Complain about a product or service

Chase Credit Cards

Brian of Dallas, TX February 9, 2010

I had a Chase credit card with a 0 balance and recieved a finance charge of 13.81 I called and requested the charge be removed. They refused so in closed the acct. I called back 2 days later to reopen the acct and they informed me that they could not reopen the acct due to a 10yr old acct that once was past due but did reflect paid in full and a 9 balance.

I informed them that i currently have 2 current accts in very good standing for many years since the old acct and was issued after the old acct was paid and was told on numerous occasions that didnt matter as if my pay history for the past several years does not matter.

Virginia of Woodhaven, NY February 9, 2010

I have had a Chase credit card since 1990. I always made my payments and was never late. I had 80,000 travel miles. Today I get a letter stating that my account is closed effective immediatley because of SUFFICIENT CREDIT AVAILABLE WITH US and all of my miles are forfeited. Chase has scammed me out of all of my miles and a credit card that I have had for twenty years.

Is there anything I could do? I have called them and spoken to a representative and emailed them. They claim my miles are lost and for me to handle it. Chase is doing real shady business, what options do I have? I have no credit card, I lost 80,000 hard earned miles that I was going to use for a family vacation.

Gerhard of Santa Barbarfa, CA February 8, 2010

I have had a Chase Credit card and quit this service a long time ago. I keep getting mail which makes me believe that Chase still carries me as a credit card customer. I have tried to make sure that I am no longer considered their customer and called various service numbers. They are all automated and ask me for the number on my credit card, a card I no longer have. There must be a way to contact Chase and speak to a PERSON to clarify my credit card situtation. What is the way? Thank you.

Adam of Salina, KS February 8, 2010

This happened twice to my wife's Chase card. Paid the balance in full, they prorated the interest for that month, added to the balance owed, and never told us. We assumed the balance was paid in full and never got a statement otherwise and they ended up reported my wife both times to the Credit Bureau as being 30 days late for 7 the first time and 4.60 the second time. I will never have a Chase card again.

Melissa of San Francisco, CA February 8, 2010

I have had a one-year 0% APR credit card with Chase since October 2009. In addition to this credit card, I also have another one that they acquired when they merged with WAMU, which I have had for 3 years. I have impeccable payment history with the credit card from WAMU. With the new card, I missed one payment because I thought the bill that came was for the other card because they are both from Chase.

I called Chase as soon as I realized I had made a mistake and paid the required payment and asked for a credit for the late fee charge, which they nicely and easily gave. A week ago, I got a letter from them saying that because I made a late payment, the APR would increase to 15.99% on April 1st, 2010. The letter also said that I could "Reject the change in terms by notifying us [Chase] prior to the effective date of change. If you [I] choose this option, your[my] account will be closed and you must pay all outstanding balances on your account according to your current terms." According to this statement, I could keep the 0% APR terms until October 24, 2010 and just not be able to use the card again, only pay off the balance. I chose this option, to close the account and pay it off.

When I called to set this up. I was told by a representative that they changed their mind. How can they change their mind when they just wrote it to me and I have it in writing. Chase also says they look at customers credit history when they make these kinds of decisions, and if my history shows no prior problems, then why am I being penalized for my first and only mistake? I want them to follow their word that they gave me on the letter and close the account and let me pay it off according to the current terms.

If Chase changes my APR on April 1st, I will have to incur interest charges on the card because I will not be able to pay it off by then. I feel like Chase is taking advantage of me as a customer and just trying to make money off of me. I have never had a problem like this with other credit cards and Chase customer service was not understanding and would not let me talk to a supervisor. I just want to pay off my balance in the existing terms. I feel that I have earned this right because I have not had these types of problems in the past.

Holly of Gilford, NH February 7, 2010

called in on credit card due date, Sunday Dec 6, 2009 and paid the 14.95 fee to make it over the phone with a representative to make sure it was on time. Normally I make on internet. The person said it would be processed that day. Now I have a late fee that was processed of 39 and now my percentage rate is going up to 24%. I called today 2/7/10 to tell them the situation and the representative said she couldn't help me that it was my fault. I asked to speak to a manager and she stated she was a supervisor. Sure!

Joseph of Grand Island , FL February 6, 2010

I have tried to cancel this card! On two different occasions Chase has billed me for services I did not wish to receive; the lastest was from Norton a computer software company. Apparently there was an auto renew request that I had forgotten about and any notice that it was about to happen. if one was sent, I did not receive since I was away from my home for over six weeks.

I have paid the bill for a service I don't want and will not use. but I will not pay any late or finance fees for this billing. AND I WANT THE ACCOUNT CLOSED. I have also been informed on 2/5/10 that another Credit card # of mine was attempted to be used in the United Kingdom so I will be cancelling all my credit card.

LUC of SANTA ANA, CA February 6, 2010

Sometime ago I had a 247.89 onlne purchase with Sony Inc. using CHASE CREDIT CARD. I made the payment online in time. Several days later, however, I received a postcard reading that the payment was returned unpaid. I immediately submitted another online payment with the same bank and the same information as previously provided. This time the 247.89 was accepted. This might be a treacherous strategy on the part of this money predator to trap its victims through late fees.

Indeed, I was subjected to a 29 late fee. I then sent a letter to chase Customer service and request cancellation of that late fee. A guy named Anjali Kumaran rejected my request. This time CHASE CREDIT CARD increased the late to 45.50. I suspect cheating involved.

Linda of Bryan, OH February 6, 2010

First they raised my monthly payment from 358 in July to 950 in August (from 2% to 5% just like they did to 850,000 others). Unfortunately it was right at the time when I was having physical problems and not able to work much. The payment they demanded was higher than my monthly income. They told me it was "not negotiable" every time I called. They did not offer to lower it if I let them raise the interest or offer any type of hardship plan like they did with some people.

The last arrogant CS I talked to told me it was not negotiable and gave me the number for the national credit counseling service, said there was no hardship program. I made the payment in August, then ran out of money and could not make the September payment because the higher payment made me short on everything else and I now had no in reserve. I did not make the September payment,etc. I have to admit that the people from Chase who called were nice.

However, I did not "qualify" for the 5 year "hardship" plan because my income was too low. 4 months have gone by now and they turned me over to ICS which still supposedly is at Chase. The idiot who called today told me I should get a loan from a family member or the church or else sell my stuff to a pawn shop. He demanded a monthly payment of 906 (still the triple payment, which is what caused the problem in the first place). I told him I did not even have enough to pay rent or utilities and there is no way I can come up with that and they already know the situation and I don't know why they sent me to him. He said he was going to mark it as a "refusal to pay", said the collection calls would continue and hung up on me.

Joseph of Johnstown, OH February 6, 2010

In May of 2009 I paid my account off my Chase credit card and had a zero balance. I took advantage of a balance transfer with no fees and a fixed rate of 4.99 % for the life of the transfer. The balance transfer was applied to my Chase credit card on May 26 but my billing cycle ends on the 27th of every month, so even though the balance transfer check did not post until the 26th and the check to pay off my account posted on the 18 of May it was within the same billing cycle so they considered me to be "over my limit". Had the balance transfer posted on the next day I would have been ok.

Chase also assesed a late fee to my account because my June payment was posted on June 1 instead of June 3 or after. Because of the billing cycle and in the way my payments and balance transfer posted to my account I was denied the promotional rate of 4.99% and was never notified and did not realize this until this month. Now my APR has been raised to an unjust rate of 29.9%. I am essentially being penalized because I used the promotional balance transfer the wrong time during the billing cycle and because I sent in my June payment too early.

I have tried to work with "account supervisors" to reconsider this rate. I am not even asking for them to make it retro-active, I am just asking from this date forward to consider reducing the APR to a reasonable rate. I have never been late on a payment and would never think that sending a payment in early would be used against you. Anyone with common sense can look at the activity of my account and determine what happened. It seems to me that Chase is willing to work with consumers that default for one reason or another, but refuse to work with consumers that take their financial resposibilities seriously.

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Follow us on Twitter.