Originally Posted by redtop43

Not sure if this is the right place for this or not - but as close as I can come I guess.

I rented a car several months ago, and brought it back with a scratch. At checkin they noted the damage and said something about checking the vehicle history to see if they thought I was liable. I have a Chase MP card with primary collision damage coverage. The date of the vehicle return was December 23. I had booked the rental on Hotwire.

I work overseas and only see my mail every 3 weeks. On February 15 I got a letter from the car rental company asking me for $300. About a week later I contacted Visa and they denied the claim, saying that I had reported it 65 days after the return and they require it within 45 days.

What makes this curious is that the car rental company apparently sent me letters on December 28 and January 18, to an address I have not lived at in well over a year. On February 11 they send a letter to my new address. They did not send me anything by email. Phone calls might well have been futile since my phone is turned off while I'm overseas.

My drivers license does have my old address on it, but I don't know that they really check that and key the address on the rental contract to it. I logged into my Hotwire account but I couldn't even see where my mailing address was. It's curious that somehow between January 18 and February 11, they "found" my new address (which is just in the next town over, not that this matters all that much).

My last communication with the car rental company was them telling me how it was my fault since I ignored their letters on 12/28 and 1/18, me saying "What letters?", them sending me copies, and me writing back and saying "Well why are the addresses different and one is incorrect?" Haven't heard back since I told them about the address thingy, but that was just yesterday.

Comments, advice, anyone have similar experiences? I think Visa is being a bit unreasonable over a 20-day difference, especially since there is a clear reason.