Long story short, I was charged a small dollar amount from a vendor back in May and didn't pay it any mind since it was less than $5. They did not charge me anything after that until last week, when they submitted two charges two days apart, and the charges were for a MUCH larger amount. We're talking hundreds of dollars.
I noticed the November charges and reported to Chase that I didn't recognize the vendor, don't have record of ever making the charges, and believed them to be fraud. Googling the name of the vendor on the credit statement comes up with nothing.
Chase is telling me they can reimburse me for the small charge in may but that I'm SOL on the bigger charges in November because I failed to catch the first charge within 60 days. I'm SOL on any future charges this vendor makes because of this as well. I've cancelled the card and they've flagged the vendor but that's all they can do.
Is this standard policy at all banks or is this just a Chase thing? The logic is ass backwards to me... I expected them to say "good job for catching the November charges within 60 days, we will fix that for you, but you're too far out for us to do anything on the May charge".
I noticed the November charges and reported to Chase that I didn't recognize the vendor, don't have record of ever making the charges, and believed them to be fraud. Googling the name of the vendor on the credit statement comes up with nothing.
Chase is telling me they can reimburse me for the small charge in may but that I'm SOL on the bigger charges in November because I failed to catch the first charge within 60 days. I'm SOL on any future charges this vendor makes because of this as well. I've cancelled the card and they've flagged the vendor but that's all they can do.
Is this standard policy at all banks or is this just a Chase thing? The logic is ass backwards to me... I expected them to say "good job for catching the November charges within 60 days, we will fix that for you, but you're too far out for us to do anything on the May charge".
“There is no red.
There is no blue.
There is the state.
And there is you.”
“As government expands, Liberty contracts” - R. Reagan
There is no blue.
There is the state.
And there is you.”
“As government expands, Liberty contracts” - R. Reagan