/ front axle assembly were damaged from the accident and the front toe wheel alignment wheel out of place ( causing a clicking sound when turning and the front end of the vehicle to sway when driving above 60 mph, I personally paid out of pocket to fix these two issues for {$940.00} at a mechanic in Michigan XXXX, the left rear brake rotor surface became uneven and had circular mark around it ( causing the vehicle to vibrate when the brakes were applied over 60 mph resulting from the harsh braking from the accident, I did not get a different mechanic to fix this issue yet ), the windshield wiper arms were misaligned from the repairs and not after the accident ( causing the wipers to squeak even after replacing the wiper blades themselves, I did not get a different mechanic shop to fix this issue yet ), and there is a white scratch under the grille on a plastic trim on the bumper that was overlooked ( I did not get another mechanic shop to fix it yet ). Because of these issues I continued to find, I contacted Chase claims department to increase the dispute to the full amount of {$3700.00}. They told me to upload more photos and documents to the original claim in hopes of increasing the dispute amount, and they said if that didnt work, call back and open another claim for the transaction to dispute the full amount. Shortly after, the original claim of {$800.00} was denied because they body shop claimed all services were provided and completed essentially taking their word for it. So I filed another dispute for the full amount of {$3700.00} on XX/XX/year> including all documents and photos supporting my argument, but not too long after the claim was denied on XX/XX/year> because Chase only allows for one claim for each transaction contradicting their previous statement. Chase said they are no longer willing to do anything to help me out, they pretty much took the repair shops word against mine, even though I had compelling evidence supporting my case. Also the Chase Bank mobile app does not allow you to upload videos for claims, I was only allowed to upload photos. FYI : some issues I mentioned were not part of the insurance claim simply because the body shop did not investigate the non cosmetic damages resulting from the accident. Also the body shop did some unnecessary repairs such as the fog lights and grille, both of which were still working without a scratch after the minor accident. So they caused some of these problems that were not preexistent.

Company response to consumer: Closed with explanation