Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My name is XXXX, and I want to share an important story for future guests. 
My fianc and I stayed one night at XXXX XXXX in early XX/XX/XXXX. We loved the location beautiful, quiet, and clean. The hotel itself feels far above its XXXX rating. The pool was great, and the room, around {$150.00} per night, was very comfortable. We left happy. 
Around XXXX XXXX, I spoke with a pleasant woman at the front desk. I asked if they had ocean-view rooms, and she said yes, I could reserve one for the following weeks. I told her Id confirm in the morning after speaking with my fianc. 
The next day ( XX/XX/XXXX ) we checked out. The front desk was empty, so we left without confirming anything. My fianc decided he didnt have time that month, so we planned to return later. 
The next day, XXXX XXXX charged my debit card {$530.00} without my authorization. I immediately called the hotel. The manager, XXXX, was extremely rude and unprofessional shouting and refusing to listen. She claimed that I had booked the room, which is false. I never signed or confirmed any reservation, and under Massachusetts Consumer Protection Law ( M.G.L. c. 93A ) and Federal Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), a business can not charge a consumers account without explicit authorization or signed consent.

Even if a reservation had been made, I had the legal right to cancel before the scheduled stay, and the hotel was obligated to provide a refund under Massachusetts 940 CMR 3.16 ( 3 ), which prohibits unfair or deceptive practices in business transactions, including the refusal to refund for services not rendered.

I explained this to Chase Banks fraud department, and they agreed with me the charge was unauthorized and they refunded my money. 
Shockingly, on XX/XX/XXXX, the hotel charged my account again another {$530.00}! I called repeatedly ; no one answered. My emails were ignored. Chase later informed me that XXXX XXXX submitted documentation claiming I signed the charge. That is completely false I have never signed anything. Submitting false authorization documents constitutes fraud and theft under Massachusetts General Laws c. 266 30.

What makes this even more painful is my health condition. I have suffered XXXX XXXX  since XX/XX/XXXX, confirmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were my last funds meant for XXXX XXXX XXXX XXXX XXXX By wrongfully taking this money, the hotel put my health and life in danger, violating M.G.L. c. 93A 2 ( a ), which forbids unfair acts that cause foreseeable harm to consumers. 
I am now preparing a motion to the Massachusetts XXXX XXXX ( XXXX ) to recover the stolen {$530.00} and seek additional damages for fraud, theft, emotional distress, and health endangerment. I will also file complaints with : Massachusetts Attorney Generals Office Consumer Protection Division Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  ) Please, future guests, be cautious. The location and rooms may be beautiful, but no hotel has the right to charge your card without your permission, and no one deserves to be treated with such aggression and disrespect. 
I wonder how XXXX reviews works! WOW. After XXXX emails that sent me to your email XXXX that ALL WERE JUST SIMPLY IGNORED I got an answer that DOES NOT SATISFY ME AT ALL. Can you explain this charge to me then : XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATM transaction {$530.00} So, XXXX WITHOUT MY AUTHORIZATION OR KNOWLEDGE YOU TOOK MONEY FROM MY ACCOUNT IN AMOUNT XXXX XXXX so I assume you will continue stealing my money just like that > I said I DID NOT CONFIRM MY RESERVATION, NO I DID NOT, NOBODY WAS AT FRONT DESK SO WE WERE ON THE RUSH! But even if I made the reservation, I HAVE A RIGHT TO CANCEL IT, ESPECIALLY I HAVE VERY XXXX XXXXXXXX WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been 6 times at XXXX XXXX XXXXXXXX, I was wrongly terminated and used all my saving since XX/XX/XXXX, and you STOLE MY LAST MONEY that I supposed to spend on medical oxygen small equipment and my meds from the cough, so I am taking you to the court for putting my health and life in the DRAMATIC DANGER! See you in the court. You took money and here on the public on XXXX you lie and tell me you did not take it when you took it, are you ok, or maybe out of your mind? Last time I checked it was called FRAUD and THEFT, or I was mistaken, maybe?

Company response to consumer: Closed with monetary relief