Ms T.
FTC FRAUD COMPLAINT FILED!
FACTUAL BACKGROUND – MERCHANT CONDUCT On September 3, 2025, HouseJet.com explicitly agreed “in writing” to issue a full refund of $4,500 after acknowledging it could not perform the promised services. The merchant’s written communication confirmed: • The platform was being used “in a way that is off-brand” • HouseJet.com was “happy to honor my request for a refund” • Territories would be freed based on the refund being issued • The refund would eliminate the need for filings with the Attorney General, CFPB, BBB, or fraud claims • A refund turnaround of 5–7 business days was promised To Date No Refund Has Been Issued. Despite this written admission, HouseJet later submitted a rebuttal to VISA Corporation on or about October 2025, asserting that the charge was valid — directly contradicting its prior written agreement and admissions of non-performance. LEGAL AND REGULATORY VIOLATIONS IMPLICATED 1. Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666 • Submitting misleading or contradictory information during an active billing dispute after admitting non-performance constitutes a violation of FCBA requirements for truthful dispute handling. • The FCBA requires creditors to conduct a reasonable investigation and correct billing errors when a merchant acknowledges non-performance. • The merchant admitted non-performance and agreed to refund the charge This constitutes a potential violation of the FCBA’s dispute-resolution requirements. 2. Truth in Lending Act (TILA) – Regulation Z • Regulation Z requires issuers to properly investigate disputes and provide accurate explanations of their determinations. • The merchant failed to honor a written agreement to correct a billing error and submission of deceptive information during dispute resolution violates Regulation Z. These failures may constitute violations of Regulation Z. 3. Unfair or Deceptive Acts or Practices (UDAP) – FTC Act, 15 U.S.C. § 45 Housejet’s (the merchant) conduct constitutes unfair and deceptive practices by: • Promising a refund in writing • Using that promise to deter regulatory filings • Failing to issue the refund while asserting to VISA that the charge was valid This constitutes unfair and deceptive business conduct. 4. Bad-Faith Interference with the VISA Dispute Process VISA rules require issuers to evaluate disputes fairly and prohibit merchants from submitting misleading or contradictory evidence. • The merchant submitted a rebuttal inconsistent with its written refund agreement • Contradictory representations undermine the integrity of the card-network dispute system. 5. Professional Ethics Violations – National Association of Realtors (NAR) The Founder and CEO of HouseJet.com is a licensed Realtor. Conduct involving misrepresentation, lack of good faith, dishonesty, and deceptive business practices may violate the NAR Code of Ethic, including duties of honesty and integrity in business dealings. UPDATED 01/30/2026: HOUSEJET has made absolutely no attempt to issue a refund as promised, nor have they actively made any attempt to rectify the situation. I will continue to actively pursue my complaint to the highest level, including legal action if need be in order to once and for all resolve this matter and obtain a full refund as the company originally promised.
Response from HouseJetJan 30, 2026
We’re sorry to hear about your concerns. As previously communicated, the refund process was impacted by actions taken on the account after the refund had initially been approved and while it was being processed. While we cannot discuss details of any disputes publicly, we remain committed to working directly with clients to review their accounts and resolve issues as appropriate.



