While Christmas shopping for his young daughter, he received a call from a person claiming to be from the Chase fraud department and asking to verify a suspicious transaction. Unfortunately, for victim of these schemes, the bank isn't always required to repay the stolen funds. CNBC has reviewed Mullenaux's cellular records, bank account information, as well as images of the text message and link he was sent. He immediately drove to his local Chase bank branch where he was told he had likely been the victim of fraud. Legally, banks do not have to reimburse stolen funds when a customer is tricked into sending money to a cybercriminal.

---