This will be a bit of a lengthy, venting post. Sorry. I hope this is the right forum.

Un-fun experience with a new Chase UA MP card for 20K - finally applied after multiple offers - as described in the sequence below.

1. Apply online, giving UA info, etc.

2. Receive card and call for activation.
Rep: "Is the name the same as your UA MP account?" It is not, so we decide to change the 1st name on the card to match.

"You can trial the fraud protection program...alerts for any suspicous activity...all credit agencies...no risk..." OK, may be worth a look.

Use activated card for a purchase, under $30. So far so good.

3. Fraud alerts. Within a few days get 2 separate fraud voice mails on different days.
"...request to issue a new card..." No other information.

4. Call "fraud." I call the number in the messages, partly to test the system. Why I am I getting these calls?

"What was the message?" Don't YOU (Chase) know???

"Well, they may be testing a new card." Is that the normal procedure???

"Or, they may want to validate a recent transaction." Really??? One rather low value purchase??? Don't you know why I was called??

"[...don't know...]. Maybe I should transfer you to security." OK. (this is the first I knew that I was talking with a generic customer care person)

"Security..." (he proceeds to grill me with a number of questions to establish my identity, including one going back 30 years or so). Look, I just want to find out why I got these fraud messages.

"What was the message?" [...around and around a bit as above...rep starts getting pretty snotty]. Can I speak with a supervisor?

"I AM a supervisor." How do I know YOU are legitimate and this is not some scheme to steal my ID?

"I have your account information. Maybe you should call the number on the back of the card so you know it is legitimate." OK - end call.

5. Call number on back of card. I want to find out why I got fraud alert messages.

"What were the messages?" [around and around as above, I don't want to tell them why they are calling me] OK, I give up, the messages said something about new card requests - who requested and where are they being sent?

"...don't know..."

6. New envelopes. Over a couple of days receive two new cards and a fraud protector package in the mail. Ah hah! That is why I got 2 fraud alert messages. Reading thru fraud package it seems alerts are only for activity on the Chase account - although they will help with ID theft if I report it to them.

7. Call Fraud. Used number in package. Why did I get these 2 voice messages?

[around and around as before] OK (giving up a bit again) maybe it has to do with these 2 new cards. Why did I get 2 new ones?

"...researching...Don't know. I checked and they are identifcal. You should destroy one.". OK (later I do destroy one)

"...and we blocked your account." What???!!! Without notification??

"You did not call us back. I can reactivate it now." Please do - and I certainly have been calling you back. Can I speak with a supervisor?

8. Supervisor. (One pretty nice person actually comes on the line after a short wait.) Can you tell me why I got these alerts?

"What was the message?" [...around and around again...]

"Well, these messages are sent by an automated systems based on triggers you select." It must have been the default triggers; I had not selected any yet. Don't any of you know that these messages are sent and why???

"It is a different system." And, it appears this protection program alerts only for this one card account!! That is not very useful for fraud and ID protection.

"We will help with all your accounts." OK, this program is more hassle than it is worth. I have spent a lot of time on the phone and no one seems to know what is going on. And the protections seems not that valuable. AND you blocked this account without letting me know. You need to work on your processes, people and systems so you can answer my questions accurately. Please cancel.

"...OK. Your bill has not gone out yet. We will cancel the charge." (I can't wait to see) Thanks, end call.

8. New letter next day. "...we had an incorrect UA MP number...UA MP provided...your correct number...we have updated our files...sending you a new MP credit card." (Oh boy, sinking feeling. I look at the card I have. It has a weird MP number starting with "03..." I fish fragments of the destroyed one out of the trash. Sure enough it has the correct MP number. This rankles a bit too, since twice I gave them my UA MP number.)

9. Call again. Call number on letter: What do I do now? Can I use any of the cards - they are all the same account number?

"You should use the one with the correct MP number. We will issue a replacement that will arrive 3 - 5 days..." (At least if I get no new fraud alert that may confirm that was actually cancelled)

10. Score so far.

- 3 cards in hand at some point
- one under $30 charge
- no MP miles posted as yet ("4-6 weeks...")
- no usable card
- much time spent on phone
- Chase reps seem mostly clueless on what is happening

I await developments.