Chase Debit Card Fraud
A few “interesting” transactions showed up on my debit card in the last few days, but they’re not mine:
Pending POS DEBIT OXFORD INDUSTRIES INC SAN DIEGO CA $12.21
04/03/2007 LOWE’S #464 WINCHESTER K 04/01LOWE’S #4 $759.15
04/02/2007 WAL-MART #0702 WINCHESTE 03/31WAL-MART $1,232.59
Yes, for a grand total of $2,012.95 there were a series of transactions over the last two days on my checking account. I didn’t notice at first because I was in the middle of paying bills, which is a $2,000 to $4,000 process (rent, utilities, credit card over the last month, student loans, etc), but then I thought the account balance appeared lower than normal so I logged on and found these.
The kind of debit card fraud is interesting. This isn’t a “got your number” somewhere fraud, it’s credit card cloning. Someone actually walked into a store with some kind of copy of my card and pin, and bought stuff. POS (Point of sale) debit indicates that.
Update: I received my refund today (4/11/2007) just one week later. That’s fast!
Update 2: There are all kinds of credit card schemes every day, but it might have been this NYC restaurant scam which snared me. I’ll never know.
| This entry was posted on Wednesday, April 4th, 2007 at 8:46 am and is tagged with debit card fraud, oxford industries inc, wincheste, lowe s, card cloning, nyc restaurant, wal mart, san diego ca, account balance, grand total, student loans, point of sale, checking account, winchester, chase, few days, credit card schemes. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback. |
well i have cancel the koosk last two year ago and why they keep my money out of my bank and that mean they own me money last two year and nothing got back to me
Kelly- where in the nation are you located? I’m in Seattle and it’s my understanding that there are “regions” that Chase Empire is split into. So if you’re in my same region we are dealing with the same people and if there is a suit to join I’d love to
The week prior to January 22nd I was in the process of closing my account with Chase. On the 22nd my wallet was stolen with two bank cards (Chase and my new bank). My new bank card was easy to cancel as they have 24 hour customer service even at 1am sunday morning when I was calling. Chase was another matter, as I did not have information available at hand to answer the automated questions (debit card # being one of them) I waited until a business day to do in and finalize everything.
I went into my branch and told a banker my stolen wallet story, he checked my account and saw no charges, presented me with the balance, and I asked for printed confirmation that my account was closed. I was told to come back the next day for that since everything happens at the end of the day. Two days go by (January 27th now) and I go in for the closing statement only to be told two charges appeared on my account from the previous Sunday before the account was closed. I started a fraud claim and was credited the balance. Now, my account is at zero, I ask it to be closed but they can’t until the investigation is over. OK, I leave and go on with life thinking this will clear itself up and I all but forget about my account with Chase.
Last week (March now) I start getting phone calls from an unidentified number who’s number resembles ***-555-xxxx. Now, anyone who’s ever seen a tv show or movie knows that 555 is universal for “this is a fake number” so I ignore it. The number repeatedly calls me so after a bit of Google searching I find it’s the number for Chase Collections. “Odd” I think to myself “Do I still have an account with them?” So next time they call I answer to find out my account has been over drawn for a week. It seems the credit I was given for my fraud charge had been receded PLUS overdraft fees.
Now of course I was a bit peeved, especially being transferred four times until I was connected to someone who could “help” me. I was told that my claim was denied because of the timing of everything. The man I was talking to quoted me saying I lost my card on 1/22 and not filing a lost card notice and fraud till 1/27. He didn’t have the fact that I tried to close my account on 1/25 when I first told a banker my card had been stolen. I was told I was denied a second claim based on this and he recommended I lawyer up (my phrase, not his) if I wanted to continue.
I go into my current bank to get a print out of when I canceled their card when my wallet was stolen and to my surprise their store manager was a former Chase VP who hates them and tried very hard to help me. We got on the phone with the claims guy again and she grilled him for a bit talking regulations for a while and he was noticeable taken aback but still refused to allow a second look at the case. The former VP said he was playing the douche card (her phrase, not mine) because he sees this all the time, wither it’s legit or not. She recommended I go talk to the banker who first tried to close my account back on 1/25.
So back at Chase bank talking to the banker and he looks at his system and in there there is a record of him accessing my account, emptying the account, and filing for a close. So now HE gets on the phone with the claims guy who tells him that since he is not part of the investigation (wait, I thought there was no more investigating going on?) he wasn’t able to know the details but due to “inconsistency of my statement” I was STILL being denying a second look. The banker told me that this is a very odd situation that he hasn’t seen before and that there was nothing he could do for me at his level. He told me the claims recommend starting a police investigation. I asked the banker if that was going help get reimbursed my fraud charges or if I was just getting the brush off. He didn’t say I was being brushed off, but he certainly didn’t seem confident when he told me it’s worth a shot.
Now the “inconsistency of my statement” is my fault as when I first got the call from Chase Collections I was taken aback. I tried to explain the series of events that happened a month and a half prior to a man who was not willing to hear it and I was not stating the dates correctly. Well as soon as I got home I busted out a calendar and got my story right, filed a police about the stolen wallet, and now I’m waiting for word back from SPD. I didn’t make a report when it happened because there really wasn’t much of value in my wallet but I’m now regretting not doing so. If the police report doesn’t persuade at the very least a second look I’m having a lawyer write and send a letter asking for one to be done. According to the banker I talked to and the former Chase VP it’s within my rights as (sadly) current Chase Customer to refute this.
So someone stole my debit card out of my purse that was accidently left at a gas station this weekend when I was sick. Unfortunately, I had my pin written on a piece of paper in the purse. I went home after the gas station and pretty much slept until Sunday. Then I logged on to pay bills, and was freaked out to find that there were about $5000.00 in purchases (mainly Wal-Marts) on my account. I called Chase up right away, and they told me that they weren’t going to submit any claim because MY PIN WAS USED. I was furious. I called the next day and spoke with a nice lady who put the money back into my account while they did “their investigation.” If I had known Chase was bunch of ***** I would have withdrawn the money right then and there, but I kind of assumed that their investigation would find it wasn’t me and everything would be fine. Next thing I know the money is withdrawn back out, and Chase is accusing me (the customer) of committing fraud on them. They told me they had reason to believe that I sent someone out with my debit card and pin. WHO DOES THAT?!?!?!?! Then I get a letter in the mail telling me that they’re closing my account and don’t wish to do business with me anymore. After DAYS of wondering why this is I find some lady that is willing to tell me that because my account was recently opened (I’ve had it for 1 1/2 years) and had large checks deposited (from the same company who I was sub contracted through) it set off a red flag for a common fraud trend. She reopened my account, and UNFROZE the remainder of my funds (about 1500). I called the fraud department back up to see if they would reopen my claim thinking their rudeness and denial of my claim had something to do with their dumbass brains thinking I am the one committing fraud on them. I felt safe with Chase bank because of their advertising. Yes, I was swiftly persuaded with advertising. Anyways, they told me that on their end, they’re done with my claim…no explaination nothing. I have since sent a letter (certified delivery) outlining the fraudulant transactions, and requesting them to reimburse my account (which is remaining open for this reason only.) I plan to join a class action or civil suit, but need some help. I am out almost $5000.00, and am behind on rent because of it. My landlord understands that Chase bank is a bunch of deuch bags, but that doesn’t change the fact that I am a loyal customer who has been put through the wringer and left out to dry. I am angry, pissed, upset, and want to make it known to eveyrone thinking of even opening up a simply $200 savings account THAT YOUR MONEY IS NOOOOOOT SAFE!!!! DON’T EVER BANK WITH THESE *****.
On 5/5 my husband went into our local chase branch & requested a new debit card as on his card the magnetic strip is worn & not reading @ several locations. He was advised by the teller his new card would be sent 3-5 business days via mail. Not thinking anything about it he left. I the following Monday checked our bank balance online to find fraud charges on our account. I called 800# reported claim & found out the same day my husband requested for a new card… That same teller rep went back into my account 20min later after initial debit card reorder & issued a temporary ATM card inside the branch. This card wasn’t given to my husband so did this teller issue this card to themselves & make up their own pin #? obviously inside job as the card isn’t in our possession ….. Since I have had my money refunded & chase basically says what more do you want you have your money. I have taken this to local police & even went to each store & advised fraud & requested video surveillance checked & released to police & obtained copies of receipt of these fraud “debit” transactions….. So frustrating !!!!
CHASE IS THE WORST BANK EVER .SOMEONE USE MY CHASE DEBIT CARD AND BROUGHT FOOD FROM A RESTAURANT @ NAVADA ARIS RESTAURANT FOR 1500 AND AVON FOR 777 WOW AND CHASE IS NOT HELPING ME @ALL LIKE THE ENJOYING SEEING POOR LIKE THIS.WHY THE CANT TRACE IT WHERE THE GOOD WAS DELIVER AND WHERE THE AVON STUFF WAS DELIVER TOO HOW ALL MY BILLS ARE BEHIND BECAUSE OF SOMEASS DOING WITH .SO IF I DO MY OWN INVESTIGATION GOT HOLE OF THE ******* WHO DO THIS TO ME AND DO SOMETHING STUPIED WITH HIM OR HER WILL I BE PUNISH FOR THAT WHEN NO ONE DONT EVEN DO THE JOB THE POLICE IS THE WORST FOR THEM THAT NOT A CRIME WHEN THEY SEE BLOOD THAT A CRIME FOR THEM..
True…..Chase is not at all helping cutomers who is in trouble liek this. Same thing happened with me. Since one week I am being told my amonut will be refunded to my account within 4 hours.
SOMEONE USE MY CHASE DEBIT CARD @ARIS RESTURANT IN NAVADA AND AVON TOLAL OF 2000 WILL CHASE PAY ME BACK ?
My name is Derek, this is 1-29-2011, and some how my card was used at a walmart in new mexico. The used $350, but my account is just about always overdrown. chase contacted me within hours. it had to really suck for walmart if the transaction cleared, or individual who used my number and did’t work….
My fraud happened in late August. After the card was inactivated , it was still being used the next few days. I called them in the middle of night to let them now that the inactivation did not work for smart criminals. My balance (it is the amount befere the fraud) was sent to me more than a month later. It is not over. Now Chase sent me a letter saying I owe them some money showing no clear evidence. I called them and they said they can sent me my account summary. But two weeks later, I did not receive the evidence why I owe them money.Instead, I received a letter from a debt agency saying the same thing without any clear reason why and how I owe chase money.
It really shocks me that a supposedly decent banker like Chase acts as a bully, targeting small people rather than try to catch the real criminal.And It happens with a top banker (Wamu used to have no problem like this) in the US!
Maybe those of you who have internet fraud should wake up and realize some of the sites you are visiting are compromised. This isn’t the case with everyone, but those of you who are visiting “QUESTIONABLE” sites know who you are..they are a breeding ground for scammers and hackers. Traveling internationally- You should never use your credit card unless it is absolutely necessary i.e. HOTEL, RENTAL CAR, and this sometimes is not safe. Using your credit card at those cute little cafes and restaurants or at those tourist shops is a no-no. In a lot of cases people are signing up for “FREE” trial offers of silly products, such as ACAI BERRY, or the miracle melt away the pounds pills, or that unbelievable face cream..this is also a nest of thievery. A great deal of these companies do not even have a business license. WAKE UP and use your credit cards responsibly. For those of you that are responsible FRAUD HAPPENS..there are thieves everywhere, especially now with the economy being the way that it is. That cashier or waiter that you have at the store or restaurant you are using your card at may have a card reader..it is just a sick sign of our times. PAY CASH!
Add to the trial offers also Bright Whites or similar tooth whitening “TRIAL” offers. In many cases for these “TRIAL” offers you are also signing up for other memberships, and if you don’t cancel within a certain amount of days you will be charged an arm and a leg for their product. In some cases, EVEN if you cancel, the companies still charge you for the product, I have seen charges anywhere between $70.00 to $150.00
our office is filing a class action lawsuit against chase for denying fraudulent claims using that a pin number was used as an excuse. Please contact me if interested.
liz@mojolawoffice.com
So I have just became a victim of debit card fraud. The ******** actually made a clone of my card. I live in CO, and there were 2 transactions on my statements (one right after the other) at a grocery store in South Carolina called Deep Grocery. They purchased only $350 bucks, but when I spoke with the merchant, he told me the card was actually swiped. I thought it was impossible because I was holding my card in my hand. Whats crazy enough is today (only 5 days after mine), my father had the same thing happen. $300 at a plumbing store in GA, and $300 at Wal Mart in Iowa. He also lives in CO. I don’t think Chase is the problem because my dad has Wells Fargo. I believe it’s a store that we both have shopped at that is doing this.
did u contact the police to file a report?
It happened to me yesterday. I activated my new Chase card last week and yesterday there were 7 seperate transactions from a Target store located in South Plainfield NJ. Total amount charged was about $1,400. I haven’t even swiped my card as yet. So it must be something done internally through the company that sends out the debit cards. (Recently I found out that the banks don’t send the cards)
Today a similar thing happened to me. I looked at my account online and found out there was a charge that I never did it said POS DEBIT PETSMART INC 1427 NEWBURGH NY $19.44. I live in Oklahoma and I had been at work all day and know I didnt make the charge. Also I dont even own any pets. The same thing happened to my sister except her charge was for 1,300 for somewhere in California. I am closing my account tomorrow with chase after hearing all of the other comments.
I just checked my card a few mins ago and there is a purchase that was made with my card while I was at school for $7 and the weird thing is I don’t know the company and it seems to come from France!!!!
CHASE Is Unbelievable… I’ve actually closed my account twice in the last 6 weeks… changed accts & PINs… Lost $89.97… 41.18… and 34.98… Actually had $77.84 credited back with NO PROBLEM… But because the others were processed with a PIN they could not reverse the damage… What kinda BS is this????????? If these were credit cards… which are a luxury… NOT Debit cards…which are linked to your personal bank accts… they would reverse instantly… My co-worker had plane tickets to Peru…over $1400 charged to his Amex… after one day of inquiry…the charges were reversed… Where’s the sense in all this…????? CHASE is about to lose me as a customer if this happens again… Petitions should be filed… Cases should be built… Our hard earned dollars are not being honored… Who’s with me???!!!!
this happened to me and my husband, someone cloned my husbands debit card and made purchases at winn-dixie, and two atm transactions totaling $500.00 dollars. when we pulled up our account info it had someones elses address and phone number on it, we ask the bank clerk and she was unconcerned about it, so we changed just our pin number and filed a police report and did a claim and recieved our money back, chase bank need to be held accountable for this gross negligence i hear too many horror stories about this from other chase bank customers. this may be an inside job?
The compromise could have happened at any business where the card was used..look into any store that you have used your debit card at with a PIN code. As far as the address and phone number changes, this is IDENTITY THEFT..someone had enough information about you to either call in to CHASE or to perform the changes over the internet site. With ID THEFT start with looking at those close to you and fan out from there. 7 out of 10 ID THEFT issues are from someone they know and trust. These days you have to be careful about the gas pumps and ATM’s you use..there are seemingly invisible card readers that thieves attach to the pay at pump or ATM machine that fit over or near the actual card reader.
im a victim of the same thing. deposited my paycheck friday, went out to eat sat night only to have my card declined at the end of the meal. i know my funds cleared between friday evening and saturday night. when i got home from chili’s, my account had been hit with a misc debit. The descripition of the charge was “W/D TO ANOTHER ACCT”. it only left me with three dollars in my account. i tried to call chase, but they told me that the collections department was only available on monday and that they couldnt do anything about it until then. i will be cancelling my account with chase and never doing my banking with them again. they should change their name to “Chance” because thats what you take when you open an account with these idiots.
If you had a FRAUD issue you should not have been referred to COLLECTIONS, unless your account was past due..being that it is a financial account I cannot see how that could happen.
hi i have exact same situation here some1 use my chase debit card for withdrawal of $4000 tht was in india and as soon as i found it out after 40 days i claim to chase department and i was in india when this fraud happens to me so chase reply me with in 1 day of my claim tht the transactions were authorized and my pin was being used so they cannot credit my money back.i odnt know how exactly this happens but cahse is not helping me out at all ..plz help me with this .
Someone most likely counterfeited your card while you were there. Look into any businesses where you used the card..my suspicion is that one of them are involved.It is not a coincidence that you were traveling in INDIA and the fraud happened in INDIA.
Everyone who had the Walmart scame like I did please email me I will be sueing Chase with a class action for 1 billion to punish them for disrespect to the tax payors with our Tarp money and keeping it. Also call Stacy Tyler at the exicutive office of Chase to clog her email with your issues they are blowing you off with. Her # is 713 262 1714. Make sure you email me with your Walmart issues.
Thanks,
Mark
Markjfine@gmail.com
Hey Mark-
Just remember to spell all your words correctly in your class action lawsuit.
Thanks for posting this info, since I got into one of the exact kind of fraud
today. I have a Chase account too and I had the exact same fraud today. It’s
really fantastic that people are reading off your debit card pins from stores or
ATMs. Not sure how exactly they do it. Fortunately I noticed it within hours,
since I got an email alert for high debit card transaction. I have filed a
claim and cancelled my card. I think this kind of fraud is getting traction
lately.
POS DEBIT http://WWW.SKYPE.COM INTERNET LU $2X.XX
POS DEBIT http://WWW.SKYPE.COM INTERNET LU $1X.XX
POS DEBIT ADVANCED TUNING PRODUC FREMONT CA $2,0XX.XX
So it was in the order of $2K. I am beginning to see a trend here
I had the same thing happen today. This is the second time I’ve had charges from Skype being used with my debit card number. I have no idea where or how they are getting the information. Repost if you get any results as Chase told ME to contact Skype to get the charges reversed before claiming fraud with them. Unfortunately, there is NO WAY to contact Skype!
someone took money from an atm twice, $300 and $80, and cuz of that my acc wnet negative and I was charged $66 dolars by the bank, I filed a dispute and was denied cuz the ATM that was used to take the money out is within 20 miles from where I live, this is BS.
I recently got my Debit Card stolen while in France. When I called the fraud department at Chase they asked me to go over all the fraudulent charges. I told them everything after the 16th Oct when my card was stolen. I then listed all the charges I saw online.
My claim was then denied for the $4,360 because they said there was one charge I listed that was not fraudulent. I looked back over the charges and realized one charge that I made on the 15th posted for the 19th of Oct. Because the name on the bank statement and the receipt/store were totally different I didn’t recognize it. Plus the purchase was in Euros but showed up in dollar amount.
They knew other charges were fraudulent besides that one, but because I made a mistake they took me for it. I have to get a lawyer to have them reopen the case, which will cost that same amount most likely.
If anyone has any ideas let me know.
I am very unhappy with Chase and their service.
Yeah, Steve,it’s going viral. I live in Houston and don’t keep very much in my checking account. Yesterday I found these two charges on my Chase bank account:
Pending Misc. Debit POS DEBIT TOYS’R'US 707 UTRECHT NL $1,368.38 (that’s in the Netherlands)
Pending Misc. Debit POS DEBIT KEAN UNIVERSITY WEB UNION NJ $5.81
The $5.81 charge was probably a test to see if the card or number worked.
I wish that I could wait for several days to get this cleared up, but I will be seriously overdrawn Monday morning. I have contacted my bank and Toy’s R Us (who were NO help whatsoever)
I have been told that they have cloned my card, with real plastic and maybe even my pin, although I don’t know how they would have gotten that.
I just had the same thing happen to me, cleaned out what little I had in my Chase account. I am waiting for them to send me the forms to dispute the charges. What did you do to get your return so quickly?
Steve,
Did you get your return? Last week someone got from my chase account $1500 and my claim for fraud has been denied. again I am filling the forms.
It is unbelieveable, people get your money and chase refuse to pay the customers back.
Someone has do put Chase in its place and punish them for accussing customers versus being more proactive and understanding to customers….Perhaps, doing more research and showing proof that the customer is at fault, otherwise they need to simply keep there assumptions to themselves and be professional… I wish I can get a group of people together and protest againt Chase and their wrong doing… Boy are these people amazing and evil!
My account with chase debit card had been wiped out of 610 in two days without my consent. I put a claim with Chase and less than 24 hours I called back and they said it was denied. This was I cannot believe that they did not investigate more. Chase claims are unreliable and do not care.
A similar thing happened to my son however WAMU determined the ‘fraud’ was authorized (they believe he gave his PIN away — which he didn’t). So his claim for fraud has been denied … what a mess.
The scam in his case is that bad checks were deposited at an ATM into his account (in the realm of $2000) then withdrawls (from $500 to $1500) were made at some Walmart stores. He was taken for over $8000.
My daughter had the exact same thing happen to her Debit transactions @ Walmart, checks deposited and withdrawn on her account. She even reported the card lost to Chase Bank. Was your problem ever resolved. This happend 12/21 thru 22/09. I am still trying to get it resolve. Chase banks doesn’t help, I believe because they are young they aren’t treated fairly.
Nice to hear you got a refund so quickly. It sucks this kind of thing happens but it is usually made worse when you either don’t get your money back or it takes months.
Wow that is interesting…. the things people will do…
Carmelo Lisciotto