Friday, August 21, 2009

Chase Bank Lies Again.

I spoke with customer service at Chase Bank today after receiving this email from their customer support department stating that my department would not reflect the changes I chose to decline.  I call to confirm this with their CS department and ask to talk to a supervisor.  I get Alicia Mistler.  I explain my situation about how the account was closed after opting out of the original TOS changes.  I am assured by Alicia that there is nothing that she can do.  She sent a letter and I am told it is my fault for not noticing.  I explain that I received an email from Theresa Robles stating that my terms would not reflect the changes I just declined.  Alicia tells me that she can't see that email on my account that it has not been scanned into the system yet.  She then goes on to tell me that the email is meaningless and that she is not changing the rate.  The email is below.  I have requested a copy of the letter they sent in January 2009, the original documentation that I opted out and a letter telling me they are declining the to honor the email that was sent by Theresa.  7 to 10 business days before I see that.  In the meantime, the emails I have received are documented on this site and  I will be scanning in the opt out agreement from 4 years ago to serve as proof.  What I could use is a good attorney who would take this on as pro-bono and any agency name that would look into these proceedings.  I never thought that once you opt out and agree to be locked into your original terms that you would ever need to opt out again, seems like a terrible business practice.  I will be writing officials here in the great state of NY and will be writing  officials in the state of DE where these companies set up shop due to flexible laws.

 

Date: 08-21-2009 11:42:57

From: Credit Card Support
Subject: Re: APR/Balance Transfer

Message: Dear CHALRES L RAYJR: This e-mail is to confirm that your account will not reflect the change(s) that you recently chose to decline. Your account will remain subject to your current terms, including, if applicable, penalty Annual Percentage Rates (APRs) and fees. Please refer to your Cardmember Agreement and subsequent change in terms notices, which may amend your Cardmember Agreement from time to time, for details of your current account terms. You should continue to make at least the minimum payment due or pay any amount up to your full account balance. Please make sure that your payments are received by the due date. Thank you, Theresa Robles Email Customer Service Representative 1-800-436-7927 Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates. ********************************************************** ********** DO YOU KNOW AT CHASE ONLINE YOU CAN .... - Gain instant access to view and download your credit card information. - See and pay your bill online - Transfer balances - Change your address and much more.... ********************************************************** ******* Original Message Follows: ------------------------ How many times do I have to opt out of a change in terms or service? My account was closed after the result of a terms of service change in APR WAY PRIOR to January 2009. This is the most riduclous thing I have heard. DO you regulary change terms of service on accounts that have already opted out of a change in service and closed the account as a result? I am appauled and more than fuming at this point. CAn you tell me where the change in the terms of service was sent in January because I did not receive it. I would have called on the spot noting that I had already opted out of previous changes in terms of service and closed the account to continue to pay the blanace under the original agreement. I am not appreciative of the business practices you are currently employing. I have archived this message and your response. Do you ahve any record in your database of the original opt out of terms and the subsequent account closure? IF I would like to contest my account and cease paying my bill until this rectified, can you please send me the proper steps to do so? I am sure they were sent at some point somehwere that I should be aware of... Thanks, Chuck Ray

1 comment:

alessandromachi said...

Hi, I am recommending a Chase Bank protest in which we send in our monthly credit card payments to the Chase Bank corporate office.

Learn more from my blog article http://daily-protest.blogspot.com/2009/08/chase-bank-protest-is-on-time-to-mail.html