Asking For Advice... My Brother Was Scammed, Chase Didn't Help

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Lance
 
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Asking For Advice... My Brother Was Scammed, Chase Didn't Help

Postby Lance » Sun Dec 08, 2013 12:09 pm

A month or two ago, my brother was convinced to purchase an item at what he was repeatedly told was a 'very good price' at a kiosk. He fell for it and authorized one transaction without knowing an amount, apparently. Theres a lot more details, but its probably irrelevant. He gave them his card and signed a charge without knowing how much it was. Turns out it was thousands, and they ran a total of THREE charges for comparable amounts that he absolutely did not authorize and did not sign for. Totaling quite a lot.

He called Chase, the mall , and the people running the kiosk. After a lot of work, the kiosk claimed they would reverse the charges. Some point after this, they got booted out of the mall and appeared to disappear. Chase was almost helpful at first, but they asked the retailer for proof and receipts. Supposedly Chase got two receipts SIGNED from the retailer for the two higher amounts. He is absolutely sure he only signed once. Chase dropped the smallest charge as a result. The retailer can not be contacted any more, and they are clearly not refunding the two larger charges.

At this point, he is willing to pay for the one charge he signed for, even though it was over 10x more than he was led to believe. The second charge he DID NOT AUTHORIZE and had no knowledge of until it showed up on his statement. He spent dozens of hours on the phone trying to sort this out, Chase is not willing to do anything anymore. He has until today to pay or go to collections.

So, any ideas?


samhradh
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Postby samhradh » Sun Dec 08, 2013 8:18 pm

Lance wrote:A month or two ago, my brother was convinced to purchase an item at what he was repeatedly told was a 'very good price' at a kiosk. He fell for it and authorized one transaction without knowing an amount, apparently.


Wow. This is for real? Who signs a receipt without knowing how much they're paying? My idea is you tell your brother this is what happens when you are duped and he's SOL. Lesson learned.

Your statement that the retailer can't be contacted doesn't seem right if Chase has managed to get ahold of them and receive copies of receipts. The timing also seems off. If he was charged multiple times and it showed up on his statement, there's at most a four week delay that could have occurred. How could the kiosk disappearing happen that fast? He should have shown up in person and raised a fuss.

Constructively, though, I can't think of anything else to do if he's already disputed with Chase. Banks don't take disputes lightly; Chase has probably researched this thoroughly and found your brother liable.
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MemberSince99
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Postby MemberSince99 » Sun Dec 08, 2013 8:18 pm

Not meaning to be harsh, but my idea is, NEVER sign for what you do not know. If you don't know the amount, and it's not on what you are signing and your receipt, DON'T sign.


Yes the people in the kiosk are scumbags, but geez when people get carried away with greed that's when scammers screw you over.


He could call the cops but that will go nowhere. He's tried dealing with Chase that went nowhere. And it's just his word against the word of scumbags who can no longer be contacted as to what happened. He can't find the scumbags so he can't even sue them (and I'm not sure that would work anyway).


All I can say is hopefully lesson learned I don't really have any other answer for you. It sucks, but do not sign something you don't know what you are signing - EVER.

Lance
 
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Postby Lance » Sun Dec 08, 2013 9:15 pm

Clearly he shouldn't be signing for unknown charges. That's not the issue. This whole process was over several weeks. The kiosk was gone within a few weeks. He did go back, several times. The mall was involved and they eventually got kicked out. The kiosk said they would refund his money, but it never happened. He spent hours at the kiosk.

The issue at hand is he DID NOT sign for the second charge. He did not authorize or approve it in any way. His car was not swiped, it was keyed in for this transaction. He asked chase for these documents they claim to have proving he authorized the two transactions and they have not provided them. A lot more was at play as well, they did several things that are not legal. It would be too time consuming to get into it, and not terribly relevant. Chase themselves said they could not contact the retailer, and they have no contact information on them? That makes it really confusing as to how they got these 'documents' to prove he authorized the two charges. Based on the fact that they are not able to provide them, I assume they do not have them.

So, you guys would just go ahead and pay for charges you didn't authorize? He is willing to pay for the one he signed, but the second one is just plain rediculous.

MemberSince99
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Postby MemberSince99 » Sat Dec 14, 2013 10:34 am

I hate to say it but since Chase isn't budging and wants to leave him in the lurch with this (so much for being protected from fraud when it's inconvenient for the bank I guess) then he's going to need more help than we can give him. I'd contact the CFPB and then a good lawyer - it sounds to me like he's going to need one. If they charged 30 dollars I hate to say it but you might be better off to just pay them the extortion than try to fight them on it. If it's 3k or 30k then get a lawyer and fight like hell. But do complain to the CFPB and make Chase a bit uncomfortable the more scrutiny we can get the government in on with these banks the less shady stuff they will likely do to screw the hell out of us, is how I see it. If there is one thing they really hate besides people who don't pay them back or the end of bailouts, it's the government in their business (other than to bail them out with OUR tax dollars).


Up to you but that's what I would do.



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