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10 March, 2009

Chase Amazon.com apparently HAPPY to lose good credit customers

We'll see if this shows up on any customer support Google searches.

Today I closed my account with Chase Amazon Visa. I have been a customer of theirs for years. And I appreciated the benefits of the account. But I have a "code" of conduct that I hold to my providers, and today they made zero effort to comply.

This month, I lost my credit card. As a result, I had to have a new card issued. When I had the new card issued, it had a different card number. The result of this was that I did not receive a "Bill Pay" notification in my email about payment being due. And this led to me pay my balance about 2 days after the due date, such that it posted to the account 7 days after the due date. Of course, it is my responsibility to pay attention to these things, but in the past, when I have been a day or two late with payments (which has maybe happened 2 or 3 times in my life) the credit card company was always willing to reverse the fee, so I decided to call Chase, and explain the situation.

The response I was given when I called was that they would not reverse the late fee (a measly $15), because the error was my fault, not a bank error, and that there was no way to remove the late payment from my credit history.

I asked to speak to a supervisor, and I was told "We don't have supervisors who come to the phone. If you want to contact a supervisor, you need to contact us in writing." This is the most asinine thing I have ever heard, and I honestly don't even believe it to be true.

So, instead, I told them that I would like to close my account immediately, and the woman agreed without even trying to dissuade me. I actually questioned her, saying "You are actually willing to lose my business, after I have been a customer for all these years, with good credit, and always paying my balance?" She said, "I'm sorry sir, but there's nothing we can do. I will go ahead and close your account for you now."

Just like that. What kind of business practice is this? The irony here is that my account balance that was paid late was only $52 because I hardly use that card anymore. I didn't even really want to cancel the card, because it was my only true "Visa" card with rewards. My other card is American Express, which is not accepted everywhere. The Amazon card had a decent benefit of credit at the webstore. But I've got some principles. And when you have a good customer, that comes with a valid problem, and you make zero effort to accommodate? End of story.

If you're reading, Chase Bank, shame on you. There are not that many people with > 800 credit scores. You should probably try to hang on to a few of them.

1 comment:

  1. I had the same thing happen when I lost my card and a new "account number" was issued - my automatic payments did not transfer, and I now have that on my credit history as a late payment because I didn't notice it until the next cycle. But nevermind the past 13 years of paying on time!!

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