Complaint Review: Chase Bank Corporate Office | Headquarters - Internet

"We chatted online, talked on the phone and finally met in person a week before he left to go overseas for business.  In the five months that I spent getting to know him before he left on business... "

   Didn't it seem strange to you that your "boyfriend" who lives only 20 miles away couldn't manage to visit you over the course of 5 months?    No doubt there was a "story" to cover that, but that's the kind of thing you have to look out for when you "meet" people on the Internet.   

   I could be a scammer in East Africa and with today's technology, easily make it look like I live just across town.  I don't mean to sound cynical, but the Internet is a scammers paradise.  You can be whomever you choose to be, from anywhere you choose to be from. 

Your ripoff report should be on the boyfriend who scammed you.

Neither Chase, nor any bank, can do much to protect you from yourself when you enable such transfers and make payments from such an account.

People are expected to know the veracity of the source of incoming funds to their accounts.

If such funds came into this account and you subsequently used them to pay something else, only to then find out the bank had to give the funds back because they were stolen fraudulently out of someone else's account by whoever you though was sending them to you, then sorry, but you are held responsible for replacing the funds to your bank.

That's how it works anywhere.

You were scammed. The bank did what little it is able to do. It can't be expected to eat a loss incurred because you were scammed.

"I am still not sure whether he was part of the scam"

You still don't realize that he was the scammer? Really?

Didn't you ask yourself, "He can send payment from anywhere in the world so why doesn't he just pay the bill without my involvement?"

"uncaring bank that is only out to make money offf of innocent people"

Chase Bank is not going to make any money off of this. They probably will take a loss. Your report is unfair because Chase Bank has not ripped you off. You were the victim of a scam and must cover the loss.

To this day I am still not sure whether he was part of the scam from the start or whether he got involved in something while he was overseas and found that I was his only means to an end.
- It was a scam from the start.

This is defiantly a new twist to an old scam.  Generally these people refuse to meet face to face because they want to remain anonymous as possible.  Also for 9 months worth of "work" for a $2,000 "payday" is not great.  So I can almost guarantee that you were not the only one who fell victim to this.

I will say that since you met "face to face" you have more than other people do so perhaps they also did other things that made them traceable.  If they did perhaps the police may get a lucky  break.  However, the chances of him ever getting caught and you getting your money back is still very slim(almost none).

The problem is that you are the one responsible for the deficiency because you are the one who opened the account.  So they are doing the same thing that every other bank would have done in the same situation.

As a piece of advise.  Regardless of how well you "think" you know a person, you unfortunately have to think about the worst case.  So if you are every asked to open an account, co-sign or take any financial responsibility you have to ask yourself the following.  Are you willing to take responsibility for anything that happens with that account?

If the answer is NO then under no circumstances should you do it, because you have now seen what happens when you say YES.

I am also curious as to how you sent the money to pay for this guy's "bill".

I would agree with you that this scam seems all too familiar EXCEPT...for the fact that I had met this boyfriend face to face.  In fact, we were matched on the same online dating website that my brother and his now wife met on.  The boyfriend, at the time we met and started talking online, was from a town that was only 20 miles from where I lived.  We chatted online, talked on the phone and finally met in person a week before he left to go overseas for business.  In the five months that I spent getting to know him before he left on business...never once did I have any indication as to what I would fall victim to.  To this day I am still not sure whether he was part of the scam from the start or whether he got involved in something while he was overseas and found that I was his only means to an end.

" I opened a Chase Checking account for my boyfriend of 9 months (at the time) to transfer some money into when he came back to the U.S. after doing business overseas.   "

   I'm sorry, but this sounds like a common internet scam to me.   Was this overseas "boyfriend" someone you had met only via Internet/phone and never in person? (by that I mean an actual, live person standing in front of you)

"  I received the email that I had received the Quick Pay and I accepted it. I went to the bank a day later, told them what I needed to do, they did the transaction, I sent the money to pay the bill for the bf... "

  By any chance was this a money transfer like Western Union, Moneygram or GreenDot? 

" I called the bank and inquired and they told me that the Quick Pay that I accepted was not authorized by the sender.  "

  There's the real problem.   Your mystery overseas "boyfriend" ripped you off.   Wow, I never saw that coming. 

  This is just a slightly new play on the old phony check scam.   The scammer sends you phony money (bad check, money order, invalid quick pay) and convinces you to send real money somewhere else.  By the time you figure out what they sent you is bogus, they're long gone.    Does any of that sound familiar? 

  The bank is not going to cover you for falling for this scam.