Credit Card Companies Share Personal Information

Scary!

That is scary to learn that you really have no say in who may and may access your personal information. I suspect also the credit card companies limits there liability on its misuse from a partner.

Best Wishes,

<A HREF="http://Dividends4life.blogspot.com" REL="nofollow">Dividends4Life</A>

amazon is one of the worst offending scammers.

Credit card company arrogance

This is what you get when you let "George" handle things.

chase credit card = SCARY

it is scary because my credit card is not even active and they been charging me 11.99 every month for ID PROTECTION until some one called me and toled me that my payment is late and i have late charge the total of $51.47 the first thing was i cancel my card. after talking to customer service then with supervisor and hold the phone: he toled me they can do nothing and they dont know why they charge me, but they know that i have to pay $51.47

Heres the deal about Chase ID Protection

I am sorry for your experience with Chase, I work in a small call center in Dubuque Iowa and have the extreme misfortune of answering phones for Chase ID Protection and Chase Fraud Detector. I talk to at least 80 to 90 people per day who all swear they told the customer service They didn't want the service. I believe them because it is statistically impossible that they are all telling the exact same story. Unfortunately when customers call to cancel we are required to try and save them with chases scripting if we don't then we will lose our jobs, that is that. Chase ID Protection scripting goes like this

I am sorry you wish to cancel today may I ask why?

customer states reason:

I would just like to let you know that the reason we created Chase ID protection is because ID theft is one of the fastest growing crimes in the nation and anyone can become a victim at any time.......

It goes on and on and basically it is a scare tactic, as a phone rep I get yelled at daily, and realistically the best way to handle these Bullshit programs is to interrupt the operator after they hit their main script, then tell them you want to cancel and explain to them that you don't want the service.

at this point the operator is going to pause and look at how you were enrolled in the program (if they haven't already that is)

customers are enrolled In ID protection and Fraud Detector the one following ways

OBTM; Out bound telemarketing

STS: Sales to service

DM: Direct Mail

BT: Bang Tail

VRU: Voice Response Unit

OBTM means that they were contacted by a telemarketer and enrolled willingly (and most of the time unwillingly) If you honestly said no then what you do is ask for a supervisor and ask to have them pull the recording so you can here it too, once the recording is pulled and the find out you did say no they will issue all credits back to you

STS means the customer called customer service for something unrelated and given the sales pitch and enrolled willingly (and again most of the time unwillingly) If you honestly said no then what you do is ask for a supervisor and ask to have them pull the recording so you can here it too, once the recording is pulled and the find out you did say no they will issue all credits back to you

DM: is direct mail this one means they either sent a check or a gift card and the customer either used it or cashed it depending on the case. We are only allowed to issue one credit back for this type of enrollment so if you get a check by all means cash it then call in 14 days later and cancel then you get the money back for the charge and are ahead whatever the check or gift card was for.

BT: means that it was an extra piece at the bottom of the bill that offered you a chance to receive materials about the program (the catch is the only way to get the materials is to be enrolled in the program. (it is right there in very tiny tiny print)

VRU is when you call in and are talking to that stupid electronic voice and pushing the appropriate buttons, if it asks you if you want to hear about something say no or you will end up enrolled in the program

Don't be intimidated by their scare tactics, just stay calm because if you lose your cool it is easier for them to take the high ground and make you feel bad or win the argument. Here are questions that should be asked

1.) when was my service enrolled?

2.) How was I enrolled ? (we are not supposed to tell customers how they were enrolled unless the customer insists on the answer otherwise it will result in written documentation and eventually termination.)

3) What is your Name and operator number? (if asked we are required to give it out and IT SHOULD ALWAYS BE ASKED FOR AND WRITTEN DOWN FOR FUTURE REFERENCE)

Lets say your bill is showing a 7.99 charge for Chase Fraud detector (CFD) and an 11.99 charge for Chase ID Protection (CHIPS) and you call the 800 number for CFD and want to cancel both. The operator will tell you that they only work with CFD (A lie required by Chase, although they do not work with Payment Protector or Chases other Programs) and that you have to call the 800 number for CHIPS to get that canceled. Tell them you know they take both and you want both charges canceled (The operator will most likely pause but comeback with the same story, which they will do if they value their jobs) At this point remain calm and ask for a supervisor, explain to the supervisor everything you know and tell them you want both accounts canceled because you don’t want to wait on hold all day, they should oblige you at this point.

I hope this info can help you and others you know, and if it does please try to be civil with the operator who answers if for no other reason than it may be me on the other end and I was nice enough to give you all you need to fight these charges successfully