Plaidophile

First off, a month ago I withdrew some cash from a non-Chase ATM. The non-Chase ATM charged me $3, which I was expecting. Chase charged me another $2, which I was not, what with them loudly proclaiming many times that they don't do that.

Second, and more importantly, they never sent me a "your statement is available" email this month, which is what usually prompts me to pay my credit card bill (the last one I received was on 10/31). As a result, although my payment was due on 12/23, I didn't realize I hadn't made it until 12/24, today. I have gone through all my Procmail logs and have no record of them sending me a statement notification for December (although I have one for every other month). They did send me quite a few "important changes to your online legal agreements" emails but none of those had anything to do with alerts - just stuff like me agreeing not to "reverse-engineer the website" and other such nonsense.

I have a feeling they're going to charge me interest and some huge late fee. I already sent them a customer service message explaining the situation. We'll see how that goes.

Meanwhile, I checked my "account alerts" settings and it looks like somewhere along the line, all credit card alerts got completely disabled. I think they overhauled their alerts system, and didn't bother to reapply old settings. I think there will be a lot of people surprised by massive unexpected late fees. I think Chase will make a lot of money off of this.

Yeah, I know, it should be up to me to know to pay my credit card bill every month, but I've always just used the receipt of the "you have a new statement/payment due" email as a reminder. I guess I should just set this up as a recurring calendar item instead, because no way can I trust a bank to not screw up when their screw-up potentially costs me money.

5:35 PM Wow, this is surprising:

Thank you for providing me with the opportunity to assist you today in regards to your request to remove the late fee recently assessed to your account.

Please be advised that I have credited your account for the $39.00 late fee and this adjustment will be reflected on your December billing statement.