Complain about a product or service

Chase Credit Cards

Debra of Coldwater MI (07/04/08)
I paid off my account in June. I was told there was a difference of $30.59 and I paid it on July 1,2008. Now I'm told I have interest of $35.81 on the amount I just paid. I was told by a manager that I have to pay the interest on the $30.59 or more interest and late fees will be applied. I closed the account. I don't understand why such high interest is due on the amount I paid. I've been paying interest right along. The person I talked to was not friendly when I told her that I don't understand how credit card companies can get away with charging such rediculous interest rates.

I'm on a fixed income and that's why I got a debt consolidation loan to pay off the credit cards and be rid of their high interest rates. I thought I had Chase taken care of, and now I have to see how to budget in another payment to try to be rid of them. I think they're being unreasonable.

Joy of Bronx NY (07/04/08)
I just called Chase Customer service 10 minutes ago regarding my husband's credit card. There was a 7.93 Finance charge in the statement and i asked why when i almost paid in full my last month's bill which was 409.51. I paid $400.00 instead of $409.51. I get a $7.93 finance charge for a $9.51 balance? She said that it was also the interest for the new charges which is not yet even due till the end of this month.

The customer service said that we have already been on the phone for 6 minutes , then 10 minutes. I did not know that there was a time limit if i needed to ask about our account! This is the worst customer service representative i've talked to. I do not know how Chase can even have credit card customers!

Karen of Mesquite TX (07/01/08)
I had already closed my account over a year ago when they were going to raise my interest rate to over 30%, nothing to do with this card but due to a late payment on another account. I closed it and am paying the balance.

Today I found myself charged a $65 annual member fee even though my account is not current, when called they say it is because I have a balance and so I have the member benefits, the only benefits are theirs and another way to make money with hidden fees from their cardholders

Mark of Honolulu HI (07/01/08)
I recently went on a trip overseas and my card was disabled after I tried to make a cash withdrawal. Their fraud reporting is only done by telephone and since I was overseas, I was by definition not near my phone. Since I did not inform them that I was overseas, and since I did not call them, my card was disabled. All the automatic bill payments that went to my card were rejected while I was overseas. I have asked, and apparently a number of people have asked for e-mail notices and not phone calls.

As a computer programmer and system administrator, I know for a fact that automated voice is significantly more difficult to program and support than e-mail. I don't understand why they cannot make that either an option or an all out change. Even though I was overseas, I was able to read my e-mails. This fraud service is a negative service, they charge for it and it does nothing because the fraud department and the customer service department seem to be unrelated. I called customer service about this, they forwarded me to the fraud department, who then said that they cannot do anything and that I should call customer service.

When I called them back, I was told that I should be speaking with the fraud department, and before they were able to forward me again, I asked for a Supervisor. This supervisor, who I thought was rude because I wanted to speak to someone in IT, he said that nothing is going to change so I should stop insisting. He did, however, said that I should call them that I am traveling and they would flag my account as likely to have unusual activity and they would let that through. For this time around, he would send me a letter that I could send to any credit agencies to get my record corrected since it was Chase that suspended my account and not by any fault of myself.

I guess that doing this might have me flagged as a problem customer, and thus I don't know until the next time I check on-line. They also have a problem with their on-line system that you can only have one computer registered to the on-line site. Thus if I want to do anything from the office, I can't do it from home and vice versa. They seem to be unable to let you access from more than one computer.

I return home to late notices on a number of bills that I thought were still being paid. Luckily none of the 5 bills that are regularly paid via credit card had reported me to a credit agency.

Helle of Johnson City NY (07/01/08)
chase lured us in with the o% interest for the life of the balance that is for balance transfers. We schedule our payments automatically online with our bank, chase kept changing our due dates causing our payment to be late. Or they would take 2-3 days to post a payment that was sent with our bank electronically and delivered on the due date, there by charging us the $39.00 late fee and increased our interest from 0% to 29.99%. I called them about this they refused to do anything about it I asked for a 10 day payoff quote and paid off the account and closed it. Chase is unbelievable greedy....normally the credit companies does not charge a late fee or increase your interest rate if your payment is 1 day late chase will.

I just applied for a card with circuit city and just got it in the mail today...guess who? you guessed it. I am going to call and cancel it today! and call circuit city and explain to them why I don' want to carry their card being backed by chase. Maybe if we all voiced this places like amazon etc will get the hint. I Encourage everybody to go to bbb and file a complaint against chase and make sure you check out a business there before you accept their credit.

Sue of Davisburg MI (06/29/08)
My husband has had a Chase Mastercard since the early 70s. Recently we've run into some financial difficulty. Last month, Chase called and offered a payment plan until things get better for us. I agreed to the payment plan. However, 2 weeks after the 1st payment was made, they started calling our house. They call at 8:00 am, they call at 9:00 pm. Some days I have 17 or 18 calls from them on my caller ID. It doesn't matter what day of the week it is either. Today, (Sunday), they started calling at 8:15 am. They're driving us nuts. We haven't used the card in over a year, but at 31% interest, we go over the limit every month. We've called and asked them to lower our interest rates, but they refuse.

I've threatened them with a law suit for harassment, but it doesn't even phase them. Since June 25th, I have 32 calls logged from them, including 3 already this morning and it's only 10:00am. If I had the money, I would send it to them, along with the card cut up in little tiny pieces. I will never do any kind of business with Chase again.

Beyond the constant harassment. The economic hardship is beyond repair. We make $350 payments to them every month, but because of the interest rate, the balance only continues to go up.

Judy of Spokane WA (06/18/08)
I was charged $39. for a late fee because my payment was 2 days late. It was late because my due date for June had changed to June 3th when in May the due date was May 4th, and April it was April 8th. Adding insult to injury the next statement I received had an additional $96. late fee. When I called regarding the second late fee I was told that because of the late fee I now had a 13.99% interest rate (as opposed to 0%) and I was being charged the interest EVERY DAY since May 14th, when the previous statement had ended, until I actually made my late payment on June 5th. They felt sorry for me and removed the $39. fee but said there was nothing they could do about my $96. interest rate penalization.

Furthermore, my interest rate will stay at 13.99% because I've lost my 0% promotional fee due to my late payment. I begged them to see if there were something they could do about it and reminded them that I have been a very good customer for years with no late payments. I have 3 other Chase cards that I've never been late paying and I've been with Chase since the 80s. They said they couldn't do anything about it. I then told them that I would have to pay it off in total and close it and all of my other Chase accounts but they still didn't care and wouldn't remove the $96 fee or return me to my 0% interest rate. Also, my due dates have fluctuated many times over the year.

I now have an interest rate of 13.99% and I have to shell out $96 dollars not to mention each month I will now have a large interest rate charge.

L. of Calexico CA (06/17/08)
Ive had a credit card for several years and have never been late in paying it. This month the payment was due on Sunday, June 1. I went online on June 1 to transfer the money from my Chase Bank account to my Chase credit card which I have done numerous times before. It has always been transferred on the same day. Well, it told me I couldnt do it that day because it was the week end. (Since when do computers know the difference between Sunday and Monday!!)

I thought, okay, I guess they accept the payment on Monday as it is the next business day. No, they charged me $39 late fee and hiked my interest up 10%. I have the print out that shows that I did the transfer on the 1st of June but it wouldnt let me put in the 1st of June as the transfer date because it was a Sunday. I called twice and my husband called once and they said there was nothing they could do even though they admitted that I had never had a late payment. If that isnt loan sharking I dont know what is.

As a result I am now having to pay $150 more in interest per month than I was before.

Susanna of Clarksburg NJ (06/16/08)
On 03/11/08 I called the company and spoke to Adeel regarding a 1.99% fixed APR that was offered. He informed me that there would be a $75.00 transfer fee in addition to the 1.99% but there would be no other hidden fees as long as the loan was repaid by 08/29/08. I then did a balance transfer of the offered $35,000.00.

When I received my next bill on 04/08/08 I called to inquire as to how much needed to be paid in order to keep my account current (I have always paid each months balance in full). I spoke with Darla, Nicole Chapman & eventually a supervisor Shelley Clevenger that any monies that I pay go against the loan amount and not my recurring monthly charges. I than told them that I felt I was misled & I would immediately repay the $35,000.00 which I did that day. I was assured that all associated fees would be re-imbursed.

When I received my next statement I called and spoke with Sandra Branch to verify what I needed to pay in order to insure that no fees would remain outstanding. I was told that $1,897.95 would pay my outstanding balance in full (not new charges). My next statement revealed a previous balance of $5,150.40 and payments received of $5,150.40 and a past due amount of $0.00 however I received a finance charge of $25.42. I immediately called & spoke with Omari who refused to allow me to speak with a supervisor even though he was difficult to understand.

Eventually I spoke with a supervisor who said that no additional fees would be reimbursed & that I need 2 cycles paid in full before finance charges were no longer charged. I complained that I was not informed of this when I spoke with Sandra Branch last month. She informed me that it was not their responsibility to inform me but that I was responsible to read my agreement. I told them that I was very disappointed & that I had been an excellent customer for years & this is a business account that they obviously did not value.

Many time consuming phone calls plus the $25.42 which was not reimbursed.

Judyth of Sumter SC (06/11/08)
When attempting to process an online payment, I called to clarify that a savings account could be used in lieu of a checking account. The person told me it didn't matter what type of account it was. The payment didn't process and came back account not found although the numbers were correct. I was charged a late fee and a return payment fee of $29 each. The late fee they gladly refunded but they stated that they would forward my request for the other fee to be refunded to the proper dept. That dept will not refund the fee and continues to charge me monthly fees against it. I have paid the account in full and requested numerous times to have this fee removed. Now they are just rude to me about it.

Consequences are that I have to make the minimum payment or my credit will be ruined. I don't want to not pay it and have derrogatory credit report so I have paid the minimum $10 for the past 2 months hoping they would take care of the fee and they won't. This was their error, they have an employee who gave me erroneous information. The account is paid in full except for this fee!

Angry of Richardson TX (06/10/08)
Chase Freedom VISA Card say they will give you reward points, but they never did. They say it takes 2 weeks for them to send the check to you in the mail. Guess what? After 1 month, the check is still not here. After calling the customer service, it will take them another one month to research, and after that, they said it will send another check which will never be here. Very dishonor people.

Missy of Decatur MI (06/10/08)
My elderly mom fell behind on her payments because of illness. She tried to pay what she could but they wouldn't accept it and kept raising her payments and charging late fees. She is now 86 years old and they are trying to sue her. My husband is a disabled veteran and has a chase card. He lost his job last year and we went through a credit counseling agency to get the bills paid in good faith. Every other creditor has let us be on a payment arrangement. Not Chase. They now have our payment from $200 a month to $800. They told us we could pay on payments but customer service made a mistake and they charged us 3 months late fees.

Our card had a balance of $4000. Now it is up to $7000.and we have been making payments! It is simply from late fees and over the limit fees. They will not work with us to help-at all. My mom had a balance of $1200. now it is up to $3000, with the same problem. They have never let her on a payment arrangement even though she went in a home. I would never recommend [Chase] to anyone and we are letting our friends and family know. They are appalled by this treatment.

We have lost thousands of dollars, even though we have tried so hard to pay our account and got it down under the limit. They kept adding charges regardless and would not help us-at all.

Mr. of Culver City CA (06/09/08)
My due date is June 9, 2008. I am trying to pay my bill today June 9th. But they stop receiving payments day of, as of 4pm eastern standard time. I live on the pacific. 3 hours before. so that mena 1pm Pacific Standard Time. Regardless. If I am on time (today) trying to be good about paying my bills on time then I should be able to make a payment the day off without penalty. But CHASE credit card thinks otherwise. They say, if you want to make a payment online, then you can force the payment to post today (June 9th) but that will cost you $14.95 convenience fee.

Im on time, Im paying today. The day June 9th doesn't end until 11:59 and %9 seconds right before midnight. This is highway robbery and if thats wasn't enough my due date keeps changing from the 9th to the 10th, so that I can never pay on time if I wanted to. Im sick of the Credit Card companies abusing their power.

of course Im paying more a month now to make a payment that is on time. I live in Los Angeles, so Im paying for the 3 hour difference. Its still today until 12 midnight.

Sean of Bloomingdale NJ (06/03/08)
A year or two ago I had Lasik performed on my eyes. The institution performing the surgery was offering a 0% financing option through Unicorn Financial, so I opted to go with them. My bank offers an online bill paying service, so I set the Unicorn payments up online to reoccur each month well in advance of the required due date.

At the beginning of this year, I started to receive letters in the mail announcing the fact that my account was no longer being handled by Unicorn, but instead by Chase Health Advanced starting in April. Assuming that my account information was going to change, I deleted that account information from my online automatic bill payment service. Unfortunately, I failed to properly recreate the account with the new Chase information, and as a result my April installment was never received.

On Saturday, May 3rd, I received my April statement (which I opened on Sun May 4th), showing an outstanding balance for the previous month of March. Shocked, I quickly went online, rectified the account information, and scheduled an electronic payment for the previous month, along with the present month's charges, and a $39.00 late fee, which was to be sent out the next business day (May 5th). Being the statement said that I had until the 28th to may these payments, and that there was nothing annotated anywhere that the payment was due immediately, I assumed that the only penalty for my administrative mistake was the $39.00 late fee. On May 14th, however, I received a letter simply informing me that my promotional program of 0% financing had been terminated due to a delinquent account.

 Perplexed as to why they did not receive my payment that was dispersed on the 5th, I called them the next day. Much to my dismay, the CS rep tells me that my promotion was cancelled on the 10th, they processed my check on the 12th, and sent the cancellation notice to me on the 13th, which I received on the 14th. It seemed really odd that I received their cancellation notice in 1 day, but yet they did not get my check for seven days, until she told me the amount that I now owed in back interest: $1200! Of course I challenged the validity of the cancellation, due to the fact that the only penalty reflected in my statement was for $39.00, that a termination date of the 10th of May was not disclosed, that I was mislead in believing that I had until the 28th to rectify the situation, and the fact that despite this clouding I still sent a check for the full amount next business day. This, coupled with the fact that it occurred during the first month in which changes to my account had taken place, and the fact that all my previous payments over the past two years were in full and early, should have been enough to see that it was an honest mistake, which I tried to resolve in a timely fashion. Despite this evidence, all the CS reps kept reiterating was that it was not their fault? and that I was now responsible for an additional $1200. After asking to escalate the issue, they agreed to perform an investigation of the account. After a day or two, I contacted them again to get the results, which of course yielded that they were not at fault, and that I still owed the money. I again asked that it be escalated, at which point I was put in touch with Cindy Grubmeyer, whom I believe to be the CS manager.

After relaying my case to her, and pointing out how I sent my check next business day after being made aware of my outstanding balance, despite the deceptiveness of my statement, she again reiterated that it was not their fault. Although obstinate, she did agree to perform another payment investigation. I called again this morning to check on the status of the inquiry, and although she was not in the office to take my call, the CS rep said that the notes on my account were that it was not Chases fault that my payment was received / processed after the supposed grace period, and that I still owed the back interest.

Now, I understand that it was my fault that my March payment was initially late, which is why I have no problems paying an additional $39.00 for the month of March, but to then deceive me in believing that I had almost a month to make the payments, hide the fact that they were going to cancel my promotion if they did not receive payments by the 10th, conveniently not process my payment that was mailed out on the 5th until the 12th (especially after I received their cancellation notice in one day), then blindly adding an additional $1200 in back interest, is just shady. Regardless of how this transpires, not only am I going to cancel my Chase credit card and sever all future ties with the company, but Im also going to encourage all my friends and family to do the same.

Artis of Chicago IL (06/01/08)
The CHASE Freedom Credit Card is a scam, re: its reward point system. One receives a base-rate 1% back on all purchases, and a higher amount on your top three spending categories as long as they are within preset categories such as telecommunications or groceries. On the surface this looks great--cable, telephone, groceries, are all things that cost a lot of money. BUT BEWARE: their trick is that they will only recognize a company as say, telecommunications if the company itself recognizes it as such. They claim there is no recourse for changing the label on their end.

For example, I get my cable from COMCAST--a very well known cable provider. They insist that since Comcast doesn't declare themselves as telecommunications I can't get the reward points. Even the helpful telephone support folks admit that Comcast is obviously a cable provider, but they won't help. Anyone thinking of using CHASE credit cards such as the Freedom Rewards or cards like that should make sure to check in ADVANCE if the places you shop will be recognized. You'll in in for a surprise otherwise!

Reward points are above-and-beyond. But while there may be no economic damages per se, this is definitely tricky advertising on their part!

Jenny of Livingston NJ (05/28/08)
I pay my Chase credit card in full every month online.But by May I pay my payment at the branch at the same due day. Then I got late fee $39 plus interest to my account. I don't think this is right. You pay your payment on time but Chase post for different day. Because they want to charge you for late fee.I don't have problem with other credit card.

Kirk of Atlanta GA (05/28/08)
Inappropriate charges were placed by Chase on a zero balance card. Customer Service (CS) agreed to remove them, but only some were removed, and late fees were added. More calls were made to CS. This went on and on. They would agree to remove things, but then it wouldn't happen as promised. We canceled the card in 01/2007 due to inept CS. Then they listed on our credit report that they had canceled us. We got that fixed, then it was all listed against our credit as our fault.

They said they would fix that. But I find out today, a year and a half later, that this Chase account is reporting negatively on my credit report that I was delinquent for 5 months after the account was closed. I called the CS number, and now it is just some poor little girl in Mubai, India, who was authorized do nothing but take my name and account number, but could take no info about the nature of the problem. (That's the thing to do! When your CRM process is collapsing, why not outsource it to a developing nation!) This bank is completely inept at performing customer service on a credit card account. If you need a credit card, find another company. I have no idea how my problem is going to work out. It has been going on for two years now.

unknown. I am thinking about buying a house right now. I hope this doesn't affect my ability to get a mortgage.

Calvin of Port Orange FL (05/23/08)
first they started applyiny our payment 1-2 days after the due date. We paid on line. The supervisor sd that we should have sent it by mail. That would insure the account being properly credited. She sd that the bank was in error. This was after several phone calls. I did get the first two late payments charges reversed. I then called the third month; after being charged and asked them to remove it. Several phone calls and supervisors and many faxes; w/ proof from my bank! The charge was never reversed.

I then called last week 5/12/08 to see if my APR could be reduced and or my credit limit increased. Three days later we get a notice saying that we are now going to be charged $10.00 a month for service fee. I called and asked why. tehy sd i was late on payments. I asked who i could t/t and they gave me another number to call. I called and they man sd it was my fault that i had not read my letter. I told him it was their fault for not appplying my payments on time. He asked if there was anything else he could help w/. I sd so no matter what you won't do the honorable thing and correct the problem they caused.

excess fees lousy customer service, lies and misdirection; deferring sent payments.

Barbara of Port Richey FL (05/22/08)
5/22/08 I have a credit card issued from Chase Bank. It's an Amazon.com card. I have a credit line of $6000. They charged me *$178. transaction fee. They issued me checks to write at a 3.9% fee for life. I wrote a check to Toyota for the balance I needed to buy a new car *$5960.00. [Apparently I applied for a credit card online that offered a free DVD player. Do not recall who issued the card and in fact don't even remember much else except the free DVD player] Chase bank was the source of this offer.

They did a credit report and sent me a letter stating that I had another Chase card and they were deducting $1000. off my $6,000. They would issue me another card for $1000. I received the $1000. card, never activated. In the meantime I received a letter from Chase, stating that I was over-limit and they charged me $39. This also nullified my 3.9% finance charge which now became 24.24%. I write them a letter on 4/24/08, stating the facts and returning to them the $1,000. NEW credit card they sent me. I asked them to take back the card and return everything to the way it was. No-one called me.

Today I called to see what they would say. The first person I talk with, Bill returns my $39.00 fee, moves the $1.000 back to my card, returning it to $6,000. and cancels out the NEW CARD for the $1,000. that I never activated. I ask him at the end if my 3.9% will be returned, he says he cannot answer that question. He now transfers me to the promotions dept. Linda Rodriquez was NOT very sympathetic and refused to do anything about it. I say this is YOUR fault and I think it's deceptive banking practices. She says I'm sorry that you feel that way. I say I will pay off this card and get rid of it.

Well I lost $178.00 fee, I lost 2 months and probably will be 3 mos. before I get this all accomplished of the higher 24.24% interest rate vs 3.9% and I don't know what that figure is. I have been upset over this since it first happened and wondered if they'd done it on purpose? After all is said and done, I do feel that they saw the opportunity to make more money. Any other bank would have refused to give a second card or would have called to discuss this before they took it upon themselves to do all of this.

Samuel of Waxhaw, NC (05/19/08)
I have an account with Chase, where I've been making automated payments from my bank account, well over the minimum payment for a number of years. This month I realized that I was being charged a $35 late payment fee, that went back to February. Calls to Chase's customer service confirmed that they altered the billing cycle, just enough that my payments were arriving a day late. I have $160 in late payment fees that they have refused to reimburse. They claim that this change was communicated in a statement mailed to me in February. I contend that they have communicated the billing date over 60 times (5 years x 12 months), and that this one time communication in February was part of a calculated scheme to harvest fees from automatic payment customers like myself.

A google search identified several additional victims of this scam. No other business operates this way. If businesses en masse arbitrarily changed their due dates, it would undermine the entire electronic banking business process. A google search on billing cycle changes revealed only one industry that was engaged in billing cycle changes. This change was in the utilities industry, triggered by the adoption of enhanced and more regular meter reading practices by several municpalities. In this case, there was a clear benefit to the consumer - more reqular billing - i.e. consistenly 30 days, instead of a wide variation in billing cycles based on when meters were read. Again, in this instance, the change was communicated by press releases, updates to web sites, and I assume by clear communication to their consumers. In addition, the change was applied consistently across their entire consumer base, not just a targeted minority.

While the individual damages are not large, I believe that the class impacted by this business practice could be substantial, and easily identifiable through a discovery process. Either that, or Chase would be found in violation of the Sarbanes-Oxley Act requiring detailed documentation of computer system changes.

Eric of Danville CA (05/15/08)
I made the mistake of using one of the convenience checks and two problems arose: 1)The transaction fee is uncapped, which is the first time in over 15 years the fee was uncapped. Normally is 3% or $100. 2) Becaue the transaction fee was uncapped it caused my account to go over limit by $20 and they charged me an over limit fee of $39.

I called to dispute the over limit fee and was told that it was bank policy that even if you are over $1 due to a fee they charge or interest they will charge the fee and not remove it. I will be paying the account off within the next 15 days and closing the account. I find it ironic that their marketing material tells you to access you account up to the limit and if you do so not only will you be charged the uncapped fee, but a late charge, and your promotional APR will be revoked because you are overlimit.

I am paying $500 in additional transactions fee which is exorbanent and I also have to pay $39 which is a result of their high fee which is not clearly stated.

Sara of Southlake TX (05/14/08)
Chase, unlike any other credit card issuer I have ever dealt with, will let you go OVER YOUR CREDIT LIMIT when doing a BALANCE TRANSFER. Instead of transferring the balance of your credit limit minus the balance transfer fee, Chase will transfer up to your credit limit and then charge your BT fee on top of that AND THEN charge you an OVERLIMIT FEE. (I can't believe that's even legal.)

The most disturbing thing is that when you call to request a courtesy, one-time reversal of the fee, they refuse. They outright refuse. The $39 in additional revenue is more important to Chase than having satisfied customers and rewarding them for their loyalty. Come on, guys. It's a one-time reversal. Every good credit card company does it with a smile on their face. The 2nd most disturbing thing is that they report this information to the credit bureaus!! BEWARE of Chase!

My otherwise perfect credit now has a negative notation indicating that I have gone over my credit limit.

Jewell of Billings MT (05/13/08)
I ordered something on my Chase card then got solicitation calls. I told the caller this was a cell phone with limited minutes and I was not going to pay to talk to them and NO I do not want what every you are selling. Then I received my Chase bill and there was a $19.97 member ship charge on my account for a membership in this phony fun pass thing. I called the number and told them to cancel what ever it was that they charged me for and Ruth gave me a confirmation number and told me to watch my mail for paper work to sign to confirm cancelation.

You should see the hoops they have me going through to get my money back and it will take at least three weeks! This is ridiculous. It is fraud they stole my money --without my permission and are causing me to jump through crazy hoops to get it back. THANK YOU FOR YOUR HELP.

They took $19.97 from my credit card and signed me up for a membership in some phony travel fun pass thing that I did not ask for and certainly do not want or need.

Zhiqing of Stanford CA (05/12/08)
I had my Chase amazon.com credit card June 2007. When I got the card, I called a number coming along with the credit card. - Maybe this call led to my purchase of the ID proection, but maybe not - I don't remember exactly. But very soon (June or July) when I found the ID protection charge of $11.99 on my statement, I called them to cancel the service immediately, because I would just stay in US for 1 year and I don't need to build my credit history.

However, about 3 months ago (Feb. or Mar.2008), I found Chase has been billing me $11.99 for the ID protection since July 2007. I immediately called the number 800 362 8182(ID protection department in chase) to cancel the membership again. Yesterday(May 11, 2008), I found the bill is still on my bill statement. I called chase's customer service again to 1) cancel the membership again; 2) refund all the payment. But they told me that they don't have my records of canceling the service and only agree to refund me for two months. They said it's my fault that I didn't closely watch my statement.

Actually I seldom use this credit card. I trusted Chase and its service in the past and didn't know they would do so badly. I have no reason to order such a service for two reasons. 1)I will go back to my home country next month and don't need to build my credit history in US. 2) I seldom used this credit card. For about 3 or 4 months out of my past 11 months using this card, the only bill is the ID protection. I clearly remember I called Chase last July(or June), because I even joked to my friends that Chase was a bad sales to sell to a wrong customer. I also clearly remember I called Chase in Feb. or Mar. 2008, because I was already angry that time. I don't check my bank statement often also for several reasons. 1) I trust chase. 2) I seldom use that credit card. The payment each month is too small for me to get alert. 3) I set up an automatic payment from my bank account to this credit card.

they charged me $11.99 every month from July 2007 - April 2008, totally 10 months. So it's $119.9 totally.

Amy of Fort Campbell KY (05/12/08)
The customer service representatives for this company have been repeatedly rude. Additional products have also been added to my account without my authorization. I have closed the account, but consumers should beware.

Melinda of Virginia Beach VA (05/11/08)
I pay may Chase credit card in full every month. Every month it has been due around the 5th of each month; depending on the days in the month. My cycle is the 10th of every month and still is, however when I logged in May 1st to pay my bill I find out I'm already late b/c they changed my due date to 4/30. When I called customer service they told me it wasn't a bank error and wouldn't do anything.

I now have a $39 late fee and I'm not sure of the interest I'll accrue on the $5200 balance I paid off.

Ron of New Vernon NJ (05/09/08)
I noticed a cash advance listed with interest on my recent statement. Since I never ever take cash advances from a credit card, I called to inquire about this item. Long story short, this was a legitimate purchase charge, but was listed as a Cash Advance. I signed up for this card based on a zero percent balance transfer offer a few months ago. It turns out that the Cash Advance cannot be paid off, but only is paid after all other items are paid.

So now I am stuck paying interest on this until I pay off the balance in full, including the transfer. I requested this charge be properly re-assigned to purchases and they say they cannot do so. Mind you the amount is small, but I am angry over the concept. Looks like a nice way to collect some interest from someone who takes advantage of the transfer offer. Watch out!

$3.00/month, but it still should not be assigned to cash transfer as it was a purchase.

Luke of Noblesville IN (05/08/08)
My credit balance was reduced $1500 and my interest rate went up to 29.24% from 8.99%. Both of these happened in a space of 30 days. I am now $1000 over my credit limit with outrageous monthly payments. Customer support said I was sent a letter regarding their decision. I never saw it. I have had this account for nearly 3 years and had 1 late payment, which happened to be the last payment I sent them. I am looking for others with similar experiences and to see if there is a pattern to this.

I will not be able to make my monthly payments due to the outrageous interest rate and min balance due. I have been working hard to get my credit back on track and now this will set me back 5-10 years.

Kara of Sioux City IA (05/07/08)
I receieved a letter in the mail saying I was pre-approved for a BP gas card. It came with reward points and everything. I thought it would be a good investment to help establish my credit. I went ahead and applied, and they sent me the BP gas card.

I called the customer service number to validate the card, and the person I talked to said I have to sign up for their Fraud Protecting Program, I kept refusing and he said they wouldn't be able to activate my card until I agreed to it and that I could cancle at any time after I got my package and statement for it.

About 2 weeks later I got a statement in the mail for the Fraud Protecting Program and I called saying I wanted to cancle it, so they did, at least thats what he said; and I never receieved a statement again. The BP gas station in my area closed soon after I received the card, so I never even had a chance to purchase anything with it.

A year after I purchased the card, I receieved a call one morning from the Viking Collecting Agency saying Chase contacted them and said I had an unpaid balance on my card. I explained that I never receieved any type of statement in the mail, since I had gotten the first one. What happened was Chase decided to enroll me in the program after a certian about of time, without my permission, and began charging me for this Fraud Protection. They failed to send me statements, or even call me to let me know what was going on, so I had no idea, especially since I hadn't used the gas card once, I ended up shredding it.

The Fraud Protection Program is a fraud its self. They failed to contact me about my statements, they saw I wasn't making any payments on it, and yet failed to call me, or send me something in the mail to notify me about what was going on. Then they expected me to pay the amount that had been building up over the past year!

Erik of Sonoma CA (05/05/08)
On January 8, 2007 a charge by a contractor was made to my chase card without my authorization. I immediately reported this to Chase and told them this was not right. I sent in everything they wanted from what work I had paid for before to second opinion letters from other contractors. I did all this even though the amount charged was never justified by any work or labor performed. It was just a scam charge because I fired the company. I didn't owe them anything. Chase called me and I responded to all their needs to clarify and resolve this issue.

The bottom line is that I have been calling for the last 15 months why it still hasn't been resolved. I am being told by the customer service department that they are working on it and someone will get back within 48 hours. Nobody ever does and I have talked to supervisors but there is nothing they can do. They are baffled as well and they just promise to look into it. It has been 15 months and a charge of over $16,000 dollars keeps showing up on my billing statement. Chase will just not resolve this and it has been 15 months and always the same respond from customer service; we'll get back to you in 48 hours.

It is killing my credit. I wanted to refinance my house but I can't because this charge is on my credit card. Chase is ruining my life and economic situation. I am petrified that they will make me pay for a charge although I didn't buy or received any work for the money. Chase has me emotionally drained and ruined my financially by keeping me from applying for loans or re-financing.

Mossa of Brooklyn NY (05/03/08)
Chase bank has tricked me or made a mistake with me because they made a College account and told me that they wouldnt charge any fees except late fees. This was my 1st time having an account and credit card. The bank told me since i have a college account the card wont charge me any fees except late fees. I agreed with them and started the account.

When i started to use my card for the i kept taking out cash from the atm from my savings account. They charged me 10 dollers for every 20 withdral i took out and made the bill impossible to pay. There was about 120 dollers of transaction fees.I than called them up and asked them why did they charge me all this money for when they said they wouldnt. They told me they never said it and i have to pay for it no matter what. I told them unless they drop those fees im not going to pay for anything, but they never did it.

Right now my credit is being destroyed because the bank lied to me or made a mistake and i have to suffer for it. The bill went up more than 1800 dollers which i origanlly owed them about 900 because all the late fees and overlimit fees. I tried to ask them to make a deal with me for 3 months but they said no. In the end they made a deal with me and i agreed for 350 dollers for 3 months.

I than asked my father after i made the deal because he was overseas so i had to wait. I thought he would be ok with it but he wasnt after that i called them up and asked them if they can lower it down and pay for extra months. For example, 50 dollers a month every month till it reaches 1050 which they required.They said no so i cancled the deal and we are still at war with eachother.

We than found out that they charged my fathersa account without his permission for 350 dollers twice and now going for the 3rd and last payment. They still went with the deal after i told them to cancle and took 350 dollers from my fathers account. Now my father has to go to his bank to tell them to get his money back which my bank took from him(credit card). These past 3-4 months, maybe more. They no as a student i couldnt pay what they were asking for and it was there fault for the lie or false information they gave me which is not my fault. They are taking advantage of begginer student like me to make themselves money and thats not right.

My credit is being destroyed. Charging my 1850 dollers before the deal. Took money from my fathers account without asking him making it harder on him to pay his own bills. Even adding more stress on my life that i have from my college and work. Still have to pay my tuition and they are making it even impossible for me to so.

Belinda of Bay Shore NY (05/03/08)
for over 7 years we had excellent credit. our fico scores where in the high 700's. we had always been on time. we use to pay larger amounts then was due. sometimes even paying off balances in full. ex. $2,000 + at one time. when ever we had the extra money to put to the cards. our interest rates where 10% and below. we had 7 credit cards that we used. then came the month after christmas 2 1/2 years ago. i got a letter stating they where increasing to a one percent increase because the federal law wanted it like that, it was to benefit the consumer. now my payments went from $100 to $400 a month. this went for all my cards. i still was managing to pay the cards and the house and all my other household expenses.

They said if we came into to any trouble to let them know and they would help. around may my finacial situation changed and things were getting harder. i called each one up asking for help explaining my situation. they wanted us to answer all these questions to see if we needed help. they went through all my monthly expenses. the final answer was sorry your credit has been excellent and you never have defaulted so we cant help till you mess up. to this day this does not make sense. Why in the world would you want me to mess up my credit if you can help me with a solution.

After this happened they started to increase my interest even though i still paid and was on time. i asked why they said because from what i said we were becoming a high risk. they froze accounts from being charged. interest rates jumped to 15% then continued to rise. i still was begging for help and they ALL continued to deny our requests. i even try to refinance to get them out the way but the market was no good and i wasnt going to mess up the great loan i have with my home. that has never once been late in the eight years I've owned my home. around august i told them i could do no more. they started saying to borrow money or take it against my home. i said give me a better deal for either no interest or lower. i explained what i could pay each one. they refused. that is when i let them go one by one because i could not pay what they wanted.

We even tried to do a credit transfer which they approved. but when they did that they never raised the amount on the card and were wanting over $2,000 up front with a over the limit fee. she said sorry we will continue to charge you late fees and over the limit. this wasnt helping me. we even had a fraud incident which chase said they could not release any records because we owed them money never solved that one this was also from chase. now began the phone calls, the harrassments at work. telling co-workers our business when they picked up the phones. i finally had to change my house phone number.

Now that the cards are out of the main dept. and in collections they said they still have the right to charge me interest. i will never bring them down because they are still climbing. now they want the money in full or some riduculous monthly payment. they are threatning garnishment. my debt went from $19,000 for one to 27,000 another has gone from 10,000 to 17,400 i owe so much its so depressing. my mother in law helped me make a deal and paid off two cards for $15,000. i still have five more. she cant help with anymore. i am so stuck. i am paying chase two cards for my husband at $120 because we received a supeona for garnishment they were placing in court. i wrote back to their attorneys stating i will give $120 to them each month and please to stop charging me interest.

When i called them to make my settlement for my card they had a higher amount i asked why she said thats because we are still charging interest. chase never sends me statements to show my payments are being applied the the only thing i have is my letters and checks. I DO NOT HAVE A STATEMENT. this is such a shame, i dont know how we can get rid of this debt if i cant even lower it.

as of now our credit is almost void we still own a house our payments are always on time never ever late our current cards are on time no lateness either. our way of life is little harder not being able to apply for credit when necessary or emergency such as refinancing to try and clear some this debt . physically it was emotionally draining dealing with all the calls and harassment everyday trying to figure out how your going to get back on your feet but finding no true answer now.

Azam of Pompano Beach FL (05/02/08)
I just looked at my Chase credit card statement and noticed a $12.99 charge. When I called, I was told that is by Privacy Guard and I needed to contact them directly. They also told me the charge has been monthly for two years! I called Privacy Guard and they told me that Chase Customer Service had verbally authorized them to do so! Called Chase back they said, the customer is responsible for such a request and they never authorize such charges!

Well, I am fuming because I was in banking for 12 years, have a graduate degree, work in finance industry, and was at one time a Consumer Loan department supervisor. In addition I have alert on my credit reports which nobody can pull one without my signed permission. Why would I pay for soemthing I have never used? I am out over $300 and neither Chase which I am sure is benefiting from this union, nor Privacy Guard is willing to pay me back. I hope there is a class action suit. I am writng to District attorney's office in Ohio as well.

In about 4-6 weeks I will get copies of the phone transcripts they claim wouuld confirm I asked for a servcie I never used or needed!

Deborah of Pico Rivera CA (05/02/08)
I have a credit card with Chase. I have been unemployed for a little bit but have been searching for a job. I have not paid my payment but I have called them and let them know the issue with me. Well Chase has been calling me 6 to 8 times a day leaving my personel information of my account on my answering machine. The are leaving how many days and how much my balance is with them. I know by law they can not leave that much information on the phone. Everday and on the weekends they continue to call and harrass me and leaving messages about the pmt. Yes, I know i owe the money and will pay the money back.

When I talked with Jimmy on 5/1 i advise him of me being unemployment and I am trying to pay my debet. He suggested that I could pay $237 by next Friday th 9th and they will not report me 90 days. I asked him how mandy days am i now. He said 47 days past due. I said let me try and get some money together to make this $237.00. I explain to him i was going thru Elite Financial Services to put all my bills together and make one payment and get it settle.. He said he understood and they said the way it works it takes 45 days to get an proposal thru.. I said Im very well aware of this.. I asked him to please put this on my account so the next person could see the notes.

Well this morning 5/2/08 I got another phone call and I did not get the gentleman's name but I advise him I spoke with a Jimmy in regards of this. He said there is no notes saying I spoke with anyone at all. I said well I did speak with you Jimmy. I told him the same thing I'm going to tell you.. I advise you right at this moment not to call this number again. I said this is harrasment on chase part. He said were not trying to harrass I said I understand that but the company is harrassing me. He said the number is on the auto dialer I understand that too but you dont keep calling a person 6 to 8 times a day. They have also called before 8 am. I have kept the messages from Chase.

David of Kingsport TN (05/02/08)
This card pays 5% back on puchases at Gas, Grocery and Drug Stores. I have never bought one penny on this card of anything other than gas. Yet very often my statement comes with points earned at stores other than Gas, Grocery, and Drug Stores. I call and they tell me that they alone determine if a business meets their criteria. The statement never indicates which charges have been denied. I call and after many minutes they finally tell me that such and such gas station does not meet their critieria. I ask what that criteria is. They cannot tell me. They remind me that they can change their mind at any time.

On this current statement, a Valero Gas station which appears on the statement as USAVE MART GLADE SPRINGS VA was denied the %5 points. Since September of '07 this store has appeared on my card 4 times with no problem. All of a sudden on this statement, it was denied the 5% discount. The only explanation I received was that they can change their mind at any time. I think this is TOTALLY UNFAIR! Please, can't we make people play fair? I thought we learned that in kindergarten!

I am receiving a 1% discount when I was promised 5% on some purchases.

Brian of Campbell CA (05/02/08)
I made the mistake of using a convenience check from my credit card company (Chase). After the check posted I noticed a $150 Transaction Fee. I asked myself why I would have a transaction fee. I remember looking for a catch like that before using the check and felt confident that there would be none. I assumed that it was an offer to longstanding customers. So I called Chase customer service. They told me that it was clearly stated that there was a transaction fee for the convenience check. We (a Chase rep. and I) looked over it together and this is what we found. On the page with the checks, there are a few bullet points (big font and clear) that list the fiscal advantages of the checks (e.g. 0.00% Fixed APR for a limited duration). Below the bullets there are some very small footnotes marked with a asterisks. One says Check must be posted to your account by the post/void date on the check(s). The other says See 'Important Information' section for more details. I looked for the Important Information section in my paperwork. I kept looking... and looking... and looking. I never found this section.

After about 5 minutes of being on hold, the rep told me where the information actually was. It was in a section called Explanation of Finance Charges. I pointed out that nowhere in this section did it say Important Information and if I was supposed to look at Explanation of Finance Charges then why didn't the convenience check offer say See Explanation of Finance Charges section. I think this is ambiguous at best and seemingly intentionally misleading. The account supervisor agreed that it wasn't really clear, but said that if I looked hard enough I would have found the fine print for the convenience check. Therefore, he would not waive the transaction fee.

As of now, I am closing my account with Chase and hope that consumer affairs will look into this questionable, at best, business practice. Additionally, I would like to note that when I requested to close my account, the rep. told me that I should wait for the following reason. I was told that I needed to have United Airlines Mileage Plus transfer the miles from Visa before I closed my account otherwise I would forfeit the miles. I called United and they confirmed that this was absolutely untrue. My miles transfer automatically each month. I feel that I was AGAIN intentionally misled to delay me from canceling my account.

$150, 2 hours of phone conversation with Chase reps and United Mileage Plus, and a headache

Beverly of Markleysburg PA (05/01/08)
I called to question chase as to why my APR went up and was told it was because of my credit report. I know, however the ceo of chase had agreed in march to no longer use a persons credit report to raise the APR (annual percentage rate). After i told her i was aware of this i was then told it was because of a late payment.

The only reason the payment was late was because they, without our permission stopped sending us a paper bill. The supervisor tracy davis suggested i was not told that the apr went up because of our credit report. she was extremely rude. Chase is one the the worst companies i have ever dealt with.

Richard of Newton NJ (04/30/08)
I was biled $99.99 for TLG Secure on my Chase Credit Card. I never Authorized such a transaction. I called Chase a few times to straighten it out. I was assured that it would be removed from my account. So far 04/30/08, nothing has been done. I have received letters saying I am late in paying the bill. I am being charged late fees for a charge I never made! HELP!

Angela of Plano TN (04/30/08)
I have had 3 credit card accounts totaling approximately $20,000, I recently paid $10,000 off. I have called Chase a number of times to request that my interest rate be lowered (they increased to approx 26% after I resumed working after being RIF'ed. I acknowledge that I placed my accounts on hold via the insurance program they offered while unemployeed. When I resumed working, I immediately began making payments. I asked to have my date changed to help me be able to pay on time - I was told the only way the date could be changed is if I agreed to a rate hike on all 3 accounts to 29.9%. Because I was not able to pay on time with the existing due date, I agreed. I was told that if I paid on time for 1 year, I could request that my interest rate be lowered.

Since then all I get when I call is stonewalled. I am very diligent in at least paying the minimum on time. All I have asked for is to get a lower rate. I recently paid off $10,000. I called and requested that my interest rates be lowered based upon lowering my debt with them. I was told that there was no way to lower my interest rate. They said they did not care if I cancelled my accounts. To add insult to injury, I was changed interest on the amount which was paid off.

The high interest rate has seriously contributed to my in ability to recover from the financial hole created by my unemployment. Only by paying off, then re-financing my vehicle have I been able to make any gain on my Chase debt.

Dana of Maricopa AZ (04/29/08)
Well Bob of Kansas City, KS, I am happy to know that you know how all this works and the folks who wrote all these cmplaints don't!  I was a Chase card holder for 10 years and never had a problem until now.  They held my payment, posted it late to benefit them by charging me late fees!  First time in 10 years! Banks are hurting these days and do play games to line their pockets.  Wait until it happens to you!

Bob of Boulder Creek CA (04/28/08)
I have a Chase Manhatten credit card. It is at zero BAlance, None, Zip, Nada. I get a post card in the mail congratulating me that I Qualify for their Prestige Card services, for which I will be charged $79.00, and Oh, By the way, you can OPT OUT of it if you call us in time, otherwise you'll be automaticaly enrolled to a Prestige crad upgrade and automatially charged the fee. I lost the Post card with the decline info on it. Well, they charged me.

When I called up the Credit card customer cervice, They say they showed I agreed to a Prestige card upgrade, which, by the way, is up 20 dollars from last years attempt at this scam. I, in no certain kind words informed them that I did not want thier upgrade and to credit it to my card, the 79.00 dollar charge they so willingly charged me, reminding them that what this amounts to is a SLAM operation. If I Want their Prestige account, I'll ASK for it, not the other way around! This is a stealth Money leak program, and since I do not used the card often, there's absolutely NO VALUE, in their Prestige program for me, anyway. We need to introduce REGULATION LAWS THAT KEEP THIS FROM HAPPENING.

I suggest that we compose a law that states that if ANY upgrade or charge is offered, the customer must CLEARLY OPT-IN for it, not be required to OPT-OUT. We'll see just how well thier Recinding of charges system works. Since it's supposed to show within 2-3 businesss days, or: Surprise: 1-2 BILLING CYCLES. Guess what is going to happen folks? Well we'll see. I'll update everyone as the screw turns, so to speak. I think this is a version of automatic Slamming, and needs to be stopped with a class action Lawsuit. Are there any going on now that I can join?

A Stealth charge of $79.00 for an automatic Opt-in of a Prestige card upgrade.

Jocelyn of Trabuco Canyon CA (04/26/08)
I purchased TV and stand from circuit city (cc) and signed up for their credit card so I would be eligible for the 18 months no interest and payments promotion they were running. CC submitted paperwork to chase that had incorrect information on it, so that chase thought I had defaulted. So at this point chase was calling me trying to collect late payments plus interest. I contacted CC and tole them what was occurring, and they sent chase the paperwork they had requested to correct the problem.

Well then Chase declined the paperwork and said they needed documents from CC corporate. Well CC corporate had not done that so Chase is still hounding me. Seriously they call up to 6times a day (isn't that harassment?). They will not listen to what they are told regardless of whom you speak with and they refuse to deal directly with CC to resolve the situation.

Consequences: My credit score going to be affected which upsets me the most, harassment from the phone calls, my time they waste, and the extra money they think I owe them, now I am in debt

Bob of Kansas City KS (04/25/08)
There is nothing wrong with Chase. Most credit card companies send a customer agreement with a card. People get into trouble because they do not read the agreement and make silly mistakes. Nobody is to blame but the card user... plain and simple.

Pauline of Yuma AZ (04/22/08)
I made a 10 day late payment and my interest rate went from 11.9% to 29%. My payment went from $220 to $680 a month. Also, due to the increase in %, the interest accrued for the month was over $300. This brought me over my limit, which went on credit report. They charged me $39 for late fee and then $39 for overlimit fee. This was no fault of mine and Chase refused to drop any of the fees they charged me.

My credit has been effected by this. My payment is now over $600. APR will not be lowered by any agent.

W of Chichester NH (04/21/08)
Chase visa keeps putting my acct. on hold with out telling me. I go to use the card and it gets denied, its very embarrassing. They say there is suspicious activity, it is bs, no big items were purchased, I have had the card for 17 years, now all of a sudden there is suspicious activity. NOT HAPPY

Ms. of Santa Cruz, NM (04/16/08)
I have had 2 credit cards with Chase. One I got through Amazon and received a $30 discount off my first purchase. After that purchase I never used it again. Last week I received a letter from a collection agency called Valentine & Kebartas, Inc., informing me that my account with Chase Bank was delinquent and I owed them $280.58 which I needed to pay in 30 days.

When I called Chase Bank all I got were service people in India and they were less than helpful. No one could give me an answer of what this charge was for and why I hadn't received any statements in the mail informing me of this debt. The next day I called to cancel my other card and the service person forwarded me to a rep and she was very concerned why I was cancelling. I told her my story and she revealed to me that I had a charge of $79 in 2007 and the remainder of the charge was late fees. I told her I never received any statements and wanted to get a statement. She said she couldn't send me one, (since my sccount was now closed) but they would file a report for investigation by Chase of my past due debt. It would take 30-90 days, and I should receive a letter letting me know the outcome.

Good grief! I have a very good credit rating and am never late on my bills. This really aggravated me and also caused me worry this would affect my credit rating.

Sdk of Portland OR (04/13/08)
My credit is EXCELLENT, yet this credit card company shortened my billing cycle, charged me a $40 late fee when I was two days late, and huge daily interest charges. I paid their extortion, but then found they were still charging me interest charges into the following (2nd) billing cycle also. I have yet to figure out their math. I stopped using the card, but needed to use it once more since I needed to purchase a European train ticket with a Mastercard.

My vacation was 2 weeks, I came home (slept for 2 days) then paid my bills about a week later. Fool! Can you believe it? Chase had again shortened my billing cycle even more so that my $64 bill was due two days after I returned, which I noticed a week later! Needless to day, they've charged me another $40 late fee, will not waive it, increased my rate astronomically and again expect me to pay into the following billing cycle also. At this point I'm willing to take the hit on my credit score to tell them to you-know-what. This is usury plain and simple. If anyone is going to file a class action lawsuit again this company, I am in!

Man of Storrs CT (04/11/08)
When I signed up for chase credit card, I was hoping to get some cash back as they promised. But I have not been able to see a penny of it. So I stopped using it. Little did I know, Yahoo Music automatically charged to my chase card around April of 2007. Since I do not use it very often, I do not check the statement every month. I did not receive the statement from them neither. When they finally called me up three months later, I immediately paid it off along with the late fee. I even explained to the customer representative. She showed great understanding over the phone. However, they still reported it as negative item on my credit report.

My credit score is very much affected. I was never late for my payment. Now I have to dispute this negative report.

Kirstin of Martinez CA (04/09/08)
My bank Union Bank of California recently paid off my Credit Card through Chase Bank. I have recieved a bill for a finance charge from Chase Bank. When I questioned this Chase Bank told me that it is impossible to make a payment in full and that there will always be a finance charge. How can there be a finance charge when a payment is made for the full balance before the payment due date.

What I am hearing is that is esentially impossible to pay off a credit card if full with Chase Visa.

Chase Visa is charging me for a $4446.90 finance charge. When I spoke to the Customer Service Manager she offered to reduce the finance charge by half to $223.45. I do not feel I should pay any finance charge since the entire balance was paid off before the due date.

Dan of Oklahoma City OK (04/07/08)
I had a balance transfer offer from Chase credit, which I've been a member in fantastic standing for over 10 years. I use the balance transfer offer with help on the phone to transfer a higher rate card from another card provider. When I got the bill there was a transfer charge of 492 dollars. I immediately called, sent a payoff the next day. a week later I called and they could not refund my fee, because it was to high for a phone refund. I fax the corporate office and today I got a letter saying it will not be credited and was properly charged. I recalled with no help. Now the balance is pending for the charge that I was no made aware of in the transfer phone call although they say I gave my approval. Please help me. Chase told me that there was nothing they could do and I could write a letter again.

Nothing yet but I will not pay for fees I didn't authorize.

Karen of Woodland Hills CA (04/06/08)
My soon-to0be husband just received his Chase statement and was horrified to find that they raised his APR from 3.9% to 24% - all because of a supposed late payment (his first ever). Well, that payment took 16 days from the date we mailed until Chase posted it. I'm not a conspiracy theorist, but it sure does appear an awful lot like Chase held the check to make the payment late and be able to raise their fees. Plus, the statement he got was received on April 5, with a due date of April 12. How are we supposed to get payment there on time if the last one took 16 days?

Their customer service reps will tell you it's the post office's fault and they are just following company policy, a late payment is a late payment. Sadly, it seems to be a common theme on these posts and they're blatantly ripping people off. We're transferring the balance and terminating our business with Chase.

Chase raised the APR from 3.9% to 24%, and the only concession they would make is to lower it to 21%.

Edwin of Lafayette GA (04/02/08)
On April 1, 2008 I received two monthly statements for two Chase credit cards I use. One bill was due on April 4 ,2008 and the other on April 7, 2008. With insufficient time for the payment to arrive by mail, I attempted to make an online payment and was never able to get the site to allow me to make the payment that evening. I mailed both payments as early as possible on April 2, 2008. On April 2, 2008 I finally got online and thought I had made minimum payment until the final screen said I had made a payment in an amount far exceeding what was in my checking account. I called Customer service and they canceled the high amount and entered the correct minimum payment.

While on the line I explained how my statements had arrived too late to mail the payment. I was told they were mailed on the tenth of March and I should call my post office. Her only other comment was I could go paperless online. I talked with a post office employee who said since the statements have no post mark it is hard to prove when they were actually mailed, but doubted it was really on the tenth. I agreed, and the fact that all my other mail seems on time and only my Chase statements are repeatedly late. I feel like it is their way to try to force me into being late so the can charge me more. My solution was to do a balance transfer to my Discover card which consistently arrives 30 days before the payment due date. Most of these problem cards were another name when I obtained them. It was after they merged into Chase that I began having the problems.

Chip of Roanoke VA (03/24/08)
I have had 3 new credit cards sent to me in the last two weeks. (from different companies). Each has an 800 number to dial to activate the card. It used to be that you dial from your home phone and get an automated message that your card has been activated. NOW a high-pressure sales type representative answers the phone, confirms your information and then tries to get you to enroll in a credit protection plan (in case of illness or injury) and other services. They don't even wait until your current card expires, just randomly send you a new card so they can get you on the phone when you call to activate. I guess because they are not suppose to call customers on the DO NOT CALL list to solicit their services.

Jay of Pittsburgh PA (03/24/08)
I had applied for a Chase/BP Visa credit card to save some money on gas. They have this deal where you get rewards on fuel purchases through BP on up to 10% of your purchases within the first 6 months. Sounds good right? I signed up. Apparently I had a typo with my account number which I never noticed until it was too late. I used the card for gas and then I made two payments on my card WELL IN ADVANCE before anything was due. Then I get my statement and because the account number was incorrect I received two penalties of $40 each on the card. I checked my bank statement and found that I had more than enough funds for the payment. So I called up Chase. They said my account number was incorrect. It seems that I skipped a number and I could not see it because they XXX it out online except for the last four digits which were correct. So I asked for a refund in exchange for the full payment. I was told no. I asked a supervisor with the customer service department, I received another no. So I lost my patience, paid the balance and canceled my card. I paid out an extra $80 on penalties for making two payments in advance without the ability to see or ever know that there was an error until it was too late.

I paid out an extra $80 on penalties for making two payments in advance without the ability to see or ever know that there was an error until it was too late. Pretty bad when the balance was only $400.

Jesse of Portland OR (03/23/08)
Chase Credit Card and their so called Service is the most unethical and un-American business I have ever dealt with. I paid a bill online because I didn't have time to send a check to them. Apparently I accidentally clicked on a button that says go paperless. This wouldn't have been a problem as long as I received some sort of notice. I didn't receive a bill for months and finally learned about the situation from one of my other credit card providers, Bank of America. I never received any online bills or phone calls from the Chase. So, phone calls and e-mails do not involve paper right? I am so disappointed that they have such a lack of concern for the customer and have the inability to help. After Paying off the balance and having several dead end phone calls with Chase, I received an e-mail stating that my account is now available for online banking. This e-mail came four months later! This has to be illegal. How can Chase run their business four months behind the world and expect us to pay for it? Oh, by the way, we have 100% perfect credit except for this Chase account.

I am sure my credit score is affected in some way. I didn't pay to receive my credit score but my credit report is 100% perfect except for this experience with Chase.

Chisholm of Phoenix AZ (03/18/08)
I fell into hard times like many many Americans recently, and my Chase card went past due and delinquent. I'll state up front that my total credit limit on this card is $300, and I think at the highest point of delinquency it had a $310.72 balance from late fees and fines. I, unfortunately, didn't do the right thing in working with them to resolve my issues. This is the first time I've ever found myself in this type of situation, and so I didn't know (I do now!) that most places will try to work with you on your balances if you at least call and discuss things with them. Anyhow, recently things have started to look up for me and my business, so I took the balance and paid it off on Friday Dec. 28, '07. Of course I had to make a secondary payment of about $7 in January to cover some of the interest that had accrued that wasn't listed on the balance previously...but hey... it's paid off now!

Nice. So here it is March, and a friend's grandfather passes away and I take the widow into a nice furniture shop to purchase a nice flag case for the flag from his military funeral. DENIED... WTF! Boy was I irate. I paid for it on another card and went home and called Chase. THEY CLOSED MY ACCOUNT! Even worse, they never told me (or not sufficiently), and the rep on the phone said they didn't have to (which I KNOW is not true). He said if there was notification it would have been at the bottom of my last statement. Well who looks at their bills once they are paid off? You know what REALLY REALLY irked me about the situation? If I login to my account online it shows I have $300 of available credit. How can they tell me I have $300 of available credit and then tell me my account has been closed? Apparently, Chase closed my account because I am too big of a 'risk' for them...a $300 risk. What a slap in the face, too. Here I am trying to do the right thing and pay off the debt that I owe to everyone, and Chase close the account on me.

Embarassment!

Debra of Osceola IN (03/17/08)
Our son had a $1,500 balance when he was starting school last fall. He was paying about $69.00 a month; and to help him out since he wasn't working and was going to school full time, we took over his payments. Suddenly the payment jumped to $150.00, and they called my son constantly saying he is late, when I know they just cashed our check not three days before. My son has not used this card since last Aug/Sept. The only thing that goes on monthly is a $15.00 credit card fraud insurance charge. My husband has paid my son's bill faithfully every month.

We are paying out an extra $600.00 a month now trying to pay for his next semester of college. Having this payment jump from $69.00 to $150.00 is going to make it very hard to make ends meet. With gas at $3.20 a gallon, it's starting to be a choice of food or gas after the bills are paid. This added aggravation is most annoying.

Michelle of Portland ME (03/16/08)
I mailed out my payment 6 days in advance and it was not received for 16 days resulting in my first ever credit card late fee and defaulting on the low APR. I spoke with a customer service rep who would not help me and I asked to speak her supervisor. The supervisor told me that though it may not have been my fault, it wasn't their fault either. Therefore, Chase would waive the $39 late fee as a one-time courtesy but it will still go on my credit report and my low APR will still be defaulted. The supervisor basically blamed me for using the postal service and not online payment and told me to have a good day when I said I was going to transfer my balance and close the account. I certainly do feel like a valued customer.

Roberta of Medway MA (03/16/08)
I have had Chase reduce my credit limit as I paid it down from $12,000 to $6900. (my balance owed was about $6400). This one step by them makes it look like I am using 90% of my credit thereby reducing my credit score and changing my debt-to-credit ratio. The next month a letter arrives saying I am more of a credit risk and guess what, my interest rate is going up to 29.9%. That's right (and don't forget the compound daily part of the equation). I have been a card holder for 9 years and never late and always paid more them min due. I have NEVER seen Major Corporations in the US get away with this kind of business practice as I am witnessing with these credit card companies. It does not surprise me that only in March 2007 Chase (CEO Richard Srednicki),Citi, and Bank of America were being questioned in Washington DC on their credit card practices and yet I see them doing Business as usual.

Dealing with these crazy interest rates without any TRUE justification to be at this RECORD BREAKING Level. Not having fixed rates, but variables, daily compound of interest, change of due dates to benefit them has caused more stress and financial hardship then I can describe. I have taken money from my retirement 401K, spent hours on phone talking to reps that do nothing in the end, written registered letters that don't get responded to.

Jim of Boulder Creek CA (03/15/08)
It seems that there are a lot of late fee complaints. While my credit card statement is sent to me, they appear to make every effort to make sure I will be late. They mail my Home Equity Line of Credit statement up to 15 days after the statement date is due so that it typically arrives a day or two before it is due. Other friends dealing with Chase say the same thing. It appears to be a pattern to their business practices that are predatory. I wonder how many thousands of late fees and rate hikes they have collected in this manner? I'm moving to a local bank.

Late fees on the LOC - they can't touch my credit card interest rate because I pay it in full.

Kenneth of Beecher IL (03/14/08)
This floating due date is crazy when the banks change it. We should have a Federal law and make it the third Friday of every month for all due dates. Chase and Citibank are predatory, no matter how you look at it. Did you know I read in the Chicago. Tribune that all the banks in the U.S. made 17.2 BILLION on N.S.F. fees? Thats your money and my money; they are just taking it and laughing at us.

Hong of Katy TX (03/03/08)
Chase Marriott Visa Credit Card provided 0% APR on balance transfer to me for 6 months. I borrowed $20,000 on 11/2007, and I paid minimum payment afterwards monthly. I paid on 1/23 for Jan.'s payment which was 4 days late due to my travel. On 1/23, right after I made the late minimum payment, I called the customer service to explain the late reason and asked to restore my 0% back. I was told that he would submit a request for me and there should not be any problem to restore my 0% APR back. However, he told me to call back after 1/28/08 to make sure it would still be 0% APR. After 1/28 (forgot the actual date), I made call again. I was told there is no previous request to restore my 0% APR, but she submitted the request now, and there should be no problem to restore 0% APR. 

On 2/12, Chase card member service wrote me a letter. I did not read it until 3/2/08. In the letter, it says: The promotional balance is still active. However, in accordance with the term associated with your account, you may lose the promotional APR as of the first day of the billing cycle in which a default occurs. If this is the case, your next billing statement will indicate that your promotional APR has changed to your standard APR.

On 02/2008 's statement, they do charge me over $260 finance charge and $39 late fee. If I was told that I would lost my promotional APR earlier, I would have paid my full balance in Jan, 2008, to avoid future finance charge, but I just know it for sure now. I just paid my balance in full since I was told the interest is 15.99% and accumulating daily. Additional information: They don't send me a paper statement. Today, I received another letter on new 0% APR they will provide to me. When I called and asked, the customer service representative told me it is for new transfers only, but it did not say it on the letter though.

I paid over $260 in a finance charge and $39 late fee charge today, and I was told they will charge more. The APR is 15.99% now.

Dan of Twentynine Palms CA (02/28/08)
Do not get this card! The first time I got this card I used it for its 18 month, 0% interest. I then bought a big item. After about 6 months of making payments (it was the month of December) I never received any statement and forgot about the payment. Of course they refused to work with me, charging a huge late fee and raising my rate to 29%. So I canceled that card and they sent me another one with the same benefits, 0% interest for 18 months, after that 9.99%. Well I took the bait, put a couple thousand into a home remodel. And lo and behold here comes December again and no statement and another late fee. This bank seems extremely shady, and I will never trust them with any kind of money again.

Clayborn of Ooltewah TN (02/25/08)
On Feb 8, 2008, I went online to pay my Chase Credit Card (as I always do). It was due on that date. When I entered the payment, I got a message that in order for them to credit my account with a payment for that day I needed to paid a fee. I started to pay it (even though I thought that was wrong). Then I read the statement that said I could go ahead and submit the payment; it would be processed on the next business day, but would be credited as of the date I paid it. So I did that. I got my next statement, and they did not credit my account as of the date I actually submitted for payment.

They charged me a late fee of $39.00 and raised my interest rate. I had only used this account to transfer higher interested rate balances, and my interest rates were 2.99%, 4.99%, 5.99%, and 9.99%. They raised my interest rates to 22.74%!

Bess of Cerritos CA (02/25/08)
They have closed accounts for no reason. I would like to redeem our earned rewards. Chase caused my credit score to go down by closing my account for no apparent reason. I have been paying off my credit card acct every month. I would understand if I'm not paying or missed a payment. They have done this also to my brother and my friends. We have been saving those rewards not for them to keep. This is a wrong practice for them to close and account for no reason. I've been calling them, but they give us the run around and excuses.

Kay of Titusville FL (02/24/08)
I have had a chase credit card for a while, with a fixed rate I always paid on time or ahead of time and well above the minimum. When I received my new bill my interest rate had gone up. When we called to find out why they said I had too many accounts. I want to know who they are to tell me how to manage my finances? It is not morally right to do this. I am 61 and it is up to me to decide how to manage my finances not them.

I cancelled the card although I will pay the balance of course. These credit card companies need to understand that the don't have control over consumers. Without us they would not be in business.

Linda of 72 Mountain Rd. PA (02/24/08)
I received a bill from Chase/BP with an overlimit fee of $10.00 and when I called the 1800 # I discovered I was charged another fee for overlimit. I was informed that my credit limit was set by chase and they would increase my limit if approved. The limit was increased by a small amount. What criteria do they use to increase by only $200.00? I think Chase is taking advantage of the increase in gas prices to obtain a profit. The overlimit fee continues from one month to the next with so many days in the billing cycle. This causes an overlap in two bills, even though I was not late in paying my bill and never was. But am still responsible for an overlimit fee.

My Husband and I use chase BP credit card for most of our gas purchases. This means that we will be charged overlimit fees monthly. Our household income of approximately $100,000 only qualifies us for a $1100 limit and we have exceptional credit. I had no other choice but to cancel my credit card and We will now have to rely on paying cash to fill our tanks.

Don of Tyler TX (02/24/08)
My wife and I have two credit card balances with Chase. One of the balance is $19,283.57 and the other balance is $5,078.54 as of February 2008. We have never been late on any of our payments yet Chase is charging us 21.99% (recently lowered from 26.99%) interest on the $19,283.57 balance and 21.99% (variable rate-recently lowered form $24.99%) on the $5078.54 balance which is extremely high for someone that has never been late on any payments.

I recently call the consumer service at Chase and they only lowered both rates around 3% and 5% which is extremely high for someone that has never been late on any of these payments. Is there anything you can do to help lower the interest to a reasonable rate? 

Dana of Maricopa, AZ (02/21/08)
I have been a Chase credit card member way before Chase was even in business. My card was issued 10 years ago through First USA bank, then Bank One, then eventually Chase. For 10 years I carried the same card which earned points that I could use to buy down my AOL internet service. I have always paid my bill on time for 10 years and in full.

Since online bill pay was conceived, I started to pay my bill that way. Never had a problem until last month when I sent the payment on time but Chase took their sweet time posting it so I guess they could legally charge me late fees and finance charges?!?!?

I got nowhere when I called and asked them to remove the fees, so I closed the account. The next month I scheduled my Chase payment (via internet banking) and watched my Chase account very closely. No posting for 4 days!  I called Chase and told them that I was watching them very closely this month as well as my bank that sent the payment to them. Guess what? Payment posted soon thereafter.

It is pretty bad when you make your payment on time and still have to babysit Chase to make sure they post it on time.

Dan of Phoenix AZ (02/18/08)
I have had a credit card with Chase for about 7 years. I have never paid a day late or a dollar short, with them or anyone else, yet they just raised my rate to 25%, claiming it was because my balances were too high based on my credit report. I have six other credit cards, and they're charging me an average of 10.5%, based on the same reports. When I tried to get Chase to lower the rate, they basically told me that I could either accept it, or cancel the card. Since doing the latter would negatively impact my credit score, it's not an option.

I'm in the process of getting a new business up and running, and have let my credit card balances rise in order to preserve capital to pay marketing expenses. The payment for the Chase card has close to doubled overnight and is hurting my ability to get my business off the ground.

Heather of Augusta GA (02/18/08)
The company charges extremely high interest rates! Not only that, but the company's customer service reps are not very knowledgeable about the company's process of adding a person to an existing card member's account. I went to add my brother to my account, to have a joint account in order to build his credit. I specifically asked the customer service rep if he had to run my credit, too, since I had just bought a home I did not want my credit run again that year. He informed me that he would not need to run my credit, but only my brother's. On the contrary, when I received my free credit report in the earlier part of the year, they did did run my credit when they added my brother. No one would directly answer why this was done. Because of the lack of knowledgeable people, I only use the card when ABSOLUTELY necessary, in order to avoid hassling with Chase.

My score was lowered, and this could affect future purchases based on my credit.

Rick of Cranston RI (02/17/08)
I checked my Chase Credit Card account to pay my monthly bill, and I had racked up almost $80 worth of charges: three $7.99 fraudulent account protectors, and a $59.95 charge from Trilegeant Health Services or some garbage like that. I Googled Trilegeant and found this website, which says that there have been previous issues. I never signed up for ANY of these things--the fraudulent account protector or Trilegeant Health Services.

When the guy on the phone told me that he would give me the numbers to call the companies that made the charges, I remembered what I read on this website, and demanded that the charges be removed IMMEDIATELY. He transferred me to security, where a rude lady eventually told me that she would cancel this account and all of those bogus charges along with it, and transfer the one legitimate charge to a new account with Chase. If I have one more of these illicit charges show up on my account, I am undoubtedly canceling my card permanently.

Daniel of Linden NJ (02/16/08)
I was charged a late fee on my Dec. 2007 bill.  As soon as I noticed this, I contacted Kyle, customer service rep, to see why and possibly get a credit for this rare late fee. I explained to him that I am never late, and I must not have received a Nov. 2007 bill. He said before he can even discuss giving me a credit I would need to pay the full amount due . I did that immediately with a letter explaining what might have happened. In the letter I wrote that if they were to check my payment records, they would see I am never late and always pay at least the minimum if not more. I just received a letter from Siddhesh Thomas, a financial service adviser, explaining they can't give me the credit. I then called cust svc and spoke to Belaune; she too said she could not give me a credit. I asked for her supervisor, she said there was none in. I then asked for her boss's name, it is Missy Blair. I advised Belaune that if she were to look at my payment history, she would see I am never ever late. I know from being a cust svc rep for Verizon for 30 years there are times things happen. She still insisted the fee remains. I asked her why she thinks I didn't send my usual payment, she did not reply. I then told her I will close out my account, pay the bal due minus the $39.00 late fee which I will never pay. She advised me it would go on my credit.

I have excellent credit. I reminded her, and if I fail to get a loan because of this horrible customer service, I would sue Chase. I realize Chase has a bad reputation. Now I know why. I plan on contacting their CEO. I need to know what Fed agency oversees credit card companies.

THE RESULT MAY BE A BAD MARK ON MY OUTSTANDING CREDIT BECAUSE OF $39.00. I STILL CAN'T BELIEVE CHASE REFUSED TO EVEN DISCUSS GIVING ME A CREDIT. I WOULD UNDERSTAND IF MY HISTORY SHOWS I DO THIS OFTEN, BUT IT DOES NOT.

Jeanie of Orange CA (02/16/08)
Chase added a finance charge even though bill was paid on time and full amount shown by online statement. Contacted customer service who did not listen and instead blamed the problem on me in a rude way. I have always paid in full for the 9 years I had the card. I canceled the account with Chase.

Overcharge of $36.52. Damage to credit rating.

Toni of Cary NC (02/15/08)
I have had my balance transfer rate reinstated but I'm sure others have not and this was a dirty trick/deceptive practice by Chase. They tripled my interest rate on my balance transfer amount and charge me a late penalty because they changed my payment due date and only notified me the month before. The notification was a small paragraph at the bottom of the statement that I did not notice. It is under a category called Important News but the notice is not highlighted or anything.

I pay on the same day every month through my bank's billpay and when they changed the due date my payment was two days late whereas it is usually about 5 days early. I feel this was a deceptive practice in order to make customers lose their low balance transfer rate. Other customers need to be aware. My rate went from 4.82% to 17.99% and a $40 late fee because they changed the due date on me.

Laurie of Overland Park, KS (02/13/08)
Consumers beware: Chase Bank on their credit cards does NOT post payments to first item in, first item out. They post payment to the lowest interest item first I.e. purchases. Then what they have been doing to me is taking the interest on cash advances that was billed and posting it to the cash advance balance. I.e. Charging interest on interest at the cash advance rate! I don't know if this is illegal, but it should be. If this is illegal, are there any attorneys out there that want to start a class action suit against Chase Bank?

Joshua of Las Vegas NV (02/13/08)
I have been with Chase bank for over 5 years and have been a Perfect Customer as they call me. Never 1 late payment and I pay them thousands of dollars of interest I am ashamed to admit for my $16,000 credit line. In November of 2007 I was reading the press release you have on your Website that Chase CEO went before Congress and testified about their suspect Business practices and was pleased to see they were stepping up and stating that they were discontinuing the practice of phishing through Credit reports to raise customers interest rates and will end March 1st of 2008. A couple weeks later I got my notice stating that my interest rate is changing from 12 1/2 percent to over 26 1/2 percent. They didn't care that I was a Great customer they just wanted me to Opt out and close my account or accept the rate the computer gave me. No one could help me unfortunately.

I let them know about Consumeraffairs.com and that I will be writing to the Congressman who oversees the Industry and to really give me a second look as I will out then. They kept telling me we won't end the Practice until March 1st, sorry. I pleaded with them and said you don't even care that I have been a Customer for 5 years and I said that I really like their card and don't want to cancel. Again they don't care about you! I canceled and I get my next statement and my interest for the month took me over the credit line and they slapped me with a $39 fee out the door. They fortunately took the charge off as a 1 time courtesy. I said that was illegal and Customer Service rep said it's not and we do what it says In our rules! Enough said please post the facts to watch out for this Company

Stress! My Credit line of $16,000 at 26 1/2% =$4240 annual which means every monthly bill I would pay over $350 in interest before the principle. Just the Cold hard facts. Do they want me to go bankrupt?

Constance of Virginia Beach VA (02/10/08)
Customer Service indicated to me that Chase raised my interest rate on my credit card account from 7.99% to 20.49% arbitrarily because they didn't like that my credit report shows numerous amounts of credit cards not because I didn't pay my debts on time. I very seldom have late payments, if any, on my accounts from their inception. They say they sent me a notice they were going to do this but we have had trouble receiving all our mail forwarded to us when we moved in October of 2007. I feel this is unfair to me as I have been in good standing on all my accounts and just because they do not like the number of cards I have is too bad when I pay them all timely. Credit companies offer all these big deals but change at their own discretion whenever.

Raised my interest so high my monthly payments are doubled so when I do pay only only half of my payment goes to principal therefore jeopardizing my ability to pay and I feel I am being treated unfairly

Garry of Euless TX (02/04/08)
After having my billing for a Chase Credit card set for Email notification, I was sent by Chase a notice of payment on 02/04/2008 for a payment due date of 02/05/2008. The Bank of America could not send this payment until 02/06/2008 which would automatically add a late payment fee to the Chase Credit Card account. I notified them by phone and asked them how anybody could make a payment that fast.Their reply was that I need to make an immediate payment by phone, with charges, in order to avoid late fees. I really feel that this is an unfair business practice which is designed to bring in additional revenue to their business. After all, if you do this for $10 an account times 1 million accounts, it equals 10 million dollars. Not a bad profit for questionable business practices.

I told the person on the phone that I really couldn't believe what I was hearing and that I needed to be recording our conversation. At that point they refused to talk to me anymore or provide me with any over the phone services regarding my account. My question to you would be, are there any laws concerning the amount of time that a large corporation must allow before a bill is considered overdue, and what are the legalities concerning charging late fees or processing fees? I don't mind doing business with companies that practice legal business practices, but Chase Bank practices seem unfair and illegal.

Late Charge Fee Accessed and Account Interest rate increase as penalty.

Demetra of Glenview IL (02/04/08)
I hold two credit cards with Chase. Over the past year, I received notices that unless I agree to an outrageous interest rate hike (on future and current balances), my account would be closed. I have never made one late payment on either of my accounts. Both of my accounts had very low interest rates - first 0% and then 7.9 and 8.9 respectively. I think it is outrageous that Chase is allowed to do this to consumers who have never made a late payment.

Furthermore, forcing consumers to close accounts lowers their credit score. This seems inherently unfair and wrong when the same consumers have paid their bills on time. Chase likes to lure consumers in with low introductory rates but doesn't seem to have any intention of honoring their offers.

Richard of Jamaica Plain MA (02/01/08)
Credit card introductory rate was 0% for 12 months. At the end of the introductory period, the rate would default to 9.9%. The original terms of agreement stated that late payments, returned payments and over limits would terminate the introductory rate and default to 9.9%. The payment was missed by 1 week, and the rate defaulted to 29.99%. No change in terms notification regarding the new default rate was ever sent. This is not an issue of losing the introductory rate but rather imposing a default rate that was never accepted. Upon inquiry, Chase then only offered a home equity line of credit to pay off the high interest credit card. This all happened within 6 months of purchasing a home.

This is a transparent attempt to try and force me to secure an existing, unsecured loan. Now I am accruing interest that exceeds the payments being made.

Paul of St Augustine FL (01/26/08)
My Chase Credit Card expired in July, 2007, and was not renewed; however charges continued to accumulate after expiration including new charges every month for TLG*Everyday $11.99 (or more) and TLG*Travel $119.99--for services that I was unaware that I had. I am 83-years-old and do not travel. My son called Chase in October to get a balance so I could pay Chase off and close the account. He was given a payoff total of over $22,000 which I immediately sent in. However I received another bill for $208.28, which I though was included in the amount I had sent in the large check. My son did get them to stop the TLG accounts, and I do not recall how many years they were on my account before my son questioned those charges. I now owe $337+ due to continued late fees of $39 per month plus finance charges on the $208.28 which I though was paid off.

My son contacted Chase in Dec. and Jan., and they will not reverse any of the finance or late charges. They told my son today that they could not have quoted him the $22,000 amount because they are not able to quote payoffs. They will not accept anything less than the $337.41 due now. They prey on the elderly and have profited from services I never used--and did not realize I was being billed for those services.

My wife is nearly 86 years old, and we are on fixed income. She has Alzheimers, and we do not want the stress involved with this. I have had to allow my son to become involved in my finances due to corrupt practices allowed by Chase and affiliates.

Mary of Hilton NY (01/25/08)
I went to a Chase Bank and paid my credit card bill in person. It was 2 days late. I had never been late before. The next month, my interest rate had more than doubled. It also took Chase 4 days to process the payment. When I called customer service, they told me I should have paid over the Internet, because that would have been processed immediately. That's ridiculous. I then complained about the interest rate increase. I also asked where in the agreement I accepted did it say that my interest rate could be doubled because of a single late payment. I had accepted one of Chase's promotions for a low interest rate for the life of the loan. No where in that offer did it mention late payments. The customer service rep said that low promotional rates always end if there is a late payment. So I dug thru the promotional material. On an insert that looked like a common ad (not a disclosure agreement) there was a statement that interest rates may change if the terms of the credit card agreement were not followed. That supposedly was the disclosure.

I have had this credit card for 13 years with Chase, and never been late. I have several accounts at Chase. They didn't care. I threatened to close my accounts, and they don't care about that either. I spoke three times to a branch manager, and from the sounds of it the branches have absolutely no influence over the credit card division at Chase, so that has not helped either. I called Chase customer service again, and they said that they could lower my interest rate by 1% as a gesture of good will, since I had been a customer for so long. The customer service rep then read a long disclosure message to me about interest rates and terms of the agreement. When he got done reading the disclosure, I said I didn't want to accept. He told me it was too late - he had already made the change. I asked him how he could make that change when I had not agreed to it, and he didn't have an answer to that.

Clark of Wawona CA (01/24/08)
In October 2007 I received a monthly statement from Chase; they raised my interest by more than 7 1/2. I have never been late on any credit card and had this card since 1997. I called to see what steps as a consumer I could take to reduce the interest rate, assuming there was some magical secret number of a balance I could bring it down to, to reduce my interest rate. They said in such a way that led me to believe everything was arbitrary and there were no written set rules, and they reduced my limit, which damaged my FICO score. Since then I have not used the card for any reason other than to pay the balance and have paid the minimum monthly AND the current month's finance charges. Even though the interest rate has not gone up or down, my monthly minimum keeps going up, and my monthly finance charges keep going up month after month. There is no mathematical reason why this should take place. I hate Chase Visa and Master Card credit cards

Damaged FICO score. Monthly minimums keep rising and just eats my wallet.

Desiree of Salisbury MD (01/24/08)
When a credit card account is closed (i.e. due to loss or theft), automatic bill payments should not be accepted by the CC company and certainly should not be transfered to the new card (when applicable)--especially not over a month later. Closed should mean closed. I would rather have the security of knowing something is over and accept the responsibility of redirecting my automatic payments and any consequences from denied payments (most companies are very reasonable when contacted) than having to constantly monitor my bill like a hawk to see what charges the CC company randomly accepts. There should be legislation barring them from this practice especially when directly requested by the consumer.

Larry of Mesa, AZ (01/22/08)
I was given an unfair increase in my interest due to a so call late payment. I went on line to pay my chase credit card and I paid it with a Chase savings account. I received a confirmation of payment received and a confirmation number. The following month's statement showed that I had not made any payment the previous month and that I had defaulted on the terms of agreement.

I immediately contacted a Chase representative and explained what had happened and they stated that I could not pay my CHASE CREDIT CARD with a Chase savings account and only a checking account. The online bill pay did not specify this and accepted my payment. The rep took away the late fee service charge but did not keep my lower interest rate of 4.99 for life.

Dana of Maricopa AZ (01/22/08)
I have been a Chase card holder since Jan. of 1999: same card, same card number. When my card was issued to me, it was under First USA Bank, then Bank One and now Chase. My payment was due on Jan.10, 2008; and for whatever reason it did not get posted until Jan.11, 2008. One day late and they charged me a $39.00 late fee, and on top of that $19.72 in finance charges! I have always paid this bill on time and in full for 10 years...but for some reason this time they got fee happy!

I called them 3 times and one out of the 3 times I spoke with a supervisor; all declined to reverse or waive these fees! So I closed the account, and they were more than happy to do that! Will NEVER do business with Chase again!  I'm out $58.72 in UN-REALISTIC fees that should have not been imposed and credit report will now show a late payment. This is just not right, unfair and very UN-AMERICAN!

Samir of San Antonio TX (01/21/08)
BUYER BEWARE. Chase has got to be by far the most unethical, disrespectful bank that I have ever dealt with. They are greedy and want to maximize their profits at the expense of the consumer. The situation involved my credit card. I was charged late fees, over limit fees, and various other finance charges and fees that totaled $240, in one month. I chose to use their online service to transfer money from my other bank account to my credit card account, held by Chase. Chase charges a fee for this transaction. So my account was over the limit. Chase also charged me an insufficient funds fee. I disputed this and sent them a bank statement PROVING that there was money in my account at the time, and there is no way that the account had insufficient funds. I finally closed the account and paid it in full. But the fees never stopped.

Did you know that if you have a balance on your Chase account, you will have to pay compound interest on that dollar amount regardless of how its computed? Let me elaborate: If you closed your account (which you should do if your reading this), and you paid the balance in full, the interest that was charged will still be valid on that account. If the interest amount is $100, if you pay that $100 you will receive a bill the next month, charging you interest on that amount that you owed. This cycle will not break, until you pay them more than they bill you for and hope to get a refund check in the mail. I am very dissatisfied with Chase, and have done everything in my power to make others aware of their business model: GET AS MUCH AS YOU CAN FROM THESE IGNORANT PEOPLE WHILE THE PICKING'S GOOD! My loss is your gain, as I have valuable advice: Never bank with Chase, do your research. You have the power of Google at your fingertips. What happened to me could happen to you.

Paul of Upland CA (01/20/08)
We have been charged multiple late fees on our acct with Chase over the year and a half we have been with them. I found out about most of them when Chase had placed a 30 day late on my credit report. I do not keep my statements and use bill pay, so everything is paid on time. In researching this I asked for all my statements from the begining. I then requested my bank statements so I could check each month. I was horrified at what I found. Month after month my bank shows a payment received on time and Chase shows the payment received the next day and charged me a $39.00 late fee. This has happenend to the tune of over $400.00, then they charge an overlimit fee on top. I had NO IDEA!

I had made arrangements with an agent from Chase last summer when we were going out of the country to pay my payments ahead so I would not have to worry (this was before we had bill pay). I paid 4 times the payment to cover the two months we were gone. They charged me a late fee for both months anyways and now they say they do not make those arrangements. But I have the letter confirming those arrangements and the agent's name. Chase just responded back to me after I sent them proof saying that their records are correct and my bank is incorrect! This is balony. What recourse do I have? A law suit is what I am thinking of doing. I am also contacting Se. Chris Dodd to see if his office can help. They just can't get away with this kind of stuff. They cannot get away with just brushing people off. I have ALL their statements and all bank statements proving they are wrong!

Over $400.00 in bogus charges and a 30 day late on my credit report that has hurt my fico score.

Jim of Phoenix AZ (01/17/08)
I have a credit card with Chase Bank. It was due on 1/17. I get online to pay it at 4:55 PM MST. I am informed by the site that my payment is already past due, since all payments have to be in by 4PM EST. Meaning 2 PM my time. This angers me. But then what the site states next is criminal at best. They said but for a $14.95 charge to my credit card they can process it today.

In other words they can they have found a new way to gouge a customer. On top of that when I went to the contact us screen they have no way to email them. They only give a phone # with a current wait time of 20 minutes.

Donna of Shadyside OH (01/16/08)
My husband and I have had our Chase Credit Card for several years. We have always paid our bill on time and for more than the minimum payment. During the recent Christmas holidays, I went over the credit limit, assuming that I would have to pay a fee and that my minimum payment would go up which is all understandable. When I opened my the bill I received after Christmas, I discovered that my minimum payment jumped from $200.00 to $568.00 (for going over my credit limit by $400.00). When I called to inquire, the csr stated, much to my surprise that it is Chase's practice to make the consumer pay the entire amount of the overage at one time in addition to your minimum payment and of course the $39.00 fee.

I paid the amount requested a week and a half before the due date (1/6/08). On 1/3/08 I received a call from Chase stating that if I did not pay an additional $176.00 before 1/6/08 they would turn me into a collection agency! How can they do that when I paid the requested amount on my bill and paid it before it was even due?  The csr replied and I quote, "Because you did a bad thing, and there are more charges on the card that posted after your statement." So, I promptly paid the $176.00. When I came home from work late Sunday evening (1/13/08) I saw a call on my caller id from Chase (9:30 pm). There was no message so I assumed it was a telemarketer. On 1/16/09 I received yet another call from Chase. The customer service representative stated that I was still over the credit limit due to $155.00 in finance charges and if it was not paid I would be turned into the collection agency. My husband and I have been excellant customers (accept for the one over the credit I spoke of), always have paid the bill early and up until the recent charge paid more than asked. We have dealt with many companies through the years and Chase is by far the worst, bordering on (in my opinion) criminal behavior. I told the csr that the bill would be paid when I received my statement and to please quit calling my home. The csr replied that they would call my home every 3-5 days until this was paid. When I asked if I was going to be turned in to collections she replied that she did not know. When I reminded her that that was what she stated at the beginning of the call, she replied, "Well, what do you think?" Very rude, disreputable company and my husband and I will pay this card off in full and never deal with them again. Chase is also the bank where we have our checking and savings and this will be pulled out and put in another bank.

There is no physical damage done. So far as economical damage I did owe the over the limit amt but I disagree with their practices. The true damage is the harrassment I am receiving when I have never given them any indication in any way that the bill was not going to be paid on time.

Bernard of Detroit MI (01/16/08)
My social security direct deposit started to disappear as soon as I got a credit card from the bank. Hidden fees and a ghost debit appeared on my statements. I asked for an investigation, no dice, not my problem became their mantra. Just pay it was another saying. I even took the paper overdrafts to the branch and they said everything looks fine. No explanation for who or where my money is going.

I might be cold and hungry starting next month because the bank will have my entire check in its jaws. I can't pay the landlord, utilities, bills, or the moving violation to the city of Detroit next month. Social Security is no help either because they say I need a password to access my own account, something I didn't need before direct deposit.

Herbert of Jersey, VA (01/14/08)
Over one year ago, we paid our credit card balance in full. This left a zero balance, and we even verified this with customer services. One year late there is a negative item from Chase on my credit report. They state that we owe them interest money from the time they billed us through when they received our final check. A period of 20 days.

They have never sent a bill or contacted us in any way. How can they do this?

Chris of Glenolden PA (01/11/08)
3 months ago I was offered a promo rate of 0% thur 2008. I took advantage of the offered and transfered 8k to the chase credit card. I had been with chase for 9 years and had never missed a payment. During the holiday season I had a payment due on 12/28. I went on line on 12/29 to do an online payment that did not post until 1/3/08. I got my statment and noticed that my rate had gone from 0% up to 28% with a $39 late fee. I contacted chase to discuss and they refused to negotiate, they said that I would have to demonstrate a 12 month payment history before my rate could be removed. I talked to a manager and she said if I'm not happy to just close my account. I took her advise and closed my account and transfered my balance to another lender. The customer service was horrible. Chase was not even willing to discuss or negotiate a competive rate. All parties very rude. I also have a 30k auto loan with them that I will be refinancing to another lender ASAP.

Poor Customer service. Bait and Switch tatics. My time, money and history with the company was not even considered.

Jessica of West Linn, OR (01/09/08)
I received a balance transfer offer of 3.99 for the life of the loan from Chase Card services. I transferred my balance and began to make weekly automatic payments to Chase. I have not missed a payment. Chase changed my payment due date, giving me only 2 weeks in a billing period resulting in a late charge and an APR jump from 3.99 to about 19%.

I called and after much discussion and being transferred from one dept. to another we were given the 3.99 back, had the late charge removed and were told that all interest charges would be prorated and all would be taken care of. Today I got the bill that would reflect these changes and was floored. They did remove the hefty interest charges, then charged them back plus interest. - an extra $120. There was also a charge for a convenience check that I nor my husband made.

I called and was told, "that was just how th