Complain about a product or service

Chase Credit Cards

Rick of Tempe, AZ July 29, 2010

DO NOT DO BUSINESS WITH CHASE CREDIT CARD SERVICES! I had two active Chase Credit card accounts - one product formerly owned by Wamu (loved them) and one that was always a Chase credit card. Although I experienced a similar issue as many with Chase - changing the APR via a letter in the mail with the only option to secure the existing fixed APR was to close the account - that's not what I'm writing about today.

My problem today is that I received an e-mail offer from Chase called "Chase Pay and Get" - an offer branded to be a Debt Reduction Offer from Chase. However, they would only extend the offer to my (former Wamu) low fixed APR account and NOT to my Chase high fixed APR account. When I asked the rep on the phone why they would not extend it, after 5 minutes on hold, he cited that I had a missed payment incident in 2006. Yes, 2006! It's been long enough for me to not remember why that incident even exists as I have kept my account in good standing since. I had no incidences on the account that did receive the offer.

Anyway, to me that seems backward. Chase doesn't want to help the consumer reduce debt at all - they just want to keep my high APR card with as much remaining balance on it as possible so they can shovel in the money. I would not and will not recommend anyone do business with Chase - especially the Credit department!

Catherine of Benicia, CA July 28, 2010

I had had a credit card with WAMU/Chase for several years. Throughout the whole time, I had made my payments and never was one of those "bad customers". Late last year my fiancee lost his job, and my hours were cut in half. I was stressed, and overlooked making a payment early like i usually did, and instead made it on-line the day it was due, but 2 hours late ( it was due 4pm eastern time, and I made it at 4 pm pacific). They then decided to raise my interest from hardly anything to 33%!!! I knew that I would not be able to make the full minimum payments, so I contacted their customer service. I informed them that I was currently unable to pay the full amount and asked if they could help. When they refused I decided that the least I could do was pay a partial payment.

After a few months I noticed that NONE of it was being applied to my balance. Instead i was being charged late fees, and non payment fees. When I contaced them again, they stated that since I didn't make full payments, that they couldn't apply the money to my balance, and still couldn't credit me back any of the money I gave them. Fed up, and unable to work anything out with them I decided that I wouldn't pay anything at all untill I could. After 8 months of non payments, my balance of 1500 went up to 3550!! Then it finally went into collections. Early this year I contacted the collection agency and tried to work a payment plan out with them, but they wanted more than I could afford. So, I decided that I would try to save up as much money as I could, or pay them fully off at the end of the year when I get my taxes. Unfortunatly they have decided that they will instead demand I pay 2800 in two days or I go to court to have my wages garnished by 25%! I understand that I owe them money, and I am totally willing to pay, but this just feels like legal loan sharking.

gregory of los gatos , CA July 27, 2010

My credit score was over 740 3 months ago. Since then chase has dropped my availible credit in half casuing me to be considered high risk even though i have never been late , missed a payment or any derogatory remarks. Ive recently found out my credit score is 659 due to this practice and unable to re finance a home / car or get good rates on a new loan.

Leslie of Costa Mesa, CA July 27, 2010

I had a credit card with WAMU for four years before Chase took over. My husband was unemployed for over a year and 2 of my other credit cards at two other banks were run up close to their limit. However, my Chase card and one from another bank never had more than 40% of the credit limit charged on them. My Chase card had a limit of 10,300. As of last month my balance was 3,492.00. This week I got a letter informing me that my credit limit was lowered to 4,200.00. Our family, my husband and our five children, have a total of nine accounts at Chase: 4 savings accounts and 5 checking accounts, several of them with substantial amounts as they are our children's college funds. When I called the Credit Dept. at Chase I was told by "Chris" that the reason for the lowering of my credit limit was based on the amount of debt I had on the two cards with other banks that were almost to their limit. The amount of money our family has in accounts at Chase, or the fact that I had a low balance on my Chase card, or the fact that I always paid on time had no effect. When Chris said that he couldn't do anything to help me, I told him that my husband and I will be closing all of our family's Chase accounts and moving them to another bank. He had no response. We will be closing all our Chase accounts within the next 30 days.

Roxana of Miami, FL July 26, 2010

On July 6, 2010 I paid off the balance shown in the Chase Website for my Credit Card. Total balance paid 1830.69. Today I received a bill from Chase for a Purchuase interest charge posted on July 20th (after payment was issued) for 22.97 dollars. They are stating the interest is posted on the 20th of each month so if i believe this charge from the 20th of June to the 6 of July when I paid in full this credit card there are 16 days and they charged 1.43 per day, which is not the amount but the outrage I feel for the charge and the continuous unfair practices of these credit cards issuers that continue to "rob" customers and place hidden charges at every chance they have. I have paid today this charge but I am absolutely outraged by the unfair practices that continue to be rampant by the banks that were helped to our Government bailouts because of their own irresponsible practices that wnet without penalty.

Bob of Jackson, TN July 26, 2010

I am just furious at the amount of service charges and interest that credit card companies can get away with charging. We are a family owned truck stop towing company and have been in business 60 years. I was off work during the week of July 4th and overlooked the due date of July 10, 2010 on credit card ending with 8281. When I returned to work on Monday the 12th I noticed that I was 2 days late paying.

I called to pay my balance by phone and spoke to Yolanda who is just a customer service rep and also very nice. I apologized for the late pay, ask if I could get the charges credited. She told me that not even a supervisor could wave them. I understood her to tell me that if I did pay that day there would not be any interest just the 39.00 service charge. When I received the next bill a few days ago there was an additional 16.29 charge for interest. This was just 2 days! what in the world would it be for 5 days?

I admit it was my fault to be late but at some point credit card companies have to look at the customer as we have been one for many years and pay our balance each time so they really do not make any additional money on us. After checking back I had a one time credit for being late in November of 2009 by one day. I also paid that day by phone.

Guess it does not matter if you are a good customer. I am aware that in our business also there are people that do not pay in a timely manner. Our company does not charge late fees or interest as even if we did they will not pay them, we have to delete them. Just wanted to let your office know as you are there for public support. Thank You.

yvonne of las vegas, NV July 24, 2010

i was checking my balance with this company to see how many payments i need to make before i had 0 balance. when i went on line there was an astrex saying that this account is closed. i called the company and they had told me that they felt in the best interest of their company that they would close the account and not renew me. i have been making payments on time and double what my min. payment was and they had told me that since i am closed they will continue to charge me interest until balance is paid. i still owe 800.00 and would like to know what i can do to either lower my interest or stop the interest all together so i may pay this off.

Richard of Altoona, WI July 23, 2010

Have very good credit. Score in the mid 700's. Chase is charging me 29.99 percent on my credit card. Called and spoke with Alma Daniels--recorded the entire conversation. She stated she did not know why the rates are so high but they have gone up for everyone. She also stated a lower rate was not possible as lower rates did not exist for anyone. She stated there was no one available to speak with me who could lower the rate. I explained that the fed is lending the bank money at less than 1 percent do, to charge me almost 30 percent was tantamount to borrowing from Tony Soprano in a back alley. Again, she stated lower rates did not exist. Then, I told here I had 4 letters in my hand from Chase that had been sent to my grown children offering new accounts with 0 percent interest. She then told me I would be placed on hold while she spoke with a manager. Instead, she disconnected me.

Laura of Lawton, MI July 23, 2010

After reading about the experiences from previous individuals I was ready for a less than positive experience. My assumption was wrong. Tanya was pleasant, knowledgeable, and very helpful. The end result was a win-win; I'm a satisfied customer and a positive story about Chase was shared. I hope this gets some press too!

Patrick of Youngstown, OH July 22, 2010

Two years ago, I began using a Chase credit card with a guaranteed rate of 8.9% on unpaid balance each month. 7 months ago, after I ran my card up to 15,000, Chase raised my interest rate up to 19.9% They tell me each month the minimum amount I have to pay, which I do, however, the monthly interest is almost as much as my monthly payment. At this rediculous interest rate they are now charging me, I will be indebted to Chase forever. Isn't what they did to me illegal? PLEASE HELP ME!

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