This Issue is Dead

I just received great news from the Better Business Bureau.  This issue has finally been resolved.  It is ridiculous that it had to take this long, but in the end I'm happy that it is over and I did not have to pay a cent more than what I should have paid.

Note to Self

Record all conversations with Chase.  It is imperative that all phone calls are recorded since simple request made by phone calls do not ensure action even with explicit acknowledgement from the employee.

Initial Credit Card Statements

I opened a Chase Amazon Credit Card only because 1.) Online Book Purchase are much cheaper. 2.) Amazon Chase offered a deal of $30 refund for opening a line of credit. Here is the first statement.

OK everything looks normal.  Books purchased and credit issued.  Great.

Next two months statement. Bad move on my part I missed the payment for October. In November I pay account over the phone.  I don't know what the charges are yet because I have not received my statement yet. I call and ask the customer service rep, "How much do I owe?  How much do I owe to pay this account off entirely and to close it?" The payment is made exactly in the amount I was told.  The account is thought to be closed.  The December statement arrives and I ignore it since I just paid it over the phone.  

Why was I told I owed $132.54 if that is not indeed what I owed?

This bill is paid off in November.

Eating my Time

All this should have been handled in December 2008 when the account was paid off in the amount given by the customer service rep at Chase. Fortunately for me right now being unemployed leaves me with time on my hands. I have been dealing with this since May 2009 or December 2008 depending on how you look at it. This account had paper statements coming in the mail up until the pay off date in December 2008. From that point forward the account was enrolled in paperless statements without my knowledge or consent. Anyone would conclude that after paying a credit card off and cancelling it, it would no longer be present or exist. That is what I thought and this was reinforced by the fact that I was no longer getting statements, like when the account did exist. What could possibly be hard to understand about that.

In May 2009, shortly after receiving this letter.  I came to the conclusion that 1.) My account had not been closed and 2.)  I had used the wrong credit card online in my February 2009 book purchases.

Since December I have not heard or thought of my credit card because I paid it off and cancelled it.  I now have this piece of mail telling me differently.
At this point I am furious that it was not cancelled.  I call to talk to the customer rep not to dispute the charges, I accept responsibility for not meticulously checking the account that was being charged on Amazon.  However I still do not understand how an account can be charged if it is cancelled. I call to take care of the balance and ensure that this account is cancelled.  You know like as in terminated, no longer usable the list could go on but the meaning is the same.

I ask, "How much do I need to pay in order to have this account paid off leaving zero balance?" OK  then I say, "I need you to cancel this account.  Make it so it is no longer usable, nothing can be charged on it."

Second Time I'll get it Right

After speaking with the customer service rep, well lets just say I was skeptical that it would be handled correctly.    So I thought faxing in a copy of my request would be best to assure the results of my simple request.  Well you know like back in November: pay it and cancel it

Here is the copy of that request.

Here is a copy of the confirmation letter.  I'm not sure but the Fair Credit Act says that you must respond to disputes. While this may or may not be a response.. I'm not sure, but it looks like you accepted the terms of accepting money.  Am I still waiting on a response?

Chase Video First Take

Fleecing of America

“A lot of people think that the president of the New York Fed works for the U.S. government. But in fact you work for the private banks that elected you.”

“To vote against confirmation could unnerve investors and exacerbate economic uncertainty in the marketplace, which is exactly what we do not need at this time,”

Correspondence Has Been Faxed

Thanks Fax Zero for the service. Linked in the sidebar.

Faxed Correspondence

I am writing to dispute a billing error that occurred on December 1, 2008. Please hear me out and try to understand my perspective of the situation. On September 1, 2008 I opened an Amazon Chase credit card to take advantage of the $30 credit offered for opening an account. At that time I made purchases totaling $117.19. and with the addition of the $30 credit, my account totaled $87.19.

In October I received my first statement which reflected this. In November I received my second statement totaling to $103.54 which was the $87.19 + $16.35 for late fees and finance charges. On December 1, 2008 my bank posted a debit to Chase Epay for $132.54. My third statement for December shows an opening/closing date as 11/03/08-12/01/08. How on December 1 did I arrive at a payoff amount of $132.54 prior to receiving the statement? One can only assume I arrived at that number from somewhere other than a paper statement.

Unfortunately I did not record the conversation, but I spoke to an account representative to arrive at that amount. I asked specifically “How much do I owe in order to have this account paid up to date without any balance?” and then I asked to have the account closed.

Here is where things become odd and you need to understand my perspective. I am now under the impression that this account is taken care of. (paid and closed)

In May 2009 I receive a letter from Chase dated May 6, 2009 saying my account is past due. This is when I begin to realize the mistake that was made by me processing a purchase on Amazon without meticulously checking which account was being charged. I inadvertently made the purchase on February 8, 2009 by clicking the “proceed to checkout” button, followed by the “place your order” button using the wrong account.

Again, let me restate I am under the impression this account is closed and does not exist. This belief is further vindicated by the fact that I was no longer receiving any paper statements. The Chase letter dated May 6, 2009, which presumably arrived after its inception, was my first trace of this account still existing. After paying off the Chase account in December, my account had somehow become a paperless entity.

May 23, 2009 the same procedure that transpired in December 2008 was followed to pay-off the Chase account. Only this time it was followed up with a fax to create documentation of the event. My February Amazon order total was $50.98, and the past due notice said the amount due was $51.26 which was confirmed by the Chase account service personnel, so that is what I paid.

My Fax correspondence was never responded to.

If my intention was to neglect this account, why did I call in May, 2009 and try to set the record straight?
How can this account be past due and at $300 today?
I would also like to add that all of my other credit is intact and has never received any negative marks.

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