Consumer complaint received 2024-02-07 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: AZ

Complaint narrative:
I completed and car rental agreement online with XXXX and printed my contract identifying the vhicle, location date, duration & PRICE there was no mention on the 6 paghes of non-cancellable or non-changeable. Something bothered me and I called customer service. The initial agent and supervisor refused to discuss the fact that I had a contract that was NOT RESTRICTIVE. I started a dispute with Chase bank my credit card company and over 60 days they did not present my call log which documented my call to XXXX. Since Chase 's website was very restricted to the number of characters explainng in detail the issue I was told to call Chase dispute departm, enmt and have someone transcribe a 42 minute verbal conversation explaning eveything. I provided additional information to Chase and at the end of 60 days Chase did not provide any of my information to XXXX to prove that there was nothing in my contract restricting my rental agreement like non-cancellable or non-changeable. Chase dispute department simply accepted XXXXXXXX XXXX explanation, ignored my 6 PAGES OF MY RENTAL AGREEMENT and call log and never sent my 42 minute phone call which XXXX promised to transcribe explaing the circumstances and explanation. Chase then charged my card for {$1400.00}. I have more than 100 hours of communicating with Chase executives and other departments and they simply acepted 100 % of XXXXXXXX XXXX explanation and they never sent my evidence to XXXX. Chase even admitted in writing that because they did not have to send in the evidence Chase opted not to. Chase offered to credit my account for {$500.00} if I would drop the case and I refused because their behavior was so unfair to me the credit carder holder. I started a small claims complaint against J.P. Morgan Chase Bank and they immediately hired a law firm whichg moived the small claims complaint to civil court. There was to be a non-binding mediation by phone and I never was notified and when I called about the status of the case I discover the XXXX mediation occurred a few days before and the judge decided to diswciss my case with predjudice. When I sent in a motion to set a new phone mediation date the judge refused and I was advised that I could send in a motion again regarding the judges dismissal it was refusaed again. to this day since around the middle of XXXX I never received a mail or any notification about the phone mediation or either of the motions that were dismissed yet the judge never considered that I was not notified and it was not intentional. The XXXX that the mediation was not binding there was " NO RISK OR MOTIVE IN NOT MAKING THE PHONE CALL BECAUSE I HAD THE EVIDENCE AND WAS PREPARED TO DEFEND MY CASE. In the last 12 months my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a credit card holder who may spend upwards of XXXX XXXX a month on my credit card I have never carried a balance forward and always paid the full balance for almost 60 years. The only protection I have from fraudulent or errors of charges from venders is Chase Bank and they failed me 100 %. Instead of using my evidence and common sense they give in to XXXX, charge my account for {$1400.00} and cowardly hire a law firm to defend themselves instead of improving/correcting their performand and responsibility of protecting their credit card holder. I would like you to make my experience available to all credit card holders who are not aware of the risk their taking with Chase Bank. I have all of the evidence available to send you if and when you want. This information was prepared back in XXXX when the court required me to " compel discovery '' and the exhibits have been prepared since last XXXXXXXX XXXX. The rental agreement with XXXX around The XXXX of XXXX, XXXX was never meant to be final. In other words, we fly to Hawaii for about a month every XXXX and the rental car rates are high. So what I do is search on the web for a better rate that is not restricted regarding cancellation or changes and I hold that until I prove that is my best rate just prior to the flight. Because it was ILLEGAL & UNFAIR OF XXXX I never intended to use their rental agreement and it was A " NO BRAINER '' FOR CHASE 'S DISPUTE DEPARTMENT to defend this case I eventually paid around {$1200.00} to XXXX for XXXX XXXX rental in addition to the {$1400.00} charge AGAINST MY CREDIT CARD ACCOUNT. PLEASE HELP ME. I CAN DOCUMENT EVERYTHING REGARDING MY CHASE BANK EXPERIENCE AND MY LAST 12 MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE LAST THING I SHOULD BE DOING WITH MY HEALTH ISSUES IS TO CONTINMUE THIS FIGHT REGARDING CHASE BUT I CAN'T QUIT. IT'S WHO I AM WHEN I GET " XXXX XXXX. IT WON'T BE DIFFICULT, BUT CHASE BANK MUST CORRECT AND IMPROVE THEIR DISPOUT DEPARTMENT IN ALL FAIRNESS TO THEIR CREDIT CARD HOLDERS. THANK YOU. XXXX XXXX

Company response to consumer: Closed with explanation