新闻来源：www.cnn.com
原文地址：Viral videos of people stealing money from Chase ATMs were just plain check fraud
新闻日期：2024-09-03
CNN报道：在过去的周末，TikTok上出现了几段视频，展示人们在Chase自动取款机上投入巨额支票并随后提取少量资金，这让一些人误以为找到了一个bug或得到了“免费”现金。然而，银行表示这只是常见的支票诈骗，并不是什么系统问题。
Chase方面表示，这些事件已经得到处理，并提醒人们不要再尝试这种方法。JPMorgan公司的负责人透露，他们正在仔细审查这一情况，一名知情人士对CNN说，银行仍在确定涉及的客户数量和金额。Chase方面没有回应监管部门是否在调查中。Federal Reserve和Office of the Comptroller of Currency均未置评。
这种事件能够发生是因为一种银行业标准允许存款人先获取支票部分资金，但若支票被退回，则需扣除这部分款项。Chase的发言人表示，这纯粹是欺诈行为，毫无悬念。
金融教育专家Jim Wang说：“银行错误通常不会对你有利。这是一种简单的诈骗，不必多做纠缠，及时通知银行就好。”
原文摘要：
A number of viral TikTok videos had some people believing they could get “free” cash from Chase ATMs. But it was just a glitch – and those customers were actually committing fraud, according to the bank. Over the weekend, videos appeared on the app showing people depositing checks for large sums of money at Chase ATMs and then making a withdrawal for a smaller yet substantial amount, leading them to believe they had discovered a bug and were hitting the jackpot. The problem is that this is just a form of check fraud, a criminal offense. Chase said in a statement to CNN that the issue has “been addressed” and warned people not to try it. JPMorgan, the bank’s parent company, is carefully reviewing the situation, a person familiar with the matter told CNN. The bank is still determining how many Chase customers and how much money was involved in the incident, the source said. Chase representatives would not comment on whether regulators are investigating. The Federal Reserve declined to comment, and a spokesperson for the Office of the Comptroller of the Currency said the agency does not comment on specific banks or supervisory activities. The ruse centers on a banking standard that enables check depositors to have access to a portion of their money before the full total of the check clears. In the case of the viral videos, participants wrote checks for obscene amounts of money and then withdrew as much as they could before the check could bounce. “Regardless of what you see online, depositing a fraudulent check and withdrawing the funds from your account is fraud, plain and simple,” a Chase spokesperson said. One video shows participants throwing dollar bills in the air with glee, while other posts showed negative balances in their Chase accounts after trying the “hack.” But that was the bank putting holds on their accounts or deducting the stolen cash from their accounts, according to Jim Wang, a financial educator. “The people that were doing this were seeing big holes in their accounts or huge negative balances,” Wang said on Instagram. “Bank errors in your favor are almost never in your favor. In the case of this ‘glitch,’ it was just check fraud.” His advice? “It’s not your money, and when they figure it out, they will want it back. Do not spend it, do not move it, just leave it alone and tell the bank,” Wang said. –CNN’s Matt Egan contributed to this report
