Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a dispute on my credit card ending in XXXX. This charge was filed in the amount of {$9100.00} on XX/XX/XXXX. 
Details : XXXX. On XX/XX/year>, I submitted a request to make a reservation for stay at a property via XXXX. 
XXXX. The host/merchant responded to my request via secure chat giving details on the property. We had an exchange of a few messages. All messages are copied and pasted below. Per this conversation, we came to an understanding that given details of the property, I did not want to make this reservation. The host acknowledged that I was not interested in this booking. It is reflected in her reply at the end of the chat, you never booked it so no worries. Best of luck to you XXXX. Based upon the above, I understood that I am not proceeding with this reservation and my credit card should not be charged. 
XXXX. In the meanwhile, the host accepted this reservation on her end. I am not sure how and why she accepted it even after we had a clear understanding of not proceeding with this. Per XXXX policy, only host can decline a request after it has been submitted and a full transaction takes place based upon mutual understanding between the host and the customer. 
XXXX. Based upon above, my understanding was that the host will not accept my request because we both decided not to proceed further. I asked her to cancel the reservation but she did not. 
XXXX. In the meanwhile, Chase bank sent me an alert on my phone about a possible fraud activity. I acknowledged that this is fraud because my understanding was that I did not accept the reservation and if any one is attempting to charge the credit card despite a mutual understanding between host and myself that we are not proceeding with this reservation, it should be classified as fraud. 
XXXX. Chase bank also classified this as fraud. I was informed that this charge will not stay on my card. 
XXXX. However, a few weeks later, on XX/XX/XXXX, I received a letter from Chase that the fraud claim was reversed after Chase fraud department investigated this. They classified this as a valid transaction. 
XXXX. I called and was advised to contact dispute department for filing a dispute. 
XXXX. I would respectfully state that I would like this entire charge to be reversed from my credit card on the basis that, a. Both myself and the host/merchant ( XXXX in this case ) had a clear understanding that we are not proceeding with this reservation. 
XXXX Host/Merchant did not provide this service to me AND I did not use this service. 
XXXX The host/merchant acted unilaterally and without my consent by charging my card on AirBnB site. 
d. I was notified by Chase bank that a fraud alert was in place and that I was not going to be charged this amount. This reassured me that I did not need to take any further action to contact AirBnB or the host for the property.

Company response to consumer: Closed with explanation