Chase - JP Morgan Chase, JP Morgan, Chase Bankcard Services Denied fraud claims for no reason Chicago, Illinois

St. Clair's Ripoff Report for VALUABLE information.

The following info is copied from another report..it is a recommendation left by the founder of this site on how to file a dispute for unauthorized use and get your money back...Now I am not a lawyer...and I do not know if the banks defense regarding use of your PIN can legally protect the bank or not...but it's worth a shot.

Editor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E. According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: “we could not do anything for you” or “you waited too long; it has been more than 60 days”. If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges. Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get. And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state. Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth. If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

If their  system was not hacked then you gave out your PIN. Or you wrote it down ( which is not safe guarding it) and someone got ahold of it, more then likely someone in your household. Which is why they will not cover it. Banks are pretty clear about this in their TOS.............if your PIN is givin out/written down/stole by a memeber of your household or a family member they will not cover it. Your best bet is to sue the person who stole from your account. Good luck!

I'm sorry that this happened to you, and I certainly understand your frustration.

However, I highly doubt that Chase is under any legal obligation to give you any assistance in this matter (at this point, at least).

This is just something you're going to have to let the cops deal with. File a criminal complaint (not against Chase) regarding what happened. Hopefully the police will put some time into finding out who did this.

If and when the perpetrator is tracked down, you're recourse, per the law, is going to be against that person, not Chase. Chase may be a bit more receptive to helping you out if someone is charged with fraudulently using your card, but I doubt that they would be required to do so.

Again, I'm sorry this happened to you. But I'm afraid you may just end up taking the hit on this one.

Chase must have policies against helping . I know wamu would have .

I know this because I had money stolen from my account .

In short someone an it happens all the time made some debit an credit cards and attached pins to them .

When i went to the bank I filed a fraud report and a dispute of the charges .

They said a pin number was used an that the card was swiped .

What saved me in proving I was not a liar that just spent money an yelled fraud was the fact I still had the card an alot of the charges were done in another stat .

at the same time they were being done in my state was a total mess . point is banks should protect u up to a certain amount an the fact chase doesnt should scare anyone who banks with them . 

Wells Fargo Wamu I know for a fact will reimburse thier customers an investigate for them .

 

good luck