topic Re: Chase customer service fail in Credit Cards

Chase customer service fail

red259 — Thu, 14 Jan 2016 20:30:45 GMT

Called in on an issue I posted about before with my CS card. I had paid the vast majority of my balance well before due date (paid like $920 or something). I had about $280 or so left to pay and I made the mistake of paying $300 online on the due date, but because it was pasty 8pm est the payment was not processed untilt he following day. I ended up being charged $8.29 in interest. I have had this card for a couple of years and always PIF. Never carry a balance. I called up and the CSR told me that the computer wouldn't let her credit me the interest payment back. Given the amount of money I put through my various Chase cards every single month for a prolonged period of time I am a bit shocked here. In addition I am being told I will be hit with a few hours more interest that it took the payment to clear in the next month's cycle. Really disappointed with Chase, since they can see if scheduled the payment on the due date but because of their cutoff times it wasn't credited until after due date. Sadly if I had just called in they would have credited it the same day but I did not know about that option at the time. So much for getting the benefit of the doubt from them.

Re: Chase customer service fail

Anonymous — Thu, 14 Jan 2016 20:55:07 GMT

That's not really surprising to me. Just last week someone posted an article on here that was confessions of a Chase CSR. She basically said that "non profit" customer's are customer's that always PIF and never carry a balance, and these customers have zero chance of ever getting any fee or charges waived. I assume most people on these forums are what chase classifies as "non-profit" customer's. Just goes to show you how greedy the financial world is.

Re: Chase customer service fail

Imperfectfuture — Thu, 14 Jan 2016 21:59:39 GMT

@Anonymous wrote:
That's not really surprising to me. Just last week someone posted an article on here that was confessions of a Chase CSR. She basically said that "non profit" customer's are customer's that always PIF and never carry a balance, and these customers have zero chance of ever getting any fee or charges waived. I assume most people on these forums are what chase classifies as "non-profit" customer's. Just goes to show you how greedy the financial world is.

Not true, but welcome to forums, whoever you are. Many folks have had annual fees waived, interest removed, etc, even though no balance and always paid in full. I usually go through EO for this, because I am not sure of the powers overseas reps. I would try again, call retentions.

Re: Chase customer service fail

red259 — Thu, 14 Jan 2016 22:37:57 GMT

@Imperfectfuture wrote:
@Anonymous wrote:
That's not really surprising to me. Just last week someone posted an article on here that was confessions of a Chase CSR. She basically said that "non profit" customer's are customer's that always PIF and never carry a balance, and these customers have zero chance of ever getting any fee or charges waived. I assume most people on these forums are what chase classifies as "non-profit" customer's. Just goes to show you how greedy the financial world is.
Not true, but welcome to forums, whoever you are. Many folks have had annual fees waived, interest removed, etc, even though no balance and always paid in full. I usually go through EO for this, because I am not sure of the powers overseas reps. I would try again, call retentions.

+1 I get AFs waived and don't pay interest on my cards, plus banks can make money off of the swipes for customers that use their cards.

Re: Chase customer service fail

Callandra — Fri, 15 Jan 2016 00:25:17 GMT

That's pretty lousy they won't reverse it as a one time courtesy. Have you tried SM? I've heard of people having luck with that.

Re: Chase customer service fail

lg8302ch — Fri, 15 Jan 2016 00:35:23 GMT

@Callandra wrote:
That's pretty lousy they won't reverse it as a one time courtesy. Have you tried SM? I've heard of people having luck with that.

+1 I would also recommend to SM and try in writing ..maybe the reply in writing will be somehow different. Sometimes it is easier to say NO if it does not have to be explained in writing. If still no success I would mail the same request to the EO. Copy & Paste is the best function for such matters - Good luck!

Re: Chase customer service fail

red259 — Fri, 15 Jan 2016 00:37:00 GMT

@lg8302ch wrote:
@Callandra wrote:
That's pretty lousy they won't reverse it as a one time courtesy. Have you tried SM? I've heard of people having luck with that.
+1 I would also recommend to SM and try in writing ..maybe the reply in writing will be somehow different. Sometimes it is easier to say NO if it does not have to be explained in writing. If still no success I would mail the same request to the EO. Copy & Paste is the best function for such matters - Good luck!

I will try the SM function because the CSR indicated she had done this for people in the past, so its not like they can't do it, it was that only her computer wasn't letting her.

Re: Chase customer service fail

FinStar — Fri, 15 Jan 2016 03:33:18 GMT

@lg8302ch wrote:
@Callandra wrote:
That's pretty lousy they won't reverse it as a one time courtesy. Have you tried SM? I've heard of people having luck with that.
+1 I would also recommend to SM and try in writing ..maybe the reply in writing will be somehow different. Sometimes it is easier to say NO if it does not have to be explained in writing. If still no success I would mail the same request to the EO. Copy & Paste is the best function for such matters - Good luck!

SM may provide another option to see if they can waive. However, going to the EO for $8.29 is a bit of overkill. Besides, it's not like Chase messed up on the payment. Just my .02c

Re: Chase customer service fail

jsucool76 — Fri, 15 Jan 2016 04:41:52 GMT

One word. Twitter.

send a tweet to @ChaseSupport on twitter.

At the end of the day though (no pun intended) you made a late payment ...its less than $10. It isn't going to make or break you.

Re: Chase customer service fail

takeshi74 — Fri, 15 Jan 2016 14:59:23 GMT

This is not a fail on Chase's part. Own up to your actions. Yes, they could have reversed it out of goodwill but they are not obligated to do so and you are not entitled to it. Be aware of the payment deadlines and get your payments in on time. You can schedule payments in advance and/or use autopay if they would be of benefit to you. It's a small hit, chalk it up as a learning experience.

Re: Chase customer service fail

ojefferyo — Fri, 15 Jan 2016 18:02:09 GMT

I would take this as a lesson learned, it wasn't Chase's fault and yes they do credit people back. However she said the computer wouldn't let her do it. I would just suck it up and take it in stride. Next time just be very careful with the payment dates. On the second screen of the payment page it ask you to verify payment information including payment date, just make sure you look at this to be absolutely sure of the date.

Re: Chase customer service fail

red259 — Fri, 15 Jan 2016 18:45:01 GMT

@takeshi74 wrote:
This is not a fail on Chase's part. Own up to your actions. Yes, they could have reversed it out of goodwill but they are not obligated to do so and you are not entitled to it. Be aware of the payment deadlines and get your payments in on time. You can schedule payments in advance and/or use autopay if they would be of benefit to you. It's a small hit, chalk it up as a learning experience.

Actually I did "own up to my own actions". I said I made a mistake. Unfortunatly, I was unaware of the cutoff time. I was making the payment on the due date and had I known of the ability to call in I could have and they would have credited it to that day. I didn't say they were obligated, but I didn't really think it was an unreasonable request given the situation and after years of being their customer without missing a single payment.

Re: Chase customer service fail

Closingracer99 — Fri, 15 Jan 2016 18:47:28 GMT

@red259 wrote:
Called in on an issue I posted about before with my CS card. I had paid the vast majority of my balance well before due date (paid like $920 or something). I had about $280 or so left to pay and I made the mistake of paying $300 online on the due date, but because it was pasty 8pm est the payment was not processed untilt he following day. I ended up being charged $8.29 in interest. I have had this card for a couple of years and always PIF. Never carry a balance. I called up and the CSR told me that the computer wouldn't let her credit me the interest payment back. Given the amount of money I put through my various Chase cards every single month for a prolonged period of time I am a bit shocked here. In addition I am being told I will be hit with a few hours more interest that it took the payment to clear in the next month's cycle. Really disappointed with Chase, since they can see if scheduled the payment on the due date but because of their cutoff times it wasn't credited until after due date. Sadly if I had just called in they would have credited it the same day but I did not know about that option at the time. So much for getting the benefit of the doubt from them.

I fail to see how this is anybody elses fault other then your own?

Re: Chase customer service fail

red259 — Fri, 15 Jan 2016 18:49:47 GMT

@Closingracer99 wrote:
@red259 wrote:
Called in on an issue I posted about before with my CS card. I had paid the vast majority of my balance well before due date (paid like $920 or something). I had about $280 or so left to pay and I made the mistake of paying $300 online on the due date, but because it was pasty 8pm est the payment was not processed untilt he following day. I ended up being charged $8.29 in interest. I have had this card for a couple of years and always PIF. Never carry a balance. I called up and the CSR told me that the computer wouldn't let her credit me the interest payment back. Given the amount of money I put through my various Chase cards every single month for a prolonged period of time I am a bit shocked here. In addition I am being told I will be hit with a few hours more interest that it took the payment to clear in the next month's cycle. Really disappointed with Chase, since they can see if scheduled the payment on the due date but because of their cutoff times it wasn't credited until after due date. Sadly if I had just called in they would have credited it the same day but I did not know about that option at the time. So much for getting the benefit of the doubt from them.
I fail to see how this is anybody elses fault other then your own?

I didn't say it was their fault. I said I made a mistake by not making a payment by the time deadline even though I paid on the due date.

Re: Chase customer service fail

syeb — Fri, 15 Jan 2016 18:58:00 GMT

@Closingracer99 wrote:
@red259 wrote:
Called in on an issue I posted about before with my CS card. I had paid the vast majority of my balance well before due date (paid like $920 or something). I had about $280 or so left to pay and I made the mistake of paying $300 online on the due date, but because it was pasty 8pm est the payment was not processed untilt he following day. I ended up being charged $8.29 in interest. I have had this card for a couple of years and always PIF. Never carry a balance. I called up and the CSR told me that the computer wouldn't let her credit me the interest payment back. Given the amount of money I put through my various Chase cards every single month for a prolonged period of time I am a bit shocked here. In addition I am being told I will be hit with a few hours more interest that it took the payment to clear in the next month's cycle. Really disappointed with Chase, since they can see if scheduled the payment on the due date but because of their cutoff times it wasn't credited until after due date. Sadly if I had just called in they would have credited it the same day but I did not know about that option at the time. So much for getting the benefit of the doubt from them.
I fail to see how this is anybody elses fault other then your own?

Yes, I tried going to my local supermarket to buy some groceries. I asked them to give it to me for free since I was such a good customer. Guess what happened? The nerve of them to make me pay!

Re: Chase customer service fail

TrialByFire — Fri, 15 Jan 2016 19:04:22 GMT

Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?

OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8

Re: Chase customer service fail

red259 — Fri, 15 Jan 2016 19:05:47 GMT

@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?

OP I get what you're saying. Thankfully we're only talking about a couple bucks here. You know better now and it only cost you $8

Thanks!

Re: Chase customer service fail

yfan — Fri, 15 Jan 2016 19:09:50 GMT

@red259 wrote:
I didn't say it was their fault. I said I made a mistake by not making a payment by the time deadline even though I paid on the due date.

If it's not their fault, then why is not agreeing to mitigate the consequences of your action their "fail" (as you claim in the thread title)?

Re: Chase customer service fail

yfan — Fri, 15 Jan 2016 19:12:12 GMT

@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?

Nah, not a first-born. Just not trying to call the bank's refusal to forgive the consequences of that culpability a "fail" would suffice.

Re: Chase customer service fail

TrialByFire — Fri, 15 Jan 2016 19:19:07 GMT

@yfan wrote:
@TrialByFire wrote:
Y'all need to back off, this is becoming a running theme and getting real old real fast. OP has admitted culpability. Do yall want a first born child as retribution?
Nah, not a first-born. Just not trying to call the bank's refusal to forgive the consequences of that culpability a "fail" would suffice.

Look at YouTube for "skating fail" videos. Did the bike or skates fail?? No, nor is it implied. Same concept here. Why get into semantics? For the love of all things Friday please lock this thread.