CHESTERFIELD, Va. (WWBT) — A Chesterfield man is relieved after months of trying to resolve his issues with Wells Fargo.
“I would say I was cautious before all this happened. Now I'm completely paranoid,” Lloyd Chaser said.
He dealt with online banking issues for months after his Chase card was hacked and his credit card points were stolen.
“Chase returned the points almost immediately, but then Chase was attacked again through my PayPal account. Someone took $179 without my consent. I got that money back right away,” he said.
Ms. Chaser also dealt with the hacking of her Virginia Credit Union account.
“[It] Hacked for nearly $16,000 in damages. I called Virginia Credit Union. they saw it. Someone opened a checking account in my name at Virginia Credit Union. I got that money back,” Chaser said.
During negotiations with JPMorgan Chase and Virginia Credit Union, Chaser noticed a problem with the Wells Fargo account.
“I spent hours and hours talking on the phone and meeting in person, and here I am several months later,” he said. “I believe it's June 2024. I checked my Wells Fargo bill payment account and as I went through the bill payment list, I found a Capital One credit card for $1,990.”
Chaser said a Capital One credit card was added to her Wells Fargo account and the money was used to pay off an unknown Capital One card balance.
“I'm not a Capital One customer. If I had a son or a daughter or somebody and they said, 'Dad or somebody, can you pay me?' What would they think?” I can kind of understand it. I don't have any children. No one has ever done that to me,” Chaser explained.
After contacting Wells Fargo, he said the bank began investigating the situation. He was then sent multiple denial letters and an affidavit containing what the bank claimed was the chaser's browser history. Wells Fargo said the transaction was rejected because its investigation found it was conducted by the chaser or someone with his or her authority through a secure online banking session.
“I talked to a friend of mine who works in cybersecurity, and he told me that a hacker could imitate my computer and make it look like it was me making the transaction,” he said. Ta.
Cybersecurity expert Alex Nett, founder hive systemsay it's true. Netto believes it may be difficult for someone to prove their case to a bank.
“Even if he didn't put his fingers on the keyboard, it's going to be very difficult to prove that it wasn't him. This individual has found himself in a position where there has been some sort of impersonation,” he said. As a result, the bank probably won't know if it was him or not,” Nette said.
Nett says the hacker may have accessed Chaser's username and password through a desktop or laptop computer.
“A lot of times there's another paper trail coming in, but it's account-level activity,” Nette said. “For example, if someone logs into that account at a strange time, say 2 a.m., starts paying a bill, and adds a credit card as an option, it is not associated with that individual in any way or form. Might be enough to overturn that controversy and make it successful.”
In late September, Chaser finally got the phone call he had been waiting for. Wells Fargo agreed to credit $1,900. Chaser said a representative contacted Capital One and shared that the bank's decision was made after learning Chaser's name was no longer associated with the account associated with his bill payments.
In a statement to On Your Side Investigators, Wells Fargo wrote:
“This was not a typical situation. Our review of the matter has confirmed that there were no errors in the investigation, but given the unique circumstances of this situation, we will continue to work with you on this matter.” We have decided to extend refunds to our customers while we continue to work together. solve
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