Complain about a product or service

Chase Credit Cards

Gayle of Sunnyvale, CA November 23, 2009

I have three chase credit card, always have been in time with payments. I have one card with 0 balance for a year and received checks for this card with 0% or 1.99 apr. I declined all this offeres, but just last week decided to use trnsfer option to my other credit card (not Chase), next day Chase cut credit lines on all 3 Chase credit cards which made my balance trasnfer void and also - overlimit fee was charged as fiannacial interest was charged the same day. I really want to stay out of business with Chase!

Dawn of Franklin, NH November 23, 2009

I have had a credit card that was transferred from Washington Mutal, to Providian, and then Chase. Since the swap to Chase I have seen one increase on top of another in regards to my APR and additional fees. The few times I have called to discuss the information with a Chase representative there have been multiple periods of having to be on hold, needing to enter information by phone and then having to repeat the information to the rep over the phone. They have increasingly requested more and more additional information to verify the I am the card holder: card number, name, address, SSN, date of birth, and currently needing to provide them with a security word. When they were asked to explain why my APR was increased, despite making payments on time, I was told it was due to a "review of my account". The extra Finance Charge was due to carrying a balance on the card. Although I'm sure there was notice of the changes, it was buried within the notice sent to me with no real explanation of why it occurred. No attempt was made by the representatives to help me adjust my APR or fees. This is not a company that is interested in customer satisfaction.

larry of Henderson, NV November 23, 2009

I open a charge card witha 10,000 limit 5-13-08 account ending in #2200. My Finace accidently charge 200.oo over the limit so idmeditly called to repair the problem. Account Balance 10,200 Since that date I have never purchased one item on this card. I Paid 15500 to pay the account down below limit. I set up terms with 2% Interest and Paymnets I could afford 300.00 I have confermation of this transaction. I worl 7 twelve hour days and I had auto draft set up to take care of this credit card. MY finace recently took over the bill paying and found out that Chase card had not kept the deal they made. of 2% interest LLOP it was called. I disputed six months wort of payments as per the advice of Tiesha the so called acount Manager on Oct 7 2009.

On Oct.9 2009 Chase charge 1155. to my statement for fees putting the account 600.00 over the limit. NOW this is preculuar because after paying 7200.00 in cash for over 1.5 year with a 2% interest . How do I owe more than I ever chrged in the first place. The card now has a balance of 10,600. I have tried to rectifly this problem with Chase and Robert account Clerk said it cost 3,000 for the privledge of pocessinga Chase CArd and 4200 was for fee anf charges. I have highlighted all the payments made since comception of card via my checkingaccount. I have some months were CHASE took three payments in one month for 1480 but the Principal was only paid 63 for reduction of balance. If I pay on my card for 1.5 year and CHase only applies 63.00 a month to my priciple I can see why my Chase Card has never gone below 9600 Aprox.

rachael of warren, OH November 23, 2009

I have had a rewards card since 2000. My current card expires in 2011. Chase sent me a new card and it is a new plan called Chase Sapphire. I called to tell them I do not want another plan due to the new plan does not have monthly cash back. The rep told me that they already changed my card and they were cancelling my rewards card. I have never missed a payment in almost 10 years and do not feel I should have my rewards card taken away. After our conversation, I looked online for another csah back card and Case is still advertizing for enrollment in the rewards card program. I feel this is discrimination that I did not deserve.

Kim of San Diego, CA November 22, 2009

I opened Chase credit card back in 10/08. I have never ever been late on my credit card payments(excellent credit) and have been a Platinum Member since 1991. I started using the card in 6/09 and received the 1st statement in the mail which I paid immediately in full. I didn't receive 8/09-10/09 statement in the mail or notifying customer however noticed the balance shown up online at the bottom of screen with late fee of 39 appeared on 9/15 and 19 on 10/15+ 1.07 for finance charges.

I contacted customer service and they told nothing they can do about it. I then told customer service to closed the account and I paid off the balance in full and will deal with the late & finance charges later. The balance due was credited to the wrong checking account with belongs to my parents. I contacted customer service and told them the error. They immediately reversed the credit debt back to my credit card and charges another 78 late fee & returned payment fee (on the same day). Please be cautious with credit card.

Kendall of Scarborough, ME November 21, 2009

I just received my statement and I see a finance charge of 7.12. If [they] can explain this to me I will continue to use my Chase card; otherwise.... I feel that [they] have grabbed me and I dont like it.

Michael of San Antonio, TX November 21, 2009

2 1/2 years after closing my Chase Credit Card account to avoid a change in terms (interest rate increase) Chase decided to raise my rate by 50% without my knowledge. After calling them about it they said they notified me and I "chose" to not opt out of the change in terms. What a [lie].

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!

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