I have a Master Card issued through Chase Bank. Twice in the past week it was denied. I called today to determine why.
After contacting the Customer Service Department, I was told I had a past due balance.
No problem, said I, I will pay the balance online. The Customer Service Representative said that he could make the payment for me by phone. I declined his offer. I told him I would prefer to do it myself online.
The Customer Service Representative repeated his offer and I repeated my refusal.
I then went to make the payment online. Only to be told that a payment was already made.
Since I did not authorize one, this was disconcerting. I called Customer Service told them I wanted to know who authorized this payment. They told me I did.
I told them I did not. I demanded that this payment be reversed and wanted to know who authorized it and why.
They said the payment could not be reversed. I demanded to know why and to speak to a manager.
After being transferred several times and being on the phone for 45 minutes I was told that I would have to call back tomorrow to get this payment reversed!!
This is the most incredibly inefficient, bureaucratic organization I have yet to deal with and I've dealt with quite a few. Some have even resulted in me suing the companies.
The moral of this story is be very careful in your dealings with Chase Bank Master Card. Needless to say I will pay off the balance and cancel the card.
Has anyone else had such a problem with Chase?