Description

I received a call from 1-888-269-2806. The caller identified himself as being from the Chase Fraud Department. He mentioned there were two suspicious Zelle charges on a new account. He asked me if I opened a new Chase account this Monday. I said no. He told me it had been opened with my address (and gave the correct one), a second address (one I used to live at), my photo ID and my phone number. A check from Green Solutions LLC had been used to open the new account. He said it was an unusual company, which was flagged as suspicious, and then the two Zelle charges went through. He gave me the amounts of the two Zelle charges, sent to a Marcus Herbert: $1600 and $2400. I confirmed that I did not know Green Solutions or Marcus Herbert. He told me my phone number might have been cloned or duplicated and that it would be wise to switch my phone number. Meanwhile, he told me the new account ended in 4110 and that my case number was JPM875224-1. I would need to use this with Zelle. He also told me I would receive an e-mail with the information he had shared about the fraudulent account, including a picture of the photo ID that had been used to open it. He then said that I would need to speak with the Zelle fraud department, or my other Chase accounts could be used to pay these charges. He gave me cancellation codes to provide to the Zelle representative: 00999.05 and 001495.90. He told me if I needed to call back, the Zelle fraud department number was 1-844-428-8542. He also assured me I would be asked to give no personal information, and should not give any. I quickly looked it up and it was correct, so I stayed on the call. I then spoke with someone who identified himself as Jacob Gywn with the Zelle Fraud Dept. He sent me an email from Zelle, which I verified online was from a legitimate Zelle email: [email protected] He then instructed me to add a contact to my Zelle account-- a manager in the fraud dept.: Elsie Condie. Her "ID" (which I suppose was her phone number) was 347-224-3889. He then instructed me to put my case number in the memo and the code 001495.50 in the amount to send field. I expressed concern, and was assured that the two zeros were a code Zelle used that would make the numbers not dollars, but simply flag the manager that it was a code. The "code" did not work, and I was given another code of 00498.77 (which turned out to be the amount I was then scammed into sending this Elsie Condie). I was then given a different name and ID of a manager who would handle the other cancellation code. I was instructed to send my "code" to Deivy Valencia: 202-802-4371. My Zelle account gave me a $1.32 limit. The "code" I sent did not work, which I told was correct--the way they were verifying the codes. I was told that Deivy was on another call and not available to verify, however, and was given another name and number: Victor Monegro 267-233-1863. I had a repeat sequence: $1.32 limit notification, a failed send of "code" and the confirmation that this was all correct--the information had been received and they would now be able to cancel the two fraudulent charges to Marcus Herbert. He told me that since my phone number had been compromised, I would also need to activate protection for my Apple Pay on my phone. He asked me to add my debit card information to Apple Pay and then send him another code. He gave his name and phone number: Jacob Gywn 267-457-8198 and asked me to text a "code" of over $4000. I did not. I told him I had to work and could call the Zelle fraud department later to finish. He got very pushy and warned me I could lose money. I hung up, called by bank, realized I had been scammed and reported the scam to the bank, Zelle, FT , IC3, and my state’s Attorney General office.