Complain about a product or service

Chase Credit Cards

Cindy of Houston, TX March 11, 2010

I have four cards with Chase totaling 30,000 of available credit. I owe them 7000 on one of the cards. All three reporting agencies show my 'risk' factor as 'very good', and they all show me as never late on any payment. I also have other cards with available credit, but no debt. Chase chose to close two of the cards and lower my credit limit to 8000 total on the remaining two cards, giving as the reason that my balance with them is too high.

I don't understand this! Do they not want good customers who pay their bills on time? Or does the term 'good customer' mean something different to them? I just hope that their actions are not detrimental to my 732 credit score. I don't know yet, it depends on if their actions hurt my credit score. I would call that definite economic damage.

Norma of Rochester, MN March 10, 2010

I am requesting you remove my card number and history as I never actually used this card. It was created erroneously when we attempted to set up a bill paying service through one of our charge cards. The last four digits of the account are: 9763. I will not pay any user fees or the like. Thank you and confirm to me that this is deleted from your files

Amanda of Lake Elsinore , CA March 10, 2010

I had a card with chase and recently got a notice that they cancelled my card. I was never once late on a payment, never went over my limit and always paid way more than my minimum due. I wad furious. Not because I can't use the card but because this hurts my credit. I was a good customer who always paid on time and this is how they repay me. The reasons listed were; I had too few accounts for over 36 months with them (I bought and paid off a truck with them a few years earlier), next reason was my balance grew too fast (what! I've had the card for 2 years and never made a purchase over 150 or so on that card) and lastly my balance was too close to my limit.

So apparently with chase they want you to have lots of cards with them, make only small purchases and your limit means nothing cause if you are close to it( not over it) they will close your account! So I spent money with them, always paid my bill and still got [cheated]! I will make sure everyone I know doesn't open accounts with [Chase]! Not even a notice was sent to tell me that they had a problem with my account, I will assume this was because all the reasons I was given are obsurd. I followed everything in their contract.

Barbara of Richmond , VA March 9, 2010

After reading complaints about Chase I had to write. I can top all your stories. I have been a Chase customer for years with a very good credit record.In November of 2009 my mother was in the hospital on life support and I was by her side until she passed away.Well I wasn't thinking about my bills and paid Chase one day late.This caused a late fee added to my bill.When I called Chase to explain myself they said that the fee could not be removed.I spoke to several people even a supervisor and nothing was done. I am closing my account this month after my final payment. I hope that the late was worth losing a customer that they have had for years.

Andrea of Muskego, WI March 9, 2010

One final update... I cancelled my credit card and paid off the entire amount owed and expressed how upset I was that this was how they treated a loyal customer of several years over a disputed late fee that ANY OTHER credit card company would have over-turned.

The rep wanted me to wait until the final bill came in but I simply wanted it taken care of. After what I went through with this late fee even though I sent the payment in TWO WEEKS early and I think they're sticking it to me, I wanted to make SURE the payment was processed so I wanted a live person to do it and give me a confirmation number.

What did they do? they simply informed me that I would be charged an additional 14.99 for paying via phone with a customer service rep. I contacted the BBB. PLEASE do the same so they do get investigated and perhaps put on notice so they don't scam other people! aggrivation, I've had a migraine headache ever since dealing with these people, the late fee is going to tarnish my credit report.

Ivor of Porter, TX March 9, 2010

We paid off our two credit card accounts in full to a balance of zero. The accounts were closed with a representative on the phone. Letters were sent to us saying we paid the cards off. Then I got two letters saying that our account balance was lowered from 1250 and 1000 to 300 each. In addition, I was told that we still have to pay interest on a card we paid off on accounts that were closed.

Now I owe 25 on one and 20 on the other. So, What now I pay this too and I have to pay the interest on these to down? How will I be able to ever get a balance of zero? Sound unfair -- it is!

Andrea of Muskego, WI March 8, 2010

Just as an update to a complaint I recently added to this site about Chase Credit Card/Chase Bank. I just filed a report with the Better Business Bureau. After reading how many people are getting eronious late fee charges, and after my own experience...I smell something funny and I hope others complain to the BBB too.

Andrea of Muskego, WI March 8, 2010

I recently had an all out shouting match with various people at Chase Bank. My payment was due on Feb. 22nd 2010... I wrote the check out (and I have proof) On feb. 5th, and mailed it same day with 2 other checks. The 2 checks I mailed with it arrived and cleared my bank in 5 days.

Chase is trying to tell me they didn't get the check for over a MONTH. (Hun, if it's lost in the mail for more than a week, you'll never get it, it doesn't just randomly appear a month later.) I told them that was impossible and what must have happened is someone dropped it under their desk, found it a week later, and tried to stick it to me.

I told them to look back at my history. I've always been EARLY if not on time with my payments... I've always paid 100 to 200 OVER the minimum balance due... I've been a valued customer for YEARS. They basically told me it was my own fault for mailing it. I should have done it electronically via phone or email.

Well mail has worked for over 5 years before!! I told them it was impossible for a check to mysteriously appear a month after it was mailed, but they kept telling me over and over "Its done by machine the day it arrives. Its done by machine the day it arrives." So no human ever possesses the check? A machine goes to the PO Box, a machine opens the letter, a machine takes it to the bank? really?

I demanded proof that it arrived when it did. I have proof by the order of my checks and the other checks that cleared, that I wrote and mailed it on the 5th... I wanted evidence by way of the date stamp on the envelope I mailed it to prove it came in when it did. They told me the date is was processed is proof enough. There's something wrong with this whole situation, and I'm going to the better business bureau.

Kristin of Omaha, NE March 8, 2010

Wamu became Chase last year. Chase removed our overedraft protection without our permission. We were told that they had send out a letter in 10/09 informing about the changes with the overdraftprotection. We never received any letter from them and now being stuck with the remaining 194 of the total of 294 after we made a balancing error.

We also would like to have the charge of 60 for our safe deposit box reversed. We were granted a free safe deposit box by Stephanie A when we signed up for a new checking account. In the future and that she would reverse the fee if are still charged for it. She said that we do not need to put it in writing. I trusted her. Now she claims that she did not know anything about it.

Chase only was willing to reduce the total amount by 70, however we feel that they illegillay removed the the overdraft feature and that they must reverse the total fee of 294 and to reeinstate the overdraft protection which we had initially signed up for.

Allan of Ardmore, PA March 7, 2010

I've been with Chase ever since they bought out WAMU bank - Granted I have a balance I'm working on paying down, I accidentally made my monthly payment a day late which caused a late fee & over limit fee to be billed to my Chase Credit Card. Mind you I worked on paying the card down, but Chase billed 70.00 in fees to my account. I called Customer Service and got a representative on the phone (Dominique) who advised me that there is nothing that can be done and no matter who I speak with (this is after I asked for a Supervisor) the fee will not be able to be taken off. So I made a significant payment in which Chase got 70.00 of my money toward fees. Thank you Chase for being so understanding of the working adult.

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