"Found" $$ from JP Morgan:real or fraud? (Updated 4/16)

[Traveliz]

Check this out??

http://www.michigan.gov/treasury/0,1607,7-121-44435---,00.html

That is likely where the money is turned over after the company does there due dilligence to keep it from being "unclaimed." In my daughter's case her letter said she had a month to respond and then it would be turned over...I don't remember the exact words.

Liz

 

[S. C.]

Any updates OP?

 

[S. C.]

 

[IDoDis]

Since the bank already has the OP's SSN and just needed to verify it, all they are supposed to ask for are the last 4 digits of the SSN -- nothing else. It sounds like it might be legit, but the person on the phone handled procedures incorrectly.

I'm also wondering how this turned out.

 

[cm8]

Since the bank already has the OP's SSN and just needed to verify it, all they are supposed to ask for are the last 4 digits of the SSN -- nothing else. It sounds like it might be legit, but the person on the phone handled procedures incorrectly.

I'm also wondering how this turned out.

Me too

 

[S. C.]

Not the OP, but I also had a letter just like the one OP had. I finally went to Chase bank last week with my letter to see if this was real or a scam! It was real, was money from unemployment. The state had started the debit card program and my very last unemployment check was on the card from 3+ years ago. I went back to work and somehow overlooked that I had $724.00 on the card, I must of thought I already received my last check. I got home today to find my replacement card in the mail.

 

[Kathi OD]

Not the OP, but I also had a letter just like the one OP had. I finally went to Chase bank last week with my letter to see if this was real or a scam! It was real, was money from unemployment. The state had started the debit card program and my very last unemployment check was on the card from 3+ years ago. I went back to work and somehow overlooked that I had $724.00 on the card, I must of thought I already received my last check. I got home today to find my replacement card in the mail.

WOW! What a nice find!

 

[Traveliz]

Yep not the OP here either but my daughter did receive her money from Disney shortly after this thread died.

Also I would sure not wait for it to go to unclaimed money...if you are following that thread...I check yearly and have never found anything and this last week money for my husband came up from 1975! So they aren't exactly speedy about getting this info out.

Liz

 

[AnnaS]

Does this look legit?

I received this email a few days ago - the whole Chase logo - blue, etc. Looked very legit. I forwarded to their abuse/fraud department and sure enough I received a reply a couple of days letter saying that even though it looks like it's from Chase, it is definitely a fraud and called "phising". I did not post their reply because it had my name, email address - it says they will never ask for account information on line. I know the OP received a letter - but why would that be any different than an email. Could be legit though- so I would be visiting the branch (who probably can't help) and calling the branch directly until I reached someone who could help.

Good luck to the OP and let us know how it goes.



ACCOUNT VERIFICATION


Dear Chase Online(SM) Customer:

Our online security team has detected irregular activity on your Chase Online Bankingaccount.to help us prevent crime we need to verify your account details registered with us to be sure your account has not been breached.
In the first instance we use a Secure Online Identification and if this is successful,
that is all we need.
Please simply click on our secure server link to Log On and to verify your details.

verification.secure.chase


For your protection, transactions on your account may be limited until you are able to confirm your identity. We realize that this precaution may cause you some inconvenience; however keeping your account safe is one of our top priorities.



Thank you for being our customer.

Sincerely,

Cathy J. Marinelli
Senior Vice President
Chase Online Banking Team


Please Do Not Reply to this Email. This is a notification-only email that cannot accept incoming replies.

 

[AnnaS]

I forgot to add the op can google the name of the person who signed the letter too and see if anything comes up like mine.

 

[mdsoccermom]

Does this look legit?

I received this email a few days ago - the whole Chase logo - blue, etc. Looked very legit. I forwarded to their abuse/fraud department and sure enough I received a reply a couple of days letter saying that even though it looks like it's from Chase, it is definitely a fraud and called "phising". I did not post their reply because it had my name, email address - it says they will never ask for account information on line. I know the OP received a letter - but why would that be any different than an email. Could be legit though- so I would be visiting the branch (who probably can't help) and calling the branch directly until I reached someone who could help.

Good luck to the OP and let us know how it goes.



ACCOUNT VERIFICATION


Dear Chase Online(SM) Customer:

Our online security team has detected irregular activity on your Chase Online Bankingaccount.to help us prevent crime we need to verify your account details registered with us to be sure your account has not been breached.
In the first instance we use a Secure Online Identification and if this is successful,
that is all we need.
Please simply click on our secure server link to Log On and to verify your details.

verification.secure.chase


For your protection, transactions on your account may be limited until you are able to confirm your identity. We realize that this precaution may cause you some inconvenience; however keeping your account safe is one of our top priorities.



Thank you for being our customer.

Sincerely,

Cathy J. Marinelli
Senior Vice President
Chase Online Banking Team


Please Do Not Reply to this Email. This is a notification-only email that cannot accept incoming replies.

Google is your friend. According to Chase, that's a phishing scam.

https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/privacy_security/fraud/page/fraud_examples

 

[AnnaS]

Yes, that is exactly what they told me - and doesn't that email look good?

 

[mdsoccermom]

Yes, that is exactly what they told me - and doesn't that email look good?

I'm sorry, I totally missed the part in your post where you already knew it was a scam.

It does look good. I imagine a lot of people fall for it.

 

[Jestocost]

Yes, that is exactly what they told me - and doesn't that email look good?

These kinds of emails are always Phishing scams. One trick you can use is to just move your cursor over the hyperlink they want you to click without clicking on it and see where that link really wants to take you. In Internet Explorer you will see the address where the link will take you in the bottom left corner of your browser window. It's almost always some crazy foreign Internet address, which is a clear indication that it's a Phishing scam.

 

[Geoff_M]

If it is turned over to the state, you can still claim it as unclaimed funds, it will just delay the process..

Not necessarily, the funds could just go to the state's coffers. In a previous job in Michigan, one of the tasks my unit did was to issue checks to retailers to cover the costs of special marketing promotions. By Michigan state law, if a business writes a check to someone and that check is not cashed after a set period of time, the business is required to contact the payee on the check and ask them if they would like to have the check re-issued. If the payee fails to respond after a period of time, the money defaults to the state treasury. It was my understanding that it doesn't become "unclaimed property" that can be retrieved at a later time.

As for the OP's question... I'd proceed with caution, but if the letter was addressed to you and wasn't a generic letter like other Phishing e-mails then it may be legit. I'd recommend contacting J.P. Morgan via another verifiable means to see if they know of this particular unit within the company.

 

[yoopermom]

I forgot all about this thread that I started until I got a similar letter two weeks ago from the same company, and a fellow DISser messaged me asking if I had any followup on it because she had gotten a similar letter.

At the original time, I didn't, because the contact I spoke with refused to proceed without either my social security number or an account number.

This time, however, I don't know if I got a kinder person, or what, but she simply asked me my name and when I told her that I couldn't believe that the letter had been forwarded since the address was so old, she asked me for my current address (and that was it). I told her I wasn't totally comfortable faxing or mailing the release letter in just in case it was fraudulent, and she said, "If you want I can just have them send you a check based on this phone conversation and address updating". I thought, "yeah right", but lo and behold a week later I had a check for the full amount! It deposited into my bank just fine, and I have found money for the first time in my life .

So, yes, it did work out, and a zombie thread can have a purpose after all .

Terri

 

[DebbieB]

About 10 years ago, my brother asked me if I knew my name was in a PA state database of unclaimed money. I looked at it and it was from my employer! Looking at the dates, I remembered that I had an issue with a paycheck while I was out on short term disability. My leave was initially disapproved, so I did not get paid. Then it was straightened out and my pay was direct deposited to my account. A couple weeks later, I got a paper check for the same amount! I returned it to my HR department, explaining what happened. I did get a letter from the state about it and it said that the money was sent to them because my company could not locate me. Uh, I worked for you today! I looked back on my paychecks and noticed the money was included in my year end pay & taxes on my W2.

I didn't pursue it because I figured once it was investigated, they would realize I wasn't entitled to it. Then I would have to deal with tax corrections. This stayed on the state database for years. Every once in awhile I would get a letter from someone offering to help me claim the money for a fee. So I decided what the heck, I'll look into it. I filled out the claim form and sent it to the state. I got a check for $1200! I figured my company turned the money over to the state and if it was unclaimed, eventually the state was going to keep it so I may as well have it. It was over 10 years later.

 

[Keli]

It's so funny that I'm reading this right now because right before I took this break I was working on unclaimed money for my employer. Basically I'm going through every check that wasn't cashed, making sure they weren't voided and not entered as voided in the ledger and then investigating it to make sure we still owe the money. If we do then I will send the person/organization we wrote the original check to a letter. They have 3 months to respond. If they do not then I will send the money to the state as unclaimed property. From that point on they will have to contact the state if they want the money.