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.
» Subscribe to FOX31 on KZbin: bit.ly/2PntEm4​
» Watch more FOX31 videos: bit.ly/3vIWTjd​
Visit our homepage: kdvr.com​​
Download the FOX31 App: kdvr.com/apps​​
Subscribe to our newsletters: kdvr.com/newsletters​
FOX31 on Facebook: / fox31denver​
FOX31 on Twitter: / kdvr​
FOX31 on Instagram: / fox31denver
FOX31 KDVR is your source for news, weather, and sports in Denver and throughout Colorado. We're always covering the latest breaking news 24/7. We bring you Problem Solvers investigations; news stories dedicated to military members, veterans and their families through Serving Those Who Serve; and we cover our state's unique and changing forecast with Pinpoint Weather.
#News #Colorado #FOX31

[@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

[@user-dw1ls3rp1l]

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...

[@user-jw8qt3uq4v]

​@@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.

[@Rooster_Crows]

good advice!

[@travelswithminky246]

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

[@NadiaCalhoun_hanadia]

You can Clearly tell that Strong widget is tired of playing nice guy. You can see the Anger and frustration towards these scumbags in his eyes. *STRONG WIDGET* I support you 100%. You are doing AWESOME work. Never give up. This is the kind of recovery agent that should get a tv show. National Platform to show the scammers their days are numbered. Thank you for what you do…

[@linjubar]

He contacted the bank, and found there was no problem, then went back to the scam text. 🤷‍♀️

[@yummm8775]

exactly...

[@MomandBuggs]

That’s what I was thinking they just told you there wasn’t a problem.🚩

[@Allen-L-Canada]

too polit, too responsible

[@kingsOnSetKOS]

Big dummy 🤪

[@bratzboyz]

I know, self-inflicted wound. Oh well, hopefully they learn for next time.

[@gamej7946]

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.

[@Easyrecliner]

The guy getting frustrated at the Chase Fraud department, because they didn't have any record of the conversation should have been the red flag, but his emotions lead him to make bad decisions.

[@truelife974]

His need for special attention! If you look online and see nothing unusual why are you insisting on a problem?

[@slam4119]

Completely agree. 💯

[@stan4now]

I agree. But Chase stoll needs to pay for this for not freezing the account until the fraud dept investigated.

[@penitent2401]

​​@@stan4nowthe scammers send those texts out using robo-dial system where they just spam it to every active mobile number in the database, some can do hundreds of numbers per second. Banks relies on those automated pass codes to verify the action, the code he received and gave to the scammers has warning text not to give the code to anyone including bank employees. There are banks and accounts that offers more safety features and self controlled alerts and accounts freezing and report functions but it's usually a feature you need to set up or go into your account features to uss. Those with limited tech knowledge mostly don't set it up or don't know about those features. Waiting on bank departments to do it themselves takes time, and many banks like Chase are not known to be quick.

[@jdl9623]

Exactly. Remember this is the actual verified phone number he dialed using the actual number from the bank of his card. Yet he chose to ignore this and believe the call that was unverified. It's almost as if he is going out of his way to confirm his account was frauded.

[@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.

[@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?

[@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?"

[@FVWhimsy2010]

Sometimes it's worth taking the time to drive to the bank. Period.

[@tag7592]

Then there's jugging.

[@_heycupcake]

Meh not really half the time they tell you to call the customer support line

[@fdllicks]

Yep

[@jaymogrified]

Not all banks have brick-and-mortar locations (Chase does though)

[@skytechbits]

Amen!

[@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......

[@tanyadrake5674]

I never answer my phone unless I know who’s calling and I never answer strange text messages

[@janeentumbao8690]

Most of the calls I get are from scammed and people looking for the person that had my number before me. And I've had this number for 4 years already!😂

[@George_M856]

Reminds me of a few weeks ago Bank of America called me and said that a business account was set up in my name, but yet when I asked my name they didn't know, so i laughed and hung up.

[@stan4now]

Still a close call.

[@bendossantos783]

They can know a phone number and name, it can be pulled from a resume on LinkedIn for example.

[@WmTyndale]

HIGH IQ!

[@m0L3ify]

lol I did this with a "Microsoft" agent once who called to tell me I had a virus on my computer. He said he could see the suspicious computer activity at his office at Microsoft. I feigned concern and he asked me if my computer was a desktop or a laptop and I said "Well, if you know so much about my computer, why don't you tell me?" He cussed at me and hung up. 😂

[@m0L3ify]

@@k-Sayl Sadly, real jobs don't pay nearly as well

[@phillipsmall7674]

I commend this couple for sharing their unfortunate story. A story that most people would've probably been too embarrassed or ashamed to share. Thank you for that! The more we hear about this, the more people it will help from becoming victims.

[@mrparts]

Yes,, the majority of people suffer in silence and say nothing.

[@susandouglas]

100% agreed. They’re actually helping innocent people

[@yesandno000]

and hopefully chase help them out

[@lokinsea]

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

[@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!

[@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..,..

[@traybern]

IMAGINE being able to make $137,000 in JUST 20 MINUTES!!! What a THRILL it must be to wake up every morning!!

[@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.

[@user-zf3xb3qx8w]

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.

[@terryowen6759]

I've gotten text like that, I'd seen KZbin videos regarding these exact scams, do Not ever reply to these texts...Ever.

[@dialac1]

Exactly

[@helenhines2712]

Same here. I ignor them all. Scamners have gotten so sophisticated that if you're not on top of it and are not aware of these scams you can easily get scammed.

[@stevenpike7857]

"What's the harm if I tell them to @$)& off?" - well now they know they have a live line and will sell it to other crafty scammers / hackers. So yea, great advice, don't ever reply.

[@jflores1]

I’ve gotten sketchy text like that before I called my bank immediately and they said do not respond back. If you aren’t sure best bet is to call your bank.

[@suzybearheart530]

I get them all the time but usually they want me to click a link instead of reply Y or N

[@Valentine-sd2fb]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@Manselus-uy3kz]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

[@Daniel-ss7ri]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@user-ql1hu3fr4f]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@Daniel-ss7ri]

Just research the name Angela Lynn Schilling. You’d find necessary details to work with a correspondence to set up an appointment.

[@user-ql1hu3fr4f]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@tombray3169]

This spoofing phone numbers must be fixed.

[@KAT-dg6el]

I get spam phone calls all the time with my area code. Apparently they think I’m going to answer it like all us Montanans know each other. 🙄 I don’t answer and then I block that number. I have a very long list of blocked numbers in my phone.

[@m0L3ify]

Yeah, I got a call from an elderly gentleman one night asking why I called him. I had to explain spoofing to him.

[@reginabillotti]

​@@m0L3ifyone time some scammer spoofed my number, and I got slammed with dozens of people calling me to ask what was up. I went to the phone store and the worker told me that there was nothing he could do about it. Fortunately the calls died down after a day.

[@jklfds85]

What is spoofing?

[@m0L3ify]

@@jklfds85 The caller ID number that shows up on your phone isn't the actual number that's calling you. It's faked, and likely a total stranger's number that has no idea it's being used.

[@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.

[@IssacStrong-lv3qyfgy]

Mad respect for saying yes bro. sometimes opportunities present themself and you Gotta take them. i am kind of a *Strongwidget* fan, but this recovery was a great message. you both already won For participating!

[@genxveteran]

The only true security is knowledge and your brain.

[@loujon191]

The problem with CHASE is that their customer service is terrible. The fraud department keeps you on hold for a long time and you can't get through to anyone. Usually, it is low level CHASE employees selling your information.

[@laurenurban3942]

Chase put my mother through hell just because she wanted to pay off the mortgage. Every Chase bank she went to told her that they couldn’t do that for her at that location……she needed to contact the home office if she wanted to pay the mortgage off. Yet, she could go to any chase bank and make a mortgage payment, they just wouldn’t except the mortgage payoff at any chase bank. Ridiculous. I had to drive her to a branch that was over an hour away just so she could pay off the mortgage…so they would accept the cash from her. Unbelievable!

[@HAL-9000x]

Which is ironic when considering that they’re the most expensive bank.

[@thewebdiva5903]

Chase used to be an excellent bank until Dimon took over and the bottom line became more important than the services they used to provide. Plus they bankrolled Epstein.

[@Anthony-sn8co]

They do this because they know they can get away with it. The banks are grossly irresponsible. In my opinion, there should be laws introduced where banks can be prosecuted, we have to take this incredibly seriously.

[@Banks1769]

When someone attempted a similar scam on me, I called Chase customer service and they told me, "that was us". Still seemed fishy to me, so I didn't go though with what the scammer tried to get me to do. I don't bank with Chase anymore.

[@flamngopnk8053]

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.

[@flamngopnk8053]

@@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.

[@The1GeminII]

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.

[@a.a.a.8365]

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

[@barbarachambers7974]

This is far too common and I am so tired of these scammers getting away with it.

[@DanielKoch-kw6fw]

Hey Barbara, good evening.. how are you doing today ?

[@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

[@HappyBeeTV-BeeHappy]

If Chase contacts you by email or text or something, call the bank to respond. Don't respond through the text or email.

[@M_SC]

He did and they were useless

[@jimcab4279]

@@M_SC No, they were right, they told him there was no issues and he didn't believe them.

[@Milesco]

​@@jimcab4279 Did the Chase employee warn him *not* to respond to the questionable text message he received? She should've at least done _that._

[@Capohanf1]

WONDER IF HE GAVE ANY $$ TO THAT AFRICAN PRINCE EVERYONE GETS EMAILS FROM???

[@louiscyfer6944]

​@@M_SCare you too stupid to grasp what was in the video?

[@monizdm]

It is remarkable how often this is happening at Chase.

[@cathylong4031]

Chase has poor on line security. I got hacked once, the scammer changed my email address, but Chase did not alert me . Total scammed around 8500. After a few months, the bank did credit me my loss. That was 10 years ago. Now I keep just enough money in y account.

[@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

[@MrWildbill]

I feel sorry for them but for decades the banks have tried to pound the message in that they never ever ask for your login information, ever.

[@M_SC]

Yes. But everyone has a bad day, a vulnerable moment

[@Sasha32659]

Chase had 2 opportunities, through their customer service team, to educate this customer about this phishing scam. They should just include alerts about it in their IVR so that all customers hear it while waiting on the phone. Unfortunately, not everyone watches the news or keeps up with the latest scams.

[@rjw8316]

@@M_SC Then you lose.

[@HAL-9000x]

Banks don’t offer a way to disable anyone being able to withdraw that amount, without secondary, in person, identification. Text messages are also the least secure system and can easily be circumvented, yet banks still insist on using sms.

[@MaxPower-11]

@@YazevskiUsually when the bank sends you a one time code that they want to you read back to them it will say so in the text. I am sure that the type of one time code he received was one of those that you are meant to type online and which usually says “don’t share this code with anyone”.

[@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.

[@jaywholoveseveryone1721]

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

[@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 !

[@lward9675]

First mistake is banking with Chase! When you spoke to the local branch, they should have immediately placed a lock on their account.

[@robertyoung2819]

Something... Maybe not a lock on the account... Possibly have it to where the customer needs to call in to verify the transaction... Especially when the customer had "JUST CALLED"... Questioning a possible fraud happening on his account...

[@truelife974]

The problem is that there was already a protective feature in place, but this man didn't understand how it worked.

[@Carl_McMelvin]

This makes absolutely ZERO sense. 🤣🤣🤣🤣

[@Carl-lo5fe]

Do not do business at Chase Bank

[@ayylien]

Then they will place a review for chase is how they "got locked out of their account" and could not pay their mortgage. People put their eggs in one basket.

[@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.

[@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

[@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. 🙂

[@youarehere1251]

When in doubt, do nothing.

[@biancagerade4229]

Exactly he should never acknowledged that text. that's where it started to go downhill for him because they send out millions of those Every day other day I got one from Amazon prime supposedly saying that my account was in jeopardy😂 I'm too cheap to have Amazon prime I've only ordered from Amazon three times in the last 5 years, that was through a gift 🤣

[@jogmas12]

I treat every incoming call, email and text message with suspicion and proceed cautiously or do nothing if my guess is correct and it usually is.

[@Puggalug]

@youarehere1251 That’s the problem. The “do nothing” philosophy can be difficult because one of the social engineering scammers use is create a sense of urgency. That fear then makes the victim act sooner than later. “Do nothing” is easier said than done.

[@biancagerade4229]

@@Puggalug that means you're not in control of your emotions of your actions you need to learn to be in control of Your self self-control in this day and age is very important

[@M_SC]

@@Puggalugyeah but it’s what saves you. You feel the urgency and then you remember your policy of waiting, doing nothing. Then you remember urgency = scam. Then you save yourself

[@emmas1082]

If it takes at least 24 hours to have bank transfers completed why aren’t banks stopping this during the wait time-at least notifying the receiving bank to send it back because it is fraudulent?

[@ivang9885]

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

[@moondancer334]

Red flag to me, that I think is pretty obvious, is @2:30 ...the 2nd text message, poor grammar: Thanks for confirming this transaction a representative will be contacting you shortly." This should be 2 separate sentences, properly punctuated. Legit companies and corporations always use proper, well-written communications to customers.

[@zaq1337]

Good catch. Being a grammar nazi helps lol. His mistake was replying to the text, they send these out randomly to EVERYONE as a test. DO NOT EVEN REPLY! You have to go in to the branch or call the bank number directly. 🙄🙄🙄Just like the haters gonna HATE HATE HATE HATE HATE. The scammers are gonna SCAM SCAM SCAM SCAM SCAM 👀👀👀

[@davek1943]

@@zaq1337 maybe not randomly cos it said they already had his bank acct info just needed passcode?

[@ButchNackley]

Banking was far safer before everything went online.

[@janeentumbao8690]

Nope. Phishing has been going on for decades. Remember ever getting an email saying some dutchess of some newly named country that you have to Google to find , she's in some prison held for ransom? But you, you lucky random stranger, are their only hope! Must send $5000 immediately to free her and she'll forever be grateful! Nah sis. Suffer. 😂😂😂😂😂

[@robertthomas5906]

Money is gone. Yet if I try to transfer 100K from one of my accounts to another account in another bank they put it on hold for a week. Even if I go into the bank personally. Even if it's a check from a title company. I don't understand why in the case of scammers the second it's transferred, it's gone like a fart in the wind.

[@Ian-pz1fd]

There are at least three different kinds of transfers... internal transfers, ACH transfers and wire transfers. A transfer from one of your accounts to another account at a different bank is almost always an ACH transfer and they are usually put on hold for a period of time, whereas scammers always initiate a wire transfer which is final the moment it leaves the account.

[@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.

[@youtoobization]

The problem here clearly is because he shared his one-time passcode, which he should never, ever give to anyone. Not even the bank themselves because they would never ask him for this. It's not like the banks were not trying to protect their clients. It's just that no matter what protection are out there, someone somewhere will always find a loophole to scam people.

[@M_SC]

It could be so much better though! He CALLED the FRAUD department and they were like oh, we don’t see those calls we don’t know what’s happening and didn’t suggest it was a scam call

[@SpaceCadet4Jesus]

@@M_SC He made 11 transfers? What was he thinking? There's enough information on frauds and scams out there but this guy panicked and hung up on the Chase people and reinitiated his conversation with the scammers. He's at fault, not the banks.

[@stan4now]

Chase didn't respond as soon as it should have. They need to pay for this.

[@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?

[@louiscyfer6944]

what do you do with the one time passcode they send you? what is it for? if nobody asks for it, what is it for? you people are just to dumb to survive. you shouldn't use a bank if you don't understand how it works.

[@ginger6582]

No bank should transfer any funds beyond 500.00 dollars without calling the customer and verifying. Otherwise, stop transferring. How freaking hard is that?

[@89sightt]

That's how the guy got scam, he thought the bank called him to warn him of a wire transfer. He even trusted the scam phone call more than the bank agent when they called back

[@MercedesAshleyOnline]

What if people at the bank are the actual scammers

[@89sightt]

@@MercedesAshleyOnline then dont use a bank, they have your info with out calling anyways

[@ReganBenson]

@@MercedesAshleyOnlinemy thoughts as well. This is way too closely connected to the bank.

[@travelswithminky246]

@@MercedesAshleyOnline under the mattress it goes.

[@iseeflowers]

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

[@MuzicTunes-lk6np]

How do scammers even know who you bank with?? My family & friends don't even know who I bank with. Does the bank release that information to the public??

[@vivillager]

Sometimes the scammer just casts a wide net and hopes to get lucky. For example, I've gotten messages about my walgreens prescription... I don't get any prescriptions from any pharmacy, but if they send out the same message to a bunch of people, odds are, a significant number of them do have prescriptions at walgreens and some of them may respond. Having said that, I think there are unscrupulous employees at some of these banks. There was another youtube video of someone else who got scammed, Chase bank nonetheless, and this scammer not only knew their account number and account balance... but also knew 3 of their last transactions, locations and amounts. Scammer still needed the verification code tho, and the victim gave it up. Like in this video, the victim in that instance was also a business owner, and was scammed out of more than 100k, just like in this video. So my guess is, someone inside is helping the scammers, and they're mainly targeting accounts with deep pockets. Having said that, I once got a call from someone claiming to be from CapitalOne, and that someone accessed my business account. Well, I do have a business account at CapitalOne, so I was very concerned, but then the scammed asked for my name, and I thought to give a phony name. When I gave the fake name, the scammed said, "Yep, I can see that there is activity on this account", so I told him, "I'm so glad you called, the timing is perfect, I'm in the mall parking lot, so I'm going in and I'll have the branch manager freeze my account". I was actually at home, but I wanted to give the impression that I was going to have it handled locally. Years past I got calls about a computer virus, hung up, they'd call back, so I'd hang up again, and they'd call back, and it was a continuous loop, hoping that with enough persistance that I'd fall for it. I found it better to give the impression that they have no chance of deceiving me by essentially saying, "I'm going to let the pros that are local to me handle this".

[@jreteeksjreteeks8868]

It’s the bank employees doing it

[@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

[@memmener]

I wish they reported the exact conversation with the scammer to know how the scam transpired. What was said that they needed the passcode? How did he generate the passcode? More details would be helpful

[@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!

[@EverElia]

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

[@irrelevant2235]

It amazes me, especially in this day and age that people still fall for this scam.

[@brunofalcon4645]

people are busy, and some people are so honest and upstanding they cant believe someone else can be so evil enough to do something like that so they dont think about it

[@joegardner5386]

Just call the official bank number first and don’t answer any texts or calls.

[@janeentumbao8690]

This shiz has been going on for several decades. It used to be grandma and grandpa and lonely desperate housewives getting scammed. Usually it was that email from that prince from Estonia that's being held for ransom.😂😂😂😂

[@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.

[@johannab7715]

After he checked with the bank that there were no wires initiated, why didn’t the bank warn him that the text might be a scam and he should not reply?

[@lokinsea]

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

[@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.

[@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

[@chiapets2594]

That was all on you dude

[@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

[@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

[@cxa011500]

Banks need to do more to protect customers.

[@truelife974]

They do, it's just that the scammers are people who work for the bank or is contacted by the bank. They have the tools to manipulate the unsuspecting customer.

[@rubyoro0]

How can banks protect customers from themselves?

[@yummm8775]

Banks can't help it when a sucker is born every minute. The bank branch already told him there was no problem but he still replied to the text.

[@Straightdeal]

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

[@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.

[@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

[@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.

[@bendossantos783]

There is probably a black market where account numbers are bought and sold for this reason and provided by insiders.

[@rockgo1991]

I SALUTE you for all that your doing, helping all the victims of these scambaggs, they so deserved to be humiliated and be exposed to the public, these people have no place on this world, welldone Sir, *Charge backtools* we're here to support you, more Power to you and all your team!!

[@kauigirl808]

I always get this texts or email. You're supposed to call the bank yourself. My gf almost fell for a scam because she got a call from her bank and asked her to verify a text code. She thought it was real but luckily she was at work and said she's busy working and had to hang up. This was not Chase.

[@lorettaroublick9767]

He's not too bright and has no one to blame but himself; he gave them his passcode.

[@M_SC]

Actually he can blame the criminals committing a crime against him. Why do you have the same morality as thieves? You’re no better than a thief

[@vertihvost7675]

He lost. Next time he will do better. It was a valuable lesson.

[@laurenurban3942]

He was bright enough to amass a lot of money. I wish I was that smart, but I do know to never reply to bank texts or emails. I would drive to the bank if I ever received a text or email like that. Never discuss anything over the phone or computer when it has to do with your money. Go to the bank in person.

[@jaycahuenga6416]

Now he has to "work 10x harder" even if he gets even a mere grand..via working... hopefully this is a lesson learned.

[@chrisv-gb2fn]

DON'T reply to ANY suspicious texts!

[@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.

[@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.

[@Chahlie]

I'm a half hour away from my bank and would go storming in there the minute anything was weird. I also have an old fashioned flip phone :)

[@badkittymama6508]

My doctors office told me that they would call to discuss test results but their phone number would identify as unknown. I told them they would have to leave a message because I would not answer. I’m guessing that I wasn’t the only one because they have since changed their policy.

[@tanyadrake5674]

I always use a credit card rather than a debit card you are insured

[@Dumbluck14]

My debit card was hit. I changed the card and it got hit. I have changed my credit cards several times. I got a call several years ago from the bank at 6pm at work. Someone was using my card all over the area😂I had my card. They shut it down and issued a new card. My MC numbers were stolen at the border of AZ and CA when I stopped to get gas. Unbeknownst to me until I spotted the charge on my statement.

[@briang.7206]

I use debt card they monitor me and have protected me when my wife lost our card. But you're right credit cards much safer

[@allemander]

@@briang.7206 But, do you use a dictionary?

[@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.

[@oneone9884]

Happens every day. And the passcode alert says we will never ask you for this code!

[@janncoons7445]

Chase - don't forget JPMorgan is one of the original robber barons

[@AAALLDAY07]

Does the scammer had an Indian accent? That would be huge red flag

[@DistrustHumanz]

Not that simple anymore. Real time digital voice alteration can make anyone sound like they have a different accent now.

[@johnnguyen4152]

My daughter got it. The scammer ascent like nature born here.

[@commenter674]

I’ve been on the phone with Indians and they were genuine customer service reps so you never know nowadays

[@AAALLDAY07]

To me anybody I talk to on the phone with an Indian or Nigerian accent is automatically a scammer to me. Not being racist or anything but it has worked out for me from not being scammed

[@johnnydoe3603]

Dude probably heard an Indian Voice on the Chase Helpline & Cut the Phone to Speak to the Scammer who sounded Native. 🤣🤣

[@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.

[@dtyallen9864]

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

[@rmalus10297]

Yea... this should be common sense. Their stupidity is to blame.

[@nicksrandomness8116]

Banks will never ask for a 1 time passcode

[@user-dq2ly5ut9j]

Yes they will thats how the scanners gained access to the account.

[@stevenpike7857]

@@user-dq2ly5ut9j True, but you have to initiate it while accessing your account online yourself, or trying to change your password. Sending you a one time passcode and then asking for that passcode in two different phone message is the giveaway, and why this scam works so well.

[@sophocles1198]

@@user-dq2ly5ut9j I think they ask you to type in a passcode but they will not ask you to tell them the passcode over the phone?

[@realgood537]

banks ask for code texted to your phone to verify your identity

[@tanvigawde1612]

They do for identification verification.

[@jdelaney9325]

Note to self: do not deal with Chase Bank. Ever.

[@theresebabel8241]

Them and Bank of America

[@Litvagopnik]

Sounds like a skill issue, they've been great to me. Have you considered that maybe you just suck?

[@Carl_McMelvin]

This doesn’t even have anything to do with chase. 😂

[@19hundoc47]

Another note to yourself, go back to school and get an education and some common sense. This could happen at any bank. They are scammers impersonating a bank.

[@SpaceCadet4Jesus]

@jdelaney9325 A knee-jerk analysis?

[@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.

[@heymoe1179]

Do not reply to phone calls, texts or letters. You should always initiate the correspondence. I tell this to my elderly parents over and over. You should call them...not the other way around.

[@tracysills257]

People, just because someone texts, email, or calls you DOESN'T MEAN YOU HAVE TO RESPOND. Banks and IRS will NEVER CONTACT YOU BY TEXT, PHONE CALL, OR EMAIL. AND THEY MOST TIMES WILL NOT CONTACT YOU FIRST

[@beautyover6018]

Actually, they do contact you through text message to alert you if you have transferred money over done wire transfers, or if you had an excessive amount of charges that look like they could be fraudulent. BOA does this.

[@tracysills257]

@beautyover6018 yes. But if you bank with their app, they ask you if you want them to do that. They don't just do that out of the blue.

[@williamstriumph9463]

Chase should pay it back, why would a bank allow that much money to be wired to some weird over seas bank without for sure confirmation. I hope chase picks up the tab for this.

[@Koogz406]

Chase acts like it's over seas ahhh we can't even do anything ahhhhhh we are so mad like you dang it sorry. It's a scam it's fraud and it's people stealing they need to send a few dozen lit touches to the business

[@CyberMachine]

@@Koogz406I thought our money is protected up to 100k? Wtf happened to that?!

[@mrbear3487]

You can’t move money overseas without Uncle Sam asking all kinds of questions

[@Quantris]

it's weird, they repeatedly required me to come in to the branch for way smaller domestic wires (but I've only done them once every couple of years so somewhat understandable) perhaps this was a business account of some kind that regularly does such transfers? I'm guessing they have some kind of machine-learned risk detection that may not have flagged this

[@DistrustHumanz]

Why should Chase pay for this man giving away his account passcode to a stranger?

[@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.

[@robertrosanelli444]

A sucker is born every minute.

[@allemander]

A fool and his money will soon part.

[@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" 😂

[@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

[@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!!!

[@johnraymond7569]

I have a lock of only 500.00 a day able to leave my account unless I verbally specify to send more. This is not for things that are on auto pay.

[@CGT80]

That might only be on your debit card. The problem is that the scammers will break into your account and link an external account where the banks do not normally have limits and somehow the scammers can move the money in minutes where it takes a real person days to verify a linked account. My family setup a savings account with no account number or online access so that money can only be accessed in person at a branch. People confuse the security and options of a visa debit card with their savings or checking accounts and they are not the same.