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Report: #515740

Complaint Review: CHASE MANHATTAN BANK - Houston Internet

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  • Reported By: sherrieK — Conroe Texas USA
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  • CHASE MANHATTAN BANK Internet United States of America

CHASE MANHATTAN BANK Helps ID Thieves Steal Your Money Houston, Internet

*Consumer Comment: Read some more bank reports here..and you will find..

*Consumer Comment: Inside Job...

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I noticed on September 2nd 2009 that a purchase had been made on my bank account for a couple dollars and then a large cash back obtained. A 'cash back' is when you buy something and the cashier asks if you'd like any 'cash back' with the purchase. I called the bank and told them that I had no memory of making this purchase and could they check on it. The person who answered the phone said they would.
On October 2nd, I again noticed that two more purchases were made - one for a dollar and another for two dollars. Each purchase also asked for a large cash back. I went inside the bank this time. The purchases were being made at a store I normally frequent. I have always used their ATM machine when I needed cash though... never asked for cash back.
I shut down the card whose number was being used to make the illegal purchases and asked the bank to investigate. I also asked for a new bank card. When the bank card arrived in my mail box, the envelope was opened. I had a very uneasy feeling about that, so asked that the card be cancelled. To date, I've never received the pin number in the mail for that card.
Anyway, I got a letter in the mail from the bank telling me they had decided that the purchases were authorized. I immediately called them to demand why. They told me that this was because the amounts were within the limits of the purchases I'd previously made at that store. I was stunned... Because I'd made a $53 purchase in July at the store, someone was now being allowed to make one or two dollar purchases and demand $30 and $40 dollar cash backs each time...and get away with it... I told the bank that while the amount may be within my history, making a dollar purchase and asking for $30 or $40 cash back certainly was not...It was like talking to a brick wall...They had no intention of acknowledging that this did not match my spending 'history'...because that would have required them to refund the money into my account...
So, what is the result? Someone can steal your account info and as long as they use the same store you shop at...and keep the purchase amounts low...you are screwed...Chase bank will not reimburse your money...Please, do your banking somewhere else...

This report was posted on Ripoff Report on 10/27/2009 02:22 PM and is a permanent record located here: https://www.ripoffreport.com/reports/chase-manhattan-bank/internet/chase-manhattan-bank-helps-id-thieves-steal-your-money-houston-internet-515740. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Comment

Read some more bank reports here..and you will find..

AUTHOR: Ronny g - (USA)

POSTED: Tuesday, October 27, 2009

..that a few of the big banks have completely lost interest in taking ANY responsibility for THEIR customers account..that THEY are assuredly trusted with...and do nothing to help when there is unauthorized usage , fraud and theft. They just do not care anymore..or wish to deal with it...but...they have to...here is some info you can use to help you...Best of luck !!

The following info is copied from another report..it is a recommendation left by the founder of this site...

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. CHARGES TO YOUR CREDIT CARD If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here. Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck Let us know how you do! ED Magedson Founder RipoffReport.com


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#1 Consumer Comment

Inside Job...

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, October 27, 2009

Just from what you have written here it appears as if it may be an "inside" job, but by someone who knows you and not by Chase.  As there are a couple of things that don't quite add up.

I noticed on September 2nd 2009 that a purchase had been made on my bank account for a couple dollars and then a large cash back obtained.

- While I don't get "cash back" that often when I can not remember ever seeing the "cash back" amount separated from the purchase amount.  So how did you find this out?

When the bank card arrived in my mail box, the envelope was opened. I had a very uneasy feeling about that, so asked that the card be canceled.

- Unless this is a huge coincidence, someone who knows that you were getting a new card perhaps tried to get it again.  They would also have had to have access to the envelope before you got it.

So, what is the result? Someone can steal your account info and as long as they use the same store you shop at..

- Another coincidence?  That either a random person picked the same store you have shopped at in the past, or someone you knows the stores you shop at.

True thieves don't care about history.  They care about getting as much as they can as quickly as they can.  These coincidences along with the fact that most banks will not consider it fraud on PIN based transactions.  Because they figure that you would have had to given someone your PIN number(or been negligent with it). 

If you have not already done so, you need to file a Police Report.  With that report they should be able to get any video of that transaction, if too much time has not passed.  If you find that it was not you or someone you know you need to take that back to Chase.  If you still run into trouble you can contact the Office of the Comptroller of Currently at http://www.occ.gov

I would also suggest that when you get another card regardless if they send you a new PIN or not that you change it again anyways.

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