An Open Letter to Chase Bank, Bank of America and All American Financial Institutions



by Qiu Min Ji (Rebecca)

April 11, 2013

Dear Bank of America online Customer Service Team,

Dear Chase Bank online Customer Service, and Fraud department,

Thank you very much for contacting me regarding suspicious online activity at my accounts. I appreciate you having contacted me by mail, otherwise I would never have known of this criminal activity. I can assure you that I have never used the online banking feature before, and do not intend to in the future. The reason being that I have been fighting the cyber terrorist spy from China, Yuan Sun, who has stolen my identity and has been stealing money from my online accounts, including credit cards and investment funds. That online banking account was not opened by me, and whoever opened it by using my name has given your bank a fake email address, so that email has never gotten through. Also, just a few days ago, I received a phone call from Bank of America asking me if I had purchased about $500 in products from GMC. I told the Customer Service representative over the phone that I had never even received my B of A credit card in the first place, therefore making it impossible for me to have used it or even know the card number. I wondered who had used it, and told them to cancel that card.

Due to the high traffic of criminal activities on my bank and credit card accounts, I have had to closely monitor my checking account, and cancel my 3 credit cards in just a few months time. Here are more examples of recent financial criminal activities against me that I have discovered:

1. A purchase of over $6000 in auto parts attributed to my credit card. November 2012, my assistant received a call from a company asking where they should ship the purchased products. My assistant was puzzled and asked exactly what had been purchased, and was told that it was auto parts. My assistant then told the woman down the phone that we have never ordered any auto parts since I do not even own a car. We all felt lucky that the credit card had not been charged, and that my Chase bank manger advised I should cancel that card.

2. December 2012 I went to my Chase bank manager to check my account activities, because I felt my account number was not right and I needed to find out if there had been any criminal activities. Both the manager and I noticed that there had been three withdrawals of $5,000 each. I had paid a private investigator a $5000 fee by check, but that transaction somehow had been posted to my account as 3 separate checks rather than one, each in the amount of $5000 and cashed by my private investigator's company. I had to file a police report, as well as open an investigation with Chase.

3. February 2013, as Chase was still in investigation mode, my bank manager and I discovered that there had been another $5000 withdrawn through forged checks from the same account that definitely were not there before, since we checked up and down previously and saw only the original two. These forged checks were dated Sept. 27, 2012, but their posted dates were mysteriously not until Nov.2012. But we absolutely did not see these two extra forged checks. Now the total amount of my losses was at $20,000. Chase bank believes that my private investigator took the money, and told me to retrieve it by filing criminal charges against him. Even though I believe in my heart he is not the person who took the money, I wrote a letter anyway at my bank's request, and demanded that he return my $20,000, otherwise I would be forced to file criminal charges. He then conveyed a message that he had indeed seen a spike at his account one time, but then magically the money was gone just as mysteriously as it had appeared. His secretary told him that she never received any additional checks from me and never went to bank to cash them, and he also said that he, too, had filed a letter to his bank telling them about this criminal activity.

After I shared this with my Chase bank manager, he told me that he wanted to talk with Mark, my private investigator, so that my money could be returned back to me. I gave each one's contact number to the other, but after two to three weeks my bank manger was still never able to locate him and his phone seemed to have been disconnected. I could not believe this, and had my friend's friend check on him and why he hadn't returned any calls. My friend then told me that his friend had met Mark's wife, who claimed that he, unfortunately, was now paralyzed, in hospital, couldn't work and also could not talk to answer any further questions about the missing monies and how he came to be in possession of it. And, his phone was indeed disconnected. Finally, after 4th months of running in circles and Chase still not crediting my account with the lost $20,000, I eventually had to cancel the account when we found even more fraudulent withdrawals.

4. Fraud on my credit card: glancing at my credit card statement, I noticed a lot of fraudulent activities. For example: Jan 2nd and 3rd, I know I was in hospital, and did not live in any hotels. But, my credit card statement showed two hotel charges on those exact two nights. Another example: December 19, the statement showed that I had simultaneously stayed in both the Hampton Inn and California Hospitality Hotels. Now, advances in science aside, it should obviously go without saying that it is a physical impossibility for any human being to separate from oneself and be in two different places at the same time.

5. I received two emails on April 8th from Chase: one asked me to verify a $200 transaction from a discount department store in MN, and other was regarding "your request to change your e-mail address, based upon the information you supplied." I appreciate these e-mails because I was able to have my Chase account manager call their credit card fraud dep't and talk with them straight away. We were told that my e-mail address had apparently been changed to: rolypolymoly@mail.com, but I never requested any email changes. I also told them I had not spent $200 dollars in MN, and was asked to verify again if I had spent money on a desk for $89 at Target. I told the credit card department that I hadn't even used my credit card for at least 4 days.

6. More financial nightmares, as my entire brokerage account was wiped-out. My financial nightmare goes beyond Chase bank. This time it was even worse then the fraudulent checks. I had opened a brokerage account with Scottrade in the summer of 2010 for about $30, 000 in tiny stocks at their Arlington Heights, IL office. But, soon, I moved to Michigan and, eventually to Los Angeles, but did not change my Illinois home address. I bought many tiny stocks, but did not call to check on them, hoping they can grow bigger in a few years time. But since I had my checking account problems, I felt I needed to know what's going on with my Scottrade account. By mid-March I stopped by a Scottrade office and was told by an officer that they could not locate any of my files. Even after giving them my ID and S.S numbers, they still could not find any records! Since I have moved many times, I may have lost certain records that I would never have thought would prove so critical to me. But I know that the only person who can do this is the spy. He can get into any computer and erase records, including going to Scottrade's system to erase all my records make me never able to prove he'd stolen it and look I never even had money in an account in the first place.

7. My canceled credit card had everything up-to-date and paid down to zero, but appeared with a balance of over $1000. My closed Chase credit card account was still open for fraudulent criminal activities. It did not show what or which items I have supposedly spent money on, and instead only showed a previous balance of over $1000 . When I closed that credit card account, I had paid everything down to 0, not just the monthly charges. Just as the fraudulent checks can be posted at anytime, my credit card, even after being closed at Chase bank, was somehow still open to the criminal spy. Below is my analysis of why:

While many people may feel this is a mystery, I know exactly what has been happening. I saw that the spy is in Chase's system trying to hide his control to make Chase bank have many "Errors on page" online. He has duplicated both Chase bank and Bank of America and can be in any of my accounts anytime he wants. Even though Chase bank may see their whole system as normal, he can change my records and post forged checks at any date he chooses, and he has the advanced technology to make letter-perfect images to fake my checks.That is why banks keep having fraudulent activities, but they can not see anyone breaking into their systems, nor any break-in point through their websites, nor does he leave any mark of intrusion. This is the "Advanced system intrusion"! Even I have not been able to see the spy's control privacy report, since he was manually holding onto it when I was checking at Chase bank. I know Chase bank or Bank of America, all have a duplicated website by the spy, with the same additional cyber back door that he uses at AT&T, Microsoft, Google, Yahoo!, White House and Department of Defense websites. Many American companies have the exact same cyber address: http%3A%2F%2f or http%3A//, the same cyber back door that allows the spy to have complete access. I would be happy for the opportunity to explain further my findings and prove them by many photo-documented materials.

Banks should be on high alert and advise their customers to monitor their accounts carefully and hold their purses tight.

"The Truth Must Be Revealed!
The Spy Must Be Stopped!"