M49 Vehicle Rental - Theft or Loss of Use

This code is used when a vehicle rental merchant charges for theft or loss of use and the cardmember disputes the charge as improper or excessive.

• Cardmember disputes charges related to vehicle theft
• May dispute loss of use charges during repair period
• Related to M10 (Vehicle Rental - Capital Damages) but specifically for theft/loss scenarios

Provide evidence of:

• Signed rental agreement with theft/loss terms
• Police report if theft occurred
• Documentation of loss of use period
• Itemized breakdown of charges
• Evidence cardmember was responsible per agreement

To prevent this chargeback:

• Clearly disclose theft and loss of use policies at rental time
• Obtain signed acknowledgment of liability terms
• Document vehicle condition at pickup and return
• Provide itemized receipts for all charges