Total Scam and they have been refining their craft!
Complaint
Jeff Madson
Country: United States
I'm in the middle of getting scammed by these fakes. Don't say yes to anything because once the charge gets posted to your credit card it can't be reversed no matter what your local state law is. Like the other posts I contacted Chase and they told me that they do not negotiate interest rates and they also would not reverse this charge until the scammers tried to make true on their promise. I've been with Chase for decades but they told me we would have to wait even though they would not negotiate with them. I will be leaving Chase also when all this is cleared up. I tried calling Auto Guardian after I got the number from Chase because I never got one from them. They also have different company names these use to try to make things as confusing as possible. The phone went dead when trying to call them on Sunday and when I got them on Monday there was not way they were going to reverse this as any legitimate company would and all they kept saying was basically you f^%$ up and now we have you. I was stupid and fell for all this but it really upsets me that there's nothing I can do about it after trying to invoke our states three day cancellation policy and trying to get Chase to stand up to these scammers. This charge of over $1,200.00 may be the final nail and force me into bankruptcy. Don't get caught up in this trap, just hang up!
Comments
Some call center in Mumbai, India, known as Silgate, does nothing but run scams to steal money through credit card charges, creating the pretense of offering something of "value" that is really worthless, as an excuse for credit card charges. If they can, they set it up as repeated monthly charges. According to several consumer complaints, they even intercept 1 digit misdials for major US company customer service numbers, like major banks (like BofA, and even Chase), utility companies (PG&E), even insurance companies (like Blue Cross). "Gift card" scams, "gas voucher" scams, fraudulent "magazine subscription" shakedowns, and these "lower your interest rate" scams. All lies, all fraud.
They would have been raided long ago if they were in the US, but they are across the ocean in India.
File a WRITTEN fraud dispute with Chase. Make sure it is "timely" (within less than 60 days of the statement date showing the charge), so that it fits within the dispute requirements of FCRA. Send it CERTIFIED to Chase, at their dispute address from your statement, so you have USPS verification of timely mailing, and timely delivery, within the 60 day statutory dispute window. Do NOT do this by phone, as you do not want to leave them a technical way out, and often such fraud disputes hinge on timely notification, on the fact that they COULD have just reversed it rather than ignoring it. FCRA is federal law.
In addition, have Chase block your card number NOW, since it is in the hand of known scammers who are known to run through multiple fraudulent charges on obtaining such card numbers.
Then if Chase doesn't just reverse it, due to fraud, file a complaint against Chase with the Office of the Comptroller of the Currency, at www.occ.gov. Chase will have to respond to this. They have the power to push the charge back on this scammer's bank, if they act quickly, or they can futz around and risk OCC directing them to reverse it, or raising it as an issue at their next audit, and if they don't get the money back in time, THEY can eat it.
In the future NEVER respond to any unknown callers. In the current world of Do Not Call list blocking of any legitimate telemarketing, the only cold callers left are all scammers.
You might try a credit union.