CHASE BANK - IMPOSTER Reports & Reviews (2)
CHASE BANK - IMPOSTER Contacts
If you know any contact information for CHASE BANK - IMPOSTER, help other victims by adding it!
Add new contacts
SCAMPULSE
|
SCAMPULSE
If you know any contact information for CHASE BANK - IMPOSTER, help other victims by adding it!
Scammer's address WA, USA
Country United States
Victim Location WA 98512, USA
Type of a scam Phishing
Total money lost $5,000
Type of a scam Bank/Credit Card Company Imposter Scam
I then called my business partner to explain what had happened and make sure he received the transfer I had sent via Zelle ('reversing the fraudulent pending transfer'), and he said he did not receive any funds and the text he got with the 6 digit code was weird. Then he received another text saying our company had successfully transferred $5000 via Zelle to TD BANK. All of this seemed very strange, and my partner said the 6 digit code text he received said he should not share the code with any one. I got worried and called Chase back, the same 800 number David Singletary had called me from, and the rep I spoke to then, after attempting to explain what had just occurred, said that I had been scammed and that anyone can "spoof" the Chase 800 number. This rep said there was no history of a Chase representative calling me, and I should call the Chase Fraud Claim Department as soon as they open the following day and report this incident. Then I googled "Zelle scam" and numerous accounts of this same scam popped up. I reported the incident to the FBI, and called the local news station to share the information.
Then I called and waited on hold for over an hour to speak to a Claim representative the next day, explained what had happened, and successfully filed a claim. I transferred all of my remaining funds out of my business acct, in fear that David Singletary may have access somehow. Chase froze my account and initiated an "investigation" that would take 10 days, and during this time they provisionally reimbursed me the $5000. After 10 days, I was notified by Chase that they determined the transaction was an authorized transfer and they would close my case and debit the $5000 out of my account. I could request the information used in my investigation by calling in to make a request. Which I did, and was sent the same letter stating they determined the transfer was authorized. I called the Claim department again (and again and again), only to be told they bear no responsibility for funds transferred via Zelle, that those transfers are not insured by the bank, nor by Zelle (who has no customer service whatsoever), and these transactions fall into a legal grey area, outside of Chase Bank's reach. I later found that the programming for Zelle was constructed precisely for this reason, the apps bore no responsibility, and there was no protection in using the app. Basically, I was being given the runaround, that I should contact law enforcement, the "internal information" used in my investigation cannot be shared, I should know that Chase would NEVER call me, I got duped and they are very sorry but it's out of their hands.
So I started filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, the Office of the Comptroller of Currency, the California Attorney General's office, the local news, the FBI, and more. I also went into my Chase branch to physically hand over my compromised debit card and request a new one in person. The first banker I spoke with, said he'd help me by "generating a 6 digit code", which sent me into a panic and I explained that I was a victim of a scam and I just wanted to skip the whole "6 digit code", and maybe I could speak with someone else. He laughed. "If you think this is funny, please let me speak with someone else", I said. A second banker approached me and brought me to a cubicle where he explained a 3rd banker would "walk me through the steps on my Chase mobile app". I almost exploded, and had a full-blown panic attack. They were using the same language the scammer had used to rob me of $5000, but trying to assure me that Chase would never call me/I was in the branch/there is no danger/etc. So I left the cubicle and went to the counter to request a cashiers check for the remaining funds in both of my chase bank accounts. My business account is overdrawn by $5000 and my personal acct has a bare minimum remaining.
As I was leaving the bank, I received a call from a number I didn't recognize, but I answered. It was Erica calling from Chase Executive Branch in New York. "Funny", I said, "I've been told a multitude of times that 'Chase will never call you'". Erica explained that she'd received my complaint and she would look into resolving it on her end. She didn't ask for any of my personal info, but gave me her phone number and direct extension. I think she got a letter from the FTC or CFPB. In the end, Erica never called me back, nor did she produce any findings.
So, I called the Claims dept again, to see about an appeal, to get more information regarding my "investigation", just to go over this all once again, and to notify them that I was aware of the EFTA regulation E, requiring Chase to reimburse my stolen funds.
During this call, I asked the claims rep why the funds did not go to my business partner, who's phone number I typed into Zelle to make the transfer. The rep put me on hold and when she returned, she asked me to verify the name associated with my partner's phone number. When I gave it to her, she said that name is not the name associated with that phone number, but she was not allowed to tell me who's name was associated with it. So, someone (David Singletary), has now absconded with my partner's phone number in the Zelle app and there seems to be no recourse. Chase will not help, Zelle will not help, and seemingly there is no verification process to vet a phone number or email address in Zelle. Great security, right?
Next, my business partner receives a "courtesy call" from Chase Bank (remember how "Chase will never call you"), well Chase called my business partner multiple times per day from a San Antonio Texas number (not the Chase 800 number), did not leave messages, just kept calling over and over. Finally, my partner took the call, and it was a "courtesy call" from Chase, to let him know the account was overdrawn. My partner merged me into this "courtesy call" to explain the situation we're in with our account. I explained to the courteous caller that we were victims of fraud and there was an ongoing investigation into our account. So the courtesy caller transferred us to the claims department. This claims rep said that, "of course there will be times when Chase calls you", but I should only speak to a rep who has privileged account information without me providing it. All of these things go against what I've been told previously, and David Singletary had all of my information, nothing was provided by me. This rep explained that my investigation was over, they deemed the transfer authorized, but they had opened an appeal for reversal with Zelle. There was no guarantee Zelle would be able to recover the funds, but if they do one day, Chase would redeposit them into my account. There was no timeline and no guarantee, though. I mentioned the EFTA Regulation E, and read it aloud to this rep, and she said I should fax this information to Chase, requesting a re-examination of my ordeal, re-opening my case.
As of today, I've faxed the EFTA Regulation E to Chase Claims, and now I'm waiting to hear what they have to say for themselves.