Can I share my extreme frustration with Chase?
I tried to log into my account this morning and got a pop-up saying my account has been locked due to suspected fraudulent activity (could it be because I set up and paid my AmEx personal and biz plat cards last night?). I called to unlock and they asked for my business debit card number, which I gave them. Then they said they would send me a pin code via text; oops, the rep said she wasn't able to send a text to my phone (she didn't indicate why). She is now insisting that I visit a branch since I can't recall the pin code for my biz debit card (I don't even know if I set one up). I asked if we could use my personal debit card for verification, but she said it's not possible. She insisted that I go to a branch. I really hate when companies outsource their call centers (this CSR is located in India). She literally could not deviate from her limited script. I have now been on hold for over 15 minutes while I am transferred to a representative in the US to see if they can unlock my account.
Has anyone else had their accounts locked with a bank? I'm an outlier by age and I've never in my life had any of my accounts locked.
ETA: the CSR in the US was able to send me a text and verify my account (he has no idea why the CSR in the call center wasn't able to send me a text). He confirmed they locked my account because of the large payment to my AmEx biz plat. He asked me why I was paying such a large amount, to which I replied that I was paying my statement. He asked why my statement would be that much money. I told him I wasn't going to answer that question unless he gave me a valid reason why he needed to know, to which he replied "you are using our product to pay and we have a right to know". I told him that I disagreed with him, it's my money and no need for them to know how I'm spending it. He said they have every right to know when I'm using their product to pay (I don't agree with this -- if I was asking to borrow money, then yes they have a right to ask how how I'd be spending it, but not when it's my money!). He said if I didn't want to tell him why my bill was so high then I should use a third party to pay my statement. I am shocked that they think they have a right to question how I spend my money. At my outlier age, I don't feel the need to justify to anyone how I spend my money. Sheesh. I am seriously considering moving my accounts from Chase. He also said that the CSR in the outsourced call center shouldn't have been asking about my biz account since the issue was with my personal account. Rant over. Thanks for allowing me to vent!
) My main checking at PNC is attached to many things, like credit card automatic payment and investment accounts, so it would be a pain to switch, but if I got mad enough...
