Peeved at Chase

Discuss anything related to interest rates & fees, like balance transfer offers, low rate cards, annual fees, etc.
8 posts
Scoobynoodles
Platinum Member
Platinum Member
 
Posts: 53
Joined: Sat Jan 19, 2013 9:06 pm
Location: NYC

Peeved at Chase

Postby Scoobynoodles » Tue Sep 30, 2014 4:44 pm

It has certainly been a while since I posted on the forum, alas finally I have something to vent on.

I called Chase CS to achieve 3 simple items:
  1. Transfer $5K from Amazon account to Sapphire
  2. Upgrade Slate or Amzn to Freedom
  3. Lower APR on my 3 cards

I've been meaning to do a BT to one of my Chase cards so I decided to do some house cleaning on my accounts to make space for the BT. I wanted to do the BT to my Sapphire Preferred since it has a better promo than my Slate. Thing is, I have $6.5K sitting on my Amzn card not doing anything -- with no special promos or anything, wasting away -- so I decided to phone Chase and place $5K to my Sapphire. All was well and smooth until the operator came back and said "I must inform you that to complete your request, I will transfer you to the lending department and they 'MAY' do a hard-pull on your credit." Incredulously, I thought she was joking...why on earth would there need to be a HP to transfer a limit from one product to the next?!?! Mind you, there is a $0 balance on Amzn...so what are they checking my credit for? I've done this several times with Chase before with no hitch, so why now all of a sudden? New policy? Peeved, I said no thank you.

I then inquired if my Slate card, which was opened late last year, or my Amzn could be upgraded to Freedom, which everyone does mind you since Slate is a bottom of the pack card use only for promo BTs. Another shock, no product changes allowed. Floored x2! When I first opened the Slate card, they said I can easily upgrade to Freedom within 6 months to a year with no problem.

I then asked if any of my APRs can be reduced: CSP @ 15.24%, Amzn @ 17.24% & Slate @ 22.24%. Bemused, none of them were eligible for a reduction. Floored x3!!!

What on earth has happened to Chase's customer service? Were these uncommon requests or what? I've been a customer with them since 2007 and never had any difficulties, late payments and the like...what they call a safe, low-adverse risk customer.

Yeah I'm ticked! Has anyone else experience difficulties in either of these circumstances? Sort of at a loss for words...I know Chase can at times be sticklers but this is over the top.
AmEx Platinum 2009 & Blue Cash $3.5K Delta Gold $2K
BofA BankAmericard $6K | Chase[/i] Sapphire Preferred $10K & Amazon $1.5K Freedom $2.2K | CACU Platinum $13K
Discover Cashback $8.5K & It $6K | Citi Simplicity $5.6K & TY $4.3K


Scoobynoodles
Platinum Member
Platinum Member
 
Posts: 53
Joined: Sat Jan 19, 2013 9:06 pm
Location: NYC

Postby Scoobynoodles » Tue Sep 30, 2014 5:17 pm

I called Chase again, this time through the Sapphire Preferred line and was able to swap $5K to the Sapphire from the Amazon.

Beats me...I am under the impression certain departments may have more authority to make moves than others. But I'm still befuddled since they both use the same procedures and systems, I presume. 1 down...2 to go!
AmEx Platinum 2009 & Blue Cash $3.5K Delta Gold $2K
BofA BankAmericard $6K | Chase[/i] Sapphire Preferred $10K & Amazon $1.5K Freedom $2.2K | CACU Platinum $13K
Discover Cashback $8.5K & It $6K | Citi Simplicity $5.6K & TY $4.3K

User avatar
djrez4
Centurion Member
Centurion Member
 
Posts: 1468
Joined: Tue Jul 31, 2012 12:20 pm
Location: United States

Postby djrez4 » Tue Sep 30, 2014 5:48 pm

You've discovered the secret - always call the CSP line, even if you have a question about a different Chase card.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3744
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Tue Sep 30, 2014 7:23 pm

I've noticed the same thing with Amex. The people who answer the PRG phone line do more to help than people who answer the BCE phone line, so I've called the PRG number with BCE matters. I expect Centurion and Platinum get better help, and that Green is somewhere in between.

Amex might have 5 or 6 tiers of service, in total. Or maybe each card has its own team.

There is certainly something egalitarian about Discover.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Scoobynoodles
Platinum Member
Platinum Member
 
Posts: 53
Joined: Sat Jan 19, 2013 9:06 pm
Location: NYC

Postby Scoobynoodles » Wed Oct 01, 2014 3:55 am

Indeed -- I'll just call the CSP line and Amex Platinum line to get the top service when dealing with any of my cards. CSP customer reps are always helpful and knowledgable with no hitches. The lady I spoke to from the regular customer service could not do anything. Thx for the feedback guys.
AmEx Platinum 2009 & Blue Cash $3.5K Delta Gold $2K
BofA BankAmericard $6K | Chase[/i] Sapphire Preferred $10K & Amazon $1.5K Freedom $2.2K | CACU Platinum $13K
Discover Cashback $8.5K & It $6K | Citi Simplicity $5.6K & TY $4.3K

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Thu Oct 02, 2014 9:52 am

I learn something new here everyday. I'm writing down that CSP number for reference even though I don't have or want a CSP anyway. Haven't really had that much experience with Amex customer service on the phone but I was able to talk to a really nice American rep on the phone about my NPSL card and the spending ability button one time.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Thu Oct 02, 2014 4:30 pm

Yeah I was going to say, the lady who told you no moving between lines without a HP is totally wrong. I just did that earlier this year with Chase it was no HP and no problem at all. But then again I called the CSP number.


I have yet to ever call Amex CS for the Platinum so I can't say if they are better than the reps I'd dealt with for other cards. Honestly it does seem like some lenders are a real mixed bag. I have heard nothing but bad things about Citi reps, but every time I called them I got an American CSR and had no issues. On the other hand in the past I've called Amex and gotten foreign reps and they screwed up everything I asked for. US Bank and FNBO have all American reps, like Discover, so generally there are far fewer problems if any dealing with them.


I'm not sure what the ultimate answer here is other than to call the top tier card you have with a given lender. Otherwise you may receive a very subpar experience.


I wish these highly paid CEOs who think they are smarter than God would get it into their thick skulls which must be stuffed with buzzwords and mission statement nonsense that they lose customers and business when they foist this sort of "servfice" on the customers, but they seem far too concerned with saving $$$ and don't really care about the ramifcations down the road as they won't be there to deal with that anyway - they will have already looted and cashed out and moved on to the next place to plunder.

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Fri Oct 03, 2014 12:07 am

MemberSince99 wrote:Yeah I was going to say, the lady who told you no moving between lines without a HP is totally wrong. I just did that earlier this year with Chase it was no HP and no problem at all. But then again I called the CSP number.


I have yet to ever call Amex CS for the Platinum so I can't say if they are better than the reps I'd dealt with for other cards. Honestly it does seem like some lenders are a real mixed bag. I have heard nothing but bad things about Citi reps, but every time I called them I got an American CSR and had no issues. On the other hand in the past I've called Amex and gotten foreign reps and they screwed up everything I asked for. US Bank and FNBO have all American reps, like Discover, so generally there are far fewer problems if any dealing with them.


I'm not sure what the ultimate answer here is other than to call the top tier card you have with a given lender. Otherwise you may receive a very subpar experience.


I wish these highly paid CEOs who think they are smarter than God would get it into their thick skulls which must be stuffed with buzzwords and mission statement nonsense that they lose customers and business when they foist this sort of "servfice" on the customers, but they seem far too concerned with saving $$$ and don't really care about the ramifcations down the road as they won't be there to deal with that anyway - they will have already looted and cashed out and moved on to the next place to plunder.


Citi IMO is a mixed bag. The customer service reps you get by calling the number on the back of the card are really clueless and stupid IMO sometimes or have no clue. I mean they've been American but still. The service I've gotten from the EO however is a whole different story and lightyears ahead of what I've usually gotten from calling regular CS and their chat tends to be alright.

Always have gotten great service with Discover and I like Chase's service as well. Amex I've had no problems with though I've mostly contacted CS through their chat.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



Return to “Finance Charges & APR Compare”

Who is online

Users browsing this forum: No registered users and 2 guests