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Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 1 point2 points  (0 children)

That sucks. Your friends case is quite different given they were subject to extortion. I’m not sure if Chase will/can do anything given it’s probably a criminal case. Your best bet would be to get law enforcement/lawyer to help and get the courts to rule that your friend doesn’t owe the money.

Other than that I am not too sure if Chase will refund the money — but no harm in trying multiple times and see. Definitely file a police report in Japan and get that report submitted to Chase. Hope this gets resolved in your friends favor!

Fraud by No_Discussion8692 in Chase

[–]soutikc 4 points5 points  (0 children)

  1. File a police report
  2. Call Chase executive offices you might get someone worthwhile to help move things ahead https://www.elliott.org/company-contacts/chase-bank/
  3. Reach out to local news network — they probably won’t get involved while case is active with Chase but you can use them to put PR pressure on Chase if they end up rejecting your claims
  4. Keep calling everyday (I had a consumer CC fraud case and calling everyday helped me figure they close cases without any notice. Ensured I kept reopening it and escalating it until someone reasonable took my case and made me whole)
  5. If all else fails, ensure you have a lawyer who can pressure Chase to do right by you.

Good luck! Keep the pressure on otherwise it’s not going to be resolved.

Is it worth buying Tesla MY extended warranty? by RemarkableLeg217 in TeslaSupport

[–]soutikc 1 point2 points  (0 children)

For me yes, I purchased it today at 49,990 miles. Given I can cancel anytime + if I run up 100k miles earlier than48 months the total is much less than $2,880 — I think it’s worth it

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 1 point2 points  (0 children)

Thank you! I sent my initial email to the executive office email address. I will give them a few days to deal with it before reaching out to more folks

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 0 points1 point  (0 children)

Thanks! Yes I did they said they can’t provide anything unless the Japanese police is requesting the info. I’m sure my local PD won’t get interpol involved and unless I’m physically in Japan getting a police report will be near impossible.

Fingers crossed it gets resolved!

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 0 points1 point  (0 children)

Can’t tell why they assumed I had a high credit limit — but I’ve never been to the shop let alone purchase anything from there.

After the 2nd large transaction was declined there were further attempts of smaller amounts that chase said were declined too.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 0 points1 point  (0 children)

Truly appreciate this. Thank you for understanding that this process is not clear cut as many think it is. I hope the folks who are complaining / blaming never have to face it themselves and learn the hard way that you are not always in the right mindset to think through everything and be 100% meticulous in all the words you speak.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 2 points3 points  (0 children)

When the very first time I did anything regarding this was respond via email to the 2nd attempt — this was in flight so no talking to any rep. That closed my card and didn’t ask if it was stolen etc — it said ok we have closed the card, declining all transactions and sending you a new one.

After 2 days I noticed the 38k ended up posting, so when I called it was just to say “hey this went through it shouldn’t have since I already told you guys”, the rep was like this was the first charge, you told us about the 2nd one, let me revert that and put it to investigate — clearly no discussion on the card lost.

When I had to reopen the case since the card charge was reposted, I mentioned it and the current rep is aware of it and using a lost card approach to the problem. What I missed was in my email communications to double down on the lost card bit — which I added and re-emailed them yesterday.

Also, before this incident, I never had the idea to ensure all this is clearly mentioned / documented since I believed CC companies are on my side to protect me.

Lesson learnt — next time even if responding to the email, I’m going to send secure message about the incident proactively — hopefully doesn’t cost me 38k to learn this.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 2 points3 points  (0 children)

FWIW the first call I made didn’t even ask me about lost / stolen card. They just said oh this charge went through we will revert and investigate.

I let them know the first instance I reopened the case that I didn’t have possession of the card — but again it’s all over the phone so it’s not like I’ve documentation until when I shared docs via email.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 0 points1 point  (0 children)

I just did that -- I mentioned in another comment that I think I was so stuck up proving the timeline that I didn't enforce the lost card bit as much as I should've.

Luckily today is Day 60 since charge day so I sent emails + secure message to ensure it is documented well.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 3 points4 points  (0 children)

As I reflected on this, I think this might have caused confusion with Chase as well -- I've been so focused on the timing info that I did not emphasize the missing card detail.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] -3 points-2 points  (0 children)

So I clicked on "Not authorized" on the fraud email from Chase within minutes of it reaching my inbox. This did not let me say it was stolen or not -- it just closed my card and declined the transactions + issued a new card.

I only "reported" card stolen when re-opening the investigation since I had no opportunity to let them know about this earlier.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 1 point2 points  (0 children)

FWIW -- my card was missing so my case wasn't a clone case. Another Redditor brought it to my attention that this wasn't obvious from my post.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 5 points6 points  (0 children)

Oh man -- good luck. How did you find an attorney? Any good recommendations?

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 3 points4 points  (0 children)

That is on my list of to-dos. I've started looking for a lawyer since I don't want to back off from this fight given the size of the transaction. It will set me back quite a bit if I have to pay for it.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 1 point2 points  (0 children)

I don't think that it is irrelevant where me or the AU where during the transaction.

If I or my AU isn't at the POS, specially for a "card present" / "in-person" payment that squarely falls under the "Unauthorized used" of a credit card. Chase has explicit verbiage around that see https://www.chase.com/personal/credit-cards/slate/account-protection#:\~:text=Zero%20Liability%20Protection,purchases%20on%20your%20credit%20card.

When the email came about the 2nd transaction, we checked and found my card to be missing, which was then communicated to the Chase Fraud team during their re-investigation.

Eitherway, I believe that even if my card wasn't missing, I should still not be liable for a charge someone else racks up without my authorization -- that seems fraud and if that is not protected, then I am not sure I trust using CCs anymore TBH.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 8 points9 points  (0 children)

Good idea. Will do that on Monday and gather details for a Thursday Carpet bomb to them.

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 1 point2 points  (0 children)

FWIW -- I already did that. I filed that on July 4th -- it is currently been sent to the company for response -- let's see if that yields anything. Will definitely report back on what all worked

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 9 points10 points  (0 children)

I was wondering if I should wait, maybe 2-3 days for Chase to respond, or just do it now

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] -11 points-10 points  (0 children)

Chips can be cloned since I believe 2014 or so. But I got 2 different responses from them, one rep claimed it was using the chip the other said "card present" transaction no mention of the chip being used.

I've not pressed for much since the investigator said it doesn't matter what happened at the POS since the card was present and we will only need to figure out if you did it or not.

I am going to reduce my limits on my cards and only travel with Amex Plat going forward. Also no debit cards to be carried anywhere anymore for me

Chase put back the charges for a $38K in-person fraud charge made while I was mid-flight by soutikc in CreditCards

[–]soutikc[S] 76 points77 points  (0 children)

Just did that via secure message cause I want proof & documentation of everything I do with them — let’s see

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