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New Chase Fraud Text

Discussion in 'Off-topic Zone' started by dexternjack, Apr 28, 2014.

  1. dexternjack

    dexternjack World Traveler Zone Supporter

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    Well, I just got a text from 337-48 saying this was the Chase Fraud Department and asked if I just purchased 80.00 from an ATM. I figured some scam to get some info one way or another and ignored it. About 30 mins later I got another one for 128.00 so I decided to look up the account online. I was surprised to see 17 different transactions over the last hour for a total of almost 2k.

    The last text I decided to respond back and they called me before I could turn off the phone. Some hacker got my info and did this all around Los Angeles and I am in Houston for awhile. I thought for sure since we lived there a few months ago, this would be a hassle to clear up, but nope.

    Chase is going to credit me within 12 hours, closed the account and sending me to the closest branch for a card. I have been with many banks but this was top-notch service, they got a customer for life [IMG]
  2. CashMan

    CashMan Well-Known Member

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    By default, Chase shouldn't let your card be used out of the State you live in.
  3. dexternjack

    dexternjack World Traveler Zone Supporter

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    I imagine that is what sent up the red flag. We did live there recently and have a few autopays on the card in Los Angeles.

    But, I don't think they can say no using it in another state, they have no idea if we are elsewhere on vacation, business, etc. I used the card at the same time here in Houston as these transactions, guessing it is how they caught it.
  4. BigStar

    BigStar Stop chasin Zone Supporter

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    Scammers are a phishing. Sorry just reread OP and see it was legit. Glad it worked out for ya Dex!
    Last edited: Apr 28, 2014
  5. Bigdog

    Bigdog Well-Known Member

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    I know what you mean. CapitalOne has saved me twice. Once someone spent over $1400 of baby clothes on Holland. I live in CA and never been to Europe. Just recently someone spent over $450 at two different drug stores. They actually made a card with my number on it. I didn't have to pay anything. I informed the fraud dept. that on the back along with my signature it also ask for identification. They told me they will make a note of that because the stores should ask for ID just for things like this.
  6. RastaRocket

    RastaRocket Sanka, Ya Dead Mon? Ya Mon.

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    I had a similar thing happen. My PayPal account got hacked and money was withdrawn from my bank account in $250 chunks. Had a total of $2000 stolen, but my credit union reimbursed me similar to what Chase is doing for you. I have not used PayPal since.
  7. burmafrd

    burmafrd Well-Known Member

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    Really? So you are not allowed to use it out of state? That is total complete BS.
  8. CashMan

    CashMan Well-Known Member

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    I wasn't able to respond yesterday, my phone was acting up. By default, if the card is used in a different place than it usually is, ex: I live around Chicagoland, I went down to Springfield, IL a couple years ago, my cards got rejected. I had to call them and let them know I was going to be out of town, and they put a note on your account. I found this out the hard way, one year, when I went to San Antonio, and tried to buy something at the Cowboys store in the mall there. It is just a fraud prevention.
  9. WoodysGirl

    WoodysGirl Do it for the Vine! Staff Member

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    Honestly, I think it's an Illinois thing. My dad lives in Chicago and has to do that almost every time he goes out of town. He's been inconvenienced too many times, so he just calls to give them a heads up to save himself the headache.

    OTOH, I bank with Chase and have traveled many places using my card and have only had one issue where I had to call to confirm the purchase....and guess what? That was in Chicago. lol

    That said, I'm a total fan of Chase just for their customer service alone. Even when you're inconvenienced, it doesn't seem like much of a pain in the butt. lol
  10. CyberB0b

    CyberB0b Well-Known Member Zone Supporter

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    I travel all over the US, Canada, and Mexico, and never had a problem using my card. With that said, my ex-bosses card got cloned and they signed up for a bunch of penny auctions and made over 15k worth of transactions, $250 at a time.
  11. CowboyStar88

    CowboyStar88 Well-Known Member

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    As a former consultant for wells/chase they will not put a stop on the card if you live out of state and it's used in another state. They have no idea if you are on vacation or traveling. The only time it's really a good idea to call them is if your leaving out of the country. Imagine you are driving late at night into say AZ and you didn't call the bank to let them know you're going out of town and stopped for has and your card is declined. It creates a huge issue that's why they will contact you if it's outside your spending habits.
  12. ChldsPlay

    ChldsPlay Well-Known Member

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    I have had my chase card decline while out of town traveling. They did contact me, but not until after charges were declined and I had to use another card.
  13. CowboyStar88

    CowboyStar88 Well-Known Member

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    Read the bottom part of what I wrote if it's outside your normal spending habits they will call you. Usually they allow the purchase right away. Interesting that they declined your card right away. There could've been other factors that led to the computer putting a freeze on it.
  14. burmafrd

    burmafrd Well-Known Member

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    unless its like at a casino, something to do with porn or the like, they have no business declining any charge you make wherever you are. It is NONE of their business. When it happened to me I was in a Podunk place in the middle of nowhere. Buying gas at a convenience store. What REASON would they have to deny it?
  15. CowboyStar88

    CowboyStar88 Well-Known Member

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    That was my point the standard is they shouldn't have denied it. If it's outside your normal spending habits you will get a call to verify it's you making the purchase. The reason why it's their business is because when theft happens the bank covers it. Yes they make tons of money, but they also want to limit liability as it counts against the bottom line. Also sometimes it depends on the type of account you have and what kind of balances are kept in there. The computer watches so they can prevent crime and theft as it becomes a huge issue for the customer. Now there are variables that can change how they approved/decline the purchases. Obviously I couldn't tell anyone why unless I looked at the account and seen the spending habits. Usually they won't decline the purchase if you are out of state so there is no need to call the bank. If you go out of the country you need to call so the CSR can tell the computer that your spending habits will change outside the states. Also when people you catcher machines at the gas pump and let's say a certain gas station has a serious problem with theft they will decline the sale and verify it's you. Like I said there are a lot of variables but usually the standard is they won't decline your card if you are out of your area. Sorry if anyone has been affected by the inconvenience. It's very frustrating for sure. Also just a bit of advice for people when using an ATM machine or at a gas pump inspect it first as there could be a strip capture put in there that allows the thief to capture all info and make a burner card.
  16. JoeyBoy718

    JoeyBoy718 Well-Known Member

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    I've had this happen to me twice. One time was like 2 years ago. I was at Red Lobster getting lunch with a friend. The service (and food) was awful (let's just say I had a long night). The bartender was also our waiter (we were sitting on the opposite side of the restaurant... it was weird). Anyway, I heard him talking with some coworkers when I was walking to the bathroom and he was talking about being on probation. Overall, just seemed like a dirt bag. So the next day I check my bank balance and someone tried to buy a ring online from Kay Jewelers for like $950. I'm guessing when I paid with my card, he went into the back to swipe the card and took a picture of my card.

    The other time happened about 10 years ago when I was in the military. I was at tech school in Fort Meade, Maryland, and we had this little building on base where you could go to buy an ethernet connection. This part was careless on my part and also shady on their part. I paid with my card and the guy went into the back to swipe it, and he brought out some paperwork for me to sign but never brought back my card. I was distracted with paperwork and didn't realize that I never got my card back. Later that night I got a bunch of calls from my bank (Wachovia at the time) and they went on a shopping spree throughout Baltimore. Filled up a couple tanks of gas and bought some televisions. That was a headache.

    But my bank did a good job and I got the money back pretty quickly. Moral of the story, people are dirt bags.
  17. dexternjack

    dexternjack World Traveler Zone Supporter

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    That is how they got me, at a gas pump and made a fake debit card.
  18. burmafrd

    burmafrd Well-Known Member

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    inconvenience my eye. Unless there is some kind of agreement that they nanny you they should NOT act like one.
  19. CowboyStar88

    CowboyStar88 Well-Known Member

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    If you come up with a perfect system I suggest getting a patent and selling it to the banks fraud department. Safe guards for the customers. You could make billions and buy a sports team like the cowboys. Unfortunately I'm not great at writing code so I couldn't do it myself.
  20. burmafrd

    burmafrd Well-Known Member

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    well its really very simple. Leave your customers alone and stop trying to baby them.

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