Brian suffered a couple of credit card maladies: Washington Mutual shut down his credit card due to inactivity and was stuck with a high interest report and credit report hit due to two missed payments in 2006. After Chase absorbed WaMu, Brian got on the horn and worked the customer service labyrinth until he fixed both problems.

Brian’s story of how he won, and then some, with calm persistence:

I had two issues with Chase and send an EECB to them as a last resort to clear up the issue. Here are the issues:

1) I had a WaMu platinum card and after months of not using it I received a letter in the mail stating the card had been closed. The letter arrived 14 days after the account was closed. I called and was told I could only get it by applying again. I spent a week trying to work within the system and finally gave up.

1) I had 2 missed payments reflected on my Chase Platinum account back in June and July of 2006. Although they should not have been reflected as late it was nearly impossible to clear them up.

WaMu Card Resolution (Now Chase Card): Finally I sent an EECB to Chase and I received a call from the Executive Team in regards to the issue. She reopened my WaMu account which was now a Chase account and set everything back to what it was. After all of this was done I noticed one thing. The APR was incorrect for this account. It was set at 0% Fixed! It is not a promotional rate it is fixed both for purchases and cash advances. It was a pleasant surprise!

Chase Card Resolution: I used the same EECB to address this concern. After sending supporting documents she removed the 2 late payments and had it reflected on my credit report which has now jumped 30+ points. I then called and left a message asking to have the APR corrected back to the 5.99% fixed it was before this happened back in 2006 at which time the APR raised to 27.27%. I received a message yesterday that she had fixed it back to 5.99% fixed and verified it in the Chase Online. She also let me know (without even asking) that she was crediting back the interest for the past 2 and a half years! Credit was processed for $1,474 in interest that should not have posted. Not a bad surprise!

Brian didn’t just make lemonade out of lemons, he made lemon sherbet. If this were a TV commercials this would be the point where the fine-print and low lawyer voice mumbled “results not typical.”

(Photo: epicharmus)

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