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chase id protection/chase fraud detector

ok the one thing i can tell u when it comes to chase is that u MUST pay attention to all the fine print and ur billing statements bcz if not u r going to end up a member of chase id protection or chase fraud detector or chase payment protector or chase rewards accelarator or some kind of extra service that u won't even know u have and the messed up thing about is i am the person u call to cxl these prgrms and i get commision if i can get u not to cxl this charge that u nvr auth in the first place but don't get the wrong idea this call center isn't the one that actually enrolls u it's card member services so when they offer to send u out an information kit they just enrolled u bam that easy. i do feel sorry for cus who call in who nvr auth the enrollment but u also have to be responsible and look at ur billing statements and not get poed at the rep trying to help u cxl the service be cuz we are not the one who enrolled u in the 1st place

chase id protection and chase frd detector retention cus serv rep of IA @ Nov 13, 2008 19:03:20 PM

CHASE CREDIT CARD-IF ANYONE HAS HAD PROBLEMS WITH..

I am so sorry to say that Case is the WORST credit ca to have. I

really think they should be investigated. They have a long history of playing trick the consumer so to speak. I was one of their victims. If I wasn't I would not believe half of the stories that have been on the internet about this company. Right now I'm trying to gather enough stories together to begin some kind of action against their tactics. Why? Because although I did (after months of tedious work on my part) settle with Chase , I am not a happy camper with the fact that they get away with what they do. Their staff is rude. They raise interest rates sky high over as little s one missed payment. They also, confuse people so much that they don't know if their ooming or going. In my case, they just for no apparent reason stopped sending me bills then charged late fees and over the phone fees and also hijacked my interest rates. They have to be stopped from this. People lost their homes because of these tactics. I'm sure you know "dead beat" customers from your "had for many years" good customers. If ANYONE has had a problem with this Company please send an E-Mail to BeachGirl54@gmail.com I will get back to you. I just need as much support as I can get (and I'm getting alot) as I'm going full force into making sure they cannot continue these practices. No Cost involved....I just need

your story. I'll take care of the rest. Thank You.

B.G. of PA @ Sep 27, 2008 17:35:16 PM

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

anonymous of IA @ May 06, 2008 05:11:53 AM

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

Alfred of CA @ Mar 21, 2008 12:45:19 PM

Credit card company arrogance

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

Dave Gustafson of OH @ Jan 04, 2008 21:14:08 PM