Chase keeps sending me these checks to get me to enroll in one of the various services they offer, like their “Chase Fraud Protector” service. The deal is that depositing the check causes you to be enrolled in the program automatically, and then if you cancel within a month they don’t actually charge you anything.
I have no interest in using any of these services, but I’m not going to turn down free cash, so I usually deposit the check, wait a few weeks, and then cancel the service. When I do that, I usually make up some innocuous reason why I’m canceling (e.g., “I’ve thought more about it and decided I don’t really need this service”). This time around, I decided I had nothing to lose by being honest, so the conversation went something like this:
“Would you mind telling us why you’re canceling your Chase Fraud Protector membership?”
“Well, can I be honest with you?”
“As long as they keep sending me the $15 checks, I’m going to keep depositing them.”
“Chase sent me a check for $15, told me that if I deposited the check I’d be enrolled in the service automatically, and told me that if I canceled within a month, I wouldn’t have to pay anything. Why should I turn down free money?”
She thought about it for a second and then cracked up. Apparently, she didn’t know that’s how Chase gets people to enroll in the service. She said no one had ever told her before that’s why they were canceling. She chuckled for the rest of the call.
Near the end, I told her, “You know, you can feel free to tell them to stop sending me the checks,” to which she responded, “No, no, that’s quite alright.”