I usually try to resolve a problem over the 'phone before I do anything else ('cause it is easy) keeping a log of my call in the file. But, if it doesn't quickly get resolved I don't make any more calls.

Instead, I write in using U.S. mail because that is the ONLY way to get the protection of the Federal Fair Credit Billing Act. And, it is too easy to let the sixty day time limit for disputing billing errors go by. While the dispute form you get from the bank, sometimes, when you have a phoned in dispute may cover the notify by mail requirement, many of the forms are biased against the customer so I prefer to send my own letter.

You may have to notify Chase (sorry to hear it is Chase--they don't have the best rep) by two letters, one on each acct, to be sure you are completely covered.

Let us know what develops.