Complain about a product or service

Chase Credit Cards

Wayne of Costa Mesa, CA November 20, 2009

On October 16, 2009 Chase sent me a letter advising me my interest rate was being raised from 14.24% to the default APR of prime + 26.99% because I exceded my crdit limit. On November 3rd I sent the following letter to them by certified mail.... "My purpose is to dispute the over limit charge and associated penalties as stated in this letter. My dispute is based on the fact that I was entrapped into these penalties by accessing my account on line at your website. I shall outline the time line and sequence of events.

About September 14, 2009 my computer crashed. Since this is device is needed for my home business I went on line to find as economical a replacement as possible. I was able to find a computer for 173.11 and required operating system for 68.94. This was a total expenditure of 242.05. In a search for a way to make this purchase I accessed my Chase credit card account on line on September 16, 2009. When I viewed my account on line it clearly showed I had available credit of 253.91.

"Based on this information I used the credit card to make the purchase of the computer and operating system (242.05 total). Note that although the 68.94 for the operating system was ordered on September 16 it was not billed until it shipped on September 18th. In my opinion this left available credit of 11.86 and I did not exceed my credit limit. On September 18, 2009 the 68.94 cleared. On that same date an over limit fee of 39 was charged as well as the finance charge of 107.74. The over limit was caused by the assessment of the finance charge.

"I use the program 'Microsoft Money' to administer my banking needs. One of the features of this program is that transactions on my Chase account are automatically downloaded to this program in real time as they occur. I am attaching a print out of the Chase account transactions that shows the date of occurrence to substantiate my previous statements.

"Based on the information I have provided in this letter; I am requesting that you credit back the 39 over limit fee and rescind the change of terms penalty state in your letter of October 16, 2009. I acquired this credit card on February 25, 2008 from Washington Mutual. I have never been late in a payment or over my credit limit until this experience. I hope you will take that into consideration when reviewing my request. Thank you for looking into this dispute."

On November 10th I was sent two letters for Mithilesh U., Financial Service Adviser. One letter stated that "the interest charge was properly billed" the other stated "our records indicate this fee (overlimit) was properly charged." These were boyh obviously standard form letters with no consideration for how I was entrapped by checking my credit availability on their website.

I am sure other card holders are experiencing the same fraudulent practice. Financial loss due to increased interest rates and overlimit fee charged. I would welcome a probono attorney interested in a class action lawsuit against Chase.

April of Adamsville, AL November 20, 2009

I opened a Chase credit card in 2005, and a year later I even financed a car through them. I have been a very good customer, and have a good credit history/rating. In September of 2008, I was sent information that my interest rate was going up. After calling Chase, I was told that the only way to avoid this increase was to close the account. I did so, and continued to pay off the balance.

Today, I log in and see my November statement, and Chase has raised my rate by 3%. ON A CLOSED ACCOUNT! I called. The rep informed me that I had been mailed information in September concerning a rate increase, and should have written a letter to them in order to "opt out" of the increase and sent it to them before Sept. 25th. To which I responded "who in their right mind would opt in on a rate increase?".

I also asked why I keep having to manage this relationship when I wanted it to be OVER. They continue to send me info by mail, but it is always checks for me to use (again, on a CLOSED account - idiots) so I have gotten used to getting [info] from them that goes directly into the shred bin. This is like a really bad break-up. I am so sick and tired of managing their errors, and managing their blatant efforts to extort more money out of unsuspecting customers.

Kathleen of Jacksonville, FL November 20, 2009

Have had a Chase Credit Card since 2007- credit line of 16K and a high of 15K+ at one point- Always paid on time and a great credit score- 753. This credit card was paid off sitting in my desk. A couple of checks recently came in and I was interested in the low APR. I couldn't even find my old card so, I called the company to get a new card and review the terms ect. I also asked them about the checks they were sending me with the low APR. All was good and she asked if she could send out a new card- I said yes.

Well I reviewed my 2 other CC accts and saw that I might benefit by using this line of credit to pay down my higher cards. I then wrote a check to my bank and seeing it cleared (they said they clear some customers automatically) I then did my online bill payer to send money to my other cards.

3 days later Chase decided they would deny the credit line and cancel my credit altogether leaving me with a balance due at my credit union. I asked why and they said they did a credit bureau and denied me. Now is that fair? By the way I just recieved more checks and the new CC today.

I am very upset and will NEVER do business with Chase again. I will take my good credit and go elsewhere. I think they are treating the people who pay on time and are good for the credit as poorly now as they do someone who stiffs them. I would not recommend anyone opening a CC or line of credit with CHASE ever!

kim of melbourne, KY November 19, 2009

My husband Received a notice telling him that our minimum payment was being increased from 2% of our balance to 5% doesn't seem like much except we had a really high balance on the card. We have always paid the payments on time. We were already paying 500 a month, with the increase our payments would have been over a thousand. No way I could pay it. Contacted chase told them we couldn't afford the payment they transferred me to a hardship department. Yes they agreed to let me keep paying the 500 but now its a balance liquidation which has really hurt his credit score, and they added 4000 dollars to the balance for interest. So now we have the next 5 years to get this thing paid off. Be careful of what they offer it can come back and bite you in the long run.

Linda of oceanside , CA November 19, 2009

I received two letters from chase bank saying heres some checks with a limit of 10,800.00 use them to to pay off your debt so I decided to use one of the checks at 0% interest to pay my debts after I deposited the check they sent me a letter saying they lowered my limit to 500.00 and now I am over the limit and bounced a check this is not right!!! I will not be victim of Chase Banks deceptive, and unfair business practices! I AM CLOSING ALL MY ACCOUNTS WITH CHASE BANK. THE NEXT STEP IS PEOPLE VS CHASE BANK! And trust me after reading the comments of outraged customers online

Shawn of Cleveland, OH November 19, 2009

I had Providian card for almost 7 years. After chase took over they reduced my credit limit in half which I couldn't care less because I really don't use it, maybe couple of hundred dollars every 6 months. Two months ago I had to use it because the service I was using couldn't read my other cards (technical issue!). I paid my last statement online (total of 230) well before the due date. Since this was my first time working with them initially I had to re-enter my bank account information which I had been using for years with Providian, I guess because now it was CHASE and everything had to be renewed ! So I did it and everything seemed to be OK. Today I checked my account online and I was shocked to see that one week later after I paid the account it was posted as "Payment Returned" plus three fine charges (additional 85 dollar).

I just called them and asked about this non sense and why the payment was returned and I the extra charges. Couple of people talked to me and gave me inconsistent answers. Initially one of them told me it was because of "insufficient fund in my account". I told her "it’s a joke and that account has far more than sufficient fund to pay this stupid bill". Then they tried to come up with other excuses and gave me bunch of BS. I was not even sure that they were different people and I felt one person trying to play the roll of the representative and her supervisor too!! I really could not trust them and after wasting my time on the phone with their ignorant agent(s) I realized that CHASE JUST WANTS TO RIP ME OFF no matter what and they are not really interested in having a decent business and costumer satisfaction. I asked them to close my account because I don' want to hear from them again.

Jeni of fremont, CA November 19, 2009

I always pay 100% everymonth and never carry any balance. I found 6 months ago, they charge me for ridiculous late fee and finance charge. ALWAYS READ YOUR BILL CAREFULLY, THEY ARE VERY NASTY AND ULGY. So I called and cancel the card at end of May and pay off whatever I owe on the day and sent they all the payment IMMEDIATELY.

However, they sent me closing statement every month and still associate finance charge, when I owe them ZERO. I WOULD LIKE TO URGE ALL THE CONSUMERS TO STAY AWAY ALL THE BAD CREDIT CARD COMPANY.

Denise of DETROIT , MI November 19, 2009

My Husband is presently unemployed and has been since November of 2008. We have gotten far behind on our account and can't catch up, not only with Chase, but with all of our creditors. In an attempt to keep from filing bankruptcy we have tried to at least reach some of equitable settlement. However,those whom we have talked with are not willing help us during the time of our hardship.

With other creditors they seem to be more willing to come to some agreement and I don't understand why Chase being such a reputable bank cannot assist us. My husband is making an attempt to get some monies to try to close this account. At present my balance is 4369.03. If you can help me it would be much appreciated. There is no physical damages no more than the weariness one get because of a lack of compassion from those who can help but don't

Lennix of Vallejo, CA November 19, 2009

I recently requested a replacement card from Chase for a Wamu Card that was damaged, I received a replacement at the end of October. I called the customer service line on 11/2/09 at 4:33pm pacific time to activate the card. After activating the card the customer service representative then asked if I would like to change the due date of my monthly payment from it's scheduled date of the 14th of November 2009 to a later date of November the 20th 2009 at which time I thought it was a good deal since I would make the payment on a friday. I even told the CSR of Chase payment would be before the due date of November 20, 2009, and payment would not be a problem since I have never been late on any of my credit cards.

I then today went to schedule a payment for the new due date of the 20th, and was shocked to see a late fee charge of 39.00 attached to my account so I immediately called them to resolve this issue and was told that they have no way to remove the charges even we had made a verbal agreement and that the fault was their and even though I have never been late making a payment payment and have a history of paying earlier then the due date. At that point I was totally frustrated at the lack of honesty of Chase for not honoring a verbal agreement that had been made, I was then told by the representative (Felix)that on the 11th of November the agreement of my due date was processed but not to be in effect until the 20th of December 2009 which was a full month later then the what was agreed upon, and in effect causing me to have a late fee by default. So I closed my account with Chase but feel cheated, and damaged because my credit score which is very good will suffer due to the lack of honesty and integrity by Chase Bank for not honoring their agreement.

C of Chicago, IL November 19, 2009

I have had a credit card with Chase for over 10 years. I pay off the balance monthly. Two months ago my payment which is made from Quicken Bill Pay service apparently did not make it to Chase. I was charged late payment fees and interest charges. Even with proof of the payment as submitted from Quicken Bill Pay, Chase did not credit my account for fees and interest. The next month Chase submitted a my check 3 days prior to the date of the check and caused an insufficient funds at my bank. Chase then charged me for a bounced check.

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