Comments on: “If you’re not happy, then I’ll close your account for you right now” http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/ Now We're Coming After You Tue, 18 May 2010 01:47:41 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Terry Adamik http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-1936 Terry Adamik Tue, 18 May 2010 01:38:28 +0000 http://www.changeinterms.com/?p=259#comment-1936 My credit limit has been in the 3-4k range for the last 10 years or so. In 2008 I went to war with Directv when they began billing me $100 for an early cancellation fee. It’s a long story that is curently being litigated by the State of Washington where I reside. Suffice to say that in late 2009 the charge appeared briefly on my credit report at all 3 major CPA’s. I was able to get the hit’s removed, but not before Chase lowerd my credit to $400. I called when a charge was denied, followed up on getting the info off my credit reports, and then called again last week and asked for my limit to be restored. My request was denied and they said I had to wait for the reason to be mailed to me. Today, I got the letter. It says that the reason for their decision was, “Too many recent requests for credit or reviews of your credit.” It also says that the decision was made in whole or in part based on information obtained from Equifax. I immediately got my online credit report from Equifax and looked in the inquiries section only to find that it says, “You have no inquiries on file.” WHAT IS GOING ON HERE? Seriously . . . if anyone out there knows anything about how this can happen please respond! Is it ok for Chase to just say that . . . even though it’s completely untrue? What could possibly be motivating them . . . and why not just tell me the real reason they don’t want to increase my limit? My credit limit has been in the 3-4k range for the last 10 years or so. In 2008 I went to war with Directv when they began billing me $100 for an early cancellation fee. It’s a long story that is curently being litigated by the State of Washington where I reside. Suffice to say that in late 2009 the charge appeared briefly on my credit report at all 3 major CPA’s. I was able to get the hit’s removed, but not before Chase lowerd my credit to $400. I called when a charge was denied, followed up on getting the info off my credit reports, and then called again last week and asked for my limit to be restored. My request was denied and they said I had to wait for the reason to be mailed to me. Today, I got the letter. It says that the reason for their decision was, “Too many recent requests for credit or reviews of your credit.” It also says that the decision was made in whole or in part based on information obtained from Equifax. I immediately got my online credit report from Equifax and looked in the inquiries section only to find that it says, “You have no inquiries on file.” WHAT IS GOING ON HERE?

Seriously . . . if anyone out there knows anything about how this can happen please respond! Is it ok for Chase to just say that . . . even though it’s completely untrue? What could possibly be motivating them . . . and why not just tell me the real reason they don’t want to increase my limit?

]]> By: JPMorgan Chase Card Services received a customer relationship award? Now that really is Priceless! – ChangeinTerms.com http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-43 JPMorgan Chase Card Services received a customer relationship award? Now that really is Priceless! – ChangeinTerms.com Wed, 07 Jan 2009 16:38:22 +0000 http://www.changeinterms.com/?p=259#comment-43 [...] and Shameful and Counterproductive.  From there, it may be useful for judges to review this post: “If you’re not happy, then I’ll close your account for you right now.”  Of course, if the judges aren’t into reading, they can see it on YouTube.  Here’s a [...] [...] and Shameful and Counterproductive.  From there, it may be useful for judges to review this post: “If you’re not happy, then I’ll close your account for you right now.”  Of course, if the judges aren’t into reading, they can see it on YouTube.  Here’s a [...]

]]> By: Your bail out money. Banks won’t say where it went. – ChangeinTerms.com http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-17 Your bail out money. Banks won’t say where it went. – ChangeinTerms.com Fri, 02 Jan 2009 14:50:17 +0000 http://www.changeinterms.com/?p=259#comment-17 [...] I indicated in my earlier post, I do think we should close the “bail out” account that we just opened for Chase, right [...] [...] I indicated in my earlier post, I do think we should close the “bail out” account that we just opened for Chase, right [...]

]]> By: Mad at your credit card company? Tell its affinity partners exactly what you think. – ChangeinTerms.com http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-14 Mad at your credit card company? Tell its affinity partners exactly what you think. – ChangeinTerms.com Thu, 01 Jan 2009 22:54:09 +0000 http://www.changeinterms.com/?p=259#comment-14 [...] If you take the approach suggested above you may be able to “leverage” your complaint.  If a person of authority with AARP, Disney, or Southwest Airlines, or Jeff Bezos with Amazon writes a Chase executive, conveying that he/she is “unhappy,” I’ll bet that he/she does not get a response like the one I discussed in the post linked here! [...] [...] If you take the approach suggested above you may be able to “leverage” your complaint.  If a person of authority with AARP, Disney, or Southwest Airlines, or Jeff Bezos with Amazon writes a Chase executive, conveying that he/she is “unhappy,” I’ll bet that he/she does not get a response like the one I discussed in the post linked here! [...]

]]> By: Joanne of Open Mind Required http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-8 Joanne of Open Mind Required Wed, 31 Dec 2008 00:43:21 +0000 http://www.changeinterms.com/?p=259#comment-8 Chase is the worst, and the rudest collections people are in Chase mortgage. I'm filing bankruptcy. Whenever I consider working my butt off to pay off my debts, I remember how much of my and your tax dollars are covering their losses, losses that normal businesses (such as my own insolvent one) suffer without government assistance. I had two credit cards with them at 29% interest and tried working with them to lower the interest so I could make some headway on paying down the debt. No deal. Then a vendor took me $4500 over my limit with an unauthorized charge and Chase allowed it. Any future earnings of mine are better spent in the economy with my fellow citizens than spent on interest for money borrowed that has long since been paid for in interest and now the bailout. The best way to hurt these banks is to pay off your debt as quickly as possible. That's also the best way to get back your freedom. Chase is the worst, and the rudest collections people are in Chase mortgage.

I’m filing bankruptcy. Whenever I consider working my butt off to pay off my debts, I remember how much of my and your tax dollars are covering their losses, losses that normal businesses (such as my own insolvent one) suffer without government assistance.

I had two credit cards with them at 29% interest and tried working with them to lower the interest so I could make some headway on paying down the debt. No deal. Then a vendor took me $4500 over my limit with an unauthorized charge and Chase allowed it.

Any future earnings of mine are better spent in the economy with my fellow citizens than spent on interest for money borrowed that has long since been paid for in interest and now the bailout.

The best way to hurt these banks is to pay off your debt as quickly as possible. That’s also the best way to get back your freedom.

]]> By: Aaron Wakling http://www.changeinterms.com/2008/12/30/%e2%80%9cif-you%e2%80%99re-not-happy-then-i%e2%80%99ll-close-your-account-for-you-right-now%e2%80%9d/comment-page-1/#comment-7 Aaron Wakling Tue, 30 Dec 2008 17:15:08 +0000 http://www.changeinterms.com/?p=259#comment-7 You know, I have to tell you, I really enjoy this blog and the insight from everyone who participates. I find it to be refreshing and very informative. I wish there were more blogs like it. Anyway, I felt it was about time I posted. You know, I have to tell you, I really enjoy this blog and the insight from everyone who participates. I find it to be refreshing and very informative. I wish there were more blogs like it. Anyway, I felt it was about time I posted.

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