Chase Visa allows and supports "Continuity" fraud allowing you Credit card to be used without requiring you're correct address, security code, or expiration date.
Chase Visa is not protecting you from"continuity" vendors. In point of fact they're in bed with the continuity vendors making it easier for an unscrupulous vender to commit fraud at your expense. And when it happens Chase Visa will just wash their hands of it and leave you to handle the fraudulent charges directly with the merchant/vendor. I talked directly with their fraud department about a company called BlueMountain.com they sell e-cards. I had contacted BlueMountain.com years ago when I continued to receive emails that birthdays are coming up and did I want to send an e-card. I continued to get these on a fairly regular basis from the original address book that I had set up. I thought this was just a way of trying to get me to come back and use the system and pay the yearly fees. However the vendor had been charging for years. I canceled immediately and was given some compensation from BlueMountain.
Now going forward Since I had changed my address and the expiration date on my credit card had changed and so had the three digit code I felt that now I was secure. I even went into my account and tried to change the credit card number but it wouldn't let me.
Now back to calling Chase , I have a Southwest visa card so they have a direct number where you get directly to a higher level agent. I explained about canceling years before I told them possibly have my correct information including the security code my address etc. Eventually the gentleman's explanation was these are "continuity vendors " he explained it in a way that sounded like these type of vendors which would include BlueMountain.com that have renewals similar to magazines and other items that can have in their agreement an automatic renewal at the end of the year or two are Called "Continuity "vendor/merchants. I stated that they had charged my card before a number of years and I canceled and they gave me back some of the fees and that they couldn't possibly have the correct information because the pin , The address and the security code has changed.
I asked how would Chase know that I had that type of agreement with BlueMountain and Chase just automatically excepts continuity vendors giving them only your credit card number. He said you must of had a contract at one time. I said yes I did about 15 years ago and I canceled it. I ask what is the three digit security code for and he explained that security to prove that the merchant has your card. And again I stated that BlueMountain couldn't possibly have my security code because I haven't given it to them, I didn't order their service again and the address was wrong etc.. He again said you must of had an agreement with them at one time. My answer was so I have to be concerned about every single company I've dealt with that may have a renewal clause even if I cancel their services. Chase Visa is not protecting the consumer at all, Chase is just allowing these vendors to use just a credit card number because it simplifies things for the vendor.
I asked for the fraud department and was told they will tell you the same thing. I said that's fine I'd like to speak to the fraud department. And I patiently waited on hold. I talked with Adrian in the fraud department he confirmed that since these are continuity vendors you must of had an agreement with them. In this case I explained I signed up about 15 years ago and then canceled and how they had continued to bill me but never send me an email confirming billing. But only to send me teasers to send BlueMountain cards to family members etc. The point is that once Thevendor/Merchant of a continuity type has your credit card number it doesn't matter what you do you can cancel you can change your address and not notify them, your security code can change and your expiration date can change. And CHASE VISA will except their charge to your account without having any of that pertinent security type information. God help me I'm wondering if they have other types of vendors with these "special categories" like continuity vendor but with some other name would only have to retain your credit card number and no other information and when they haven't done business with you for years and years they can run a charge through just because they're a "special type of vendor."
Not only that but Adrian again in the fraud department told me that is something you have to handle with the vendor, just like it's my fault if I ever signed up for any item that could have an automatic renewal. That is definitely fraud if they're using my credit card and charging me for something I canceled long ago and then canceled a second time when they started billing again and now this is the third time. He basically told me that well it sometime you had an agreement. My response of course was well of course I did but I canceled it and I've explained you all the details.
It just makes sense that this must happen thousands and thousands of times possibly more where people signed up for something that's an insignificant amount of money, then they cancel the service and at some point start being billed again.
Just because it is the "continuity merchant " who only needs to keep your credit card number and doesn't need to verify any of the other factors. This is asinine there is absolutely no protection for the consumer. If nothing else I would expect they would require the security code, but they don't. So you're left with going back to, in my case BlueMountain.com and try to get reimbursement again. And after that you're still at risk because they still have your credit card number and CHASE Visa Will honor the cars with no questions asked. The vendor can keep your card Number for a lifetime. Adrian said he understood my concern but the only thing he could do was cancel this years charge of $25 approximately and anything else I would have to contact BlueMountain. I told him Chase is the one that is allowing this to happen there is no excuse other then expediency as to why Chase would have a security code and not require it from every merchant/ vendor. Chase is in essence giving these vendors a license to steal just because you used your credit card one time with them.
The only thing that CHASE VISA will do is, if you ask them is to block the company from ever charging your card again. But that's the end of their attempt to protect you they won't even make notations and/or keep records that a vendor/merchant of the continuity type is having an extreme number of billing issues when the cardmembers say they have already canceled.
This company says it is reporting to the IRS this write off of an old loan. At case bank itself they show no information on this loan from years ago? at one time I may have co signed for a loan for my daughter, can they do this? Is this a scam or a reputable company, we can not afford to be responsible fo income tax on over $31,000!
Money in brokerage agent . hounded day and night by ms. Morgan telling me to come to the bank and she can help assist with my money. The banking industry should not permit this. I get that commission comes into play. But come on. Leave customers alone. Chase had no morals or guidelines for employees to follow. When the calls came in until 7pm . I took my money elsewhere.
I would like to bring to your attention the worst customer service I ever experienced in my life. I am not a person that will take the time and write a letter just to complain but this is something that should come to your attention.
I have called chase credit card support to ask what is my annual spending for 2014 and the agent did a good job in totaling things up but she was not able to give me an official statement with this simple information. I asked to be transferred to a supervisor hoping the supervisor would have more tools to help but I was faced with a rude and ruthless supervisor by the name of Eva Rabago. Eva is worth nothing to you and your organization and she would be a liability to any organization she work for. For a start, I didn’t not feel she was genuinely trying to help. Secondly, her solution was to send me 12 months statements and I would have to compute the total. I am not sure this is how you treat your customer or this is how you intended your customers to be treated but asking the customer to work their own math and figure out something that is a customary and expected from every bank is not a solution. When I try to convey that point to her she refused to listen and did not provide any relief.
You may want to review your customer service training if you intend to keep your customers happy
JPMorgan Chase & Co. Reviews
Chase Visa allows and supports "Continuity" fraud allowing you Credit card to be used without requiring you're correct address, security code, or expiration date.
Chase Visa is not protecting you from"continuity" vendors. In point of fact they're in bed with the continuity vendors making it easier for an unscrupulous vender to commit fraud at your expense. And when it happens Chase Visa will just wash their hands of it and leave you to handle the fraudulent charges directly with the merchant/vendor. I talked directly with their fraud department about a company called BlueMountain.com they sell e-cards. I had contacted BlueMountain.com years ago when I continued to receive emails that birthdays are coming up and did I want to send an e-card. I continued to get these on a fairly regular basis from the original address book that I had set up. I thought this was just a way of trying to get me to come back and use the system and pay the yearly fees. However the vendor had been charging for years. I canceled immediately and was given some compensation from BlueMountain.
Now going forward Since I had changed my address and the expiration date on my credit card had changed and so had the three digit code I felt that now I was secure. I even went into my account and tried to change the credit card number but it wouldn't let me.
Now back to calling Chase , I have a Southwest visa card so they have a direct number where you get directly to a higher level agent. I explained about canceling years before I told them possibly have my correct information including the security code my address etc. Eventually the gentleman's explanation was these are "continuity vendors " he explained it in a way that sounded like these type of vendors which would include BlueMountain.com that have renewals similar to magazines and other items that can have in their agreement an automatic renewal at the end of the year or two are Called "Continuity "vendor/merchants. I stated that they had charged my card before a number of years and I canceled and they gave me back some of the fees and that they couldn't possibly have the correct information because the pin , The address and the security code has changed.
I asked how would Chase know that I had that type of agreement with BlueMountain and Chase just automatically excepts continuity vendors giving them only your credit card number. He said you must of had a contract at one time. I said yes I did about 15 years ago and I canceled it. I ask what is the three digit security code for and he explained that security to prove that the merchant has your card. And again I stated that BlueMountain couldn't possibly have my security code because I haven't given it to them, I didn't order their service again and the address was wrong etc.. He again said you must of had an agreement with them at one time. My answer was so I have to be concerned about every single company I've dealt with that may have a renewal clause even if I cancel their services. Chase Visa is not protecting the consumer at all, Chase is just allowing these vendors to use just a credit card number because it simplifies things for the vendor.
I asked for the fraud department and was told they will tell you the same thing. I said that's fine I'd like to speak to the fraud department. And I patiently waited on hold. I talked with Adrian in the fraud department he confirmed that since these are continuity vendors you must of had an agreement with them. In this case I explained I signed up about 15 years ago and then canceled and how they had continued to bill me but never send me an email confirming billing. But only to send me teasers to send BlueMountain cards to family members etc. The point is that once Thevendor/Merchant of a continuity type has your credit card number it doesn't matter what you do you can cancel you can change your address and not notify them, your security code can change and your expiration date can change. And CHASE VISA will except their charge to your account without having any of that pertinent security type information. God help me I'm wondering if they have other types of vendors with these "special categories" like continuity vendor but with some other name would only have to retain your credit card number and no other information and when they haven't done business with you for years and years they can run a charge through just because they're a "special type of vendor."
Not only that but Adrian again in the fraud department told me that is something you have to handle with the vendor, just like it's my fault if I ever signed up for any item that could have an automatic renewal. That is definitely fraud if they're using my credit card and charging me for something I canceled long ago and then canceled a second time when they started billing again and now this is the third time. He basically told me that well it sometime you had an agreement. My response of course was well of course I did but I canceled it and I've explained you all the details.
It just makes sense that this must happen thousands and thousands of times possibly more where people signed up for something that's an insignificant amount of money, then they cancel the service and at some point start being billed again.
Just because it is the "continuity merchant " who only needs to keep your credit card number and doesn't need to verify any of the other factors. This is asinine there is absolutely no protection for the consumer. If nothing else I would expect they would require the security code, but they don't. So you're left with going back to, in my case BlueMountain.com and try to get reimbursement again. And after that you're still at risk because they still have your credit card number and CHASE Visa Will honor the cars with no questions asked. The vendor can keep your card Number for a lifetime. Adrian said he understood my concern but the only thing he could do was cancel this years charge of $25 approximately and anything else I would have to contact BlueMountain. I told him Chase is the one that is allowing this to happen there is no excuse other then expediency as to why Chase would have a security code and not require it from every merchant/ vendor. Chase is in essence giving these vendors a license to steal just because you used your credit card one time with them.
The only thing that CHASE VISA will do is, if you ask them is to block the company from ever charging your card again. But that's the end of their attempt to protect you they won't even make notations and/or keep records that a vendor/merchant of the continuity type is having an extreme number of billing issues when the cardmembers say they have already canceled.
This company says it is reporting to the IRS this write off of an old loan. At case bank itself they show no information on this loan from years ago? at one time I may have co signed for a loan for my daughter, can they do this? Is this a scam or a reputable company, we can not afford to be responsible fo income tax on over $31,000!
Money in brokerage agent . hounded day and night by ms. Morgan telling me to come to the bank and she can help assist with my money. The banking industry should not permit this. I get that commission comes into play. But come on. Leave customers alone. Chase had no morals or guidelines for employees to follow. When the calls came in until 7pm . I took my money elsewhere.
Dear Chase Credit Card Division Management.
I would like to bring to your attention the worst customer service I ever experienced in my life. I am not a person that will take the time and write a letter just to complain but this is something that should come to your attention.
I have called chase credit card support to ask what is my annual spending for 2014 and the agent did a good job in totaling things up but she was not able to give me an official statement with this simple information. I asked to be transferred to a supervisor hoping the supervisor would have more tools to help but I was faced with a rude and ruthless supervisor by the name of Eva Rabago. Eva is worth nothing to you and your organization and she would be a liability to any organization she work for. For a start, I didn’t not feel she was genuinely trying to help. Secondly, her solution was to send me 12 months statements and I would have to compute the total. I am not sure this is how you treat your customer or this is how you intended your customers to be treated but asking the customer to work their own math and figure out something that is a customary and expected from every bank is not a solution. When I try to convey that point to her she refused to listen and did not provide any relief.
You may want to review your customer service training if you intend to keep your customers happy