A Hayward woman suddenly received a stack of mail with 70 Chase bank credit cards, issued to 70 complete strangers, all on her credit card account. abc7ne.ws/3jF2mUm #scam #creditcards #chase
The idea of automating a red flag on an asynchronous process is much more complex than a hard block; but a hard block can't have any exceptions at all so the limits are rather higher than most people expect.
I have over 20 years in banking. Currently working for a mortgage company. Worked for Citigroup in their credit card department. It's common to add additional authorized users to your account. You would never ever be able to add that many to one account. Not even for business. This was done by an employee who was in a position to override the system and add those names. No way customer service could do this over the phone. Online yes, by an employee who has access to that company's systems. That's where they need to start.
Someone ended up getting a Chase CC in my wifes name back in 2019 and ran up the full $5000 balance in 1 store, they threatened to sue us for the money claiming they had 100% proof that she had used the card because it was caught on camera of her walking into a Best Buy to use it which I thought was amazing considering the last 3 years of her life she had been bed ridden till she passed in 2013.... no apology for that either
You had the legal right to sue criminally & civil for Deformation of character, Slander, & Fraud. Chase is KNOWN for these type of problems that's why the state I lived in eradicated all of them. it's an internal issue. Sorry for your lose & praying for continued strength
Totally agree with suing this bank for Defamation of character, slander, fraud, and criminal mischief. YEP, they would owe me more than a million plus back for doing that to a loved one who passed away!
I'm so sorry that happened to you. I kinda wish they had sued you only so they could lose embarrassingly in court and owe YOU money for the pain and suffering they caused you and the dishonor of your late wife's memory.
@@MoneyOverFame 🤣Like, Right?! It’s just makes my blood boil with the things people in certain positions can get away with but let me make a mistake in my position and you’re getting shown the door. It is unreal!
Sounds like an inside job. My Mom had her acct hacked like this at Bank of America - a bank employee ordered a debit card, and checks using my Mom's checking acct #. The employee stole $18.000 from my Mother's acct - which the bank replaced after finding out through police it was an employee. The employee was taken to court for fraud and only given probation. More and more bank employees are being caught doing this. Just saw another story on RU-vid where a bank employee added her boyfriend to customers existing accts as an authorized user and he charged up to $7000 in goods from one credit card without the acct owner even being notified an authorized user was added.
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I know exactly how this happened. Whoever wrote the software to add cards to an account never considered this possibility, so no check was included as to how many were added. Then whoever fraudulently accessed her account kept adding names, expecting to be stopped at any moment, but wasn't, so they just kept adding. They probably planned to grab all the cards from her mailbox and sell them, but she picked them up first.
Yes. You are correct. I saw this before. Happened to a couple of people , but not at this scale ...but She beat them to it. She got to her own mail box before the crooks .
Only in US and UK it possible in my country no mail you go to bank to get bank cards with your passport and after you still need to activate cards . No wonder why Fraud was so low .
@LuxuryLyfe how much fees have you paid over the years? Your local credit Union is better and reinvests your money in your community. San Mateo Credit Union is super good. When I make a mistake I ask and they waive any fee. Zero fees in twenty years. Credit card rate 10.99%.
Oh, wow... This is super crazy!! How does that not trigger an automatic account audit? Also, sticking with my bank. They call me if transactions look weird. Local is the way to go.
yeah that is nuts,70 cards and no alert. my bank luckily called me this morning when someone had my card and purchased airline tickets for $252! idk how that even happens but glad they were aware asap. my credit card day before had a fraudulent, .69cent Google charge and my they immediately let me know it was suspicious. but very frustrating because it has been happening frequently with me and my husbands bank/credit/prepaid cards
@Julie Anne Pay attention. Do not use services where they keep your credit card information on file. I had this happen to me last year. I suspect someone who works at the company that processes payments for the local bus company.
As a former chase credit card employee; the system should have not allowed it. Inside job…trust I’ve seen the cops chasing employees in front of the building
Had fbi agents take one out the building xD had bluetooth in his ear while repeating info bak to the customer, at the same time other ppl outside would be noting it down
You're making it to sound like it's a chase policy to steal from their customers instead of their employees doing the stealing. In the end a company needs employees, but they can't know if the person they hire is a fraudster because it's not written on their head.
Chase fraud department: I’m not sure this guy buying cigarettes at this time of day is legit, better lock down the account! Also chase fraud department: wow this lady has a large family of 70 all with different names, good for her!
Chase has a history of this. They allow fraudulent cards to be opened in other peoples names, then when they are told its fraud, they write it off as a loss and sell the balance to a collections company. Chase turns a blind eye to it because they profit off the fraud.
one thing missing from this. why isn't she sueing chase for this because this could have been decades of nightmare for her. Chase Bank needs to be sued!
I would want to watch her mail box 24 hours a day for the thieves to try to steal the cards from her mail box or from the mail truck. Even the mailman is not safe.
This could've been a dangerous situation. I'm glad the woman made her story public so hopefully the thieves are scared off for good. I wonder what the mail carrier thought when they were putting all those envelopes in her box? Surely they could tell there were credit cards inside.
"Bad security" is an excuse. These "mistakes" are profitable. People pay extras fees, and money is siphon off from accounts. The only thing a bank wants you to do is keep your money in their system or to use your money to reinvest in other things. Fees are very profitable for banks so these happen all the time throughout multiple banks.
How come adding 70 random names to a account is not a red flag for the bank system? She's so lucky the scammer couldn't retrieve the mails with the cards before her
This was done for credit building purposes, they used her card to add these people as "Authorized Users", so her credit pay history on that particular card will report onto their credit bureaus... They weren't trying to use the cards because they know if you add someone as an authorized user onto your account, the bank can only send that card to the actual card owner, not the person that's added.. Someone sold this as a service to those people, whoever that is, needs to be charged with fraud...
I can’t believe this happened when sometimes I get an Alert from Chase asking me if I just spent $20 at the gas station. But 70 added names on a card is not A red flag? Now I’m thinking of leaving Chase Bank
WOW is the only word I can come with myself! These stories ALWAYS freak me out & are exactly why I'm so diligent on watching my accounts! I check them almost every day & have caught a few mistakes but definitely nothing remotely like this! WOW!
@@NeverTalkToCops1 as someone with you username, saying it’s a myth is no surprise but people know your type is beyond mentally I’ll so we just ignore your ramblings….now get back to work at the fast food place.
Sounds like some scammers/hackers using her account to raise their credit scores. Authorized users can benefit off some else's account without even having possession of the card. I have heard of people buying and selling trade lines online. What happened to this lady is deplorable.
Ok this can’t be shocking news. People have been buying and selling “tradelines” like this for years to boost credit scores. The only reason it got caught this time is because they don’t normally request the card.
This type of system should include a threshold for the number of authorized users and then trigger an alert after it reaches that threshold. Then someone should contact the account holder by phone to confirm if they truly wanted to authorized all of those users.
I had my credit card account with different bank used by a call center representative when I called in a payment. I was refunded back all charges. I wonder if she maybe a victim of her own banks employees?
that also happened to me recently! my husband got a new credit card, Credit One and I have tried to make a few payments and they have been returned and no idea why. also had card info compromised on my bank card and credit card last month and again today. had to start over with cancel card n now wait for new ones. i don't understand what is going on with the fraud ,it seems rampant
Had a Comerica Bank manager open a "secret" account in my name. I had to threaten a clerk give me the account number so I could close it. They had a whole stimulus check scam going.
@@JulieAnne84 I have 2 credit one cards and my account was hacked twice- once to buy tickets to Mexico and the other time they tried to change the email , PIN, and mailing address to someone living in Florida. To this day I think it was inside job because I rarely used the cards.
@@thegrays3303 lmaooo, wouldent you wanna sue a bank if they potentially could charges you for 100s of fraudulent fees that you are legally bound to and affect you credit score for 10 years. I would say she could get a few hundred thousand since yn it was 70 dam cards they approved withought following company protocol basically going against their contract with the individual
We had someone open a chase account in my husbands name. We were saving to go to Australia so we paid that fraudulent card and demanded it to be closed. While in Australia the card which was not closed was once again used. Although we have proof we were in Australia at the time the card was used and have all the statements we have to pay this card off, Chase Bank is pathetic and was so rude to my husband and even threatened legal action, just disgusting 🤢. My husband is a 100% disabled veteran who fought for this country and Chase bank is treating him like a criminal. People NEVER deal with Chase. We have never had an account with Chase and never will.
She called the number that literally says "call this number to activate your card" and wondered how it got activated... Look Tina I'm sure you're a really sweet lady but you're just not that smart, good luck with your new chase account...
This is shocking and beyond sad. Thankfully in this instance the legitimate card holder was not impacted. The banks are allowed to deduct this kind of fraud from their tax bill, perhaps the IRS should stop allowing this? It might just make the issuing bank more vigilant.
Another reason why I will never bank with Chase Bank. The vendor who wrote the program and someone in the credit card department is behind this and profiting from it along with committing identity theft. A bunch of folks need to go to jail. The victim needs to contact the company that oversees banking regulation and practices. The victim needs to freeze her credit report.
chase charged me $20 in fees and I couldn't get them to get it off, all because I had less than $300 in my saving account. No matter who I called, they could not give me back $20. Chase is now a bad bank. No longer can you trust them.
Nothing new Chase has always been a scammers paradise. They Employe these people that set up these cells within Chase and all work together. And Chase continues to be in business.
Chase has held open my acct for over 2 years... I have NEVER received a bank card or a credit card. They refuse to close the act without an updated driver's license which I can not get because I am too disabled to drive!
This is why whenever you receive log in info from the bank, for a new account, the very first thing you do is log in and change the log in password and pin number(s)....always....
Yep. Some trade lines I've seen for over 1k+ depending on the older age of card and higher limit. They are only good for short term 2-3 months though. Then you have to pay that fee again per cycle. 😔💳
My grandfather used to have Chase. He switch in the last 2 years of his life. In those 2 years 5 different people used his card at Nike in New York (we live in California) A jewelry store in Florida, a car dealership in Texas for car parts. The best part? Chase never notified him. Whoever is in charge at chases fraud department needs to have this done to themselves to see how it feels.
Our company had Chase credit cards but had to get rid of them due to fraudulent charges on many cards even on cards that were never used. It became such a headache we cancelled all accounts.
I am closing my Chase account tomorrow ,l've never trusted them since the day l walked in to open a bank account and didn't like the attitude l got from the queen who helped me
Some credit repair companies used to sell authorized user tradelines where the person buying it knew they weren't getting a card but would have a positive tradeline. Perhaps stuff like this is how the companies get these tradelines in the 1st place?
That’s for hiring people who are not qualified. Sue Fed rules & regulations. It’s not the company’s fault. This is mandated by law. I feel sorry for a lot of companies that hired unqualified workers.
everytime I try to get a customer service job or something like these people who seem so incompetent,the qualifications and experience seem like an overwhelming list,i don't understand how these people get hired. don't even want to mention Housing is Key or EDD or any other govt employee... i really don't know how they get hired and are so incompetent, again, qualifications seem like alot on job ads
This happened to me with chase and with actual bank accounts. I just got a stack of bank notices to accounts I had not opened. I asked them how these accounts were opened without an ID and I was told they did not know.
Those are authorized users and most banks allow this so it’s not a red flag. 70 people using the cards would be worthless account in less than 30 days, it’s a function used by parents or businesses to give children or employees access to credit to build or rebuild theirs. You don’t give the person the card, so they can’t spend anything…but they now have an active account with chase allowing them a nice sized credit increase/history. Whoever did this was more than likely not giving the cards out to be used but selling the option to boost a persons credit by way of an authorized user which sells for sometimes $800 each user. Problem is the true account holder did not authorize it and had had no knowledge of it.
Be careful with your insurance agencies as well everyone! As an insurance agent, I have seen sooooo many ppl steal customer’s information & mess their lives up🤦🏾♀️
Someone made 4 Venmo transactions for $100 each. I’ve never used Venmo before and my bank didn’t flag it? Or $900 in a liquor store while we were at Disneyland. But a $50 charge at Walmart was rejected for being suspicious.
i work in IT, this lady most likely has some kind of malware on her computer. she needs to get new credentials to all her accounts from email accounts to her TV guide subscription...
@Blob Monster it's either she has malware, they tricked her through social engineering and she gave the criminals the login info, or she reused password on another site and the criminals used that stolen password. very slim chance it was from chase. more likely she got an email and clicked on something that compromised her computer...
Valid point. People just click any link and open any email. We must be as vigilant with our finances and logins as we want these companies to be. Stop blaming everyone else and take responsibility and ownership for your part in the play as well.
I will never have another Chase account. Time after time there were fraudulent purchases on my account, even after a new card was issued & the previous card canceled. The last time I spoke with a Chase rep. I told him I think the problem is WITHIN Chase.
This is why it’s good to register with delivery services to receive an alert for every delivery to your home. The PO sends me an alert with a pic of the mail. I cannot imagine getting an alert with all this...smh.
It happened to my friend when she paid $ 20.00 on her credit card out of $ 23.99 balance before the due date which is 5 days away from her other Chase account. After the due date they charged her $ 23.99 as fees for not paying it full.
Um no, with a 23.99 balance the minimum payment being at least 25 threshold, so she had to pay the full amount, the fee she got was a late fee for not paying in full.... if her balance was 26, and she paid 25, leaving the 1 there would be no fees, people blaming the banks for their ignorance lol
My mother keeps having issues with money being took out of her account without her doing and nothing on her statements saying she withdrawn anything. It's definitely some insiders doing dirt. Probably the manager.
An employee adding and selling others access to be authorized user so they can adopt your credit score and tradeline info, piggy backing as you can call it but this a whole another level with out consent and 70 yes definitely an inside employee access and chase can see who did it.