Chase (bank) customer service huge mess

[mavjop]

I should begin this by saying that in the past I have had an overwhelmingly positive experience with Chase credit card services and checking/deposit accounts, so this experience is in stark contrast to my expectations...I called with odd issue with my Chase on-line account (related to adding an extant but not yet listed card to it) to Chase

Comments

[surpheon]

Credit. Union. You can't pay me to use a private bank anymore (and they do try, with that great CD deal - that then turns to a fee ridden nightmare to close after 12 months, or $20 off my next purchase, or...).

[urox]

Fee ridden nightmare?

[mavjop]

What Lori said. Fee-ridden nightmare? I don't believe there's any fee to close accounts. Is that even legal?

[surpheon]

A fee was being applied to the CD renewal because I didn't have a checking account (which would have a minimum balance requirement, which with the crap interest offered in checking is the same as a fee, and I would need a savings account that would have an annual fee if the balance dropped...). And it took a good hour of time actually in the bank to manage to close out the CD when it's period was up. It was not worth the extra $30 or so in interest their great teaser rate was worth

[athelind]

Stop messing around with web sites and phone lines. Go directly to a Chase branch, and demand that real human beings fix everything while you are there. Or just pull out every penny and put it in a credit union, like Surpheon said.

[mavjop]

There's no way people in a branch are going to have any clue about fixing this. They may have some clue about fixing *financial* account issues, but the only way to get an web site/on-line account problem fixed, beyond simple every-day issues, is to escalate, escalate, escalate. So, no thanks to going to a branch. That would be useless. I've already got the direct phone number of the Internet department's supervisor's manager.

As for giving up and switching everything over to a credit union, we do keep most of our money in credit unions. That's not an issue. I am not, however, going to life incredibly difficult by going through a pointless refi that makes me poorer or get rid credit cards that save me money by giving me money back when I buy things I would have bought anyway (no credit union we use has good credit card rewards programmes).