Chase Manhattan Bank Complaint - Chase Manhattan committed fraud & uses scare tactics
PENNSYLVANIA -- I have had a Chase Manhattan Credit Card for a few years now. I provided them with my phone number in case they needed to contact me in an emergency. What a mistake that turned out to be!
In June 2006, one of their 'representatives' called me on the phone and said there were unauthorized charges on my account. Of course I was shocked as I keep the card put away so no one can find it and I rarely use the card.
He refused to give me any further information such as how my card was being, where it was being used, who was using it, and how much they had spent on my account.
Instead, he went into a spiel about how they offer 'Fraud Protection' for something like $29.99 a month. Well I am not that stupid to pay that much every month for fraud protection as I am only liable for the first $50.00 of any stolen credit card.
I was anxious for him to get the hell off the phone so I could go online and check my account and see how much money had been stolen and what the proper procedure was for cancelling the card and get a new one.
But I did NOT authorize the fraud protection program with the man on the phone. I said no thank you and hung up.
I went online and checked my account and nothing was on it!! No charges whatsoever!! What was this idiot talking about???
So I just put it out of my head until next month when they charged me $29.99 for the fraud protection service!! The same service I said no to!! They had committed fraud through unauthorized use of my credit card!
I wrote an email to them and said I did not want the service. Their response was: you have to call and cancel the service with the company who handles the program.
I got pissed and wrote a nasty letter and sent it through snail mail screaming the word 'Fraud' and that they would be hearing from my attorney if I they did not take the charges off.
Well at that they wrote back and had cancelled the account and credited my $29.99 back to my card. The word 'fraud' set them off I guess.
I also changed the phone number that they have on file. If they are going to harass and terrorize me at home then they have no need for my telephone number.
If it wouldn't affect my credit score then I would cancel the account and open one with a better bank. Scare people into buying something they don't need. That has to be illegal