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What is your rating of Chase Identity Protection?
Posted by Joe on January 12th, 2009
The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.
Q: What is the rating for Chase Credit Card's program or, do they use one of the programs you have identified?
A: We gave Chase Identity Protection five stars when we first reviewed the service in 2008. However, we found at that time that Chase's service is really more of a credit report monitoring service than an identity theft protection service. Like other credit report monitoring services, Chase gives you access to your credit reports and scores from all three credit bureaus and sends email alerts when any changes are posted to your credit file.
If you are concerned primarily with identity theft, we would recommend Trusted ID or LifeLock. Both services offer plans which will help protect you and your family from financial identity theft. If you would prefer an identity theft protection service that also gives you access to your credit reports and scores, we would recommend Identity Guard.
3 Responses to “What is your rating of Chase Identity Protection?”
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August 29th, 2009 at 9:42 am
I signed up for Chase Identity protection about two months ago. When I signed up on the phone, I thought my monitoring started then. However, I found out later that it doesn't start when you sign up; which is why I writing this. When I signed up, the person on the phone never explained to me that my monitoring does not start until, I receive my welcome packet and fill out a form in the welcome packet and send it in to request a credit report. I found out today, there is four ways to start the process of getting the credit report for Chase to start your fraud monitoring. you only find this out by reading the welcome packet. Most people, I think are like me, when signing up for a program, the person whom is explaining the program tells you all the important information about the program. Therefore, why read the welcome packet. (Naive of me and them)
For my naivete, for the past two months, I have paid Chase their money only to find out they were not even monitoring my identity. I was paying for nothing, and had I not call just because. I would have paid for years and not known that my identity was not being monitored.
So, I wonder how many other people out there that are paying Chase to monitor their identity for nothing. I feel this is another way that that big business is preying off of their consumers. Using the fine print to get over on a consumer. They will not call you to say, "Hey Sir or Ma'am, you are paying for a service, but we are not proving that service." " But, here is the reason why we are not proving that service."
I wrote this letter to try to get the word out to people just like me who was not explained that they needed to send in a piece of paper, change to online, or make a phone call to start their service of fraud monitoring.
However, when then they are monitoring your account, I think it is a great deal for a piece of mind.
December 20th, 2009 at 12:47 pm
I would not trust Chase at all. I had my wallet stolen with my laptop and they denied the claim. They made up several bullshit excuses. I have already started the word out and had 20 people tell me that they would stop using chase because they trust me.
I will work my ass off to make sure Chase looses as much business by word of mouth that i possibly can. They gave me several different stories on my claim and trust me this is not the type of bank I will ever work with again. I am going to call them again on Monday but I am sure they will not answer.
December 24th, 2009 at 12:31 pm
I'm canceling my Chase Id protection as soon as possible. I went to make a big purchase the other night and they placed a hold on my account because they believed this to be a suspicious purchase. This was not a big deal. The problem arose when I called and tried to fix the problem. I first spoke with an automated system and after verify my information it said the hold had been taken off. I tried to make the purchase again, and the hold remained. I called again and spoke with a person in fraud protection who said she couldn't access my information because another rep. had my info up, but if I didn't receive a call in 5 minutes to call back. I call back in 5 minutes and again verify my info with another rep, who says she didn't believe I was the account holder and couldn't assist me further and hung up! After speaking with several reps., none of which could answer why if I could verify my information the hold would not be removed, only saying to wait for a call, which even then they gave me varying times between: 5 mins., 1-3 hours, 1-2 days and 24 hours! I've even had correspondence with them via my registered email address and through their website and the hold still remains. Why must they respond to my emails within 4 hours, but can't call to fix the problem within a reasonable time. I am glad this happened before I needed the card during an emergency or while traveling out of the country.