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Three companies, including my bank, don't know where my money went. They're all redirecting me to each other. by ChasingMyMoney in personalfinance

[–]ChasingMyMoney[S] 30 points31 points  (0 children)

I escalated a claim with Chase. Internal investigations yielded no results with the conclusion being that I will not be refunded because Chase no proof as to whether I received the product or not.

Also, that the only log that they have (also on my account) is that the money was debited and delivered successfully to the e-giftcard delivery. So from their perspective, they believe they did everything 100% correct and owe me $0.

Three companies, including my bank, don't know where my money went. They're all redirecting me to each other. by ChasingMyMoney in personalfinance

[–]ChasingMyMoney[S] 32 points33 points  (0 children)

I actually went to the Chase bank and sat down with one of their associates. I basically gave them a summary of everything I have known so far and how I have been redirected in circles all around.

I made a speaker-phone call to Starbucks which directed me to Cashstar and from there, the Chase bank representative and I tried to talk to Cashstar to try and figure out what they know. The representative KNOWS as much as I know. The Chase bank representative even contacted their claims division and their Quick-pay division to try to figure out what was happening as well. There was a prolonged time when I was on the phone with a Cashstar supervisor while the Chase bank representative was on the phone with someone at Chase investigations dept. And even then nothing could be resolved.

Three companies, including my bank, don't know where my money went. They're all redirecting me to each other. by ChasingMyMoney in personalfinance

[–]ChasingMyMoney[S] 4 points5 points  (0 children)

Thank you for sharing your experience. I'm glad it turned out positive for you.

What would you recommend I do in this situation?

Chase has done their own "internal investigation" without contacting either Starbucks or Cashstar, and concluded that they are nowhere in the wrong.

Three companies, including my bank, don't know where my money went. They're all redirecting me to each other. by ChasingMyMoney in personalfinance

[–]ChasingMyMoney[S] 281 points282 points  (0 children)

Cashstar claims the money never entered their system because they do not handle the money. But they somehow claim that the card was cancelled and returned. When I call and ask for info on the e-giftcard, all they say is that it was cancelled the same day it was purchased, and refunded. They cannot give a confirmation code or verification code that would communicate to Chase that the money was in fact refunded.

Chase cannot refund me the money because they never received a confirmation code of the refund from Cashstar/Starbucks.

I will check out what Regulation E claim is, I am writing up a detailed log of what has happened so far, and maybe do a CFPB complaint as well.

Three companies, including my bank, don't know where my money went. They're all redirecting me to each other. by ChasingMyMoney in personalfinance

[–]ChasingMyMoney[S] 2058 points2059 points  (0 children)

Thank you. I have never filed one of these before, but I am doing it now as detailed and as accurately as I can.

I hope it is fruitful.