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Chase is seriously #)$*($* with me!


tydaddy
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I got a CC from Chase a few months ago - specifically b/c received the 0% offer for 18 months. First payment was due last month at which time I attempted to set up online payment option. Could not get it to work so I called them and spent 25 minutes on the phone with a rep who helped me set it up. Now I have all my cc's set up online for payments and have NEVER had a problem. I always use my debit check card and have been paying online with it for years. Needless to say it asks me for my info and also the checking account routing # which I thought odd but I input all the info. It processed said account valid and then I proceeded to make the payment. Lo and behold I get a letter from them today stating that my payment from them had been returned based on the fact that my account was invalid. So I immediately called and asked what the problem was and they told me that I owed 2 months worth and was considered past due and that my 0% interest rate was no longer valid due to the terms of the card and me being late. I made the payment online on Oct. 25th and the letter they sent me was dated Oct. 30th (but I didn't get it until today). Needless to say - the $ was in my account when I checked with my bank and my bank stated that nothing had gone through from them in terms of a payment.

So I called Chase back to discuss and the CSR told me that what happened is I had input my Visa Check Card and not my Checking Account # and the system does NOT accept Visa Check Cards. I then asked why did it process my payment then if it did not accept a Visa Check Card? They said it happens often and that he would send me over to the Internet Dept and we could resolve it. I then get some chump in the Internet Dept who tells me that the system canNOT differentiate b/w a check card and checking account so sorry but the only thing they could do was remove the late fee but once the payment is processed and goes through the system and is returmed it is considered late. I ask him to transfer me to the Payment Department to resolve this issue and tell him that "if their system does NOT differentiate b/w the two why aren't the consumers notified of that when registering online?". Instead they wait a week to make sure you are really overdue and then stick you with a late pmt and hike up your interest rate and let you know that you are late. He said that there is nothing wrong with the system - they are working on fixing it so it can tell the difference but there is nothing that can be done and even if he transferred me he there is nothing anyone can do about my interest rate going up b/c I was late.

AHHHHH! At any rate - I hung up with the guy and told him thanks but obviously he is NOT the person who can help me and I would call back tomorrow.

Does anyone out there have a number or know the right Department I should be calling? Is it just me or is this TOTAL BS??? Someone please give me a # so I can call and get this thing straightened out tomorrow (or better yet give them a piece of my mind)! :evil:

Sorry for the long winded email but just wanted the story to be clear so everyone knows what I'm up against.

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Sadly, I have become convinced that these types of errors are deliberate attempts to increase revenues. In the last year I have seen no sign of goodwill when it comes to dealing with customers. I'd like to think that at some point these tactics will backfire on the credit industry. If they all stick together there pobably isn't any relief in sight.

Good Luck

Gettinout

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Beware. I've had a long drawn-out struggle with Chase, to the point of getting to an executive, because despite their promises, after you pay, they won't remove the fees. Even once I got the fees refunded, they wouldn't remove the ding on my credit file. I got it removed on all but one of the CRAs by disputing it several times.

In my case, I had just gotten a new card and they didn't send statements, so I missed my first payment. They said that this was a "known problem", but yet of course I had to escalate and file a BBB complaint before I would be considered for a refund because of their "policy".

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It's hard for me to sympathize with ya. You state that you do all your bill paying online and never had a problem until now. Yet you don't realize that by asking for a routing number and account number it's trying to get you setup for a checking account withdrawal, and has nothing to do with your debit card. This is basic online bill paying knowledge here.

Well you entered the correct routing number but entered an incorrect account number. How can you be pissed at Chase for this? You screwed up, not them. You can ask them nicely to understand and maybe they'll help you out but you cannot demand anything whatsover from them. It's up to you to make sure the payment gets made. Missing statements (anonymouse) and other lame excuses don't cut it.

I'd suggest you sign up for their email alerts. One of those alerts is sent when they don't receive payment by the due date.

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