Maybe Chase can change or has changed the system.

I am just repeating what a slew of people went through last year and the year before and the year before and ...

Remember the guy whose card was stolen and a fraudulent charge put him over $3k or whatever? Even though reversed and refunded immediately, he ended up with a CP for something like a week plus a year.

What Chase says, either verbally or in writing, and what actually happens are not necessarily the same.