Archives for March 2012

Complaining isn’t really fun. I don’t like hearing it, and I am sure my husband and others don’t either. I am stating this first because I am about to, well, complain. Sorry in advance…. this is going to be long.

It’s not even really complaining, it is basically just telling you how much I hate CHASE bank right now. Just think of it that way. See, I am really pretty anal and I know that. I like things a certain way, and take pride in making sure that I am not behind on anything, or past due. I have my own business account and bank account that I keep a little money in and I like it. WELLLLL not anymore!

This weekend we got home from spring break after being gone for 10 days. The stack of mail was HUGE. I started going through it right away to make sure I didn’t miss anything. I came across what looked like a regular statement from CHASE and opened it up. They were informing me that they had CANCELLED my business account for violating their terms and service. I was thinking it had to be a mistake as I really don’t use that account, it is more my savings. I grabbed a phone and called them.

A woman answered after being on hold for 5 minutes and as soon as I gave her my account number, I was cut off.

O.K., I redialed. After being on hold for another 7-8 minutes, a man answered and we went through the 4 minutes of questions to confirm it was me. Except that I couldn’t remember the last transaction I had made on the card. I don’t use that card. He informed me that he had to ask security questions. Fine. Then he asked 4 of the craziest questions going back to my high school. I answer correctly and he puts me on hold to find out why my account was cancelled.

We then got disconnected. ARE YOU KIDDING ME?

I call back again. Go through the same thing. Answer 4 more very personal questions that I can not imagine how they possibly got the information. He puts me on hold to find out why my account is closed. After waiting for 5 minutes he gets back on the phone. AND THE LINE GOES DEAD! I am starting to lose it.

I finally call back for the 4th time. Go through the entire thing again. This has been 42 minutes at this point. The lady this time starts asking me the questions. They are multiple choice.

“Tell me which property ____ Ivanovsky owned” then she names off 4 address on the west coast.

I say to her, “I have no idea who you are talking about.”

“You can’t answer the question?” she says.

“No, that is my last name, but I have no idea who that person is. How can I answer the question?” I reply.

“If you can’t answer the question, we can’t help you. I will ask you 1 more and that is your last chance” she says. “Which vehicle did your husband own? A. Pontiac 6000 LE B. Ford Explorer SE C. Chevy GMC Truck or D. Pontiac 1000 SE ?”

“Well, at one point he owned a Pontiac, but it was a really long time ago, I have no idea if it was a 6000 or a 1000.” I tell her. “Are these for real questions? It was a Pontiac, other than that I have no idea that model!”

“You have to answer or you will compromise your account.” She states.

“Paul!” I yell, “Did you own a Pontiac 6000 or a 1000?” From the other room he yells back “6000”

“It was a 6000” I tell her.

“Did someone else answer that? I heard someone else tell you the answer.”

“Yes my husband did, because it was HIS car and I never even drove it.” I say.

“You can bring 2 forms of ID into your local branch tomorrow and they will help you, you have compromised your account and I can’t talk to you.” She then hangs up.

I am livid!!! They have had me on the phone close to an HOUR, hung up on me 4 times at this point and no one has told me a single thing. 

Monday morning bright and early I walk into my local branch office. I go to the office of the guy who opened my account. I tell him what has happened the day before and show him the letter that I got and asked him what was going on. He pulls up my account and it says restricted, and that he had to call in. He calls and they are giving him the same run around they gave me. When he finally has the chance to ask them about my account, they tell him….

“We really have no information. It looks like a computer program that scans accounts reported that hers looks like it violates our terms and conditions. She has an online business ( MyLitter blog) and it is an online GAMBLING site. We have to close her account.”

“WHAT??!!!! Are you kidding me?” I yell.

He is still on the phone with them and says he doesn’t agree and they completely shut him down and tell him they can not reverse it and that my account is closed.

I am furious! There is no real person that actually bothered to take a look at my site, but instead let a computer program make a decision and close an account. There is not anyone that has any common sense that can make any decisions. Then there was a hold on the account and I could not walk out with a check.

At this point I am so mad, I start crying. Which then makes me more mad. I am in this poor guys office, crying, telling him how badly they treated me on the phone the day before, how I have NOT done ANYTHING wrong and  now they wont give me my money!!!! It might have been the tears, but with another phone call and a few more managers they get me my funds released and I walked out with a closed account.

I am sorry this is so long. BUT – I hate the fact that businesses are so big, that no one person matters. I have never had an account closed before. I only used it as my savings and had a debit card associated with it. The letter I got says they are reporting it to the credit bureau, which I can’t possible believe they can. Although, I am sure they will. Which is another fight that I will have to have as I did nothing wrong. NOT A SINGLE REAL PERSON typed in www.mylitter.com to see what it was. I am sure you can all vouch for me that it is not an online gambling site! 🙂 CHASE doesn’t care. They apparently let a computer decide what they do to real people. Thankfully, we have the option to bank somewhere else and will, and make sure that our children do also and should anyone else ever mention that they are looking I will tell them to RUN RUN RUN from CHASE bank they are HORRIBLE.

Thanks for the chance to vent! Over and OUT! 

P.S. The person they were asking me for the property info on? Paul and I did some genealogy… it was his great, great, grandpa. Apparently at Chase you are expected to know the properties of your spouses great, great grandparents, or you are compromising your account.