So Annoyed at Chase Right Now

[disneyfav4ever]

I was shopping today. At the checkout they had to call my credit card company because it was a $1,000 purchase, and they had call them since I almost never make large purchases with that card.

When I talked to the lady at the credit card company, she said I should've recieved a new card by now, since the one I was using was going to expire at the end of next month. This was after I confirmed that it was in fact me using the card to make my purchase.

She asked me if I had recieved the new card, it had been sent to me at the end of September. It may have come in the mail, but I had been in Florida right after they sent the card, and my mail doesn't even come to my apartment, it goes to my parent's house, so stuff easily gets misplaced, especially considering I didn't collect my mail for over a week.

She ended up closing my account, even though I never had any problems with the card. But she approved the $1,000 purchase.

Seriously. You close the account "just in case" it was stolen, which annoys me. But you approve a $1,000 purchase? Where is the logic in that?

If she had just closed the account I would've just been annoyed, but I don't understand where the logic is of closing an account, but approving a $1,000 purchase, after you go to all the trouble of closing the account because it "might be stolen."

That makes absolutly no sense to me.

 

[disneyhand]

Since that makes no sense, I'm not surprised, does that make sense?
The more I read here on the dis about Chase's current version of customer service, the more I"m determined that we won't ever use our zero balance card with them again. The rewards aren't worth it! Of course they won't care.....

 

[MrsJackSparrow4Life]

Did they actually close the account or did they just deactivate the cards?

 

[disneyfav4ever]

Did they actually close the account or did they just deactivate the cards?

The employee I was speaking to kept on saying she was closing the account, but I think she meant I was just going to be getting a new card.

 

[Pakey]

I this is standard practice when cards that are mailed are not received or activated within a certain timeframe. It happened to me on my citibank account not too long ago. We were given a new account number and new cards were mailed.

 

[luvmy3]

It makes perfect sense to me

 

[disneyfav4ever]

I this is standard practice when cards that are mailed are not received or activated within a certain timeframe. It happened to me on my citibank account not too long ago. We were given a new account number and new cards were mailed.

That's not what I'm annoyed about. What I'm annoyed about is that she went to all the trouble of closing the account, but approved the $1,000 charge.

But why do that, and then approve a very large amount? It makes no sense, and seems completely unlogical.

 

[disneyfav4ever]

I just hate when people make a big deal about stuff, but then allow it anyway. Seems to make everything completely pointless.

The same thing happened at MCO when I was flying home. I had bought a bottle of lotion in Disney that was half an ounce over the allowed size.

I'm usually very careful of the sizes of stuff I keep in my carry-on, and make sure everything's "legal." But I had bought this there, didn't think to check the size, was in a hurry that morning since I had waited until the last minute to pack, and just threw it in the ziploc baggie with all my other toiletries.

Anyway, at the airport, the security guy pulled it out, and really belittled me, with "what size is allowed?" and then when I looked at it, and saw it was in fact .5 ounces over the 3 ounce limit.

I said sorry I hadn't noticed, and fully expected him to just toss it, but instead he put it back in the bag.

If it was such a big deal to be so rude to me, and make such a huge deal over, why give it back instead of just tossing it?

 

[disneyfav4ever]

And something else I thought of; today was the first time in awhile that I got asked for ID with my credit card. My cards almost all say "See ID" on the back of them instead of being signed, and I almost never get checked.

I've also had people thank me at the store I work at for carding them since they also have "Check ID" on the back of theirs too, since almost no one ever does, and they appreciate someone taking the time to actually check.

 

[HERSEY]

I am sorry I would be annoyed at the inconvience but not because the credit card company was trying to avoid a possible fraud.

 

[DebbieB]

That's not what I'm annoyed about. What I'm annoyed about is that she went to all the trouble of closing the account, but approved the $1,000 charge.

But why do that, and then approve a very large amount? It makes no sense, and seems completely unlogical.

So you would have preferred they denied your purchase?

 

[sasmmb]

Well, to me it does make sense. a) you had a large and unusual purchase that had to be verified. 2) You called Chase, they verified indeed that you were you and approved the purchase. Tres) While on the phone they noticed the card they sent you recently had not been activated and was therefore subject to misuse, so they closed the account.

Now given your mailing situation, it's possible you could have told the customer service person "no, no, no. Keep the account open until I check my mail "( after of course confirming no fraudulent charges have actually hit your account). I've often had Chase call me on a suspect charge or 2 and everytime I tell them do NOT close the account until I check it out (I forget what I charge where sometimes). About 1/2 the time it really is my charge that just got flagged, and about 1/2 the time it is someone who managed to get my CC # and we close the account then. At which point I'm grateful to Chase for flagging things so early. Last month they caught a $1.49 charge for iTunes that wasn't mine. I find that impressive and am willing to put up with the occasional flagging of my own charges. But remember that YOU are in control of you account and when it gets closed.

 

[MIGrandma]

Makes a lot of sense to me. The CC customer service person obviously asked you the right questions so she knew that you were you, thus she approved the purchase.

But, if you don't have your new card, and you don't have any idea where it is anyone could use it if it got into the wrong hands. She was actually doing you two favors.

1. Allowing you to still make the purchase

2. Protecting you against someone else using your card

I really don't see why you would be upset.

 

[crashbb]

And something else I thought of; today was the first time in awhile that I got asked for ID with my credit card. My cards almost all say "See ID" on the back of them instead of being signed, and I almost never get checked.

I've also had people thank me at the store I work at for carding them since they also have "Check ID" on the back of theirs too, since almost no one ever does, and they appreciate someone taking the time to actually check.

If your card says "Check ID" it isn't actually valid. According to the credit card companies we are to deny (and confiscate) any cards we see done this way.

 

[RitaE]

DO NOT put check id on the back of your cards. Fake IDs are a dime a dozen but your signature is unique to you.

Credit Card companies themselves are the ones who are responsible for fraudulent charges, not users. There is a reason every single credit card ever issued has a box that says "Sign Your Card Here." It is because they want you to SIGN YOUR CARD.

As for the card canceled and new card issued, they sent the card in September and it will be November tomorrow. It has been a month and you do not know the location of a card that when activated --- they will be responsible for any fraudulent activity on. What exactly do you expect them to do?

 

[allison443]

I could understand being annoyed if they didn't let your purchase go through. But they allowed the purchase and they're sending you a new card.....what's to be annoyed about??

 

[Planogirl]

She obviously verified it was you and therefore approved the purchase. But of course, your account would be closed since you never received the new card. I don't see any reason to be annoyed....

 

[bumbershoot]

Anyway, at the airport, the security guy pulled it out, and really belittled me, with "what size is allowed?" and then when I looked at it, and saw it was in fact .5 ounces over the 3 ounce limit.

Worse, the actual limit is 3.4 oz (100 ml), so he was doing that over one ounce.

So you would have preferred they denied your purchase?

I do believe the OP would have preferred that.

Honestly, if someone got into your mail, couldn't they have access to enough info to be able to answer the questions? So the OP could have been just about anyone on the phone.

I too would have preferred they denied it.

 

[snowy76]

I have to say we were very pleased with Chase's handling of our card a few months ago... someone charged just a dollar to our card from somewhere in NYC... we live 4-5 hours north of there. At the same time, DH was in Nevada on business. Chase noticed the charges from opposite ends of the country and it tipped them off.

Turns out it's common practice for ID thieves to "test" the card number with a tiny dollar amount most people might miss even if they're keeping tabs on their balance. Once they know they have a legit card number they start charging for real. We got our new cards within a few days... they even sent us a new rewards card automatically (this was our Disney Visa) in case the thieves had hacked our entire account and not just randomly accessed our number.

OP, sorry the experience annoyed you (I felt the same way at first) but then after some thought I realized how glad I was that someone was noticing these things.

 

[GJM]

Honestly, if someone got into your mail, couldn't they have access to enough info to be able to answer the questions? So the OP could have been just about anyone on the phone.

Some of the questions I have been asked, nobody would know the answer except maybe DH - I remember one question was "When was your last car loan" - I had to really think on the answers to the questions.

I can understand them approving the transacaton, as others have said you must have verified the answers to the questions. I would be glad if they closed the account if I didn't get my new card.