Why I Hate Chase Bank

Remember when our economy failed?  Like overnight, banks just disappeared?  Well, one of those banks that disappeared, though not overnight, was Washington Mutual.  Now, we’ve had our ups and downs with WaMu but for the most part, they were a really standup-kinda company and I really had no complaints.

Until Chase Bank purchased them.  Ever since things have been hell.

My payments scheduled through Bank of America, which I was told would have no trouble continuing to work as usual, stopped working.  No statements were being sent to my house so I didn’t even know something was wrong.  A few weeks before I found out anything was wrong, I called Chase because my cards weren’t working.  They had been flagged as being stolen, all three, even though I’d only been using one for international  travel accommodations.  I got that sorted out, asked if anything else was screwy and they said nope.

Came back to Missouri with phone calls from a collections agency!  My accounts were all late by a month.  One month and I’m in collections? WTF?!

I paid the accounts, explained what had happened, or what I presumed had happened.  They took it off my record, setup auto-pay from my checking account, all was good.

Until the next week when I got an email letter/phone call that I was still over due.  The last payments didn’t go through on two of the cards because she had transposed two numbers incorrectly from my Bank of America account… but only on two of the three cards.

They charged me $39×4… Basically $160 for their mistake.  That was refunded, they apologized, fixed it, done.

Two weeks later, letter in the mail. I’m overdue, no payments for two months.

WTF?!

I call, they say, oops, yeah that account number was written in wrong, waive the fees, apologize, setup auto-pay, get confirmation the account codes are working.

Today. Get a letter, payments rejected.  “Your bank states the account does not exist”.

Yes it does.

Call Chase.  They see no problem, states online that I paid the amounts required and they are not sure why I’m getting charged for return payments fees of $39 and $15 on each account.  Refund those charges and again state that this will never hit my credit report.  Apologies, etc etc.

Oops.  Not so fast,  payment of $210 is still pending, floating around.  Their solution?  Wait a month.

Why? So I can get ANOTHER $39 fee on that card?

Solution?  As soon as these three cards are paid off, they are going into the paper shredder.  Goodbye Chase Bank.  You have sucked enough life out of me, and I’ve only had you as my card since February or March.  Congratulations on the fastest piss-Justin-off time ever.

Catch and Release Phishing

Guess what, I’m a Central Bank customer.  Oh wait, no I’m not.  But some Phishing scam people are sending emails to people at Mizzou email addresses hoping that at least a few are members of the local bank.  They have created a site that sure does look like Central Bank’s site care of an address that appears to be www.centralbank.net but is really 

http://www.centralbank.net7idpersonalbanking-secure-survey-id-98275.50secure.net.jikao.com.tw/.https://www.centralbank.net/  

They ask for your login ID, I put in “calloway42” and hit login.  What do you know, I’m in!  

Notice the Phishing warning haha.  But I “logged in” and got to this next screen asking me for my opinion on some random things and then my account number, expiration dates and pin number.  

I’m pretty sure that I would need to provide a username and password to log into my account, at the least, and then they would already have this information.  With my bank, Bank of America, I have to have a user account ID, a pin number, a picture identifier and finally a code that is sent to my cellphone each time I try to log in just to make positively sure only I can log into my account.  If you want to do that, you gotta know those three items AND have my cellphone with you.

Oh well, it’s always fun to almost be phished.  Also of note, none of the phishing pages were secure.  Not the best phishing scam I’ve ever seen.

Ok, off to get my Lasik surgery!