JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Billing disputes Florida

I have been disputing - unauthorized charges on my Chase Southwest Credit Card since -/-/-. I have contacted Chase multiply times during the past three years with regards to my dispute, providing Chase with extensive details as to why the charges are invalid. Chase has been fully aware that the merchant - - ( - ) charged my credit card PRIOR to - making me aware of the charges or what the charges represented. BACKGROUND : After receiving my - - credit card statement, I saw where - charged my card on -/-/- and -/-/-. I contacted - to inquire about the charges and - faxed the invoice to me on -/-/-. ( As noted on the enclosed fax cover sheet. ) By reviewing the invoice, it was clear that a billing error occurred. However, - was unwilling to credit my account, and therefore, I contacted Chase to make them aware that I was disputing the -/-/- and -/-/- invalid and unauthorized charges.


me that Chase only worked on - of the - disputed charges ; and therefore, I needed to contact Chase in writing to reopen the dispute regarding the - charge, which I did on - -, -. A few months later, I contacted Chase to inquire about the status of the second charge and was informed that Chase found the charge to be valid because - stated it was part of a " deposit ''. After explaining that - and I never agreed to " deposit '' charges, the representative informed me that I could request the dispute to be reopened if I could provide further documentation supporting my claim. The word " deposit '' spurred me to look closer at - 's invoice and dissect each and every one of the multiple charges listed on the detailed portion of the invoice. I discovered that the - charges I was originally disputing were actually a combination of multiple charges - grouped together. Therefore, I wrote a letter to Chase dated - -, - requesting the dispute to be reopened and explained that the remaining disputed charge was never part of a " deposit '' but a portion of the total rental fees, of which $11000.00 of the total fees was billed in error and charged to my credit card. In my letter, I outlined each and every billing error that occurred regarding the overcharges. -/-/-, I received a notice from Chase stating it determined that the charges were valid and would remain on my account. I called Chase on - - for an explanation. The Chase representative stated the charges were valid because there was no " proof of billing error ''. This was very confusing since proving proof of a billing error was my reason for submitting my - -, - letter to Chase. A Chase supervisor further informed me that because I gave my credit card number to the merchant, - was allowed to charge my card however it saw fit. ( My credit card was required to be on file with - in order to rent its equipment. ) The Chase supervisor also informed me that the dispute is now considered closed and no further action from Chase will take place. I simply can not accept Chase 's reasoning for validating the charges. By - charging my card -/-/- and -/-/- without my knowledge and not providing me with an invoice until -/-/-, - intended to charge without authorization. After reading my - -, - letter to Chase and reviewing the supporting documentation I have provided in this complaint, I am hopeful that the CFPB will assist me in getting the invalid charges reversed. Also, Chase has been charging me interest on these charges since -/-/-.