Chase Manhattan Bank Complaint - Undisputed King of Customer No Service
A week ago I took a short weekend trip. I used my Chase credit card twice with no problem the first day. The second day the card was declined by two different merchants which shocked me since I knew I had only a small balance on the card and that my account was current. On my return I contacted them and the customer "no service" representative said they would investigate and get back to me. A few days later by email I was informed that Chase had reviewed my credit report and risk management had decided to close my account. I became a Chase customer as a result of the failure of WAMU where I originally got the card over two years ago. Apparently since I always paid the account early and paid more than the minimum I assume I was "risky" because I didn't generate enough interest to suit Chase. I never received any notice from Chase that they were cancelling my account. Guess they assumed I'd figure it out when they started declining my card. Chase declined to provide me with the name of the credit reporting bureau where they obtained negative information that caused them to close my account. After reviewing my credit reports from all three major bureaus there were no inquires listed from Chase since 2008! Not only are they a bunch of idiots, they are liars. I also had two separate checking accounts with them both of which had average daily balances above the balance I owed on the credit card so there was no way they were at risk for not receiving re-payment. I'm curious whether Chase is in such poor financial condition that they couldn't absorb WAMU's credit card customers. If you are wise you won't risk allowing them to be responsible for your money. I think anyone who willing does business with Chase Bank should immediately get psychiatric help as no sane person would do business with them. Seriously I think everyone should stop doing business with Chase and let them learn they aren't "too big to fail" and that it is darn hard to stay in business when you don't have an customers.
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