Phishing bank scam dupes Golden couple out of $137K

By the time a Golden resident realized the Chase Bank fraud team he had been talking to on the phone were scammers themselves, he was out more than $137,000. FOX31's Rob Low learns how the sophisticated scheme played out.
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[@Cucumberflavoredmustard]

If anyone ever contacts you claiming to be the bank with a "problem", just tell them you will go into the branch to fix it. They will then come up with a reason why you shouldn't and try to create a sense of alarm and hurry. That is the universal tell.

[@BeccaHetrick]

Or just don't answer calls from numbers you don't know...

[@Katrice-p3s]

​@@BeccaHetrickthey now simulate the actual institution's phone number so numbers you dont know no longer applies. Fortunately, I always say i will contact my bank directly and i never give out my personal banking or CC information if I didn't initiate the communication through verified sources

[@lylewalker5681]

I like to tell them i’m an off duty FBI agent, and then start asking them basic questions, and listen to their voice. It’s funny. Some of them get really aggressive with you. Most of them are career criminals who can’t get any other jobs, and you can tell they have a temper, and it’s fun to mess with them and see how long they can keep the act up before they pop and start threatening and verbally abusing you.

[@Shortie5-1]

good advice!

[@travelswithminky246]

@@lylewalker5681 next time give them a bogus number and phish them along.

[@7415_Gamer]

People should note that banks will never ask for your password. If they do, go to them physically.

[@patty109109]

It wasn’t his password they were doing over the phone two factor authentication- which, in fact some legitimate businesses do.

[@lazygardens]

Their IT guys can get into your account if they need to.

[@rjw8316]

@@patty109109 Your wrong, legitimate business do not ask for the authentication code. If they do stop doing business with them.

[@rjw8316]

@@lazygardens Of course, however, there is a record of that transaction and it would then be the backs fault and you would recover your money.

[@Rakusan2]

@@patty109109 If they do this then they have no idea what security is. So please stop using them.

[@yvonnem381]

His mistake was he went back and replied to the text after speaking with the bank. That got the scammer to call him. If he would have left the text alone, it would have been ok. It’s scary how these scams are getting more and more elaborate.

[@youmadhuh6375]

You're right.. when I get those texts I just ignore them. They don't send another text for a few months. I just ignore.

[@DwightStJohn-w1l]

scams are not only getting smarter, they're scoping the target: vulnerable, senior, lonely, slipping non-linear dementia, then "hand off" to an extremely agressive closer just like used cars/cons/boiler room stock scams/rug pulls.

[@Bruce_LeRoyy]

text message was just 'fishing' since he responded he was 'hooked'........ oldest trick in the book

[@jiogcyihsugyiocjfdoivhphvw6821]

but they arent. the consumer is getting dumber

[@Milesco]

​@@jiogcyihsugyiocjfdoivhphvw6821 No, that's not true.

[@person35790]

Never ever ever share your password, passcode, or anything else. Banks regularly tell you never to share this. They mean it.

[@RubbingPotatoes]

I called Bank of America to close my account. They sent me a text code for verification. I refused to provide it for this exact reason, even though I was thee one that called.

[@Bruce_LeRoyy]

Also sms is the old method of 2FA if they used a Yubi Key the Fraudsters would've moved on......

[@BimmerWon]

I keep my money in multiple different bank accounts with different banks just in case something happens to one of them.

[@CagedJock]

Smart! Me too!

[@wesleyalan9179]

But what if something happens to all of them?

[@dantheman9919]

I bet if Chase accidentally paid some one $137k they would find the account real quick.

[@MrsMathews]

They sure would

[@HobbyOrganist]

Yeah but that $137K was wired to some foreign country, there's NO getting THAT back once sent.

[@poincareconjecture5651]

😂

[@xLOVExGODx]

@@HobbyOrganistwonder if there is a possibility of having the transfer on hold for security reasons. A police department recently had that take place after sending a $1M to a scammer but they were apparently “lucky.”

[@jdl9623]

Nah, sorry but in this particular case, this guy made just too many mistakes

[@dalefutrelle1441]

Whenever I get a phone call from a person who sounds Indian, I just hang up. Never got scammed in my entire life using this golden rule.

[@M_SC]

False confidence, your heuristic can certainly fail.

[@Maya-vs7mv]

I don't even answer. Works every time.

[@abbracia]

I agree. Most scammers call from India. Never trust a "call from your bank" and / or that telltale accent. Drive to the bank and inqire directly.

[@westbccoast]

@@Maya-vs7mv Exactly NEVER answer any calls, you will get rid of 99% of scams

[@dougfisher1813]

Male Indian voice on phone; "Good afternoon sir this is Jennifer Hudson calling you from United States Chase Bank how are you today ma'am?"

[@AtMyHappyPlace]

So he reaches out directly to his branch and Chase not once but twice and they tell him all is ok, yet he still talked to the scammers. Very sad!

[@janeentumbao8690]

I think sis needs to talk to a divorce lawyer! 😂😂😂😂😂

[@os2958]

it can happen to anyone. im glad they were willing to share their story so that all can learn

[@vangary100]

Should have said "it sounds like you are dealing with scammers", not just say "All is OK". He might have taken what they said wrongly.

[@Al-Storm]

Special kind of dumb.

[@MLagarde0425]

Sadly, but true. Highly qualified Dummy.

[@BobRico-ew1olxc]

mad respect for him.. i can't even imagine the physical and emotional toll this challenge would put on a person. no doubt this is the best pro on youtube!!! Been watching *Strong widget* for about 2 years now and to see his growth is still good to accept, hes so humble and normal it’s almost like hes been on KZbin his whole life..,..

[@GaryWard-se4wbgary]

This was legitimately so wholesome. You can tell at the ending of getting Your money back that it Wasn't scripted at all when *Strongwidget* proposed.... This warmed my heart today! Congratulations Guys! So Happy for y'all!

[@janicep1508]

This exact thing happened to my husband, but I literally got him in the car and drove him to the bank minutes before he almost transferred our bank funds into a fraudulent account. They really pulled him into the scam.

[@M_SC]

Wow

[@janicep1508]

Fyi, I happened to walk into my husband's office, not sure who he was talking to or what was going on. By this time, he had already taken over my husband's computer and it seemed real. I asked what branch he was calling from, and I could tell he was looking up local branches online. Then he mispronounced the name of our suburb and I called it on him. He immediately accused me of being racist against his accent. The mispronounced word was not because of his accent, he really didn't know how to pronounce it, and he claimed to be a local bank fraud agent. He finally hung up when we told him we were at the bank. It shakes me because my husband was so hooked, he couldn't tell up from down, because the fraudster was posing as the bank fraud agent trying to help him. My husband had already set up another account with this guy and was ready to transfer all our money into this "safe" account when I happened to walk in. And all this because my husband clicked on a fake link. Be careful and don't worry about offending someone if they sound fishy.

[@XFizzlepop-Berrytwist]

Thats an amazing thing you did, glad he listened to you as well. Some people are too prideful to listen to others, especially in a stressful time. Its also a good thing you were around as well.

[@m0L3ify]

Yeah, anyone can fall victim to a scam. If they catch you on a bad day or say just the right thing to tap into your fears or insecurities, even someone who battles scammers for a living can fall for one.

[@PC_TV_73]

Rule number one, there’s no reason to keep that much cash in the bank. Specially, with their interest rates there’s literally no purpose.

[@OceanWaves-pu1ew]

NEVER, EVER, EVER respond to a text or phone call. ALWAYS call or go to the bank directly. It's not the banks fault.

[@elchamber]

That's what he did. Unfortunately, the scammers can fake their phone call ID to look like it's Chase.

[@Styphoryte]

​​​​@@elchamberI'm sorry, not trying to be racist at all but usually if they're a scammer they're gonna sound "foreign" is the best word I can use. But typically they sound Indian, at least I've noticed.... I'm just unsure how these older people still don't understand, if it sounds like an Indian scammer it probably is. Nothing against India or anything at all. It's just facts, it seems most sound Indian to me. Just hang up, easy. Report the phone number is the most you can do, although that probably won't do much. I'm only waiting for these Indian scammers to either get some Americans to help scam or use Bot AI voices once it gets advanced enough then no one will be able to tell.... I guess they're already trying that from what I hear. They've made their voices sound like family members and then ask for money... Scummy.

[@xladydriver]

It is the banks fault for allowing this. Having to do a majority of bank transactions online,without having 2nd and 3rd authentication prior to sending money (especially of significant amounts).

[@tedflaig7546]

Another thing said is these types of warning won’t reach the people that need it. But we do need to try.

[@rjw8316]

@@elchamber Not if YOU initiate the call or go to a branch.

[@hpNerd0003]

I manage info sec and fraud at my bank. Sadly I see this on a daily basis, unfortunately some are too gullible. It breaks my heart. The bank will never communicate with you that way. They will never ask for your account number or debit card. And if you do get a text or call - hang up and go to a branch, show them the text call or email… and do not call the number on the pop up message! Rule of thumb do not engage

[@traceyharrison8007]

I received a text showing that is was from Chase not too long ago. I did not answer it and did go to the bank and showed them the text. The associate I spoke to said just delete it and walked away.

[@hpNerd0003]

@@traceyharrison8007 they should have given you more attention. Terrible customer service but delete is the best thing to do, unfortunately there is no mechanism for tracking down the scammers… until money actually moves

[@josepha.r5839]

Chase's my bank so I'm triple cautious now. I've never gotten anything like this and will be far more vigilant. I've had sever phis from 'United Parcel Service' but went there and told me emphatically not to respond. At my age (77) gotta stay doubly alert.

[@stan4now]

Chase failed to respond immediately and needs to pay for this. They could've frozen the account until the fraud dept investigated like most good banks do. It's why I bank where I do. We're busy human beings. It makes it easier for thieves, robbers and scammers to get the jump on us.

[@Gem-n-life]

This is applicable to emails too. I’ve received so many spoofed emails from the companies I’ve done business with, it’s crazy! I’ve alerted some of them; however, it happens so often, I just delete the email and move on.

[@nloga-priya]

This guy does more to prevent and stop online scammers than the FBI. Not only are you closing the way for scammers, but also educating the public and making them aware. Well done *VAULT GUARD EXPERT*

[@dtyallen9864]

Go to the bank and talk to a bank representative. EXCUSE ME, I DO NOT DISCUSS BUSINESS OVER THE PHONE.

[@a.a.a.8365]

These criminals know what to do, because they know their way around the bank systems. Ex employees turned scammers.?

[@CH-gc8hf]

That is heartbreaking! Call the bank directly and ignore incoming text or calls from any imposters.

[@Milesco]

Exactly. What perplexes me is that he *_did_* call Chase directly, which is exactly what you're supposed to do. But then before calling the number for their fraud department that the Chase employee gave him, he _responded to the questionable text message_ that started this whole ball rolling. What the hell??? 🤔

[@jiogcyihsugyiocjfdoivhphvw6821]

going to the bank is better

[@PalmBeachFlorida24]

A Spoofed line falls into the juristiction of the FTC. The FTC should be dealing with this.

[@Carl_McMelvin]

No, it doesn’t.

[@neeksor]

F C C ...

[@Carl_McMelvin]

@@neeksor also a no.

[@neeksor]

@@Carl_McMelvin uhhhh try again sparky. www.fcc.gov/spoofing

[@luisfernando5998]

Soon they will spoof Uranus !

[@MissEAG]

The answer to this problem, is the ability to turn wire transfers OFF in your accounts... this needs to be the next step for banks to enable so that customers can be safe.

[@CGT80]

They can't seem to do that but you can setup savings accounts that require you to go into the bank in person. They do not have an account number or any access over the internet. If we needed more than a few thousand dollars, we could go in and make a transaction. The other problem is that scammers can setup a shared account and transfer money in minutes yet to transfer between any of my own banks it takes verification to share the account, which takes days. Luckily, I was able to stop the transactions when this happened to my family, but I had to work fast.

[@MariaPiedadChoreographer]

Or set a daily wire transfer limit

[@afbigfish1]

Its disgusting that we have to live with this type of constant criminal attacks from all angles all the time.

[@Omar_Zazzle]

True, but in my case, I am just asking you to donate to me $234,000.96 so I can buy a cup of coffee from Starbucks.

[@MariaAntoinetteF]

Block every call that isn’t in your contacts. That’s the safe way to handle it.

[@sabrinamerrick1271]

Spoofing allows the scammers to have any number they choose to display in your device caller ID. Even a banks legit fraud number. Its best for you to initiate the call to the bank directly yourself.

[@D.von.N]

They literally talked about spoofing... and you come with this?

[@MariaAntoinetteF]

He's probably scamming everybody. Don't listen to him

[@socialnico2346]

I’m old school, drive directly to the bank

[@M_SC]

Take a horse

[@socialnico2346]

@@M_SC lolllloooooolllllll

[@socialnico2346]

Gunsmoke

[@helenbogaard7292]

Yep me to very old school 😁😁😁😁

[@SpaceCadet4Jesus]

@@M_SC Yeah, I wouldn't drive either. It might be a scam. 🙂

[@jaywholoveseveryone1721]

Never respond to a text message asking to press Y or N.

[@betzabesuarez8586]

People of all ages should be required to watch KZbin channels like: Pleasant Green, Scammer Payback, Kitboga and others that do try to protect people from scammers. Once u start watching what this scammers do to convince people to give them money, u might not fall for their tricks.

[@allemander]

And the Jim Browning channel! I’ve tried to spread awareness of these channels and KZbin deletes my comments for trying to warn, save and help people from becoming scam victims.

[@Andrew-fq3gm]

I agree!

[@kendrickjahn1261]

I never give any information to anyone who calls me. I never reply to text messages, and I would never let them say, "Someone will be in contact with you shortly." If I didn't actually initiate the call to the branch, then sorry, no information is given.

[@Julius-Aldrindela]

*VAULT GUARD EXPERT* I'm relieved that you're out there fighting these thugs. We must take all precautions to protect the elderly and the general public from these despicable scammers.

[@AJ-pg6rg]

Banks employees can be shady too, sounds like an inside job especially if they knew his exact balance

[@michaelposner9035]

Yeah, Thats what I was thinking, They had to be into the account in order to tell him his balance in real time cuz if you are a smart enough, You are not going to go off a balance that was recorded on a specific date knowing that you may mess up considering the process of other transactions within the time frame of getting the info up until you call them so no you are not taking that risk, They were already inside his account and needed to code to initiate the wire transfer I guess

[@Dr_KW]

Guy said he called the bank to verify and they couldn't see the problem. Boom, done. How dumb do you have to be to hang up on the bank because of that and answer the scammers' calls? Making it too easy for these guys to steal your money.

[@patty109109]

Have you ever spoken to different people at the same company and gotten different information?

[@TheFlyingZulu]

@@patty109109 Sure but I'm not about to give somebody my 2 step authentication pass code via a text... like that's just really dumb to do.

[@vertihvost7675]

Nobody is forcing you to keep money in the bank. It’s just an option!

[@Rakusan2]

@@patty109109 This I feel like this is common. When I was talking to my vehicle insurance a month ago regarding a claim, the representative I was given would not answer so I called the new claims line. The first time I did so, the guy said he had no access to anything and was very rude. I then called the same line a second time and got a lady that immediately noticed the issue and told me everything that I needed to know.

[@manoramareddy4662]

luckily my phone blocke all the scam calls

[@jamesmurphy449]

Call your phone company and ask them in 2024, *how can they not know who's using their network* to send a text message?

[@57msdeb]

They aren’t using their network-just making it look that way. It’s called spoofing.

[@jamesmurphy449]

@@57msdeb If this old couple is paying a company like verizon $80/month for SMS, they deserve to know who's sending the messages they're getting. If the networks did their job, "spoofing" would not be a regular everyday hazard of telecommunication. We live in a much more connected era than our grandparents and have zero reasons to value anonymity on the phone.

[@musictosoothe]

But they're using someone's network. Shouldn't be hard to trace it. If they can find us, we should be able to find them. @@57msdeb

[@Sutterjack]

This is really scary because the guy who got scammed was not stupid or reckless. These scammers are getting more and more tech savvy and sophisticated. It takes EXTREME diligence and control over the desire to urgently resolve the "issue" - fear is one of the main emotions scammers play on.

[@rspen2142]

Is it just me, but Chase customers are always being scammed. I'm not saying other banks are exempt from customer scamming, but from the ATM situations to this, Chase is the one that seems to be in the headlines the most. I would have to just get my money from them and run.

[@a.alexander9221]

It’s always chase customers!! So weird

[@Carl_McMelvin]

Gee, it’s probably because it’s the bank with the biggest market share of customers. 😂 hello.

[@rhymereason3449]

Chase is one of the largest banks in the country... so of course lots of people getting scammed have accounts there...

[@rogueinvestor2375]

I'm not a Chase customer, and I've got many phishing messages and calls over the years. Weird. Do these scammers think I have a Chase bank account?

[@jeank5410]

If not Chase then Bank of America, or possibly Wells Fargo. They’re the largest consumer banks in the country.

[@smgri]

These scumbags did this to me too….if I ever got into one of those scam call centers I guarantee no one would get out alive

[@MoonDog991]

If you've signed up for anything, your information is out there don't think otherwise. Companies sell your name and number to others all the time and that information is poorly guarded and scammers get a hold of it.

[@ChristinaMagma]

The guy calls Chase and they say his account is clear and there’s no wire transfer pending, later on the guy actually gets scammed. Why didn’t they flag his account for any suspicious activity due to the fraud attempt? Why didn’t Chase put a hold on that money?

[@CMV314]

It's not their responsibility.

[@jujubees711]

I always wondered why they can't trace the wire transfer to see where it went and reserve it? Even if the scammers transfer the money to another account, they can trace it and then authorities can freeze the account. These traces can also lead to arrests. It may not work for every case, but some

[@SuperFunJess]

He told the scammers his one time pin number. Basically NEVER tell anyone anything or reapond to texts to anyone claiming to be a bank, instead, call the actual bank.

[@guyaldrich5878]

Never call a bank ! Go there !

[@jimcab4279]

@@guyaldrich5878 Why can't you call if you know the number? If you have an online savings account like many people do now a days, you have to call because there isn't a physical bank to go to.

[@thewebdiva5903]

@@guyaldrich5878 They’ll just put you on the phone with security.

[@kenbob1071]

Why did the real Chase send him a one-time pass code?? Did the scammer tell him to attempt to log in to his account so the real Chase would send the code, and then tell him not to use the code, but to speak it over the phone??? I wish the lazy reporter would have asked about this. Also, how did the scammer know his account number if this guy never gave it out?

[@SL-lz9jr]

​@@kenbob1071If you have a credit monitoring service you'll know that a lot of our personal information exists on the dark web from hackers stealing pieces of our information. Scammers buy some of that information in order to run their scam. Sometimes they have just about enough information but need that one missing piece to get in. I can't say whether or not this is the case with this guy, but it sounds like they had just about everything except the passcode. All they had to do was attempt to login as the guy on a different device that Chase didn't recognize and simply select to send a one time passcode to his phone number or email address and convince him to share that code and boom they have access. Unfortunately a lot of financial institutions have switched over to using one time passcodes to verify identity. Even when I call the bank they will not proceed until they can verify my identity by sending me a one time passcode. The difference is I called the bank, not the other way around. So I knew the request to share the pass code was legitimate. I wish we had better methods. It used to be that verifying pieces of personal information would be enough to verify identity but I guess due to identity theft being so rampant nowadays, issuing a temporary passcode is the next best thing? It's clearly not a fool proof system. Nothing is. Scammers will always find a new way to scam. If they applied their creativity and ingenuity towards a real profession, they wouldn't need to scam. Ughhhhh

[@melanie7781]

I never talk to people who call or text me like that. I don't understand why people keep falling for that scam today. Don't talk to who ever contacts you like that.

[@Rivera-Arlene]

Not only are you closing the way for scammers, but also educating the public and making them aware. Well done *VAULT GUARD EXPERT*

[@desiv1170]

There's psychology involved here too. Some people who normally can be very thoughtful about things get frazzled when the event hits and make mistakes that they normally wouldn't. I know my wife got one of those "your daughter is in trouble" calls, and even tho she definitely knows better, when she got a call with some people sounding like something bad was happening and a female voice that could barely be heard in the background was crying and asking for help, her first thought was "my daughter is hurt" ...and that can throw people off. Luckily I was home and recognized that it was a fake. I'm pretty sure my wife would have eventually recognized it as a fake too, but it is important to realize that when you add stress, even people who normally make good decisions can slip up...

[@Banks1769]

These folks who do these scams are pros at manipulating people. Anyone can be vulnerable to that.

[@m0L3ify]

@@Banks1769 Yup, exactly. I've known people who swore they were too smart to fall for a scam, and I let them know that made them the most vulnerable of all. They didn't believe me, but, sadly, one day they will.

[@hamsterdiving7593]

Why *ANYONE* would continue to keep their money in Chase after all the monumental bad press they've been getting is beyond me...

[@craigmcpherson1455]

This instance is not Chase's fault. The scammers use Chase to fool people because it's a big bank so they cast a wider net.

[@sfoster1186]

To be fair, Chase bank isnt scamming any of the people getting thier money stolen. These people are falling victim to scammer due to their own lack of paying attention. Its not Chases fault these people are giving their account access to the scammers.

[@josepha.r5839]

Is it all scamming via false Chase? Surely other banks have same problem.

[@stan4now]

It's why I quit Chase.

[@jeffjones6951]

Chase is better than Wells Fargo any day

[@EverElia]

I have a friend who works at Chase. She was adamant that WE WILL NEVER CALL YOU.

[@yagga8885]

This is so devastating. The one time password is the death knell. Never text a one time password. Always ignore the texts and check your account. If there was a charge you would see it. Do not engage. As an aside, I love that blue wrap dress the anchor is wearing.

[@Sidicas]

What is wrong with our phone systems that they allow numbers to be spoofed. That is what they should be invrstigating. There is technology that can fix our broken phone systems that is not being deployed, past time to hold phone carriers liable for all spoofed calls and texts

[@Cordovian]

Why are spoofed numbers still legal? There can't be that much of a business need when weighed against all the fraud involving spoofed numbers.

[@roachtoasties]

They aren't, but what can they do if someone is spoofing from Pakistan? I've got many spoofed calls from toll-free numbers (888, 800, 866, etc.). Evidently, they're easy to spoof and may be close to, or the same, as a company's actual toll-free number.

[@pychong1967]

These scammers rarely get caught, and that’s really sad.

[@joeboudre1667]

This kind of 💩 happens because banks no longer answer their telephones, you can’t get in touch with or maintain any kind of personal relationship with your own bank. Chase is to blame for this. When this happened to me, I literally got in my car and drove to Bank of America, because it’s impossible to get a hold of a human being in my branch ever, at any time.

[@iseeflowers]

Here is what I don’t understand. He suspected the text and called the bank branch but then replied to that suspicious text?

[@toddburgess6792]

It seems to me that the safest place for one's money is in their own hands. Entrusting known criminals with your assets is not advisable.

[@m0L3ify]

Are you suggesting the ol' cash under the mattress solution?

[@delayedgratification581]

No, it can't happen to any of us. - don't even respond to unknown number - never send anyone one-time security code - call the official bank number yourself - never make any snap decisions on the spot

[@NoNameNumberTwo]

Thank you to these people for coming forward. They will help other people.

[@mariakristinahawl1640]

Banks need to be proactive to inform their elderly customers about these type of scams.

[@laurenurban3942]

These people aren’t elderly.

[@purplecloud2828]

​@@laurenurban3942They are too tech savvy. Not in the real world.Why would anyone have that much money in that bank.Almost everyone else has better service and interest rates.

[@HobbyOrganist]

Elderly people are not stupid! even these people fell for it and they are hardly "elderly"!

[@KAT-dg6el]

Why would you assume elderly people are stupid?

[@MRkriegs]

​@@KAT-dg6el if u dont understand what the original poster meant maybe YOU are "elderly" 😂

[@Straightdeal]

The standard ruling is that the bank will never ask you for your pin/password or personal information.

[@ivang9885]

the cost of eggs: $3.99, a pound of beef: $5.49. the cost of gullibility is 137k

[@celestialtl]

Gold and cash… the banks are in on these scams

[@M_SC]

They certainly don’t help

[@freedmiskey]

Chase Bank security practices are partly to blame. A good practice for banks to adopt is to transfer the client to fraud dept while the client in on the line not have them hang up and call the number. The scammers took advantage of this gap between the calls and thereby tricked this guy into thinking the call was legit.

[@MartineReed]

Why is it always Chase Bank? This just happened again in San Diego. Same exact scam. It has to be insiders.

[@MrScottie68]

There are suckers born every day. When will people learn that the only way to handle suspicions of fraud is to go physically to your bank and NEVER respond to texts and phone calls.

[@fuffoon]

Very sophisticated to clone the phone number. My son lost 200 (I know, its nothing) on a pig butchering scam with an incredibly complex but false trading site that copies formats and names of legitimate investment businesses. If I hadn't shown him the details he would have lost much more.

[@lokinsea]

She looks done, she is not only mad at the scammers but at her husband for allowing this to happen.

[@ValeryDorenko]

*VAULT GUARD EXPERT* I would like to sincerely thank you from the BOTTOM of my heart! So many from tough harsh living conditions that suffer and you helping and giving them something that they desperately need just to survive. I thank God for wonderful people like you that are making the differences that truly matter most! God bless you Love from Greenville NC!!

[@P8860]

Would never trust a bank named "Chase"

[@potleyagits]

I feel bad for the guy. But never accept an inbound call from the “bank”. Always call or go to the bank. 🙁

[@j.l.5935]

No way to call, best way go to the bank to show smartphone to prove it. Simple!!!

[@chrisv-gb2fn]

DON'T reply to ANY suspicious texts!

[@seadweller386]

Some dude in CA got scammed pretty much this exact same way. The bank was also Chase.

[@godsdaughter8439]

People need to stop blaming these victims by insinuating "this would never happen to me because I wouldnt have done xyz." Hindsight is 20/20, and we are watching this video in hindsight. Get off your pedestal and have some compassion.

[@smokeynewton]

Don't do this stuff on the phone or your computer. Go to the bank and lock your account. Chase can't do anything about this type of fraud.

[@M_SC]

They actually can they have a policy not to

[@WildlifeWarrior-cr1kk]

I have Green Dot I can lock my card for my phone

[@JonDoe-t4w]

A fool and his money are soon parted.

[@co5863]

so cold

[@brunofalcon4645]

cmon bro we all make mistakes, its only a matter of time before someone outsmarts you, it may be happening now you never know, have some compassion.

[@louiscyfer6944]

​@@brunofalcon4645 good luck outsmarting me. i don't bank, use cash only, people get scammed because of the convenience factor. if you are going to use a phone or a computer with a bank, it should be only used for that. both should be turned off, and only turned on for banking. people are lazy.

[@MsPea]

This is where it pays to be poor. I couldn't give anyone $13.00, let alone $130,000.

[@jaycahuenga6416]

Heck not even 13¢

[@chiapets2594]

That was all on you dude

[@jennifer_mertens]

Sadly, even though he was spoofed, he freely gave them the last bit of info they needed to drain his account.

[@naxmiraz]

Bravo, *Charge-backtools* - I'm so glad you're out there fighting these scumbags. We must do everything in our power to protect the victims and the general public from these despicable scammers. You're a true hero, my brother

[@JB-et7zs]

No. This couldn’t happen to anyone 🙄 He literally called Chase who said they saw no activity and tell him to call the fraud line and then he turns around and replies to this text? Then answers a call? The bank just told him there was no transfer activity. So any text about said activity would be fake. The bank didn’t say he’d be getting a call. They literally told him what to do and he didn’t do it. This is 100% on him.

[@MKiurinuRigold]

Why in the hell did he reply the message ?

[@maxinef6654]

How did they know how much money he had in his bank account? My heart 💔for this couple. 😊

[@AndreyMursaliev]

One of the all-time greatest Scam alert vids! You, Sir, are not just a National Treasure, you're an INTERNATIONAL Treasure! The whole law-abiding world should be trying to find a way to get in touch with you just to send you a little donation and say thank you for working so hard at watching out for our interests. *VAULT GUARD EXPERT* I hope you enjoy putting your recovery's work together as much as most of us enjoy watching you do it. Thanks man.

[@Lp0tr33]

There is that one other part though, where the scammers know the account number somehow. And have everything ready except for the one time passcode.

[@Dumbluck14]

Where do they get the numbers????

[@Strobe47152]

It seems that this was an inside job. A Chase employee could have passed on to the scammer the customer's details (user id, bank a/c numbers, balances, phone #s associated with the accounts, etc)

[@George43_]

Bravo to *Charge backtools* - I'm so glad you're out there fighting these scumbags. We must do everything in our power to protect the elderly and the general public from these despicable scammers. You're a true hero, my brother

[@DelaCruzGelay]

Straightforward and extremely useful information. You really took the time to carefully demonstrate, and the alternative methods you provided are invaluable. Clear and concise just as I like it. *VAULT GUARD EXPERT* keep up the good work!

[@truhunk1]

There has to be a way to stop these scummy scammers. Someone isn't trying hard enough.

[@yesandno000]

they don't care enough to try in my opinion. so frustrating

[@SiberiaDreams]

Stop blaming victims. Why doesn't the US government protect it's own citizens from foreign criminals?

[@daveydudely9954]

you mean from their own stupidity

[@BlownMacTruck]

How is the government supposed to protect you from something the banks constantly say they NEVER do, which is ask you for a password or one time code / two factor auth?

[@truthsayer9534]

No one can protect you from your own stupidity.

[@TheMulToyVerse]

1st thing he did was smart; check with any and all people that could make such an action on those accounts… 2nd thing he did was smart; verify if anything had been processed or initiated and was then given the number to contact *~FROM THE BANK ITSELF~* The only other thing he should’ve done would be to call the phone number he was given, again *BY CHASE* and see what they tell him to do regarding that text Everything else is 100% stupid and MOST people are smart enough to not do… … with that said, I do hope that Chase, or the Feds can somehow recover even ~SOME~ of their lost money, but this unfortunately *is* their fault

[@TheMulToyVerse]

Between my various accounts, I get at LEAST 2-3 in-app alerts a year to be on the lookout for scammers, specifically spoofing/posing as the bank or sending unsolicited texts with broadly vague wording. There’s been the same header warning on one of mine for over a month and it’s not even the first time they’ve sent that sort of alert to all members… plus all the news headlines warning about this style of scam A text from just some random number that itself looks more like a 6 digit code asking a general question is a massive red flag… like seeing a ship with the Jolly Roger flag approach and thinking that it must be your kid asking for money… even if your kid is 14 and sitting in the room next to you… When you ask the kid if they sent you a money request (and they say no of course) *DON’T REPLY TO THE OBVIOUS PIRATES!!!*

[@johnhanselman6371]

Fools with money are easily separated. Shame on the them for being lazy. They could have used the money to buy a Tesla and then drive the bank to meet the bank manager in person at their bank.

[@Vane-Martine]

You're actually the push for me to get my degree in Information Technology so that I can protect people from heartless people like this. Thank you for all you do *VAULT GUARD EXPERT* , you're a genius with a big heart and principles. Support and Respect from Britain

[@Ydoit]

Banks be hiring these scammers employees from within. Ever wonder why they know who to target and how much you have?

[@inquirer1016]

All banks should require their customers to come into a branch to make a wire transfer and not allow remote wire transfer.

[@Lyssa0095]

That also will getting annoying though for people who aren’t able

[@bookbag6432]

Yeah, my bank doesn’t allow remote wire transfers. It’s better to bank at a small bank or a credit union because everything needs to be in person on a wet ink signature.

[@JakubK-in9ho]

Outstanding job done by *Charge backtools* I'm so Glad you're out there battling these vile con artists. We must take every precaution to protect the general people and the elderly from these vile con artists!! Bravo to you!! You ought to be awarded the Nobel Prize for protecting us. Big up, brother.

[@imnitguy]

"A fraud so clever, it could happen to any of us." NOPE. Sorry, they got duped and should have paid a LOT more attention. Hang up and call the phone number on the back of your card.

[@Dmitrythailan]

Hey *VAULT GUARD EXPERT* . I am just a simple dude from Australia, but I want you to know how awesome it is what you did, and what you do. Love your work mate and God bless you for everything you do for people in the future. I was truly touched by this vid.

[@joannewalker7863]

Outstanding job, *Charge backtools* I'm so glad you're out there battling these vile scammers. We must take every precaution to protect the general people and the elderly from these vile con artists!! Bravo to you!! You ought to be awarded the Nobel Prize for protecting us. Big up, brother

[@Riv3rch781]

There is so many cases around related to Chase Bank, Truist, and Wells Fargo for the most part. They should be sue for not being safe!

[@alvararichards1445]

Wow!!! Thanks for sharing your story.

[@tuffman1970]

Pull your money out of the bank now! Sometimes employees do inside jobs! Cant trust anybody!!

[@kagnewcobra5228]

Banks are friendly but they are not your friends.

[@indridcold8433]

This is 100% impossible for it to happen to me. I quit trusting banks in 2008 when FDIC failed thousands and they lost their savings. Everything is paid I cash now. If I want to make online purchases, I buy a prepay debit card. FDIC is a joke. All my savings are in tangibles, mostly metals. Banks see none of my money nor invests.

[@BlownMacTruck]

Citation needed. When did the FDIC lose people's savings?

[@rowluna6400]

Was there an INSIDE JOB AND LEAK? how did the scammer get their info??

[@ana34602]

I got scammed out of $6000 last year with a gift card scam starting with one of those emails. I was so stupid. Didn’t get $ back. Lesson learned. I get those types of emails on the regular.

[@zecharih7855]

Admirable job, *Charge backtools* I'm glad to see you actively combating these individuals who lack integrity. We must prioritize the protection of the elderly and the wider public from these reprehensible scammers! Well done, my friend!! You deserve the Nobel Peace Prize for your commitment to keeping us safe.

[@Nick.Egbert]

I'm a Police officer and I'm tired of taking these reports where people are scammed anywhere from 100 to seriously $50,000. It's quite unfortunate, *VAULT GUARD EXPERT* Seriously thank you for flagging down these swindlers and doing refund. You make me want to spend my next 10 years learning how to do this.

[@aliaschannel8877]

Yes, a special place in hell for those scammers

[@AnastasiaUskova-p9p]

Simple and extremely useful information. He really took the time to demonstrate it carefully and the alternative methods he provided are invaluable. Clear and concise as I like it. *VAULT GUARD EXPERT* Keep up the good work!

[@yakalaka6376]

So they blame the bank instead of themselves?…

[@BrianSmith-yq7ys]

The one I’m scared of is the one where they do a fake deed on your house and sell it from under you. They do this under real estate portfolios that they sell. Bunch of crummy properties they do own plus a couple of good looking properties that they don’t own with fake quick claim deeds