Horrible issues with Chase :/

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catsartcox
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Horrible issues with Chase :/

Postby catsartcox » Mon Apr 25, 2016 12:41 pm

Does anyone remember membersince99? I am about to have one of his signature rants. Chase has wronged me for the last time.

So, This is a continuation of last nights post. It is a lot less happy then last night. I applied for a Chase Slate card. For their balance transfer option. What they had advertised was very good. I was approved after calling in this morning to verify my identity. But, I was approved for a limit that is about a 1/5th to a 1/10th of every other account I have. Certainly, one that is not enough to use it what it is for, a balance transfer. I told them in the application the size of the balance I wished to transfer, it was a line item. They knew.
No big deal though. I'll call. Explain myself, I am sure they would want to have me so they would work with me. Nope!!! They wanted to do a second pull! With the account being about 3 hours old and the application being about 14 hours, they wanted to hurt my credit again! I am not going to bend over twice so I can be your customer. As it stood I could not use this account with out them giving me a honest limit I can use. So, I closed the account. The lady did not care.
I have now a wasted an inquiry, and now will have to sit tight with what I have. Chase stole my chance to save money. I might dispute the inquiry. I am not sure if selling me a product I cannot use is grounds for that.
And you know, This is not my only issue with Chase ATM.
I'll tell that story to.
I have a Subaru Lease, I bought a new Legacy back in November. Chase was the one that partnered with Subaru for leases.
Anyways, I bought the car on 11/23/15 and it was coming up to 12/23 when my first true payment would be due. I was getting worried as Chase had not heard of me yet and I did not know who to give my money to. So I called, and after much research it turned out when Chase and the dealer calculated the "Capital cost" on my lease they did it wrong. So they had me come in a re-sign a corrected lease. They assured me all will be well and the dealership took Decembers payment. Once again, NO! Chase F'ed it up. They started my lease on the 18th of December(Which was the day I went in to fix the lease). This meant that Chase thinks I started driving the car almost a whole month after I truly took ownership of it. With this being a lease, this is a big deal. It means both my maintenance plan the the miles I am held to on the lease will always be off by 1000 miles. I have tried fixing it, spent hours and hours fighting to get the right date on there. Both leases say 11/23 on them. I would not even have a 2nd lease if they did not make a mistake. But, since my signature happened on 12/18 that is the date they are sticking too. IDK what to do. The dealer and Subaru can't fix it and Chase says it is not their fault.

I hate Chase now. This is a fool me once, fool me twice type of thing. I will never use Chase again and I wish I could move my lease to another bank.

Thanks for reading my rant. I hope it did membersince99 proud.
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CarefulBuilder14
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Re: Horrible issues with Chase :/

Postby CarefulBuilder14 » Mon Apr 25, 2016 1:03 pm

catsartcox wrote:I have now a wasted an inquiry, and now will have to sit tight with what I have. Chase stole my chance to save money. I might dispute the inquiry. I am not sure if selling me a product I cannot use is grounds for that.

I can see how a BT card with a low CL feels useless. I'm not sure what's best to do, but I'd probably suffer another inquiry for the CLI on Slate.

Still...you applied with no guarantee that you'd like the CL if approved, and you authorized Chase to pull your credit. The account wasn't created through fraud or administrative error. I don't see any grounds for disputing the inquiry, or the account when it reports.
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catsartcox
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Re: Horrible issues with Chase :/

Postby catsartcox » Mon Apr 25, 2016 1:20 pm

CarefulBuilder14 wrote:
catsartcox wrote:I have now a wasted an inquiry, and now will have to sit tight with what I have. Chase stole my chance to save money. I might dispute the inquiry. I am not sure if selling me a product I cannot use is grounds for that.

I can see how a BT card with a low CL feels useless. I'm not sure what's best to do, but I'd probably suffer another inquiry for the CLI on Slate.

Still...you applied with no guarantee that you'd like the CL if approved, and you authorized Chase to pull your credit. The account wasn't created through fraud or administrative error. I don't see any grounds for disputing the inquiry, or the account when it reports.



Yes, you are right. It should have been a fixable issue though. Chase should have tried/cared. I am just eluded as to why they could not review the report they grabbed not 12 hours ago? I was happy to let them see my history, it is apart of the process. But, two pulls for one account creation is to much.
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Kevin86475391
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Re: Horrible issues with Chase :/

Postby Kevin86475391 » Mon Apr 25, 2016 3:02 pm

I'm sorry to hear about your troubles with Chase.

Regarding the Slate, I think I'd have probably bitten the bullet on the second HP too. I'd have viewed it as sort of a 'sunk cost' (a fallacy I know :ppp ) and figured if I were already in this far I'd might as well go all the way in the hopes of getting something I could use.

It is certainly silly though that they couldn't use the same HP they'd already done to approve the account. Were they perhaps wanting to pull a different bureau the second time to compare? I think Capital One pulls (or used to pull) two bureaus whenever someone applies for a card. Definitely annoying and all the most frustrating since most lenders just do one, but as I've seen people point out before, technically they'd be within their rights to pull all 3. On the other hand pulling the same report 12 hours apart from the same bureau does just seem really dumb and pointless.

Personally, I also think it's frustrating that with balance transfer cards like the Slate you can be approved for less than the amount you want to transfer. It's definitely par for the course and completely common, but given the nature of a balance transfer I think in an ideal world it would be nice if they did things a little differently. Maybe don't approve the account at all if they can't approve at least the amount needed. You'd still be stuck with the HP, but it would be like a regular denial instead of a useless account needlessly dragging down AAOA and also dinging you for being a new account. If I were looking for a balance transfer card I'd actually appreciate that more than being approved for a toy limit I couldn't use. Maybe they could adjust the application to have a desired amount and a minimum amount you'll accept. Of course that'll probably never happen.

It reminds me of that irritating thing US Bank does where if someone applies for the Cash + and doesn't qualify they automatically get the lesser Cash Rewards card if they qualify. I guess maybe some people want that, but it should be something you can opt out of it.

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Vattené
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Re: Horrible issues with Chase :/

Postby Vattené » Mon Apr 25, 2016 4:45 pm

I'm sorry to hear of your issues with Chase. I definitely get the frustration. If it's any consolation the HP, despite being wasted, shouldn't hurt you too much. You won't have any card-related HPs on your report, so you'd just be left with this one plus any non-card pulls (lease, maybe student loans, etc.).

I wouldn't care to do business with them either, particularly after the mess with your lease. One would think they'd admit they were in the wrong when having both original documents with your signature dated 11/23 makes it so obvious!
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CarefulBuilder14
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Re: Horrible issues with Chase :/

Postby CarefulBuilder14 » Mon Apr 25, 2016 4:52 pm

Where are the balances at present? Citi Diamond Preferred, Barclaycard Ring, SunTrust Prime and others might be worth exploring. Discover and Barclaycard also sometimes do promos on existing accounts.
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Tubpbs
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Re: Horrible issues with Chase :/

Postby Tubpbs » Mon Apr 25, 2016 5:32 pm

catsartcox wrote:Does anyone remember membersince99? I am about to have one of his signature rants. Chase has wronged me for the last time.

So, This is a continuation of last nights post. It is a lot less happy then last night. I applied for a Chase Slate card. For their balance transfer option. What they had advertised was very good. I was approved after calling in this morning to verify my identity. But, I was approved for a limit that is about a 1/5th to a 1/10th of every other account I have. Certainly, one that is not enough to use it what it is for, a balance transfer. I told them in the application the size of the balance I wished to transfer, it was a line item. They knew.
No big deal though. I'll call. Explain myself, I am sure they would want to have me so they would work with me. Nope!!! They wanted to do a second pull! With the account being about 3 hours old and the application being about 14 hours, they wanted to hurt my credit again! I am not going to bend over twice so I can be your customer. As it stood I could not use this account with out them giving me a honest limit I can use. So, I closed the account. The lady did not care.
I have now a wasted an inquiry, and now will have to sit tight with what I have. Chase stole my chance to save money. I might dispute the inquiry. I am not sure if selling me a product I cannot use is grounds for that.
And you know, This is not my only issue with Chase ATM.
I'll tell that story to.
I have a Subaru Lease, I bought a new Legacy back in November. Chase was the one that partnered with Subaru for leases.
Anyways, I bought the car on 11/23/15 and it was coming up to 12/23 when my first true payment would be due. I was getting worried as Chase had not heard of me yet and I did not know who to give my money to. So I called, and after much research it turned out when Chase and the dealer calculated the "Capital cost" on my lease they did it wrong. So they had me come in a re-sign a corrected lease. They assured me all will be well and the dealership took Decembers payment. Once again, NO! Chase F'ed it up. They started my lease on the 18th of December(Which was the day I went in to fix the lease). This meant that Chase thinks I started driving the car almost a whole month after I truly took ownership of it. With this being a lease, this is a big deal. It means both my maintenance plan the the miles I am held to on the lease will always be off by 1000 miles. I have tried fixing it, spent hours and hours fighting to get the right date on there. Both leases say 11/23 on them. I would not even have a 2nd lease if they did not make a mistake. But, since my signature happened on 12/18 that is the date they are sticking too. IDK what to do. The dealer and Subaru can't fix it and Chase says it is not their fault.

I hate Chase now. This is a fool me once, fool me twice type of thing. I will never use Chase again and I wish I could move my lease to another bank.

Thanks for reading my rant. I hope it did membersince99 proud.


I would say while I sympathize with your situation, I don't sympathize with your position on it. They didn't do anything wrong. They approved you for the limit their computer decided was appropriate for where you were at when you applied. As others have said and I'm sure you knew before you applied, just telling them how much of a balance you want to transfer isn't a guarantee of any kind. You wasted the HP more than Chase did. I agree it sucks to have to do another one for what seems like no reason, but they don't have to consider the card for an increase of any kind. They don't even have to extend you any credit of any kind...

It does seem like an odd practice to pretend your report is going to have changed in any real way overnight, but it's their policy, not yours. You applied for their card because it had the greatest potential benefit to you. They assessed your risk level to them and approved accordingly.

You should have either taken the second pull or at least kept the card. Frankly, the decision to close the card in a huff (and to think they would care at all) was foolish. They don't give a half a shit. So, I suppose, at least you know that now. If you operate knowing that none of these banks value anything but profit, you're better off from the shitty interaction you just had to deal with...
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catsartcox
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Re: Horrible issues with Chase :/

Postby catsartcox » Mon Apr 25, 2016 5:56 pm

Tubpbs wrote:
I would say while I sympathize with your situation, I don't sympathize with your position on it. They didn't do anything wrong. They approved you for the limit their computer decided was appropriate for where you were at when you applied. As others have said and I'm sure you knew before you applied, just telling them how much of a balance you want to transfer isn't a guarantee of any kind. You wasted the HP more than Chase did. I agree it sucks to have to do another one for what seems like no reason, but they don't have to consider the card for an increase of any kind. They don't even have to extend you any credit of any kind...

It does seem like an odd practice to pretend your report is going to have changed in any real way overnight, but it's their policy, not yours. You applied for their card because it had the greatest potential benefit to you. They assessed your risk level to them and approved accordingly.

You should have either taken the second pull or at least kept the card. Frankly, the decision to close the card in a huff (and to think they would care at all) was foolish. They don't give a half a shit. So, I suppose, at least you know that now. If you operate knowing that none of these banks value anything but profit, you're better off from the shitty interaction you just had to deal with...


Alright, I do hold ground that they did do something wrong. Honestly, it should have been left open. It could have been used as a line to help my utilization ratios. The policies that were brought to light when I called to find a solution is what scared me. The interaction and the level of care they had about my issue was staggering and something I have not seen before with Citi, Amex or Discover.
I understand it was a gamble when I first applied. I am not offended that their computer offered me a low ball limit, the lowest I have ever had. I am offended that Chase wanted to hurt my credit a second time in order to provide a useful product, I could simply not use it for the advertised reason.

I canceled it cause I learned today that Chase is a rigid, non-personal company. One that could care less about my opinion or needs.
I wish they would even just apologize....
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

catsartcox
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Re: Horrible issues with Chase :/

Postby catsartcox » Mon Apr 25, 2016 6:00 pm

CarefulBuilder14 wrote:Where are the balances at present? Citi Diamond Preferred, Barclaycard Ring, SunTrust Prime and others might be worth exploring. Discover and Barclaycard also sometimes do promos on existing accounts.

My balance is with Citi. That is not a bad ultimate solution to this issue though. I'll call them tonight and see if they might have something to offer. Thank you.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

Tubpbs
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Re: Horrible issues with Chase :/

Postby Tubpbs » Mon Apr 25, 2016 6:40 pm

catsartcox wrote:
Tubpbs wrote:
I would say while I sympathize with your situation, I don't sympathize with your position on it. They didn't do anything wrong. They approved you for the limit their computer decided was appropriate for where you were at when you applied. As others have said and I'm sure you knew before you applied, just telling them how much of a balance you want to transfer isn't a guarantee of any kind. You wasted the HP more than Chase did. I agree it sucks to have to do another one for what seems like no reason, but they don't have to consider the card for an increase of any kind. They don't even have to extend you any credit of any kind...

It does seem like an odd practice to pretend your report is going to have changed in any real way overnight, but it's their policy, not yours. You applied for their card because it had the greatest potential benefit to you. They assessed your risk level to them and approved accordingly.

You should have either taken the second pull or at least kept the card. Frankly, the decision to close the card in a huff (and to think they would care at all) was foolish. They don't give a half a shit. So, I suppose, at least you know that now. If you operate knowing that none of these banks value anything but profit, you're better off from the shitty interaction you just had to deal with...


Alright, I do hold ground that they did do something wrong. Honestly, it should have been left open. It could have been used as a line to help my utilization ratios. The policies that were brought to light when I called to find a solution is what scared me. The interaction and the level of care they had about my issue was staggering and something I have not seen before with Citi, Amex or Discover.
I understand it was a gamble when I first applied. I am not offended that their computer offered me a low ball limit, the lowest I have ever had. I am offended that Chase wanted to hurt my credit a second time in order to provide a useful product, I could simply not use it for the advertised reason.

I canceled it cause I learned today that Chase is a rigid, non-personal company. One that could care less about my opinion or needs.
I wish they would even just apologize....


They didn't do anything that warrants an apology though. You didn't qualify for a higher limit. I completely acknowledge the agitation you felt when they asked to do another HP and I would agree that it won't likely tell them any more than they already know about you (other than that you really want to use their product and will take a second HP to get it done), but they're in no way requesting to do the second HP to explicitly harm you or your credit in any way. They just have rules. The person on the phone didn't make them. They could potentially break them and not get in trouble, but who knows. Maybe once and you're done there. I don't know.

I do think you have learned a few things from this, which is always a positive. You probably could have learned them in an easier way, but what's done is done.

At least now you know who you're dealing with ( or not dealing with I suppose ).

I feel much less that way about Chase and much more that way about BoA, but it is definitely frustrating when they treat you like you're a piece of shit for no reason when they could at least pretend to value you as a customer even if they don't.

That's where we're at with these big banks though... We're all less than numbers on a page to them. I learned it a long time ago and haven't forgotten. Just proceed with that knowledge and you'll be better off and less surprised the next time they pull some bull shit like this.
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