I’m having a rash of bad luck with credit card companies lately. Apparently being a good customer, paying on time and not keeping a balance (at least for very long) is a terrible thing. First, my Best Buy MasterCard decided that I should be paying a $40 annual fee. Nevermind that by having a Best Buy card it actually encourages me to focus my purchases there. No, no, not good enough, please cough up 40 bucks. I cancelled the card and told them to bite me.
I was home last week for the Christmas holiday and my trip went like this: flew into Baltimore, road Amtrak to Union Station, road Metro to West Falls Church, drove to North Carolina, drove back from North Carolina, drove to New Jersey, drove back from New Jersey, flew out of Baltimore. During this time I used my Amazon Chase card. I had forgot my Discover card at home and I like racking up rewards. Apparently all my traveling (during the Holidays) caused concern for Chase. Now I work in e-commerce, I understand fraud and risk, I truly do; most card companies will call you and say, “we are seeing suspicious activity on your account, are you currently in xyz place?” Or they put two and two together and figure it’s holiday travel. The account will get a higher flag on it but it won’t be closed unless the suspicious pattern continues past a certain point. Chase did not do this. Chase cancelled my account with notification. No phone call, no e-mail, not even a letter (when I called they admitted they were not even getting ready to mail something). This card I use for auto-pay purposes, it’s easier and again racking up those points. I pay it at months end and get Amazon Gift Certificates. Sweet! But, because my card was cancelled, my auto pay accounts failed and I got hit with return fees. This is how I found out my account was closed. Now a happy Christmas present for me. I call up Chase and I was civil but annoyed. They told me the account was closed for suspected fraud. Why did you do that without telling me? No answer. Why is travelling suspicious, am I a high risk customer? No answer. Then I explained to them what their actions did and about the return fees. Do they offer to refund the return fees? Do they have an explanation for the lack of notification? No. Their only response is, “we’re sorry for the inconvenience this caused.” W.T.F.? This is how you treat a customer?
I had to call in again today because I cannot see my account online still after being re-opened which apparently it can take a few weeks oh and for fun my address reverted back to my old address. I discovered this when the IVR would not let me in with my zip code. Their response, “we don’t know how that happened. We’re sorry for the inconvenience this caused.”
Apparently Chase is ran out of a Canadian basement trapped in time of the 1890’s. They do not have access to things such as telephones or emails and all tasks are scratched on construction paper by monkeys. Their web team is composed of defunk retards that use to be on Angelfire. I guess they have a telegram device into the future that allows them some communication but nothing of any real value. I hate them. The card will be cancelled once I move all my billpays.
Happy 2010.