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Discussion Starter · #1 ·
Ok ive been with chase bank a long time and never had issues til recently. Recently my debit card was stolen and there was $1500 in charges made in salt lake city (which is 6 hours from me). As soon as I realized my card was gone I shut the card down and then found out about the charges in salt lake. Chase opened an investigation and saw there was fraudulent activity and that the purchases were not mine. so they refunded my money to my account and said I was right and the case was closed. 4 weeks later (today) I check my account and I am in the negative because they took back the 1500 that they refunded back. I call them and they say that the reason they took it back is because I recently shopped at 2 stores that were on the claim walmart and maverick gas station and that even though they are in different cities it made them think that I was trying to perform fraud against them and the only way to get my money back is if the person that stole my card gets caught and then they will have to pay me back. If he stole my money chances are he doesn't work and is a low life pos and my card has been shut off for a month and once he realized it didn't work he threw it away so he will never get caught using my card. I wish I could get my hands on that scum bag. I guess ill be looking for a new bank now.
 

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Kinda makes me think, why aren't you being arrested, isn't $1,500 a felony. So any store they used the card in you can't go to. I'd ask for a list of the stores and then contact them and tell them you can't do business with them anymore because they accepted your card.
 

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Discussion Starter · #4 ·
yeah I don't know they are trying to pull but im not going without a fight. 1500 may not be much to some people but its a lot to me so my wife and I are fighting the bank over this bull s#%t. we will see what happens after my lawyer gets involved.
 

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We left them for American 1st CU. We were in Chicago for the kids Navy graduation. We debited breakfast and it was denied (only time we used it out of town). We forgot to let them know that we were out of town. While inconvenient, it's a much better scenario. They stop it before it can be a problem.

Now Chevron is another story. My son's card got hacked a week before Christmas. Three days later it was used in Oakland, So Cal, Arizona, and New Mexico all within hours of each other for a total of $2800. When we've traveled to Nor Cal, it's been flagged as we crossed Nevada, yet 15 transactions with the same card in three states at the same time doesn't raise a red flag? Luckily they've waved the charges but my card was maxed out and couldn't be used for a month while they investigated.
 

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Go with a credit union. Much less headaches and much better personal service. My .02

Completely agree with the credit unions! What happened to cash though? When I was a kid my dad would always have 3-4 grand in his pocket. Never carried a wallet nor a credit card. Hell, he used to leave it under a floor mat in the truck at the river and never locked his doors. The world sure has changed!
 

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Discussion Starter · #7 ·
yeah the world has surely changed and I hope I don't have to get my lawyer involved and go that route but if they are not willing to work with me I don't know what other option I have. I mean they credited the money back and said everything is fine then a month later they take it all back I don't think its right
 

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Waaaait a minute.....
They refunded your money like they should have
And then a month later someone just happens to be checking out your statement and thinks 'gee, same two stores, there is a possibility that this guy might have defrauded us".

It's all good up to that point. And they also have the right to investigate you.

By taking back funds they have already giving you is the same as calling you a criminal.


 

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Completely agree with the credit unions! What happened to cash though? When I was a kid my dad would always have 3-4 grand in his pocket. Never carried a wallet nor a credit card. Hell, he used to leave it under a floor mat in the truck at the river and never locked his doors. The world sure has changed!

I love cash. The more folks use the plastic, the more retailers like cash buyers.


Went to buy two trailer springs today. 62.50 each. I asked the guy, "Any cash deal today?" he said got a hundy?


Saving $25 bucks is way better than a service charge.

My cash is NEVER denied or turned down. :))THumbsUp
 

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I have good and bad experience with University Credit Union in Salt Lake. The first (BAD) was a new debit card was stolen out of mail. The scum bags kept purchases under $10 at local stores for a week. We didn't notice until they drained the account for about $1200 bucks. How they activated the card I don't know. Credit union wouldn't reimburse because they said we couldn't prove we didn't charge up the new card. The good was I got a call from a Jersey Store in Palm CA. Said I wasn't interested. He said "Sir, I am not trying to sell you anything, just checking an order! Did you really want to order $2700 worth of merchandise and ship it to Finland?" I got that guys address and sent him some money for a case of beer! The credit union made us get a police report and file on 12 fraudulent charges but reimbursed us within 5 working days. The losers had my cell number, address and card number. Still don't know how and they were never caught. Credit union gave me new card on the spot. We keep the checking balance pretty low now and transfer funds from savings when needed.
 

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I have good and bad experience with University Credit Union in Salt Lake. The first (BAD) was a new debit card was stolen out of mail. The scum bags kept purchases under $10 at local stores for a week. We didn't notice until they drained the account for about $1200 bucks. How they activated the card I don't know. Credit union wouldn't reimburse because they said we couldn't prove we didn't charge up the new card. The good was I got a call from a Jersey Store in Palm CA. Said I wasn't interested. He said "Sir, I am not trying to sell you anything, just checking an order! Did you really want to order $2700 worth of merchandise and ship it to Finland?" I got that guys address and sent him some money for a case of beer! The credit union made us get a police report and file on 12 fraudulent charges but reimbursed us within 5 working days. The losers had my cell number, address and card number. Still don't know how and they were never caught. Credit union gave me new card on the spot. We keep the checking balance pretty low now and transfer funds from savings when needed.
Mike's had great luck with U of Utah Credit union. He's now switched to Navy Federal.
 

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The losers had my cell number, address and card number. Still don't know how and they were never caught. Credit union gave me new card on the spot. We keep the checking balance pretty low now and transfer funds from savings when needed.

Now Chevron is another story. My son's card got hacked a week before Christmas. Three days later it was used in Oakland, So Cal, Arizona, and New Mexico all within hours of each other for a total of $2800. When we've traveled to Nor Cal, it's been flagged as we crossed Nevada, yet 15 transactions with the same card in three states at the same time doesn't raise a red flag? Luckily they've waved the charges but my card was maxed out and couldn't be used for a month while they investigated.
Both of those examples are actual of actual identity theft, as opposed to standard ATM card skimming.

With ATM card skimming, there's really no protection against it, except keeping small amounts of money in an account that is not linked to any other accounts at the same branch.

Identity theft - you can sign up for the credit alerts when a new inquiry i smade; or lock down your credit file so they cannot issue any new credit unless you authorize it by phone. PHONE, as in a current cell number is also your best friend in shutting down theft as it happens. Security can't call you if they don't have a good number.

Card skimming they will use your card slowly. ID theft usually consists of several components of your ID, your address, phone number, social number, and then they hit you hard in hours, at multiple locations, knowing it's a smash and grab only.

The waiter at your favorite restaurant will swipe your card, sell the swipe and a skimmer will use it. That's card skimming.

A pimple faced geek at Verizon, or in the HR department where you work, will assemble a dossier of info on you, thebn sell it, or create new credit lines, new ID, an dthen one day take you to the cleaners. That's ID theft.

It pisses me off to no end - the info these $8 hour employees are entrusted with :mad:
 

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BTW, I'm a member of Pentagon Federal Credit union - among the top 3 credit union's in the nation. Yet, I am not an employee or former employee; nor was I ever a service member.

But, I joined the National Military Family Support Association for $25, which allows permits membership into PenFed. National Military Family Association: Civilian Family

PenFed is great, you can transfer money from say, Wells fargo, into PenFed. I'm not aware of any bank which allows inter-institution transfers. Plus, they are back in VA. If you don't have ATM cards issued, sure makes it tough to get your cash readily, which = a great method for saving!

But, as with most every credit union these days, you can also visit say, Arrowhead Credit Union, and do your banking there since almost all credit unions are now linked together.
 

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That's minor. You should hear the bs they pulled when I had a construction loan with them and the house was 60% complete and they called me one day and said the loan got revoked and they were going to take the house (never once late on a payment). I asked what I could do about it and they said 'that's your problem'..........

It was like dealing with the mafia.
 

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Discussion Starter · #15 ·
yeah they pretty much called me a criminal and now I have to fight with them 2 tours in Iraq with many medals and awards for my service to this country I go to work everyday to provide for my family pay my taxes stay out of trouble and do what im supposed to do and im getting treated like some scumbag theif its hard to even comprehend.
 

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Man, I can't believe they are doing this to you.

The deal is, unauthorized charges are unauthorized charges.

2 years ago, during a family members death I wasn't paying attention to what my daughter was doing on my phone. In one day she charged up $250 in downloads. I called BofA, told them what happened, and they reversed all the charges, saying although she is my daughter, the charges were not authorized by me. On a side note, there was also another $200 in pending charges thru Google. I called Google; they promptly called me back and much to my surprise, also reversed all $450 charges; they were very helpful.

I've had my card skimmed twice and both times I didn't even file a police report.

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Did you ever file a police report? Will they say there if there is anything ongoing, besides the investigation, that they are not telling you about, like somebody is still trying to use the card?

Could it be another family member? A lot of ID theft is perpetrated by family members or ex's, in-laws, friends of your kids etc.
 

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Discussion Starter · #17 ·
I did file a police report yesterday and as far as family taking my card I doubt it I only have my sister that lives in salt lake and she is pretty much loaded so she doesn't need the money and she is one of those people that has never gotten into any trouble ever not even a speeding ticket shes a good kid so I highly doubt she took it that and I haven't seen her in quite some time
 

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I cant prove it nor could the police, but the time I got hit big was just after I co-signed a bank loan for my brother in law. Got him a loan to pay off the Check City payday loan $#&*@!!s. Even with the hassle at least my wife quit giving money to her sister. The loan was through Zions but someone got some info on me through that transaction. Never again.... Just a tip, if you make a lot of on-line purchases get a low limit Visa or MasterCard. They will offer you higher but just say NOPE! $500! I use it for gas, boat parts on-line, bad neighborhoods and such. The interest rate is higher but doesn't factor if you pay it off each month. And it won't wipe you out.
 

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Identity theft

The stories here are so normal its not funny i want each and everyone to view this video its important this is a nightmare!

Billions stolen in tax refunds, anyone is vulnerable - Video on NBCNews.com

I am heavily vested in the authentication and id theft business and last year alone this crime and others in the id theft business grew 618%.

I have developed a new technology that will almost eliminate this and other forms of id theft and the IRS and others take their sweet time at making any changes..

The crook can have your name, address,SS# but it will do them NO good! If anyone on these boards has an issue with these id theft issues take a look at iVerilfy.com
 

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The stories here are so normal its not funny i want each and everyone to view this video its important this is a nightmare!

Billions stolen in tax refunds, anyone is vulnerable - Video on NBCNews.com

I am heavily vested in the authentication and id theft business and last year alone this crime and others in the id theft business grew 618%.

I have developed a new technology that will almost eliminate this and other forms of id theft and the IRS and others take their sweet time at making any changes..

The crook can have your name, address,SS# but it will do them NO good! If anyone on these boards has an issue with these id theft issues take a look at iVerilfy.com
Tell us more! Authentication like two-factor identification in computer security, or more of a brick and mortar/paper solution?

IMO, the problem is, and has always been simple, the use of social security numbers as an identifier. Technically, it's illegal to use a social security number for anything other than the administration of social security benefits. But, obviously that went out the window years ago. If they enforce not using a ss number as an identifier, then a lot of ID theft would go away.

Just yesterday the Cali Attorney General announced a crackdown on large companies who are not encrypting personally identifying information.

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A related side note...

A while back I had a friend approach me to help find a guy who sold him a Honda. My friend bought it from somebody he thought was shady, and my friend couldn't register the vehicle; seems it belonged to somebody else. My friend was out $8K. He also shared some of the responsibility; buying a $8K honda when Blue Book was $14K......not a wise move.

Anyhow, I start with a simple Google search and within seconds, find out it's the same guy who stole Donald Br en's $1.4MM tax refund. Yup, the guy jacked the owner of the I rvine Company's tax refund. Told my buddy you're pretty much screwed. My friend called a few weeks ago and said he obtained a Judgment against the guy (big f*in deal), and that there is a new warrant out for the scammers arrest. Well, yah, the guy is still on probation for the tax refund fraud, and is looking at some decent time at Club Fed.
 
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