Consumer complaint received 2026-04-29 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: MD

Complaint narrative:
I request that XXXX from the executive office handle this complaint because he is familiar with the issue. If this needs to be sent to claims a manager or experienced agent needs to handle this complex issue. This is regarding unfair business practice and billing error against XXXX XXXX XXXX. My rental contract started XX/XX/XXXX and it posted on my account XX/XX/XXXX which shows on my bank statement. To get a full understanding of the rental agreement and charges it is important to start at the beginning of the rental on XX/XX/XXXX. The reason I am outlining these dates is to show a consistent pattern of when the authorizations have been made and for which cycle it is due for. Since the beginning of the rental agreement is XX/XX/XXXX the auth is due XX/XX/XXXX as it shows on the invoice XXXX. Next cycle XXXX authorized on XX/XX/XXXX as it states on the invoice and on the transaction line it says XX/XX/XXXX which is the beginning of the rental and so on and so forth. It has always displayed that way and XXXX can not change it once it gets to XXXX to mean something different that would mean all the other transactions are incorrect. There was no issue until XX/XX/XXXX. The issue is on XX/XX/XXXX there was a pending authorization that never fell off my account and posted on XX/XX/XXXX. On XXXX end the XX/XX/XXXX auth posted in their system on XX/XX/XXXX, so both of those payments could not have posted for the same transaction and if it did that is a billing error and a duplicate. XXXX even mentioned there was a duplicate billing error that occurred in XXXX and the hold should have been released but it wasnt. The payment authorization on XX/XX/XXXX which was posted on XX/XX/XXXX I never got credit for so I had to make another payment on XX/XX/XXXX which there is an invoice to prove it and an invoice for the XX/XX/XXXX payment authorization. XXXX does not have an invoice for the XX/XX/XXXX or XX/XX/XXXX authorization, the invoice should show the authorization date like all the other invoices do. XXXX is switching transaction posting dates to align with something that is inaccurate. Also the invoices only show authorization dates not the posted dates in XXXX system. The consumer should have the date the payments posted if the authorization date is not valid which it is but XXXX is lying and saying it is for something different. The invoices provided to the customer should show the day the payments are made not when XXXX process them and my bank is not going to post the payment according to when XXXX process it in their system. Every invoice has an authorization date that shows when the payment was authorized. XXXX only provided an invoice for XXXX which was for authorization on XX/XX/XXXX and XXXX which was on XX/XX/XXXX. There is no invoice for the XX/XX/XXXX authorization that never fell off. I also have emails attached that show the payment failed and these emails should be considered because I receive them from the company and it never went through and that is why I made a payment on XX/XX/XXXX. If there was no issue with the XX/XX/XXXX payment I would have never disputed it. After the XX/XX/XXXX payment posted XX/XX/XXXX I had to make another payment immediately after because the next week was due for XXXX and that invoice shows an authorization date for XX/XX/XXXX. So if all the invoices and auth dates cover the cycles in question, where is the authorization for XX/XX/XXXX???? It can not also be for XX/XX/XXXX that doesnt make sense. And if the authorization date on the invoice is not for that billing cycle why is it on there? XXXX is saying the XX/XX/XXXX posted transaction is for the prior week of XXXX is impossible. If the close out dates are supposed to be the end of the rental week it would be XX/XX/XXXX. I dont know why the transaction date would be XX/XX/XXXX for that payment on XX/XX/XXXX when the previous rental would have closed on XX/XX/XXXX. The payment for the week of XX/XX/XXXX was made on XX/XX/XXXX and posted on XX/XX/XXXX as It shown on the bank statement and on the invoice. The week of XX/XX/XXXX was processed before the current week did and that would be inaccurate. If you look at the XX/XX/XXXX posted payment transaction date shows XX/XX/XXXX posted XX/XX/XXXX which is correct and that was for XXXX as it shows on the invoice. The previous invoice for XXXX payment was on XX/XX/XXXX as it shows on the invoice. It would have been for XX/XX/XXXX but my account was negative that day because XXXX put a hold on it and I had to wait for it to fall off. Additionally, if there are 4 weeks in a month XXXX should only have 4 payments posted not 5, for the weeks, XXXX, XXXX, XXXX, XXXX, but there is a 5th payment that is not applied to anything which is the payment in question on XX/XX/XXXX. If you look at the 3 invoices there is no authorization date for the XX/XX/XXXX or XX/XX/XXXX, but there is for XX/XX/XXXX and XX/XX/XXXX. If XXXX does not provide chase or me with an invoice with an authorization date under miscellaneous information for XX/XX/XXXX or XX/XX/XXXX like the others the money needs to be released back to my account because that payment got stuck in the system and didnt go to anything. The rental invoices continue to be consistent with the authorization dates being for the upcoming week not the prior week, the only difference is the dates some authorization took place 2 days after but that is only because XXXX did a pending authorization on the day it was due but the funds were not there so it failed as the emails I provided shows. Also the emails that indicate authorization failed, literally states authorized payment!! And to contact the number below to extend the rental. The authorization take place the first day of the new cycle which would be for Wednesday. The invoices are confusing and misleading to the consumers and are clearly inaccurate if XXXX wants to say the auth for XX/XX/XXXX was not for XXXX. If the date on the invoice is not for that billing cycle why is it on there? What authorization date goes for that billing cycle. Refer to the pending transaction XXXX pdf that shows what a pending authorization looks like. In a few days it should fall off. XXXX states when an authorization is made on an account the payment from the previous week is finalized and there is authorization for the next week which is not true. As you see in the transaction history there is only one pending payment not two which is only for the current week coming due XX/XX/XXXX for my current rental. Not for the prior week. XXXX thinks this is what the auth under misc is in reference too but its not. Under misc information is when the payment is made not when XXXX processes it on their end. I have attached another document ( final payment example ) which shows that it looks like when the payment finalizes. Included are the invoices, failed payment emails, rental agreement, final payment example, pending authorization for XXXX

Company response to consumer: Closed with explanation