Chase Bank debit: Do you have any idea what you're doing?

2oldman wrote:
Not a problem here...I like that. I made a large purchase in Nashville (wayyyy away from home). I immediately got a text from Amex to just reply Y or N. I don't see why that's a problem.

Part of the problem in this thread is that you are not reading the information being supplied.

What if: The person who stole your CC also has your phone and answers that question for you ???????

Nobody can tell you why they waited so long because the exact algorithm they use for amount, frequency, distance, etc. is a secret.

I use Chase and have never had a problem like this. But, I get an email notification of a secured message, I log into Chase and read it, then I call and resolve the issue. Takes about 5 minutes.

But, I suppose I could play the martyr and wait for them to call me and not have access to my money during that time.

Then I could blame Chase and transfer my accounts, re-establish my bill pays, etc., so that I don't have to deal with Chase's idiocy anymore.

Hmmm, 5 minutes of inconvenience to days of inconvenience and lots of extra work...

much about nothing .. they contact you asking to call them Why? it doesn't matter, maybe they wanted to verify you were traveling and where etc. not everything can be done with texts . You ignored them and continued to attempt to use the card . they locked it down. your unhappy and change banks and warn us. All Good... I wont use Chase , I have and don't like them for other reasons. Your situation will never happen to me because I would call on the first decline and handle it . many others would do the same! Anyone who would react to the situation as you have .. well they have good info to avoid Chase ! Seems like all is good

I understand and sympathize with the OP's issues. When you notify a bank of your movement plans and dates, and they still do stupid things with your account, it's time for you or them to do it differently. I've had a running fight with USAA bank for about 3 years about the same issues. They'll freeze the card for a $200 charge in Walmart, when they formerly never twitched for a $450 fuel charge. I've even gone so far as assuming all responsibility for card charges. That worked for one trip then they were back to normal (AFU). Repeated calls to their Fraud Prevention supervisors finally got things working most of the time. It appears they've finally changed their fraud model and things are now working fully.

My suggestions for the OP:
Get a direct telephone number for the bank's fraud prevention department from an independent source (Internet) (or your local bank).
When they call you, call them back on that number, not the one they give you on the phone/message/text.

Write a detailed letter to the fraud prevention VP about your problems and request they tell you how to solve them. Give them a secure way to respond to your letter.

Get to the nearest LARGE Chase bank with all your ID info and documentation of your issues with them, and sit in that banks president's office until (s)he gets things straightened out.

There's no need for this mess but it's on their head to fix it. If not take ALL your marbles and go elsewhere, but make sure they know why you're leaving.

msgtord wrote:
If you use a debit card at an establishment that a thief has set up a skimmer to get your information, your account can be emptied in a matter of hours and you will not be reimbursed by the bank. Especially if you refuse to return phone calls to verify purchases.

I don't think there are too many banks that would allow that and then tell you "tough." I have all kinds of text alerts to tell me my accounts are being used.

If I refused to return phone calls and my card is locked, how is a thief going to use my card to empty my accounts?

msgtord wrote:

You being stubborn may cost you an empty bank account.

"How?"

If you use a debit card at an establishment that a thief has set up a skimmer to get your information, your account can be emptied in a matter of hours and you will not be reimbursed by the bank. Especially if you refuse to return phone calls to verify purchases. It is always best to only use a debit card at locations you know and trust. Any other locations you need to use a credit card. American Express may hot be concerned about your purchases unless you find a fraudulent charge and contact them.

After the first decline WHY didn't YOU call number on your card and inquire?

And when YOU call they (bank) VERIFY that it is indeed YOU then they (bank) can resolve issues for you. Simple.

2oldman wrote:
....... Why? I don't know - I'm just stubborn about that. If you want to talk to me, then YOU CALL ME.
............

I would never speak to someone who called me about credit card information. We had a similar situation a few years ago. A quick phone call to the number on the back of our card insured it was a valid phone number and the situation was quickly and easily resolved in a matter of minutes.

K Charles wrote:
I have had Chase for many years, not debit, and they have never called me.

They used to call me almost monthly ... trying to sell me some CD or investment vehicle paying 1%.

K Charles wrote:
i don't think I would call the bank on the phone ether, how would they know it was me anyway?

Exactly.. why is a phone call so sacrosanct? It's they who need to get with the program.

Well, I would never use a debit card to begin with...

That out of the way, I sorta do understand your frustration with the fraud detection system. I've had great experience with BOA who have very reliable models, at least for me. Never told them my travel plans, they just figured it out. And correctly too. And they also stopped multiple fraudulent charges, so they're not just approving everything.

Conversely Citi started texting me and phoning within minutes the first time I tried to fill the MH. I did not respond for quite some time because I had already filled up with a different card and was back on the road driving.

I want a bank that understand my patterns, not a nanny I have to report my movement to.