CHASE BANK COMPLAINT- IDIOCRACY REVISITED

" WHEN A WAY TO SCREW UP CAN BE FOUND, THEY USE IT"

CHASE BANK COMPLAINT- IDIOCRACY REVISITED

		in General Published: Thursday, 11 September 08 - 02:22 AM (GMT) Last Updated: Thursday, 11 September 08 - 03:04 AM (GMT)

CHASE DEBIT CARD COMPLAINT
First, let's get the legal stuff out of the way. This is
NOT the website of Chase, J P Morgan Chase bank, credit card, or anything or anyone associated with them. I am a customer, a business customer, who is pissed off. No copyright infringement or trademark dilution exists, and since we know that truth is an affirmative defense to
any charge of libel or slander, and since I am going to
either give my opinion (which is self validating) or
factual information, then there is no libel or slander.
This is a cautionary blog.

OK, I am a business owner, and for three years, I have been a business customer with Chase, aka JP Morgan Chase. My wife and I have been good customers, and recently, we did some changes to our business account, which I understood was an "upgrade" (those movie fans may remember the character "Upgrayedd" from the movie Idiocracy. In this Mike Judge movie, Upgrayedd is a pimp, who spells his name with a "double D". Upgrayedd spells his name U-P-G-R-A-Y-E-D-D. The two D's are for a "double-dose of pimpin".   Actually, this allusion to Idiocracy seems quite apt the more I think of it, because, as I dealt with the employees of JP MORGAN CHASE, I kept feeling like I was in the movie Idiocracy, playing of course, the Luke Wilson character, who seems to be the only rational person in a world gone stupid.



In case you haven't seen the movie (to get the feel of dealing with Chase's credit card / debit card fraud department, you must see the movie), Wikipedia has a nice, brief description, which I quote under Fair Use protection.
 "Idiocracy is a 2006 American dark comedy directed by Mike Judge, and starring Luke Wilson and Maya Rudolph. The two main characters sign up for a military hibernation experiment that goes awry, and they awaken 500 years in the future. They discover that the world has devolved into a dystopia where marketing, commercialism, and cultural anti-intellectualism run rampant and dysgenic pressure has resulted in a uniformly stupid human society."

After dealing with two employees I shall call "Dumb and Dumber" in the fraud department, I too felt I had received a "double dose of pimpin", meaning, anything BUT fair, courteous, professional treatment.
 
 I have MANY domain names, and I renew them on an annual basis, but their renewal dates are staggered, meaning I might have one expire on one day, and another in a week. If you have twenty, thirty, or forty domain names doing that, at times it is hard to keep track. My ISP company is not in this country, they are located in another company, but I have dealt with them for years, and never had a problem renewing the domain fee with any other credit card company.
 
 I had a domain coming to expire on a weekend, and used my "CHASE VISA" card to try to renew it. This card, as explained by our "business banker" is able to be used as a debit or credit card, and since we get points every time we use it as credit, and we pay a fee and are trying to offset the card fee by getting these points, we (my wife and I) try to use the card as a credit card as often as possible.

After CHASE DECLINED to allow the twenty five dollar renewal fee, I spent about an hour online with one idiot after another , going through one robot voiced branching phone tree after another, and at the end of the line, was the culprit, the FRAUD department, that apparently, had declined my card because the company was out of the country. I have ALWAYS had fraud departments for cards call me when there was a question about a charge. These morons at Chase, never called. Finally, after, I guess, paying my dues on the phone, and going to extraordinary lengths to prove who I was to these assholes (yes, and by now, I mean that word), "JIM", said it would be authorized, and it took until the next to get the charge to go through. I indicated to "JIM" that I have many domains with this company, the renewal fee is always the same, and I don't have an hour out of my practice to WASTE talking to the fraud department. He used reassuring language that the problem would be solved.
 
 Well, I had another domain that had expired, tried to renew...and you guessed it, no go. I had to call the center of Modern Idiocracy, CHASE BANK and go through the phone tree hokey pokey, and at one point, I was about to give some female dog my Tax ID number that she demanded, and she hung up on me. I called back, starting at square one. Finally, I got an idiot in the bumbling FRAUD DEPARTMENT named St_____ (I will just say his name started with S and t) and he became a total asshole on the phone, so much so, that I had to talk to a supervisor or upper management.
 

Before I talked to him though, I confirmed with "S" that it is the pattern and practice of Chase, in the fraud department, as with other bank cards, to call the customer and confirm that this charge should be denied or approved. They didn't try that the first time, didn't try it the second time, and NOW, after talking with my Chase bank manager and our "business manager", using my WIFE's card, again, the bank refused on my THIRD domain, to allow the 25 dollar charge to go through, and until it goes through, my page is blank because the domain expired.

I was TOLD today, that, pursuant to my request that the phone tape of my conversation with "S", be pulled and audited by the Quality Assurance division, that it was indeed pulled, a determination was made that "S" acted completely inappropriately, and that the tape would be used as a training lesson at Chase customer service, of how NOT to handle a call.

 

This is what it is like to be dealing with the FRAUD DEPARTMENT - CLICK HERE

But, as with "CARL Junior and his BIG ASS FRIES" in Idiocracy, apparently they learned NOTHING from this. My third domain renewal request was declined.

--------------------------WARNING-----------------------------

Unless you want nothing but aggravation and frustration, and getting pissed off constantly, and want to spend HOURS on the phone with a cast of rude idiots that just as well seem to be like they stepped straight out of the movie IDIOCRACY, I would NOT advocate banking with CHASE, J P Morgan Chase, Bank One, or anyone associated with this bunch. They have caused me to waste my time, I've lost time from work, and thus sustained damages, and their rude, inept, and idiotic incompetence is beyond contempt. UNLESS YOU WANT TO GO INTO THE SEVENTH LEVEL OF HELL, AVOID CHASE BANK, CHASE DEBIT CARDS, CHASE CREDIT CARDS, ETC.

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