I noticed that after complaining about Banknorth sending me snail mail spam on this blog, googling for “Banknorth Sucks” now puts my website at the number one spot. So after my interaction with Chase today (who I have a credit card with), let’s see how high I can rank for “Chase Sucks”.
I use my Chase Mastercard occasionally and always pay the balance off in full well before the payment due date. As I went to pay the card on-line, there was a vague “fee” for 35 dollars. I called Chase to see what it was as I never pay late. I always pay on-line, and I always have the payment come directly out of my bank account, which has more than enough funds to cover my small charges.
The woman informed me that they attempted to withdraw funds and the withdrawal fee failed. She didn’t know why. I confirmed the routing and account number with her. Both were correct.
I then asked why I was being charged if they couldn’t get the transaction to work. “Because it failed.” she said. So apparently, if they fail to get something to work, it is my fault and I don’t get a chance to fix it.
“Uh, so why didn’t you inform me before charging me a fee?”
“How would we do that?” she asked.
“You have my email address and my phone number.”
“We can’t do that.”
This went around and around while I tried to express the insanity of this system. With other fun accusations like my payment was late even though I haven’t even received this month’s statement yet, and that my previous payments were made by phone, even though I’ve never called in a payment in my life.
After all this, I said, “Look, this is ridiculous, the failed transaction is your problem, I’ve never payed via phone, your records are crap, please just waive the fee.”
“I’d be glad to waive the fee this one time for you sir.”
So apparently this woman just enjoys arguing, and I could have saved myself 15 minutes if I had just begun with, “Please waive stupid fees from my account.”. “Yes sir right away sir.”
Ineptitude | admin June 28, 2010 | 
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