Hi Everyone,
Background (yesterday): I live in a 3 bedroom 2 bathroom appartment in NYC. Ive been here for 9 months now, and didnt know my roommates until I lived here. Fastforward to yesterday morning, Roommate 1 tells us that hes missing 200$ from his drawer. So I tell them we have to sit down at night and figure this out because there might be a chance someone is entering our appt. We sit at night then he states that its actually not only that cash and that also his cards have also been used on squarecash/venmo/uber etc. He cancelled his credit card several times but it continued to happen. At this point I knew it had to be someone in the appt. Lucikly too. he had a video of him receiving the mail and it showed it was already opened and re-sealed. So we figure the easiest way to figure out who is responsible for this is to go through our uber history. We do that and find out it was actually Roommate 2. Took us 3 hours to get him to confess and he starts crying etc (we have a recording of him confessing, voice only). At this point I was just a spectator watching them argue. Me and Roomate 1 decide its not safe to stay with him and decide to call the police. They come and offer us to either arrest him and he would be back in the morning until the court time or talk nicely to him and get him to leave the appt for a whole week during which we will talk to the landowner and get him to remove him from the lease. All the money he stole from Roommate 1 was through his CC so he wasnt worried about him paying it back as he would easily file fraud etc and get it back.
Today: I am at work and for some reason I go to see my bank account (debit not credit). I find 4500$ transactions made to squarecash (similar to venmo/paypal) that arent made by me. I dont even have a squarecash account. I usually check my account frequently but the last month I was so busy with work and life that I didnt. The transactions he made started 2 weeks ago from today. I directly went to the bank and informed them then went directly to the police station and filed a police report. I also texted him and he actually confessed and sent me screenshots from his phone showing the transactions with the price and it being withdrawn from Chase Bank. He told me he got my debit card info by going into my room and taking a picture of the card when I was in the shower..Through imessages he also confessed to me how much he took exactly and he stated that hes gunna repay me. Keep in mind hes been unemployed for the past 5 months, has no savings and no credit score. He is also banned from all banks in the US because he used to scam with checks or something. So basically, the chance of him paying me back is 0.01%. Asked him how much he can pay me right now and he said 200$.
My question is: what are my chances that I get my money from Chase? The detective for my police report case told me I have more than enough evidence that he used my card and the exact amount he stole from me. Is it because he used my debit card and not credit card that I have no chance to get my money back? When I went to the bank they told me they'll contact me when they have questions but I really cant sleep as im so worried i'll loose this money. They didnt say anything that its debit and not credit so u lost your money, I actually just read it online.
TLDR: Roommate stole debit card information while I was in the shower and used it to withdraw 4500$ using squarecash. He admitted with all details on imessage. He also stole from my other roommate. I went to the bank already and filed a police report. What are the chances that my fraud transaction dispute gets accepted?
DEBIT CARD NOT CREDIT
Please advise on what to do please.
Submitted September 29, 2018 at 12:40PM by Nooblesss https://ift.tt/2OoSRKT
