Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX To : Chase Credit Card Disputes and Fraud Case XXXX, Transaction and Detailed History ( there may be other calls to and from Chase that are not listed ) : On XX/XX/XXXX. I called around for insurance for my XXXX XXXX  I am a XXXX XXXX  that cleans boat hulls. This is an XXXX, XXXX, business. I needed this insurance in a timely manner for one of the local marinas, requested insurance. 

I spoke with a man identified as XXXX XXXX with XXXX XXXX XXXX. He said no problem, I have you covered. 

I was charged on XX/XX/XXXX, for {$440.00} to initiate the fraudulent policy. I was then charged for {$100.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I was notified via telephone by XXXX, the insurance underwriter, that I was a victim of fraud. I have the contact info for the Executive Vice President, Special Investigations Unit, XXXX. He is the one that called. 

1. FRAUDULENT MERCHANT IS NOT LICENSED TO ACT AS AN INSURANCE BROKER IN THE STATE OF FLORIDA. XXXX XXXX LIED TO THE UNDERWRITER AND TO MYSELF, YOUR CLIENT. 
2. FRAUDULENT MERCHANT LIED TO THE UNDERWRITER ABOUT THE BUSINESS I PROVIDED.

3. FRAUDULENT MERCHANT LIED TO ME IN REGARDS TO HIS CAPABILITIES, INCLUDING HIS ABILITY TO BROKER IN FLORIDA AND WHAT HE COULD COVER.

4. FRAUDULENT MERCHANT LIED IN REGARDS TO ACTUAL POLICY COST. 
5. FRAUDULENT MERCHANT LIED AND PROVIDED THE INCORRECT EMAIL AND PHONE NUMBER TO XXXX SO THEY COULD NOT REACH ME. 

THE ENTIRE POLICY WAS CANCELLED BY THE UNDERWRITER ON XX/XX/XXXX. 

On XX/XX/XXXX, XXXX at XXXX XXXX, I called Chase and informed them of the dispute and asked Chase Credit Card Service to STOP PAYMENT. They assured me they would. Please listen to a transcript of that call. A dispute case was opened at that time. 

XX/XX/XXXX. Charged. 

On XX/XX/XXXX. I called the fraudulent merchant at XXXX XXXX  at ( XXXX ) XXXX, I also tried ( XXXX ) XXXX at XXXX XXXX. NO ANSWER. LEFT MESSAGE IN REGARDS TO POLICY CANCELLATION. 

On XX/XX/XXXX, at XXXX XXXX, I called Chase and was on the line for 18 minutes. Please listen to a transcript of that call. I opened a dispute at this time. 

On XX/XX/XXXX, at XXXX XXXX, the fraudulent merchant ( Immediate Insurance Services XXXX XXXX ) called me back. At the time, I spoke directly with him and instructed him that his services were no longer needed and to CANCEL all recurring charges and the policy IMMEDIATELY, on no uncertain terms. He said he would fix things and I explicitly indicated that was NOT an option. He agreed. 

XX/XX/XXXX. Charged. 

I spoke to Chase again on XX/XX/XXXX, at XXXX EST. I called Chase and informed them of the dispute and asked Chase Credit Card Service to STOP PAYMENT again! 

XX/XX/XXXX. Sent requested documentation to Chase. 

XX/XX/XXXX. Charged again. I again called Chase. Informed by Chase that my documentation was not received, despite me getting an email through Chase that my documentation was received. Told me to go to the local branch and send it via fax. 

Faxed documentation on XX/XX/XXXX to XXXX and XXXX. 

WHY WAS I CHARGED THREE TIMES BY THIS MERCHANT DESPITE MY REPEATED CALLS TO CHASE?! Despite me initiating a dispute? I was not offered a new card option until XXXX. A big thank you to one of the Chase Representatives at my local branch. Why was this not offered earlier? 

XXXX, has filed an insurance fraud complaint on XXXX XXXX, XXXX XXXX XXXX, to the XXXX XXXX XXXX XXXX XXXX XXXX. A police report has been filed by my local police department. Additional information faxed by Chase Branch office on XX/XX/XXXX. 

I have grounds to dispute these charges in my favor for the following reasons : Charge Error A charge error is a transaction you recognize but appears to be incorrect, such as : A recurring transaction or trial subscription you canceled FRAUDULENT POLICY CANCELLED XX/XX/XXXX A product or service you never received or received late FRAUDULENT POLICY FOR SERVICES WAS NEVER RENDERED. 
A one-time purchase you returned or canceled, and you still havent received a credit SPOKE TO CHASE THREE TIMES TO STOP PAYMENT A charge higher than the amount on your receipt FRAUDULENT POLICY CHARGED WAS NOT AS SAME AS FRAUDULENT POLICY UNDERWRITTEN FOR A product or service you received and are dissatisfied with FRAUDULENT POLICY I have spent many hours working on this issue. I will be filing a complaint with the consumer protection financial bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) if Chase does not return my funds. I should also be entitled to compensation for the finance charges associated with these fraudulent charges. 

I appreciate your time and effort in looking into this matter.

Company response to consumer: Closed with explanation