Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
( I will upload the exhibits from the formal dispute letter sent to Chase. The contents of the letter appears below. Note that my spouse and I were on the trip, during which the disputed charge occurred, hence, the use of " we '' below. ) We are submitting this letter to dispute, as a billing error under the FCBA, the charge of {$79000.00} USD ( the Charge ) that posted on XX/XX/year> ( XXXX  ) for our taxi ride in XXXX XXXX. 
XXXX. Taxi Ride on XX/XX/year> and Related Charge On XX/XX/year> at approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), we took a taxi from XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX. Our XXXX XXXX shows the ride covered XXXX miles and XXXX minutes. The transaction appears in our records with a XX/XX/year> transaction date in XXXX time, which corresponds to XX/XX/year> ( XXXX ). 
At the time of the ride, we obtained the taxi companys business card, front and back, which identifies the service and driver ( see Exhibit A ). 
At the time of payment, we believed we were approving a normal local fare in XXXX XXXX. 
We did not and would not have authorized any amount remotely close to {$79000.00} USD. 
For comparison, to illustrate what a reasonable taxi fare should have been, on XX/XX/XXXX at around XXXXXXXX XXXX XXXX, we took a return taxi ride from the XXXX XXXX XXXX to XXXX XXXX XXXX using a different taxi service. That ride cost XXXX ( {$44.00} USD ), as documented by a XXXX XXXX entry ( see Exhibit B ). The route was identical in distance and similar duration to the ride in dispute. 
Our Chase statement shows that the Charge was processed at an exchange rate of XXXX, indicating the taxi terminal charged XXXX directly in XXXX, not XXXX XXXX. See Exhibit C. We were not given the option to decline this, nor was it made clear at the time of payment.

The Charge of {$79000.00} is grossly inconsistent with the service provided and clearly does not reflect what we understood or authorized. 
XXXX. Our Prompt Reporting and Chases Insufficient Response XX/XX/year> After reviewing the account online and noticing the unauthorized Charge, we called the international number on the back of the credit card and reported the unauthorized Charge. At no point before the XXXX posted did Chase contact us by phone, message, or email to verify this unusually large transaction, which was far outside our normal spending pattern. 
XX/XX/year> Chase cancelled the card as a precaution in light of the unauthorized XXXX and mailed a new card to our home address. The XXXX was removed from our account. 
XX/XX/year> Chase left voice messages for XXXX and XXXX. XXXX returned the call the same day. The representative refused to transfer XXXX to the agent who left the messages and instead asked brief questions. 
XX/XX/year> Chase decided, without further discussion, that we are responsible because You received benefit from this transaction ( See Exhibit D ). 
XX/XX/year> The XXXX was re-posted to our account. 
XX/XX/year> XXXX called Chase twice that day. The first call was disconnected. The second agent said the matter had been moved to the XXXX XXXX Department and that we would receive a call within XXXX business days. That time has elapsed, and no one has contacted us via phone, email, mail, or secure-message. See Exhibit XXXX for the absence of any secure-messages. 
XX/XX/year> XXXX visited the Chase branch in XXXX XXXX to resolve the matter in person. XXXX XXXX XXXX called customer service so XXXX could speak with an agent. During that call, XXXX received the outcome of the fraud review and was given a copy of the letter in Exhibit D, which we have yet to receive by mail. 

XXXX. This is a billing error covered by the FCBA The transaction amount and currency were not what we authorized. Under XXXX, we are exercising our right to dispute this billing error because the amount charged is grossly disproportionate to the service provided. This falls within the FCBAs definition of a billing error, which includes charges for services not delivered ... as agreed. ( XXXX XXXX. XXXX ( b ) ( XXXX ) ).

Company response to consumer: Closed with non-monetary relief