Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My FTC complaint has gone nowhere However, I did file a complaint with the consumer financial protection Bureau a couple weeks after my FTC complaint. 


I signed up to become a member of a ( scam ) company called XXXX in XXXX specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated XXXX weeks. At the end of XXXX weeks they extended the date another XXXX weeks, and so on and so forth for about XXXX  months. The company kept hosting XXXX meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$50.00} for ( XXXX {$25.00} charge for my account and another for my husband 's account, but all on my chase debit card On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with chase for non-receipt of merchandise. Even through it has been more than XXXX days from the purchase, it has NOT been more than 60 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than XXXX  days since I was notified that the merchandise would never be sent. On XX/XX/XXXX XXXX  denied my claim for the XXXX rule. I called a manger and explained that although it was XXXX  days from the purchase, it was NOT 60 days from the " new '' date of the promised product to be sent. I told the manager at XXXX that I never received any request from XXXX to provide documents. He told me I had XXXX different claims for the XXXX different charges, and that I could load the proof on the XXXX one that had not been adjudicated yet. I loaded an email dated XX/XX/XXXX which is the most recent document in WRITING I have from the company stating that the new company launched named Finmore, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their XXXX  meetings but I never recorded the meetings. 

I believe XXXX is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than XXXX  days outside of our promised delivery date. I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in Utah back in XXXX. The charges pertained to XXXX running XXXX XXXX schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXXXXXX XXXX XXXX XXXXXXXX of XXXX XXXX ( page XXXX ), a XXXX XXXX XXXX, in XXXX. '' )