JPMorgan Chase & Co. Complaint

JPMorgan Chase & Co. Credit card department,

I contacted Chase VISA - Credit Card in early -, 2016 to 1 ) advise I was traveling to - & - - - - -, 2016 so as to avoid any potential fraud alerts. Second I requested information/updates to my use of my Visa - card in renting cars in both - and -, particularly as to any updates regarding Collision Damage Waiver ( CDW ) and use of my card for insurance when renting cars in - & -. I was transferred to the Benefits Administrator unit. I advised the person I talked to ( unfortunately, I did not write this person 's name down ) I was traveling to - & - and would be renting a car in each country. The person asked me if I wanted him/her to review the terms of insurance coverage when using the Chase Visa - card or send me a copy of the guide. I advised that he/she could send the guide. The person reminded me to decline any insurance/ - offered by the rental car company and advised it is

Once in -, we arrived at - - - Car to pick up our car. I presented my Chase Visa - Card and said that I was declining their CDW insurance. They asked me for a letter from Chase. I said that I had no such letter. The rental agent advised me that I could not rent a car without this letter. I said that I contacted Chase prior to leaving on the trip and was NOT told that I needed any letter confirming CDW coverage under my Chase VISA card. The agent told me that they would not rent a car to me without that letter using the Chase card insurance coverage. He said that - was an exclusionary country that did not have to honor the Chase CDW insurance, especially if I did not have the letter from Chase. And even with that letter I would be required to post a - - deposit on my Chase card. I offered to call Chase right then and there and they would confirm my coverage. The agent said no, it would not make a difference. I needed to present the letter to them now. We had a lengthily discussion and the agent 's answer was the same : he would not rent a car to me using Chase CDW insurance without that letter. The only option was to buy CDW insurance from - at either - per day with limited coverage or - per day with complete full coverage. I protested that this was an excessive amount of money for insurance. The agent explained that insurance in - is very high due to the number of accidents, bad drivers and claims made by drivers against insurance companies. I was extremely upset and angry about this because the total cost of the insurance would be about three times was it cost to rent the car. Since I was beginning my 2 week vacation with my wife and sister-in-law, I had no choice but to take Enterprise 's CDW, we opted for the higher protection because at this point I did not trust them and their limited coverage. Upon returning the car, I noticed that the rental car agreement specified the total charge for car and insurance was - Euros, but the receipt attached to the agreement showed the transaction amount to be $990.00 - -. I told the agent I did not want the charge in dollars, but in -. I was told I needed to talk to the manager on duty, which I did and explained to him, I wanted the charge changed to - and not -. He said that he could not change the receipt, but that the rental agreement amount was in - and that this is what would be billed to my Chase card and not dollars. Hence this part of the problem was resolved with the issuance of the $55.00 credit. So the fact still remains that I dispute and reject the charge of $930.00 with this clarification. In all my correspondence I have been disputing the charge of $930.00, which I now find is slightly wrong, I forgot to subtract $290.00 for the rental car. Correct disputed is $630.00