First Convenience Bank Is Not Only Not Convenient It Is Worse Than Inconvenient

In late February I blogged my disdain for First Convenience Bank and my realization I'd made a mistake opening an account there.

The issue at that time was my payment from Google that had been issued, but had not shown up in my account.

Eventually it showed up.

I opened the First Convenience account due to not liking how Chase Bank operated, changing the terms of my account with Washington Mutual.

So, before the Google incident, I'd told Big Ed I thought First Convenience would be convenient. So, he opened an account. About a week later he went to deposit a large check. He was told it would take 9 days to clear. The check was drawn on Wells Fargo, so Big Ed decided to forego First Convenience and open a Wells Fargo account.

Big Ed had opened the First Convenience account with just a $10 deposit. After he'd activated the debit card it did not work. The checks from First Convenience never arrived.

So, today Big Ed was in Wal-Mart and decided to get his 10 bucks back. And what does he learn? The debit card that never worked for him had worked for someone else. On the 23rd it was used to attempt to charge $75 and on the 26th it was used to attempt to charge $51.

First Convenience did not let these charges go through because Big Ed had not approved overdraft protection.

But, even though those charges did not go through, First Convenience charged Big Ed's account $2 for each charge attempt. So, his $10 had become $6.

He was given a number to call to get the other $4.

Now, why was Big Ed not notified of these 2 charges on his card? He was in the bank 2 days after the first charge was made on the 23rd, trying to deposit that check. Why was it not mentioned at that time that a $75 charge had been attempted on the account.

How did this happen? Big Ed was never able to use the card. It did not work. But someone else used the card's numbers, a card which had never been used, successfully, by Big Ed, to try and steal $126.

Why would the bank, today, not treat this like a serious matter. Big Ed told the bank guy that it would appear this would have to be an inside the bank problem.

Who do you call in Texas when you have a bank fraud deal like this?

A Cold First Sunday Of December With A New Bank To Replace Chase

The first Sunday of the last month of 2010 has dawned with the outside air heated to only two degrees above freezing.

That two degrees above freezing is scheduled to fall to below freezing later today.

Yesterday's hiking on the Tandy Hills went on way longer than I had intended. One reason was I'd stopped to talk to a pair of hikers. And their dog.

One of the things I mentioned to the pair of hikers. And their dog. Was that for the first month or so of hiking on the Tandy Hills I could get a bit lost. But that never happened anymore.

Saying that turned out to be a bit ironic, about a half hour later, when I found myself not exactly lost, but unable to find, on first try, the trail I was looking for.

Eventually I was able to escape the Tandy Hills and make my way to my neighborhood Wal-Mart Supercenter. As I was exiting Wal-Mart I glanced at the bank that is inside Wal-Mart, it being a version of the First National Bank of Texas.

I did not glance furtively enough. I found myself accosted by an African bank teller asking if she could help me. I said, yes, one question. Do you have free checking?

The answer was yes. She said I could open an account in 5 minutes. I hesitated for a second and then agreed.

About a half hour later I had a new bank account. The African bank teller was a little difficult to understand. She is new to America, having moved here from Sudan. Sudan is in Africa. North Africa.

So, now I can get rid of Chase Bank.

It will be much more convenient having my bank be in Wal-Mart. It is also in Kroger, walking distance from my abode. Which ironically is where I opened my WaMu account, after which WaMu left Kroger, making it inconvenient. And then WaMu went bad and was taken over by Chase which also went bad. But in a different way.

I have no idea what I am doing today, except for, I am hoping to watch The Amazing Race go to South Korea tonight, if a football game does not interrupt.

The Tandy Hills Helped Today's Existential Angst While Chase Bank Added To It

You are looking north on one of the long and winding trails on the Tandy Hills, around noon, today.

Even though it had been less than 24 hours since I had my mystical Tandy Hills encounter with an Aztec Indian, I felt compelled to return to the sacred ground, due to the extreme case of Existential Angst from which I am currently suffering.

Hill hiking seemed to help. A little.

I do not recollect a more perfectly temperatured day to be hiking on the Tandy Hills than today.

I think I already mentioned, in the blogging previous to this one, that I heard from Steve Doeung this morning. Steve wants to take me and Elsie Hotpepper to Vietnam. I mentioned this to Elsie. We both think this sounds fun. So, I guess it will be to Vietnam we shall go. But, not this weekend, not while I am having this Existential Angst thing hanging over my head.

Changing subjects. Today I got a letter from Chase Bank. I have long regretted the day Washington Mutual got taken over by Chase Bank. It's been like I was living in a democratic republic that was taken over by an autocratic monarchy, that one by one by one has been taking my WaMu freedoms away. And doing so with Orwellian verbiage that makes it sound like Chase is doing me a favor.

Today I learned that Chase is replacing my Free Checking with something called Chase Total Checking. Free Checking will now cost $12 a month.

I just checked to see how easy it is to switch my Google AdSense to a new bank account. It appears to be easy. Google is the only thing I can think of that might have presented a difficulty. Changing the bank account in other accounts, like PayPal, is easy.

So, I'm now looking for a new bank. It's the principle of the thing. When Chase took over they told WaMu customers our WaMu account's attributes would remain the same, only now with the protection of Chase Bank.

Anyone have any good bank suggestions? We can rule out US Bank.

Changing subjects again. I got a lot of good stuff. Again. At Town Talk today. Sushi was in the cooler again. And grape tomatoes. I got a lot of grape tomatoes. And dried pineapple. And a big bag of fire-roasted eggplant. Plus smoked Provolone.

I think it may be Town Talk that is making me FAT. Which is just one more factor in my ongoing Existential Angst.

Chase Bank Fun Walking The Mean Streets Of Pantego Because My Vehicle Was Held For Ransom By Iranians

The sign is a warning in Pantego's Bicentennial Park. All suspicious persons are immediately reported. Can't say I was not warned.

So, how did I end up in the Pantego Park? Well. I needed to drop in on a location in Pantego on website related business.

Big Ed needed to be in Arlington on non website related business. Big Ed needed a Big Favor done. I agreed to do the Big Ed Big Favor if he'd take my vehicle in for its emissions test and an oil change, something I do not like doing.

The plan was to drop me off where I needed to be. After I completed my business I'd go to the Pantego Park and read a book til the newly tested vehicle arrived.

On the way I needed to deposit a check. I went to the nearest Chase Bank. The ATMs were being worked on. The bank was busy. Continued on to the Chase Bank in Pantego. The walk-in ATM was out of service and the drive-up one had a long long line.

I decided to go into the bank, make the deposit and get that vexing missing VISA card thing taken care of. I blogged about my fun with Chase Bank a week or two ago. I said at that time that I knew going into the bank was going to turn into yet more silliness.

I'd been told all I had to do was talk to a teller. So, after the teller took the deposit I explained the missing VISA card problem. He listened and then told me this lady out at a kiosk in the middle of the bank could help me. I explained to her what I wanted. She then told me she'd get me a banker. She'd look at one and go, oops, he just got on the phone, after 3 or 4 oops, she led me into the cubicle of this guy named Brandon.

Brandon was very nice. We are doing lunch. He wants to know all about Google ads. I had to show ID, enter my PIN, twice, answer an awful lot of questions, then Brandon made a print out and sprinted across the bank to pick it up. Brandon told me, just like I'd been told before, that the new card will be sent within 2 business days. I asked Brandon for his number so I could call him directly when the card does not show up.

So, after spending way too much time in Chase Bank, it was off to South Pantego where I got dropped off. A half hour later I was in the Pantego Park, acting suspicious, while I read a book by Peggy Noonan.

An hour and a half later Big Ed called. He did not have his wallet. He could not pay for the oil change and emissions test.

The emissions testers would not let Big Ed drive to get me so I could pay for it. I figured I could walk to the emissions testing place, and get there, maybe, before dying from heatstroke. And so I took off walking at high speed. Distance seems way longer walking a road that you'd just driven on. It took me a long while to get to Bowen Street, to head north to Division. I was barely on Bowen when Big Ed called to say they are letting him go, holding his phone hostage til he returns with money.

About 10 minutes later, just as I think heatstroke was starting to happen, Big Ed shows up. I take over driving. The A/C quickly cools me down. We get to the place Big Ed took the vehicle to. Apparently he'd been there before for previous emissions tests. It's run by Iranians, or maybe they were Iraqis. I know for certain they were Middle Eastern and not very conversant in English.

So, I paid the ransom fee and high-tailed it back to the relative safety of Fort Worth, driving without worrying about seeing flashing lights behind me, pulling me over for having an expired emissions test sticker.

So, I am good to go emissions-wise for another year, when I'll be expired by 9/11. I think I've gained at least a half a year by always being late getting the emissions test.

Chase Bank & Its Idiotic Incompetent Texas Phone Bankers

It was 2 weeks ago today that I called Chase Bank because they'd sent a Visa card to my old address. I was told I'd get the new card at my new address in 2 business days.

Ten business days later I had not received the new card, so I called again.

Let me back up to say, prior to calling Chase 2 weeks ago, I'd tried to get the new card sent to my new address by using the Chase secure online message center. What I got from that was confused gibberish.

When I called 2 weeks ago and was told I'd get the card in 2 business days I could barely understand the person I was talking to.

Today's Chase customer service person was equally difficult to understand.

To get to the live person you enter your debit card's account number and your PIN. When I got the live person, I explained the problem. Of course she was terribly sorry and apologized profusely. And then told me she could not send out a replacement card because I was requesting it within 30 days of changing my address.

I then said that just 2 weeks ago this was not a problem and I was told a new card would be sent in 2 business days. She then got confused and seemed to be thinking I was requesting a replacement for a stolen card. I explained I did not ask for this new card, that it was Chase's doing, sending a Visa card to replace the MasterCard.

She then tells me she'll transfer me to a supervisor who may be able to authorize the sending of a new card.

I was now on minute 16, five minutes later, spent listening to bad music, the supervisor came on the line. Asked me my name. And my address. Questions already asked and answered.

I re-explained the problem. The supervisor then said she'd check the UPS shipping record. She then told me the card had been sent, via UPS, August 2. And was returned August 6 after 2 delivery attempts. Then she said someone named Trung had signed for it.

Huh? You just said it'd been returned. That seemed to confuse the supervisor.

Then she told me the card had been shipped to an address in Coppell. But I am in Fort Worth, I said. She told me she could give me the tracking info so I could see for myself the journey the card had taken. I asked, why would I want to see the tracking info for the card that was sent to the wrong address?

Then she said she'd cancel the card that went to Coppell because it had not been activated.

Then she told me she could not authorize a replacement card over the phone, that I would need to visit a Chase branch. But, 2 weeks ago this was not a problem. I was then told the phone banker had made a mistake and the card had been pulled after Chase caught the mistake.

Huh, again? You just told me the card had been sent to a wrong address and returned. Now you're telling me Chase had pulled the card. And that you are canceling the, uh, pulled card.

Anyway, it was all very aggravating. I asked the supervisor where she was located. Arlington was the reply. Two weeks ago it was Irving. Does Chase have phone answerers spread all over the D/FW Metroplex? At least the supervisor spoke somewhat understandable English.

I think Washington Mutual must have had its phone bankers based in Seattle. I recollect they always spoke very good English and were able to understand English and seemed to follow logical trains of thought.

I don't understand why Chase Bank has secure online banking and a phone bank system that has you verify who you are with your account info and PIN, only to tell you that this is not secure enough and this important business must be conducted in person.

The new Visa card is not my doing, it is Chase that decided to replace MasterCard with Visa, not I. It is Chase who has not been able to deliver the new card to the new address, not I.

If it weren't for the fact that the Chase account were tied to my Google account and it being a big pain to change the Google bank account, I would dump Chase.

I miss Washington Mutual. Such a well run bank til its meltdown. While a bank as badly run as Chase survives.

Well, Chase bank has now wasted at least 2 hours of my time. With me unable to assess them some sort of fee. My only recourse is to blog about the bad bank's bad operating procedures.

Missing Washington Mutual Due To Chase Bank Incompetence

I miss Washington Mutual. It was real easy to call Washington Mutual. The Washington Mutual ATMs worked real well. Unlike the Chase Bank new-fangled ATM's that vex me with way to many inputs needed.

A couple weeks ago I realized Chase had mailed a new bank card to my old address. This is the 2nd time Chase has replaced my bankcard since Chase took over WaMu.

This time it is switching from MasterCard to Visa.

So, I logged into my secure Chase account and went to their message center to tell Chase they sent the new card to the wrong address.

This began a series of nonsensical responses. The responses had the feeling that I'd reached a Ukrainian support center. I was told such a request could not be honored from an email, that I had to go talk to a Chase banker in person with 2 pieces of I.D.

I replied that that was ridiculous, that it was not a request made via email, that it was made using their supposedly secure online banking website. The reply to that told me that my account had been reviewed and confirmed a card had been sent to me June 28.

To which I replied that I already knew that, the card was sent June 28 to the wrong address. At that point, last Thursday, I decided to call Chase. That turned into the phone tree from hell. I got to the phone tree from hell after entering all the digits on my current card and the PIN. And then it told me my account balance. Which is not what I was calling about.

Eventually I got to an option to talk to a phone banker. After a few minutes a woman with an extremely thick Indian accent, that I had trouble understanding, asked how she could help me. After a lot of effort she understood the problem, said she'd take care of it right then, that I'd have my new card in 2 business days.

That was last Thursday. I still have not received the new card. I did get an email from Chase telling me that a new card had been sent and for me to activate it as soon as possible because my current card goes inoperative on September 15.

I'm assuming I'll muster the energy to visit the Chase Bank phone tree from hell again, sometime before September 15.

Oh, I forgot the most amusing thing about this Chase debacle. I asked the Indian accented phone banker where she was located. I assumed she was going to say India. Instead she told me she was in Irving, Texas. I said that's only a few miles from where I live.

Maybe I could drive to Irving and pick up my missing bank card. Or ride my bike. Or walk.