Chase Fraud charge take off then get rebill back on

[Anonymous]

I send the copy of police report 1 days ago and see how it goes. I also read that If I notify in 60 days my liabilities would be about $50. Should I file the complain via Consumer Financial Protection to get it resolve. 

[UncleB]

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@Anonymous wrote:

I send the copy of police report 1 days ago and see how it goes. I also read that If I notify in 60 days my liabilities would be about $50. Should I file the complain via Consumer Financial Protection to get it resolve. 

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There's no need to get the CFPB involved.... they are there in the event you have problems getting a bank to 'follow the rules'.  That isn't the case here (as far as I can tell).

I just looked over both my USAA and American Express current statements, and both specify that you have to notify them in writing within 60 days to preserve your rights (each of them gives their mailing address on the back of the statement).  Of course they want you to call them right away so they can shut off the card (and minimize loss) but it's the ambiguous wording that gets my attention.  Since I don't have a Chase account I don't know how they specifically word their notice.

For Amex and USAA, the language in both cases is specific to an "error on the statement".  The big question is, is fraud considered a billing mistake or error?  My first instinct tells me 'no', but $17k is enough money that I would personally spend 47¢ and a few minutes of my time to cover all the bases.  That way you don't have to worry about getting caught up in "semantics" later on - either way you'll be covered.  (Regardless of the eventual determination, the written letter 'stops the clock' on being reported late to the credit bureaus while they investigate.)

All this being said, first and foremost I would reach out to Chase to find out specifically what they need you to provide, and I would give it to them promptly.  If it were me, after you satisfy all their requests simply drop a letter in the mail (address is on back of your statement) to "confirm" everything and to formally state that you dispute the charges. 

If it's not needed it won't hurt anything, and if it is necessary it will be invaluable.  An ounce of prevention is worth a pound of cure. 

Just my 2¢.

[pip3man]

ok lemme make it clear that im not trying to suggest anything by this post but I just wanna point out a few stuff and let anyone draw their conclusion. First of all and this I know from my personal experience, when you make a transaction outside your normal location Chase always sends out a text and/or email alert requesting you to verify the charge before they can approve the transaction. Even within the US when u make a sudden initial transaction outside your state of residence, they always alert you. The other day I made an online transaction for a mere $50 and the company was based somewhere in CA, Chase alerted me immediately and I had to respond before they approved the transaction. So I find it hard to grasp that Chase would sit back and watch a $17k transaction originating in a foreign country go through without any sort of alert or even suspend the account if they cant reach u. That part is just hard to understand... someone had to have replied to that Chase fraud text or email that they were indeed the one who made the charges before Chase could have allowed charges in that amount go through the account successfully.

[Anonymous]

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@pip3man wrote:

ok lemme make it clear that im not trying to suggest anything by this post but I just wanna point out a few stuff and let anyone draw their conclusion. First of all and this I know from my personal experience, when you make a transaction outside your normal location Chase always sends out a text and/or email alert requesting you to verify the charge before they can approve the transaction. Even within the US when u make a sudden initial transaction outside your state of residence, they always alert you. The other day I made an online transaction for a mere $50 and the company was based somewhere in CA, Chase alerted me immediately and I had to respond before they approved the transaction. So I find it hard to grasp that Chase would sit back and watch a $17k transaction originating in a foreign country go through without any sort of alert or even suspend the account if they cant reach u. That part is just hard to understand... someone had to have replied to that Chase fraud text or email that they were indeed the one who made the charges before Chase could have allowed charges in that amount go through the account successfully.

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That's not always the case. I went on vacation last year out of state and used my Freedom several times and never received any alerts or notifications asking me to verify the charges. Now you would think they would if the card was used in another country, especially for an amount that high (17k), but perhaps OP had notified Chase of his intentions to travel to that country before he left so there was no need to verify anything thing? Who knows.

[Anonymous]

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@Anonymous wrote:

It was 17 000 USD. It was in Cambodia and I did travel therre and lost my wallet over there. Due to communcation problem, I notify chase several weeks later. Chase take off all the fraud charges, After a month, chase rebill the charges and close all my credit card account with them. 

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You took a LONG time to notifiy them. That's probably part of the problem. 

[disdreamin]

I have to agree with the timeline being an issue. If you filed a report with the police and yet did not contact Chase at that same point or very soon thereafter, I think you may be in for a difficult ride. Basically, i you didn't notify immediately upon discovery of the theft and - for whatever reason - essentially facilitated the continued use of the card by whoever was now in posession of it, all the while knowing it was not in *your* posession, I'd be very concerned that Chase will try to hold you accountable for those charges.

These are not charges that just showed up on your card out of the blue where your account was hacked. Your card was stolen, you knew it, and you did not notify Chase. Then, weeks later you see the charges and go "those aren't mine". Didn't they go through the most recent charges with you when you reported the card stolen?! I know Barclay's did that with me when my account was hacked. They went through every authorization and charge to determine which were mine and which weren't. I am very surprised Chase didn't do something similar.

[disdreamin]

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@Anonymous wrote:

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@pip3man wrote:

ok lemme make it clear that im not trying to suggest anything by this post but I just wanna point out a few stuff and let anyone draw their conclusion. First of all and this I know from my personal experience, when you make a transaction outside your normal location Chase always sends out a text and/or email alert requesting you to verify the charge before they can approve the transaction. Even within the US when u make a sudden initial transaction outside your state of residence, they always alert you. The other day I made an online transaction for a mere $50 and the company was based somewhere in CA, Chase alerted me immediately and I had to respond before they approved the transaction. So I find it hard to grasp that Chase would sit back and watch a $17k transaction originating in a foreign country go through without any sort of alert or even suspend the account if they cant reach u. That part is just hard to understand... someone had to have replied to that Chase fraud text or email that they were indeed the one who made the charges before Chase could have allowed charges in that amount go through the account successfully.

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That's not always the case. I went on vacation last year out of state and used my Freedom several times and never received any alerts or notifications asking me to verify the charges. Now you would think they would if the card was used in another country, especially for an amount that high (17k), but perhaps OP had notified Chase of his intentions to travel to that country before he left so there was no need to verify anything thing? Who knows.

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I agree that Chase definitely does NOT always message you regarding purchases outside your nomal location. Every other year or so we do big trips and I use my cards all OVER the place. International, all over the US, never a blink of the eye from Chase, never a text or alert on my account. And I don't call beforehand to notify them either. Never had a problem, never had any sort of message either.

[Anonymous]

It isn't true that Chase will notifiy you of every charge overseas.   I travel frequently and spend thousands abroad and Chase never notifies me or blocks any of the charges.  Strangely, when I do buy random things from online stores based in foreign countries then they do send me messages from time to time.

[elim]

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@Anonymous wrote:

It isn't true that Chase will notifiy you of every charge overseas.   I travel frequently and spend thousands abroad and Chase never notifies me or blocks any of the charges.  Strangely, when I do buy random things from online stores based in foreign countries then they do send me messages from time to time.

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   +1

I've also ran thousands through Chase cards overseas and never seen these emails or have had a charge blocked.  But... I have Alerts set up on all transactions anyway so I get the same Alerts. So, maybe they would alert the transactions even when no alerts were set up.

[Anonymous]

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@disdreamin wrote:

I have to agree with the timeline being an issue. If you filed a report with the police and yet did not contact Chase at that same point or very soon thereafter, I think you may be in for a difficult ride. Basically, i you didn't notify immediately upon discovery of the theft and - for whatever reason - essentially facilitated the continued use of the card by whoever was now in posession of it, all the while knowing it was not in *your* posession, I'd be very concerned that Chase will try to hold you accountable for those charges.

These are not charges that just showed up on your card out of the blue where your account was hacked. Your card was stolen, you knew it, and you did not notify Chase. Then, weeks later you see the charges and go "those aren't mine". Didn't they go through the most recent charges with you when you reported the card stolen?! I know Barclay's did that with me when my account was hacked. They went through every authorization and charge to determine which were mine and which weren't. I am very surprised Chase didn't do something similar.

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When my SW card was compromised, Chase contacted me right away, sent a text, and when I responded and said I had NOT made the transaction, they asked me to call in, and went over EVERY charge/authorisation over the last three days.  I was actually travelling at the time (went home for Christmas), so they even double checked on the transactions that I said were mine to make sure they actually were.