We have never been late on a payment and paid more than the minimum. In April 2009 a Chase rep called to promote their "Rewards" service and said they would like to be our "primary" credit card. We asked if there was a cost, no, then we agreed. We didn't get a bill in May, my husband called and was told that we had requested an electronic bill. No, we never did that and no one ever advised us that we were being changed to an electronic bill. Chase said we e-mailed you bill. I looked for it and found it in the more than 350 junk e-mails. We gave the Chase Rep our bank acct number to have them take the payment directly from our checking account. She said she didn't need two number we gave her. We waited for the amt to clear our bank but it wasn't showing up.
We called Chase and explained the whole thing, gave them the bank account number again, they said it would take a few days to clear the bank and check of it to clear the following Monday. We checked, nothing. We had to call Chase again and give them the number again and it finally cleared. BUT, because they input the wrong number the first time, it was rejected, then by the time they finally got it input to our bank they charged us a late fee and increased our interest rate from 9.99% to 24.9%. We paid the entire balance off and will not use the card again. We also wrote to AARP about their association with a company like Chase who uses deceptive & fraudulent practices; we wrote to Chase Visa to request reimbursement for the late fee. Haven't heard anything from either. However, we copied our senators and congressman and President Obama.
We urge you all to do the same and contact the members of the US Senate & House Financial Services Committees and urge them to support the bill creating a new Consumer Financial Protection Agency. This committee would regulate credit card companies and prevent them from using deceptive and fraudulent practices. Power to the People!
Colleen of Manvel, TX March 16, 2009
My husband and I have a Visa card through AARP Chase. I charged .16 cents to this card to upgrade my IPHONE and they contacted me about possible fraud. I told them this was in fact my charge, they harrassed me with approximately 11 phone calls daily to speak to my husband who work many hours and is not available, even though we are both on the card. I had to change my phone number they harrassed me so much, now they refuse to send me a bill so i can pay timely and pay the card off.
Possible late fees, possible tag on our credit for fraud
Doris of Greensboro, NC March 5, 2009
I contacted Chase advised them I would be late. Gave info to them. they refused to work with me afer I had contacted their office 4-6 times. They kept added Interest rates and now I owe more than I ever obtained from them. I was told to pay up. I contacted AARP and told them they did not care about Senior Citizens either- They were as cold as Chase. I was diagnosed a diabetic last year and had a blood clot to hit my right eye year before..due from stress over this debt. My husaband was diagnosed with Cancer and had to have Chemotherapy. They were cold as ice when talking with them.
I had a blood clot that hit my eye and lost sight in it. Doctor at Duke told me had it not hit there I would have died immediately. All this from stress over this dedt with them and no way to pay it off. We live on Social Security and both os us are retired. Our companies closed. At our age, no one will hire us here in Greensboro, NC. I have thought about a class action law suit against Chase and all credit card companies that are this way. The interest jumps so hight that they are not willing to negotiate with anyone.
Crystal of Laurel, MD February 22, 2009
I have been a holder of my AARP Chase Visa credit card for almost 15 years. Not once have I been late with payment, and the majority of the time, I pay over the mininum due, just to keep my bills manageable. Recently, I was one day late on making my payment due to being ill. However, the payment (over payment) was made via the free bill paymemt over the phone, the next morning.
The following month when I received my bill in the mail, my INTEREST RATE WENT FROM 9.00%, to an INTEREST RATE OF 24.24%. I was so shocked, and called the customer service number. First, I get an individual who could hardly speak english, neverthless, me understanding her. After explaining why I was calling, the customer service representative RUDELY, told me because I was late by (1)One day, (2)My first time being late...AARP/Chase made a decision I was a risk,and had the right to change my interest rate. As another AARP Chase Visa customer indicated, I requested the card be cancelled, and I have mailed the cancellation letter out. But,the funny part is;the new bill for March has not even been recieved by me, but I AM ALREADY RECEIVING CALLS FOR PAYMENT. I would like to know what can I do about this whole situation?
Mayme of San Miguel, CA November 30, 2008
AARP Chase Visa sent me a letter in Nov 08, telling me that my credit limit had been lowered due to excess spending on the card. OK! I decided that since AARP lowered my credit card limit, I decided to cancel/terminate my credit card account with them. I sent them a very clear and explicit letter by certified mail stating that the account is officially terminated upon receipt of the letter I sent them and that I understand that I still have to pay off the balance that is due. I will be more than happy to make a payment of 75-100 each month until the account is paid off in full. I further stated that if I can pay more, then I will. I also enclosed a payment of 100.00 toward the balance of the account.
Even though I terminated the account I clearly know that BY LAw I have to make a payment on the balance of the account until the account is paid off in full. It is now Sunday, 30 Nov 08, I have received at least 3 phone calls from AARP Chase, harassing me about making a payment. After the first call, I called the Customer Service number and spoke with a really nice representative. He stated that he had received my payment and my letter and that he would make a note for the Credit Card Services to stop calling me. after speaking to him, that is when I received two more calls that were recordings.
The payment for December 08 is not due until 17 Dec 08 so I have plenty of time to come up with the money to make a payment to them. BOTTOM LINE: I want the harazzing, nagging phone calls to stop - period! It is uncalled for. I ALREADY KNOW THAT I HAVE TO MAKE PAYMENTS. When I get paid, I will send in a payment. But until then, the calls of harassment need to STOP! Thank you.
Results will be a screwed up credit line, which I do not want. If an attorney can contact me with a better way to resolve this matter, it will be greatly appreciated.
Barbara of South Laguna, CA November 19, 2008
repeated phone calls. 8 this week. I have listened to the end and have no recourse. I did find a person and she said she would see about discontinuing the repeated phone calls the calls are too repetitive in information. I need a way to respond I might change because of this. Secure Horizons was an ideal company before
Brenda of Cooperstown, NY November 16, 2008
Apparently AARP Chase plays gotcha! with their customers, a convenient way pad their income. It seems that payment date is a fluid term that they change to vary between 3-5 days. I routinely pay twice a month and triple to quadruple the minimum payment, yet Chase still thinks I owe them a late payment fee. With business practices such as these, I wouldn't be sorry to see them be the next Wall Street business to go belly up.
35 is the late payment fee, and the amount isn't so much the issue as Chase's temerity in their actions.
Francois of Statesboro, GA October 27, 2008
This was a promotional account and Chase never sent me a card. The interest was 0%. All of the sudden, they claim that my payment was three days late. They are now charging me a late fee as purchases plus the promotional interest of 8.99%. I also think that they are mad at me because they wanted to make some changes and I refused to agree with these changes.
I am paying now about 16.54 interest to them. What a ripoff!
Ron of Bayside, NY December 22, 2007
I have been a card holder with Chase AARP for a number of years. They claim that they received a late payment on the account which was mailed on time and well in advance. They assessed a 29.00 late fee for what they claim is a payment received 2 days late. This seems to be the norm with Chase; they pulled the same bad practice with a Circuit City account a year ago, claiming all kinds of late charges.
This late payment reported will impact an almost perfect credit score!
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