Chase's Fraud Dept is tedious!!

[tntexans72]

I have experienced this multiple times with Chase/Barclaycard. You called in and off the bat they treat you like a criminal. Amex and Cap1 (Venture) no problems with their transactions usage. Loved them! 

[willwar14]

**bleep**!!! Barclay's security dept is the rudest people ive ever seen, both my parents have delt with them and nothing but complaints, docs can only be mailed, ok, but they take 1 F-ing month to process the docs and the reps are super rude.

[TekkenQQ7]

Still waiting for mine to arrive I was approved 10/14 

[Open123]

From a Consumer's perspective, fraud alerts are totally a waste of time.  Immeidately using another card when one is declined--for whatever reason--is standard practice for me. And, for the declined card, unless it's Amex, Chase, or a card where I have a spending bonus to meet, I won't even bother calling in to resolve it, ever.  It'll just go unused in perpetuity.

It still surprises me how it isn't abundantly clear to everyone that these fraud alerts exist to protect the Issuer, and not the consumer.  

[willwar14]

These aren't locks to verify transactions, but to verify someones ID, 4 times of answering the same questions seems kinda of pointless.

[NRB525]

I can't recall ever running into this, having a fraud / verification department want me to vouch for who I am.

Maybe my file is very simple, I have no name changes, limited address movement, a boring file.

OP, (and other posters with similar stories) it seems like there is more to this story. More in the file that is complicating things. And if that is the case, then it's not the bank's fault for wanting to verify information. Maybe they can't square the different bits of information they are getting, I don't know, I don't have the answer, but it seems like something that should be handled face to face, in a branch, with someone who can get it sorted. And hopefully sorted permanently.

[Anonymous]

This happened to me... repeatedly...

They told me to sign up for text alerts and it's helped a lot. If a transactioned is initially frauded, they text me and ask if it was me. If I reply "Y" or "yes" then the merchant can run the transaction again immediately and it works just fine.

I recommend signing up for text alerts.

[ForumPheen]

'Tis tedious. Had a run in with JP Morgan once regarding such, and the process wouldve taken so long to resolve that I had to call back some time later to cancel my dispute. It was a transaction dispute, not fraud related but on mere principle.

[Imperfectfuture]

Chase only, swiped my card at convenience store, apparently had trouble with their processor later on. They text me, email also. I call, they asked if I authorized the charge. I pointed out this was a repeat merchant on both my Chase cards, yes it's authorized. They ask more security questions at Barclays for balance transfers, than they did here. Card unlocked, but only Chase asks for signature when swipe at this merchant.