Jeffrey P. Garber
[address removed]
October 31, 1998

Chase Customer Service
P.O. Box 15902
Wilmington, DE 19850-9800

Dear Sir or Madam:

Apparently the matter of the $30 charge on my Chase Platinum MasterCard, account xxxx xxxx xxxx xxxx has not been resolved.

On September 28, 1998 I phoned your customer service number to discuss the letter sent to me by J. Mcleggan dated September 21. I spoke to one of your representatives whose name, I believe was Mrs. Thai, or something similar. I informed your representative that I had not obtained a receipt showing that I had paid cash to the merchant, so I had nothing further to send. She informed me that without some documentation that I had paid the $30 in cash you could not dismiss the charge. I mentioned the absence of a signed charge slip showing that I authorized this charge, and she said that issue is still under investigation and if such an authorization could not be produced, my account would be credited the $30. She told me to wait until my next statement and see what happened. I have done that, and now I have been charged more finance charges and a late fee.

The absence of my signature on a charge authorization, which this merchant obtains for payments by credit card, supports my claim that both I and the merchant's employee believed the transaction had not been completed and that my two credit cards would not be billed.

I ask again that you credit my account for the unauthorized $30 charge and any finance charges and late fees which have resulted because of it. If you will not do so, please be advised of the following:

The Fair Credit Billing Act requires you to conduct a reasonable investigation and either correct the mistake or explain why the bill is believed to be correct. The Act also specifies that I have the right to request copies of documents proving I owe the money. I hereby request you provide me the results of your investigation and any proof you have that my claims are not factual.

Frankly, I am very disappointed in the level of service I have received from Chase on this matter, specifically that I have had to go to this much trouble to try to get this error corrected and that the issue remains unresolved.

Sincerely,

[signature]

Jeffrey P. Garber