When there’s some miscommunication between your bank and your credit card company, you would hope that the two parties could act like professionals and sort it out — especially if they’re both part of the same financial institution. But that’s apparently not the case with Chase.
Consumerist reader Jason has both checking and credit accounts with the big bank. He’d even had another credit card account with the bank that he chose to close three years back.
All was going well until a couple months ago when Chase somehow reopened that closed credit card account, which was now showing a $350 charge.
So Jason called up the bank to see what in the world was going on.
“The guy on the line laughed and said it was a simple computer error and said they will send me a check to put back into my account to pay off the balance,” he tells Consumerist.
Two weeks later I receive the check and made sure my statement was still current. Yup… $350 charge still there. So I proceed in depositing the check and everything went fine. The balance returned to $0…then a big STOP PAYMENT! RETURNED CHECK FEE slapped my face as I wondered what happened.
I called again asking why this happened and I got the most hilarious response. In a nice way it was pretty much summed up to: “Looks like trolling.”
Right after they got the check deposit, they retroactively credited my CLOSED credit card account, making the check void. Then to recoup the cost of giving me the check, they slapped me with a fraudulent check fee of $10…
They wont refund me anything because the credit card and checking departments cant mess with each others’ accounts.
“It’s not me crying over $10,” Jason explains. “it’s the mere fact that I got COMPLETELY trolled. The only thing they said was, ‘This is something we can apologize to you for. Looks like a cruel joke.'”