topic Re: Chase's Fraud Dept is tedious!! in Credit Cards

Chase's Fraud Dept is tedious!!

willwar14 — Sun, 25 Oct 2015 23:52:56 GMT

So my mom tried to use her Marriott card today, denied, she calls in and its been locked AGAIN for fraud and then she goes through the process of answering questions from public record and who morgage is through and such. This is the 4TH!!!! time she has done this for this card and she just got it about 3-4 weeks ago, should she just go into a chase branch and give them docs so she doesn't have to do this every week?

Re: Chase's Fraud Dept is tedious!!

Creditaddict — Sun, 25 Oct 2015 23:53:38 GMT

@willwar14 wrote:
So my mom tried to use her Marriott card today, denied, she calls in and its been locked AGAIN for fraud and then she goes through the process of answering questions from public record and who morgage is through and such. This is the 4TH!!!! time she has done this for this card and she just got it about 3-4 weeks ago, should she just go into a chase branch and give them docs so she doesn't have to do this every week?

has the card ever been compromised at all or just security locks against her?

Re: Chase's Fraud Dept is tedious!!

willwar14 — Sun, 25 Oct 2015 23:55:50 GMT

Nope account was opened about a month ago, and its had 4 security locks on it, none to verify transactions or anything.

Re: Chase's Fraud Dept is tedious!!

Creditaddict — Sun, 25 Oct 2015 23:57:18 GMT

@willwar14 wrote:
Nope account was opened about a month ago, and its had 4 security locks on it, none to verify transactions or anything.

super odd.

SUPER ANNOYING!

Re: Chase's Fraud Dept is tedious!!

NRB525 — Sun, 25 Oct 2015 23:57:45 GMT

Good question to clarify.

My Marriott was compromised in June, got a text from Chase, then an email, called them from out of the country, they blocked the card immediately and replaced the card within hours of me talking to them. New number, new card, moving along, nothing to see here.

That much blocking activity doesn't sound like your typical compromised card.

Re: Chase's Fraud Dept is tedious!!

NRB525 — Sun, 25 Oct 2015 23:58:18 GMT

@willwar14 wrote:
Nope account was opened about a month ago, and its had 4 security locks on it, none to verify transactions or anything.

Are they replacing the card each time?

Re: Chase's Fraud Dept is tedious!!

elim — Sun, 25 Oct 2015 23:58:50 GMT

I have 3 Chase cards (some 18 months, including Marriott) and have never been through this. So far my cards haven't been compromised though.

Re: Chase's Fraud Dept is tedious!!

willwar14 — Mon, 26 Oct 2015 00:01:38 GMT

Nope, they say the Fraud department has put the lock on it every time, to verify ID but after once or twice you would think would be enough?! but no.

After completing the process of verifying again and again they just unlock the account again and again and she goes on using the card again and again.

Re: Chase's Fraud Dept is tedious!!

NRB525 — Mon, 26 Oct 2015 00:08:41 GMT

I would think it's worth the time to go into a Chase branch to get this sorted.

Chase's Fraud department is fine.

DM account is somehow bolloxed up, and needs to be reviewed.

Re: Chase's Fraud Dept is tedious!!

ddemari — Mon, 26 Oct 2015 00:39:04 GMT

I have lots of Chase of Chase cards. The only time I ever had a fraud decline was actually my fault. I asked for a replacement emv version of UA visa and when it I didn't call to activate new card and used it and it wasn't declined, then went to Michigan and to a meijer at mid night ( asking for it lol) and card was declined but a quick call and figured out. I'd be annoyed with the same problem happening over and over after its resolved the first time or actual fraud.

Re: Chase's Fraud Dept is tedious!!

tntexans72 — Mon, 26 Oct 2015 02:37:21 GMT

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!

Re: Chase's Fraud Dept is tedious!!

willwar14 — Mon, 26 Oct 2015 02:40:38 GMT

**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.

Re: Chase's Fraud Dept is tedious!!

TekkenQQ7 — Mon, 26 Oct 2015 03:01:33 GMT

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

Re: Chase's Fraud Dept is tedious!!

Open123 — Mon, 26 Oct 2015 03:15:06 GMT

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.

Re: Chase's Fraud Dept is tedious!!

willwar14 — Mon, 26 Oct 2015 03:13:56 GMT

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

Re: Chase's Fraud Dept is tedious!!

NRB525 — Mon, 26 Oct 2015 03:21:19 GMT

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.

Re: Chase's Fraud Dept is tedious!!

Anonymous — Mon, 26 Oct 2015 04:02:51 GMT

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.

Re: Chase's Fraud Dept is tedious!!

ForumPheen — Mon, 26 Oct 2015 04:57:17 GMT

'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.

Re: Chase's Fraud Dept is tedious!!

Imperfectfuture — Mon, 26 Oct 2015 05:28:37 GMT

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.