Complain about a product or service

Chase Credit Cards

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.

Shantel of Salt Lake City, UT November 18, 2009

My husband has a Chase Card and never charged to the full limit and paid more than half of what the minimum payment due was. He had a good month in August and decided to pay the card off, however he paid it four days later than the due date. A statement was sent the following month for 618 for late fees and interest on a final payment of 183. I was shocked to see the interest and penalty were more than he owed. He has called every day to dispute it and every person he speaks to say's they will take care of it because he was a good customer, but nothing has ever been done.

The whole amount ever charged on this card never exceeded 1600 and payments of 200 were made monthly and the account has never been past due. I don't understand why you penalize people with prepayment penalties. If you are thinking about getting a card with Chase, think again. Unless you have an abundance of time on your hands, or nothing better to do then dispute fees I think people are better off not dealing with Chase.

This has showed up on his credit in the last month when we purchased a car as a delinquency. He has impecable credit and now has his first negative mark.

steven of columbus, OH November 18, 2009

Like the stories above I had 2 Wamu credit cards and a Chase card all in good standings UNTIL May of 2009 ! CHASE Raised my intrest rate and then soon later CLOSED my Wamu credit cards. WOW it took me 3 months to pay the 5,000 balance off the 2 cards. I called and asked CHASE why they have closed my CHASE credit card? there reply was that I have been in good standing with them for 5 years. I replied that I have been in good standing with the other 2 credit cards for 10 years.

I then told CHASE that I could not TRUST them and closed out my card which has a 32% intrest which has a now balance of 3,500. Down from 7,000 5 months ago. I HAVE LOST TRUST IN CHASE AND WILL REMEMBER. It's not just CHASE doing this to people....so I hope that after all of us REMBER these days. I hope that when you pay all of your debt to a 0 balance. you REMBER THEM.

Robert of Dothan, AL November 18, 2009

Chase doubled the interest rate on my credit card due solely to 'economic conditions' as described by the customer service representative I spoke with. I told her that I never received the letter and she said 'that is not going to fly' and what they did was perfectly legal. I told her it may be legal but disreputable business practice and a class action lawsuit may prove me correct.

Doubling the interest on my outstanding balance is causing financial hardship at a time when no household can stand the extra burden. I am looking to be a part of any legal action against Chase.

Dorothy of Commerce CIty, CO November 18, 2009

I, like a lot of people had a WaMu credit card, and I was more than pleased with it! Then Chase took over and it went down hill in a matter of four months. First Chase notified me of an increase in my interest rate. Then two months later, another rate increase! I've never been late with ANY of my accounts!

Then just two months after that...they CLOSED my account! The reasons were NOT justified! I feel we as consumers don't have any rights whatsoever! Each time I drive by a Chase bank, I get so mad! Stop this insanity!

PJ of Washington, PA November 17, 2009

I have excellent credit, in the multiple years that I have had first Providian then Chase I was never late. I received a letter in Oct. advising that my limit had been reduced, based on a credit report. I called Chase and challenged them, to which they had absolutely no validation.

My other concern was that at the bottom of this letter was a statement which stipulated that if they lowered your overall limit that below what was owed you would have 45 days to make up the difference or pay an overdraft fee monthy. I questioned the CS rep. who had no rationale as to why this was. I do not believe this is legal and validated that. I immediately closed my account and a reporting Chase to the Attorney General's office. Additionally the minute I closed the account my new rate were I to re-open the account was set at 28.99%. I would be most happy to participate in any class action suit against Chase, or even start one. For those of you who continue with Chase, make sure you are looking at you bill.

Additionally I just attempted to pay mybill on line, and acually I typically pay more than what is due, surprise, surprise, I am unable to pay more than the minimum, which in against the law.

Susan of Elgin, IL November 17, 2009

I had a Chase credit card that was converted from a WAMU card. I was vetry happy with my WAMU accounts and credit card. Yesterday, I received a notice increasing my rate from 10.24% to over 17%. I have never been late with any credit card payments. They can get billions from the government and then stick it to their customers. I am closing out this card and I am also closing my Chase checking and saving account.

Sandra of La Mesa, CA November 17, 2009

I had a credit card with WAMU and when Chase took over they raised my interest rate from 0% to 6% to 9% to 10% and now its 16%! This has all happened within a year! I have always made more than the minimum payment and never had a late payment. Yesterday I just received a notice saying that if I do not call or write by December 1 the interest rate will increase to over 20%. I will be making that call today to close the account. This is so unbelievable that Chase can get away with this.

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