Chase Credit Cards

I put my card number on a website to buy a product for $39.00. I clicked one button, and the price jumped up to $135. I immediately closed the website. I immediately called the credit card company, as they may try to charge on my card. The lady said there was nothing they could do, until it posts. I tried to call the company, and all I got was a recording that day. I got charged on my card. I found out later from the dispute department that they could put a block on the card, or cancel the number. It is a long story.

Over the past 10 years, one by one, the banks I had credit cards issued from were taken over by Chase. Then Chase would reduce my credit limit which would increase my debt ratio which in turn reduced my credit score, which resulted in not only Chase but other banks increasing the rate on my cards. When I tried to explain to their customer service reps how debt ratio affects a credit score, they acted like I was speaking a foreign language. Makes me wonder what you are required to know to work for them. Things that make you go, hmm. By the way, I pay all my credit card bills on time every month.

I'm a long time customer myself, my husband with three dental practices, and my mother has accounts that I am POA and in a legal will and document that has been for many years. On January 2, 2012 my mother had a slight stroke at 82 years old; she lives in VA near my daughter whom is authorized on all of our banking accounts. My mother per her attorney added me on for legal reasons to her credit card due to better tracking of financial for her. Over the past ten days, I have lived thru hell with your company. All of my mother's bills come to me in Illinois as I am in charge of her finances. When I went to purchase her RX the card was declined. I called and started the roller coaster events. I am ill and sick over Chase's operations. So, on this day that the bright and shining star of a supervisor Rebbecca put a close on my mother's account I hung up on her because when she asked to speak with her, I put her on and she not only insulted this 82-year old woman and said, "You are not the customer Mrs. Pape", but she also advised me that my mother never lived in Parma Ohio, which If they would look on her credit card that for 30 some years.

Yes, they did: she advised me that my mother lived in Illinois. Haha. The address on her account, email and phone is mine. Does she know the difference of billing and mailing address? So I spoke with Kelly **, supervisor in Orlando, Florida, Dawn **, Bernadette, her manager Barbara ** whom never called me back, Niki **, and oh, yes, your operations manager, Joseph **; Jeff **, Jamie **, Debbie ** and so on that was to get this fixed. So they were so kind to FedEx today, 1-27-12, a card that was to be for my mother and I. Guess what: the card was only for me. So I called one of these monkeys and they told me the card was activated and good to go! Haha. I went to get my mother's groceries and guess what? Declined! And they are going to FedEx my mother's card tomorrow!

So I called and spoke with Brett tonight at the office in Elgin, IL on Randall Road. He called me back to tell me that he and supervisor Rebecca who insulted my mother found out the issue! Yes, some pee on at Chase knows more than the operations manager and understands legal. He and Rebeca closed out the new accounts and said he did not understand why Mr. Joseph ** did not know the legal grounds of me being POA; I could not be a user on the account! Yes! He is going to educate your operations manager about legal issues. So now my mother's account is not accessible for me to pay on line. Go ahead. I dare them to send her to collection. And I still have to pay on my Chase credit account all of her bills until I spoke with these monkeys Brett and Rebecca and understand that these people know the legal issues of this whole thing.

Also, my mother has an auto debit from GE Service for her electronics and TV and when they try and hit her account that was closed the contract will become voided. Again, you will have to pick up that tab, too. I now have almost $5000.00 that Chase can happily write off my credit card for my pain suffering and embarrassment along with my mother being upset. If I would have spoke to Brett to begin with he would have told me that his upper management people did not know what they were talking about. In fact he is going to call Joseph ** on Monday to let him know. So I have written a letter to the BBB, the state's attorney office, NBC, CBS and ABC in Virginia and Chicago to see if these nice people would help me.

C. Some idiot telling me telling me how sorry they are.

PS: When they send my mother to collection and they send the letters and calls to my addressyes, that will also be in my suit.

I received info for 0% interest on balance transfers and purchases for 15 months. I signed up and understood their would be a $5 charge or 3% fee on balance transfers. I paid $120! We have excellent credit, always have. Never late on even one payment in our life! They only gave us $5000 credit. Our income is mid 100K's. I called in five months to check on promotional date only because we thought we had at least another year. Not only did we not have a year but they only gave us "standard" pricing which was six months plus an APR after that of 21.99%! Chase credit card is nothing but a scam! They sell you one thing and then scam you after they have their initial money! No way in hell would I have paid $120 for six months!

I called and spoke with a supervisor and they could care less and just said because of our credit Our credit is literally 780-810! I asked what does it take to get "elite" pricing and the supervisor said he did not know! I understand the credit cards are losing money on others but their tactics are nothing but a scam! I will never ever open any kind of account with Chase and will post their scam tactics everywhere I can!

I had a very high limit credit card that was used for an expensive business purchase. The interest rate was raised and the interest accrual monthly was as high as a payment on another account. I decided to try to consolidate debt to assist with financial struggles. I had discussion with Chase about settling debt, but did not want to lose the account so I did not. I worked very hard to manage money to pay the account balance off in full. Today, they called me to let me know I was no longer a valued client and my credit limit was lowered to almost closed.

My husband and I had Washington Mutual credit card. The credit limit was 700 dollars and since he was on top of his payments, they kept raising the limit and since he didn't use it and shortly after Washington Mutual became a Chase credit card, therefore our card was cancelled. My husband and I work very hard to try and support 2 kids, make sure all our bills are paid and make sure there is enough food on the table to feed the kids.

Today I got a letter saying I am going to be getting sued because they want the minutes balance of 800 dollars when our account is only over 100 dollars. By all means, you pieces of shit take that money and put it where the sun doesn't shine. I understand your position as a company but I could see if I wasn't sending you guys anything. We are sending you money and that should count for something. I have the intention of paying this credit card off in February, never hearing from you ** again!

They give constant phone calls but no messages are left. They even called on Christmas Eve. I can't believe you heartless **** called on Christmas eve. It's not bad enough that I have to file for bankruptcy in January but Chase never stops harassing me. If you think this will get me to call you, it only makes me angrier and I will not call you back. If you were human beings, maybe I would but after the hell I've been through for the last 2 years with no one willing to help me, actually, they have the nerve to call me on Christmas Eve. Merry Christmas and go to ****. Thanks for the understanding on my hardship.

Chase Card Services sent me a typed credit card offer promoting a 0% interest introductory APR on purchases and balance transfers until March 1, 2012. The offer was good until January 3, 2011. I opened an account on November 24, 2010. On December 2, 2010, I received my credit cards. On December 11, 2010, I received a letter stating that my introductory APR of 0% on purchases, balance transfers and balance transfer checks was good until December 23, 2011. I called Chase customer service and explained that the initial credit card introductory rate offered to me was valid until March 1, 2012 not December 23, 2011. Chase had no records of my claim so I faxed them a copy of the promotion clearly indicating the promised date.

On January 2, 2011, I received a letter from Chase stating that they had reviewed my claim and were unable to change the promotional date based on the information that I provided. Not satisfied with their decision, I made a note to pay off and cancel the credit card as soon as the promotional period expires (December 23). I just (12/21) called Chase to confirm my payoff balance and stated my introductory 0% APR end date. The customer service rep told me that his notes have my 0% introductory period ending on 12/2/2011. I told him there must be an error on their part because I have a letter stating December 23, 2011 as my end date. He asked me to fax the letter to him. Feeling that this must be a mistake, I called a second time. I once again received the same excuse.

Feeling very indignant, I have decided to make public the fraudulent practice by Chase Credit Card Services. I will follow through with faxing a copy of the letter and guarantee that I won't pay a dime if they attempt to charge me any interest. Most importantly, I wonder how many Chase costumers that don't keep proper records were deceived and asked to pay fraudulent interest fees. Please help restore honest business practices.

I was paying off a Sears card account that I owed about $500. I sent them $520, the extra $20 for their miscellaneous interest charges. A few weeks later, I received the Sears card statement, thinking they should owe me about $19; I never opened it. A month later, I received another Sears statement and I opened it and to my surprise my payoff payment was a day late so I was charged a $35 late fee. So the extra $20.00 was deducted from a late fee of $35.00 and I was billed $15. But since I never opened the first statement, the second statement said I now owe another late fee of $35 plus the $15 for a total of $50. So I send them another $50 plus $5 (misc interest again).

Guess what, they said that was late and charged me another $35 late fee, saying I owed $30 now! So this time I make sure I'm not late and I call them and pay the $30 over the phone using the automated payment system, thinking it is finally over and they got an extra $100 of mine for fees on a paid off account. I received another statement and it shows the pay-by-phone payment and then for some ***, it shows a payment returned and a reversal of $30? Then, since I was now late on the $30, they charged me another $35 for a new total of $65!

Although the account would be in her name, the purchases and payments I made on the card would contribute to my credit score.

We were told that we would receive a note confirming that I was an authorized user after paperwork was sent on October 22 by the personal banker. My mom and I received our cards but nothing else. I couldn't associate the card with my other online accounts, and I could only pay my bill over the phone. I decided to call Chase for an explanation of why I hadn't received the paperwork. I called Chase and requested to speak to the same personal banker who had mailed out our materials on October 22. I tried to refresh her memory and she kept asking me questions that had already been clarified previously.

Finally she pulled up enough information to remember opening the joint card for my mom and I. She connected me to the "credit cards department." I was on hold for about 15 minutes. She then said I was not approved as an authorized user and that I would not be able to build credit. I asked if there was any point in having the card, and she said yes, I could make purchases with it. I reminded her that the whole reason I went through the process was that I had been told I would be able to use the card to establish credit. She said as a "courtesy" that she would send me information on why I was rejected.

My mom canceled the account the next day and they apparently told her that I was rejected because I was not deemed responsible enough to pay a $5,000 fee if need be. She replied that it was insulting because of the size of the inheritance I have. It could easily cover $5,000 and thousands more. I'm taking all of my accounts out on Saturday. Chase led me on and has now lost me as a customer.

I was shocked when I opened my credit card statement last month. I have had the worst experience with Chase. I have had this card for seven years. Started out with WAMU then went to Providan now is Chase. My interest rate was hiked to 29.99 percent and I never have been late or missed any payment. For 7 years I had been a good customer. I called to see why they have done that and jumped my payment and I got no real answer. The lady was very rude and they closed my account after I complaint. I have worked hard on my credit and think it is wrong to treat people who pay their bills on time this way and then close the account because I complained to them about their treatment. How can they get away with this?

Chase took over my Circuit City credit card that I had a three year no interest deal on. Once Chase took over the card, I set up the account to do auto pay as I had with Circuit City. On 11/13/11, Chase charged me a $1500 interest fee for my items not being paid off in three years, which with the monthly amount that was to be paid should not have been an issue. After reviewing all of my online billing statements, it came to my attention and I should have discovered this earlier, that Chase slowly began reducing my minimum monthly payments beginning in January 2009, two months after they took over my account. I believe this was intentional in an effort to keep my purchase from being paid off in the three years so that they could charge me with the interest from the point of purchase. I have spoken to others online and it appears I am not the only consumer that Chase has done this to. I believe this to be an unethical practice by Chase and as far as I am concerned illegal!

I have no issues with paying them what I owe them but as the result of them lowering my monthly payments every month the purchase was not paid off in time so I am now looking at a $3200 credit card bill along with the over the limit fees I am sure they will access. Note that I have another credit card with them and have been paying the same monthly minimum amount on $600 as I have been on over $2000. How does that make any sense? I feel Chase should be held accountable for these actions and rectify the issue. I have not contacted my attorney yet as I have been trying to negotiate with Chase however they are less then cooperative. Last conversation was I would have to pay them a minimum of $1000 or be assessed a late fee for every month I do not pay it. My husband also has a credit card with Chase as the result of the Circuit City card and in reviewing his, they have also done the same to his account.

Chase Bank is a criminal organization as far as we are concerned. And they are not interested in making money, either. We had a card with WaMu. Chase took it over and soon jacked up the rates several times. We called over and over to no avail and were lied to. They justified the ridiculous 30%+ rates by stating that we had been late on a payment which is not true and they would not verify. We know this because we ran our own credit reports. They would say that we had been "late in the past" which again, they refused to document or prove. There is an excellent class action lawsuit here waiting to happen.

Chase may have been looking at/considering other credit activity, but we had no incident that would push us into that percentage (and we believe that increasing our rate because of non-related issues to be unacceptable). No way. And they kept insisting that it was "long ago". To which I replied, "then why did you only increase the rates now?"

Also, the credit card companies consider that you are "late" if you don't pay by their "due dates" which can be an arbitrary day, as often transactions process at different speeds, online payments/phone payments can't always be made as systems go down, and there are inaccuracies. In fact, due dates get changed, and holidays or weekends can affect payments. Not to mention the mail. Well, technically, you are not late until you miss a month's payments, a full month. But the credit card companies chip away at everything to screw you over. They don't seem to care if you ever leave permanently.

We called recently and were told that there is no way they can reduce our rates, and that they "review rates every 6 months." That is **. I know this because over the last 5 years, our credit rating has gone from stellar to not the best, a few times. And we've paid off several cards now and again. Never has a percentage of a percentage point been lowered. They are lying.

Finally, even though we currently hold a large balance and pay an exorbitant rate, we have paid on time consistently. In effect, we are the credit card company's ideal customer. However, when letting them know that we will transfer our balance unless they reduce our rate, the customer service rep all but said "See ya!". Does that make any sense?

On a side note, we had a successful shortsale last year of our house. Rather than go into foreclosure, we prepared our home for sale and kept it in top condition. Without defaulting on the loan, the bank would not concede to a shortsale. Catch-22, yes?

So, by doing the "right thing" and handing back the collateral on our secured loan (for which the bank had insurance, too) our credit has been dinged. Because of this, we ended up using our credit cards more than we would have liked. Regardless, we continue to pay on time. The rates on our card at Chase has stayed the same when we had no balance and an incredibly high FICO score, as well as when we've had a dip due to the shortsale. It never changed.

Do not do business with Chase, ever. They bait and switch their customers. It's one thing to ** up and have to pay the consequences; it's quite another to go into an agreement and assume things will only change if you don't hold up your end of the bargain. We have more than held up our end of the bargain with Chase. I can't wait to get them out of my life for good.

My original rate was 12%. Although they claim I paid late, I never paid them late! Due to them charging 28% interest now, the card went over its limit a few times. Still, I paid them on time including that outrageous rate of 28%.

They are crooks, thieves and predators in every sense of the word. I hate them like you can't imagine!

I had a Chase credit card for over 15 years. I was consistently paying down my balance but every time I would make a payment, Chase reduced my credit line to the exact amount of the remaining balance. Finally, I decided to pay off the entire balance. As soon as I did, Chase cancelled my account. I have another Chase credit card that also had a zero balance, but I noticed that they increased this card's interest rate to 30% for no reason with no warning. I don't understand why you would increase interest rates on a card with no balance. I have spoken with Chase representatives on the phone and in the branches to inquire about why the increase occurred and no one has been able to give me an explanation.

Years ago, I had a credit card that was charged off from Chase Bank. In 2009, my balance was over a thousand dollars, and it was "settled" for $740 through a settlement company I worked with called Credit Solutions. This summer, Chase sent me letters stating I still owed them over a thousand dollars and keeps calling me. I called Credit Solutions to confirm the settlement. They checked their records and it was confirmed that my account with Chase Bank was "settled" for $740 in 2009. Once the account was settled, I heard nothing from Chase Bank until this summer.

First, if I still owed a balance, why did it take 2 yrs. before Chase contacted me? Second, the account was already settled for a lesser amount that was agreed upon between Chase Bank and Credit Solutions. Now I keep getting phone calls from Chase Bank asking me to call them. The account was settled. Therefore, I owe them nothing and I refuse to pay them any more on the account. Credit Solutions has the settlement on their files. Chase is definitely trying to rip me off and get more money out of me when I owe them nothing.

I was a deployed soldier for over 9 years and I found out the Servicemen's Civil Relief Act (SCRA) would reduce my already low APR of 7.99 down to 6% with Chase while I was overseas. So I contacted Chase and they made it happen for over 4 years. Well, I retired recently and Chase sent me a letter stating my SCRA was over and by December 29, 2011, my new APR would be 27.24 %. What the? I have been a loyal customer for many years. Previously had a 7.99% APR. I have very good credit (good enough to just receive a $650K mortgage at 3.75% APR) and never been late on any payment. This is ridiculous. So I called Chase. The customer service rep verified the new rate and couldn't change it. So asked for the supervisor, who told me they usually go back to the rate that I previously had before SCRA. So she had to search back over 4 years and found the previous rate was in fact 7.99. She had no explanation for her previous statement and could do nothing. So I hung up and will have to get another cc with a new credit union to transfer the balance and never use Chase again.

There has to be some law or rule against this practice. All military members need to be warned about this when using SCRA with Chase. The word needs to get out. It's like I am being extremely penalized for daring to invoke the SCRA clause. How dare I "cheat" Chase out of a few dollars per month, even though they were still getting revenue from me every month by holding a balance! This madness has to stop. All military members be forwarded, transfer your balance out of Chase before it's too late.

This is serious!

I have two Chase credit cards, for which I have paid for credit protection for years! One of the credit cards was originally a WaMu card that I had purchased credit protection for back in approximately 2009. I still have the brochure where I purchased Credit Protection from WaMu. It states : Permanent Disability : The debt cancellation benefit can be activated in the event of injury or illness resulting in the primary card holder's "permanent disability". (1) If you notify us and return a completed and signed activity request form to us within six months from the time of your permanent disability determination. (2) You are a Credit Protection member at the time of the injury or onset of the illness that resulted in your permanent disability and at the time of your permanent disability determination; and (3) you meet the written proof requirements.

This is the reason I purchased this from WaMu -- debt cancellation! Enter Chase who purchases WaMu and they send out an addendum that never mentions permanent disability. Because it is an addendum, I believe it is still as it was with WaMu because addendum are simply additions.

I had a credit card with Chase after the former credit card issuer sold off my card to them. They decided to reduce my credit limit to $8,00 from $10,000, for no reason and without notice. I was never late with a payment and my credit rating is 850! I went to use the card and the card was rejected. When I found out why from them, I asked them for a reason why my credit limit was reduced and they could not give me a good reason. I did not owe very much on the card, so I closed the account and payed it in full. A month later I received a bill for a small amount that I owed, from what? I have no idea but I just paid it to get them off my back. These guys are scam artists. Do not do business with these guys, they will rip you off.

I was a former customer of Washington Mutual credit card. I was in good standing and always made more than the minimum payment. WaMu handed their customers over to Chase and the troubles began. During my time with Wamu, I made one late payment when my child was diagnosed with a serious disorder and our lives were turned upside down. One late payment turned into a default APR of 29.94%. I was not happy, but knew that WaMu would revert this after I exhibited a good record of on-time payments after 1 year.

But before that time period was over, I became an unsuspecting customer of Chase, having no idea that any previous agreement with WaMu would not be honored. I've had that default APR of almost 30% for several years and this is ridiculous. Chase makes up story after story about why they won't lower it. It's sad that Americans are starving and trying to pay our bills, trying to be on time, trying to preserve our good standing, but these money hungry carnivores are not willing to give anyone a break based on any circumstance.

Parents, teach your children to save money in a jar and never ever ever apply for a credit card. Let's move this country to the simplicity of the Amish or Mennonites who build their own empires based on honesty and integrity. If you can't pay for it in cash, don't buy it. Teach your children to save and when the new generation of teens become adults and don't apply for credit cards, the impact will be massive on these vultures who host massively extravagant parties and make fun of "low life" people like the average blue collar worker who doesn't have what they have. We don't have what they have because we don't rip off our friends. I know the credit card business is just that, a business, so all we can really do is teach our children to avoid and eliminate these terrible monsters from our wallets and eradicate the credit card companies from our lives.

Chase doesn't care if you are hungry or dying. They don't care if your entire credit card is filled with food purchases to keep your family from starving. They don't care. Don't let them do this to your family or your children's families one day. Say no to credit cards. Teach your children how to save and how to avoid charging anything!

I had an authorized user with Chase Visa with credit card protection. The user ran up my card to the max and there wasn't any notification until I received my statement. I instructed Chase that this user is no longer authorized. They told me for 3 months that "the notation has been made to your account", but they let the transactions take place. After the 4th month of repeatedly calling, they said "you have to close the account" which I asked why I wasn't told this in the beginning as I am the primary card holder.

I closed the account and had been issued a new account number, but they allowed more transactions by this unauthorized user. I had never given this person the number. They kept applying over the limit fees and they also said that these charges were because they were "existing memberships". Since when is Stop & Shop and a bakery "memberships"? I have explained to them that I have had a loss in income and have asked them to reevaluate my account because I could not make the minimum payment of $163.00. They transferred me to "Money Management". I don't know if they are an extension or affiliated in any way, but they told me "sell your house and your vehicle".

Also with Chase, but their Mastercard, I called because I wanted to make sure that I don't get charge a yearly fee. I was then informed that there was a transaction made 3 days prior to my phone call. The card had not been used in a year and a half and was expired. I had not called to reactivate it because I will never do any business whatsoever with them. When I questioned this charge of $29.95, they said "we were going to call you", which I then asked if the charge took place 3 days ago when you were "going to call". I am literally losing my house due to trying to keep up with this debt that is not even mine. I tried to help a friend and got screwed by them and the credit card companies. I hate Chase. They are the scum of the earth!

I received a Chase credit card back in 2006 with a balance of $500.00. Due to I lost my job, I was unable to pay the bills. So, with the interest that they charged me, my total bill was $2300 from a $500 credit card, when my $300 credit card from Capital One was only $900. After Chase has garnished all their money from me, I now have a $528 bill from the law firm they used for court cost and interest.

Wow, I am amazed at this. Chase is fraudulent; they target minorities, and then rip them off in the end. I will advise anyone not to use Chase as a credit card company, as a mortgage lender, or as my personal bank. Chase Bank needs to be stopped because they are targeting the poor in this country to get rich off them with these high interest rates and unethical practices.

I applied for Chase's Freedom Platinum Credit Card with an offer of $200 rebate after your first purchase. I feel the entire program was a scam. I have my current mortgage with this ridiculous company and have a flawless credit report. I had no negative history, all accounts paid as agreed. There was absolutely no reason why I should not have been approved for this account other than I don't think Chase wanted to honor their offer any longer.

The account was closed roughly 1.5 - 2 years ago. I paid in full in February 2011 and I received a statement late September 2011 stating a balance remaining worth $2.82. I phoned Chase and was told that the reason for the remaining balance was they continued to charge some kind of interest and payment protection. Chase cancelled the "interest" but I would receive a letter with instructions to cancel the payment protections, since I never requested this plan to be cancelled. My response was the account had been closed by me, why would I need to cancel anything? I got nowhere. Currently, I am waiting for "my letter of instructions." By the way, the payment protection being billed is equivalent to $0.14!

This is really strange. I had a credit card originally issued by Amaco back in 1963. I used very little and finally closed out my account and trashed the card. Over 40 years later, I received a statement from Chase Bank asking for $53 in fees plus a $16 charge on the account. I never had a Chase bank credit card and am not aware of any account at Chase Bank.

Over three years ago, Chase has increased my credit card rate from a fixed rate of 4.9% to 18.9%. They are saying that my payment was one day late. I called to complain. I basically received a reply stating, "Well, you can close your account down." I have been with them since 2000. I keep asking them every 6 months to give me a break and drop my interest rate. I spoke to managers and everyone that they transferred me to. Today, I received some bonus checks in the mail from Chase, giving me a 1.9 % interest rate on any "transfer balances". This is insane. How can they get away with this? They think I am stupid enough to fall for their scam, so that they can hold my payment and then jack up my rate to over 20% this time. They really need to be stopped.

I am stuck paying 18.9% interest until it is paid off. I cannot close it because it will drop my credit rating and I plan on buying a house one day, if I ever pay off this credit card. It isn't fair that they have such a strangle hold on me and are willing to give a lower rate only if I transfer the balances of other credit cards. My point is that if they are willing to give me a 1.9% transfer rate, why can't they drop my rate at all? Why should I have to pay 18.9% when I don't even believe I was one day late? For all I know they held my payment up just so they could jack up my interest rate.

Never ever get a Chase credit card. I was a card holder of 15 years. They decided to start charging my a yearly fee. I instantly cancelled the card. They tried to collect on their made up fee, then charged me a late fee with interest. So after closing my account, I paid an additional $40. The amount is small but incredibly aggravating. That should be embarrassing for them. I will never hold another Chase card ever!

I received a statement in the mail with a $476.31 balance on it from Amazon.com, Chase credit card. I have never used this charge card, as a matter of fact, I don't even remember having this card. The charges were from Fragrancenet.com for $215.55 and $290.76. Well, I have never or will never spend that kind of money on fragrance nor have I ever shopped at that site. I called immediately upon receiving this statement and demanded they remove these charges. They were just so calm and agreed to take off the charges and send me a new card, which I declined. I requested they send me a letter of intent immediately or I would contact an attorney. I have not received the letter and it has been approximately 2 weeks. I have excellent credit and I'm very frustrated over this whole matter. I really would like to press charges.

I applied for a credit card promotion at 0%, interest for 12months. I was approved and received the card. I made a balance transfer of around $4,000 to this card. 4 months later, I 'm getting these "balance transfer interest charges" of around $45-$50 a month. I called to complain and explain that I have already paid the balance transfer fee, which was around $165.

The explanation the senior service specialist I talked to gave me, was that I was informed in writing when I received my card that they were only giving me 4 months of 0% interest. I don't remember seeing this notice when I got my card. They have never sent another notice since she says. I have had several 0% interest cards and have never had this happen. They would not refund the charges. I have asked them to resend the original notice informing me of the promotional change in conditions to the card. This seems very slimy to me.

On September 7th, the Chase alerts that I have set up on my cellular phone alerted me of two purchases made at US Cellular. One purchase was for $124.99 and another for $499.99. Since I do not have service with US Cellular and my debit card was in my possession, I immediately contacted Chase Bank, via phone, to notify them of the charges. I spoke with a representative who told me that they would cancel my debit card, send me a new one in 5-7 days and investigate the charges from US Cellular; but at that time, my money would not be refunded.

Not satisfied with his response, I went to a local branch across the street from my job. I proceeded in telling them what happened and was also told that my money could be refunded to me on that same day. The banker at the local branch called someone and explained what happened. I asked to speak with this person and explained to them that it was not acceptable for me to have to wait 5-7 business days for a new debit card when my information was stolen.

I was told, "Well, Chase only overnight cards in an emergency situation." I asked him, "What do you think this is? How am I supposed to conduct any financial business for the next 5-7 days while I wait for a new debit card?" He then told me that he would overnight the new card but I'd have to wait until the charges from US Cellular were posted before Chase could offer me a memo credit of the $624.98.

The banker at the local branch and I proceeded to contact US Cellular who informed me that they would start an investigation, but really couldn't do anything until Chase initiated the action of disputing the charges. On September 8th, I returned to the local branch and spoke with the branch manager. She also called someone and was told that Chase would not reverse the charges to my account. So, I was still not able to get my money back for the charges that I did not make. She was, however, told that if the charges were still showing pending on the next day, I should call, ask for a supervisor and request a memo credit for the US Cellular purchases.

On September 9th, the charges from US Cellular were still showing so I called a supervisor and asked for a memo credit to be issued. This person was beyond rude and unprofessional. She told me that the branch manager lied and she was not issuing a memo credit. I called back and was told again that I would not be able to get my money back.

Finally, I spoke to a supervisor who said that she would issue the memo credit, but it would only last until midnight. What it meant was unclear to me so I went to the local branch to speak with the banker and the branch manager that had previously attempted to assist me. I was told that the memo credit would, in fact, drop off at midnight. The branch manager proceeded in telling the banker to remove the funds from my checking account and put it in my savings account so that I could have access to my money. She also told her to remove the overdraft protection so that Chase would not pull the money from my savings if the US Cellular charges got posted. The branch manager also said that she would call the "back office" to further inquire about the US Cellular charges since they were still showing as pending.

On September 10th, I received an alert from Chase that my account was overdrawn. I immediately checked my account and the US Cellular charges had been posted to my account. Chase also took the money from my savings account to pay that amount. I immediately called Chase, proceeded in telling the same story and was told that a memo credit would be issued on the next business day. I told the representative that I'd been inconvenienced by Chase since Wednesday and would not wait until Monday to receive a memo credit when I had things to do over the weekend and wanted my money. I was placed on hold for a long time and was then told that a supervisor would issue the memo credit today and I should see it in my account within an hour. It will drop off in 24 hours.

Chase has been ridiculous throughout this entire process. Since Wednesday, I have consistently been told that Chase would not give me back my money until the charges from US Cellular were posted. I do not feel, as a customer of Chase, that they were looking out for my interest. They did nothing to work towards or explaining why they would not give me my money back in an appropriate amount of time. It has been four days and I still don't have my money; Chase doesn't seem concerned.

The banker and the branch manager did attempt to assist me, but they were being told the same thing by their Chase counterparts. The representatives over the phone were rude, unprofessional and not helpful. When I asked for a contact information to make a complaint, I was told that Chase did not have a phone number or address to make a complaint.

Chase needs to create a better process in assisting customers when they become victims of fraud. I am extremely dissatisfied with the services I have received from Chase over the past four days and am even more surprised on how they treat their customers. In addition, they also need a process or contact information for customers who wants to complain about the services they receive from phone representatives.

I used the convenience checks that was offered at a fixed rate of 2.99 percent until the balance is paid. I transferred almost all other revolving accounts including equity lines of credit in order to save on interests. After 2 years of never missing a payment, the interest rate was increased to 11.24 percent. I called to verify if it was a mistake on their part. I was told that the offer of fix rate after is only for 2 years. What can I do to fight this giant cheater? I have no extra cash to hire legal a help.

Like a many other people, I was handed off to CHASE from WaMu and immediately had my APR jacked up to 29.99%. Asking for a reduction in it has led nowhere.

Right now I'm being sued by Daniel **, attorney-at-law. Many years ago, I received a disappointing Chase credit card in the mail with a fee. The fee became a burden and, since I didn't feel that I had to pay the outstanding balance of the card when I hadn't spent any money on it, it was worth more returned.

Well, after a few months of hanging on to the card, I cut it up. Now I'm being sued for $2,600 when originally it only cost $200.

Prior to the economic collapse, I had several credit cards. Since the collapse, all the credit card companies gave me the boot in order to shore up their own issues, I suppose. Chase kept me as a customer, unlike the other companies, despite my very small credit limit ($300). Because of this, I was so impressed with Chase that I proudly protected my relationship with this credit card and was sure to take care of my balance like the stellar borrower often described in financial articles as a means of comparison to those lesser borrowers that can't seem to maintain their financial matters!

That is, until it came time to renew my card due to expiration. Without warning, I was denied a new card. Shocked and amazed, I called Chase expecting to be reinstated since I had clearly been confused with another client. But no, the representative on the other end of the line had said after review, it was decided I was not allowed a renewal of my credit card. It took several attempts to find out that I was being denied due to my credit rating. While understandable to some degree, I admit I was a bit insulted to be denied a renewal after three solid years of faithful (early) payments and certainly there isn't a thing I could do to salvage my relationship with what I thought to be the most understanding and customer-friendly credit card company.

Now I see that I had fooled myself into thinking that such a faceless giant didn't really care about my proven customer track record. Instead, this Goliath only cared about a slightly blemished credit report and banished me from the $300 credit limit breadcrumbs it was feeding me. Oh Chase, what a shame.

I agreed to pay off my Chase credit balance right away and was promised a $100 off my balance if I paid a minimum of $150 per month for six months. I prepaid much more than that. I called after the six months was up and was told that I had also agreed to wait an additional one to three months for them to credit my account.

I was offered a promotion back in March 2010 that if I was to do a balance transfer under the promotion, I will be charged 3.99% APR on the amount transferred until the balance is paid off. Wanting to make sure that the offer was valid, I called them and inquired about it only to be assured by their representative that it was valid and that 3.99% APR is what I will be charged until the balance is paid off.

As of April 2011, Chase changed the 3.99% APR to 14.24% APR. Along with the same offer was another offer of 0% APR against any balance transfer but had to be paid within a year and whatever balance remains after a year will be charged my standard APR of 14.24%. Doesn't it make more sense if I was to go with the 0% APR if both offers were to expire within a year? I have tried getting in touch with Chase and I can't really get a straight response but that the APR changed in April. I feel so cheated!

It will take me years before I can pay it off. I might have to sacrifice a lot if I want to get it out of the way. I will be canceling my membership with them and I will not seek their service ever in the future.

I bought a bike and a lock. I returned it the following day because the bike was defective. They accepted the return and they stated to me that my money will be returned in the next few days. So a week passed and through this time, I constantly check my bank account and no refund was given. I noticed that a week passed and they completed the transaction. So I return to target and explained that I never got a return and after a big ordeal of not getting my refund at the store, I was told to call my bank and report a credit dispute.

After calling my bank the next day, a credit appeared in my account for the money that I spent on July 24, 2011. On August 11, 2011, I checked my bank account and the bank had taken the money back as they stated I did get refund back. The bank statements now say I did get refund on July 25, 2011 but I did my credit dispute on the first of August. Why would I dispute it if it showed in my account to begin with?

I have called nine time to Chase-Continential Airlines Card to have my name removed from their database. To this day I am receiving a credit card offer every month. I am so frustrated. I don't need anything from Chase.

I have requested numerous times to have my name and address removed from Chase's mailing list, but I am still being inundated with mail from Chase. I have canceled my Chase card because of the high credit charged and, because I feel they are harassing me with mail, I would never open another account. I cannot find any means on the website to remove my name from their list.

I have been a Chase card member for over 12 years and have been treated rudely by their customer service. I was disconnected, transferred and never received proper help. They truly do not care about your satisfaction or lack of! I recently tried to book a flight using my rewards miles and was told that they could not book my flight and that I would have to purchase the ticket using my card and then call back their customer service to receive credit. After taking the trip and now trying to receive credit for the ticket, they tell me that to use my rewards miles, I will have to use four times the miles to cover the purchase (100,000 vs 25,000) because it was not booked by their rewards department. I tried several times talking to several persons to explain that I was told that they could not book my ticket at that time and I should proceed as above. I think this is a dishonest and misleading action on their part.

We have not had any problem in the past, but this transaction has been VERY frustrating! Thanks, but absolutely NO thanks Chantell **, supervisor.

I was promised a balance transfer rate of 3.99% until the balance was paid back in full around May of 2009. In May of 2011, they said that expired and raised my APR to 28.99%, which is outrageous considering that I would have kept my 15.99% with the other credit card had I known they were going to resign on their advertised special.

What am I, the little guy, supposed to do going up against a giant like Chase? I have called and written them several times but they aren't budging and I can't stand the fact that I have little to no power against them.

As for paying my debt to them, I manage the new payment but that really puts my income in a bind and now I'll be paying them forever as the minimal payment won't pay them off for 35 years (or so it says on their statement).

Fraudulent charge on my account via www.Newegg.com. Newegg admits the charge is fraudulent but says Chase needs to call them so they can reverse the payment. Chase refuses to call, claiming Newegg already verified the payment. Tried to explain to them that when they called previously, Newegg hadn't marked it as fraud but now they have. Gave them the person's contact info and everything, they still refused. Finally asked to speak to a manager. Was put on hold for an hour before being hung up on.

I received two invalid transactions on my Chase Bank credit card. I disputed the transactions with Chase Bank since they are the card issuer. Chase Bank did not investigate or attempt to resolve the charges. I have letters from the creditors saying that these charges should be removed. However, Chase Bank charged me a lot of overdraft fees and charged off the account. I would seek legal action but the amount of the transactions was $140 and with fees and charge off it is now $328. What a great way to make money if you are dishonest. An attorney costs several hundred dollars more. Something should be done to regulate Chase Bank in their dispute department.

I had a Circuit City credit card for years until they went out of business. Chase then sent me a new Best Buy store credit card. I don't find much of interest at Best Buy, so I only used it once or twice --I remember buying a steam iron, for example. I paid the balance down to zero, and was never late.

Two months ago, I decided to buy a laptop computer, using the card, at Best Buy. The card had a $10,000 limit. The computer, with peripherals, was much, much less than that. I got a "one-year interest-free" deal. When I received the first billing statement, I paid 10% of the balance due. Before receiving the next bill, I got a letter from Chase stating that "they" had decided to close my account due to other credit information received from Experian. For example, I had been over my credit limit at ATT Universal card due to an identity theft charge issue.

It should be known that Deb **, EVP, was formerly over at American Express, who purchased a legacy billing system from First USA VISA, which was operated by Jamie Dimon of CitiGroup. 1st USA and AmEx both had these similar "homicidal" credit destroying policies that were implemented if an account "went off profile", i.e. minimum risk, maximum profit, from fees, raised interest rates, etc.

These rip-off tactics follow Dimon everywhere he goes, and now he's at Chase. I suspect that Chase now has the legacy billing system handed down from Amex. It's a predatory sort of programs that seeks and destroys customers who don't use credit within the profitable margins they have selected. My mistake was probably trying to pay off the balance without the interest charges--that's a no-brainer!

In 2007, noticed fraud on my Chase Credit Card. I called and spoke with Tanisha and Josh. They closed my account and sent a new card. I never got to speak to the fraud department. I spent months calling, trying to get the fraud reported. I continued to pay my portion of the card. I stopped paying and started receiving the nasty phone calls and letters. Edwin refused to give me his ID#. I told him I was recording the call and he said, 'okay'. I told him I am not paying any more on this account as it is not mine, and that I wanted to speak with the fraud department, but he stated I can only speak to the fraud department if I make a payment. Well, I had been making payments and no one from the fraud department was ever available or returned a call. The phone number on the letters was not a good number. I would sit there for an hour on-hold, then get disconnected and kept doing this. I sent a final payment of 51.94 and quoted Illinois law on the check itself. "You accept accord and satisfaction of full debt by cashing this check. Business people who accept checks in payment of debt should be aware of Illinois Uniform Commercial Code 5/3=311.1".

I did every thing I could to take care of this. Chase, in turn, tried to have several collection agencies collect from me once I sent my copy of cancelled check and notified them I have Chase on tape, refusing to let me speak with the fraud department. They dropped the case. Chase filed a 1099C with the IRS. The IRS re-did our 2010 taxes and sent me the notification of additional taxes. I submitted to the IRS the proof I have and the IRS did not change our taxable income. I have written to Chase on several occasions and have not received a response until the IRS said " we are not collecting your money". Then they wanted the information again - not a good phone number. All the numbers I had for Chase have been bad numbers and I can not get this off my credit report. I have notified the credit agencies but they only listen to Chase, even though I have proved I paid my portion and they accepted a check as payment in full.

The lifetime promotion of 4.99% APR was changed without proper notice.

On March 18, 2011 Chase Bank received a payment of $550.00 for my Pier One Credit card. My balance at that time was $348.00. This overpayment was an error on my part. After about 1 month I called the 800 number and asked about my refund. I was told that I had to request it, so I did. I was told it would take 12 to 14 days to get it. After about 3 weeks I called back to state that I had not received my refund check. I was told to wait another week. I called back 2 weeks later and was told that they could cancel the first refund check and issue another one. It would take 12 to 14 days. I called back after 3 weeks and was told not to count week-ends and that I should call back in another week.

I then called back on June 13 and after listening to 3 different people tell me they could reissue again and I should wait another 14 days, I kept asking to talk to their Manager and was told that Supervisors don't take phone calls - WOW! Great Customer Service! The 4th person I talked to (John Twomey) finally stated that he could have the refund sent electronically into my checking account and that would take 12 to 14 days. After telling him that it was not acceptable since they are playing with MY money - not theirs, he finally agreed to get it through faster and it would be in my checking account within 3 to 5 days. So I asked him if that meant I could expect it no later than Friday, June 17 and he said Yes. Today is Thursday, June 23 and the refund has not shown up in my account. I called the 800 number for the 5th time yesterday and asked to speak to John and was told that he was not in but this person would leave him an e-mail to call me on Thursday (today).

I waited until 3:00 pm central time and called again and asked to speak to John. I was told again that he is not in. I told that person to get me to John's boss. She put me in Bret Thomson's voice mail. I left him a voice mail telling him to call me back today and gave him both my work phone (to be used until 4:00 pm) and my cell phone (to be used after 4:30 pm). I am completely appalled at the lack of customer service and somebody taking ownership of a complaint. I work in a large insurance and financial institution and none of this is allowed - I would lost my job!. Besides, that, I would have had that refund check in the Client's checking account within 2 days With Interest! I just want MY MONEY and I want it NOW.

I had three credit cards with Chase, with excellent credit; then Chase raised my APR from 6 percent to 29 APR, on all three credit cards. When I became unemployed in 6/09, I tried numerous times to contact them and work something out. Nothing happened. So basically, I know that I have a case. I see numerous class action suits against them. Please contact me for more information.

I know what my expenses are when I put them on credit cards. I also know when I have cancelled something long before it would go on a credit card. Chase however, does not recognize this (Chase AARP Credit Card Services). Stupidly, I looked at some programs that are supposed to improve your computer. They were supposed to be free for 30 days before they are put on your credit card. It was a big lie. When I received the statement from Chase, there it was, blaring me in the face. I immediately went into action to remove this mistake, since when I put the program on the computer, I removed it the same day. Later, in an article in Womens World Magazine, I found out that these were scams. I have sent letter after letter to Chase with no results. Please help. I don't need this in my life.

After 4 years of paying my Chase credit card on time, I accidentally entered $5000 into my on-line bill-pay instead of $50. Of course it bounced ... but it was a disaster I discovered the mistake and called chase immediately and sent the $50 payment but it was late. Chase not only charged me the late fee and the fee for having the $5000 not honored, but raised my interest to a penalty %-over-prime variable rate. Called again ... nothing they could do for me!

On 6/3/2011, I made an on-line payment from my Chase Bank's Checking Account ( Account # ** ) which is linked to my Chase Credit Card account ( Account # ** ) to this Chase credit card in the amount of $126.15. This payment is one of several payments made that totaled the outstanding balance of $ 998.30 for the statement balance ending on 6/11/11 with a payment due date of 6/8/11 and was paid in full on 6/3/11. (Please see attachment/statement)

I received a letter from Chase Cardmember Services on 6/7/11 (Also attached/letter, please see) which states that this payment the above mentioned was returned. I called Chase Credit Services on 6/14/11 and spoke w/Josh ** a supervisor/manager & was for the most part being confused to the point that he told me that I will be accruing interest daily on a certain balance that I'm not sure where he's getting if my current balance on statement closing 6/11/11 is not due in full until 7/8/11. He also removed the returned payment fee of $25.00 but refused to remove the $23.38 of interest charge as he stated.

Again please refer to the statement which shows the outstanding balance to match the total amount of payments made which means it's paid if full and therefore no interest charges should be applied. But again I was told by this Mr. Josh ** that because this payment was returned and is now causing the entire amount of which I don't recall what amount he gave me, well that this amount is accruing interest. He also said that this payment that would have gone from my current checking account (Please see checking account statement for the exact amount of $126.15 on 5/31/11) apparently was returned. Furthermore that it had been made by an old checking account that I had w/Chase (Please see letter from bank/proof of account being closed) which if you ask me they did something wrong if so not me, I can tell you though that when I go on-line to make payments all I see is the current accounts, not any old ones that are closed, that is false information. I think they caused this somehow and are trying to make their money back on the form of fees because you see in the last month or so they have given me at least $150.00 dollars in the form of coupons for opening a new account and for earning rewards points on my credit card.

If there was a problem why did they not notify me immediately but rather sent me a letter on 6/7/11, this payment supposedly being returned was made on 6/3/11.

Now the bigger problem I'm now having is that I have currently a balance of $1,143.92 and a total credit amount of $1, 700.00. Now, I have paid almost my entire pay check for a payment of $444.00 on 6/14/11 which is all the money I have and would allow me an available balance of $556.08 which includes a credit of $25.00 for the returned payment fee being reversed and $25.00 in the form of rewards/credit for points earned. Now I am unable to use this credit & am very much in the need of it, they are hassling me purposely so that I w/discontinue to use it to my full benefit. And being fraudulent and scheming in their business practices, this is causing pain & suffering & much stress, I am a single mom of 2 teen agers and just started a job, please help me to have them correct this and to stop harassing and trying to confuse me every time I call them. I called a second time and spoke w/Jaimy ** also a supervisor/manager and she continued to tell me that unless I paid my account in full, which again I do so every month... that I w/continue to accrue interest on the total outstanding balance, when I asked what that total was she proceeded to go in circles and repeat other non necessary information almost as to purposely frustrate me.

I have to be very careful all the time because I had another incident a while back, long explanation but basically I know exactly how to use my credit card wisely to my advantage and very necessary means to survive every month with day-to-day expenses, they are trying to deny me usage and I want to know what I can do to also sue them for discrimination and abuse.

Thank you,

Aracely

I had been a loyal customer of Chase for years and always paid my bills on time. I made an order from The Knot and only received a portion of my order, yet I was billed for the entire order. I filed a dispute with Chase, my credit card company, and provided them written documentation from The Knot that they had never mailed me the rest of my items. Despite this, chase has refused to credit my account. So I have been stuck with $78.00 in charges for an item I never got. I have never been in this situation, and always thought my credit card company would back me up. Beware of doing business with Chase!

In January 2011 I was the victim of an assault and ID theft. Four hours after the assault began, Chase Visa recognized apparent fraudulent activity occurring on my account and froze it, but not until $4200 was stolen. The crooks then went into my pocket and attacked my AMEX in the amount of $4800. The next morning I was notified of the damages and I advised them that it was all fraudulent. I was advised to wait until the charges cleared on my account to lodge a dispute. They cleared and I lodge a dispute and filed a criminal complaint with the police.

Three weeks later, while doing my corporate expense report, I discovered the AMEX fraud and I filed a dispute with them. In March I was advised by Chase Visa that my dispute was being denied on the grounds that they have my signatures and that anybody can file a police report. With those statements they accused me of being a felon. The signatures are forgeries and with their actions they are siding with the certified felon, according to Google, and against a long and honest business relationship.

AMEX, on the other hand, has recognized obvious fraudulent activity and has back charged $4800. They are also prosecuting the criminal merchant. Why are there such different outcomes? Before Chase Visa starts accusing honest citizens of felonies they should look at their own actions. They are projecting their felonious activities on to individuals that don't have the financial resources to defend their reputations. My position has been and will always be that I will not pay for fraudulent charges on my visa card. I retained an attorney that will assist me in any actions that Chase Visa initiates against me. My attorney states that with a $10,000 retainer he will sue them for violating the Fair Credit Reporting Act.

He also advised me that they have very deep pockets and that it's difficult to prevail in such a dispute and that I would be liable for their court cost. I plan to take a hit against my 800 credit score. I don't foresee needing any new credit within 5 years. But because the insurance industry is using credit scores in computing premiums this is a confounding variable. Chase's actions could cost me a lot of money in the future.

Chase card services garnished funds from my personal checking account for a debt. They do not have a court order for garnishment and have not verified the accuracy of the debt to me. Chase card services garnished $1,000 from my personal account.

I registered with Greenpath Debt. Solutions to help me with the overwhelming amount of debt that I accrued after I lost my unemployment benefits. I still had problems making ends meet and I decided that A debt. Solution company would be the best thing for me. To balanced my budget, and are helping me to keep up with my payments.

They submitted a proposal to Chase credit cards offering a reasonable payment plan that works for me and helps me keep my head above water. They rejected to proposal citing that I was already on a payment plan with them and that they will not accept my debt. solutions company. I was an extremely good customer to Chase. I never missed out on a payment and I always kept them abreast of my situation regarding unemployment benefits especially when I lost the benefits.

They want me to get on one of their payment programs that charges you incredibly high interest charges, to the point where you can never possibly make a dent in your debt. This is not feasible for me.

Chase Bank charges high fees on my credit card account. Once they saw that I was paying more on my credit card balance, they would raise the interest rate and other fees.

Credit card reform act of 2009 states that any payment due on a weekend or holiday shall not be considered late when the payment is made on the next business day, following the weekend or holiday. My credit card payment was due 3/13/11 a Sunday, I made the payment on 3/14/11 a Monday, and was assessed a 25.00 late fee, which I believe is in violation of the credit card reform law of 2009. Chase states they are in full compliance of the law, but I disagree. What can I do or who do I report this to?

I paid $95 annual fee for a UA mileage plus credit card in order to accumulate miles for my purchases. I received the card on 1/11 and I started using it immediately. I paid my first bill in full on 3/4/11. On 3/20 I attempted to make a purchase at Wal-Mart in Kailua-Kona and the transaction was denied (three times). I subsequently used an alternative credit card, and called Chase to find out why?

I was told it was a security issue because the purchase was out of my area, they suspected it might be fraud. That prior to attempting to use my card outside my home area I should call and inform Chase of my travel plans and intentions. My purchase, and the 402 miles associated with the purchase, were in fact denied.

I asked for a refund of my annual fee in return for me sending the card back, and was told that it is not possible, because the card had already been used, Though, I was just denied use of the card. Also, the security concern seemed bogus to me since I had used the card in the same store the day before, and was not denied that transaction. In fact, I had used the card four times in this geographic area with no problem, including a car rental, so why now decline me the use of the card you charged me a fee for?

I paid my fee, and fully expected to be able to use the card, but was denied the service, and the miles I paid for. I will not use or attempt to use this card again because I can not rely on the ability to conduct a purchase without denial.

I was a previous customer of Washington Mutual, which was then bought out by Chase. Prior to the buyout, I had zero issues with this card. In August of 2008, less than a year after the change over, they cancelled my credit card without notice (mail, email, call). It had been cancelled 2 months before I found out (noting noted on my online account- how I normally pay). I found out when I needed to use it in an emergency. What a shock, I thought it was an error. When I spoke to the customer service representative, they told me my account was closed and as to why, they weren't really sure. Then they said that it due to being late with payments.

When I asked then to review this, I had been late 2 times in 12 months, once by 3 hours and the other by 2 days! I paid any associated fee (although I called about the one that was 3 hours late to have the fee removed) and never had any delinquent calls, letters, etc. I guess that was just enough to increase my APR from 14.99 to 29.99% (and I have a balance transfer amount, they are charging me 31%). After 2 and a half years of continuing to pay my bill, 99% of the time over the minimum, and paying off 2 cars, they still won't decrease my APR. This type of behavior should be illegal It's unfair, disgusting and consumer abuse. How can credit card companies do this and yet receive government help? Where's my help?

I noticed my WaMu credit card was about to expire yet I have not received a new card from Chase. I called and was told that my account had been closed. When I asked why, I was told by someone in India that they ran my credit report probably and decided not to extend credit after the expiration date. I had been an excellent card member since 2005. Then I noticed that my interest rate was bumped from 24% to 31%. I call this scam. I subsequently closed all my Chase accounts so they're ultimately the losers. Be warned.

I was a loyal customer with Chase credit card for about five years until tonight. About a month ago, I received my bill in the mail and sent a payment in which always way over the minimum payment. I kept checking my bank account to see when it went through and about after ten days of not seeing it, I called the company and asked why they haven't deducted it. Their response was that they haven't received it yet. So I told the customer service agent that I would cancel the check and go ahead and pay for it over the phone, which I did. Well last week, I got a letter that stated they received my check but couldn't process it because it was canceled.

I called again and they reassured me that everything was in order and not to worry. Tonight, I received a letter that stated they were raising my interest rate to 21% because of a late payment. I was already paying 18.9% for five years, never late, always paid way over the minimum. I sent the payment in on time, with extra days to get there and they received it 11 days after. I still have the canceled check. After five years of loyalty and being an on time customer, they raised my rate for something that I was not at fault for. I have proof of it. It makes me sick to see that companies can do this to us. It's unfair and should be illegal to change rates for more system's mistakes. I'm the type of person to business on a handshake and a person who is good for the word he speaks. This is ridiculous and as far as ever doing business with Chase again, never. They are thieves, liars and have no honor amongst American citizens. Good riddance!

I had a large credit limit with Chase, once upon a time, that has been reduced each time I pay a large amount to the creditor. I pay $500 and they reduce the credit line by $1,000. I pay $1,000 and they reduce it by $500. Chase increased my APR to 29.99%. Wow! I called to have it reduced. Someone from a call center had it reduced to 27.24%. So, I paid the balance down to less than half the credit limit. I called to have the APR reduced. They reduced the credit limit and did not reduce my APR. I have never been late on any payment, ever, with any creditor or bank or anything. None of my other 3 creditors have done anything like this. So, I was amazed, disappointed, and very angry.

So, I called 212-270-6000. I spoke with someone in executive services and explained my situation. They put me on the line with someone from lending and I stayed on the line. After 35 minutes and 49 seconds, they could not do anything for me. They said that my payment history was good and that the amounts paid were exceeding the minimum. They then said that because of my debt to credit ratio, I could not have my APR reduced. It was a circular conversation, but a pleasant one. I want to pay down my credit card quickly, but I need to have a reduced APR. Chase will not reduce my APR because my debt to credit ratio is too high. I cannot improve my debt to credit ratio because each time I pay down my debt, they reduce my credit.

An ex-bf stole my MasterCard from my home. When Chase Fraud called me, I reported it to the police. Chase then decided to charge me for the $8,000.00 in fraudulent charges which I have paid Chase!

This letter is in response to our recent telephone conversation on January 5, 2011. I appreciate the opportunity to assist you on behalf of the Card Services Executive Office. Ms.**, at your request, (Me: because you refused to speak to me when you learned I was recording the call, even though you were also recording the call) Chase: I am responding to you in writing. I understand that you have concerns regarding your fraud claim not being accepted on the above-referenced account ending in **. I would like to share that your concerns have been reviewed extensively by the Executive Office and our Fraud Department.

I regret that we are unable to accept your claim of fraud for the following reasons: The account ending in ** was closed on August 1, 2010, when you advised us (Me: Incorrect. Chase Fraud Department called me due to a huge increase in charges on this card, but they did not call until over $2,000.00 in fraudulent charges was made. I have yet to receive an explanation of why it took Chase Fraud Department so long to contact me and alert me of the many charges on this previously seldom used card. I would very much like to have this answered, but as anyone can see, there was no reference to this issue in this letter, although I have asked many times) Chase: that most of the transactions made from June 10, 2010 through July 13, 2010 were fraudulent. (Me: Incorrect dates. Fraud charges were from 6/13/10 to 8/1/2010)

Chase: In your conversation with our Fraud Department on August 10, 2010, you stated that Mr. C. took the credit card and used it without your knowledge. (Me: Correct.) Chase: You advised us that Mr. C. was authorized to use all of your accounts, except for the Chase account. (Me: This is completely false. At no time did Mr. C have access to all my accounts, which can easily be proven, so I could not possibly have said this.) Chase: However, you confirmed that the charges made on July 13, 2010, were for his broken window. (Me: Untrue. He never had a broken window in his home or vehicle, so I could not possibly have said this. The fraudulent charges on 7/13/2010 were for alcohol, dry cleaning, and office supplies. There is no charge for a broken window. No wonder I feel I need to record any calls I get from Chase.)

Chase: In reviewing the emails you sent us, you stated to Mr. C. that you did not want him to continue to use the card, (Me: Proof that he no longer had authorization to use the WF Visa that he had previously been authorized to use and that he was not authorized to use any other card as the email states I could not afford any more charges.) Chase: and to let you know so that you could cancel the account without inconveniencing him. (Me: The WF Visa he was using was cancelled the same day as the email, and the same day as Mr. C emailed me, he agreed to no longer make charges on my credit card.)

Chase: You stated that you would be sending him the statements for what he charged on the account. This indicates that you knew Mr. C was using the account. (Me: The Wells Fargo account, not the Chase account. I have submitted to Chase multiple pages of proof of this, so Chase is well aware it was the WF Visa he was using and it was the WF Visa I was referring to in my email to Mr. C) Chase: and that he used it to pay for his lawyer. (Me: This is a non sequitur.)

Chase: You also indicated that you would send Mr. C a check for the lawyer, instead of using the card. (Me: More proof that he was not authorized to make further charges to me. The check was to be for no more than $2,000.00, certainly not the $8,000.00 fraudulently charged to my Chase account. No bankruptcy costs this much and you are ignoring that he made many, many other charges including charges for his interlock device for convicted drunk drivers, gas, and many charges at the liquor store which has nothing to do with any bankruptcy.)

Chase: Our Fraud Department contacted the Bankruptcy Attorney's office, and it was confirmed that this account was used with your authorization for his client to make a payment with the account. (Me: How could the attorney's office possibly know if I had authorized use of the Chase card as I certainly was not there when it was used? I also called them the day after I received the call from Chase Fraud department (Monday, August 2, 2010) and informed them that I had not authorized use of my card. I notified the local police as well of the theft of my card. All these information, Chase has in their possession.)

Chase: On August 18, 2010, we had advised you that transactions in question were rebilled to the account. (Me: How did you advise me? I never got a call, a letter, or an email, just the bill with all fraudulent charges posted to me.) Chase: On December 7, 2010, the account ending in ** was closed, when you advised us that the card was missing, (Me: A total lie. The account was closed due to continuing recurrent fraudulent charges that Chase allowed to go through to the new card, so Chase called me and said it would be easier for them if they reissued me a new card. As a result, a new account number ending in ** was established.

As anyone can see, Chase is charging me for these fraudulent charges because they know they cannot get the money from Mr. C as he is filing bankruptcy. So regardless of the facts, Chase is billing me. I have paid all these charges. I am an elderly woman on a fixed income and this unfair, illegal action on Chase's part has greatly impacted by retirement.

On October 15, 2010 I paid my credit card in full. I tried today to use my credit card and they said it was declined. I found out that they charged me fees that I wasn't aware of, and canceled my account for a balance of $80.32 which shouldn't be there since I paid the balance in full.

They didn't call me or send me any letters. I called for an explanation and they said my account was closed and they said there was nothing they can do. Besides the embarrassment of having a credit card rejected, my credit score will be affected. I told them that since I was never notified of these ghost fees, I was willing to pay whatever was owed just to fix the problem at my own expense. It was an awful experience and I am cancelling all my accounts with Chase. I will like to have some kind of resolution to what I consider was an appropriate fee.

Chase Credit Card charged my account a one dollar interest fee. I know it's only one dollar, however, my account was closed well over a year ago and I just made my last and final payment over a month ago. Now, how can this bank charge me a "minimum one dollar interest fee" on a closed and zero balance account? My gripe is this, what if and I am certain there are, a million other unsuspecting people out there being defrauded with this small amount. That's a million dollars in the pockets for the CEO's. The rich keep getting richer while they steal from middle class working people. What a shame.

I have had a merchant dispute in July 2010. I had purchased a car off eBay. I paid the "down payment" for $500 as needed within 24 hours by eBay rules. The merchant sent me the bill and was charging me an extra $150 for administrative charges that were not listed on eBay. I called the eBay Customer Service and I received written confirmation that the offer did not list the extra $150. They suggested I cancel the order. I called the merchant to ask them to wave the $150 and told them what eBay suggested. I told them if they would not wave the administration fee, I would cancel the order. They just said cancel the order. After going through 5 months of credit card disputes, I sent an email to the merchant that I would sue them in small claims court for total damages of $1,400 that included all the time I had invested in resolving this situation. They told me they would return my deposit if they had actually got paid.

I sent a summary to Chase and they told me that if the merchant was going to credit my account, within 75 days of payment, they would let them just credit me back and they would refuse the purchase dispute. Now, I still do not have any guarantee that I will ever get paid by the merchant and I will be getting stuck with the interest for $500 over 6 or more months. Chase needs to be held accountable, but I don't know what the best thing to do is.

After speaking with a customer service person who was rude and ignorant, possessing no listening skills, I spoke with a supervisor, Brandon **, who also tried to explain the reason for the reduced limit.

For the 10th time, I told him that I wasn't calling about that, and I did not care about the reason. My complaint was that I was not notified that my credit limit was reduced. Mr. ** said that I would be notified in a day or two. Eleven days before Christmas you take my ability to purchase gifts away from my without advising me. This must be a violation of some standard.

Oddly enough, today (December 20, 2010) I received the notice (copy enclosed). You can be assured I'll be closing my account.

I have a checking account with this bank as well as two credit cards. I rarely use the cards, and have never made a late payment to Chase. While checking my online banking balances and paying bills, I noticed that one of my credit cards with an $800 balance went from having a credit limit of $20,000 to a limit of $2,000 without any warning-- thus damaging my credit as the card is now considered to carry a high balance.

This is extremely poor business and customer service. I feel I have no options, as every bank seems to use the same unfair practices and everyone in this country now has bad credit as a result. Unfortunately, people need to use banks (can't pay cash for all of your bills!). This is extremely outrageous. Something must be done about this. I know people who have had the same happen to them (with Chase and Bank of America) and they found that they were suddenly over their credit limit and were charged a penalty on top of it!

I had a credit card with Chase Bank for $13,000.00. I could not pay the monthly fees so Chase offered me a settlement for $6,700.00. The first check was electronic debit from my checking in July. The second check I mailed to them in August. My third payment I also mailed in September. I noticed my account was not debited so I called to find out my payment status. Chase said they had the check but had to do a back-scan and not to worry it will be debited soon.

I called a few weeks later to find out what happened. Chase said they do not have the check. I asked what happened to the back-scan they were investigating. I asked them should I send in another check. They said no, not until this is resolved. So I waited. Until this day, I do not know what a back-scan is. It was now December and nothing was happening. Chase told me to put a stop payment on the check and wait for the paper work from my back and fax them the stop payment. I did as told.

I waited, then the person I was in contact with, no longer worked there. So I had to tell the whole incident over again and re-fax my previous 2 payments and stop payment with agreement every time calling different 800 number. Then the last 800 number I called which I thought was the investigations dept said they would help me. They would ask Chase to accept my last payment because of all I've been through. I said okay and faxed them all the info requested. It turned out it was Zwicker. They told me, "Unfortunately, Chase does not want your last payment you need to pay the whole $13,000.00." I spoke with a lawyer in NY about this and she advised me to send all my payments and settlement letter and write a cover letter to Chase to accept my third and final payment in good faith and report to the credit bureaus as settled.

I wrote to Chase, send them all previous payment, stop payment from my bank and the final 3rd payment. They accepted as they electronically debited my account. Now, I am now being sued in Virginia court by Chase Bank c/o Zwicker and Associates for the full $13,000.00 amount. I have a pending judgement against me. I have called I believe all the lawyers here in this town of Front Royal and no one can help me.

On November 13th, I requested a reduction in my credit card. Shortly after (about 2 hours), I received a message that my account was being closed because of my balance. I was not over the limit and have paid timely. The information that they sent me was a lie about the credit bureau report, I requested a copy. I would like to pursue this issue. Several of my friends and co-workers have stated that the same happened to them all of which were originally with WaMu. Chase closing my account affects my credit report and credit score because it shows as being closed by Chase and not me. I still don't know the reason because it was not over the limit or late.

I had a dispute over the automotive repairs that were faulty. For a year, I had this claim in dispute. Each month I would call Visa to see how the dispute was going, and each month I was told it is still in dispute. At no time did I get any notice that they were no longer going to pursue this claim of faulty work on my car by Martino Tire. While I was very vigilant in making sure my dispute was still active, a few times they seem to have put it back on my bill without notice to me. When I called several times I was told that there seemed to be two files on the same dispute.

Somehow they did this a few times and had me as late to pay and sent notice to the credit bureaus. I have always had excellent credit and scores over 800 for the past few years prior to Chase doing this to me. In the end, they paid me a settlement and said they would remove the 6 lates they had on the credit bureau reports. They never removed them even though they promised me they would a few times.

A few different people in the dispute department and they failed to do it. I want them to do what they said as I always had perfect credit and this was their own lack of responsibility in keeping me posted and keeping their files straight. I have not used that card again. I had that account for about 15 years and it is disgusting what they did to me. My engine had blown 500 miles from home in a hurricane. I was stranded in a little town in northern Florida.

My car was totally messed up and Martino Tire had me over their barrel and I could not do a thing about it. They put the wrong engine in my car, the wrong clutch, and they charged me like double for the work and parts. $4500 bill for an old used engine and 5 weeks they kept the car. I am disabled. I had to pay $500 to someone to get me home and then had to rent a car to get to my doctors, etc.

This was a horrific time in my life and Chase Visa made it the worst experience. I thought I could trust them. They were abusive on the phone to me, rude to me, treated me like a criminal when they had proof, and many estimates and statements from the mechanic that Martino Tire defrauded me. I want my great credit back! This hurt my credit, which I worked so hard for my lifetime to keep perfect, a car that does not run right and loss of a lot of money.

I have been a Chase Southwest Visa cardholder for several years and for the last two years, I have been trying to have the extra security measures removed from my card - i.e., If I am going to make a purchase that they find unusual, I, (apparently), have to contact Chase Southwest Visa for permission, or the charge is simply declined. If I utilize the convenience checks which they send me, they will not put the charge through until it is verified by someone on my home telephone. Often, when I need to make purchases of this nature, I am over 1000 miles from home and 100% unable to verify these potential charges.

I contacted the Customer Service people today and was not helped to find a solution to this problem. I was, rather, patronized, mollified, and actually laughed at by their Customer Service representatives. There was no alternative solution offered; no actual understanding that this is my account and that I have the ability to do with it as I choose - not what they find to be within a normal pattern.

Whether or not my spending falls within a normal pattern is not their business as long as I abide by the terms and conditions of the implied contract which I have with that company. If my card is lost or stolen, I will notify the company. I do not want a watch dog deciding what I can purchase and/or when I can purchase it. I also expect some help from that company and not to be treated in the ridiculous fashion in which I was treated today.

I had one father and I do not need another. There is no customer service at this company - its only purpose is to tell you that there's "nothing I can do," then laugh at you when you are incredulous at this response. They are not living up to their contract with me and they are making erroneous decisions regarding my ability to use this card.

I have never had an account with Chase Bank or Chase Card Services. Two months ago, I received my credit report and was surprised to see my name on a joint account with my husband of whom I am going through a separation with. I did confront him about this and he said that he has never put my name on any account with chase. I called chase and asked them to remove my name and send me proof of where I agreed to be on this account because I know that there is no proof.

They told me that my husband's credit is unable to solely be responsible for this account and they would not remove my name. I still have not received any proof that I agreed to be on this account because I know that I never did agree. Ms. Katia ** said that we had the same address. I would like to know what does this have to do with it and does this mean that anyone in my building can put my name on their account. I did not know about this account and I never had any access to or use of this account.

I had a credit card with Chase for over four years. I also had a car loan which was paid completely some months ago. I don't understand what is their reasoning for treating customers. First, they decided based on my credit score to reduce the limit in my card. A few days later, they call me to thank me for my business, to let me know that I am a good customer and, of course, to offer me one of their services. I asked them to lower my rate since I am such a good customer and they denied my request. This card was going to expire on 12/11 and I tried to use it yesterday. It was declined and when I called Chase, they told me that based on my credit, they have decided to discontinue my card. It seems that a over 700 points credit score is not good enough for them. I then applied to another card that only individuals with an excellent credit can apply for and was immediately approved. Dealing with Chase is a nightmare!

I have 21 Chase card applications in my hand and I have received these in a month's time. Don't you think if I did not respond to the first five you could see that I am not interested, but no. Don't you think this is a little obsessive? I think its harassment! Is there some way I can get my name and my husband Christopher *** off your mailing list? Save some trees and stop sending me your "junk" mail or I am going to have to take matters in my own hands. Thank you!

I have had this credit card account for approx five years. Payment for this card is automatically debited from my checking account and it has been that way for years. I do not receive statements. I called customer service a couple of weeks ago for an unrelated matter and in speaking to the representative, found that my interest rate had been increased in January, 2010 from 9.9% to 20.24%. I didn't know about this increase since I never checked this account.

My only concern has always been to make sure that the payment was deducted from my checking account and paid on time. Since I have never been late, over the limit and suffered any other infraction, I wanted to know why my interest rate had taken such a dramatic turn. They explained that all card members were sent a letter last year advising them that the rates were going to be increased in January 2010 and were given an option to opt-out. I don't know the specifics of the letter since I either threw it away with all the hundreds of pieces of junk mail from other credit card companies, including Chase I might add. I protested the increased and told them that I felt that this increase was not only unwarranted, but unethical. I told that my rate would remain at 20.24% and that I should have read the letter that was sent in 2009.

Something is wrong here. I called a couple more times and spoke to different people and was given the same "No." I also visited my bank but they explained that they are not connected to the credit card portion of Chase's business. They would not be able to help me. The current balance on this card is $2,293. My automatically monthly payments are $45 a month. The cost of my new interest rate this month was $27. At this rate, it will take me many years to pay off this card and the amount I pay in interest will most likely equal or exceed my purchase balance. They are making it impossible for me make ends meet. Is there any recourse?

I had a credit card with a $2,000 limit. I was nearing the limit, so I made a big payment of $600 to get it just below $1,400. A few days later, I tried to make a purchase well within the limit, but the transaction was denied. I called Chase and they notified me that my credit limit had been lowered to $1,400. I requested an increase, but the rep literally scolded me for "irresponsible use of my credit" and suggested I review my financial situation. Wow!

Chase Card Services did not send me my visa credit card bill in September 2010. I just received my October visa bill and it includes interest and late fees of close to $90 on the $36 payment that was due 10/25.

I moved in August and gave a change of address to Chase 8/11/10, so I suspect they failed to send the bill to the correct address. The day I received my October bill (11/3), I called customer service and then spoke to a manager. Both of whom denied me any remedy or removal of the fees which is due to their mistake. I then faxed a letter to Ms. ****** asking for removal. I've received no response. In the twelve years I've had the card, I've never been late on a bill and paid each bill in full. The first customer service person said I should have checked online but I have never used or signed up for the online service and I don't use the card that much and was moving across the country to realize the $36 was due.

I was commanded by CCS to pay a $9,000 loan back to them at a price of almost $30k. I wrote a letter demanding re-negotiation of terms as I always paid my bill on time and was only late once or twice over a seven year period and my interest rate was raised to 29.9% for no reason. I have had much correspondence, most documented about my experience and I am now paying $226/month for 60 months. But since this was dragged out for so long (their fault), I am now being charged a large 90-day late fee. This is what I believe to be usury. I hope someone can help me. I am stressed and since out of work, very emotionally disturbed by this company, whom I trusted, who turned against me like this for no reason.

In April, I traveled to South Africa and used my card for around $5000.00 worth of charges. I was not charged on my card until early Oct. However, I have been overcharged by $358.98 due to exchange rate difference from date I made purchases and date Chase actually charged my card.

However, I have contacted all the companies I made charges with in Africa and their CC processing companies paid them back in April for my purchases. Chase does not seem to care and simply says I am responsible for the charges and the exchange rate variance is out of their control. Charging a card 5 months after the charges were made is not the customer's fault. This is Chase and their partners in Africa, so why am I the customer being treated like I have done something wrong?

My Colorado unemployment benefits are put on a Chase Debit card. This morning, I checked the balance on the card, and it showed $403. I proceeded to the local Chase Bank ATM, a drive-thru at a Chase branch, and asked the ATM for $400. I received a receipt stating that the transaction was denied. I then asked for a balance and was given a receipt saying that the transaction was denied. Then I attempted to withdraw $100, and received a receipt stating that the transaction was denied for insufficient funds.

So, I went back to my house and looked at the Chase account on my computer. The account showed a $400 withdrawal with today's date. Because I had not gotten this money, I immediately called Chase Customer service. They told me that my only option was to dispute the withdrawal - if successful; they would return the money to me after 10 business days. When I asked if I would receive some kind of confirmation in writing that the dispute had been initiated, she said I would not. I then asked for her name, and she would only give me her first name. Finally, she coughed up a claim number.

I then drove to the actual Chase Bank branch where this had happened, with the receipts and a printout of my account in hand. I was met at the door by a rather prosperous looking banker, and he listened to my description of the problem and referred me back to the phone number which I had initially called.

Given my deep mistrust of these conglomerate banks and the political system of rewards which handed unemployment funds over to Chase bank to begin with, my best guess is that Chase just needed a few extra millions of dollars to fund something overnight and so created this "glitch" in order to have more ready cash for a couple of weeks.

My troubles are nothing compared with what was done to Americans as a whole when this money, our money from our tax dollars, was turned over to Chase Bank. Why there is no discussion of this completely unethical arrangement is beyond me, but I would definitely be lying if I said I am surprised by any of it. What on earth will I do if Chase Bank tells me in 10 days that I got the $400? My only recourse will be to file theft charges against the branch because their ATM malfunctioned. Let them prove that they gave me the money.

Back in 2005, I got a credit card from Chase. Everything was okay at first, then about a few months later, they started telling me that I was late with my fees and charging me heavy interests. Knowing that I had paid them on time, I asked them what was going on. They told me that I had missed the due date on my card. I asked them how could that be, and they said that they changed the due date (without my knowledge of course) and wouldn't give me a reason why. So I had lost my job and couldn't keep up the payments. I told them this, but of course they told me their favorite line that they tell everybody, "there's nothing we can do about that". So they supposedly closed my account with them in the latter part of 2005. So for the past few years, they had harassed me via phone or mail asking for some kind of payment (I live in an economically depressed area where jobs are scarce).

Lo and behold, just yesterday, I received a call from a company that they had sold my account information to, saying that I was being sued for $1,888. I told the man that I didn't have a job, but that didn't seem to matter to him. He talked so nasty and hateful to me that I got highly upset. His exact words were "I'm going to sue your ****!" Now that set me on fire for sure! But the joke is on Chase and their little comrades. Here in the state of Virginia, the statue of limitation on revolving accounts (i.e. credit cards) is 3 years, so why did those scam artists wait 5 years before they decided to sue me? C'mon! What do they really think they can get out of me? I'm unemployed, I have no bank accounts of any sort, no assets, nothing!

Apparently, those idiots that rob all of us innocent people do not check into their client's state laws very well or they just see dollar signs in their eyes and don't care. And besides, since they waited so long to try and sue me, it will more than likely get dismissed. So people, if any of you are going through a time like I am with Chase, I strongly suggest you check your state and local laws because as we all know, Chase loves breaking the law with their unethical practices. I will keep everyone updated with this situation because sooner or later, somebody will beat "Teflon Chase" at their own game!

Chase does not care about their customers at all. They just want you to stay in debt forever so they can make money off you. When I first started with them in December 07 my interest was 0% it now has skyrocketed to 29.99%. I have tried calling in to lower my APR so I can in some shape or way pay down the Credit Card debt, but they weren't doing APR rate reduction and I tried calling in again couple of months later, like they said to, and again they gave me the same reason.

I demanded to be transfer to the Credit Help Department. This time they gave me the excuse that my expense was too close to my income so they cannot help me. Huh? Isn't that the exact reason why you should help your customer? I told them that my parents can give me some money each month to help pay my credit card if I can work something out with Chase. The person told me that that cannot be considered income. I hate how every time I call in to Chase to make changes, to request anything, they also sound so condescending and unwilling to help.

Approximately 4 years ago, I received Wamu Credit Card with a limit of $1500. Over time, I used the card, paying on time and over the minimum due. My limit was eventually increased to $6500 and my credit score, which Wamu provided every month rose steadily. I did have some medical bills that I was behind in paying due to a serious medical condition, but every other obligation including a car payment was either early or paid on time. Wamu was then acquired by Chase. They took away the credit score info and lowered my limit to $5200. I continued to pay early and more than the minimum, all prior medical bills were paid in full (not that Chase should care).

Yesterday, I received a notice that my limit was being reduced to $4200; the reason being for late payments within the last 36 months with other companies. What? Now they go back 3 years? I was paying $100 every month towards my balance, it looks like each time I have paid off $1000 of the balance, they lower my credit limit by that much. I also thought with the new laws, they had to give 45 days notice before changing the limit? I got the letter on 10/25/2010 and when I checked my account, it was already lowered.

Chase Visa repeatedly took funds from my personal checking account (in addition to the payments I had been making) without my authorization. Chase enrolled me in the automatic payment system without my knowledge or consent.

In August, I upgraded my credit card to a more expensive credit card with more perks. I was told that there would only be a "soft" credit check. That was incorrect as I had a hard credit check performed on me.

I got an email bill. I can't find card or number; I forgot the password and user name. I can't find number to call anywhere, Help!

I had a credit card with Chase in good standing, but with a large balance. I had accidentally been late on one payment and Chase increased the interest rate to an exorbitant 29.99%. I dipped into my savings and paid off the balance. I asked Chase to lower the interest rate but they refused to do so. The CSR said the law prevented them from doing so. While I haven't looked into the law on this point, I doubt that's the case and rather it's a Chase policy to refuse to lower rates to more reasonable levels. As an aside, check out JP Morgan Chase's financials and stock price. The company seems to be doing very well indeed.

I have had a Chase Credit Card since 2007 and my interest rate is now at 31.99%. I owe $1880 on the card. And so far for 2010, I have paid close to $600 in interest. I called Chase to ask for a lower interest rate and was told that I could not get one. I explained that my wife was unemployed. They said they could not reduce my interest rate. They were condescending and rude.

To frustrate me more, they transferred me 4 times and asked me the same verification questions each time. The line was horrible and they said that they would begin a process to see if they can reduce my interest rate, and that the process will end in February 2011. Chase has no problem increasing people's interest rate instantly. But it takes them 5 months to decide if they will lower someone's interest rate even when it is blatantly and excessively high. 32% interest should be illegal. I am going to transfer my balance to another card and I don't want any junk mail from Chase in my mailbox. I really detest unethical and criminal business practices that take advantage of struggling people.

I went online to check my credit card account and noticed that my credit limit had been reduced. This was the second time within 18 months. I had not made any late payments and had recently made a 2000.00 payment on a 5500.00 balance.

When I called to inquire about my account the first representative stated it was because I had negative accounts. I explained that she was inaccurate and asked to speak to a manager. I was transferred and the manager stated because I had a Pier One card discharged in a bankruptcy in 2001, my credit limit was being reduced. I told the manager, I did not understand because I initially had a credit limit of 13,900 and he proceeded to tell me that my account was purchased from Washington Mutual and they issued that credit amount not Chase. Then he begin to raise his voice and continue discuss the Pier One account. The customer service manager was rude and never explained why my credit limit was reduced. Now, it appears as if I am maxing out the credit card and that is not the case.

I have a Chase credit card on which I had a balance of $3,000 and a credit limit of at least twice this amount. I use the card frequently, mostly to order things from amazon.com, the online retailer, though I have conscientiously kept the balance at around or below $3,000. Out of the blue, I received a letter from Chase informing me that they had (already) reduced my credit line to $3,500 based on my credit profile (which has always been very good).

I think this is grossly irresponsible behavior. One of the reasons one has a credit card is to keep in reserve in case of difficult or catastrophic situations while out and about in the world or while traveling, e.g. abroad. Scenario: I am traveling abroad and have an auto accident/theft/medical emergency and require cash quickly. Unbeknownst to me, Chase has reduced my credit line to a level where there are almost no remaining disposable funds, and notified me after the fact of this action by sending a letter to my residence, without grace period or prior warning. I think this behavior is irresponsible and contemptible, particularly considering the usurious profits earned on the "service" being provided. (I put "service" in quotes as I have to wonder in light of all relevant circumstances who are really working for whom.)

There are many businesses and merchants who provide excellent and polite service, but it seems to be the banks, which make the greatest windfall profits off the backs of consumers, who feel free to treat their customers with complete contempt. And this aside from the damage they have inflicted macro-economically speaking through their completely irresponsible attitudes. I called Chase to complain about this behavior and was informed by the representative I spoke with that Chase is a "fair and responsible lender." Interest in the issue I was complaining about there was none. I suppose Chase's only interest is in interest.

I got a Washington Mutual credit card in July 2006. It was later changed to Chase credit card in November 2009. My interest rate jumped to the default rate of 29.99%. My minimum payment doubled. I have been paying this for almost a year now. I have no agreement with Chase, only with Washington Mutual. I don't see how they can do this. I have never missed a payment on this card. I would like to ask consumer affairs what my options are. I have been trying my best to keep my credit in good standing, but it burns me to keep paying a crook. I am a vet and I voted all my life, but for congress to let banks keep preying on people like this. I think I will keep my vote at home. Thank you.

I recently was unable to pay 2 of my credit card bills on time and started receiving calls inquiring about the reason. I told Chase that I was having trouble paying my bills. My bills currently add up to significantly more than my income. In the past, I have been using funds from my 401K to help pay my bills. I no longer have any money left in my 401K account.

The operator mentioned the possibility of putting me on a hardship program. After discussing my bills and income she told me that I did not qualify for the hardship program because I didn't make enough money. Then on the next statement for this credit card, I find that Chase had chosen to increase my interest rate from 17% to 20%. They don't seem to be the least bit interested in helping me.

I have carried a large balance on my Chase Credit card, which carried a whopping 32.9% interest rate. I took out a loan and paid the balance in full. The following month (after I paid the balance in full) I received a bill for $153 for interest incurred, which had to be paid in full. I don't understand this, since I paid off other cards with this loan that didn't back charge me like this. I didn't pay it late; it was a few days before the due date.

Why can't someone address the issue of Chase's practice of moving around the due date of the credit card payment. Instead of having the same due date each month like most accounts, Chase continuously moves the date up so if you're used to paying on the 15th, it will suddenly be due on the 11th or 12th. Then if you're a day late, they jack the interest up to 19 percent. This shouldn't be legal. I hate Chase.

I have used my Chase card once since May of 2010. I have always paid more than the minimal payment. I had also received a few phone calls from Chase wanting me to sign up for some special program because I hadn't used the card, paid more than the minimal payment and if i paid x number dollars in a certain time frame, they would reduce the balance by $100. And I was thanked for never being late on a card I have had for 7 years and what a great customer, etc.

Today out of the blue, I got a letter telling me my card was canceled. ***? I thought I was a great customer just a few months ago? And my card is canceled! Was it because I didn't sign up for the special program?

They closed my credit cards in good standing for eight years. Chase just decided to close my cards plus raise my rate. I have to pay higher minimum, plus, it reduced my credit score.

I wanted to set the amount of my auto-payments each month for my Chase credit card, so I could pay it off more quickly. Chase does not allow you to pay more than the minimum as an auto-payment. In addition, if you pay an additional amount during the month (whether online, on the phone, or at a bank) this will not go toward the balance on the card, but will go toward the next month's auto-payment to ensure you are only paying the minimum each month.

By being allowed to pay only the minimum (currently $145), it will take me 28 years to pay off my card, costing me $14,253. If I could have increased my monthly payment to $188, I would be able to pay it off in 3 years saving over $7,000.

My husband and I had a Visa credit card with Chase Cardmember Services since 1989. Our credit limit was $25,000.00. On May 22, 2010, my husband died. Since that time, I paid Cardmember Services $5200.00, $7900.00 and $18,600.00. Each month my balance was paid off in its entirety. I contacted Cardmember Services to let them know my husband died in May. They never changed over the account to my name. When I received my October bill, I found there were charges on the account totaling $13.00 that were not my charges. At that time I reminded them that my husband had died and the account should be placed in my name.

They made me do an application over the phone and changed my account number to make sure no other charges were placed on the account that I did not make. I received a letter on 10/14/10 telling me my new credit limit was now $900.00. I found this to be insulting. Particularly due to the fact when I was working, I made $30,000.00 more than my husband.

I called Chase to find out why they had dropped my credit limit from $25,000.00 to $900.00 and they refused to tell me why. On October 5, 2010, I checked my credit scores with Freecreditscore.com and found my scores were 766, 774 and 766 with the three major credit bureaus. The only reason they were below 800 was because I had a debt of $18,654.00 which was close to my credit limit of $25,000.00. This debt was paid to Cardmember Services on the day I received the bill, by giving them permission to take it out of my checking account the next day because I was afraid since they changed my credit card number that it would not be applied to the right account.

I purchased a home on September 2, 2010. I paid cash for this home. I do not have a mortgage payment. I pay by bills as soon as I receive them. I do not have a car payment. The only bills I have are utilities, taxes, and living expenses. I am retired and have a yearly income of $49,000.00. I feel I am being penalized by Chase because I am retired and I am a woman. They refused to tell me over the phone why my credit limit was reduced by 98%. I could understand the reasoning if I was a credit risk, but I only use one credit card and pay it off every month. Am I being penalized because I pay it off every month and do not carry a balance or is it because I am a woman and retired. They never asked me about any assets I might have, so they really have no idea about my wealth.

Why are credit cards able to have carte blanche with peoples money? Whoever regulates these industries need to do something immediately. Over the past 15 yrs, I have done numerous 0% balance transfers for a specific amount of time or some with no time specified, just until balance paid in full. Once the promo amount is charged, it is never listed on the statement, what the terms or expiration date of the promotional amount is. Home Depot and Lowe's list this. Why not bank cards? Every single time, when I have called to 'confirm' my terms, they change the original terms.

I have learned never to do balance transfers over the phone with a rep (no paper trail). It's your word against theirs. Even with balance transfer checks, I saved the documentation to prove the terms but every time I call to verify, they have changed the ending date of the promo term. The banks are crooks and are not held accountable! I just did a balance transfer at 0% until July 15, 2011. As soon as I received my first statement, I called and the rep told me it expired June 1, 2011. It never fails.

This should never happen. Luckily, I am financially well off and can pay these debts but it amazes me that every single time they change the terms at their own discretion and don't disclose anything on the bank statement. Why are they allowed to get away with fraud? Why are Home Depot and Lowe's required to disclose their promotional terms but not other bank card? This had got to change! The only card I have ever had that has been exceptional in every way is American Express.

I called Chase to get my APR reduced. I paid off all my credit cards over a year ago and have been current on all accounts since then. The three other credit card companies I called (AAA, Bank of America, and Citi Cards) reduced my rate with no hassle by between 7 and 15% each. Chase, however, would not even look at my account. The party line, parroted by both the initial rep I spoke with, and the manager, was that Chase is not even assessing anyone's account for APR changes until February 2011.

I asked to close my account. The manager argued with me that since I have not been carrying a balance, the APR didn't matter. It does matter. It matters because I want better APRs reflected on my credit report. It matters because I might unexpectedly need to carry a balance. And it matters because I do not want to do business with a company with such poor customer service and asinine policies.

I recently was going on a cruise and planned on using my WaMU/Chase credit card for the expenses. I pulled the card out and it was expired. Called Chase and was told my account was closed. I had no balance on my credit card and had a $7600 credit limit. I wrote them to complain due to my good use of card and continuous payoff of my account. Their response? I'm sorry you can't use the card after its expiration date and your account is closed. This was for no reason. So now I have established good credit beginning with Washington Mutual, ended up with Chase and have now been cancelled. I see in other customer complaints this is apparently happening and they have been told they cancel your card for absolutely no reason anytime they want. Are you serious? Now we are punishing the good people too! I just want answers as to why-not "your account has been closed"! I knew that already!

On 09-06 or 07, 2010, I contacted Chase credit card services and I asked if they can give me a lower APR interest in my credit card, which is now 13.24%. Since I have been a very good customer and paying always on time or before time my credit card, I was requesting for a lower interest rate or a promotional rate because I wanted to pay an account with higher APR.

The customer representative informed me that they can not do anything. Anyway, on 09-09-2010, I made a payment of more than $10,000.00 with my credit card to the higher APR account. My frustration started when the Chase card service sent me exactly the following week 2 promotional check with 0% APR until 08/2011. Two weeks later, they sent me 2 more promotional checks, one with 0% APR for 8 billing cycles and the other one with 1.99%APR for 15 billing cycles.

Today, 10-07-2010, I contacted again the credit card service and spoke to Ms. R. I requested if they can apply the promotional APR that I received after my first petition. And the only thing I received was an apology! They know that my credit line right now is less than $2,500, which I don't want to use because I don't want to damage my credit. In consequence, I have to pay the interest of $121.3446 each month. Multiplied for 8 billing cycles, that was the promotion, which is equal top $970.7568.

Chase cancelled my credit card without a warning or time. I had rewards in my account and the forfeited them. This must be illegal. Illegal forfeiture of points earned for using the card.

I had a Wawa Visa card from Chase for 3 years. I have excellent credit and zero balances on all cards. I have no loans. Chase decided to close the account abruptly (probably because of the economy) and forfeited the Wawa rewards that I have earned and sitting in my account. I requested the Wawa rewards and they said no because the account is closed. I earned those rewards by purchasing gas at Wawa. They have no right in forfeiting the rewards because they closed the account. I did not owe them any balance; it is illegal to take my money that I earned. After all, they earned it from Wawa. A mitigation lawyer should take this class action law suit. Result: forfeiture of points earned from Wawa gas stations. Those points are cash to buy from Wawa.

I received a credit card from Chase in 2006. I transferred balances to the card with an interest rate of 9.24%. In 2007, I got cash advances totaling $586 plus $40 in fees. I was aware that I would have to pay 19.24% on this amount. Since then, I have paid the minimum payment every month, never late. I closed the account in 2009. My total cash advance amount is now $1388.10!

I have now been advised that none of the minimum payment goes toward the lower interest balance nor does it go toward the interest charged on this balance. Thus, I am now paying 19.24% interest on interest charges that have accrued since 2007, when I got the cash advance. I was aware that the minimum payment would not decrease the balance of the cash advance until the lower interest charges were paid. However, I was not told that the interest would simply add up and compound over time until I paid the other amount off. I feel that this is unfair credit practice, to not advise me in advance that they would be adding the interest to the balance and charging interest on the interest.

This would seem to total a much higher interest rate than advertised. Please let me know if this is legal. I have been struggling to pay off debt since 2007, when I was advised to file bankruptcy by a consumer credit counselor. I did not pay attention to this particular card because I thought the majority was only 9.24%. My other creditors worked with me reducing the interest on them. Had I realized that this was adding up so rapidly and compounding, I would have called them for assistance or tried to pay off the cash advance much earlier so it would not get this high. Please let me know if there is anything I can do to stop them from adding this up further so I can get it paid off.

I cannot access my account on line, using my password, nor can I get anyone on the phone at Chase Visa. What is going on?

In 2008 I apparently took a cash advance of $300 on my Chase credit card. I have always paid more than the minimum. My purchases are only $319 but my cash advance is now up to $846, in interest charges at 27.24%! With paying more than the minimum, surely this should have come down. Is this legal? Do I have any recourse?

I called Chase to find out why they closed my credit card account and I was told that the account was over limit. I spoke to a supervisor who retracted that. It is and was not over the limit & I have not been late in making payments. Chase told me they can close an account whenever they want to without notifying the customer. My interest rate is up to 24%. I must pay the balance on a credit card that I cannot use, but can be used by the bank for adding 24% interest each month until the balance is paid. I had no problems with the bank when it was owned by Washington Mutual, hopefully Chase Bank is being investigated for other fraudulent issues and must be stopped.

I had three Chase Visa and one Chase TJ-Max credit card. I was a few days late to pay my TJ-Max credit card (only a few days). I just forgot to pay it. A few weeks later, I received four letters from Chase. One letter was telling me, Chase was closing my TJ-Max account, the other three lowered my credit cards credit limit to 1/2 of what I had. I called and complaint but hey just did not care. A few days later, I closed all my credit cards with this bank. I also have a savings and two checking accounts that I will close, and will transfer my direct deposit to other bank. I always pay my credit cards on time. I never had any problems with Washington Mutual but very unhappy with Chase. I would not deal with this bank anymore.

A customer purchased a power supply for a neon sign and proceeded to cut off the power cord. The customer then contacted us that the power cord did not work. They were informed that as the power cord had been cut and the product altered, it could no longer be returned for replacement. If the cord had not been cut we would have replaced it, but we cannot return it to the manufacturer once it was tampered with and altered.

It is clearly stated on their invoice that warranty does not cover product that has been altered. The customer cut the power cord without authorization and at their own risk. The customer then put in a chargeback to Chase credit card claiming the product was damaged/defective. After disputing it, Chase upheld the chargeback. Sure it is damaged, the customer damaged it and now we have to pay for the customer's stupidity. Thanks Chase!

I tried to opt out on the over limit fees over a year ago with them and for doing so, I got my APR raised to the maximum penalty APR of 29.99%. So I closed my account and have been paying the maximum APR ever since they told me it would stay that way as long as I have the account. I am considering not paying on the account anymore and letting my credit go. Thank you.

I have been having trouble with Chase changing my credit card billing address. I have lived at **, Rocky Point, NY 11778 for the past 11 years, have not moved nor ever changed my address. I have explained that to them in the past (recorded conversations). They updated my address and then changed it back to PO box ** (my son's address). I now received a late payment charge because I didn't receive bill to my address (always has been and continue to be), as explained to them several times in the past. This is their problem not mine. I can not understand the customer service rep (heavy accent) and was told they can not remove the late fee. They are aware I never pay my bill late and refuse to accept responsibility that this is their mistake.

I was bill $901.52 by Princess Cruise on two separate billings. One billing was for $100 in July and $801.52 on 8/01/2010, totaling the $901.52. I was given the credit for $901.52 from Princess Cruise on 9/10/2010. I paid my Sept. statement on 9/22/2010, which was due on 9/23/2010, totaling $1210.82, which included the $901.52 that I did not owe. I have always paid my payments on time and am paid in full! I called Chase on 9/22/2010, spoke with Tracy ** and she refused to send a refund check to me of $901.52, even though I had paid that amount and did not owe it, due to the credit.

So, I asked to speak with a supervisor, so she transferred me to Robert ***, a supervisor. He also refused to send a check to me for the credit that was issued/owed to me of $901.52. I told him that it was illegal to hold/keep my money but he refused to issue a check to me and said it would be credited to my account. I informed him that I wanted a check sent to me for that amount and I did not want a credit to my account as I intend to close the account.

I also asked him to cash in my rewards $22.37 because I wanted to close my account after paying the bill in full and getting my rewards. He refused to send that amount and told me I could only redeem $20. I informed him that I had called in several times asking when and how to redeem my points and was informed by several reps. that I could redeem my points at anytime for any amount of money. He said I could only redeem in $20, $50 or $100 increments. He continued to refuse to send my refunds.

Will you please investigate this credit card company and see about getting my overpaid money and rewards money refunded to me? Thank you very much. God bless you! Sincerely and respectfully, Ms. Karen E. P. ***, R.N.

For the past year, Chase bank has reduced my available credit. I have not been late on the payments and I always pay more than the minimum due. I have not used any available credit as well. For example, I had over $2,000 of available credit and it is about $500 which reduced my credit score from 671 to 653. This has occurred while I am trying to convert my mortgage to a fixed rate.

I applied for and was issued a Chase Slate Credit Card in August of 2010 with a 0% 12-month introductory rate and a $5,500 credit limit. The beginning of September, I went online and did a balance transfer of $2,750 to pay off a Citibank balance. There was a 3% fee on that transfer.

About 10 days later I checked my Citibank balance and saw that the Chase payment had not processed. I went online to check my Chase account and discovered that the credit limit had been reduced to $1,000.00 and that no activity was listed on the account. I called customer service and a recording informed me that my balance transfer had been declined. I pushed zero and waited a long time for a customer representative to answer. When I inquired about the reduction in my credit limit and my balance transfer, the representative said something about "tight credit" and that a letter was in the mail to me and should reach me in 8 to 10 days. I asked why they had not e-mailed me. He repeated the letter speech. I told him to cancel the card. This was my first encounter with Chase Credit cards and will be my last. I find their actions to be arbitrary, without reason, and contrary to good customer relations.

The interest rate on my Citi Card balance was due to increase from 1.99% to 19.99% so I will need to find that payoff money elsewhere or pay the high interest. Moreover, I found it shocking that Chase did this without notifying me. It makes me very uneasy about other credit card companies and our economic system and protection as a whole.

The Chase Continental One Pass MasterCard has an annual $85 fee. The problem is when one wants to use the mileage points to book hotel reservations. Continental will not credit back any mileage used to book reservations if the member for some reason needs to cancel. When I called, the One Pass agent also stated that the hotel reservations are run by Travelocity, and that Continental has no control over the hotel reservations part. This is very unfair to members who are stuck in the middle being out of points and out of money (it's conflicting if they will refund any out of pocket cancelled reservation). There are far too many third parties involved with this rewards card.

The Continental One Pass agents will refer members to read the terms & conditions; however, the marketing presented by Chase makes prospective customers believe that it's strictly Continental Airlines involved. Also Chase takes no responsibility if a customer has problems with Continental; Continental takes no responsibility for their rewards as they sell them to third parties and they do not work with Chase. Bottom line is: Chase Continental One Pass MasterCard is not worth the $85 annual fee. Those Pres. Club passes and airfare discount coupons that one actually pays for with the annual fee are not worthwhile at all either as they expire and are so restrictive!

I called Chase Credit Card support to see if there was any way to lower my 18.99% interest rate. I was shocked to see that it was that high considering I have never missed a payment. And I always pay more than the minimum payment each month. Given that my balance is less than $2,000.00, I was sure there was nothing wrong with asking for a lower rate. I currently have a 9% interest rate on Discover, so why not ask Chase, right?

To my dismay, the customer "support" representative told me that due to my credit score (which is very good), she could not lower my interest rate. So, I asked her for more information. Of course, she said, "I'm sorry. I cannot give you any information regarding how we made this decision." Chase was charging me between $20-25 per month in finance charges. I transferred my balance immediately to a 0% card, now Chase won't make any money off of me. And I'm happy that I did it. They have poor customer service, lousy credit card services, and sketchy business practices. I wonder how much their executives make a year. Sionara Chase Bank - I'll be closing my savings account with you too.

I had two Chase Bank credit cards, one w/ 11% interest and the other at 16%. In July 2009, without any prior notification, my accounts were "suspended" due to the amount of credit used on each card. Mine you, I have a stable career, had never missed a payment and was I ever late. I discovered the accounts were closed when I was trying to use the card for a purchase. In November 2009, I received a letter regarding an increase in my interest rate.

I immediately called Chase and was told that if I permanently closed the account, my interest rate would remain the same until the card was paid off. I advised them to close the account and inquired about doing the same thing on my other account as well. I was advised both accounts were permanently closed and the agreement was made on my 2nd account. Two weeks ago, I realized the interest rate on my card with the highest balance was increased to 29.99%. When I called and talked to them, they said they had no record of my conversation from November '09.

I don't understand how a bank can raise the interest rate on an account that has been closed for 7 months when no payment had been missed and I was paying more than the minimum payment required. I guess that's Corporate America at its best. Chase Bank shows no mercy. All they care about is getting their money + 30%. They don't care if you've lost your job, it's all about their bottom line. They'll call at 8:00 sharp on a Sunday morning or at 8:59:59 on any given night. On occasion, they'll even called twice in one day. Isn't that harassment?

It seems like they've outsourced their collections, forcing American customers to work out terms with workers who speak very poor English. They prey on families like mine, who are now struggling financially and do what it takes to get by. As long as Congress allows banks to participate in "loan sharking" and continue eliminating domestic jobs, America will never recover from this recession.

Great job Mr. President and Madam Speaker for turning your back on middle class America. Instead of offering unlimited help to illegals in this country, maybe you should try protecting those who voted you into office (which certainly wasn't me). I'm all for private enterprise, but seriously isn't a $10M bonus paid to bank executives a little much? Stand up for the average, middle class American family. Crack down on banks and credit card companies that are raping customers of their hard earned money. I worked very hard and was very proud of my 750 credit score and for what? Just for me to watch it plummet to 560 over the course of a few months? Since my credit has already tanked, I'm fighting the battle and have stopped paying on that card until they agree to lower my interest rate back to where it was and refund the account for the fees charged due to the APR increase. We'll see how that goes.

I recently received a Chase Southwest Airlines credit card after applying for such, while awaiting a flight. The card had a $20K limit and when combined with a current Chase card, provided approximately $28K. I also have an MC from another bank with a $30K limit and an Amex Platinum card. My activity with the Chase accounts has been a combined monthly use of approximately 0% to 22% of the available credit, paid off on a monthly basis. The other MC, along with the Amex are used primarily for business. The MC has a long history of balances from $0 to $28K +/-. The Amex has had balances as high as $12K. The payment history for all cards is excellent, if not perfect.

However, Chase, after approving a $20K line on the new card less than 3 months ago just slashed the line to $1900. They also cut their other card to $3200 for a total reduction of 82%. Their reason being was high balance on my other card, the same card with a long history of fluctuating high balance. The same card with a long history of high balances being paid off. Nothing has changed from the time the account was established now. However, I fully expect Chase's actions to negatively impact my credit rating. I have immediately paid in full and canceled one of the cards. The other will be paid and canceled immediately upon reconciliation of a pending vendor credit. I have contacted my other credit card company to preempt any potential consequential damage. I am through with Chase. Their actions are irrational, unjust, and due to the anticipated damage to my credit rating negligent.

Sadly, I had to go to my family for help financially. There would be at least 5 days we didn't have money in our checking. We also had to use scraps of money around the house to get gas in our cars.

My husband called Chase several times to ask why they went behind our backs taking money without our authorization. They said basically if they didn't, they would come after us and sue us. They knew my husband had lost his job because of the economy, but they didn't care as long as they got their money from their customers. It hurts me that we have credit card companies like Chase Mastercard/Visa that have no heart or soul of wanting to try to help us in today's economy. In all, Chase ** and once we pay it off I will never do business with them again. As of 9/3/10 and last month they did it again, took money out of our account without our permission. I am the main cardholder and I never gave them permission verbally in the past 3 months. We shouldn't have to suffer because of their bad customer service. I have been emotionally in fear for providing for our family, and my anxiety attacks are increasing.

I have two Chase Visa cards. Two years ago they raised my rate on one of them to 29.9%. Last year, they cut my credit line significantly on the card that was not 29.9%. It had a rate of 12%, I think. Now I owe them almost nothing. I've paid it off. I will never use their cards again. Nice score for them. I paid $735 in interest charges in 2010 because of the rise in rates. The funny thing is that I have a secure job, make an excellent salary and have no debt any longer. So why would they act like they do not want me as a customer? Hello, AMEX. I paid ridiculous amounts of interest because they increased my interest charge for no reason. Also, they lowered my credit score by lowering my credit line.

Through Amazon.com, I took out two Chase Visas that I paid on time and in excess of the amount due. Now, for no reason that I can think of, my interest rate has been jacked-up and my credit limit dropped by $8000 on one card and $6000 on the other. I do believe this change affects my overall credit score. To add insult to injury, my minimum payments have been increased dramatically. I'm at a loss. Chase is dishonest and unethical. I not only resent Chase but also Amazon for being affiliated with such a corrupt business!

I had an account with Washington Mutual and when they closed, Chase took over the account. I was never late with a payment. After Chase got the account, they closed it and raised the interest rate to 29.24%. Now, I'm paying a minimum of $74.00 a month. The balance is $2124.27, it will take 22 years to pay off with a total cost of $7,000.00. Chase is a ripoff bank and I never will or want to do business with them again. I want to pay off the balance. Why do they need to rip me off with the 30% interest rate? I want to pay off but they are making it so hard to pay back the $2100 I do owe.

We just returned from a trip to Ireland. When I viewed my credit card statement online, I saw that we had been charged over $90 in "Foreign Transaction Fees" by Chase. Before we left on our trip, I notified Chase that we would be traveling in Ireland and not to put a hold on my account for purchases we would be making. There was no indication or other information that they charge for using the card while traveling outside the U.S. Had I known these fees would be charged, I would not have used my credit card! I contacted Chase customer service and complained about the fees, but have not heard back from them.

They closed out my account and forfeited my points for no good reason, except that I transferred my balance to another credit card. They were fine leaving my card open when I was paying them interest. I think it is terrible they took away my earned points.

I have been a Chase customer for more than 15 years, but over the past 6 months, I noticed that I've had a drop in my credit limit by about $7000. I have never paid late, and always pay over the minimum amount due. I thought with the new laws, that if you had a promotional balance(low interest), and a purchase balance(high interest), that payments would be made first to the highest balances then the lower. Yet, this month, my higher balances went up over $40.

I called and spoke to a service rep, and he suggested that I make higher payments each month. I mentioned at least 5 different times, that I thought the new law was in place to pay off the higher balances first. He mentioned that my balance is going down, and yes it is overall. My balance with higher interest has increased more than $200 dollars in 3 months, with a $40 per month increase due to interest charges. I will not have this paid off any time soon, as my balance on higher interest keeps going up. Help! Its getting harder and harder to pay the credit cards!

When our credit card was with WaMu, it had a low APR of 10.99. We were long-time customers and had an excellent payment record with no late payments. As soon as it became Chase, they raised our APR to $19.99. I called Chase to complain about the raise in APR, and their answer was that we were a bad risk, and if we didn't like it, we could close the account. In August of 2009, we experienced trouble with my husband's car.

Wanting to be pro-active, I called Customer Service to tell them of our problem, and let them know that my payment would be 6 or 7 days late, because we had to have my husband's car repaired. They said they appreciated the call and that they would note my account, and waive the late fee, which they did. Imagine my surprise, however, when I got my next statement and saw that my APR had been raised to 29.99%, and my payments had been raised to $487.00 per month. I called them right away and asked them what was going on, and they said it was because my payment had been paid late the prior month, and my agreement stated that this is what would happen if I ever paid the account late. I told them that I had called Customer Service to tell them about it, and they said not to worry and they appreciated my letting them know. They even waived the late fee. The lady I spoke to said yes, they periodically consider doing that, but it has nothing to do with their APR rules.

Chase closed one of my credit card accounts because "the balances on other cards was too high."

Between my husband and I we hold four (4) Washington Mutual now Chase credit cards. The cards had varying credit lines and balances. In January 2009, my husband became unemployed after 25 years on the job through the Laborers Union. He remains unemployed to this day. Our credit was never great but it wasn't bad either. We maintained high 600s to low 700s on average, enough for the banks to continue to increase our credit lines on a regular basis. Even after losing half our family income, we maintained our payments to every creditor. Every month was not only paid on time but paid over the minimum. This is true to this day.

After the president's plans to bail out the banks and policies and rules began to change, we noticed that every time we made a significant payment to Chase Bank towards our credit cards in an effort to lower our debt to income ratio, they would in turn lower our credit line to nearly the exact amount of our balance due.

We went through our savings, had three kids in college and one income. We borrowed against our 401k in an effort to pay down the bills so the monthly expenses would be easier to manage. With the 401k funds, I made significant payments to all our creditors, Chase, Discover, home improvement stores attempting to bring the debt to credit ratio down so we could qualify for mortgage refinance at Wells Fargo. This idea worked great with every creditor except Chase. For example, one card had a $7500 credit line, I had $6200 balance, I paid $2000 on the balance, Chase then lowered my credit line to $4500, so now I had a maxed out credit card that I didn't have before and my credit score went from 680s to 520s in one month, and the reason stated by my credit monitoring system was due to the high debt to credit line on the Chase cards.

Chase sent us letters stating that the credit lines where lowered due to random review and that we could call if we had questions. I called the number and the credit counselor tells me their decision was for my own good. They confirmed that I had never made a late payment, I had never missed a payment and that I continuously paid well over the minimum each month but they feared that with such an available line of credit that I would be tempted to use it. I asked them to look at the activity on the cards and they would see the balances did not generate overnight but over several years and that if they looked even further they'd see most of the cards hadn't been used in more than a year. I explained that I was trying to get the debt paid down so I could get the mortgage refinancing we needed. The Chase representative assured me that the lowing of my credit line would have no impact on my credit score. A 200 point drop in once month is definably a huge impact.

So now I'm upside down. I have no credit for emergencies, I have no credit score, I have no 401(k), my husband has no job, and when unemployment runs out, I will end up losing my house because I can't refinance and my home value is less than what I owe. Not one of my other creditors took this action and had Chase just left things alone my refinancing would have gone through. Now my only hope is to figure out how to get everything paid in full before I lose my house.

So much for the government's plan to help the consumer. I'm doing what I'm supposed to do, I'm meeting our obligations and still the banks have the power to destroy a family. I can't even cash out my 401(k). Had I known then what I know now, I would have filed bankruptcy on everything, at least that way I can keep my house.

This is about their unfair treatment and practices. I have two accounts with Chase that I have held for years. The accounts were good ones; with very low interest rates and at one time high credit limits that I have not gone up to. Over the past several months, Chase has systematically lowered the credit limits, raised the minimum payment, and now closed one of the accounts. Their action is despite the fact that I have always paid the account, often more than the minimum. And I even met the payment requirements when they doubled the minimum payment on one of them. I believe their practices are predatory. And they are intentionally shutting down these accounts from the "good paying" customer because they are such low interest accounts.

We feel because we are of white race that we are being discriminated against by this credit card service.

Is there not a law that just passed they have to notify the customer of any reductions? They are telling us when we call that we are an at risk account. Well, that is because we have had our credit limit lowered by them. We pay our bills. Due to them lowering our credit limit to balance, RGWT gave lowered our credit score, which in turn has made it almost impossible to get a home loan due to the credit score of 609 but is possibly lower now because of the last reduction. We paid our bill due on the 17th of this month, we were changing our bills over to our new account and found they just lowered it again. Something has to be done with the credit card services. The housing market is taking a hit because of the credit card services, especially Chase. Thank you in advance.

I have a Chase credit card with two interest rates, 11.99% (promotional introductory rate) and 21.24% current rate for purchases. I am making larger than required payments but the only amount that is shrinking is the balance with the lower interest rate which I believe is contrary to the new regulations effective in February. They raised my regular interest rate from 12.24% in January to 21.24% in February also. Their statements do not give clear information on how the payments are applied and I think I am being ripped off. I will be paying considerably higher interest rates for longer since they are not applying the excess to the balance subject to higher interest which means it will take much longer to pay off completely.

I bought a TV from Circuit City a couple of years ago with 0% interest financing until January 2011. The loan was a Chase credit card that has accrued deferred interest (if we do not pay the balance by January 2011). I noticed a disclaimer on my bill this month that says: "Beginning two billing cycles prior to expiration of a deferred interest promotion, we will apply all payments above your Minimum Payment to any expiring deferred interest balance so that you can pay them in full before the expiration date."

So in essence, I really do not have until January 2011 to pay this credit card. I have until November. If I don't pay it by November, then they will apply anything above the minimum payment to the accrued deferred interest and not my remaining balance. My accrued deferred interest is over $1,500 right now, and I owe $2,850. I think this is fraudulent, sneaky, and absolutely horrible. So if I pay the $70 or so minimum payment after November 2011, plus $1000 extra, that $1,000 will be applied to my accrued deferred interest and not my remaining balance, making it extremely difficult for me to pay off my remaining balance.

I called and talked to one of their customer service representatives who was absolutely no help whatsoever, did not know what I was talking about, and could not explain the disclaimer. I got really frustrated with his poor English and finally hung up. He kept contradicting himself and talking in circles, telling me I would not have to pay any interest if I paid before the January 2011 due date, yet they would start applying my payments to interest in November. Makes absolutely no sense whatsoever. I think Chase is a cutthroat company with no concern for its customers. I also have another Chase card with a small to zero monthly balance which I use for emergencies, and I am going to cancel it.

I had the same problems, Chase made me open two accounts due to the total. I paid the bills together. Several months later the billed a late charge stating they did not get one of the payments. As you know it fight after fight. Thank God I had the ability to transfer the debt. My advise is to go to your credit union. These days they are the only one you can trust and not have to check behind every month for evil doing by the banks in this nation.

I found out after a year of automatically paying off a balance that they raised my rate from 10.99% to 19.99%. They claim that there was a notice to opt out of the increase or stay and pay. I have no record nor do they of me getting and acknowledging a stay and pay program. I opened the account with a 0% balance transfer and then to 10.99% fixed with no expiration date. Just the norm, if you're late or don't make a payment, then the account goes to prime plus?

I was on the phone with them for over 3 hours. Got hung up on twice and no help whatsoever. I even was willing to give them more business if they would just lower my rate. I won't be paying them any more money. I may not be able to keep paying with the amount of interest they are charging and may have to file bankruptcy.

I have carried 2 credit cards with Chase/WAMU with a combined credit line of $24,000. I have made my payments on time and have been a good customer. Last week, I was able to pay off one of my cards and substantially pay down the other. I made payments of over $16,000. This week I received letters in the mail from Chase notifying me that my credit limits were being reduced by about $14,000. This is all because I paid the cards down. Not only that, the one card that I had a $12,000 balance on, which now has a $7600 balance now, has a minimum payment of $40 less than it was when it was $12,000. Is it me or does something seem wrong here? I thought I was doing what was in the best interest of my credit by paying off the cards. Now I see that I should have just kept my money and left the balance. The reduction in the credit line will negatively impact my credit report. The practices put in place by Chase are wrong and consumers should beware.

I was informed, not by Chase, but MSN that my credit card had been denied. I called Chase to find out what the problem was and I was told my account had been closed. I had been unemployed and I had Chase credit protection and they made a payment of $307 towards my card and I had spoken to a representative at Chase who said I had until Aug 23, 2010 to get a payment of $187 to them, which I did, to bring my account current. She never mentioned they would closed my account on the 18th.

Otherwise, I would have made other arrangements. I didn't get paid until the 20th of August. But Chase closed my account without notifying me. I have never been late and I have never had a problem with them until last month. I called them last month(July 2010), trying to be proactive and I made a $50 over the phone payment in July 2010 and they waived the late fee. I called Chase on Aug 7, 2010 and told them that I got a job and I would make the payment of $187 and bring my account up to date.

I called on Aug 20, 2010 only to find out Chase closed my account on the 18th of Aug. 2010 before they got the payment of $187 that would have made my account current. Chase called me a credit risk. I am employed now, and I only missed one month July 2010. I have had an account with Chase since 1998, I have never missed a payment.

Interest rate of 27.24% on an account in good standing. Predatory interest rate on a nation company. Is there nothing that can be done?

Crazy financial charges each month, so much that paying the minimum balance has no bearing on paying the account down. Clearly price inflation.

My bill was due on 8/18/10. They have a 'policy' that if you don't pay by 5pm Eastern Time by automated phone or online, your account will be credited the following day, making my payment late, and charging the standard $39 late fee. And if they deem necessary, they will increase my interest rate based on the late payment. The alternative is to pay by phone to a live person and they will credit your account the same day. But you must pay $14.95 for this 'service'. I confirmed that this service was for the transaction to take place. However, I could have taken another hour of the customer service rep's time and would not have been charged a dime. But the moment I made the payment, I was charged the $14.95.

This fee and the late fees share the same outcome - they get charged to your card, and accrue interest the following month(s). So, not only do they charge you the fee, you have to pay interest on the fee. They will not let you pay for the fee right then and there. This is highway robbery. The cutoff time for east coast customers is their actual time, while the cutoff time for west coast customers is east coast time. This is unfair and confusing to say the least. A fee is charged ($14.95) for every time you try to make a payment on-time using the phone, or when you exceed the east-coast time limit online or by automated phone.

I am being punished by Chase for complaining. It was a complaint against credit card company that is calling to harass me because I yelled at them for not doing their job. My bill did not come so I handwritten the information they needed on paper. Chase deposited my check/money in the wrong account then the representative had the nerve to tell me that my bank was lying. It was nasty.

To make things clear, I am not behind in my bills and have not been behind for 30 years. I want the calls to stop and Chase has been taking away my card because my card has been compromised and they send me another in a month or so. The thefts that I was not able to confirm was for $1, $20 from a florist, and $20 for clothes.

I was harassed and had emotional suffering.

I just received a notice that my interest rate was increased to 29.99% because my account was "up to 30 days past due. " What's interesting is that, while my payment was made after the due date, it was not 30 days past due. When I spoke to two different representatives, I was told that the only thing I could do was not use the credit card for future purchases or simply cancel it.

They were not at all interested in keeping me as a customer. I am going through a divorce and this is the only credit card I have. When I explained that I had never made a late payment in my life to them, they didn't care. When I told them about my personal situation, they told me it was of no interest to them.

I have received yet another "notice" from Chase card member service concerning my Chase (formerly Washington Mutual, formerly Providian) credit card account. The notice dated August 10, 2010, states in part, "We're writing to let you know that the percentage of your credit line that is available for cash transactions has been changed. . ." The letter further states, ". . . a maximum of 20% of your total credit line is available for cash transactions." I spoke with a CSR at Chase who informed me that this "change" affected all cardholders that were previous "WAMU" (Washington Mutual Bank) cardholders. Basically, Chase purchased WAMU's accounts, then focused on changing all the WAMU terms.

My problem with this latest change is that I no longer have usable credit since my cash advance balance exceeds my "revised" percentage. Thus rendering my credit card useless. Because this "change" takes effect immediately, I have no time to make an educated decision about this situation. I have only one Visa credit card and Chase's, and now I am without available credit. This will certainly have an instant impact on my purchases since most are by cash when on business. It is no secret why the consumer economy is not recoveringthe banks have taken the money off of the table.

My credit card was stolen and I have been on hold 3 times trying to report it. The first time, my cell phone battery went dead. The second time, I was on hold for 45 minutes and was then cut off. I am currently on hold and it has been one hour and fifteen minutes and 57 seconds and counting. I have gone on-line with no results. I have my home phone calling another Case number available on the internet and I have been on hold with this phone number for 38 minutes after being transferred twice to the wrong people. I need to report this card stolen and have no way to do it.

If someone has my card and uses it, I should not be financially responsible because I am unable to report the card stolen. I should also be reimbursed my time, trouble and cell phone minutes. At this point, I am not sure if I will be able to report the card stolen or not.

Today, August 9, 2010 I cancelled my credit card due to my total dissatisfaction with the following situation. On May 23, 2010, I made a payment of $1606 which turned out to be an overpayment for the balance of $1428.45. I was mailed out a refund check of $177.55 on May 28, 2010. I was unaware that I was being charged interest on an account that had $0 balance and ended up getting a negative report on my credit report for the late payment of $14.59. I paid this today and then cancelled my credit card right after. I am very upset that I paid the card in full...given a refund check and then charged interest. I feel this negative report on my credit should be removed immediately.

Over the past 6 months or so, Chase has changed their interest rate policy, so no matter how soon you pay your bill, interest is charged on the total amount the month before. I quickly paid off my entire bill over the course of a few months and closed my account with them. So last month, I paid off the entire balance and they still charged me interest based on the previous months balance. They are saying I owe them 20.75. I paid them 2706.33 last month. I spoke to someone there and there was nothing he could do.

I pay off my entire balance every month on my credit card and have for 5 years with this Chase card. 2 months ago, I mistakenly put the wrong amount in for payment for a bill due 7/5 on 7/2. I immediately noticed this and tried to make another payment to close the $50 dollar gap. It wouldn't let me make another payment within 3 days of each other. So I paid for the rest on the 6th. So I was charged interest on the next bill for the entire amount of the previous cycle.

On top of that, I was charged interest on the entire amount for the month after that. I make a $50 dollar short payment by accident 1 month and they charge me interest for 2 months. 1 of those months I haven't even had a chance to pay off. They are a shady bank that don't deserve my business. Spent 2 hours on the phone talking to supervisor after supervisor until I finally got my money back. I asked 3 different people why you can't make payments within 3 days of each other and got 3 completely different answers.

This account was a 0% promotional offer with Chase, recommended by the dental provider and set up online. When I received the bill for August 11, 2010, Chase had added $594.91 on 15 July without my knowledge. When I received this bill, I paid the balance in full, $2016.12, with a letter to Chase to remove the erroneous charges and close the account. Chase has cashed the check on 04 August 2010 for the balance.

Speaking with a Chase representative today, although the balance has been paid in full, Chase refuses to reverse the excess fees that Chase has added and will continue to assess interest on the erroneous fees Chase charged to the account without my knowledge. I had no knowledge of the excess fees until I received this bill for August 2010, at which time I paid the balance in full. It is my habit to pay off bills to avoid interest and would have with this account as well had I realized that Chase would renege on the 0% promotional offer, which I paid off as soon as I received this bill. I have no doubt this is just another scam directed at separating customers from their hard-earned money.

The charges remaining are those that Chase added to this account without my knowledge. I pay just my debts as I have with Chase. I will not pay erroneous fees added by the credit card company, Chase without my knowledge. Please help me. I have paid the principal on this account in full. The erroneous fees remaining are those that Chase charged without my knowledge and refuses to remove. Chase will continue to assess interest on the erroneous charges they assessed without my knowledge in the first place, $594.91 plus whatever interest Chase is adding daily.

History: I did not get a bill and I was told I was liable. The due date is July 23, 2010. Chase cashed my check on July 12, 2010 for an amount $230 via my handwritten note. Everything is okay but I get calls and they are denying that they are calling me. My caller ID does not lie. Today, I got calls from 407 on August 9, 2010 at 2:22 pm, 2:53 pm, 7:30 pm and at 7:42 pm. I called 800- and I was told that there are no records that someone called me. I called 407- and was told that I dialed an 800 number and no one called me. My caller ID is clearly marked Chase 407. I want to add that I am a communications technician for AT&T. My job is traps and traces that I have been doing for over 8 years. This is a continual phone harassment to me for a bill that Chase put into the incorrect account. Again, I was to stress that my check was cashed on July 12, 2010 when my due date is July 23, 2010.

In march 2010, my unemployment ext ran out (I'm a 99er). I contacted Chase to see if they had a program to help me. I was told no. Then I received letters about program that they have to help and a business card from A.Gordon Dennis payment assistance sup. When I called the no for help, it was in India and they had no clue about the programs. They act like a collector. On June 23, 2010 @ 6:50 p.m., I received a phone call from Chase. I explained my situation and he laughed because he thought that it was funny that I did not have a job. I'm paying Chase the best that I can with no income. They called my home over and over but they cannot tell me about the program that they have sent me information about to help consumers. Something needs to be done about this company. They will send you letter about helping but when you called you never speak to an American only someone from India or the Philippines that laugh.

I have had a Chase credit card for over 2 years. During that time, they have raised my credit limit twice. It had a final limit of 2800.00. Without notice (they claim they sent a letter), Chase reduced my credit limit to 500.00! I paid the card off on July 12th, and they "reviewed" my account and dropped the limit. I made absolutely every payment on time and this is the thanks I get! I will never have another Chase account! Took my open limit from 2800.00 to 500.00. Impacted my credit score. I find that Chase business practices are bad!

Chase Credit Card sent a new card to replace the one I've had for years. This is something called a Freedom Card which I did not request. I was told my old card is not a product they support anymore. It's more like they want to find a way around all the government restrictions by forcing me to take a new card with new onerous terms. I have never been late. I have a balance with 7.99% which obviously is too low for Chase. I received no documentation of the change in terms from the old to the Freedom so that I could compare.

The phone rep basically said there was nothing he could do about it, that I had to take it. The marketing materials included with the new card boldly promoted 5% cash back. But if you do the math, it is nowhere near 5%. This seems to be fraud in marketing and some governmental agency should hold Chase accountable. When I worked in banking, there were very real rules about how rates could be displayed and advertised. I intend to contact Sen. Dodd's office, Barney Frank's office, the Fed Reserve, and probably our state attorney general and secretary of state. This is certainly a blatant attempt to skirt the new federal regulations.

Received a Chase credit card bill that included a $1.50 minimum interest charge. I normally pay the chase bill in full but used it once for credit and then paid it in full after the second billing including all interest charges. Chase charges a minimum $1.50 interest. A charge that you can never get rid of! They charge interest for the 10 day wait period before they receive your payment. Since there is a $1.50 minimum interest charge, mathematically you can never get rid of the $1.50 monthly minimum charge ($18.00 per year). I raised hell with Chase about this and they took the $1.50 off the bill. Another solution, when you are paying off the full amount after accruing an interest charge add $1.50 to your payment. This amount will be shown as a credit at the time of the next billing and eliminate the $1.50 monthly charge.

I had a credit limit of $5,000. The interest rate was jacked up to almost 30% (29.99%) which made it hard to pay the interest down, less alone, the payment. I made a large payment to Chase of $3500, so that $1500 is left over. Then I traveled out to Reno for a seminar with my family; 4-month old, 6 years old and my fiancee. When I went to pay for the hotel, my card was declined. I called Chase to find out why and their system is down. So I used the internet at the hotel to find out what was going on. To my surprise, they lowered my credit limit. To where I only had $300 left to use after paying down the $3,500. When I called to get it resolved, the manager told me he hates to be the bad guy but he can't help me and that he was sorry that my family was in a different state without shelter or food, but he can't help.

We need some oversight for banks to control what they do and how they do it. We also need the people to unify and stop getting credit cards and getting caught under this trap of high interest rates that can't be paid down. Lowering your credit limit and then charging you over limit fees after they lowered it without informing you.

I paid my balance in full before the due date, $1413.68 and closed my account. Now they send me a bill for $18.44 in interest. I have paid off credit cards before and have never been charged if the balance was paid. They are the worst credit card ever. I am going to complain to the NYC District Attorney's Office. They are a bunch of crooks.

On a timely monthly basis, I have been making payments ($58 or $60) to Chase. Yes, my account was maxed out, but still, all my payments were made on time. With a 31.48% APR, I was unable to reduce my account balance. The ending balance amounted to $2,565.63, to which, I sent in a check on July 19th for $2,565.63, early enough to avoid late payment. On July 30th, I called the company after giving them enough time to post my payment to my account, and to close out my account.

With the balance before $2,565.63, for six months, I was unable to make purchases, or do any other transactions. It was as if I was locked in paying Chase for nothing, with a balance, that was increasing monthly. On August 6th, 2010, I received another bill for $20.32, for purchasing fee, and cash advance fee, which I think is unfair, pertaining to the fact that I have not done any transaction with Chase in the last 6 months. As for the ending result pertaining to the above complaint, the $20.32 shouldn't be billed to me in the first place, because of my closed out account. With an unfair act, I refuse to pay $20.32 to Chase. So, on your behalf, I am asking you to help me rescind the unfair charge on my account. Thank you.

My interest went up because I missed a payment by five days. Yes, this was my fault but I think a bit drastic on Chase's part. I tried to call and speak with a service representative on what I could do to get my account paid off ASAP and also reducing the interest rate. Every time I call, I am transferred to India and I speak with someone with no authority and also who is of no help at all. 10 months have gone by and I finally decided to complain on Chase's website after speaking with customer service representatives overseas and getting nowhere.

After several emails, I was finally contacted by a service representative from the United States and was given a phone number of a voice from America! They were extremely helpful and I feel like I actually accomplished something this evening. The phone number to call is ****. This is a phone number to a service person within the United States with authority and that will help you. I now have one to handle on account and hope to pay it off in a few months. I think that sending jobs overseas is hurting Chase. I think that they have one of the highest unsatisfied customers of all credit card companies and really need to look into their business practices.

Chase has elected to raise my APR to 28.95% without warning or reason. It's totally ridiculous. I pay to my card every month. There is no reason for this other than their own greed. I was originally a Washington Mutual customer before it was purchased by Chase. My card had a 9.9% APR. This is ridiculous. Chase is nothing more than a legal Mafia group.

I have not been a customer of Chase for several years now. But I am receiving Phone calls for someone completely different on my home number for about 2 years now. Mind you, I have had this same phone number for over 3 years. I keep asking them to stop calling my house looking for a person that does not live here. My answering machine also lists who resides in my house and that person's name is not listed. Since they use computers to call, they don't hear the full message on the answering machine. I find that after 2 years, they would have gotten this fixed by now but haven't. How many more complaints will it take to get this problem resolved?

I, too, can relate to the other complainants about Chase Card. They raised my interest to 29.99% and I cannot get anyone to lower it. I'm 70 years old, my balance is $4400 approximately and my balance will be paid off in 2035 if I continue to make minimum payments ($143). Good luck Chase. If I'm alive by then, I'll be glad to pay it off. My husband is disabled, I am the breadwinner so to speak. I'm 70 and still working. Where is the Federal Government when it comes to banks, insurance companies, etc.? They are ruining many lives, as I'm sure if I don't pay them my credit will be severely damaged. You know, I might even say "so what" and not continue to be raped by Chase.

With banks not lending money and no equity in my home to do a refinance, I am stuck paying Chase 29.99%. When life and finances is hard enough in this economy.

At times, I want to throw my hands up and not be responsible. I am 46 years old and have never defaulted on a debt. Can the government or someone come to the aid of the people? Regular people like me and trillions other? I pay my credit card monthly and my balance is not reducing. I am maxed out in payments and don't see me ever being able to pay this balance off like I thought I would be able to when I actually charged the charges. At that time, my interest rate was lower and my payment always reduced the balance. I feel trapped now and am contemplating letting the debt default.

A payment was sent in error to Chase Credit from my Bank of America Credit. I accidentally paid them through my Bill Pay. The account it was sent for at Chase was closed. I tried contacting Chase the day after the money was settled from my bank to them and they said they could not see the money yet and told me to call back in 2 to 3 days. In the meantime, my mother, who has the same address as me, receives a letter saying they could not find an account number under the information sent through Bill Pay so they applied it to another account she has with them. The account they were referring to in the letter was my account, which of course they could not find because it was closed.

I called Chase and asked them why they applied my money, which was clearly under my name and social security number, to one of my mother's accounts. I was told that since they could not find an open account under my name and SSN, the next step they take is to apply it to an account based on the address. I feel this should be illegal. What if I moved and someone was living there. This payment was posted to my mother's account on July 13, 2010 and I have been calling since that day and I still don't have my money. I have been told something different every time I call. Is there a legal course of action I can take or can someone checks and see if it is in fact illegal to apply a payment based on the address? If not, the account is located under the name or SSN? They payment was for $440 which has caused me to be short on payments for other bills. It has been nearly a month and I still can't get a straight answer.

After months of trying to get Chase Bank to lower my interest rate on the credit cards they took over from Washington Mutual, and getting a no answer each time I called, I have paid off the cards, and want nothing more to do with Chase Bank. Last week, to my utter amazement, I got a phone call at my place of employment from Lana at Chase Bank. Lana wants to know, since Chase Bank and I have such a good relationship, if I would like to open a Chase checking account.

Relationship? And a call at my place of employment? Is Chase that desperate for clients? And if so, why are they treating so many of their good customers so horribly? I did ask Lana's branch back to speak with her supervisor, who assured me this would never happen again, but the more I think about it, the more upset I become, that this happened at all. This could have caused me to lose my job. Is it legal for Chase to call me at work to solicit like this?

No action was taken against me, but it could have been, and that is what has frightened me and made me very angry. Why do the banks think they can treat people this way, with no regard for them at all?

These 2 credit card companies on almost the same day arbitrarily lowered my credit card limits to the balance I owed them, which in all cases I had reduced by 30% since the start of the financial crises when every bank seemed to be doing so. I have never been late on any payments in my life (I am 65) and nothing has changed in my financial picture other than obtaining a reverse mortgage so that I could pay off my cards even faster. Two of them are business credit cards and not having this credit available is extremely troubling in these uncertain times.

One of the cards was a Southwest branded card that I always pay off in full every month and had a limit of $10000 which they lowered to $2000. I cannot go on any business trips or conventions because that limit will not allow me to even check into a hotel. I made calls to them and could get no good explanation other than they felt I had too much available credit with Chase. They happen to hold the mortgage and business credit line on my business premises.

It is unconscionable that they can affect my credit score when I make more than the minimum payment on all my accounts. They should only be able to do this if I become late on a payment. Now it looks like I have maxed out all of my cards when that was not the case before they did this. There must be something that can be done about this abuse. They are nothing more than crooks. No wonder small businesses are struggling. We can never survive if we cannot count on a certain amount of credit without having the rules changed in the middle of the game for no reason. I used to have a credit score in the 800 and now I am who knows where. When I ordered a copy of my report it stated "There are no negative items" and every account showed "Never been Late" on them. Please help those of us who pay our bills no matter what. We are the only ones who can keep this economy going. Everyone else has been ruined or were deadbeats to begin with.

Chase is offering a program to receive 5% cash back on certain purchases at different times of the year. For April 2010-June 2010, you could have received 5% cash back on home improvements, lawn and garden, home furnishings, and drugstore purchases. I called and enrolled in this program and proceeded to purchase two beds, a dresser, and a nightstand.

When I got my bill, I noticed I only received 1% cash back for these purchases. I called Chase. The person I spoke with said I wasn't enrolled and she didn't see the program offering 5% cash back on these purchases (I still have the letter sent to me stating otherwise). She also stated that she would enroll me in the July-September 5% cash back program, and she would forward my concern to Cardmember Services.

Today, I received a letter stating my account is not eligible due to the account not being enrolled until after June 14 (I enrolled in May). They also stated they do not show purchases that would qualify for the cash back. This feels like a case of "bait-and-switch."

I had Washington Mutual and Chase Bank took over so as of Jan 2010, they raised my interest rate to so high I can't get it paid off on my credit card. I am trying to pay this card off but it is hard. I do not remember getting anything saying they would. Well, I have never missed a payment and I am doing my banking on line and I guess I forgot one payment. One payment. They called me 2 days after it was due. I did not believe them so I wanted to check my bank account because I was sure I paid it. I could not find it but could not find my statement. I told them on the phone I forgot it but would check and would pay as soon as I could but it said it was due 8/23.

Well, they called me at home again on my cell, then the next day at work on my cell. Now, this time I said quit calling me. I just forgot one payment and they sent my first letter. Well, they called me on my work number and I again told them to quit which this time I am angry and told me that I would get a lawyer. Stop calling. I had till the 23 and I just forgot to make one payment. Well, I pay the thing the next day, two whole payments with $40 late fee, within 2 days by the 30 and it was not due till the 23 of the next month.

Well, I got another letter threatening me with collections for one miss payment. One missed payment. So I called them and they said it was ok and I told me, ''No it is not okay you have harassed me for one forgot payment within 7 days and called me over and over when I told them not to.'' They were rude and said, ''well than make your payments.'' I am taking a loan out and paying them off. I only owe 1200 but this company is rude, nasty and harassed me for one forgot payment that I paid in full within days of their call even through the statement said I had till 23 of August. 4 phone calls and two letters within a few days.

This month, I received a letter from Chase canceling my credit card. My credit record is in the highest category of credit ratings. In my 24 years of credit history, I have never missed a payment, and I never had a late payment on any credit card or loan. I have had this credit card for years (my United Mileage card). This year, I have been making payments significantly above the minimum payment on all my credit cards and have been bringing my balances down. I had 2 years left on the card before being issued a new one.

If they cancel my credit card, it will appear as a negative item on my credit report, which could cause other credit card companies to reduce my credit or close down accounts, creating a potentially very negative situation for me. How can they do this when my credit is spotless? What can I do about this?

I just got the new Chase Slate Credit card with a small $4500 credit limit that offered a 0% balance transfer. So I transferred a balance. They told me I could transfer other balances as well. I used it for groceries, travel expenses, cash advances and bill payment. They reduced my credit to $2000 without notification, saying that my debt ratio did not warrant the $4500 originally issued. My debt ratio is almost zero now, however, at the time my debt ratio was the same debt ratio they claim when they originally issued me the card. They did not tell me they were reducing my credit limit.

I was at the drugstore and my credit was denied. I went to the dentist and tried to pay with the Slate Card and that was denied. I was embarrassed to say the least. Then I called Chase, it was then they proceeded to let me know about how they reduced my credit limit to $2000. I just closed a Chase Freedom Card with over a $25000 credit limit with them. When I asked them why they did this, they proceeded to ask why I took out a $300 cash advance and what did I spend it on? Unbelievable. The expenditure was for travel, but I can't believe they even asked me that question. I will never do business with Chase again. This was obviously a ruse to get you to do a balance transfer, charge you the transfer fee then reduce your credit to bill without notification.

WaMu/Chase card have never been late on this account, since I have had for 4 years. Somehow, I missed a payment and noticed it on my bill. They charged a late fee of $39.00. I called and talk to a so-called supervisor who refused to help at all and said that it's not in their policy to help with late payments. With every other bank or card, when you are late, they will help with the late fees, except Chase.

They have no problem taking the customers money, and taking the handout the government has given them. God forbid, they help the consumers. I feel like filing bankruptcy, just so I could avoid paying just them. They should be ashamed of their selves.

The rate increased from 13 to 22 began in January. I had no late payments, no over limit; I called in April when I realized available wasn't improving. They indicated that I was advised in October and it was too late to close the account at the old rate but if I paid $300 per month for 6 months they'd give me $200. I called again as I could find no record of this notice in any of the mailings shown online (I do all my correspondence and billing with them online) and was told that they had mailed a letter in October. There was no notice on any bills before the increase took effect.

Important news on the bills had no mention of a pending increase. A 9% jump in the interest rate without having done anything wrong is an outrage and I am now struggling to get my credit cards paid off. I opened this account with WAMU with a 13.15 rate as part of improving my credit and have worked hard to do that now for 8 years since my bankruptcy. I did not get a letter in the mail and I am reading that others did not either.

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 email 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 existed 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!

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. Instead I made it on-line the day it was due but 2 hours late (it was due 4 pm 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 contacted them again, they stated that since I didn't make full payments, 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 until 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. Unfortunately, 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.

My credit score was over 740 three months ago. Since then Chase has dropped my available credit in half causing me to be considered high risk even though I have never been late , missed a payment or had any derogatory remarks. I've recently found out my credit score is 659 due to this practice and unable to refinance a home/car or get good rates on a new loan.

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.

On July 6, 2010, I paid off the balance shown on Chase website for my credit card. The total balance paid is $1830.69. Today I received a bill from Chase for a purchase interest charge posted on July 20th (after payment was issued) for $22.97. 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 this credit card in full, there are 16 days and they charge $1.43 per day.

And it is not the amount. But the outrage I feel is 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 this charge today. But I am absolutely outraged by the unfair practices that continue to be rampant by the banks. And these banks were helped by our government bailouts because of their own irresponsible practices that went without penalty.

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 for 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 **. 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. I asked if I could get the charges credited. She told me that not even a supervisor could waive 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. I 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. I just wanted to let your office know as you are there for public support. Thank you.

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 online, there was an asterisk 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 minimum payment was and they had told me that since I am closed, they will continue to charge me interest until the 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 altogether so I may pay this off.

I 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 **, 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, and 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 her, 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. 30 percent interest is expensive when the total debt is 27K and requires another 24 months to pay off.

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!

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 ridiculous 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!

I received a letter on July 11, 2010 stating that Chase was not renewing my credit card. They stated they based this on my credit report, though when I pulled my report, the last date they checked anything on it was 11/19/09. It just so happens this card that they are not renewing was a WaMu card. I never paid late, had over $350 available, and always paid more than the minimum payment. It seems I'm now another WaMu card victim.

The address provided was provided by the representative I spoke with and was provided very quickly so I apologize if any of the information is incorrect. I had just recently noticed that the interest rates on my cards (I have 3 with chase) have increased and in some cases almost tripled with no notification. I was told by the first representative that I spoke to that they looked at my account and figured the best interest rate for me (as if somehow they were doing me a favor by increasing my interest rate).

I then asked for someone else and after asking several times I was finally able to get transferred. I was then told that I was sent out notification of this several months ago (pretty sure since I have 3 accounts and would have received 3 separate notifications I would have noticed a stack of papers from them) stating that I could either accept the rate increase or cancel my cards and remain at the same rate until I get them paid off. Not only did I not receive these notices, but even with that option, I think it is absolutely ridiculous and disgusting that they are able to raise my rate that much just like that.

Please I would like to know if anything can be done to at least stop them from doing this to other unsuspecting consumers. Especially when they like me have always been on time and always make more than the minimum payment. I am a recently widowed mom with 4 kids and times are tough and although my minimum due is low that is not what I usually pay but at this rate I will never get these cards paid off. I feel cheated and am just absolutely concerned that after all this new legislation that is supposed to help people these companies are still aloud to do this.

I have been trying to cancel my credit card for some time and all I get is a phone tree. I have had this credit card for years, paid a balance off of $12,000 and they are now charging me $29.00 per month fee. How do I cancel this? I have paid this, on time, but not happy.

I had a Chase personal credit card for many years and always paid my bill on time. Last August (2009), they raised my interest rate to some absurd amount, so I paid the entire balance on August 27, 2009 and cut up the card. Yesterday (July 19, 2010), I received a letter from Chase stating they were closing my account because there have been too many credit inquiries and some other lame excuse. I feel this will unjustly put a ding on my almost perfect credit score and I'd like this retracted. Unfortunately there is no way to get in touch with them and they keep disconnecting my phone calls to them. These banks have to stop these fraudulent practices.

I have had my card for a couple of years. I had a $2000 credit limit. I had credit protection on my Chase visa along with all my other credit cards. I have four major cards total and none were maxed out. I owed $1100 on my Chase. When I was laid off work in February 2009, my credit protection kicked in. Two months later, I received a letter stating they'd lowered my limit to $1200 due to a random credit check that they do on their customers. I had excellent credit in the mid to high 700's prior to my layoff and had to use a couple of cards to live by until EDD would kick in (three months after my layoff).

So they lowered my limit so now I became maxed out. I had about $87 available credit after that. That lowered my credit and FICO scores. Because of that, my AMEX and Discover did the same thing to me. Well, February 2010 I paid off what I owed which at this time was $900 or so. I also paid off two more credit cards, in full. You know what they did? Lowered my limit again to $500! Thank you!

Let me backtrack and say this. Before my layoffs, I paid literally 3x over the minimum payment amount. Sometimes more than that. And sometimes, I'd send a payment when I wasn't expected to, just to lower the limit. I called the first time they lowered my limit and asked why. They said because of the random credit check. It didn't make sense. They would not reverse it, said I had to give it time and call back and not be guaranteed they'd raise it. Then, when they lowered it again, I called. I told them of the unfairness. I had just paid the full amount I owed and they lowered it still?

They said they checked my credit and based on that, they lowered it. I told them if they had waited another month when we got into the 2nd quarter, they'd have seen my credit scores raise and they can raise it. I was told to call back then. I didn't because I don't want to use my card. I barely use it now because I don't trust them. But because of them and the snowball effect, my good credit score lowered drastically! I've still not recovered from that at all.

I just called Chase to see if I could get my APR lowered. I was told in no uncertain terms that the 22.24% is the lowest that can be done with this account. I made the comment, not in an angry voice, that I am glad that I have closed this account because this company used to be good. Last year, in 2009, I was laid off twice, and yet I still made my payments. I knew better than to call them to let them know. It would have been a lot worse. I was told by the CSR that they look at a variety of different things. I just recently got 2 copies of my credit report and both of them show that I am in good standing.

Hm, that's funny, if I'm in good standing, why can't I get a lower APR? I even asked the CSR if there was an address that I could write to (which I have in the past) to ask for a lower APR. My account is closed (has been since the government tried to "help" people to pay off their cards back in 2006 years ago). I chose to close the account but have continued to faithfully make payments. I am afraid that, because I made those remarks to the CSR, that when I send in the payment, it will be held past the due date.

I will have to call my bank to make sure that the check has been processed before the due date. In the past, I have made a larger payment, but used a money order for it, and I feel because I had used a money order and not a normal check, that the payment was held past the due date. And so I got hit with the late fee, and the APR being jacked.

Any time I hear of anyone going to Chase for any reason, I tell them about my experience. I can only hope that they listen to me. I've been advised in the past to get other cards and transfer over the balance. I couldn't believe that Chase was actually advocating that. I had read somewhere that because I no longer use my card and am trying to pay it off, I am considered a "deadbeat", even though they are still making some money off me with the interest rate. But because I no longer charge things on it, I'm a "deadbeat". It makes no sense.

Mr. ** was okay to deal with, but couldn't really help me. I have been receiving credit card solicitations for over 9 months and have tried on 3 occasions to get them stopped. Each time I am told it would take about 90 days for them to stop. Is there any agency I can contact to "report" them and to get them to finally get me off the mailing list?

I pay my bills on time, and regularly to Chase Credit Card Co. I paid off my debt and then received a statement with a $1.50 balance. I then called and asked why, and was told it was because I had no balance, and they charge for that. I told them that I didn't want to pay for doing the right thing, and they said okay we'll take off the charge this time. Is what they are doing legal? I would like to continue using my card, and if I don't, they may cut me off, and then it would affect my credit rating. What can be done? I am just trying to avoid a future problem for me and anyone else who may be affected.

I had 3 Chase cards, 1 that was WAMU that was taken over by Chase. In March of 2008, I had made a double payment to WAMU and I tried to get the check back for $6,800 that was scheduled for April of 2008. I begged and pleaded to let them know that I had made a mistake and I needed that back. Lo and behold, they cashed it and threw me into economic turmoil that still hasn't been resolved. I owed $49,000 to all my other creditors because I had to close my bank account to pay them back and live off my other credit cards to survive.

And to this day, I can't get a job because of my credit score that I received due to 1 event that was not taken care of by the customer service. Now, both of my accounts were closed in December of 2009. I finally got 1 of them paid off in July of 2010 and my last payment will be in August. Do I re-apply or just go on with life? I think someone in congress should propose something to delay credit reporting for 6 months for the poor people who had gotten screwed by the economy. Or I will come up with a new method of credit scoring to be more accurate and precise. I believe we all got screwed. But we go on knowing that we, the people will never get back on top like I was now I am scrounging just to get by.

I was sent a notice by mail on May 27th that my credit limit would go from $6800.00 to $3000.00 due to credit report reasons. The problem is, my balance was around $3400.00! This gave them reason to hike my interest rate from 5.65% to 27.4%. I had made one late payment due to human error but otherwise was a good customer for years. On the phone, they told me that the interest hike was due to the late payment but that it was not reported.

Is it true that Chase is not allowed to lower my credit limit below what my current balance is in order to penalize me? There was not much economic damage other than, what I consider, unfair business practice.

I have had 2 Chase credit cards for close to 10 years. Chase continued to raise the limits based on good history. Last summer, they attempted to lower the limit dramatically. So in effect, it made it appear that I was using up all available credit, which ranks poorly on credit scores. I argued and was able to save some of the available limit. My balances with Chase and other creditors was high in total than it is today. I have never been late on any payments to anyone and secured a $500K mortgage for my home with the best rate in the market due to good credit.

These Chase cards have been paid off for 6 months, and I use sporadically for small purchases to keep them active, but pay off monthly. They now have closed 1 account and lowered the limit on the other to just above the small amount due. It appears when I attempted to transfer over a small amount ($300, again to keep active), it triggered something and they claim based on a credit report, they need to close (which by the way, credit is fine as stated). My overall credit balances are lower and I continue to be in good standing in payments. There is absolutely no consistency in their methods and they are hurting a good solid citizen for no reason! I am not going to stop on this and want this to be posted and reviewed by everyone and anyone possible! What can be done? Severe affect on credit rating.

Back in 2007, I was having trouble making credit card payment as many were. I was speaking with someone who would call me at home at night and let me know what the absolute minimum was that I would need to make each month, once it was as low as $17.00.

I thought I was always talking to a WaMu person. In February of 2008, with my pay stub in my hand and the monthly not even due for another thirteen days, I went to WaMu in Bayport and tried to make a payment with cash on hand. The teller told me that my account was closed. I told her that it could not be right because here is my stub, here is my name, etc. and I told her I was speaking with someone from WaMu at night at home. This teller spoke to someone else and then told me that she sees my name on the payment stub with that account number but that account number in her system has a new person's name and my account must have been closed. The teller continued with saying that the new name on the account was not even close to my name that it was an Indian name and she would not be able to apply my cash payment to anything.

I was totally confused and felt like WaMu, at this point, was just trying to raise the amount of money I owed them by collecting higher interest. When I left the Bayport branch (and I did have someone with me going shopping for mom's birthday), the teller said that I couldn't use the credit cards any longer any way and I should call the number she wrote down on a piece of paper. I went home, called it, and it was a non-working number. I was so upset that I could not even speak. What was I suppose to do now? Have the credit card account grow out of control with interest and constant additional late charges. This was white-collar fraud in disguise.

Six months later, I started to receive past due payment stubs and calls at home. I told the caller that I no longer had a credit card account and she never called again. I assumed that the new payment notices coming in the mail would clear themselves up because I started hearing so much talk about WaMu closing and branches closing and banking bailouts and etc. Before the new payment for credit card started showing up and about eight weeks later after I made the $1,500.00 final payment, I applied for a car loan and Chase approved.

Several months into the car loan, I was contacted at work from a Chase debt collector about a payment that was days late. The caller was beyond belief. I filed a complaint against Chase. After that complaint was filed, all hell broke loose with the old WaMu credit card account. The calls at work, the calls at home, the calls to old employers, the notices left on my front door and the unbelievable amount of calls I returned that went to someone's mailbox that obviously was never heard or returned or ignored is so large, the pile of paperwork and logs I have kept could fill a box. I have a log of telephone numbers, names, and times for one day alone of twelve different numbers. I was told to call to speak to someone about this so-called credit card payment of anywhere between $400 and $800 that I supposedly owed Chase. This is while I had a car loan with them!

It is apparent to me that after I filed the complaint in New York State against the debt collector who was calling me at work, Chase's remaining debt collectors just wanted to harass me any way they could. I even went to a Chase branch and told them what was going on and they said that there was nothing they could do because they wrote the balance off. I told them that there should never had been any balance because that WaMu account was closed back in February 2008.

I still don't understand how so many collection agencies can get involved and so many collectors can call me and yet refuse to listen to the words coming out of my mouth. They tell me to call them and then the number they give has no one who answers. One woman told me that if I really made a payment of $1,500.00 then I should fax her the cancelled check. She was totally missing the whole point and she was incapable of understanding the problem started in February 2008 not June of 2009. Of course, if I didn't make a payment for a year, I would owe another $1,500.00!

I can't even begin to tell anyone how bad this is and how wrong I have been treated - especially at work and with the embarrassment of old employers looking for me. It just goes on and on. And, the funny part is everyone everywhere else did not even have to pay-off their entire amounts when they could not make their payments! My credit is ruined. My employment and morale with employer is ruined. I have been denied a loan because of this mess and there is no way for me to stop it except to hire an attorney which is impossible at this point because two of my pension payments have gone and disappeared during this time and my debt grew more and more, especially with my husband and his health from being a ground zero worker for a year after September 11th.

This is very sad what these debt collectors get away with - it is nothing but pure harassment. They truly did not want to resolve anything, neither did Chase. They just want it to go on and on and on and make demands for payments of whatever they felt they could come up with - no rhyme or reason to any of it. In fact, even more infuriating was when I spoke to Chase personnel in person, they tried to tell me that my daughter was still using her card from 2007 and that was why there was a new balance. It was an absolute lie and no one has ever come up with an amount of money I owed anyone with proof of why I owe it. I don't want to keep my auto loan with Chase. I hate having to give them more money every month. I have being associated with them and I can't wait to see what the future brings with my car loan. What are my options?

My overdraft line of credit, which I had since college and has been in good standing for about 15 years, has been closed after I made a payment in full. Keep in mind that they did not give me any notice that the account would be closed, so if I had over drafted, I would be paying some ridiculous fee. I am also aware that my dad gets better treatment when I know he pays his payments late frequently. He was just given a new credit card when my credit accounts are being slashed. This is because they know he is more likely to make a late payment and get charged high fee.

I had a very negative situation with Chase and WAMU. Had a $147,000 credit line tied to my house. It was suddenly reduced to $28,000 and I withdrew $26,000 and paid it back within three months or so and then borrowed $25,000. and paid that back within four months or so never ever late. Refinanced my home, had to pay everything off and it was about $3000 then and they closed the account. I reapplied with Chase to open it again and was denied. I have a very high credit score, never late and have income and savings to offset any loss they thought they might incur. It just irritated the hell out of me that they won't even reopen any home equity lines for me. They suck.

I had a total of $8000 in four Chase credit cards. I cashed out a CD to pay for a friend's surgery. I paid $4000 towards that $8000 debt and was only going to need $1500 of it for the procedure. Instead, less than one week after I made the payment, they closed one of the card accounts. When I called to complain about that one, they closed all the others citing first credit report and late payments; when in the years I've been with them, 99% of my so-called late payments were 1-2 past the due date. I was never 30 days late. I am not aware of any derogatory statements on my credit in the last 5 years. As a result of this, my friend's needed, not elective, surgery will have to be either postponed or canceled entirely unless I can figure out a way to get the money.

I am a chase credit holder for a long time. I haven/t used this card, so activities now are just the payment which I always pay on the 2nd of the month way ahead of the due date and pay more than the minimum amount. I just noticed that the finance charge does not change. On July statement the finance charge was $30.07, June statement $30.09 and May statement was $31.08. Is there anybody who can help or assist me on this issue. I'm retired and money is really tight. Thank you for any assistance or any business bureau can look into this.

Chase notified me that even though I have never missed a payment, or late for one (Always on time and I carry a balance but always pay above minimum.) that they were canceling a credit card of mine. That has rewards points. Not based on any negative information and they took all of my points that I supposedly "earned." This is an insult to my credit and extremely disturbing, I fancy myself on being responsible and always paying my debts this is absolutely upsetting!

They are doing it again. Last year they closed a bunch of Wamu accounts for bogus reasons, citing information they got from Experian. Lo and behold, they didn't pull a report until 7 days after their claim.

This year, after not charging anything to her card but making continuous, on time payments, Chase chopped $1100 off the credit limit of my mom's card, leaving her with less than $300 available credit. Again, they're citing bogus reports from Experian. I checked Experian, there were no inquiries from Chase.

I honestly don't know how they stay in business. And how they are allowed to continue decimating people's credit scores. If you file a complaint, make sure to send a copy to the Comptroller of the Currency. They are in charge of investigating these types of issues. Good luck!

Chase Bank/Credit Card Servicing is the worst company ever. They will cancel your cards with perfect credit, no lates just because they want to. They will tell you it's because they pulled your credit as an excuse. Be forewarned that they are dirty and have shame. I hope the bank goes under and they get sued for their shady practices and poor customer service. It can't get any worse than Chase.

I purchased travel accommodations on my Chase/United Miles credit card on 4/20/10 for $1030.60. I waited until the charges were posted to my account, then I checked online to be sure. I made a payment to my credit card on 4/25/10 for 1030.60. Knowing that the minimum payment would be applied to my balance first, of which I had a payment on 4/16 to cover this, I thought that his payment of 1030.60 would be credited toward this balance.

When I received my statement, it was not applied that way. All of the payments went toward my low interest balance transfer rather than the high interest purchase I made. I just called the credit card company and they told me that because the statement hadn't closed yet, that the payment could not be applied to existing purchases, it could only be applied to old balances so the new credit card rules don't apply in this situation and that this is the way it has always been done and that I should have waited to make my payment. I insisted on speaking to a supervisor but he refused to let me. Is this violation of the credit card rules?

Same as other posters, just received notice that Chase was cutting my credit limit based on "information" from my Experian credit report. Well, I just got my Experian credit report, and there is "no negative information." On the report, Chase even says I pay on time. So they cut my limit, which raises my debt to limit ratio, lowers my rating and I can't wait until they tell me their raising my interest rate because of what they did, not me. All because I have done nothing more than pay my debt to them. How on earth can they get away with this?

Chase lowered my credit card limit from one card 20K to 8K and an other one from 16K to 2K without notice. My balance in the first one was $2450 and the second one $ Zero. Six months later after I paid off the $2450 + interest, my both accounts was closed. My score was 776. One year later I checked my credit report and my score, I found an inaccuracy account with Chase was Charged Off, I called immediately the Chase, the agent told you have to file a dispute through to the credit reporting company.

I have never missed a payment or been late and I always paid the minimum or more, my credit score now is 640. This is going to damage my credit rating and lower my credit score even though I did absolutely nothing wrong and most of my credit limit is decreasing, and facing a high interest. After 14 years of honesty and loyalty, never been in a late payment or overdraft, the Chase is damaging my credit history because the mistake. I believe that Chase is the worst financial banking company that I cannot trust anymore and I will never do any business with them.

Today, I was thinking of using my Chase reward points and was declined. When I called Chase Card services, they told me my Chase card was cancelled because of a report they pulled from Experian. My ex-husband had his truck repossessed; I have not had any late payments, all payments were in full for the total amount. I have divorce papers showing he was responsible for that truck and it was specifically listed. Chase closed my accounts without notice. To top it all off, all my reward points from these cards are now lost and they never sent me any notice on any problem, before it was killed. When I faxed the divorce papers in explanation, I was treated like a criminal. I will vote against any politician who saves another big bank, especially JP Morgan/Chase.

Today, I started getting notices from reoccurring charges have been declined. When I called chase card services they told me all 5 of my chase cards where cancelled because of a report they pulled from experian. I have not any late payments, all payments are way over the minimum and I never had a problem before. Chase bought out the banks that I received the cards from and now they closed all my accounts without notice.To top everyone all, my reward points from these cards are now lost and they never sent me any notice on any of these cards being killed.

I tried to use my Chase credit card today, and it was declined. When I called in, they told me all 5 of my chase cards where cancelled because of a report they pulled from Experian. I have never been late. I owe them less than $5,000, and my credit is good. They forfeited all my reward points associated with one of the accounts, and I never got notice of this. When I went online to see the accounts, there was no notice of this either. I still had credit lines open. This is very frustrating, and I do not see how people who are paying their bills, have good credit, and never been late, are being thrown to the dogs based on the decision of a computer. Chase is an awful bank to work wit,h and really do not care about their customers.

United Air charged my credit card without my authorization. I tried to get Chase to remove the charge. The fraud department said they would reverse the charge, close my account and send a new card. I received the card, called to activate the card, found that the charge had not been reversed. I spoke to several people and asked for a supervisor. She told me the charge was valid because that was the way United Air did things, I had used the card to book a round trip flight and was unable to make the return flight. United Air gave parameters to meet honoring the return leg. When returning, they said that the parameters did not need to be met, everything had been taken care of.

When I got my statement, I saw they had charged a second ticket to my credit card without my permission. Chase said they could do that because I had used my card for the first flight. I told Chase that I did not give them permission, Chase said they didn't need my permission! Original round trip ticket was $377.80. Unauthorized charge was $369.51 for return flight.

I have been a customer of Chase for a long time. I have always had my 3 charge accounts on auto payments so that I don't miss a payment or be charged their fees. I recently switched banks and using the other banks check. I had made sure to change the auto payment bank info on my account; however, the bank check did not clear until the following day and bounced. As soon as I saw that the next day I paid it again to make sure there were no issues, as the funds had cleared. Well 1 month later I tried to use my card for a small purchase and it was declined.

When I called them I was switched from person to person. Finally someone came on that told me all 3 of my cards had been closed. They stated it was for 3 reasons; 1) Experian said my debt was too high 2) not enough credit available 3) return payment on 1 or more accounts. While I understand the business aspect of things, they are not understanding of a one-time thing. I also don't know how they said that they checked my credit report as I know it has increased as I just paid off a $34k loan on time.

I called them one more time today to try to see if they could re-open my accounts since this is going to negatively affect my credit big time with the closing of 3 accounts. I wish I knew how to proceed so that they can't continue to do this type of business practice. I would truly have understood if I was continuously late but regardless if my credit limit was reach or it was below I still made my payments and they were still making money off of my account. This is going to create such a drastic loss of my credit score that I now run the risk of not being able to turn my land loan, which balloons in December, into a construction loan.

I have a credit card account which was closed over a year ago because Chase advised us that there would be an increase on my interest rate. I was able to close it and still pay off the balance monthly at the original rate. I am being charged not only the interest rate, but also an annual membership fee of $98 for a card that I cannot legally use. I assume the interest rate paid is for the use of the credit card's money. What is the annual membership for? It only appears to be a way for Chase to increase my interest rate under another name.

In June 2010, I accidentally made a double payment on my Visa. Since I pay it off every month, Visa then had funds that technically belonged to me. My experience in trying to recover these funds has been overwhelming but I just refused to give up. I found most people within the company, do not know the processes so you get a different answer from almost everyone you speak to plus, they try to pass you off to someone else and then you go in la la la and and can never speak to the same person twice - they are masters at it.

They provide their name but, bank on the fact you won't write it down - but it doesn't mean anything anyway because you can never locate them again! They had promised the amount would be deposited back to my checking account (after I provided my account info) but, when I checked it wasn't there. Next day, I called and was told the request was canceled - that was probably because the night before I was put on hold, then cut off only to find out when I called back the call center was closed.

Today, after one hour on the phone and talking to 5 people, I finally was able to locate someone to help me. But, we'll see if I get my money back. During the process, I was told no manager was available and I would have to wait 24 hours for a return call. I just flat out refused to accept this stupidity. It just went on and on. I have had this card for 20+ years but they have succeeded in convincing me I need to change companies, which I am happy to comply. Good luck with Chase. Out $1,520 until I receive refund which has yet to be received.

This is regarding the changing of the due date by Chase Credit Card Services. My credit card payment was due the 28th of every month. So every 25 or 26th I logged online and make a payment. No issues. There was a last payment made before the 29th to close the account. To my surprise, the next month statement still had balance in it in addition to a ridiculous late fee. They changed the payment due date from the 29th to 21st without any prior notification. The only notification was on the statement of the last month when the final balance was paid.

In addition to the late fee, some other finance rate charge jumbo ** was added. How are consumers supposed to know of the change if they are not notified at least in a mail or e-mail well in advance around 1-2 months? This is how shoddy Chase earns its business, by changing the due date as and when they please without proper notification of the users about changes to the account. I have decided no matter what, I'll never ever do business with this ridiculous company.

I received a letter in the mail from Chase informing me that my credit card had been closed due to information obtained from Experian. They based the closing of my card on three factors from an Experian report 1. total available credit too low 2. Average length of time since accounts opening too short 3. Bankcard balance grew too fast compared to credit limit and time on file.

They closed my account even though I had 0 balance on the card and no late payments. I called and asked for more information regarding the closing of my card and they repeated what was in the letter. After some discussion they opted to keep my card open but significantly cut my credit limit. I find this action to be absolutely wrong and feel as though I am being punished for inactivity and being lied to by the credit card company.

I had been a Chase credit card user for over 3 years, and I have not missed any payments. Last month, my payment reached Chase late by 1 day, and they charged me $44 for it. I requested their CSR to reverse the fees, since this is the first time that it ever happened. But the CSR was so rigid and refused to consider. I feel the charge is outrageous, when they cannot concede even a 1-day delay in payments despite maintaining clean records for 3 years.

A balance of $90.02 was due on 5/28 and the payment was posted on 5/29 (one day late). I was charged a $39.00 late fee which they agreed to remove "as a courtesy". On 6/3, I was charged $11.22 "purchase interest charge". When I called to contest the charge, they claimed it was justified because of a "30 day billing cycle". My next bill was for $1,457.97 and was paid in full several days early, yet I was billed another $10.89 "purchase interest charge" on 7/2/10.

I called to contest the additional interest and was given some lame explanation about billing cycles. When I told them I would report it to consumer affairs the customer service rep said, "let's see if we can look into removing the charge" and then said "we cannot remove the interest because we already removed the $39.00 late fee and we can only do one adjustment every 6 months." I do not understand how they can charge $22.11 ($10.89 + $11.22) on a $90.02 balance that was paid one day late. Can you please look into this? I was severely overcharged for "purchase interest."

On June 28, 2010, I wrote a convenience check drawn on my chase credit card account in the amount of $1063.51, a sum that was less than my available credit at the time. I deposited the check in my checking account. On July 1, I found a fee on my checking account for returned deposit ($10) and confirmed that Chase had returned my convenience check unpaid. I called Chase Customer Service and the CSR informed me that my credit line had been reduced. So that's why the returned check: lack of available credit.

When I protested that I was not informed of a credit line reduction, the CSR forwarded my call to the Lending Services Department. The Lending Services Rep informed me, Chase has the right to reduce a credit line at its sole discretion. What about notice, I said. The CSR informed me that notice was given in a letter dated June 30. I deposited the original convenience check on June 28. (Some convenience!) Here it is, July, 1 and according to the CSR I got notice of a reduction in my credit line. Actually, no, the USPS is not that fast. What I did get is a $10 returned deposit fee debited from my checking account. And to add insult to injury, Chase Card Services charged me a fee for a returned check: $39. Please advise me as to what recourse I have. I am willing to take Chase to court. Thank you.

I just received a notification that Chase will be closing out my credit card account due to information obtained from Experian, listing one of these 3 reasons: high balance on account(s) compared to credit limit, credit report shows to many active bankcard accounts, and total of credit. I have had all the same accounts that I had when I got the Chase card at the time. I aslo have a $0.00 balance on my Chase card. I also checked my Experian credit report and found that Chase did not even make an inquiry to Experian. This is going to damage my credit rating and lower my credit score even though I did absolutely nothing wrong.

Check your statements. Recently, I have been attempting to pay down the principal on a Chase letter of credit (LOC). I mailed two separate checks with the statement one for the monthly fee and the other for principal balance. For the last six months, Chase would accept the minimum payment due check as is per our written contract. Even though the second check was made payable to "Chase principal reduction," the home office would credit the next month minimum due rather than full principal.

Each month, I would call or email the Chase people and it would take a minimum of two weeks to correct the amounts online. When I asked why I was charged the full minimum payment when ultimately principal was reduced, I was told "that is the way the system works." This morning, I went to the Chase local branch with my check in the amount of principal reduction. Fifteen minutes later, my online account reflected the correct amount of principal. Check your statements! If this is happening nationwide, Chase could be charging millions or billions of dollars in interest on incorrect principal balances!

I agree with every person's complaint here that Chase bank is the "scum of the earth". They think they are cool and business like with their tactics and just cutting off credit cards, lowering credit limits and charging bogus finance charges. I hope they go under and burn with their manipulative tactics. For years, I've had been 800+ FICO, never late and always paid more than min. But, recently, I decided to pay off one and just leave it. Then the business card I've had for maybe 13 years left about $300.00 balance to be paid off with a credit limit of 17K. But, then they lowered it to 10K and now they have closed the account with no real explanation.

Can you imagine? I've never missed a payment in 12 years, maybe late 2 days once or twice, but the audacity of this bank is just way beyond my comprehension. So I'm concluding if you don't have 500K in a CHASE checking account, they do not want to business with you? I have no use for them and hope they go under. I now have closed my checking account and will no longer do business with them ever. They don't deserve earning a cent interest on my deposited money. Now, I have no credit cards since one of the closed cards was originally from WAMU converted to Chase. I had a Chase card but did not use it since I had WAMU and a Chase ink business card for 13 yrs. But, whatever I hope a class action suite is filed against them for they are scum with their out of control unprofessionalism and scamming manipulative tactics.

i have a Chase credit card account. I have noticed that I am being charged a balance transfer fee every month to the tune of $150.00 each time. I have not transferred any balances or credit cards on this card. I have emailed them to ask what it is for, and to this date, I keep getting charged but no answer or refunds are in sight. Is this another way for Chase to mess with their customers? I am also being charged an interest charge, which I understand, but the balance transfer charges leave me stymied! I cannot find an explanation on their website either. Is this legal?

I have excellent Tier 1 credit with a FICO score of around 750. Two weeks ago, I leased another Lexus, when I turned in my old Lexus, just on my signature. Yesterday I received four individual letters from Chase Bank essentially lowering my credit lines on the four accounts I have with Chase, none of which were initially Chase accounts, but handed over from Washington Mutual and Best Buy, etc. For example, my Best Buy credit limit (I owe $500) was reduced from $6,000 to $900.

Another card from $13,500 to $6,700, and the fourth from $11,000 to $3,600. When I called Chase to ask why they had made such drastic cuts to my credit lines, all they referred to was a "recent review of the accounts." When I told them that that I had an outstanding credit report, the rep replied, "We don't care about credit reports" except when the account is initially applied for. After getting the run around for five minutes and treated rudely by an uncaring representative, I ended the call. I will pay those cards off, cancel them, and never again do business with Chase Bank.

I'd been with Washington Mutual since before their take over of Great Western savings and never had any reason to do business with anyone else since-until now. When Chase took over the first thing they did was cancel my credit card. I accepted the excuse they gave me but, since then they have continued to charge me interest on this card that was canceled over a year ago. I am currently at wit's end with what to do about this since every time I speak to anyone on the phone I get the same standard answer, accrued interest.How can I be accruing interest on something that is no longer in my possesion? I have sent these people three payments,40.00,48.00 and now they send me a bill for 1.00. How long can they keep doing this and what must I do to rid myself of these thieves once and for all?

I wrote a check ($5000) supplied by Chase/Speedway credit card to my daughter for education expenses with the understanding that the interest rate would be 2.99% until Aug 2011 if the check was posted before the beginning of May 2010. My daughter deposited the check in her Wachovia account on April 7, 2010. When the check showed up on my statement from Chase/Speedway they were charging me the standard rate of 18.24%.

When I called Chase/Speedway they said the check did not post until after May 1, 2010. I faxed a copy of my daughters bank statement showing the deposit well within the allowed time period but they maintained that since they did not get the check until after the promotional period expired I was stuck with the higher interest rate. I don't see how the internal working of the banks is my problem, since the check was cashed in time, but I am still stuck with the higher rate.

At this point my only recourse is to secure other funding to pay off Chase/Speedway and end my dealings with them. I will have to pay the increased cost of the higher interest rate or procure funding from another source to pay off Chase/Speedway account and end my relations with them.

Without consent Chase Card Services raised my interest rate. They sent a letter stating that if I did not call my interest rate would increase. This is unacceptable. I should have been notified on my account or called with this information. When I called to get help they explained to me that I had not missed any payments so they were unable to help me. When asked about a hardship plan I was informed that I would not ever qualify for the program. After bail out money was given to credit card companies, how can they take advantage of people trying to do the right thing and pay their bills.

On a crdit card, originally WAMU, the interest rate was raised five fold. When I called to find out what happened a very rude representative said that I had become a major risk. even though payments had all been timely and I had not applied for, nor asked for additional credit. Created additional burden on my small business, deferred needed equipment replacement and cut back on staff hours to conserve cash. Helped to increase the recession in my world.

My initial concern was whether I could have additional time to accumulate points so that I could go ahead and redeem my points, as I was only two points away from a $25 Buy.com reward.

Colleen (I requested her last name but was refused) informed me that the account was being closed due to my credit, and in addition, the product was no longer being offered. I was surprised to hear this because the letter did not state that the Buy.com product would not be offered, but she very pointedly told me that Chase does not have to inform its customers when a product would be discontinued, or when Chase makes a decision to close an account.

I know that by closing my accounts, I'll be temporarily dinging my credit score because my debt to credit ratio will increase, but credit scores can be repaired. Chase's treatment of customers is unforgivable.

I intend to keep making the minimum payment until it is paid off that way, because I know how annoying it is to Chase, for them to keep their agreements on these BTs, and they would prefer me to pay it down faster. So I never will. These people are the scum of the earth. We will never forget how they treated us when times were hard. They will never get another transaction % from me. And I know it is a waste of time to ever call them. Let's all hope they go bankrupt soon, as they so richly deserve. Lower credit score due to higher utilization % of credit (due to Chase arbitrarily lowering my limit, although I was not using their card).

Two days later, I received a late fee and interest charge of $16.00 on my account and called customer service at Chase to explain. They insisted that the charges will stand and will not be refunded as I requested. Moreover, the fee is double what was owed and is so very uncustomer friendly and completely unjustified. The company should have notified me PRIOR to the due date and there would not have been a problem. Either Chase lost my payment I mailed in or the post office lost it. There was a return address on the envelope and it was sent in the same day I received it. However, Chase is not reversing the fee in a good faith gesture since I have a valid excuse. My credit score would go down and future purchases on a home or car would cost me more. I do not even want this on my record, which I take pride in excellent rating.

I have been with this credit card company for several yrs. My interest rate is now 27% and I pay it on time monthly for more than minimum payment. Called to get lower rate and told not available. Given no options to resolve. Just refinanced my house on my good credit score of 680 without issue. I cannot pay off the amount without reducing this extraordinarily high interest rate.

He said that we had no grace period and would be charged a $39 late fee if we did not accept the $14.95 e-payment charge. I closed the account on the spot and was told that I would forfeit the cash rewards that I had accumulated. I would recommend that anyone avoid doing business with Chase at all costs. It does not appear that any of the millions of dollars Chase received from the US Federal Government's bail-out money went to improve their customer service. Lost accumulated cash rewards and on-going cash rebates for using the Visa card.

I received a bill from chase bank regarding repayment on a private student loan for $97 due on June 14th. Unfortunately I missed that date and wasn't able to pay till the 21st of June. When I contacted them, they added $100 onto the bill because my guess was I was late but it was only a week late and I believe no loan company charges $100 late fee. I have already paid them to stop the calls. What can be done about this matter?

Chase Credit Cards raised my interest rate without my knowledge. I called them when I realized the change, they agreed that they would reduce the rate to what it was before, then 30 days go by and they say sorry.. The refuse, so I cancel the card. Addtionally on my interest deposit accounts, they again make changes to the account without my consent or knowledge an start charging 25.00 each month because the account doesnt have 75000 balance.

I noticed that I had a late fee on my credit card. I hadn't used the card for several months and had an automatic payment set up with my bank. I called and spoke to one of their representatives. He was condescending and very rude. He told me that my interest rate had gone from 12.4% to 19.24% and I wasn't making the proper payment amount. I closed my account on the spot.

Well, Chase first raised my interest rate, which I accepted because I still had lots of credit left on my four cards to use in an emergency. Then, right before 2/22/10 (the day the Credit Reform Act went into place), Chase cut all my credit to what my balance was. If I knew they were going to do that, I wouldn't have accepted their rate increase and closed my accounts. Any way to screw the consumer. My credit score dropped 100 points because of their actions, through no fault of my own.

Now, under the reform law, if a due date falls on a weekend or holiday where the creditor does not accept payments by mail, they can't charge you a late fee if paid the next business day. So I paid my bill on Monday, June 14th, bill was due Sunday, June 13th, because how can a bank accept payments by mail on a Sunday if the Post Office is closed, right? According to Chase, WRONG. I opened my bill today, June 21st, Chase whacked me a $39 late fee. I called Chase today, they claim they have an agreement with the post office to get the mail on weekends. BS. I plan on investigating further. I'm done with getting screwed by the big banks.

chase found a new way to collect late fees and interest charges--they simply don't send you the bill and then charge the penalty--Really dirty rotten tactic---they got me once but I just cancelled my account rather than dealing with their new tactics

I am married with three children and self employed with little work. I believe these are illegal practice by Chase Bank. I have filed the Motion to Vacate on the basis of failure to notify. We are surviving, like most Americans, and have no cushion to fall on. This bank has ruined my business and has forced my family to extreme hardship.

We opened a credit card with Chase in 2005, in my husband's name. When the credit card was opened, he had no credit, had never had a credit card at all, etc. The limit was $500. Since opening that card with Chase, we've never been late on a payment, missed a payment or paid less than double the minimum payment at least! We even bought a house in October 2009 and he has an over 700 credit score.

In March 2010, we received a letter from Chase saying our credit card was up for renewal and they were cancelling our card. We had even turned down the option of having our credit limit increased every 6 months, because if we don't have cash for something, we usually don't buy it. After speaking to someone who barely spoke English, I was basically told she didn't know why it was cancelled, there wasn't anyone I could talk to who would and there wasn't anything they could do.

I have had a Capital One card for almost 10 years and even defaulted on it when I was 18 by basically not paying it for 6+ months and even then I wasn't cancelled. I have since made it my mission to make sure no one who knows me uses Chase for anything! They should cancel and worry about the clients that make late payments and don't pay at all, not the ones that do.

I just finished a call with Chase's Credit Card Services and they didn't answer my questions about my payment made in a Chase branch yesterday. It is still "in process". Well, the bank that I wrote my personal check from, has already cleared my check, and the funds are out of my checking account. Seems that Chase feels they can apply this payment within the next 1 to 2 days -- that was the answer from the Credit Card Services people. Their practices are very annoying. The statement says the payment is applied on that business day if it's made by 5 pm "local time". According to the phone rep, it's 5 pm Eastern Time. Why don't they put that on the back of the statement instead of "local time"?

The only answer I got was that the payment will show the date I paid it (which was yesterday and since I made it in their Branch!). Why didn't the rep in the branch say "the payment will be credited in the next day or two"? The people in the branch and the people on the phone tell you two different things. These big banks don't have any sense of what good customer service is. Especially after they got their bailouts, they simply do not care about their customers anymore!!

We used two credit cards on a recent trip to France. Chase charged us a hefty fee for the exchange and Capitol One did not. Travelors need to be aware. I called Chase and they said it was an industry norm to charge these fees. I had called them prior to the trip and they had not advised me they would charge such fees. Amounted to probably 70$ worth of fees.

Had a United card through Chase for over 10 years. My credit score is right around 800. I had paid off the balance in April (about $400) but used the card again and forgot to make a May pmt. About 15 days past the due date, my charging was suspended. I have a $41k spending limit but rarely had the balance over $500 and usually paid it off every few months. When I called them to ask about the declined charge, I was told it was suspended due to my late payment. Fair enough. I paid off the balance and canceled the card.

Two years ago, I had a Chase line of credit canceled on me (had $0 bal btw) w/o notice although I still have plenty of equity in my house. I won't wait for the 3rd strike on Chase. I will never use them again. They seem to think they can treat customers any way they choose. I guess they can.

So I guess being a loyal, prompt-paying customer doesn't matter anymore. I just noticed that Chase raised my APR several months back from 8.99% to 13.24%. While that alone is enough to make me furious, what's worse is that it's across the board on all future and EXISTING balances. Are you kidding me??? Must not matter to them. I told the phone rep that I'll pay the balance and cancel the card then. His reply? Simply, "Ok."

I was a Providian Credit Card holder, which became WAMU, which became Chase. I have never missed a payment,been late and always paid the minimum or more.

When Chase took over it has been a consistant battle.I believe it begin with Capitol One cancelling my credit card for not being used, and not informing me ?? From there I believe that Chase using information supplied by the not so credible firm"Experian" lowered my credit limit and raised my interest rate. This does wonders to ones credit to debt ratio..basically, it destroys your credit!! They did this once and then again!! having conversations with them is a useless waste of time and so is computer communications which always results in a computer generated response offering their sympathies and a phone number to call again to repeat the inane process.

I notified Chase by email of my dissatisfaction with their business practices and that I would no longer continue to pay anything until something is resolved...so far I have not wanted to discuss this matter with them any further and am refusing to pay. They have me trapped,unable to search out another bank to transfer to, due to my credit rating,are imposing late charges and an increase in my interest rates...I am prepared to make an offer of comprimise just to be rid of them.

I had a nice credit card with WaMu.. reasonable intrest rate like 9 or 12%. They were taken over by Chase who promptly without cause raised the intrest rate on my previous balance of $2000, to 30%. They then proceeded to close my account. So I am left with unconscionable interest and payments with no way in hell to get out from under. I do not understand how they can raise rates on previous balance like that.

This has damaged my credit and my ability to get another account. Every time I've called to try and dispute, they completely dismiss my requests. When I have the card paid off and the economy has picked up, I will not return to Chase. They are losing so many customers by their horrible treatment. They've totally taken advantage of the downturn of the economy by their opportunistic tactics. It's despicable.

Today, 6/14/2010, received in the mail from Chase Credit Cards a statement stating my Visa (opened 1989) and Master Card (opened 1996) are cancelled due to "inactivity for the past 6 months". Then when I made a call to their "credit/lending" dept, they said they would review and attempt to reopen my accounts. However, instead of using the originally reason to cancel my accounts, Chase said they will not reopen my accounts because of a late fee on my accounts back in 2004. Huh? They said they reserve the right to go back and review the entire history of the account.

6-13-2010 I adtempted to buy gas with my CHASE card.It was refused. Does that mean I should discard my CHASE card?

Chase calls me 3-4 a week and hangs up when I pick up the phone. This has been going on for months. I opened a credit card with them that had an introductory interest rate of 0% for 12 months and a credit limit of $5000. The only reason I opened this card was so that I could leverage the money I spend on every day purchases to pay down my student loans and decrease the amount of interest paid. I have never been late on a payment and have a credit score over 700. When I hit a balance of $2,730. They sent me a letter stating that they ran a credit check on me and were dropping my available credit to $2,800, b/c I had "an insufficient credit history."

I called them told them that their reasoning was illogical, why decrease my credit limit now b/c of an insufficient credit history, yet initially give me a higher balance when I opened my account and had less of a credit history. In reality this is a form of predatory lending, they try to force their customers in penalties so they can charge them fees, ruin their credit and jack up their interest rates.

They are a horrible company and no one should trust them with their finances. Hopefully a lawyer out there will research if their actions are illegal and hit them with a class action lawsuit. My credit hit the upper limit on this card, bring down my credit score. They run continuous credit checks on my decreasing my credit score by 5 points each time. Their calls distract me a work and are made for no other reason than to harass me.

We are very dissatisfied with Chase, We apply for a card from amazon.com and never sent the statement, We called many time to amazon about the statement, but they do not know any about my orders and my statement. Now Chase sent me a letter to pay them exorbitant interest and payments. Now Chase is bothering to telephone all the time for us to pay. I never applied to Chase credit card. I applied to amazon, this situation is horrible, I want to pay, but I do not need to pay the interest that has been generated by the irresponsibility of chase.

I was current on all my debt, and had been with only a couple late pays over the years caused by my paying a bill online, on or before the due date, which happen to land on a weekend. When Obama announced plans to reign in lenders, Chase was the first to review my accounts and decide I was over extended. So, they reduced my available credit to the amount I had out. The act of reducing my credit lines, set up red flags to other creditors.

Now that my credit lines were "maxed" out, that further underscored my being over extended, and they began raising my interest rates. More red flags. My rates went from 0-7% to 24.99-29.99%! Because of what Chase was doing, my other creditors followed their lead. Because of this, Chase actually shot themselves in the foot. I was about 2 weeks away from closing on a line of credit that would have allowed me to pay off all my revolving credit, while locking in a low interest rate. But the lender saw my credit score start doing funny things, and backed out. So, now I have maxed out cards with maxed out interest rates. My cash flow was completely destroyed, forcing me to default.

Oh, and now that I have had to stop paying, and my creditors reduced my lines to the amounts out, the late fees they are charging have caused my accounts to go over the available limits. Not only are they charging me late fees, but over limits fees. Had they not panicked with Obama's announcement, I would have paid their credit lines off. Now I'm in default all over the place, and spend a good part of each day fielding calls from lenders, creditors etc - it's practically a full time job.

I feel I have been punished for using the credit they made available to me - I never asked for credit increases. They increased my available credit over the years because of my excellent credit and pay history. I have to assume they used their extensive resources to do their due diligence on me before offering me credit, yet they forced me into default, and now want to hold me totally accountable. OK - I should be held accountable, but they need to be held accountable too. Their actions forced me into default.

Their actions in reducing my available credit and hiking my interest rates forced me to default, not only on my Chase accounts, but all my revolving credit lines. I am now looking at bankruptcy to resolve these issues. And these creditors, and debt collectors are systematically harrassing me. They have called my wife at work, they have called me a "dead-beat," and they have called my in-laws. Acceptable banking practices have needlessly forced folks to into foreclosure, default and bankruptcy.

Called Chase a year ago trying to get my very high APR of 29.99% reduced. At the time I was told very bluntly that they would not be able to do anything for me so I swallowed that pill and continued paying my cards every month on time and usually several hundred dollars more than the min due. Mind you that I have a credit card with another company which is about 15% and my credit score is 660-705 depending on where you look. I called back today and asked again to have the rate lowered and was basically given the same response, the woman actually blamed the government over site on credit card companies as to why they are not able to reduce rates.I'm close to paying of one card and explained that to the woman and she basically said that they would be willing to allow me to cancel the card rather than lower the rate. To me that make no sense, your willing to lose a customer rather than reduce my rate. I think Chase has it backwards.

Linda L. Zambaras called me and wanted me to apply for a credit card, I said i did not want one. Linda had all my information ready and pushed the credit card app on me with no disregard. When i got denied she no longer wished to help. I needed a letter stating getting denied for a morgage. Linda was very rude at this point, Iguess there was nothing in it for anymore and she nolonger wanted to help. Linda had no right treating me like that, she called me!!! I hope she doesn't do this to everyone!!

A year ago Chase, without warning, reduced my 2 credit card limits from unlimited to 3300 (balance on card) and 10K to 1K (nothing on card). At the time I called and was told it was due to late payments which was not true. Today I received a call from a revolving charge that it got declined went online to check my account and see what happened and Chase has again reduced my limits without notice. The 3300 is now 2100 (again the balance of the card) and the 1K is now 400. From 10K to 400 on an rarely used card that is paid off in full when it is used? Unbelievable. I told the Chase employee that when all this credit card craziness settles down and they ask me to come back I will not be a returning customer.

In mid June 2009 I recieved in the mail a notice that Chase Visa would be increasing the interest rate on my card but that I could opt-out thereby closing the account and locking the interest rate. I opted out both in writing (right away) and then 2-weeks later verbally over the phone since they had still not sent a letter confirming that I had opted out. On July 9, 2009 I finally got a letter in the mail that stated the account was closed and the interest rate had been locked in.

I then received my July bill around July 20th and noticed they had almost doubled the interest rate (from 8.24% to 13.24%). I immediately called the # on the back of my card and told them that I had opted out and locked in the 8.24% and they proceeded to say that I had not opted out in time. I stated that indeed I had and they refused to acknowledge this fact and stated that they would not make the correction. I told them that I would not be making any payment until this issue was properly resolved.

I tried on many occasions to resolve this issue and this company has refused to even attempt to resolve it. As a result I refused payment and this company has ruined my credit rating. Prior to this incident I had made all payments on time for a period of ten years. I consider this to be fraud by this company.(Chase Visa). My credit rating is ruined, and now this company is taking me to court attempting to gain a judgement against me.

I am in emotional distress with this issue. I thought that settling my debt as what I did with the modification that I got will help start a new life. With the step that CHASE did in closing my account it is giving my credit history another big downward blow...how can people like me still recover if banks like CHASE is not helping.

Today I was informed by Chase that they have closed both of the credit card accounts that I have with them. I have 2 small VISA accounts with Chase; one was originally with Washington Mutual. When I opened these accounts the interest rate was < 10%, one is now at 26% and the other at 16%. I don't know when or why the rates were increased. I have made on-time payments on both of my accounts of more than the minimum payment due for the past 4 years. When I called Chase because they had been calling my house, the "account manager" said that they reviewed my account and that there was something in my credit report that indicated that I might be in some sort of financial trouble, so they closed both accounts -- effective last week - with no notification. They gave me no opportunity to keep the accounts open by paying down the balance or increasing the amount I pay each month.

I am very concerned about the impact of having 2 accounts closed on my credit score. I only have one other credit card. What if that bank also decides to close my account? How can a bank close an account that is in good standing? The "customer service" at Chase is pathetic and closing accounts in good standing is outrageous. I was told by my "account manager" that they would not consider re-opening the accounts in spite of the fact that the "account manager" confirmed that I had made regular, on-time payments of more than the minimum required payments. The only reason that they would give was that during the review, something indicated to them that I was a risk. I have no mortgage, no car payment, and I have only one other credit card, which is also an account in good standing. I have had the same job for 4 years. So I can't understand what they "saw" in my credit that indicated to them that I might be in financial trouble and if I were -- then they would have just exacerbated the situation.

I want to know what I can do in terms of reporting this treatment by Chase. I am currently working overseas and cannot just open another credit card account. In fact, since they closed 2 accounts, perhaps my credit score has taken a hit and I may not be able to open an account due to Chase's erratic treatment. Is there no criteria for fair treatment of a customer by a bank? The person I talked to at Chase didn't seem to think there was anything wrong with closing my accounts with no notice and no opportunity to remediate whatever problem they think that they have with me.

I have driven from Billings, MT to Raleigh, NC because I am going to be starting a new job in the coming days. I have been unemployed since September 2009. I planned to arive in Raleigh with my wife several days prior to my start date in order to see the area. I made a $900 payment to my Sony card account (Chase) and called to notify the company that I would be traveling across the country and would be using the card in many areas. I used the card for two days while traveling and had no problems. Then, when I reached my destination, I went to check into my extended stay hotel and my card was declined. I contacted the company and was told that they do a monthly credit check and the decision was made to reduce my credit limit by $500. I asked them what had changed on my credit report and was given a summary of the report. The information on the report has been the same since September 2009. Nothing is new and nothing has changed, other than that I made a large payment. I have perfect payment history on this card and have ben a customer for 4+ years. I was told that there was nothing they could do to remedy the situation.

My account was closed about three years ago. It had a 0 balance for about a year when my husband used the max $5K to fund his business. I waited (and waited) for the bill, which never came. 2 months later I get a call saying I was late, and during that call I paid directly via my checking account. I told them then that I never received the bill and they mailed me a copy.

A couple months later I received a letter saying they were closing my account. I was stuck at a higher rate than ideal (17.24%) and the person I talked to was neither sympathetic nor helpful. I understood from him that there is nothing I can do. A year later I called again, just to see, and found out the reason it was closed was not because of what *I* did. Apparently, the person I'd talked to recorded that I requested some sort of financial assistance or something, which triggered my account to be closed. If I had contacted them within the year and requested a review, I might have been able to reopen the account, but calling a year later is too late.

I've just been reading the complaints against Chase Credit Cards. My complaint is apparently common. I've had my Chase cards for many years, and have always paid on time, and often the full amount. Yesterday, for no reason at all, Chase lowered my credit limit from $54,000 to $20,000. I have excellent credit, so I have already acquired a credit card from another company--but one of these cards was my British Airways card, which I charged much on so that I could get the lovely air miles.

I notice in the complaints that Chase has been lowering the credit limits to just above the balance, and then not notifying the card holders who are then often startled--and sometimes without a means of lodging--when the card is suddenly refused. This might have happened to me in Europe had my banker not found out about the lower limit in a kind of accidental way. But what strikes me about these shenigans is the irrationality and desperation. These stunts are not about us--the customer. Chase is in trouble and is trying frantically to save itself--by hook or crook. That is really the only explanation for this erratic behavior.

I am a good customer from chasefreedom credit card for over many years now. Today receiving a new credit card statement notice there is a late fee charge to the account for $39.00 plus interest $2.21 because owing last month of $56.91. However, I never got the previous statement in the mail telling me I owed $56.91. I had called ChaseFreedom credit to explain about this problem not sending mail out to me yet they blame on me for not receiving it as I spoke to Mrs. Tracey E around 12:45PM PST. She clearly said she wouldnt removed the wrong late fee charge even though it is not my fault. I want to complaint of Chasefreedom fraud on late fee charge. Why would I let a $56.61 to get charge of $39 late fee with interest. That would be unreason thing to do and Chasefreedom should have take into consideration to remove but they still refused.

This sent my card payments out of control and eventually I fell behind because of the huge payments of $400 or more a month. I borrowed money from my parents to get the payments down again, but they still kept payments high. Soon my credit limit was reached and then I was penalized with overlimit fees. Since my payments went out of control, I defaulted on payment and now it has been handed to a law firm to try and receive full payment of the charges they applied.

I have been made aware that on my credit card there is NO grace period AFTER the due date

I have been a chase card customer for several years. They took over one of my cards through Washington Mutual. After some time the interest rate went from 8.99% to 24.99%. I was upset about this but not too concerned because I had a $17,000 credit limit and the card was paid off. Within the past year my limits have been decrease several times and with the other cards. This card had the most impact because my credit limit is now $600. It was lowered $16,400 in a card that was paid off and never had any late payments!!! I am extremly upset about this because my credit is now being effected. My credit score keeps going down. It has decreased almost 100 points. Chase stated to me that they can not increase the cards limits because my other cards are close to being max out. Yes they are because the card companies keep lowering my limits. My credit score used to be almost perfect (760)

Yesterday I received my monthly statement in the mail and saw I was being charged a late fee for not havig paid th eprior months bill. I called Chase Card Servies, and after holding 20 minutes explained that last months statement must of gotten lost in the mail as I never received it. I also made point of the fact that I have always paid my statements in Full and On time since I began using this card years ago. Chase refused to to acknowledge that the statement could have been lost in the mail and blamed me for not calling them to see why it did not arrive.

With all due respect, we receive various bills each month, some such as this card not necessarily each month (depending on our use)...With so much going on in life I find it hard to believe they receive phone calls from people who are home sitting waiting for their statement to arrive. So despite having always paid in full and on time, Chase Cards refused to remove the late fee charge.

They did not provide any explanation or any understanding. They simply refused to provide any costumer service at all, in fact all I got was an attitude and lecture from them. I was so disgusted by the experience I closed the account immediately and shredded my two credit cards with Chase. They will not have any future business from me.

First I need to call experian and ask why they gave report like that and then chase to restore my limit and not to close my account from June 10. Among the Biggest Banks Chase is the worst for consumers, they increased the APR before the law came into effect and suddenly closing the accounts. Since I am paying properly they dont want me as a customer. Because of Chase's limit decrease from 5000 to 1000 my score got reduced by 25 and further it will reduce my score when they close my accoutn next month. This is my oldest account

So for a $10 error genuine human error I ended up paying $39.99 that is a 390% profit for the company. Just imagine how many of us humans make similar errors and how much the companies rape their customers with this atrocious charges. There is a serious lapse in moral values in these company's that permeates down to their employees. I just hope for Ms A.'s sake that she or anyone in her family does not make the same or similar mistake with any of their credit cards

I paid my Chase Visa bill on 05.16.2010. Mailed and postmarked 05.17.2010. Payment due 05.19.2010. Chase processed check on 05.20.2010 and charged me $39.99 late fee. I called Chase on 05.28.2010 when I received the next bill and inquired about late fee. They told me it's not their fault if that is when they processed the payment they consider the payment late. I told them it was cut on 05.16 and paid as far as I was concerned on time. Told them I had been a customer for many years and that it's ridiculous if they didn't process my payment in time it should not be my fault. The gal I was speaking to told me to blame USPS! I was so outraged!

I told them I wanted to cancel my car immediately. She transferred me to someone else (male) I explained to him I want to cancel my card unless they remove the late fee that I paid on time. This guy proceeded to GIVE ME A LECTURE on how I should pay my bills well ahead of time to avoid late payments etc. (I have only one other time in 25+ years of credit have ever been late with a payment) and I have this guy lecturing me!? UNBELIEVABLE! I WAS SO UPSET. So I told him to cancel my card that I would never want to deal with Chase Bank again in my life. He then told me he will make sure the credit bureau's are contacted and he will make sure to report this.....! So I call to try to rectify or at least get some sort of explaination and end up with a lecture and a threat from Chase. I am waiting to check my credit report to see what they end up reporting. What ever happened to customer service?

Chase collected $42 in fees and interest for a $5.95 late payments ( over 700% return in a single month ). The real kicker has been the recurring $1.50 minimum interest fees that keep hitting our account on a monthly basis, even on a zero balance.

Since the new laws went into effect Chase bank is not crediting the extra payment amounts to the higher interest balances as they are now required to do. When I called them on it they refused to correct the problem and also said that in reviewing my account, in excellent shape and history my credit score is over 800, that now had to lower my credit limit. This is outrageous. Check your statements and anyone that knows of a class action suit against them for this please post.

Another example of credit card companies screwing consumers and our government is either dumb enough or acting dumb enough to let these companies get away with these rules. Now even if I cancel my credit card, my credit score will get dinged because I opened an account and then closed it! Where is the credit agency that takes points away from companies when they screw people, and if they have a low enough score, they are not allowed to do any more business and screw any more people?

I have contacted them in regard to late fees and tripling of my monthly payments. Was refused any help at all and was also refused the opportunity to speak with a supervisor. Kelly ** is Senior VP of Customer Service. Have sent a letter. No response. The economic damage to me is that due a $35 late fee my payment went from $38 to $112 then $109 then $142 and now $175.

My hardship is real, but I am weathering it with integrity and diligence. However, this particular company is not respecting my long standing relationship and seems to be marking my credit anyway it can to lock me down. 2009 balance transfer to very low interest, with stipulation of our normal interest rate if we made a late payment. Late payment occurred, but they raised our rate to 29% and started hitting the credit reports. We caught up but had a medical disability end of March for one week but paycheck delayed by a month.

I communicated the issue and kept them updated. I made a payment transfer by phone on 5/4 for $454 and on 5/5 a 30 day late fee was posted. Payment due date 5/23 $679, Balance 6006.11 + 39 Fees = 155.01 interest to new balance 6,200. Paid 454 5/4. Called Chase for remediation credit and told it was posted 30 days ago, told them again about the medical hardship and told they cannot help. Told about the interest rate impossible to meet. I was told they could not help at this time. I am looking for a way to close my business with them. It's like watering the sinkhole.

Chase lowered my credit limit to $2700 when I owe about $2000 in balance. Even though I have been paying the minimum on time every time, my credit line before was $6500. I guess the reason they do it is because they want you to pay more instead of paying the minimum every time. That's what I think the reason they lower people's credit limit. So beware, people. Be sure you are working and have money, so you can keep paying your credit with Chase.

I see I wasn't the only one. I paid the full amount of my bill as I normally do. Chase said they got the payment a few days late & charged a late fee plus interest. On next statement, the only charge on it was the late fee & interest. ** wouldn't reverse. After a very long search, I got through to executive office & ** reversed the charges but then I got a letter from them. They are lowering my credit limit. I had the card for at least a decade, seldom use it & always pay the full balance. Clearly, it's now a negative mark on my credit report & likely resulting in a lower score. This action was purely retaliatory.

I have read the comments and complaints below and I have experienced some of them myself. Chase (and others) are grossly unfair in their practices and cause damage to good credit. My theory is that they are freeing up cash by lowering our limits so they can lend at higher rates to those who don't have such good scores. Complaining here is cathartic but does nothing. The place to complain is to the Comptroller of the Currency and file your complaint there. Then you will get some action.

I originally had a Washington Mutual Credit Card that was taken over by Chase. My interest rate was immediately changed to 29%. I was paying almost 17% because I had a prior bankruptcy (due to 2 job losses in a 1-1/2 year period) and Washington Mutual was the only credit card company willing to give me a second chance. Unfortunately, I lost my job and was struggling to make my monthly payments of $212 a month on a $5,000 balance. Chase was not willing to lower my interest rate or work out any kind of lowered payment. When I mentioned that I felt they were discriminating against me for a prior bankruptcy and they wanted that noted on my account.

Later that day, I received a call from Chase's customer service department stating that they could work out an arrangement for me by closing my account and entering me into the "Balance Liquidation Program" whereby I would have my interest rate lowered to 9.9%, incur no late fees and pay on my account each month. I agreed to do this and then lost my job. Needless to say, I called to tell them the $212 payment was too high since I had not found a job at this point but they said they could not change anything because I agreed on the phone to be in this program. This was all before I realized how much my unemployment would be and the other bills I struggled to pay including my COBRA. They refused to work with me.

In fact, I technically missed a payment with them and even though in my records I am caught up, they have harassed me every day with phone calls accusing me of being late and owing twice the amount. The thing that bothers me the most is the people calling me are all in India and they do not speak English that well and have gotten rather nasty on the phone. I want to know if there is some class action lawsuit about their collection practices. I am being contacted before my due date accusing me of not making my payments and being behind. I was told that the Balance Liquidation Program was totally different than the regular credit card services so that the collection department has nothing to do with the program I am enrolled in. I feel like not paying them anything because of their attitude. I am sure they have destroyed the credit that I have been slowly building up and correcting since my bankruptcy. They will not listen to any suggestions of lowering my monthly payment or changing the due date. Any suggestions on what can be done?

I am literally being harassed by phone calls every day from Chase accusing me of being late with my payments when my due date is the 10th of each month. I just got off the phone with Chase a short time ago. There is a huge lack of communication as well as courtesy in dealing with consumers. I do not think they are following the collection laws we have in effect in the United States. I was always under the impression that you could only receive so many calls in a day but Chase is relentless with phone calls every so many minutes. I actually had to block them at one point but now they have blocked their number so it comes up on my phone as "unavailable". I make my monthly payment, that's the clincher. I am not defaulting in paying them. They are still assessing me finance charges even though the account is "closed". They are using Gestapo methods in dealing with consumers and I don't think that should be legal.

Do not ever get a Chase credit card!. They are nothing more than a scam artist. I have always paid my payments on time. In April, I mailed a payment to them 8 days before it was due. They claim they did not get it on the due date, but the following day, which was a lie. They charged me 39.00 late fee, plus interest on the late fee. I called and after talking with 3 different people, a supervisor told me they would waive the fee as I had never been late before.

Today, I received another bill, this time for the previous late fee, interest and a late fee and interest for the late fee that they were supposed to waive. I called them, and they say the notes said that the supervisor told me they were not waiving the late fee. Obviously another lie. When I told them what the supervisor told me last month that the fees would be waived, the person on the phone told me I was not telling the truth! What a bunch of idiots. Now they have lost me for a customer forever. Keep getting bills for late charges on late charges.Today, I cancelled all my Chase cards.

I had thought we were through with the tricks, traps, and games from the credit card industry after last year's stampede of interest rate hikes, account closures, end of fixed interest rates, and credit line reductions, but I was wrong. Chase is up to no good once again. After sticking me with nearly triple the minimum payment on one of my accounts, and interest rate increases on others in several rounds of account change notifications. Chase just slashed credit limits on two accounts, one with a former $15500 credit limit (with less than $1,000 balance) which is now $2500 and the other which used to be $8000 which is now $1100 (and has zero balance). Reasons: "balances owed on revolving accounts too high" and "balance too high compared to credit limit." Of course, that's nonsense.

The loss of nearly $20,000 in available credit can devastate a FICO score when the credit used vs. available ratio is adjusted. That starts the vicious cycle of other creditors penalizing you for a dropping FICO score, which then let's Chase come back at you a third time to do some more cutting because of the snowballing effect of their original actions.

It's an incredibly serious problem because good credit can affect rates for insurance, loans, employment, and more. It also adds enormous stress onto consumers who are fighting to keep their heads above water with an economy that still has not improved for most in the middle class.

I've personally been able to mitigate the damage by promptly opening a $20k credit line with my credit union, which will hopefully protect my credit utilization ratio from a parade of "customer notifications" from my other creditors.

The all-important FICO scoring system must be reformed to not punish consumers for bank decisions to reduce their exposure with credit line reductions and account closures. Unlike many banks, who either received bailouts or simply charge ludicrous interest to feather their nests, many consumers cannot simply pay off their debt and walk away from the abuse. Instead, they face potentially years of confiscatory interest charges and penalties, damaged credit, and potentially devastating consequences from a poor FICO score when they need to buy a home or get a new job.

The credit card "reform" was so riddled in loopholes thanks to the banking lobby, it merely codifies another decade of rampant customer abuse by the likes of Chase. Our recourse has always been to simply close the account and walk away, but guess what -- that act hurts your FICO score too, because FICO more highly values long-standing accounts over newly opened ones.

The one lesson I have learned is to do all of my banking with credit unions and never do new business with the big national banks. I'll cut up the Chase cards, but as long as they do not charge an annual fee, I'll keep the accounts open, until they inevitably close them for lack of use.

I had my Chase credit cards for at least 10 years and majority paid on time or paid balance in full. After my layoff and employment switch I paid on time and they lowered my limit which brought my balance to close. Then I went to use my card and they decided the other day to close it due to some reporting by an outside source. According to state of CA law, they have to give 30 day notice of intention which was not done. Also, if I am paying them on time it is none of their business what else is done out of this parameter. Since there is a privacy law for HIPPA, there should also be one for credit cards after you have them. Lowers my good credit score plus puts me out of two credit cards.

On February 24th, I made a final payment to my closed Amazon-Chase Credit Card for the amount of $1363.98. This account was already closed! After making the final payment of $1363.98 and assuming that I was finished with this account, on April 27, 2010, I received a bill for something called "residual interest" for the amount of $9.96. How can this interest accrue when I had already made the final payment on February 24, 2010 for the entire amount on my statement? After making the entire payment of $1363.98, the balance should have been $0. What is "residual interest"? This is nothing more than a scam! When a consumer receives a statement for the total amount due, and pays that total amount in full, why isn't that consumer's balance left at $0. This makes absolutely no sense to me! I went ahead and paid the amount for residual interest of $9.96., confirmation number is **. I filed a complaint with the Federal Trade Commission and the Better Business Bureau to investigate this and thousands of other complaints against Chase.

In February 2010, I paid $20 less than the full balance on my credit card. This resulted in an interest charge of $49.14 on my next statement. The complete balance on that statement was paid in full and on time including the $49.14 charge. The following month another interest charge of $33.47 was added to the balance. When I spoke with the customer service rep named above, he explained that the balance shown on my statement was not the amount the bank claimed was owed. And even if I paid the new balance due, there would be additional interest charges added to my next bill because I would have not paid the secret amount the bank wanted me to pay.

I believe that sending a statement which shows a balance due as one amount and then claiming failure to pay in full because that balance due conceals the amount of interest claimed by the bank constitutes a deceptive trade practice. How can I guess the true balance due if the bank sends a false bill and then claims a failure to pay some concealed amount?

Enough is enough. I had two Chase Credit Cards. Paid my payments on time and for more than the amount owed, every single month. Back several months ago, when all the credit card companies started to drop their credit lines, I decided to go ahead and pay off my Chase card with the $8900 credit line (which they had dropped from a higher amount) and close the account thinking this might keep them from lowering my credit line on my second card. Wrong, it appears now that as soon as I paid off my other card, they decided to drop my credit line to $400 over what I owe on the existing one. I asked them why and they said because of feedback they received from the Credit Bureau.

I have better than a good score (until they get my new credit line from Chase now) which will be at good again because of them. I don't know what is happening to the US but we have issues and I mean big ones. When you start taking advantage of your good customers and hurting them and their credit scores (which we all know affects everything from the insurance we get to the rates in mortgages) it is time to take a stance. Someone said don't close the cards because it will hurt your credit score. I wonder if they are taking into account that our credit scores are suffering as it is.

I remember not more than a year ago, I had excellent credit and now just a little above good. Ridiculous and I can't believe the American public just sits around and doesn't do anything about it. Maybe if more people closed their accounts with places like Chase and BOA we wouldn't have the issue of being taken advantage of. When I told the customer service representative I wanted to close my account before they did, she said that so long as I was using it and carried a balance on it that they wouldn't close it. Yea right! I told her that I read what is being said on a Consumer Complaint Board and I am not willing to take that chance. I am all for making my own mind up when things are going to change for me, so I closed it first and when they pick up my lowered Credit Line that I am about to get zinged on, they can go on ahead and pick up that I, the customer, closed the account and not them.

As much as it pains me to say this, it's not saying much to call myself an American citizen anymore. I am embarrassed by the garbage I see going on and how these big companies are allowed to take advantage. Sad day in the US and I don't see it getting better anytime soon. Just my two cents that in this economy amounts now to only one cents worth..sheesh! As a result of lowering my credit line again they keep causing issues with my credit score.

Excessive lending. My daughter opened a credit card account while she was a student in college. She worked part-time earning $7.65 hour, with her annual income for 2009 being filed as $6585. Her initial credit limit was $8000, which was recently increased to $11,000. Originally, I thought it was an error, but when they increased the credit limit, it obviously was not. My daughter has now graduated, and is looking for employment, but is in debt (besides her student loan) slightly over 3K, and although she has no issues with this, I do. Our children cannot afford to be targeted, and allowed to be debt stricken for bank to profit of their inexperience in credit matters. How can banks be allowed to extend credit to Children (or adults for that matter)that exceed their annual income? The credit act of 2009 addresses some of these concerns, but what about the children affected prior? Although I cannot find anything, this has to be an illegal practice.

I had a $13,000 Washington Mutual credit card. They got bought up by Chase. Chase raised the rates to near 30%. Usury laws put you in jail in Texas at over 18%---unless you are a credit card company or pay day loan outfit that can bribe the corrupt republican legislators. When I paid it to zero and kept it there, out of the blue with no notice Chase simply cancelled the entire credit line. Aside from the obvious waste of my time and effort in establishing the $13,000 line in the first place, Chase damages my credit when they take an action like that. There needs to be a law striking them down every time they do such unethical things.

Recently, another Chase credit card with a $4,500 credit line was cut without notice to only $500 because I keep it at zero owed. This again damages excellent credit. These people operate like (and for all I know they are) mafia or other underworld loan sharks and misfits. I think every Representative in Government who doesn't attack them on our behalf should be publicly noted and then voted out of office forever. Damaging an excellent credit report when the bureau report that the lender eliminated of lowered the credit line. This can create a domino effect which a person with excellent credit then gets damaged and pays much more for any credit used via other sources.

My complaint is similar to those I just read. We were formerly with Washington Mutual who just got taken over by Chase and prior to that, Home Savings of America. This has been the worst acquisition from a customer experience standpoint ever. While the website/portal is decent, their policies and how they treat customers is *terrible*. They don't understand customer loyalty. We have an excellent credit rating, have been paying customers for 20+ years, they just treat us like a herd of cattle and levy fees like there's no tomorrow, feel like extortion.

What's worse is that now our Credit Card and banking is via Chase. I'm planning on actively changing that and moving to a more customer friendly environment. There's no incentive to do business with them. Oh, and the interest fees are outrageous! By accident, we underpaid the full balance by a small amount and now I found out we will get charged for 2 months interest on the total outstanding balance. They said that all banks do this. Well, if they do, what do I have to lose if they don't value Customer Loyalty? Over this next year, I am actively looking to transition banking and credit card business to another institution.

I have always paid my Chase credit card on time, usually well before the due date. I have never gone over my credit limit of $2500. I have never used my card for cash advance. I have always paid more than the minimum due. I was shocked to learn from my latest statement that I'd been charged a total interest of $128.27 since January 1, 2010. I have not used the card in several months, just paying it off. On my statement the APR, which suddenly turned variable, went from 15% to 23.24%! I didn't care until I got my April 2010 bill. I'd paid $100 and was charged interest of $42.87 which to me meant that Chase was bilking me way beyond their own stated 23.24% APR. My monthly interest charge now averages 40% monthly even though Chase states its APR (variable) is 23.24% annually!

So I called and, after some 40 minutes and being talked down to about my managing my finances, I was told nothing could be done about it. I even asked them to lower my credit limit to remaining balance. They refused. Note that I do not question Chase's right to charge whatever APR they choose. What I cannot understand is why I am being penalized with monthly interest charges that do not square with Chase's own 23.24% APR (variable). Again, I have never gone over the limit. I have neither I even used the card to make new purchases nor have I taken out cash advances. All this is happening at a time when interest rates of all kinds have remained low or unchanged.

What are my options? Stop paying, wait until they send my account to the collection agency, and then negotiate with the collection agency for better deal? At this point, I do not really care about my credit rating which is good-excellent. I just want to get out of debt in a fair and reasonable manner.

Raised my interest rate to 27.24% on one card. On my 2nd card to 24.24%. My cards were on auto pay, so always on time. They say they have a freeze, yeah right! They give people who are late on payments 2% interest and take advantage of people paying on time. It is unbelievable what is happening in our country. I plan to pay these off and never use Chase or American Express ever again!

Received statement, was assessed interest charges and a late fee of $39. I have excellent credit rating. Called and requested a courtesy removal since I normally pay on time and the payment was received on the 14th in lieu of the 13th but the statement cycle was not even closed. Asked to dispute the charges and said no. Asked for manager and said no. It was policy that they waive no courtesy charges. Refused to allow me to speak with a manager. I have been a client since early 90's. Said I could sign up for online payment, draft or pay via phone. This is not for me. Not comfortable with that at all. Needless to say, I will be using my other credit card and then cancel this one soon. At least as soon as it is replaced with another card at the same values. I pay my charges off every month and they evidently do not value a good customer.

Time involved with applying, getting new card and then also getting a secondary card with another company so that it will not affect my credit scores.

I have a Visa credit card account through JP Morgan Chase. Believe me, I have many friends that have closed accounts with Chase because of how they conduct business. When I would hear their stories, I told myself that I would never do any type of business with Chase. If you hear a negative statement about a company from one or two people, you typically do not take their word for batum because the number is too low, but when you are constantly hearing this from a large number of consumers, you tend to say to yourself, this must be true so you believe it and not do business with that company. Well, I got stuck with Chase when I originally held my Visa credit card account with WaMu (Washington Mutual). I received a letter from Chase stating that on March 9, 2009, consumer accounts will be converted into a Chase credit card. Needless to say, I was not happy at all, but I kept the account open.

Today, I experienced what many consumers have complained about. I had a balance on my account and my due date was 4/19/10. On 4/8/10, I paid my account off in full. Today I received my new statement and Chase is charging me "interest" of $12.37. I looked at the date of the interest being charged and it is 4/22/10, exactly ten (10) business days after I have paid my account in full and three (3) days "after" my due date. I immediately called Chase to ask how they can charge me interest when I have paid my account in full and prior to the due date. Chloe, the customer service representative started telling me about the daily periodic rate. Because I was so angered, I told her that I want a supervisor. I then spoke to Kim (male) and he is telling me the same thing. I told him that they are money hungry and are ripping their customers off by conducting business in this manner and told him that I refuse to pay. This is "shady" business practices. I told him I understand charging interest on remaining balances "after" the due date, but not when the balance has been paid in full and "prior" to the due date. I also stated that Chase is the only credit card company that I have that does this. I have four (4) other credit card accounts and none of them charge interest if the account is paid in full prior to the due date. I have never been charged interest after I have paid the balance off, only Chase is doing this.

I read the reviews of other customers with Chase and their dissatisfaction with Chase also. One customer has filed a complaint on Chase and others have closed/closing their account(s). I am also filing a complaint against JP Morgan Chase. I am a Christian woman and I know that God will handle situations in his own time. All things done in the dark will eventually come to light. Chase can continue to do a disservice to consumers, but eventually, you will reap what you sow (tenfold). You need to be careful how you treat people. Neither Chloe nor Kim were willing to remove the charge or cared about keeping me as a valued customer. Money is the root of all evil and that's all that companies care about (is the mighty dollar and not people). I really don't want to pay the interest because I know it's not right, but they get over because if you refuse to pay, the consumer loses because it will go against your credit. But that's okay because what goes around, comes around sooner or later and every dog has his day, all in God's time.

My husband was out of work and I was having financial difficulty. I was unable to pay my Chase account for several months. I called Chase to try to settle with them for a fair amount. They refused to settle. So I took out a loan on my 401(k) and paid the account off. My statement showed a balance of $9,920.33 with a payment due date of 02/17/10. I paid the balance in full on 2/04/10.

I received a phone call from a Chase representative on 04/08/10, who informed me that my account was past due in the amount of $108.69. I asked how I could be past due if I paid the account off in full before the payment due date. She informed me that there were finance charges of $91.52 and a late fee of $15.00 on the balance I had already paid off.

I disputed the charges but she insisted that I owed them. So I agreed to pay the $108.69 via phone with her assurance I would not be charged any more fees. On 4/28, I received a notice that my statement was available for viewing. So I logged in and lo and behold, I have been charged $1.50 in interest charges. I phoned Chase and informed them that on 4/8/10, I was told I would have no further charges on my account. The representative was extremely rude and told me that it was because I didn't pay the past due amount before the cut-off date and that she would waive the charge as a courtesy.

What happened to the first courtesy? I have been under tremendous stress during this financial difficulty and was struggling to pay my bills. I make a good faith settlement offer but they refused to accept it and continued to charge me interest even after I paid the account off. I believe they are abusing the Fair Credit Acts by charging bogus fees and interest.

After paying $4,000 off my Chase credit card, I received a notification front mint.com informing me that my APR had jumped to 30%. I never received notification from Chase (though they claimed they sent me a notice, which seems like a lie seeing as 4 different reps gave me 4 different mailing dates). Why did my APR jump to 30%? My payment was 3 days late. The first late payment I have made in 6 years. The customer service reps, both on the phone and via e-mail, have been incredibly unhelpful. All they do is spout corporate drivel and read from their script. I have now been waiting on a call back for over a week.

Chase lies and lies. I refuse to believe that they cannot review my account for another 6 months. What? Is there a 10 month total wait time? I previously worked for a credit card company and I know full well that that is not true. You know what you do? You go into a program that looks a lot like DOS and you change the APR. That is so hard. It's a good thing they spend so much time training these people. Ha! Consequences, well, for me, anger for them? Well, I'm prepared to find phone numbers of everyone in their corporate headquarters and I've been meaning to take a road trip. I may just show up at their door.

Chase lowered all my credit accounts to right above the balances. This is ruining my credit score. I never missed a payment or have been late on any of my credit. They stated I have too much credit. If they are getting paid every month, what does it matter? The customer services representative doesn't care. I called about two accounts. Before the conversation was over, she said she will be lowering all my accounts.

Most of my accounts were transferred from WaMu and Bank One to them. I would have never been a Chase customer if my accounts weren't transferred. This is what I get for being a very good customer, nothing in return. I have a decent credit score, but now Chase will ruin it by lowering all my credit line to right about my balances. This will be hardship to me and my family. I have worked so hard to keep my credit score decent just to have Chase destroy me.

Thanks Chase. I was on a trip to drop off my daughter in Arkansas and I knew I had over $4k in available credit on my Chase #1 card which I had over $8k in credit on. I also had Chase #2 card which had over $3k on it. During my trip I had used my #1 card once when all of a sudden, I received an email notice to my Blackberry that my credit line has fallen below $1000. I almost had a coronary and went into a panic attack.

To my surprise and without any notice, I was stranded without any credit line on both my cards and was left with a credit line on both cards with barely enough to charge a lunch or pay for gas on the trip, which would have resulted in over the limit fees. Chase screwed me big time. Here I was with $13k in credit with them, never paid late, always paid down my cards fast and hard, with a credit score of 747 and Chase totally screwed me over. Today I closed both cards and decided they should continue to fall with the recession and hopefully others will follow suit in damaging this company financially. Shame on Chase!

I went to call Chase because my interest on my card had gone up to 27.74% from a previous rate of less than 10% and I wanted to request that my account be reviewed and my interest be lowered, as I recently received an offer from a competing company for a much lower interest rate. I had assumed the reason for the increase was due to an error on the part of their automated payment system in which the payment did not process until after the weekend of my payment due date.

Upon my call being answered, the representative acted annoyed at the fact that I was even calling. Once I politely asked if it were possible to have my account reviewed and my interest reduced, their representative's answer was simply, "No" followed by a long pause, which I assumed was him preparing an answer, wrong. When I requested an explanation I was simply told that, "We no longer lower interest rates." So, what I have gathered from my wonderful interactions is that Chase is now only out to take as much money as they can, with no regard to what customers request or want from them as a banking organization.

I also received a letter from JP Morgan, Chase Bank regarding the closing of my account on February 25, 2010. Here is why I believe they closed my account and I am not sure if anyone has had the same situation. I was recently unemployed since February 12, 2010 and I called Chase Bank to see if I can go through their hardship program since I lost my employment. This will help lower my interest from a 29.99% to 6%, paying monthly $86 vs. $150. Well, because my UI benefits was not enough, they said I did not qualify for a hardship, I would need to go to their credit counseling agency to lower my interest.

I let them know. I'm not interested in going through their credit counseling agency to lower my interest on only one credit card account. I paid all of my other accounts. First, this would ruin my credit by closing all my credit cards just because of Chase. Second, they want me to go through their agency because I'm sure, just like many other CCA's, they would charge me a fee. The money goes right back to Chase so they do not have much to lose. Since I did not accept their terms and looked for an alternative, a week later, I received a letter from Chase stating they closed my account!

How convenient. They locked me in at a 29.99% interest rate and they also made a negative impact on my credit report by closed account by grantor'. Not Good! I am filing a complaint with the Controller of Currency since this is a federal bank. This is the correct way of filing a complaint against big banks like Chase who continually take advantage of systems that work to their interest. If many of us share our frustrations concerning Chase, there just might be something the Government can do about it!

I negotiated a settlement with Chase because they had deducted the money from my account in January of 2010. I received a statement showing a past due balance and started getting calls. When I spoke to Chase, they informed me that they don't show any paperwork for a settlement and the payment was applied to my original balance. Unbelievable!

I asked for my account to be reviewed along with recorded phone conversations (as I was told before each conversation). Then they told me that I didn't pay the settlement before a certain due date. They were provided with my bank account number and routing number because they had to deduct the payment themselves. When I was scheduling the payment and date, I was not told anything about this. I'm not sure what I can do at this point. I refuse to pay considering such a lie on their end. Help!

The company will not accept payments for a credit card bill, even though it is under $3,000. What I find more interesting on this matter is when we do pay the card monthly fee, APR is jacked up so high and those same monthly payments will go up with it. So it begs the question, what the heck is the point of Chase doing this? Are they that desperate in keeping customers that they need to constantly raise the APR to prevent them from paying off a card?

I am a full-time student, and my husband works full-time. It is very difficult as it is, but the bill could be paid. However, because Chase has continued this bad business practice, it has made our lives miserable. I am constantly hearing the phone ring at night while I am trying to study. There has been reps who call well past the time of 9pm, and they have done this twice now. That is very upsetting. I get phone calls from this company seven times a day. Not only that, there are three different numbers that are used from the same company to trick us into thinking it is someone else but it is the same company. That is false and very misleading.

3) or threaten legal action.

I received a letter about dropping my credit line from $3750 to $500 USD. I never missed a payment, and I have been with them for over 10 years. My credit score is 700. They bought out previously my WaMu before Providian. Chase's reason for dropping line of credit to $500 USD was low usage (not credit score or missed payments, never carried a balance). I used it for a cell phone payment every month. They could not define to me what "low usage" means, let alone what "good usage" is.

I told them now the economy is getting better, I wanted to purchase a new HD LCD TV. Not now, and these bad companies hurt the economy by hogging credit. Nowhere does it say in the "terms of agreement" that I must have a minimum usage per time period defined somehow. This lost of line of credit affects your overall credit score. Quite the *** criminals they are. I wish I had a lawyer to sue them for breach of contract. Valued customer for over 13 years... Yeah right. They are dirty thieves.

Thank You. Loss of reward points valued at 150.00 dollars.

Chase is sneakily changing fixed rates on credit cards to high variable rates. Been a customer for ten years, and when I called I was appalled by the horrible customer service. Dustin actually laughed at me stating, "Don't you watch the news, you really mean to tell me you didn't know about this." Chase customer service used to be superior. I still don't understand how they can change a fixed rate to a variable one. I cannot express how poor the customer service was and getting the name of someone to write to was like pulling teeth.

They say I can write to Deborah - 2500 Westfield Drive, Elgin, IL 60124, but they said, "Don't expect to get a different answer." I am going to write to her today and I still can't believe Chase has turned into this type of company. If they will not work with me, I'm gonna pay off as soon as I can and never take a Chase Card again. Ten years and great credit. I'm also going to warn as many people as possible. There are a couple thousand in my company alone and I'm going to post a notice on our intranet bulletin board as soon as possible. Let's hope Deborah has a better answer, if she even exists and if the address they gave me is legit.

I was 3 days late on paying my full balance due of $30.70 which was due on 2-11-10. The following statement had a $15 late plus a minimum interest charge of $1. I called to ask if the fee could be waived, and the customer service rep said no. So I canceled the card. My statement due 5-14-10 now has a balance of $48 with a statement warning that they will be charging a $39 late fee. I have no balance due from purchases, etc. So how is it that they can charge me a late fee each month for a late fee?

I receive my monthly bill in the mail from Chase and noticed that my APR has gone up to 23.24%. I have had this credit card with Chase for over 10 years and never missed a payment. I asked the customer service rep why my APR went up. The customer service rep stated that I was sent a notification in the mail in September that the APR would go up. He also stated that it was due to outside factors and had nothing to do with my account. This should be called robbery, since Chase has the ability to extort more money from an individual for no reason or fault of that individual.

Even though I have a perfect payment history for over 10 years and have been a great customer, Chase states that they cannot lower my APR. I asked them to close the account immediately, and the customer service rep could have cared less.

Punish the customers who do not pay their bills on time, but do not punish the good customers who do pay their bills on time. Chase has just forever lost my business and respect.

I have had a Chase credit card for 4 years. My credit rating is over 800, and had a $6,500 credit. I always paid my credit card on time. I was never late. Last week, I received a letter from Chase saying they had dropped my credit down to $500. The excuse they used is that this amount was more suitable to my usage. I thought I was a good customer, since I was never late. I am sure this is going to kill my credit score, as they go by available balance.

I have been charged $1.68 for an account I no longer have. The reason, I'm being told, is that a purchase interest charge of 87 cents and a promotion interest charge of 87 cents has accrued from the billing date to the present time. I made sure I asked the advisor if the account would then be closed. She told me that it was already closed and there would be a $0 balance on the account. I am fearful that this is not the last I will hear from Chase Bank, because even though the account was closed on 3/25, I still owe an interest charge.

I put a check in the mail today for the $1.68 and I told Margaret ** if I heard from Chase Bank again, I would report them to the Better Business Bureau. This is just a small part of what I have been going through with Chase Bank. I don't trust anything they tell me because I have heard nothing but lies. I have names and dates of transactions dating back to March 2nd. I think Chase Bank and other banks are trying to bilk the American people out of every little bit they can get through their deceptiveness. The economic damage that has resulted is that I have paid Chase Bank $79.68 in interest and late fees which they have unethically stolen from me.

I've had my Chase card for many, many years and have always had a good standing with them. I attempted to make a charge this evening for $60.00 when I had almost $900 credit available, and it was denied. When I called, they told me it was closed today and a letter was sent out to me today. I had used my card around 2:00 pm, so between 2:00 and 7:00, they completely cut off my credit with them. Unbelievable! I was embarrassed, and words cannot describe the degree in which I was. This is really unbelievable!

They changed the terms of our credit card in a very sneaky way even though our credit was excellent. Then when we paid the balance off, they kept charging interest on interest and sending a bill when we don't owe them anything. These guys are not only completely unethical but totally stupid because they are losing good customers. We have sworn them off forever, no matter what. We will never do business with them again, ever.

Chase Bank canceled all my credit cards from them last year and gave me the reason, said since I'm not satisfied with them. I have 2 credit cards from them more them 10 years ago with credit line over $60k each, and I was never late on payments. Also, my credit score was more or less 800. My credit history never have late pay or any bad doing.

I still have a couple of credit cards from different bank. I really need a credit card for Continental Airline from Chase. This happened to my brother and my wife too. And both have very good credit score around 800 too.

I cancelled a credit card on 2/18/10. I cut up my card and considered the account closed. Unknown to me, the account wasn't closed, and a charge came through on 2/20. On April 5, I received a notification that not only did I have a balance due, but also a late fee since I didn't make a payment in March. I paid the balance due and called to explain the situation to several customer service agents. They claim they understand why I am upset, but will not remove the late fee from my account.

Chase claims they "value" me as a customer and that they want me to be "completely satisfied" with my credit card. These claims are nothing more than lies. Chase is not interested in the customer, only the bottom line. They use unfair business practices and I refuse to pay this late fee I didn't earn. They need to write it off since

(2) did not notify me of an outstanding balance until after a late fee was incurred.

I paid my new Amazon Chase card on time online, and apparently, the funding account was verified, but the payment never went through, and Chase did not bother to notify me online, that there was a problem. I got a whopping more than $70 in penalties and fees. I closed the account immediately. What a rip off. The account seemed to be verified, and the funds were available.

I can't imagine not having put the full account number down like they say. I didn't, because I do it all the time, to make online payments, using more than $70 fees and penalties for nothing, just so Chase could make extra dollars on what looks like a simple typo. It's unbelievable. The error was probably verified earlier, if it was an error on my part, but I don't think it was. I entered the proper routing number for the online transfer, and I should have entered and double, triple, checked the account number. There was over 15 days that Chase could have double checked, and sent me notice I had entered an "invalid account", or were they responsible for my account number being wrong?

I have had Chase Credit cards for more than 20 years. I actually ended up with 4 cards as Chase took over several smaller banks. I have always paid my monthly accounts and always more than the minimum. About a year ago, I missed a couple of payments. Why? Because I never received the bill. Odd, I have excellent mail service and received all other bills. No matter, I paid, again over the amount due and the past due fee. I have since started paying electronically through my bank solely so I can keep an eye on my Chase accounts. Every so often for years, I received announcements that my credit limit was raised. I never cared as I was paying these bills off for the most part, not adding additional charges.

All of a sudden, in December, 2009, I received a notice on each card drastically dropping the limit to just a couple of hundred above my current limit. The form letter ridiculously states that my balances are too high as compared to my credit limits. At the time (because they kept increasing my limits) my balances were several thousand dollars lower than the limits. I continued to pay (well in excess of the minimum) and now, in April 2010, I get 4 more letters, again lowering my limits. I get it Chase, you do not want to do business with me. I own my own home, have an excellent job and did have excellent credit until your antics have brought me more into the fair range. I am confused and annoyed.

I have 2 credit cards and 1 overdraft line of credit with Chase, all of which I have had for years and have remained well under the limits and remained in good standing. I have had the overdraft for almost 10 years. I received 3 letters in the mail last week saying that my 2 credit cards were having their limit lowered and my overdraft account was completely canceled. Now the letter regarding my overdraft account stated that the outstanding amount due was too high. Well, this is absolutely a lie since the balance is zero.

I have never been late and occasionally used it, but not for about 1 year. I always paid on time and used it responsibly exactly as it was intended, as overdraft protection. I had this account for almost 10 years and now my FICO score will go down. They lowered 1 credit card from $5000 limit to $2500, and my $3000 limit on down to $2400 and canceled my $1000 line of credit. They said it was because of my credit report, however, my credit report is nearly spotless and nothing negative has been reported in at least 5 years. I am completely appalled at the way Chase has treated me. I absolutely can't stand them and they're doing exactly what AmEx did to people 2 years ago.

Seriously, you have to confiscate $4100 worth of credit from someone that has $9000 worth of credit from you? Isn't there anyone else you can attack? I will never do business with Chase after this. And get this, they have the audacity to send me letters, emails and phone calls asking me to open a new line of overdraft credit after this happens. Are you serious? You've got to be kidding me. Stick it where the sun doesn't shine Chase, you are doing everything wrong at this point and I will go out of my way in the future to avoid and ignore you from now on. I will never do business with you again.

My family had a Chase Health Advantage 0% credit account setup by our dentist's office and Chase said that the monthly payment was going to be $140 a month and if I paid that amount every month through to the end, there would be no interest. Well, I've made my payments on time every month for the duration to where I had two payments left and I was done. I should be completed with my obligation and this account closed with a zero balance. But I received what was supposed to be my last statement to find out that some $890 interest had been added to my balance.

I made every payment as agreed to on time even through hurricane Ike which did $20,000 damage to my home. Look at the history. I called your customer support center and was transferred several times to the wrong places until I reached a manager. She indicated that she would not make an adjustment to the account. She said I had to file a formal complaint. Well, here we are.

I have been a member of Chase since 1983. In this case, I paid the amount that Chase said I needed to make to satisfactorily conclude the promotional Health Advantage Zero Percent agreement with my last payment being on April 10th, 2010. I contacted Natural Wellness Resources to state that at no time did I accept a 14 day trial and if I did then what was I getting for the $142.37 since the only product I received was the original sample. The settlement representative stated I owed this and they would settle for fifty cents on the dollar. I declined and they stated it would be given to a collection agency and impact my credit score.

I had a Credit Card and always made my payments on time, then for no reason, they canceled the card and there was an outstanding balance which I have been making payments. I received a statement on April 17, 2010, stating that the Payment Due Date is 05/08/10, minimum payment, $208.00. I put it in my file for payment on May 6,2010. On April 17, 2010, I started receiving multiple calls, asking for the money. I told them, it was not due until May 8, 2010.

Today, April 18, 2010, I received 11 calls registered on my caller ID, we were out for awhile but while home, I would answer, they would ask for me then hang up. I demanded to speak to a supervisor and the person I was speaking to put me on hold and came back and represented she was a supervisor. I called the Chase customer service and spoke to someone there and they claim I did not pay my April bill, I told them I never received one, I can not pay what I do not receive. This is not the first time, I did not receive a bill and the next months bill would have a $39.00 Fees Charge. Just another way Chase has figured out to screw the public, then they harass you for money.

When they cancelled my card they did not tell me, I had some automatic payment accounts which I suffered late charges and negative reporting on my credit report, Chase's actions with the skipped statement trick has caused them to file negative reports to the credit reporting companies and there multiple harassing calls.

I have had Chase credit card for over 30 years and I have never been treated like this from any other company. I had one credit card that had a $25,000 limit and they dropped it down to $4500 for no good reason. And all my other Chase cards were lowered also to non-usable amounts. I just paid the total balance on one card and in my next month's statement, they are charging me interest again, even though I paid it off.

I called them and as you can figure, I get a person from India who I can barely understand. So I called back 4 more times and each time I get a poor English speaking person from India, whom I absolutely do not trust since most of the scams are from India, and hung up again. As of ten minutes ago, I have taken all my Chase credit cards and paid the balance on all of them, total $28,000 on 8 cards and shredded the cards. I am done with this and the tactics they are using.

This is a warning about Chase Card Services when closing credit card accounts. I closed a credit card account (in good standing, thank you) with Chase this March. I closed it both orally on the phone and in a letter sent certified mail. I have the return receipt showing Chase received the termination letter. I received a new statement with an unauthorized charge, and called Chase Card Service.

I wound up talking with a Zack ** who told me that customers are not allowed to cancel in writing. When I pressed him on it, he asked what made me think that the contract allowed written cancellations? He said all cancellations had to be oral, and they had no record of either my oral cancellation or my written cancellation. So there you have it: What makes you think that credit card contracts allow written cancellations of accounts? And people wonder why we have government regulation.

Due to financial hardship, I asked if they would help me with payment plan. I was approved on the Assist Program. When my husband wages were cut again, I called to see if they would help me to reduce the payment further. They told me that I would need to cancel this program and re-apply. I was sent a letter stating that I was approved. Payments were automatically set-up to be withdrawn over a 6 month period.

The 1st and 2nd month, payments were being withdrawn, then I received a letter stating that I was no longer on the program, however; the next 4 months they continued to withdraw the payments. When I looked at all statements from the beginning. They never bothered to reduce my interest rate and charged me a 29.99 rate! Now they are expecting me to pay the accumulated interest. My husband works for the State of California. His wages were cut 15%.

I have been a customer of Chase for 20 years and now I'm receiving notices that my interest rates have increased. Chase has closed two of my credit cards and lowered the credit balance from $30,000 to $1,700.00 on one of my cards. I have outstanding credit per Equifax, 740 score, I own my home, I have paid on time for 20yrs.

This treatment is outlandish, degrading, insulting and poor business. I contacted Chase and they have nothing to say! No offers to keep me as a loyal customer! So I have paid off Chase in full and will never ever do business with Chase again! Chase just lost money from a excellent account. I have done nothing to deserve this degrading treatment and attack on my credit!

I need credit cards for my business travels, making reservations, paying for the funeral of my grandmother and this has now caused a tremendous mental and financial hardship.

Chase is reporting negatively on my credit score for a card that belongs to my ex-husband. I phoned them 2 weeks ago and they too agree that this is an error. They said that someone would call me back, but no one has. My credit score dropped 100 points. This is a very serious matter. Chase Bank USA, kindly remove this negative mark from my credit score immediately.

Chase reduced my credit card lines on April 14, 2010 as follows: Long time cardholder, one account line of $30,000 reduced to $2,500. Second Southwest Rapid Rewards Visa reduced from $6,500 down to $1,500. Ficos in the 730's, NEVER a late payment, on anything for that matter, not just Chase. They said outstanding debt was too high. Told them we own 10 rental properties and yes, they are going to see mortgages.

They verified with Equifax that the "revolving" accounts are indeed 2nd mortgages on properties, but that they would not re-instate my credit lines. The 30K card had no balance, told them to close it now. I'm thinking about cancelling the Southwest Visa card if there is another airline card I can put in place instead. These people are idiots if they don't look at Fico scores and payment history. I had used the 30K card to take my parents to Hawaii last year, and paid it off this year. Obviously can't use that card again for anything like that with a limit now of $2,500. Been in mortgage and finance for over 25 years now, never late on anything. Ridiculous, for the consumer and their business. I will not deal with Chase again.

My wife and I get mailings from Chase about twice a month for Chase credit cards. We have tried for months to get them to stop. We have called the airlines which gave them the information and we have returned mailings to Chase asking them to stop. Now, we are using the business reply envelopes Chase provides and sent it back with an otherwise blank paper saying "no". I hope they have to pay postage on these return mailings.

Chase gave me a new credit card number because of fraudulent charges and I decided ill never use chase again so I never activated my new card but in my cash advance % line I have a $27 dollar more amount then the month before. How can I owe more if I didn't get the cash advance and how could I get that cash advance if I didn't activate the new card those people should be put in prison there worse than the cons there now.

I have three cards with Chase. As everyone else, they reduced my $7,000 credit limit to $500! Months before that, I attempted to increase one card which had a limit of $500. They increased it to $700. Quite a slap in the face considering at the time I owned a house and also qualified to buy an additional $250,000 house of which I purchased. So my credit was very good. I informed them that I would pay off my grand total of $400 between two of their cards. I promptly closed all three accounts.

A week later, they leave a message that they are returning my call. I never asked them to return the call but I called to inquire anyways. Chase said that if I would like they were willing to reverse the credit limit back to $7000. I know most have not had that kind of experience with Chase. I told them it wouldn't be necessary to reverse my credit line. I still plan to close all three accounts and use my bank's credit card instead. Hopefully, someone at Chase will realize it wasn't a well thought out plan. If you do someone decent wrong, you lose their business.

I am a long time customer and previous employee of Chase. I paid my $18k credit card off and still got an interest charge the next month because they took their sweet time processing the payment. They wouldn't waive the interest and said that I do not qualify for retention.

I think Chase needed to re-think things. I closed my account even though I know it will hurt my credit. It's the principle of the matter.

I recently changed my "Auto Bank" account to a new Bank. When I received the form from Chase, one must check either full or minimum payment. They basically are not letting you pay more on your balance. If you do, they just deduct the extra you paid from your minimum payment on its due date. How can they get away with that? Is that illegal?

I receive reward checks with my name, but the address is of another person. I mailed the check, it went to another party, and they looked me up and hand-delivered my mail. I called Chase numerous times. I even emailed the check and cover letter and they still insist that they're sending my check to my same old address. They're very uncooperative. I've been a customer many, many years and never had a problem. But now the only thing I can do is cancel to insure other people don't get my mail. This problem still exists and I have not heard a word about resolving this problem.

Because of loss of all income our family, for the first time I have a $46,000 balance on our credit card. I do not understand how credit cards can be allowed to charge 25% interest. I have a $500,000 equity line and my payment is $1000. I have a $46,000 credit card debt and my payment is $1250. Aren't there usury laws or laws to protect consumers from high interest rates? It is robbery and I don't understand at all! I will never be able to pay off this balance without selling my house.

On March 24, 2010, my children's mother passed away. I called Chase and tried to explain to them of this matter. I was told, "We will note that in the file." I took my children on a vacation to get away from everything and while gone, Chase called the house several times wanting to speak to Patsy. Patsy's mom tried to tell them that she was deceased. The person said that they would call Patsy at a later date. I tried to call Chase again to ask them not to call for Patsy anymore because it was upsetting the children. On Monday April 12, 2010, Chase called again. They where told that Patsy was deceased and that I will be handling the issue with them. At that time, I was not here.

On Tues. April 13, 2010, Chase called again. They spoke to my child about her mom and she tried to tell them that Patsy had passed away. The person on the other end told my child that her mom needs to pay her bill or that they will take action against her. Well, this got my daughter very upset and she started crying. I learned this today and was not happy about it while I am being told of what happened last night. Guess who's calling. Chase. Patsy's mom just hung the phone up. She tells me everything that was said and done with all the calls and I took action. I personally called the number and told the service rep that I did not want to talk with her that I wanted to talk with a supervisor. She asked why. I told her that I am tired of them calling and asking for Patsy and that they had no right to talk to my child about business. The lady was very rude, said that they would not call if we pay our bills. I demanded that I talk with someone other than her. I got transferred to another rep. I told her about what has happened.

She said that they were trying to collect on a debt that is owed to them. Again, I told her that Patsy had passed away and that I will be handling her account from this point on. I also told her that it was not nice for a rep to call and give my child the third degree about her mother. I asked for them to not call her anymore. To me, they are harassing my children and Patsy's mom. I want to make them pay for causing my daughter to cry all night over this. What Chase does not understand is that this 15-year old girl just lost her mom and they should not have even talked to her about the account.

Chase will pay for making my child's life even more difficult. Chase seems to not care what they say or what they do. Well, let's see if they care about losing a few million for what they have done to this family. I am an upset dad and when I set my mind to something well, it is on. So Chase do not look over your shoulder because I will be in front of you looking you down with an attorney by my side asking you, is it worth it to make my kids upset? Is it worth it to make Patsy's mom upset? And is it worth it to get me going? You, Chase, have no right to cause so much more pain for this family. Trust me, Chase will pay for this.

I would like to bring your attention, as well as the American public, to a very disturbing practice from Chase Credit Cards that I feel is strong-arming the American public. Recently, I spoke to Chase Credit cards, Mary **, a customer service representative concerning an interest charge on my monthly statement for $137.17. I spoke to this very ignorant woman on April 12, 2010 and asked why my interest was so high, considering my monthly payment was only in the $200 range. She stated that I was a few days late on my payment (who in America today during this extremely trying time is not sometimes late?) on last month's payment, so my credit card interest rate went to an amazing 29.99%. I am enclosing a copy of my credit report for you to see that I have near perfect credit, so any interest rate cannot be blamed on bad credit.

After speaking with this woman, who basically sounded like a robot that was trained by Chase Visa to say exactly what they wanted, I asked for her supervisor. She said, "my supervisor is only going to agree with me, why do you want her?". I told this lady I would not be making another payment on my credit card, which prompted a serious of threats by her stating that it would screw up my credit report and be listed where I would never get credit again. I was told they would make my life miserable and make sure I could never obtain credit again. Of course, my response to her was a laugh since I have over 50 accounts in excellent standings, whereas I would simply add a dispute to their listing on my credit report. On the same day, I called and left a message for Stacey **, but as of this letter, of course I have received no response.

In a few weeks, I will be paying this account off in full and have already told this company to close my account for I feel they are thieves and deceived me and am sure they are and will continue to rob the American public by these strong-arming practices. I am utilizing my legal rights and posting this letter to every internet board, chat site, posting boards, as well as my own site that draws over 5000 hits a year. I am beginning a complaint to the Better Business Bureau, as well as reporting this company to the Federal Trade Commission. I have considered placing monthly payments into an escrow account and letting the courts decide whether this is fair practice or not, and may still do this. In my opinion, I would check into this company's disgraceful practice and avoid dealing with their customer service at any costs.

Chase sent me a letter yesterday telling me they've elected not to renew my account. This is very interesting, because about two weeks ago it was reported by their fraud department that someone attempted to charge several large purchases to my card. I confirmed the card had indeed been compromised and that I was still in physical possession of the card. They canceled the card and said they'd send a new one.

During the call, I asked if they might be able to raise my limit since the card only had $1,600 available. They lowered my limit by my exact payment amount of $1,100 about four months ago. The customer service agent on the phone was extremely rude and I felt that I was in the middle of an inquisition. She made several remarks about how I am irresponsible with my use of credit and that they are concerned. She said that she'd never authorize a credit increase to a customer with my poor financial management habits.

Needless to say, I was blown away by how nasty and rude she was over a simple inquiry. Incidentally, I have 5 cards with very low limits so it doesn't take much for the balance to limit ratio to be high. I moved into an apartment about 2 months ago and made several furniture purchases and planned to pay the cards off over the next 4 or 5 months.

I called the customer service line back, later that same day and asked to speak to a supervisor. I reported how nasty the person was and that I was not at all happy with my experience. I find it very interesting that two weeks after this, they "elect" not to renew my account. I will never do business with them again.

I never received a summons for a court hearing and was wondering how a person or company can revive a Judgement without notice to the person that they are suing. I was unemployed for over a year and had problems with credit card companies, now I am employed and paying off what I can. We had hired a bankruptcy lawyer and have been thinking on that route. The possibility of an 18000 dollar debt attached to wages or property.

I used to have WaMu and they were wonderful and had great customer service. Chase bought them out and have been nothing but horrible. When I had WaMu, I had the same due date every month for the whole two years or so that I had the charge. Chase changed my date and when I went to pay it on the usual date that I always paid it, I realized that the due date had been moved to two days sooner. I called them to see If I could explain that I have always paid on time and what had happened. Of course, they didn't remove the charge. They then raised the interest rates.

The next thing I know, they lowered my credit limit so I began to pay them off quickly as I cannot stand them and now, they have lowered it again saying that I barely use it. Is this the way they should treat me when I have been nothing but a great paying customer. I paid them off today and will never use their crappy card again. I hope they get what's coming to them. The way they treat their good customers is terrible.

I've had this card for 7 or 8 years. I pay a yearly fee for the privilege of carrying this card and I've paid off large balances before and never been charged for interest after the fact. I have observed a growing greed in this company over the last 6 months, and in January I paid a late fee which I questioned. I felt that I had been disrespected and I moved the money in my checking account to another bank account, and I paid the balance due on the Visa account in full and on time.

I then stupidly used the card again for a $72 purchase and immediately I got a bill for $101. Aside from the purchase, an interest fee was charged at a rate of 13.15% on a balance of $2822.02. I called customer service. They dictated to me that they could and did add this interest fee. I went to my local Chase bank branch and discussed this with the manager, paid the purchase amount, closed the accounts. He took my payment for the purchase. He called customer service and repeated what they had dictated to me earlier, that they can and they did charge this interest.

I get the runaround when I try to initiate a dispute. I always end up with the customer service dictators. There isn't a democratic pathway for resolution or reason. This is bad because I have stated that I am not going to pay the $28.47 because I think it's robbery. I am sure that this little group hopes that I don't pay this because then they can give my excellent credit rating a black eye and charge more late fees. I have experienced repeated frustration and humiliation over this. I feel that Chase has no respect for me and is really groping to prolong a relationship of fees, fines and charges.

Like everyone that has compliant here on this forum, I received a letter today from Chase in the mail notifying me that they have dramatically reduced my High Credit limit from $25,000. Now it looks like I am close to my credit limit on this revolving card which lowers my FICO score, which will give Chase reason to increase the interest rate. I have always paid in full the amount each month, and never been late on the account and ironically just leased a car with them.

Chase business card used to be a great company to deal with but in the past two years, they have gone crazy. I run a drywall business and use their card for purchases. I have been a loyal customer for 9 years and have missed one payment (paid when I found out that I had my card cancelled with in two days of the end of billing cycle.) After arguing with them, they re-instated me. I also had to pay an interest rate of 19% compared to the 8.99, I was paying. That is the only thing ever done in the history of my account.

This brings me to my complaint. Today, I went to get my car out of the shop, so I could travel for business and handed the man my card. He told me it was denied twice, so I wondered what was wrong. I rushed home to call the card company, on the way in, I got the mail and in there was a letter from Chase business cad. I open it and to my surprise they had lowered my credit limit from 38000 to 1500 that barely covered the balance. With that kind of limit, I can't even go out of town for business. So they dropped my limit by 96 percent. That is not even funny. How is a business supposed to do any thing. It is not just them, all credit card companies are lowering limits to just above the balances and destroying people's credit scores. We have been good about paying bills on time but they think I am a high credit risk.

I can not do business, they are making it impossible to get any kind of loans when they are destroying my credit scores. I worked for 20 years to build a respectable credit score and now that is gone. They can go to the fed and borrow money anytime they need and that is my tax money they are borrowing but I don't have the right to tell them, "No, they are a credit risk."

Somebody has to stand up and fight this outrageous. I do not have a leg to stand on. I was proud to be an American but when our own citizens do this to us, it makes me sick to my stomach to see what this country is headed for (collapse of our financial system as we know it, freedom of choice).

I was affiliated with WaMu for many years and never experienced any problems. After Chase bought them out, my interested rates were raised and if I wanted to keep my credit line, I would have to pay that higher rate. I kept the credit card. Then I received a letter stating that my account was closed, even though all my payments have been on time and more than the minimum monthly amount. I called Chase and requested a charge off, which was paid at their requested amount of $4,300, which saved me $400. They destroyed my credit rating.

I have a Visa that started out from WAMU and then went to Chase. I had 11.9% at first for 1 year and then 13.9%. After Chase took over it went to 17.99%. I made a purchase on QVC with 5 payments. On the last payment I went $9.00 over limit with a $40 charge and an interest increase to 26.99%. I opted out and locked my rate at 17.99%. I will never ever do business with Chase. I have other cards and went over my limit and never got a penalty.

Well, like mostly everyone else, I have a Chase Visa that was previously Providian, and then WAMU before it was Chase. I've had this card for about 10+ years. I had a credit limit of $15,700 and it was reduced to $1,000. I have a Chase MasterCard that was just $2,000 but now the APR is 30%. I have had FICO scores in the 800's. A few months ago, it was around 750. I have never been late on any payment and I pay my statements in full each month. I can't believe they are doing this.

But oh well, I have an American Express and a Citibank cards with limits that total about $20,000 put together. I will cancel both Chase cards, regardless of the affects it will have on my credit score. I will not stay with a company that treats its best customers like this.

I opted out of the increased interest rate of 29.99% by closing my account within the specified time frame. I am still being charged the 29.99% interest rate. I have called several times and they continually say it is an error that they are trying to fix. It is supposed to by corrected by the May statement. My problem with that is the interest rate of 29.99% increases my monthly minimum by $100.00.

It also incurs a penalty charge if the higher minimum is not paid. I did not get anywhere with them until I threatened legal action. My minimum payment is outrageous and they continually charge my account at the increased 29.99% interest rate versus my prior rate of 13%.

I was charged $48.00 late fee for being one day late and another $15.00 fee for being one day late on $1.00 outstanding balance on more fees that I did not even know they added. I was a cardholder since 2006 and had never been late. This bank is a rip off for good responsible people.

Like everyone that has compliant here on this forum, I received a letter today from Chase in the mail notifying me that they have reduced my High Credit limit of $15,700 to $2,700 because of my past usage. It's not that I care about the amount, it's the fact that now it looks like I maxed out on my revolving card which adversely affect my credit scores.

I have always paid in full the amount each month and never been late on the account and this is the way that they reward us, taxpayers, for bailing these companies. I have also a mortgage with them that was with WAMU, which I've never been late on. I have in my home for 13 years and although my home value has declined, I continued to pay because I feel that is the moral thing. Yet, I am so sick of these companies who got bailed out getting rich off us. What's worse is that we keep taking it and the government is not helping either. They should have let all the banks fail! My credit scores dropped because of Chase reduced my credit limit without warnings.

I got the letter like all others here, $6500 limit lowered to $500 (adjusting to the way I use the card). When WAMU became Chase, I did have a balance paid more than minimum on time, never late. When they raised APR, I paid it off with credit union credit card (lower APR), called and talked to the rudest person ever. I was about to cancel credit card and the guy hung up on me. Thanks, Chase for chasing me away and my credit score too.

Same issue as many others with Chase Credit Card. I have a card originally issued by WaMu and taken over by Chase. On April 1, I received my new card as it was getting ready to expire. The notification with the card said I had a $30,000 limit. Imagine my surprise on April 6, when I received a notice from Chase as many others have, that said my credit limit was being reduced to $500 because of limited usage.

Like everyone else, my FICO was in the 800's and I never carry a balance. The Chase card was my secondary card for emergency purposes and therefore had little usage. Based on things I have seen on the internet, I was expecting Chase to alter my limit but not that drastic of a reduction. The real insult is that it was done with no advance warning and in the middle of a billing period. Had I used the card for a large purchase that went over the $500, the letter told me that I would have 45 days to reduce it below the new limit. This is morally and ethically irresponsible of Chase. I would have expected an advance notice at a bare minimum. Canceling the card isn't going to affect my credit anymore than only having a $500 limit, so I will be doing that as soon as I make my final payment.

As I read through the other complaints on the the website, the number of former WaMu card holders, who had their limits dropped was noticeable. Is this perhaps a targeted action against cardholders acquired by Chase to get them to drop their cards? I haven't seen if there is a decrease in my FICO score yet. As I was getting ready to purchase 2 new vehicles, I am concerned that this could have consequences on my interest rates on these purchases.

It shouldn't be legal for a creditor to lower a consumer's credit limit without a negative payment history or change in the consumer's credit status. Chase reduced my credit limit because I don't use my credit card very much. I didn't even find out about this until I tried to use my card when it was declined! They weren't even professional enough to notify me beforehand. These underhanded practices designed to hook consumers into more and more debt should not be tolerated. Lowering a consumer's credit limit reduces their credit score by increasing the debt to available credit ratio. This in turn, permits creditors (like Chase) to charge higher interest rates.

This is a huge conflict of interest and smacks of "predatory lending" practices. These loan sharks are able to manipulate our credit scores at any time in order to line their pockets with cash. Further, these tactics force consumers to stay with dubious lenders because they can't successfully shop around for alternatives once their score has been reduced.

I hope the government wises up, stops bailing these ******** out and regulates the hell out of these morons. Maybe their shareholders will lose money as a result of eliminating their customer base and the executives' next bonus package will include a pink slip!

I got a Visa from WaMu and always pay more than the minimum payment before due date, Chase closed it without any notice and reason, I found out that the account was closed when trying at a gas station. After closing my account, they raised the rate to 31.99%, and I just kept paying, Last week they charged my account for annual membership fee, I sent an email asking why my account was closed and charged me the fee. Their answer was if there is a balance on the account, I would be charged for membership fee. What is going wrong?

Match.com accepted a fraudulent charge on my checking account. Now I have to wait ten days to receive a new debit card while some jackass overseas is merrily trying to charge stuff on a debit card that apparently isn't checked by anyone. I never use a debit card online and furthermore, never use social networking sites nor do I have a history of frivolous charges. My charges are really boring, grocery stores and so on. I try to keep it that way! No one at Chase clicked to the ridiculously incongruous charge until I called to complain about a mysterious charge against my account that was debited yesterday.

It is my understanding that an old debit card number was used. I thought when banks supplied new cards, the old ones were supposed to be discontinued. So why wasn't this done at the bank level? The customer service person, however, was extremely fast and efficient in attempting to remedy the fraudulent charge.

I have also received a form letter freezing my credit line. They also used their proven valuation method on me, but I have to use an appraiser that they use at a fee of $385. They will give me a refund for that if I'm reinstated at full amount (right). What a gimmick.How come they do not have to use an appraiser or just look at the price of houses that sold in my neighborhood recently to get the real value of my home? Bye bye, Chase.

I was checking my credit card account online and noticed that my credit limit has been reduced from $7000 to $1400 and my APR has been increased to 22.4%. I was never late and never had high balances. This is just ridiculous.

I received a letter from Chase, dated March 30, 2010, notifying that my available credit was being decreased from $9500 to $500 (over 95% percent decrease). The reason stated was "to align" my account with the pattern of usage. Also, they abruptly assigned a usurious interest rate of 29.95% despite my blemish-free payment history. They cited current "market conditions" for both the sudden decrease in available credit as well as this exorbitant interest rate and not anything related to my personal credit. They even acknowledged that I was a customer in good standing.

Also, during contact with Chase "Customer Care Center" to question the changes, I also pointed out an error of fact in their letter to me about my credit usage, pointing out to them that I had recently utilized this card to make $6500 single purchase (well above the new limit of just $500). I further protested, politely, that as a practical matter, I can hardly purchase an airline ticket for my wife and my self this summer with just a $500 limit on the card.

Despite this fact and in disregard to my stellar repayment history (and my FICO score in the 750 range), Chase Customer Care remained intransigent. They refused to restore my credit line and refused to assign an interest rate that is in tune with other banks (other banks, which by the wway, are exposed to the same "market conditions" as Chase) which do not impose a grossly excessive credit card interest rate on responsible customers as Chase has suddenly imposed.

My ability to purchase simple airline tickets for a summer vacation for my wife and my self have been stifled. If I do not pay a Chase balance in full each month, I will be penalized with a disproportionate, usurious interest rate. If I close the account, my credit rating will be impaired for elective closure of the Chase account. My self esteem will diminish, and my bones will tremble with apprehension if I keep the account active, for fear of that draconian 29.95% interest.

Consumer abuse and the accompanying psychological distress, either way. This action by Chase was clearly unwarranted by anything I, as a consumer, have done or not done. It appears to be an orchestrated effort to shake off customers, so to regain control of underwriting capital. Whatever the reason, it is the height of customer abuse. Where are the regulators? Where is our government? Didn't they (Chase) take bail-out money then reward execs with mega bonuses? What about Joe Consumer? Please help!

Same story as everyone else. Chase card was originally WaMu card with $30,000 credit limit. It carried a small balance, never late. I paid it off last month and received a letter stating my credit limit was lowered to $500. I have two other Chase cards and I will be paying those off this month. No doubt the same thing will happen with those cards. American Express did the same thing to me a few months ago. Credit limit was lowered from $20,000 to $1000. I will be paying for everything with cash from now on.

I received a letter from Chase dated March 30, 2010 informing me that my credit limit was being reduced from $5000 down to $800 to more closely align my account with the way I use it per Chase. Why? I have an excellent credit score I have never paid late and always paid above and beyond the minimum payment. I called Chase to inquire as to this change and the customer service reps. (2) were very rude. Is there anything that can be done, why would Chase penalize good customers. I would like to close the Chase account but I don't want it to have a negative effect on my credit score.

I noticed on my online bank summary that the balances on my Chase credit cards have been reduced. One card carried a balance of zero and was reduced from $5000 to $500. The other card, which carried a balance of $1,100 was reduced from $5,500 to $1,600. Both of the cards were former WAMU cards. When I spoke to customer service, I was told my balances on those cards were reduced because the balance on a Bank of America credit card was close to its limit and they were concerned. I have another TJ MAX/Chase card that has a balance of zero and a $2,500 credit limit. When asked why that wasn't reduced, she simply stated, "well, the limit wasn't that high so we left that alone". I also explained to her that the balances on the report is outdated and the balances have been paid down. She told me that I can call back in 4-6 weeks and they would increase my limits and this reduction was only temporary.

One of the former WAMU cards is a personal business card. The balance is always paid in full each month, but the high limit is necessary to purchase office supplies. Also, the $7,000 reduction has drastically reduced my total available credit and hurt my credit score. I can only hope it won't hurt my attempt to purchase a home.

I just got a letter; they lowered my credit line from $12,800 to $6,500 & then to $700 to match me with the credit that I use. I started out with Providian in 2004 and then it became WaMu and now Chase. My credit score is over 780 with all 3 credit reporting agencies and I never carry a balance on any account and I am never late. This is how they reward someone with perfect credit. The supervisor I spoke with, Arpay **, was one of the most unprofessional person I've ever spoke t. He read everything from a cue card. I asked him for someone else to re-review my account and he said there was no one else. Since I've had these cards I have never been late. My interest rate went from 9% to 21%. Is there anyway I can sue these guys for ruining my credit? I think this should not go on & they should not be able to get away with it.

Last week of February 2010, I bought a ticket with my Chase card from American Airline to travel abroad for a three weeks vacation. Two days later, they send me a bill with a due date while I am on vacation and charge me a $39 for late payment plus interest and threaten to increase my APR up to 30% if I don't pay on time. I always pay them on time. This is not my first fight with them over such unscrupulous practices. These people are something else.

In 2007, I opened a Providian credit card with a credit line of $1,000.00. Over time, the limit increased to $6,000 (timely payments, over payments and payments in full). The account became WaMu, who increased the limit to $8,000, then Chase. I used the account for large and emergency purchases and always paid the account in full to ensure having funds available for future large or emergency purchases. This was my security net allowing me to have peace of mind in knowing I would have the means to handle whatever emergency came my way. I was prepared.

This weekend, I received a letter from Chase stating they lowered the limit to $500 as they felt this limit was "more closely aligned with the way I use the account". I called and asked what information they used to determine a $500 limit would be adequate when all my previous activity was well in the thousands of dollars. All they would comment on was the fact that the account had not been used in 12 months. I requested my $8,000 limit be reinstated and was told I could apply for a credit line increase to $1,000. The person I was speaking with stated other people wanted credit cards and Chase could make money by opening new accounts, but not by holding funds for a card member who uses their account infrequently.

I mentioned we have a mortgage, home equity line and my husband has a Chase Master Card. I asked, "is this how Chase treats repeat and long-standing customers?". Her only reply was "sorry, you are upset". I asked if Chase considered the fact that they were playing havoc with members' credit scores? I was told "no one pays attention to credit scores, companies only look to see if you pay your bills on time". I do hope they were recording that conversation!

I am a former WAMU Visa customer that was taken over by Chase. On April 5, 2010, I received a letter from Chase stating that they were lowering my Visa credit limit to $500 due to using a limited amount of credit. My credit line was $5000 before the letter. I had never been late on a payment. I called to find out why this happened as I've used the card several times over the last year. I was told this lowered limit was an adjustment based on my usage. I told the representative that I was worried about this affecting my credit score and wanted this change reversed.

I was then asked if I planned to use the card "soon". I could not commit to how soon I would use it and was told my line of credit could not be increased. I explained that I was not asking for an increase, I just wanted the change reversed. I was then told "I'm sorry, we are unable to do that at this time. " I pointed out that I was a WAMU customer before Chase took over and I was never given a Chase card, so my purchases could not be made where the physical card was needed. Again, I was asked "Do you plan to use the card soon"? I asked to cancel my account.

I admit, I used this Chase credit card infrequently, probably a handful of times a year. I am not a responsible consumer and try to avoid debt I cannot pay off. However, having a decent credit line gave me an extreme peace of mind if I were to have an emergency. I no longer have that peace of mind. I never received a new card with Chase's name and I never received my last statement. They decided to reduce my credit line and affect my credit score on a whim. I realize that my credit score may also be adversely affected by my cancellation but I feel an extreme distrust for this company.

In 2005, I was issued a Providian Visa card. This card was then bought by WaMu and then by Chase. Last night, I received a letter dated March 30, 2010 that my credit line was going to be reduced from $10,000 to $1,000 to make it more in line with my spending. I called them to see if they would raise the line back but all they could give me was $500 to raise the line to $1,500, so much for being a responsible consumer with my credit. I also have another card that they continue to lower the limit as soon as I pay some of the balance down so it is just above the credit line and there high interest will push it the balance over and hence, I would incur an over the limit fee. Also, in speaking the customer service rep, I mentioned that by them taking this action. It would have an effect on my credit to her reply was there was nothing more she could do.

I had my APR doubled for no apparent reason. Chase claimed to have sent information in November 2009 and resent the info when I asked for it in March 2010. I still don't remember seeing it. There is no proof I received the change in terms in November. But if they say they mailed it then, I guess they are right. I was one of many who enjoyed WaMu and wished I could have them back. Because I have a bankruptcy still looming over my head, its difficult to find a card I can transfer my balance.

In 2007, I was unemployed and received a prepaid debit card from Chase Bank for benefits paid by TWC (Texas Workforce Comm). I only had it a few weeks, and had already found another job and stopped my benefits, with only about $10 left on the card when last checked, and no more benefits to be paid to me. I was not concerned when the card was stolen along with my other credit cards. We closed all accounts and opened new bank accounts and disputed fraudulent charges on the old accounts - which were cleared without a problem. Case closed until now. Now, in March 2010, my company lays me off and goes bankrupt, closing its doors.

So, I filed for unemployment again, per the TWC website. I should be looking for a plain envelope from Chase Bank with my debit card. I kept waiting for my debit card from Chase Bank as the TWC website says should arrive by March 30. Then today, I finally get someone on the phone at Chase, who informs me that the money was loaded on the card from 2007 - What! Why would you load it there? - I don't even have the card anymore. I told the rep, no problem he says we'll cancel it and issue a new card to arrive in 10 days. Sorry, I say, that is not acceptable - I have been waiting benefits for a month already and need the card now.

Can I go pick it up at a branch? No he says, but for $17.50 he can send it overnight to me. So, I choke that down and say okay, and inquire what is the balance on the card? I am already aware through the TWC website that I should have 2 weeks pay, he informs me $71.00 - $17.50 overnight fee. I admit I lost my cool - what - where did 2 weeks pay go when I have not even gotten the card yet? He then informs me that they (Chase bank) took back a $400.00 debit owed on the old card in 2007.

1.It is a prepaid reloadable card - how can you debit more than what is on the card?; 2.Why is this the first time I am being informed that there was a problem 3 years ago, when I have been a customer of theirs all this time?; 3.They tell me they can not view the records from 2007 to offer me any explanation, but they can take $400.00 from me today. They can not explain how they allowed a prepaid debit card to be hit for more than the money that is loaded on it.

But in 10-14 days they'll send me an account statement from 2007.; 4.The manager, that I demanded get on the phone with me, said I really had no choice and could do nothing about it anyway.; 5.I told her, to then cancel overnighting me a debit card with $50 buck on it and she said too late, and has already taken the $17.50 for overnight services (all of this in about an hours time)

So, now I have not been paid since March 8th. It has been a month of waiting for a debit card to arrive only to find they have taken $400 dollars away from me that I was never informed was owed, and now I have to pay my mortgage, and can't. I am also so upset by this whole matter that I can barely see straight. I don't steal from people and I always try to do the right thing and not hurt others, but I can not accept this offense to be perpetrated against me with out some fight.

I want fair treatment, and I want my $400.00 back from Chase Bank. They have taken enough from me over the years with raised rates, hidden fees, ATM charges - those we only complain about to ourselves, because they are small dollar amounts but if you think about over the many years of being a customer they add up - So I'll be darn if I roll over on this issue with out a fight!

I received a letter from Chase stating that my credit limit would decrease from 4,300 to 900 dollars. I have never missed a payment with them. I paid double, sometimes triple what was due. It's not fair. I will never deal with Chase Bank again!

I had a credit card since 2008 and used sparingly and paid off balance each month when used. Credit limit was $6,000. Chase lowered credit limit to $500 because they said I did not use it enough. Raised it back up to $1,000 when I called and requested it go back to the $6,000 but would not go any higher.

I have 3 Chase Credit Cards. One was previously a Providian. Others were Bank One and Circuit City. Two of them increased the APR, one up to 31%. I have never been late or over the line of credit on these cards, or any others. Two of the cards also decreased my line of credit. I decided to pay off these cards as quickly as possible. I paid the balance in full on one of the cards on Feb 18th, the payment wasn't due till March 9th. In fact, I overpaid it. I was sent a check for the overpayment on Feb 25th.

I just received another statement from them April 2nd, showing I owe $14.44 in promotional and purchase interest. I called, was told it was interest leftover. I asked why I was sent a credit balance refund if I owed further interest. I was told because I requested to close the account. I did pay it, just to be done with them but now wondering if I will keep getting statements for further " interest charges". I thought it was illegal to charge residual interest now?

I received a letter from chase notifying me that I no longer met the guidelines for my current credit card and in result my card would be closed. At that time I didn't think much of it, not until I tried to consolidate the balance with another institution. When applying, they ran my credit report and I found out that Chase had reported me as a charged off share. I had never missed, never was late and never under paid on any of my credit card and other loans. So how is it possible that Chase who never gave me any alternative options can destroy the credit of a loyal and dependable consumer? I would think that I would be considered a valuable customer. Isn't this illegal?

Yes, I'm another former WAMU credit card customer who is going to have his credit affected by Chase. I got a letter today that reduces my available credit from $7,000 to $500. My credit scores are all over 800. Same story as everyone else, I had no late payments, former WAMU card holder, and etc. Upon contacting customer service, they reinstated my limit to $1,000, so much for having a card for emergencies. I'm transferring my 2 other Chase cards immediately to another card. I can't wait to see how this is going to affect my credit score. I wonder if a bank can be sued for messing up your credit score. Class action lawsuit anyone?!

Chase is a scumbag operation. I just got a letter that they lowered my credit line from $12,800 to $3,000 to match me with the credit that I use. I started out with Providian and then it became WaMu and now Chase. My credit score is 816, and I never carry a balance on any account and never late. This is how they reward someone with perfect credit.

The supervisor I spoke with, Renee **, was one of the most arrogant people you could want to ever chat with. I asked her for someone else to re-review my account, and she said she wouldn't do it and she makes the final call. There is nobody else to turn to? I am going to write to several of the board of directors and let them know whats going on in their trenches.

I think asking for another review of my account would be considered "service," something I have paid Chase bank for. Please people, if you are considering opening a credit card with Chase, don't do it. There are better places to bank! I will keep my Chase account open and just continue to use it at the Dollar store once a month to charge $1 and pay it off before the billing cycle closes, just so I show activity on account to keep it open.

Chase hasn't made a penny off me in years (on either of my accounts) for finance charges, and they have raised my APR from 4% to 20%. I'm sure they are doing it just to be nasty as the credit card industry refers to anyone who doesn't carry a balance as a "deadbeat," because they aren't making any money off them. Stay away from Chase!

I just got my statement from Chase and my prior month balance was paid in full. They put a "fee" on the account, which is really an interest charge when you read further. I shouldn't be charged for just using the card when I pay in full each month.

My credit card was originally issued by WaMu in 2009 and then reissued by Chase. My credit line was issued and kept at $10K. Today, I received a letter dated 3/29/10 indicating my credit line was reduced from $10,000 down to only $500. I was told in the letter and by the supervisor at customer service that my credit line was "more closely aligned with the way you use it". I was also informed by the supervisor that "we are a company that needs to make money". I only use the card for small purchases and not frequently. My FICO score several weeks ago was 814 and I was never late on payments, etc. The damage Chase is going to cause to my credit rating is outrageous. I also fear the same situation will apply to two other Chase credit cards.

Chase is literally ruining my credit.

Last year they sent me a letter notifying me that a credit card I had with them with a $3600 limit was closed by them because, according to them, I didn't use the card. Well, just today I received another letter from Chase notifying me that another card that I had with them that had a $15,750 limit was reduced to $500 because again, according to them, I didn't use the card enough. This is beyond ridiculous. To just cancel cards and reduce credit limits to something not even worth having a card at all is the absolute worst business practice ever.

I will never use my remaining Chase card (ha, no doubt that will be canceled or reduced to some ridiculous amount) ever again. In fact, I will never use Chase for anything ever again, not a credit card, a car loan or a mortgage. They have lost a good decent customer forever. My credit score is tanking as a result of their unwarranted actions. I could have trouble getting loans or other credit cards in the future because of what they are doing to me. It is outrageous.

I have just learned that my credit limit of 4700 was reduced to 2200 without notification. I have had an excellent history with Chase and have had the account since it was Providian's Get Smart Card then changed to WaMu. When I contacted customer service, I was informed that I would be receiving a letter in the mail and that the decision was based on usage. I had tried to use the card for a large purchase and was informed it didn't go through, this is how I learned that my limit had been reduced.

Chase is affecting the credit scores of good paying customers by taking this action. Due to the charge that I needed to go through, I asked them to go ahead and increase my limit. They did, but only by 500.00. I should have just let it go and canceled the account. The impact on my credit would have been about the same. This is terrible business practice and should be dealt with. Negative impact on credit history, humiliation from having a card declined, negative impact from having to run credit to re-increase limit to still less than original credit, which was previously increased for "excellent credit".

I have 4 chase Visa's that Chase acquired through buying up banks. Chase reduced my credit line from $8000 to $800 3.25%. Visa declined my cruise purchase of $3100 which was an old Wamu card. Chase raised interest rates from 10.24 % to 19.24% but left my $4500 credit line alone; it was a old Providian credit card. Chase raised my interest from 5.29% to 15.49 % but left my $5000 credit alone; this was a Circuit City card. Chase raised interest rate to 21+% and reduced credit limit to nothing.

My Fico was 801 and I used credit cards for vacations, travel, car repairs, home improvements, big ticket items. Now I will never use them except to keep active, transfer all balances, tranfser IRA. The lower credit score, low credit limit will soon affect other credit card companies to follow as to thinking I'm not worth keeping as a customer as they have no idea why my credit limit was dropped so low.

I have had a credit card with a $3800 credit line. I had this when this was with WAMU. I received a letter today saying they dropped my credit line to $500. The reason, my usage. This is outrageous. I pay my bills on time, I'm never late, I also have an auto loan through Chase which I am never late. My credit score is going to drop dramatically and this is not fair.

Today, I received a letter from Chase notifying me that my credit limit had been reduced from $14,649 to $500 based on usage. I have had this card since it was Wamu and then Providian which means I've had it for years. I've never been late, always paid more than the minimum and/or paid it off. Chase waited until I made purchases of almost $500 to lower my limit to that amount. When I called them, they adjusted the limit to $700 and would not budge from that amount. I paid off the balance after speaking with them. Even though closing this account will affect my credit score, I plan to do just that. I refuse to keep doing business with Chase if this is how they are treating credit worthy customers. It is clear that they only want to do business with people they can jack up. Something needs to be done about this company.

I had a limit of $2,000 dollars for over 3 years. I have a perfect payment history. Chase Card Services lowered my balance to $300.00 with no notice. I received the letter dated March 29th, 2010. I called when I received it and it was already lowered. I wanted to use it for home repairs and it was not available.

Yesterday, April 1, 2010. I received a letter from Chase reducing my credit limit from $9,000 down to $500. I have had this account since 2003. I started with Providian and was taken over by WaMu and then by Chase. I never carried a balance any higher than $1,500. I always paid 2 or 3 times the minimum payment. I was never a day late, always early. I have had a zero balance since December '09.

I called these ** this morning, April 2, 2010. The first one wanted me to submit an application requesting a credit limit increase (submitting to a credit inquiry that would adversely impact my credit score). His supervisor said that I could write a letter requesting that the credit line be restored. And he also told that there was no one any higher than him that would answer the phone!

To make matters worse, after explaining to him the business that I am in and that I deal with credit every day. He insults me by talking down to me and trying to convince me that the credit line reduction won't impact my credit score at all. My correct credit score is 817. I realize that closing the account will have a little negative impact on that. But I have credit card accounts with USAA, Bank of America, and Wachovia with $20k limits. I don't need these ***holes for anything.

So I demanded that he close the account at that moment. He said he did. I requested a confirmation letter that states the account was closed at my request. We'll see if I get it. I doubt it.

I understand that account holders like me who pay their bill, don't carry a balance, pay more than the minimum and pay off monthly are considered deadbeats to the credit card industry. I only hope that more people will cancel like I did. Thousands of people can make a difference. I know my one little account means nothing to them. They no longer mean anything to me!

I have a Chase credit card and several other Chase accounts. I also have excellent credit. Today, I accessed my Chase accounts online and found that Chase had reduced my credit line from $12,200 to $1,800. This account, which was originally a WAMU account, is almost a decade old, has never been late and is always paid in full. I usually charge between $500 and $800 each month on it. Like other people on this list, I called Chase and was told that the line was lowered because I didn't accrue enough debt on it every month. I asked them, "If this is what you do to your good customers, what do you do to your bad ones?"

They told me I could close the account if I didn't like it. I'm not going to close the account because doing so would damage my credit rating even more than what Chase has already done. However, in order to keep my credit utilization proportion on the card at about five percent, while still keeping the card active, I will charge no more than $100 each month on it. So, instead of spending $6000 - $9600 per year with this card, from which Chase earns between 3 and 5 percent in merchant fees, I'll be spending $600 per year. I'll also be moving my direct deposit from the Chase checking account that I have had for the past 25 years to a credit union. Good move, Chase. You just throw an excellent, long time customer out the door.

I used a Capitol One check to pay off the balance of my Chase account, but I made a mistake. I wrote the check for more than the limit on my Capitol One account, of $14,000. When I discovered my error, I sent a check under the limit for $11,000. Meanwhile, Chase had put the rejected check through twice, charging me a late fee and calling the second put-through a purchase, so they could charge me interest on it!

They not only charged the interest on the difference between the two of $3,000, but on the $14,000 returned, calculating interest of $177.83 on a balance of $17,510.68 plus an "interest charge debit adjustment" penalty of $76.36 for a total of $254.19 interest on a returned check they are calling a "purchase." In other words, for my miscalculation mistake, I am paying a total of $293.19 extra! Plus, they have kept the minimum payment at $287.00, even though the balance is now only $3.348.29.

What they have done to me ought to be illegal! They also jacked up the rate from 0% to 13.24% because of one mistaken payment the previous month, on which they understood I paid the wrong credit card by mistake. I got the correct payment to them, but late. They supposedly waived the late fee for that, but they jacked up my rate instead, costing much more than the fee! It is robbery what they can get away with!

They should only be allowed to charge interest on the difference between the two balance transfer checks, not a balance larger than either check alone! Can you help me fight this? I cannot believe their greed, and it only makes it more difficult for me to pay them off, which I will do as soon as possible and never do business with them again. The leeches!

Today, April 1, 2010, I received a letter from Chase stating that my credit limit had been reduced from $16,250.00 to $10,000.00 because, as they stated in their letter, that was "adequate based on past use". Who the hell are they to tell me what is "adequate" when I, with impeccable credit score, consumer-earned that limit by carrying this card for almost 10 years? With never being late on a payment, always paying 100% more than the minimum balance owed and they tell me what is adequate for me? How in the hell is this being allowed to happen to us consumers, legally? Where are our rights?

When I initially received this card, it was through WaMu and these jerk-offs took it over. Where are my rights? I just got off the phone with Chase and after speaking with the initial representative for about 5 minutes, and got nowhere, I asked for his manager, which is when Jeff, the account manager, got on the phone and after about 5 minutes with this "robot", I asked for his manager at which time Ron, the account supervisor, got on the phone. I demanded that my credit limit be put back where it was effective immediately or I would cancel the card. I was informed that they would have to do a credit check, once again effecting my hard earned credit score, and that he would not guarantee me anything.

It got to the point that through the fumes that were coming out of my ears, I realized that I was just speaking to "robots" and that there was nothing that this company was going to do or willing to do for me. So, as soon as I get done writing this email, I'm going to pay off the measly $2,000.00 balance that I carry, which by the way, I only carried so that this would not happen to me, and cancel this card. I hope that every other great, on-time paying consumer follows me and cancel their card. One of us might not make a difference, but if the thousands of us, that this happened to, band together it will make a difference!

Last week, I received a letter from Chase regarding my credit card that I originally opened through WaMu in August of 2008. I have not used the card in 6-8 months, and whenever I have had a balance, I have paid it on time and in full. The letter effectively said that due to my credit report, they are closing my account. My credit rating has only improved since I opened the account. Two other credit lines had their limits increased and I have not carried a balance in over 3 years.

They also said they were alarmed that I had a "sudden spike" on one of my other credit cards. I advised them that I pay off all of my credit cards every month. They asked me to fax them W-2's for both me and my wife for the last two years, our 401(k) statements, and our savings account statement. I checked with them the other day to see the status of their review, they advised me that they were still closing the account. Very frustrating seeing as how my wife and I are very credit worthy.

My total credit has been reduced by $5,500 and my FICO has been adversely affected. My wife and I are in the process of buying a house and this will definitely cost us more money with my lower FICO and make it more difficult to secure a loan.

On 4/1/2010 I received a letter from Chase telling me my credit line had been reduced from $6,500 to $1,200. As I try never to run balances on my cards I was surprised to see this reduction in credit. I am never late and I have never exceeded my limit. I have worked very hard to keep my credit better than good. My current credit score is 782.

My biggest fear is my credit score will be reduced because of this. When I spoke to someone about my credit line being reduced I was told that the new amount reflected my needs and Chase could then give the higher credit line to someone who would charge more than I do. I always thought my high credit line reflected being responsible. I don't know if there will be an outcome. What I do know is I am highly offended that Chase would punish me for being a good customer and possibly ruin my credit. I do plan on cancelling my Chase card.

Chase has been harassing me to close my account. I have only had a large balance since end of December 2009 for a dental bill and since then, Chase lowered my available balance. Now because they lowered the available balance, they caused my account to be in stress. They are calling me every day and sending me letters about this.

Today, they told me that if I don't close my account, Chase may arbitrarily revoke my account and close it and it's better if I close it. I have been a Chase Visa customer for over 20 years, have never missed or been late for a payment. The large balance is recent and I plan to pay it off in 6 months.

I have had WAMU/Chase Visa account for about 10 years during which time I have never been over my limit or late on a payment. On the occasions that I have carried a balance, I have always paid more than the minimum payment due. I always make some purchase with the card on a monthly basis and pay the entire amount well before the due date in order to prevent the card from being closed by Chase for non-use.

On April 1, 2010 when I accessed my account via the Chase website to pay my bill, I noticed that my credit limit had been reduced from $7000 to $500. When I called customer service to inquire why my account limits had been changed, I was advised that my balance had been reduced due to low usage. When I asked the representative what constituted low usage, he could not provide any explanation other than to repeat low usage.

I can only speculate that the real reason my limit was lowered is because I do not make a habit of carrying a balance limiting the amount of income for Chase to the two to three percent charged to merchants when I use my card.

My Chase credit card account (former WaMu) recently had its line of credit reduced from $6,000 to $800. I have excellent credit with a score that is +750; I have never had a late payment nor carried a balance. When I contacted Chase on this matter, I was told it was a result of a review that showed I did not use my full credit line, and therefore, they adjusted it to an amount that should be better suited to my needs.

I inquired what had prompted this and requested it be returned, as this would adversely affect my available credit which in turn would have a knock-on effect to my credit score. This is when they told me I could send a new letter to them advising them of my income and anything else they should consider and let them know what line of credit I would like to request. To this, I was dumbfounded, as they had just told they had reviewed the account and they have all that information.

Needless to say, I am paying off the small balance from this month and moving on. One other item this situation brought to light for me was that my interest rate had also been increased to +24%. Keep in mind that I have never carried a balance or been late with a payment with this account since I opened it with WaMu. It is somewhat comforting to view the comments from so many others on this board that have had similar experiences with Chase. I for one will not be using their services again. I will be pulling my credit report to determine the effect on my credit score.

When WAMU went under, Chase picked up my credit card. They gave me an $8,500 credit line. My FICO score is over 800. Since my interest rate on the card was anywhere from 20.24% to 23.24%, I paid the card in full each month with some payments over $1,000. Chase has just reduced my credit limit to $2,300 and without a line of cash credit. They say it is based on my usage.

Clearly, with $1,000 a month payments, I can afford to charge an $8,500 limit. Interestingly, Chase tells us how many months it would take us to pay off the balance if we used monthly payments and how much interest we would pay if we did that. However, it would seem they don't want conscientious people with good FICO scores who pay their bill in full each month. So, what do they want? Also, I only have $1,300 available on my $2,300 line despite the fact that I've only charged a little over $200 this month.

I counted on the $8,500 line of credit for emergencies which I now don't have. This has caused adverse effect on my FICO score without cause and adverse effect on attempts to obtain other credit since the reduction in credit line came from Chase.

I have had a Providian/Washington Mutual/ Chase credit card for over 10 years. My credit line was $15,000 and my interest rate was always below 10%. My FICO score has maintained 700+ for years. I received a statement in which my interest rate was doubled. I paid off the balance of $2,500 and the next month my credit line was reduced to $500. I have never been late in payments. I think something needs to be done with the Chase Co. I also have another card with them in which last fall, they raised my payment due from 2%to 5%. I feel this company is being very unfair not only to me but to others due to complaints I have read about. No other company that I have cards with has been this way. I do not know how my FICO score has been affected by such a drastic cut in my line of credit - but thanks to Chase, I am sure it has.

My account was transferred to Chase when WAMU failed. I have a 10K+ limit with them but never carried a balance (except for the 12 months 0% ). In November, I received a pamphlet that stated my fixed rate of 9.9% was going to a variable rate of over 21%. I went to my local CU and opened a new card with them but because of the credit crunch, they were not able to offer me anywhere near the credit line of Chase. Bottom line is I keep the card, which has no balance but stop using it. Today, I got home and there is a letter from Chase stating that they have cut my credit line from over $10K to $5,600, just about 1/2.

What annoys me is that I have never made a late payment, come close to my credit limit, etc. But this is how they choose to treat their customers with excellent payment/account maintenance history. Well forget them! I am heated and do not deserve this. They have no valid reason for doing it. This reduction could impact my credit score and that's not fair. I hope they go under!

I paid my credit card statement one day late and received a finance charge and a $39 late fee. Is a $39 late fee legal considering that my payment was one day late? At what point do late fees become punitive? I paid roughly $50. I called Chase, and they were extremely rude and refused to refund the late fee. They said they changed their policy and will no longer refund late fees. I plan to file in small claims court. The fee was really excessive.

A credit card security policy "designed to protect me" cost me over $250. I was living in Taiwan during 2010 and I needed to fly to Finland for a conference and decided to buy my ticket online at the Finnair website. Finnair flies direct from Hong Kong to Helsinki and the price was good. I was quoted 6,871 Hong Kong dollars or about US $855. I finished the online transaction and received an online confirmation of the transaction. Two days later, I received notification that my credit card had been declined. I had just used it to purchase the flight from Taipei to Hong Kong and my credit limit was far more than $855, so there should have been no problem (booking attempt #1).

I called Finnair to get them to key in the information manually, but my card was still denied (booking attempt #2). I next called the credit card company and after confirming my identity, I was told that there was a security issue. I was put through to a security person who checked my record and said that the purchase was declined to protect me. This was irritating because I had called the company prior to leaving the US to avoid exactly this problem. The person told me that the card was now cleared. I asked that a note be put into my account with the time I would be away from the US, including the dates that I would be in Finland. I thanked the person and went to bed (it was after midnight in Taiwan).

The next morning, I re-entered the Finnair website and repurchased the same itinerary. I again received email confirmation of the action. Two days later, I again received an email telling me that my card was declined (booking attempt #3). That night, I again called the credit card customer service department and was again put through to security. I again explained what had happened and was put through to a security supervisor. He reconfirmed my identity with many questions and brought up my account. He said that it was obvious that I always paid off my account every month and that there should not have been a problem. He reconfirmed that notes in my account stated the days when I would be away from the US and promised that the security limit on the card would no longer create a problem. I went to bed.

The next morning, I re-entered the Finnair website and found out that my $885 ticket was now $1131, an increase of $250. I did not book immediately. What was the point? The price would not change again soon. That night, I wrote the beginning of this letter and I again called my credit card company, went through the security process and was put through to a security person who seemed to know nothing except to follow a list of questions as to whether I had in fact authorized the $885 transaction, the one that had been denied (three times), the one that I had been over and over the previous night with the security supervisor. I tried many times to ask about security policies, to complain about my treatment and to tell her about the letter I was writing, but all she would say was "I know, but did you authorize the transaction for $885?". I became angrier and angrier, and finally asked for her supervisor.

After a 4-5 minute wait, a young man came on the line whose job clearly was to calm me down. I stopped him in mid-sentence and told him I had written a letter to submit to public forums and asked him to listen. I read the letter. To his credit, he did listen without comment. Afterwards, he again told me how sorry he was that this had happened and that he would feel the same way if it were him. Do you think maybe he was a Psychology major or was this just managerial training? It would have been funny if I hadn't been so upset.

I told him I blamed the credit card company for this problem and started to say goodbye. He said he wanted to call the Finnair to find out what the problem was. I found the number for Finnair and the credit card security supervisor started a conference call. We were eventually put through to someone in the credit card department. She was able to bring up the attempted bookings using the booking reference numbers and said that she didn't know why the card had been denied, and that she had no way of finding error message or similar to determine the source of the problem.

She and the credit card employee said I should try now to book the ticket. I went online and put in all the information yet again. I confirmed the transaction and told the woman the booking reference number. She then tried to issue the ticket, successfully. She claimed that I may have keyed in something incorrectly when I was booking previously and claimed that my first booking was under a misspelling of my first name. But this would not explain three denials. I later opened all the confirmation and denial emails from Finnair and saw that all the non-secure information was correct. The only way the information could have been correct was if I had entered it correctly, so I don't know what the Finnair woman was looking at.

I thanked the Finnair woman and said goodbye, but asked the credit card security man to hold. I told him that I still thought the fault lay with the credit card company, that I have had transactions denied at least 6 times in the past while traveling despite contacting the company before leaving. I then told him that he had been very helpful, but that I was still writing the letter. As far as I'm concerned, I paid $250 because my credit card company was "protecting me".

Don't ever open up a Chase Credit Card. They will scheme and defraud you by charging you interests even when you carry a $0 balance. Last year, even with my good credit, Chase lowered my limit from $10,000 to $4,600 without notification. I didn't mind as much, because I would never use a card that charged over 20% interest, anyways.

So just last month, I carried a $3,000 balance, and I made a lump sum payment of that amount to rid my self of credit card debt. I thought I was in the clear, but was I wrong. That scheming bank Chase Manhattan charged me $30.00 interest for nothing, saying it was for a balance transfer.

When I called Chase and complained, they told me it was a balance transfer that I did back in 2004. That's 6 years ago. So I asked, "How do you charge someone $30.00 with a $0 dollar balance?" They tried to give me a spill about past balance interests and crap and that this will be my last payment for the interest. But I highly doubt it and will be awaiting the next statement when they charge me interest again, so I can call and complain again.

Next time, I'm just closing the account. Be careful with their fraud protection schemes as well. I will never do business with Chase again. This is the first time I think that closing a credit card account will actually raise my credit score. Beware and stay away from Chase. They are out to con you out of your hard-earned money.

I have a legitimate business credit card account with Chase. I received a statement for the period 02/20/10 - 03/19/10, including a charge on 03/15 in the amount of $10, with the description, "Telecom Autobill Adj" with no telephone number or other information. I used Chase's online secure message service to inquire 3 times. Once I received an explanation of a different charge, the other 2 inquiries have not been answered. I tried to use Chase's online dispute initiation, but it would not offer me the choice of the account in question (I have 2 other non-business accounts). I could not find an address for a written inquiry so I called customer service, and the representative claimed no knowledge of the charge.

He forwarded me to a dispute resolution specialist, who immediately said that this was an erroneous charge from Chase, associated with a promotion for a billing service which should have generated some $10 credits for some customers, but erroneously generated a $10 charge for me. She promised to send a letter explaining the error, and to remove the charge immediately. If I had not pursued this issue aggressively, at a cost in time worth far more than $10, it appears that Chase would have taken my $10. This is gross incompetence at best, and may be an attempt to take money from customers who do not protest aggressively.

Some time ago, I was notified by Chase Bank that my two credit card accounts are closed. I had never missed payments and had set up Auto Pay with my Bank for the two accounts. So, after a couple of years paying with Auto Pay, I called to request paper statements. The Representative asked me why. I responded that since I don't have the privilege of using the cards anymore, I want to monitor the account and have a paper trail as I make payments. The Representative's reply was, "we want the money you took from us"! I said, "Excuse me, I took from you!" I responded with, "I remember Chase issued those cards to me and I made my payments!" His response was, "I'll take you off auto pay, and we still have to get our money!" It's just another example of how we are treated by the banks! The rep took it upon himself to warn me and accuse me of taking money from them!

I was not notified that my credit card interest rate was increased to 26% from a 16% for purchases and a 22 for cash. My agreed upon method of communication with Chase is by online statements and a message box. Neither of these online forms of communication were used. I believe it was underhanded and tricked me. Now they refuse to reverse the increase and let me close the account. They say because of the new banking laws they can't change anyone's account.

A bunch of lies as far as I can see. It kills me that after all they say is, "Is there anything else I can help you with today, Ms. Kelly? Thank you for being a Chase customer, we appreciate your business."

On March 18th 2010, I contact Chase credit card service to inquire about a lower interest, was told that they were unable to do so at this time. I told them at that time if they could not lower it that I would transfer my balance to a lower interest rate card. By law, they are required to do a graph on each statement showing how long it will take you to pay off the balance, by paying only the minimum payment. My Credit line was 3000, I had a balance of 447.00.

On 3/20/2010, I transferred that balance to a lower interest card, I was checking my Chase credit card account on line on 30 March 2010, and saw that they had dropped my credit limit to 500.00, called them to ask how and why they did this, and the only explanation I got was, because you are not maximizing your card, I opened this account 5 years ago with WAMU. I have never had a late or missed payment, and always paid double the minimum payment. I told the foreigner who answered the call that I don't see how you all could intentionally ruin a person's credit worthiness by doing such a thing. She only said, "I understand your frustration" bull. Can something be done about this type of business practice? If so please let me know. Nothing yet, but I am afraid that this will lower my credit scores from 742.

I paid my card balance in full and now Chase is saying I own interest charge of $68.80 because this is the "first time I didn't carry a balance in a while." Chase claims they can do this because it's part of the "agreement" I signed. It sounds like a total rip off!

Since moving to my present address in May of 2008, Chase Bank Collections have been calling me daily (up to five times per day) to demand for information about someone they call Monica Johnson. I have repeatedly informed them that I have been the only person at this number since May 2008, yet their harassment never ends. I am on social security disability and dying. This makes their continued harassment a criminal assault.

I am struggling to keep a positive attitude, in spite of living with unbearable pain from multiple medical problems that include a struggle with depression. Chase Bank seems intent on driving me to commit suicide with their continued harassment. If I die this year, I would like them to be criminally charged with their contribution to my death.

On January 15, 2010, I paid my credit card online. On January 27, 2010, I noticed that my $600.00 payment did not get deducted out of my checking account so I called and spoke to Brian at Chase. He said they never received my payment and they would not waive my $39.00 late fee. I immediately made another $600.00 payment and this payment was received. I understand late fees and was asking for a onetime adjustment since I had never before made a payment late and they said, "No, we make no adjustments." It was their company policy.

This past month, I was out of town on the due date of 3/21/10 but paid the bill on 3/23/10 when I returned. I was charged a $39.00 late fee. I spoke to a friend over the weekend who works for an Attorney's office. They said the new consumer laws state I have 15 days after the due date to pay without being charged the $39.00 late fee.

I have had a Chase credit card for about 3-4 years. It currently has a balance of about $2,000 with a remaining credit line of about $400. I pay at least the minimum amount (sometimes more) each month, never late. I was recently told my account has been canceled. This will surely negatively effect my already shaky credit score. What can I do to limit the adverse effects on my credit score? Did Chase unfairly cancel my account? If so, how can I go about getting it reopened, apart from contacting them (which I already did)? Thanks!

7 or 8 years ago, I was approved for my Chase credit card, with a fixed APR of 5.99%. In these 7 years, I purchased all my plane tickets, computer, laptops, and other electronic items on this card, as it has a fixed APR on purchases. Based on my good credit, they increased my credit line, and offered me one more card. Chase took over WaMu, which makes 3 Chase credit cards. Since last year, they started giving me a hard time, limited my credit line whatever my balance was. They increased the APR of 5.99 to 12%.

I called them and complained. They said no, it was never fixed APR. I said if that's the case, how come in the last 7 years, this APR never changed when it was variable. They gave no answers. This month, they increased the same rate to fixed 17%. This was ridiculous. I called the customer service immediately. I got the same reply, "well, we cannot do anything to help you". I asked for a supervisor or manager, and they said, "we don't have one, tell me your problem". I have closed all 3 cards. There was no sense leaving it open. One was already paid in full. That leaves only 2. My credit has always been very good, I was never late on my payments, even with other credit cards.

Chase is the only company giving a hard time to their customers. Most of my friends used to say bad things about Chase, and now I am experiencing it. I think they enjoy giving hard times to their own people, in times of recession, which is very sad and shameful. Customer service people, instead of understanding our problems, are very rude to us.

Every time, their answer is, "we sent you a letter regarding increasing the APR, accept it or close it". Is this the solution to help your customer in this difficult period of time? It's been 5 months since I lost my job. I am a single parent, trying to survive with my kids . Because of Chase, my stress increased. I am trying to make at least minimum payments on time, but now, it seems that it would never end. They increased the rate on all my credit cards, so basically, I am only paying the interest. They have limited my credit line. I can not even use for my other daily needs. Eventually, I had to close all 3 cards.

I had a credit with WaMu. After they were taken over by Chase, my credit limit was reduced from $3000 to $1700. I was told that they reduced my limit based on my credit report. I received a copy of all three credit reports and all of them showed no request from Chase for information. I called the 800 number for Chase tonight because I just found out that they again lowered my limit to $500. I have never had a late payment, overdraft, cash advance or any other negative or adverse activity on my card, yet I have been shamelessly treated.

Every person I have talked to at the 800 number says the same thing, "I am sorry, but I can not do anything for you. Can I help you with something else?" Are they reading from a script? We, the tax payers, have lent the banks billions and they cannot treat us as good upstanding people who deserve respect! I fear the America I believed in has forsaken its people. My wife and I are leaving on an airplane at 8:05 this morning for a 10-day house hunting trip to Kentucky. I will have to make different arrangement on types of payment since I no longer have a limit of $1700 on my Chase card. I'm sure my other credit card companies will not complain.

I have approximately five Chase credit cards. One card in particular was a WaMu card, until Chase took it over. That card had a promotional rate of 1.99% when it was a WaMu card, for the life of the balance. Chase had to honor that agreement when it acquired WaMu. The balance on this card was approximately $4,000. I went to my home in FL on vacation. The Chase envelope slipped behind a panel in my suitcase the day of the due date. I discovered the envelope the next day and immediately paid it online.

I called Chase to let them know what happened. The representative was extremely rude, treated me like a criminal, and told me that I would be assessed a late fee of $39.00 and that my APR would be increased. I was appalled by her behavior, and asked for a supervisor. The supervisor was just as rude, and offered me no sympathy. My next statement appeared with an APR of 29.99%. I called immediately to inquire. I got another supervisor on the phone. She told me with an attitude that I was in default of my agreement. There was nothing she could do. The seriousness of the fees and interest rates, along with the callousness of the representatives on the phone, proves to me that this company is corrupt.

Looking further into emails and complaints viewed online proves that this company intentionally defrauds customers and ruins credit ratings with no regard for the wrath they cause. This outrageous behavior by a major US Bank must be exposed, stopped, and penalized. Since this time, they have dropped my credit limits on all of my other accounts. I have a credit score of 701, I pay all bills on time. I have had three car loans with Chase, and paid them all off with not one late payment. I am president of two LLCs, own a home in Florida, and own and operate a limousine company here in NJ.

My daughter and I are co-owners of the card. Since I never use it, we called to have my name removed from the card. We have sent in the paperwork 5 times in the last year and a half and nothing happens. Every time I have called them, they said they have no record of receiving the request. I called again today and got the same old song and dance. No record of receiving the paperwork, even though I was given a fax number the last time and I also mailed the forms. I was told that they would send the paperwork again. This time, I will request a signed receipt instead of just a receipt. I am totally dissatisfied with this company and will try my best to get this problem solved. I also asked them if they could lower the interest rate and was told that there is no lower rate available at this time.

Chase cancelled my credit card. I have a good credit and I do not want this to lower my score. What can I do?

Chase has been a horrible company to work with. First, they closed my card without notifying me. I had never missed a payment, never gone over my limit, just had some high balances on other cards. This made me angry, but I'm actually glad this happened because it encouraged me to go online and research the company. While I was reading reviews, I saw many complaints about Chase placing charges onto closed accounts. The result is customers that don't realize they have a balance, late charges and a negative effect on credit scores. I'm so glad I read this!

When I closed my account, I asked them if there would be any additional charges. After being transferred twice, a gentleman told me that I would be charged a residual interest fee! I would likely have never looked at the account again. Yesterday, about 35 days after closing my account, a $1 fee showed up on my balance. I will never use Chase again for any reason, and will strongly discourage anyone I know or talk to against it as well. Thank goodness I had some warning and knew to expect the charge!

I made payment on my credit card 4 days before it was due. Chase did not get the payment processed for 5 days and I went over limit with another charge made on the card. I was charged a late fee and an over balance fee and my interest is now at 29.99 percent on all previous balances.

Chase Credit card has just closed my accounts or greatly reduced the credit limit. I have a 760+ credit score and have never been late on a payment. I purposely have used balance transfers to move balances to Chase because that is where I have worked for 25 years and I thought I was being loyal. I guess that was a huge mistake because now, because the exposure is more centralized to them, they are penalizing me. It's no wonder the consumers call us bankers "criminals", which is actually pretty embarrassing. Now that I am treated the same as the less credit worthy, I surely will not show loyalty in the future. I will be transferring balances because I get 0% offers on a daily basis. My credit score will go down because of this action.

I have been an excellent Chase Credit Card customer since 2000. My credit score is 700 or higher. My household income is about $100,000. Last July '09, I opened a checking and savings account with Chase and the representative talked me into another Chase Credit Card with a $10,000 limit. I have never used it. I have never used the other Chase card that I have. I had 3 altogether.

I have had my first since 2000 and it has always been the only one that I use. I own 7 properties and I have constantly carried a balance due to repairs and upkeep, etc. I thought we had a good thing going. I have never, ever been late with a payment. Last week, I received a letter from Chase stating that one of my cards had been closed. I called them and they don't like my debt load anymore! I asked them if there were any other surprises for me. She stated that the other card I got in July of '09 now has a $500.00 limit. Fine! Like I said, I have never used them. My problem was the action that Chase took against me lowered my credit score.

A few days later, out of pure disgust for Chase, I called and closed that card, with the $500 limit, myself. That night, I got two separate letters in the mail from Chase. One about the lowering of one card to $500, and the other for the one card that I actually use stating that the limit was being lowered to almost the balance that I carry! None of the reps that I have been speaking with mentioned this even when I specifically asked about my other accounts!

Bottom line is that Chase doesn't care. They know that we are in a serious recession, but they are simply covering their own ass! During the depression, this is how JP Morgan got so rich to begin with by screwing all the small guys over. I'm just one person so they don't care. I will pay off that card as quick as I can and never, ever do business with Chase again. My credit will recover and I will move forward. Of course, I will spread the word. Thanks for reading!

Chase Visa just charged me $39 late fee and told me that my rate was going to drastically increase. My crime? I paid my monthly payment too early. It seems that even though I paid them $250 and they credited me with $100 in instant cash, neither of those amounts counted toward my minimum payment because they arrived "before the end of the account closing period of the month before." I asked what had happened to my payments. I was told they were credited as overpayment for the previous month but I still owed for the next month ($56). I asked where this mysterious method of accounting was written in my information and even their representative acknowledged that it wasn't but "that's just the way it is."

I had a credit card with WAMU which was later acquired by Chase. What's ** me off with these crooks at Chase credit card is that I cancelled the card since November 2009 and just made a final payment on 03-06-10 of $4,718.17 paying the account off in full leaving a $0 balance which I confirmed via telephone or so I thought. Today (04-23-10), when I checked my account online, I noticed a $18.71 charge for cash/advance % fee and $0.04 charge for purchase % fee.

When I contacted a CSR, they stated that even though my final payment was made on 03-06-10 before the due date of 03-15-10, I still accrued % on the balance and that I cannot dispute the % because it is a bank related fee and f I don't pay, it I will be charged a $33 late fee. I think what these credit card companies are doing to their customers is unfair and a rip off. There have to be a way to stop them from scamming people out of the little money they have remaining.

Chase credit card keeps on billing me for a credit card which I closed last year. I have demanded a letter stating that they have closed the card and they say they will send the letter. A year later, they send me a bill for $1 with a $39 late fee if I don't pay it next month. I have tried repeatedly to try to stop this scam but they won't deactivate the card and now they're coming up with some type of false charges to bill me and fine me. What can I do? I would also like to have the Federal Government investigate and fine these **.

Their banking error led to my rate default. I had a (12 month) 0% intro rate card till November 2009. At that point, it was to go to 8.9%. Great deal so I transferred several thousand dollars over to Chase Bank. Then the problems started. They charged me interest several times, (remember the agreement was zero percent). I contacted them several times. They were always friendly and credited the monies back. In July, I called and they credited back the interest charges. At that point they said they could not place the rate back to 0%, but they would send the request to the corporate office. During that bill statement, it showed a "finance charge of $161."

I received a "letter" from the corporate office stating they "reinstated my previous APR. After I received that letter, I believed I would not be charged the interest from the last bill. I did not include the finance charge in my payment (because the interest was zero which had been confirmed by the letter from corporate office) the payment I mailed in was $55 short of the statement. (Or it was really $106 more than what should have been the minimum due according to the financial agreement). Along with that, I was credited over $700 in financial charge reversal. Well, the next month, I was placed in a default status of $27.99. I have the statements, and the letters. Are there grounds for a lawsuit here? I would really love to sue them.

When I tried to cash in my earned points on my Chase Freedom Card online, I learned my account was "unavailable." Puzzled, I called Chase credit card services to find out what was going on. They told me my account had been closed as of January 15. I had received normal billing for January and February and one due on March plus a "notification of changes to my account" in February that did not mention anything about my credit line being closed. My online account site showed the account to be open.

When I told the representative this, she told me that the letter went out in January. Then when I pressed her, she sad a letter was just issued. (This is March 20.) I have been a Chase customer for many years, and they hold my mortgage, my checking account, and two other credit cards, (one which was formerly opened with Wachovia many years ago and one which was opened with another bank that was acquired by Chase).

I have almost never been late in payment and have almost always paid more than the minimum. My personal financial situation is far better now than 6 and 12 months ago. My debt load has decreased by 50% while my income has held steady. My credit report has no major blemishes on it, aside from "high credit utilization" which is a result of Chase and Wells Fargo reducing my maximums several times over 2 years. (The Wells Fargo was paid off and closed.)

There clearly was no provocation for the Chase action aside from their desire to recoup the value of the points account and possibly to cash in on overdraft fees that may occur once my overdraft line is closed. (My checking account balance, in excess of $4000, makes an overdraft unlikely, but it could potentially have happened given my belief that overdrafts would be covered by the account and given my fairly high cash flow.)

After accruing over 8000 points over a handful of months, I was ready to enjoy some of the benefits of the card, only to learn they were not accessible, because Chase chose to close the account.

I think this is borderline fraudulent. A class action lawsuit is in order for those who have not been given a chance to utilize their points when the account, in good standing, is unexpectedly closed.

Meanwhile, Chase also decreased my credit line on one of the two other credit cards by 25%. This results in my credit report showing a high credit utilization on this account. This is visible to other credit providers and may damage my chances of obtaining a loan for my daughter's college and any new mortgage application. (I very much wish to refinance my mortgage to another provider now.)

This company is as crooked as they come. I had a fixed rate of 8.99 %, next thing I know it's 13.24, and it was applied to the current balance as well as new purchases. After contacting them, they tell me they had sent me a letter stating the change (they did not). I have kept all statements and letters from Chase, and have never seen this letter. I think they are trying to take advantage of the people that actually pay their debts to try and make up what they lose from people that do not. Since my wife passed away, I am trying to pay my debts from one income. I was in doubt that I could do this, but to this point I have been successful with a little help from working more hours, and cutting back on unnecessary purchases. Now, I don't know. Something needs to be done. This is just plan criminal.

I paid off my account in full in January. However, they received the payment 2 days late and charged me a late fee. I was not aware that there was a balance on my account the following month, and they charged me a second late fee. When I found out, I called to pay the $50 fee via telephone. I also closed the account at this time.

The following month, I found out my check was returned due to an account number error. They charged me an additional $40 as well as a $15 late fee. They removed the last late fee and I paid the rest over the phone. In total, I paid about $100 in fees due to a payment that was 2 days late in January. Also, they closed my account with a balance still on it, which my credit does not need. I just received a bill for $1.50 interest despite the fact that my account is closed and I paid all the fees they wanted me to pay. This is ridiculous. Economic damage: $100 and hurt my credit score. I'm most upset about my credit being hurt from this transaction.

Chase Credit card is what I have. I always paid on time and I paid more than the minimum payment. To my surprise, since I had not charged anything in over a year, they closed my account and boosted my interest rate to 29.99% which caused my payments to go up and a larger payment to pay for the interest. I still have a hard time figuring out why they boosted my interest from 7% to 29.99%. How can they do this?

I made a payment via United States post office on March 9th 2010. As of today, March 19th 2010, they still have not credited my account with the payment which was the payoff balance. Fortunately for me I was watching my activity online. Good thing I was, had I not I would be getting a late fee. I was forced to make another payment through the internet in order to avoid a late payment.

I will give them a few more days to credit my account with final payment but may have to cancel my check and send another via internet or another through mail (certified). This is not the first time a final payment of a credit card has been late, however I cannot say the last time it happened it was with Chase, I don't remember. I have opted to cancel all credit cards as I have developed a huge distrust for every last one of them. I will only be dealing with prepaid credit cards from here on out.

Chase Bank is hands down the worst bank to deal with and worst in charging their costumers fees. I was with Washington mutual for many years before it become Chase. In the past year I have been charged $1,000 in overdraft for less then $300 worth of purchases. Now the biggest problem of all is how they charge these fees. They wait until your account is close to negative then drops the highest purchase you have done (that could have been done over 1 week before) to later charge you overdraft fees on small transactions of $.50-$10.

Now the most recent issue I had with them is one of my accounts was -112 all from overdrafts I felt I shouldn't have to pay for ($10 in purchased $100 in fees). They took out all the money I had in my other account to put in the other account to then turn my account that was positive negative so they can charge me 3 more overdraft fees. I'm beyond irate with this bank. I'm disgusted with their employees who never seem to be able to do anything and with the bank's system that forces accounts to overdraft.

My credit is ruined. My friend died last April. He had a Chase Bank credit card. I explained to customer service that I received a letter absolving the debt. The bill is $4400. The credit company is making me accountable for his account. I did not know I was listed as an account user, therefore, I should not be responsible. My name was not on the account for billing or otherwise. I am mad as hell that this has ruined my credit and ability to make purchases. This is a drastic change in my life.

I tried to pay my credit card bill online but made a mistake, writing for a $100 payment instead of $1,000. When I tried online to pay the balance off in full, the computer said that I could only make one payment every three days. I called Chase and they said they could not put through more than one payment online or via the phone every three days. As a result I am accruing interest even though I am completely willing and able to pay off my card in full oline or over the phone. I have canceled my account with them.

I did an online transfer from Chase to pay my Discover with so many days, no interest on 12-28-2009. I have received a couple of statements and been online several times. I called and now sent them emails to find out in writing when my exact due date is so as not to incur the interest. I still have received no answer. I had a Sears purchase with no interest; they noted on each statement when to pay not to incur interest. Every time I logged in to my account and the note came up and reminded me the closer I got and then the last month, I received several reminder emails.

I have a credit card account with Washington Mutual. Chase bought the account. The interest rate was 14.24%. In January 2010 Chase jacked it to 29.99%. They cancelled my card July 21, 2009. They refuse to do anything about it. Where are my senators and congressmen on this one? Over 20 years in the Army I did my job and protected them. Now they let these bums take my bailout money and put their grubby hands in my pockets. Thanks for nothing.

I know this is the wrong site for my issue, but I need someone to call me. I need my card renewed, and all I get when I call is choices. They do not let me talk to a human being! My card ran out in 2009, but they took my payment in Feb. 2010 with no problem. I need my card renewed, or I will find another company! I need my card for trips that I take fairly regularly.

I have been a customer of Chase Bank since 1993. I have several accounts with them as well as investments. I had a credit card with Chase which I received due to my good credit. My interest rate was at fixed 6.59%. Because of the new laws, I received a notice from Chase that my rate would increase to 13.59%. The only other option I had was to close the account. The reason why I opened the account was to use the card during emergency purposes and home repair. I decided to keep the card open. Due to economic reasons, I experienced a reduction of income and also had major surgery last year. I had to use the card in order to get by.

I was encouraged by a Chase Credit Card representative to use the card on a more revolving basis so that my interest rate would stay relatively low. During Christmas time, I accidentally went over the limit by $6.39. When I realized my error, I made a non-scheduled payment of $100.00. I had never been late or gone over the limit the entire time I had the card. I had always payed over the minimum as well.Yet Chase saw it fit to charge me the fee and to raise my interest rate to 23.99%.

The only options that was given to me was to pay that rate for at least 6 months and then they might evaluate me to see if I was worthy of a rate reduction or to close the card. I was given to a supervisor (which I highly doubt was the case) and was told the same thing. I chose to close the account. Not only am I closing the credit card, but I am closing my other accounts, including my investment accounts with Chase. For $6.39 and over 17 years of loyal patronage to this company, this is the treatment I get. They don't get to keep my business.

I will have a dent on my credit scores due to having to close the credit account. This will also make it hard for another creditor to lend me money so that I may pay Chase off and make my payments easier to manage.

Chase has arbitrarily lowered our credit line three times now, each time saying that it is because we are using to large a percentage of our credit line. But we are not using the card! Per percentage goes up because they are reducing the line. Then they have the audacity to say we are using to high a percentage of our line! It's maddening! We were unemployed for nearly 12 months last year and never were late with our mortgage or any other bill. We used our credit card to pay our bills when the severance pay ran out but we never maxed them out or made a late payment.

In mid-September 2009, Chase sent me a flyer with my monthly mortgage statement, offering to re-finance my mortgage from my current rate of 6.5% to 4.75%. After finding out more details, I paid Chase $750.00 to refinance my loan. My credit score was over 800. Over 4 months later, after no re-finance occurred and the rate-lock and the paperwork had all expired, I asked for a refund of the $750. To this day, I have not heard any apology or explanation of where my money went and I am unable to get my money back.

I have e-mailed Ms. Sheryl L and Ms. Nadine M numerous times, both before and after the paperwork and rate-lock expired, asking for an explanation. I have since begun the re-finance process with another company. As far as I am concerned, Chase committed a fraud and a theft. I paid them $750 and received nothing in return.

I have been with Chase Visa for several years now, never late and always paid more than my minimum limit. I have always been at 10.24% interest rate and today I went online to pay my bill and it showed that it had been hiked up to 17.24%. I called Chase and I was told that the rate hike was due to some new law and this was on my whole balance not just new charges, I told them that this was ridiculous that we had received a notice stating that they may do a rate hike on certain customers and this notice was just a generic notice to addressed to us.

I told them that this is unfair and that I will report them because this is illegal all they could say is "Sorry you feel that way". I told them to cancel my account and that I refuse to pay the balance at the higher interest rate. I have been unemployed since 1/2009 and still can't find work and we are barely making ends meet and this rate hike will be over the top. Does anyone know who else I can call/contact to get this reported and hopefully resolved?

Due to this rate hike our minimum payment has gone up, I have been unemployed since 1/2009 and barely making ends meet, I cannot afford to pay an additional 5% interest on charges which we agreed to pay 10.24%, now this will hurt me financially and credit wise.

I paid the full balance of my Chase credit card and my payment was received on 2-17-10. I called and got the balance (because I had already made that months payment I needed an up-to-date balance) and made payment the same day. Less than two weeks later, I called to check to make sure my account was at a zero balance which it was. That should have been the end of it but I was shocked when I came home and found a statement from Chase in my mailbox today (3-12-10). I was even more shocked when I found I had a $2.58 balance that would be due on 4-5-10.

I immediately called thinking there must have been a mistake since I had not received an statement for March. No mistake. I somehow owed $2.58. The customer service rep was no help. She said there was nothing she could do and balked when I insisted it was not good customer service to charge people an interest charge on a zero balance. She insisted the charge was legitimate and there was nothing she could do. I asked to speak to the supervisor who told me the same thing. At this point I was upset. Even if I paid the $2.58, what would stop them from charging me interest on the $2.58? I told the supervisor that I was not comfortable doing business with Chase any longer if they were not willing to remove the charge.

I don't know how this guy ever became a supervisor because he was rudder than the first person I spoke to and he was totally incompetent. He actually said he was sorry I felt that way! Are you kidding me? This idiot was willing to lose a customer over $2.00! I told him I would pay the $2.58 over the phone and I wanted to cancel my account. He transferred me to an automated system but I was transferred to a person when I didn't put in my account # quick enough.

Imagine my surprise when as I was giving this new guy my information, he offered to remove the charge! I didn't even ask or start whining about my experience. He offered all on his own. I quickly told him a short version of the story and asked why I was just told something different and he had no idea. He seemed shocked that the supervisor would not remove the charge for me. After talking for a minute, I thanked him for removing the charge and got off the phone. I was so angry about my experience I called back a few minutes later with the intention of leaving a formal complaint.

I spoke to another person who after hearing the story apologized several times and offered to reopen the card so I could redeem some stupid points. He was nice enough but I doubt he forwarded my complaint to anyone since they don't have a complaint department. I'm still in shock over the whole situation. What a bunch of crooks! I will be taking my stand by boycotting this horrible corporation and I encourage others to do the same. Shame on you Chase!

I can't believe how these banks conduct business on a daily basis especially Chase. It's unconscionable the way they are taking advantage of their customers that are paying their bills. I received a statement from them printed on 2/5/2010 showing the balance due of $11,909.15 due on 2/24/2010. I paid the balance in full before the due date. I received the next month's statement printed on 3/5/2010 showing they received the payment and applied it to my account.

Maybe I'm from another planet but I assume when you pay your bill in full by the due date that the balance would be $0! This is not the way Chase sees it. They charged my account $74.77 in interest charges. When I called them for an explanation, their response was "when the bill was printed on 2/5/2010 this is what the amount due was".

When they received the payment, even though it was received by the due date, there was interest charges accrued daily till the payment was received. What an unscrupulous way of doing business! I think it is immoral and misleading what they bill us. How do they expect us to pay what is due the minute the bill is printed? It's just another way for them to squeeze out every last penny from their customers. Even the customers who pay off their bill!

We are the ones that are trying to keep this country's economy going and to keep banks like Chase from needing a bailout from the government (which come from our pockets again). I am going to cancel my credit card and never do business with them again. I will also file a complaint with the Federal Trade Commission. It's just wrong the way they mislead the consumer! Chase collected an additional $74.77 in interest charges from my pocket after I paid off the balance.

I am currently financed at 6% interest with Chase. My loan was with WAMU and then Chase bought them out. I was sent paperwork for a 4.25% interest rate through an advertisement sent by Hal ***. Of course, this was a bait and switch tactic. That rate changed after two days to 5.25% and I had to put down an additional $100,000. Since it would save me some money and allow me to lower my payment, I went along with the deal. This started last November. Needless to say, they are so unethical with the way they are treating people. My husband credit score is 835 and he has $900,000 in reserves in the bank personal account. Now remember, they already have him financed but after jumping through all these hoops, they turned down the refi yesterday. This is a scam and it should be stopped.

These people are just getting people to pay $750 for the loan application and pay for appraisals as a way of making money and they never intend to refi. Thinking about it now, why would they? They have now wasted five months of my time and they are still going to get the money for the higher interest rate in the end. This must be stopped. I run my company and this has been such a waste of my valuable time but Chase won again. They prolonged my refinance package for five months and prevented me from going with other banks to refi. Now, the rates have gone back up. Chase is scamming people and they must be stopped. My story reads like everyone else on this site, almost identical.

Do not now, nor never have had (to my recollection), a credit card through Chase Bank. However, recently, I received notification from Chase signed by Deb W. referring to my account "ending in 1159".

Has my identity information been compromised? This company sends so many opportunities for a credit card, to which I have not responded. Although, I attempt to shred all of this type of mail, could someone have gotten a hold of one and opened a credit card? There is no telephone number of the two papers I have received with which to contact Deb W., Executive Vice President, Customer Experience.

I must say I have never been very happy with Chase. Depending on with whom you talk, you can easily get a plethora of different answers, none of which ever matched up. I actually had an employee at my local Chase bank open a credit card under my name after I clearly said I didn't want another card with them. So when the card came in the mail a few weeks later, I was furious.

The guy who did this didn't even seem apologetic. He just tried to talk me into keeping it, saying how it was better than the card I have now. I was livid. I didn't want another card, and I worried it would lower my credit score. I will have paid off my Chase credit card by next month, and then, I'm getting out of there. I hate them so much. I recommend watching everything Chase does and reading everything they send you about your card and accounts (even the fine print), since they are betting most people don't read this information.

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 if their actions hurt my credit score. I would call that definite economic damage.

I am requesting you to 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.

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 was 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 two 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 absurd. I followed everything in their contract.

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.

One final update, I cancelled my credit card and paid off the entire amount I 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 overturned.

The representative 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 representative. 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!

This caused aggravation and I've had a migraine headache ever since dealing with these people. The late fee is going to tarnish my credit report.

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 that we paid the cards off. Then, I got two letters saying that our account balance was lowered from $1,250 and $1,000 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. How will I be able to ever get a balance of zero? This is unfair!

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 erroneous late fee charges, and after my own experience, I smell something funny and I hope others complain to the BBB too.

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 two other checks. The two checks I mailed with it arrived and cleared my bank in five 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 five 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, "It's done by machine the day it arrives. It's 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 it was processed is proof enough. There's something wrong with this whole situation and I'm going to the Better Business Bureau.

WaMu became Chase last year. Chase removed our overdraft protection without our permission. We were told that they had send out a letter in 10/09 informing about the changes with the overdraft protection. We never received any letter from them and now, we are 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 ** when we signed up for a new checking account in the future and that she would reverse the fee if we 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 illegally removed the the overdraft feature. They must reverse the total fee of $294 and reinstate the overdraft protection which we had initially signed up for.

I've been with Chase ever since they bought out WAMU bank. I have a balance I'm working on paying down, I accidentally made my monthly payment a day late which caused a late fee and 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!

I got a letter from Chase stating my rates have changed, with my card ending in XXXX. But I do not have any credit cards from Chase?! No phone number on the letter to call. It simply says, "call the number on the back of your card."

I am what you would call a by-the-book person. We recently checked our Chase statement and discovered that the interest rate doubled. We contacted Chase customer service and tried to negotiate with the rep. He informed us this had nothing to do with the current state of the economy and that we received a letter stating the change was in effect if we did not call and either cancel the card or agree to the interest hike. Why on God's green earth would I agree to have my interest rate double or cancel my credit card to have an adverse effect on my credit score? This is a direct effect of the Obama administration and the bleeding heart liberals that voted him in. Where does this leave us? The hardworking middle class that pay the majority of the taxes in America.

Chase needs to be shut down by the government! This is downright theft over the working class. Let's not forget not so long ago when Chase begged the Federal Government for bailout money! Where did all those millions come from? Answer: The working middle class! Know the working and tax paying middle class takes the hit from Chase. It's dead wrong!

Chase is actually the company that holds smaller cards, like the TJX Rewards cards. When I signed up for the TJX card, there was no documentation that it was actually a Chase card. I received a letter from TJX notifying me that my interest rate was going to be converted to an adjustable rate. I would never agree to an adjustable rate anything, so I canceled the card immediately.

Three months later, I received a letter from Chase that was to be effective 3 weeks before I received the letter. What was notable is that (1) the account had been closed for 3 months and (2) there was no contact phone number, contact address and name absolutely, no way to respond to the letter. The recommendation was "Call the number on the back of your card," which I don't have because I closed the account and cut up the card.

I went online to both TJX and Chase. Amidst all the proclamations of so easy to contact, there were phone numbers and e-mails for everything except a non-business credit card. I knew that from prior experiences. In the past, my husband and I have diligently closed any accounts we may have unwittingly gotten that were actually Chase cards. Chase does not close the cards though they tell you that they are closed. We have even received letters confirming that the cards are closed. Then we will receive mail regarding our accounts ending in XXXX.

The closed accounts routinely show up on our annual credit report. To actually close a Chase account generally takes lots and lots of detective work and at least 5 contacts via phone, letter, whatever.

Chase continues to act completely insane. After raising my payment to 5% from 2%, which caused the amount they demanded to be more than my monthly income, they have for 5 months now refused to lower my payments at all. I do not qualify for a hardship program because I don't make enough money. They also never offered me the option of keeping my payments at 2% if I allowed them to raise my interest rate to 7.99%.

For 40 years I had perfect credit, but they have completely destroyed it. It will be charged off at the end of this month and they still refuse to lower the payments and insist on not only the tripled payment but the tripled payment times the months delinquent plus the added higher interest and late fees to get it current. This is discrimination and it is forcing me to file bankruptcy. It isn't an option right now because all lawyers want at least $1,300 upfront before they will lift a finger to do anything. The filing fee is $299.

I could complain to the OCC, but this is their fault. They are the ones who encouraged the credit card companies to raise the minimum payments to help us pay our balance down faster. Exactly how does not being able to make the payment help you to pay your debts down faster. Their salaries are so bloated that they are completely out of touch with reality. Maybe these fat cats need to have their house and car payments tripled, and told that it is not negotiable, so they can see how fun it is.

I don't dare pay my other credit card companies anything if I file because they will have to pay it back to the bankruptcy court since it will be seen as an illegal preference. Never in my entire life have I ever missed or been late on a payment until Chase pulled this crap just because they could. The collections people won't take any lower payment than the ridiculous 5% payment. They would rather get nothing than accept a lower payment even after it is caught up. They have not only ruined 40 years of perfect credit history but my entire life.

Chase credit card is the worse credit card I have ever owned. While other credit card companies are somewhat lenient/ kind enough to grant you a one time waive on a late fee for being out of town, Chase credit card refused! I found that extremely unfair since I always pay the entire balance each time and this would have been my first offense. Not only that, they stated they couldn't even waive the interest. All the customer service reps had attitude, so I cancelled my card right away not wanting to deal with such a horrid company. Of course, in cancelling the card, I asked for my entire balance.

I subsequently paid off the amount, they told me that very same day hoping to rid myself of this card. Few weeks later, they send me another bill owing more. On my statement it showed that I paid the balance off on 1/27 showing no use of the card following that date. Last purchase was made more than 4 days before. I called, and the customer service person states that the transaction was not processed until after my balance was paid off, so I owe more. Seriously? It takes this bank more than 4 days to process a transaction? I'm just very annoyed at Chase and would never, never use another credit card from them again. Hello American Express! Unwavering and disloyal to good customers. I hope this message will steer people away from Chase!

I have used Chase since 2001, and was never late on a payment. I was sent a letter that my credit balance was being reduced from 20,000 to 12,000 and they stated the reasons why. Both reasons were inaccurate. I called the lending dept. and Renee told me, "well maybe the reasons were not correct". I told them that my concern was not using the remaining balance, but the result ending in my credit score being lowered. They could have cared less. I will never do business with this horrible company again! Damage resulting in lowering my credit score that I have always worked so hard at keeping above 750.

Submitted electronic payment (Feb 12), four days before due date (Feb 16). Chase claimed wasn't received until Feb 17. I was charged a $39 late fee. I called customer service and they waived the $39 fee. I was still charged the interest of nearly $29. I find it unbelievable that it takes five days for an electronic payment to be received by Chase. It should only take a few seconds. I understand my bank says to allow 2 days for payments to arrive and Chase claims payment must be according to business days but this is all ridiculous. Even with that my payment should have arrived on time. Anyway, why should my bank take two days to process an electronic transaction? Why should Chase only operate on business days when the transaction is electronic?

I had a $341 credit card bill. I always pay on time. In February, the Washington DC area was hit with back to back snowstorms that paralyzed the area. I had the bill in the mail in time to reach Chase but because of the severity of the storms, there was a state of emergency and no mail delivery for 4 days. I received my new bill and had a late fee of $44 dollars. I have never missed a payment in full to Chase. I asked to have the late charge removed and the Chase employee said there was no recourse. I am canceling my card and will never do business with Chase again. There was no concern on the other end. I will strongly suggest my friends not to deal with Chase.

I am a victim of a bank buyout, used to be Providian now bought out by Chase. I lost my job for a couple months. I was late a couple of times by a couple days only, my interest rate is 31.99. I called to see if I could get this interest rate lowered. The rep I talked to told me I wasn't special. If they did it for me, then they would have to do it for everyone. My bill every month now is a big chunk of my money I have to work with.

It is February. I couldn't pay both my credit card and my heat so I don't have any more or cooking or hot water, but they are getting their money! I work two jobs to catch up. I begged them to be kind. I asked to speak to a supervisor. He too I could not understand and told me the same thing that they refused to help me. This is what we get for bailing out the banks so these robot uncaring people could keep their jobs. I have never done this before and I don't want to stop here help!

The person who called my cell phone from a blocked number is Jennifer. She asked me if I intend to pay the debt and I said yes but have no cash on hand and work on commission. I told her I have a $500 check and I am overdrawn on food stamps and county medical. I told her that I have cashed out my 401k last year to make minimum payments and do not have any more money to make those minimums. I told her I sold my car and trying to cash out what might be $1k in old stock from working in retail in my 20s.

She said she has to mark my file either that I intend to pay or I do not. I said I do want to pay but right now I have to choose between paying debtor or food and shelter. I told her as soon as the economy comes back, I will pay. She asked if I can borrow money from another line of credit to pay her company. I asked why I would borrow anything if I can pay anything. She said that because this debt is late. I need to pay her and then maybe try to move the debt around until the economy comes back. Then when I asked how often her company has been calling me, she transferred her boss on the line. He said, "Ms. L, this is Mr. L." (Funny, Jennifer and Mr. L kind of like my name, huh?) He told me in a patronizing tone of non concern, "You have an agreement and you need to get your priorities straight."

I thought what happened to the conversation I just had were I said I am hardly able to pay for food and a place to live and have exhausted all resources and do not plan to borrow more money to pay 60% fees and penalty on a 40% principal. "What?" I asked if he heard any of the conversation and he just started talking over me and so I did the same until I called him an *** and few other things. And I am right. He is an ***. Matt *** is his name supposedly. He said he is going to show for the record that I do not intend to pay after I said I do but just do not have the money. He said that since I called him names, it is clear I have no intent to pay.

Damage? I am screwed. This is just one of many debts I cannot pay. This is just harassment. Something needs to be done for the people, starting with companies such as this one would be nice. Everyone who has lost their job everyone who cannot afford to live, this is not just about me. Someone has to bail out the public. Help! Help! Help! We are drowning, all of us. This is class war fair. People cannot pay and they are the machine that has always worked hard to make these *** wealthy and now the *** want to jerk us around even more. The world cannot pay enough to right these wrongs. We need to shut down evil companies and socialize the majority of our services in lending, medical and education. Since that will never happen, we will all crumble.

Today, I received a letter from "Chase" with credit card ending 2121. I have no knowledge of this account except that many years ago, I cancelled an account with Chase and received a confirmation of that cancellation. [They] do not provide a phone number in order for me to inquire about this so-called credit card. Please confirm this e-mail as soon as possible and let me know what this is all about. I do not wish a credit card with Chase.

I have been with Chase for a very long time. My credit rating with them is excellent. The problem when I subscribed to Chase ID Protection, they immediately started billing me twice a month for as long as I have been the holder of my card. I have talked to them numerous times but they refuse to correct the over-charge. It started on one card than that card was closed due to Fraud on the original card by way of the internet, so they carried the Chase protection plan to the new card, plus adding a newer contract for Protection without removing the old contract from the previous card. I feel that I am entitled to be compensated for all the monies as far back as July 15, 2008. They continually over double dipped charges to my account on a monthly basis.

Secondly, when I pay on line, they refuse to correct the spelling of my name, even though I have called, written and phone so many times I have given up calling. The name they use at the website is not the same name on my credit cards which is correct on the cards. We have obtained a home equity line of credit for $250,000.00 in 2006 than they reduce it in 2009 to $171,00.00 than within 4 months in 2009, they cancelled the $171,000.00 leaving us nothing to finish the jobs we started in our home.

If we had been dead beats, I could see them doing that to us but we were law abiding citizens being ripped off by the banks, as they gave out fraudulent loans to people that were no more worthy of the loans than a thief. Now all of a sudden, they are going to close the doors on even the good people who paid their bills monthly, never abusing their credit with any bank. We even have high credit scores to defend our position. High 700's and low 800's. Does that say something? This line of credit was a binding contract yet, they without notice just took it all away with no questions asked. Where were our rights?

I feel that Chase has never fulfilled their fiduciary dues to us as customers of their service. They blatantly refuse to correct errors that they made on my accounts even after they had been notified on numerous occasions. I have also been informed that the Chase online internet service is handled by the people of India when paying for your bills.

The consequences of what they have perpetrated on us is a home that have rooms that have not been completely remodeled, so part of the home is up to date in the (21st century) and part of it is in the 1960's. If we had known that the banks were going to break our contract with the stroke of a pin, we would not have done anything to update our home. We would have let it deteriorate, but since we were born with pride and respect for our property things have to be updated every 20 years or so. It is the American Way of Life to keep things, clean updated for our future and our own neighborhoods, so they do not become down trodden. If you want to live in a 3rd World than you don't have that privilege as we do in America. But, as I write this I realize we are even losing our rights as citizens to do the most basic things to our homes, because the banks have us by the throat, so as to deny us that right. Or put it another way; this Country is heading South to know where; as it is being morphed into a third world socialist country.

The banks were so willing to throw our money away to people who could no longer afford a house payment for not even one month, and they were living better than us who did the right things all of our lives and than have the banks come down and smash us once so that we can't continue the final fix on the house was an insult to our well being as citizens of America. We are losing our own Country and the principals we stand for by the mishandling of our financial institutions by the biggest thieves in America's history.

I am sure Chase recovered all their money when Secretary Treasury, Paulson gave the banks back billions of dollars. He rewarded them for their evil ways. How corrupt and shameful some members of congress have become. I have nothing more to say because the destruction of this Country seems to be out of the hands of the voters.

Yes, my complaint is I was told by them that my credit card was cancelled due to non usage approximately 30 days. Today, I received from that all my accounts were lowered to just about the amount owed on them. Their reason is that credit limits were lowered on account of to high balances on them and to many open accounts. The most I owe them is around $2000.00 per card. Total of around $12,000.00 owed then as with no Cola this year, it is unpleasant to me as I now must for car tags by cash or check.

Now I must have cash on hand to pay for (3) home insurance policies and car insurance by cash or check. Now that this is stupid of them and their interest rate is 50% of the minimum payment. As we, the tax payers bailed them out why so much interest on there cards as if I wanted black market interest. I could have gotten that from the loan sharks. To me, this is outrageous for them to do this as they say I am a valued customer of theirs as most accounts have been active over 10-15 years. Now they pull this.

As they say, it's all due to the new government regulations what has changed so much in the last year as they are as bad as BOA they rob the Seniors but they say, it is normal all credit limits are being cut to as low as possible even if you pay monthly on time or before it's due as this is a dirty little trick of theirs . No way that people on low or limited incomes can afford this and it's got to change. Somehow they give you a high credit line then cut it way too much. As most cards had over a $ 10,000.00 limit and now down to a little over $2000.00 now. As we use them for Doctor visits and medications we need monthly and for insurance to keep it current as there are no options but a one time payment in Florida as it has to be paid in full same with Taxes and License for an automobile.

As they think you should file bankruptcy and then your credit is done for 7 years. This way, they get to write in the red again and get government money to run on just to pay their top people super big bonuses at the end of the year. So the Fat Cats at the top can live above their means. This is all due to the government and tax payers dollars bailing them out of the whole when they went under and wrote in the red?

This hurts as we pay for medicine on credit cards as for the Doctors. Then home insurance car licenses and taxes, so we can get a small discount on these as most don't have payments on them. But we need to see our doctor every 3 months and get 90 day supply of medications this way, so we can save money to pay off these blood suckers. They don't care about the small people but we pay our bills on time every month. As they used tax payers money to get back on there feet.

I recently upgraded my Starr Card. The upgrade was through Chase Bank. On my very first statement, I got a late fee, and after that I closed my account. On my second statement, it was the same thing. The reason for the late fees according to them is that I pay to early. My payments are due on the 27th of every month. I give all my payments on the first or second of the month. When I spoke to an accounts manager, she gave this bogus story. She claims I give my payments before the new cycle starts. My question to her was, "How come the due date didn't change?" Normally when there is a revolving cycle, the due date for payment changes as well. Then, she went off to say something about congress or the government, that they were the ones who instituted the billing cycle issue.

I just received letters from Chase stating they decided to close my credit card accounts. I had 2 credit cards; one from Providian (which turned into Washington Mutual) and Chase. The other was opened under Washington Mutual. They reduced my credit limits for no reason months ago. Now they canceled my cards because they did not like my credit report and that my balance was too high compared to my credit limit (the limit they lowered). I have never missed a payment. I pay much, much more than the minimum due. I don't understand how they can treat good customers like that. The kicker is that one of my cards was a flexible rewards card.

Not only did they cancel my card but all my reward points. I lost 44,777 points. They told me they are gone and there is nothing I can do about it. I cannot redeem them after the card is canceled by them or me. I have been saving these points up for many years (ever since the card was Providian). It does not seem fair, at least give me my reward points. Can they cancel without any form of notice? They can keep the cards if this is how they treat good customers, I do not want them. They did not have to keep my points as well. I will be closing the checking account I have with Chase. They lost a good customer.

On December, I received a page of checks from Chase offering me a 0% interest for several months if I would like to pay off credit cards to consolidate my credit loans. My husband and I decided to use one of the checks to pay off another credit card that had a reasonable rate of 8.47% because of the 0% offer. We wrote a check to the other bank for the balance, but when it went to Chase they decided to not honor the check and closed my account without informing me. Because Chase returned the check, the bank that I wrote the check to charged me a late fee of $35, an insufficient funds fee of $39 and increased my interest rate from 8.47% to 24.99%. I don't have a problem with the other bank because that was the agreement, however Chase sent me the checks, how was I to know that they wouldn't honor it? This is the worst bank I've ever had the misfortune to deal with. And we probably gave these *** stimulus money.

Over a year ago my son got himself into trouble with credit cards. Over $10,000 worth, while he was working full time and going to college. He has been married since he was 19 and is in his last year of college. He just turned 24 this year. So we cosigned a $10,000 loan for him and paid off all the debtors as they came in. We kept on hearing, "we will send you a receipt" from these people who had took over the cases. If you pay this percentage it will be taken care of and we will send you receipt.

Out of about 15, we received 1 receipt. Now over a year later, Chase and Citi are calling him trying to collect the remainder or all of the old bill. He told them that it had been taken care of and the first question they asked him was do you have a receipt? Now this really sounds like a scam to me between the collection people and the credit card companies. Believe me, he knows he was in the wrong, but what about what they are doing? If we as American citizens tried to do this and scam people we would have the law after us and more than likely have felonies. And yet they get away with this over and over again. Why?

There are a lot of results happening because of this. My son graduates in May. He needs to concentrate on his schooling and work to keep up with his bills, not thinking about this once again. He was moving forward and now I am sure he feels like he is moving backwards once again. He will have all his school loans come due as soon as he graduates so we really need help to make this all stop so he does not fail. Please if anyone can help, please do so. There is no more money to be had. We are already have liens, all he has is his car which he is still paying for so our only choice in this matter is to tell him to file bankruptcy if we cannot get this matter resolved. I do not know what to do. We did what we thought was right instead of having him file bankruptcy the first time, but now we will have no choice.

It all begins with the letter the company sends you with the information about the new rates which began in February. I called in around December 9 to see about closing the account to stay at the current rate we had. The lady was very nice and said. "Sure, you have until January 1 to close your account and lock in that rate."We said that is what we wanted to do.

Then in February when our statement arrives, the company has us at that higher rate which is approximately 19%. So I tried 3 times calling in and finally reached a representative. He looked at our account and told me over the phone, "Looks like someone did not put it in correctly. Let me get you to a supervisor." Okay.

After a long wait, I finally reached this person. He told me we missed the cut-off date by 1 day. I said what I was told that we had till January 1. "No," he said, "Until December 13, and you did this on Dec 14." I have written in my statement that I called December 9. What is this? another scam to get a higher rate? So you are telling me my account is closed but at a higher rate?

I got nowhere on this issue. As God is my witness, I will work to get this paid, and they have lost us for life. Word to the wise, any new person seeking a charge card company, stay away from Chase.

I paid my credit card in full on February13, 2010. I did so on line, so I could see what the pay off balance was. I also closed the card in October/November of 2009. I received a bill from this company for $60.18. I called to inquire about it and was told that it was interest on the use of the card. I explained that the card had been closed and I checked to see what pay off balance was and then paid in full. She said, there was nothing she could do. I asked to speak to someone else after I informed her I wasn't paying this fee and she said if I didn't then it would effect my credit.

Then she said, in what I perceived as a very condescending tone, "If there is nothing else I can do for you then have a nice day." Then she promptly hung up on me without transferring me to a supervisor. This called was placed on February 26, 2010 at approximately 8:55 a.m. Thank you for your attention to this matter. A threat was made to report me to the credit bureau so it would effect my credit.

I have had a credit card with Chase since 2005 and have never made a late payment. I used their checks to get a 3.99% and a 4.99% rate until paid in full. Just a few months later, they raised my minimum payment percentage from 2 to 5% of the balance. I just paid it because I usually paid more than the minimum payment anyway. I recently called to try to get this minimum payment amount reduced back to the old amount as my husband had been out of work for some time and it was getting hard to make that large of a payment.

I spoke with 4 different people and was told that the only thing they could do was close the account and I could apply to open a 'new' account, with a higher interest rate no doubt, if my payment was too high. Unbelievable! Absolutely unwilling to help! Closing an account negatively affects your credit score, as does opening a new account. All I wanted to do was reduce the minimum payment a bit to make it more affordable. I also have a business account with them and it only requires 2% of balance as minimum payment. I will be closing both accounts as soon as they are paid off.

I have never dealt with a credit card company so unwilling to help its customers. Most will do anything to make sure you can pay them. They just raised the minimum payment so I would have the balance with the low interest rate paid off quicker and they could raise the rate to a higher one. Its extremely difficult to pay such high minimum payment.

I have a Chase credit card that I opened for a balance transfer with a promotional interest rate. At the end of the promotion, the rate changed to a fixed 6.99% interest rate, which was fine with me. However, in November of 2009, Chase sent me a letter stating that my rate was going to change, for no fault of my own, to a variable rate and told me to fill out the form they provided and send it back to them if I wished to "opt out" and close my account. My interest rate of 6.99% would then remain the interest rate on my balance until the loan was paid in full. I filled out the form and sent it back to them, effectively opting out of the rate increase and closing my account with Chase.

Or so I thought, I also had signed up for paperless billing and automatic payments on this account, which I never had any problems with. I've never spent too much time looking at this account, my fault I realize, because I used it once to transfer balances, set up automatic payments and went on with my life. I am never late and again, it's paid on time through Chase's auto pay program.

In February 2010, I went to the website to look at my balance to see what it was. I'm getting a tax refund and want to pay at least one card off. I looked at my statement and noticed that my interest rate which now was 13% and variable and my account was still open. I have received several of these "opt out" rate increase letters and have opted out of all of them, including Chase. Up until this point, I have never had a problem. I called Chase to tell them that there was a mistake, that I had sent back my "opt out" information and that apparently, it had been missed by Chase and I asked that someone close my account and change it back to 6.99%.

At that point, the representative on the phone told me that they did not receive my opt out form and that it was too late to change it now. I asked to speak with a supervisor and again was told basically too bad for you, we didn't receive it. I explained that I had noticed this problem on the first statement that I had received with this change and I am very angry that I was told too bad. I asked the "supervisor" how I was to know if they had received it or not without me seeing a statement with a change on it. She again repeated that it would not be changed back to the 6.99% and if that was all I wanted that she was finished helping me. Chase is operating a very shady deal with this and here is why I think they've set lots of people up to get hurt on this "opt out" letter they've sent to lots of consumers.

For all of you with Chase accounts that received "opt out" notices. Check to verify that it was done!

This interest increase has caused my finance fee to double. It decreases the amount applied to my principle by $40 per month, which adds an incredible amount of money to the bill if looked at over a long period of time. Losing $480 a month applied toward the principle over a year adds on several years of repaying a card balance. As a responsible consumer, I am deeply angered that credit card companies are allowed to do these things. I know Congress has recently enacted new laws, however the credit card companies were given a long time to find ways to rip off the American people before the laws take affect and they have most definitely taken advantage of the time!

I received a letter in February 22, 2010 from Chase notifying me of "important information regarding changes to my account regarding my Chase account ending in **. I do not have a Chase account or credit card! There's no phone number included in the letter from Chase that I can call. And the letter has no signature. How should I handle this matter?

I had a WaMu credit card that I went over the limit with twice and I was set at the default APR. I don't remember whether it was for 6 or 12 months. When WaMu changed to Chase, I still had the default rate of 29.99%. I have been paying the default rate for 14 months. I received the new terms and conditions from Chase that says, the default rate will be in effect for 6 months.

I contacted them by phone and email to let them know I had exceeded 12 months. My answer from both sources was that, there weren't any special offers on my card. I have paid the card to a $0 balance and let them know that I am closing all but one of my credit cards. I asked if they were interested in reducing my rate to keep by business. Still no special offers at this time "due to the current economic conditions".

Mortgage rates are at an all time low. I just financed a car for 0%. I have yet to receive an answer to my question of why I am stuck in a default APR. My only guess is that it was never labeled default by Chase. I can't even find anything stating what their default rate would be if I made late payments or went over the limit again. In the meantime, my other Chase card jumped from 12.99 to 20.99. No special offers on that one either.

I won't be surprised to see Chase be the next company asking for a bailout because their customers have either paid off and closed their cards or transferred their balances to a better interest rate from a different company. Citifinancial and Capital One are both offering 0% APRs for 6-12 months! I was paying up to $72.00 a month in interest on my $3,000 Chase card. I'm paying $52 a month interest on my $14,500 home equity line with a variable rate.

I received a letter from Chase, saying RE: your account ending in 1433 and that changes to the account were happening and would be effective Feb. 21th, 2010. These changes dealt with the APR. I have never had a chase credit card nor do I want one. I fear that next I will receive a bill that is a minimum fee for just having an account.

Wondering what might happen when I have an account and don't know it. I get information want me to apply all the time, but have never applied. How can I get this to stop? There was no telephone numbers to call, just a name Deb **, Ex Vice president.

Chase Bank took over my Washington Mutual credit card accounts. In the process, they also raised the interest rates on both cards. I have paid more than the minimum amount on each card and have paid on time each month since Chase has taken over these accounts. I have a good credit score, not excellent, but good.

I have called Chase twice to ask them to lower the interest rate they are charging me (24.24 and 27.24), and Chase has refused both times. The second time, they told me that they cannot reduce the interest rate, because "they are still working out the transfer of the accounts from Washington Mutual." Huh? And while Chase refuses to lower the interest rates they are charging me, they continue to inundate me with offers to open new accounts with them. Are they kidding?

I am taking a personal loan at 2.25% interest (Yes, that is how good my credit is.) and paying them off and will never do business with Chase for any reason... and I sincerely hope that someone from Chase monitors this site.

Sometime ago I had a $247.89 online 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 ** rejected my request. This time Chase Credit Card increased the late to $45.50. I submitted a second dispute and they gave me a $1.50 credit, bringing the charge down to $44.00. While sustaining my dispute I still paid this amount. However, after receiving $44.00 Chase Credit Card turned back to the $1.50 credit they set before and asked me to pay an additional $1.50 charge as a new balance. Illegal $45.50 charge.

I had a Chase Credit Card with 20 days to pay. I paid in full every month. We were going on a 10 day vacation and my bill had not arrived so I thought I would pay it when we return. When we returned the bill, was 3 days past due. I paid in full but they charged late fees and interest on the entire amount. This was their fault but I had to pay. I saw it as legal theft. I cancelled the card and have never done business with them again. I have warned my family to stay away from this company.

I received a bill from Chase Card services on 2/11 and I noticed late charges. I always pay on time and much more than the required payment. I went through my checkbook and bill file and found no previous bill was sent. When I called customer service I was told that the late charge stands and that I shouldn't use the card until they receive payment. I paid on 2/12. I find this very suspicious. Why didn't any other mail get lost? I checked on-line and I'm finding the same complaint from other consumers. What gives here? I am hoping that the lateness does not appear on my credit report. I am also waiting for the next bill to see if my interest has changes due to this "lateness".

My husband and I used low interest checks provided by Chase to borrow money and had every intention on paying off the remainder of the balance before it was due. When we called to ask about the details before we agreed to do the transaction, we were told that the balance wouldn't have to be paid until September of 2009. When the time came to call and get the total balance of that low interest APR, the Chase company told us "you're too late, we've already put that loan on a 27.24% APR now and you cannot pay this loan off anymore because you will have to pay on the lower APR rate loans. Until you pay those off, none of your money will go towards the higher APR loan". I feel like Chase has swooped in like vultures and are reaping havoc on those who are actually working to pay off their credit cards.

I have been a very good customer with Chase since 2001 and have never experienced such a vulgar and untruthful company. I will never do business with Chase ever again. Chase should be shut down by the federal government and never be allowed to treat anyone with the disrespect that they have done to so many others out there. Even now when I called a week ago or so to talk with someone to try to lower my 27.24% APR to try to help reduce the interest that should have never occurred, I was told we cannot help you. You will have to call back in three months and there's no guarantee that we will be able to do anything for you. What a crock!

If this is what big corporate companies are allowed to do to good working Americans, then maybe I should try to find another job at ripping off good bill payers. I have a conscience though and could never sleep at night knowing that I did such a horrible thing to another person. All I wanted was to pay off my bill and keep paying off my debt and Chase is not allowing me to pay off my obligation. In the meantime, interest keeps adding up on that high interest APR and God knows what it will be. I have a good credit score and pay more than the minimum payment and pay my bill on time.

I had a credit card for a few yrs with former Washington Mutual Bank which is now Chase. The interest fees are grossly exaggerated! From an 8% interest fee, now I have to deal with 14% interest fee hike. It's ridiculous; its like they never want you to finish paying off your credit card. Once I'm done paying their credit card, I will never ever do any further business with Chase. They suck!

I received a letter Feb. 22, 2010 from Chase notifying me of "Important information regarding changes to your account RE: Your Chase Account ending in **". I do not have a Chase charge card. If they think I have an account will this mess up my credit rating somehow?

From: Chase P.O. Box 17198, Wilmington, DE. 19850-7198.

In November 2009, we opted into paperless statements for our 2 Chase credit cards (Sony card, $2,000.00 monthly balance paid-in-full) and Chase freedom (0-$4000.00 monthly balance, paid-in-full). In December, we received 2 electronic and paper statements for each card. In January, we received only the Sony Card statement, inquired with Chase and they said it must be a problem on our end. Checked Junk Mail filters, etc., I can't find the statement. Whatever, it wasn't late, so we paid it online, etc.

I checked with Chase for the online availability of our bill for both cards in early February, still not posted. Well, 22nd of February rolls around and I am checking some other bills online, and realize that I hadn't gotten either e-statement, yet. Check online and we have suddenly missed and e-statement and have now incurred interest and late charges. When contacted about this. Chase blames us, saying that we've had access to the bill at all times and that there is no electronic problem on our end even though we have put in a primary and backup e-mail address and religiously check both inbox and junk mail boxes for all of our other e-bills.

It seems to me if there is a problem with your e-billing, when you opt in to paperless statements; you are opting out of all your rights to be notified of a bill in a timely manner. Learned that lesson I guess. I'm just amazed and the absolute inflexibility and consequently rude handling by the company representatives. We were nothing but sincere and polite when requesting if at least some of the fees could be waived, etc. I guess this is what happens when you use these cards for the points and maintain good standing with all of them. Too bad we can't discontinue our home mortgage with them as well.

Our interest rate jumped from about 17% to over 23%. My wife called months ago to complain but they said there is nothing they could do. I called today and now, they tell me they sent us a letter last year with an option to opt out of the interest hike! When I told Chase my wife asked for help last year, they said "you have to ask for a supervisor". How would my wife know that unless they told us first? Chase is the only CC company giving us a problem. We have been a perfect customer over the years. Please help what our options are as far as fighting back and getting our rate lowered.

I've been paying for the payment protection plan and now that I need it I don't qualify because my husband was laid off a month prior to signing up. Never mind we were already upside down, foreclosing, and laid off. None of that mattered then since they still managed to sign us up for the payment protection plan regardless of our circumstances. Further, Chase credit cards can't do anything because we're already considered upside down. So now I have been advised to stop payments for up to 6 months in order to stop the contract of the credit card.

Payment protection is pointless and Chase is the only credit card not willing to work with me even though I've always made every payment on time and will continue to do so, but I will never sign up for the payment protection plan again. They should have the criteria met before signing up. Credit score impact and potential collections.

I am so sick and tired of hearing "I am sorry" from these credit card company. My interest rate and of course, payment amount went up this month. When I called to inquire why, I got the old "I am sorry" and was told I was notified months ago --you know, by one of those fliers you get from the cc company that you need a lawyer to explain. I found out I could have opted out, now they tell me. When I asked why the increase, she said economic reasons. To me, that means more money for Chase.

I had an interest rate of 8.99%. In November, I noticed that my interest rate had gone up 13.24%. I called Chase customer service and they told me it was just for awhile until February. They said that it would change. I use this card for everything. When I called Feb 21st 2010 they told me the interest rate is going to stay at 13.24%. It's unbelievable. I have always made my payments on time. Since there is nothing they can do about it, I am getting a loan to pay them off asap and I already closed my account. They lost a very good customer. I am sure other people are doing the same.

Chase credit card is the worst and most fraudulent credit card on the face of earth. I've been using them since 2002 and I moved to a new location and called them to change my address of which the operator that took my call got the wrong address and my bill is normally due on the 17th of every month. Last month I didn't see my bill and I went to bank on the 17th of Feb. 2010 and paid my bill and called the call center to let them know that I have not received my February bill. The lady I spoke to told me that my address was entered wrongly and my bill was due on the 16th of February 2010 and I will be charged $39 for making my payment on the 17th of February 2010 that has been regarded as late payment.

I felt like talking to Chase Bank is like talking with criminal with address. Chase credit card is evil and a demon that will ruin your credit. It is the worst. Another worst part is their interest rate is too high. I called to ask them why is rate changes like I have a bad credit. My credit is excellent. My car is 0% APR and Chase is charging me 18% APR variable. In fact, I regret ever dealing with them. I advise anybody to run away from Chase credit card, it is robbery. The government should look into Chase credit card company. They are killing American people with high bills.

I just received a letter saying because my account was late two times in 6 months, they were going to up my APR. When I called Chase, they gave me one month that I was late when the payment was made on time! They said they would have to research when the second late payment was because it was in archives. I laughed and said I wasn't late and proceeded to opt out of having the higher APR. I closed the account and paid off the balance. What a joke! This company is horrible! Now, I will have damage to my credit score because of **. I will have to challenge them and for what.

I was charged a $39 late fee when the payment was, in fact, paid on time. This is extortion and a total ripoff! There is damage to my credit score and ability to borrow or get other credit.

I have had a Chase Visa since 2005. Last year, Chase raised my APR from a fixed rate of 7.99% to a variable rate of 13.24%. I just paid off my balance and that is the last money that the greedy Chase corporation will receive from me.

I've had my Chase (formerly WAMU) credit card for several years. The card was offered to me at a fixed APR of 8.9% for life. My January payment was returned to Chase because I entered the wrong payment date in my online bill pay. Let me preface this by saying that this was an error on my part and I take full responsibility for it. As a result, Chase raised my APR from 8.99% to 29.99%!

I called Customer Service (on two different occasions), explained what happened and practically begged them to lower my APR but they wouldn't budge. Again, it was my fault that the payment was returned but I had a perfect track record up until that point. I think it is completely unreasonable that they raised my APR a whopping 21.0%. Needless to say I closed my account and will never do business with Chase again.

They made 3 charges of overdraft fees. One of the fees was only for $0.01, they charged me $33. The second one was for $7.68, they charge me $33 again, and after for $4.37, they charged me again $33 and before, they charged me $33 because I did my deposit in ATM at 10:00 pm and they said they close the ATM day at 8:00 pm. I closed my account with them but I want them to return my $132 they charged me. How can I do this? Thanks for your help.

They charged a $29.00 late fee and $1.50 finance charge, payment due date was 01/16/2010. The payment of $102.90 was electronically sent to Chase on 01/15/2010. I spoke with Jim on 1-30-2010 at Chase's 800 945-2000 and he emphatically insisted the my bank sent the payment later than the 15th. I disputed the late fee and finance charges via a certified letter to their address listed under their billing rights summary paragraph and enclosed a copy of the transaction from my bank (Citi) showing the electronic payment made on 1-15-2010.

January 16th was a Saturday and I suggested to Chase that they should not list payment dates on Saturdays if they were not going to be processed on Saturdays. I received 2 letters from Chase, one giving me a credit for the $1.50 and one denying a refund of the $29.00. I spoke with Lashanda on 2-16-10 and she said that Chase does process payments on Saturdays. I've had this account for 5 years and never had a late charge.

I have a disputed charge of an airline ticket on my Chase Bank credit card for a booking that got lost in the system and causing me to unable to fly. I contacted the airline. They say they are investigating, and in the meantime I contacted Chase Bank that bills me for this credit card. The bank accepted the dispute and asked for more data in the interim. They suddenly decided after 3 months that they will not process the dispute. They are unable to get me any reason. They initially started claiming the dispute was put is too late, but when I confronted it with facts the manager could not give me any reason but still wont budge to process the dispute. Chase Bank has not even tried to check with the merchant. I am sure the dispute will hold but I don't understand why Chase Bank will not accept the dispute. Therefore, I am approaching you to approach Chase Bank to process my dispute per card member agreements. The consequence is loss of $1300.

I completed an application over the phone to re-finance my property. I was asked for my credit card number to cover the application fee of $750.00, and if the application was to be cancelled, I would be refunded half of that amount. I did not like the interest rate given to me and cancelled the application. Now, Mr. ** told me that he cannot refund any of the money, because I notified him of my cancellation four days after the initial application phone call instead of the initial three days. Mr. ** said that I had agreed to the $750.00 fee as part of the phone disclosure.

I received a letter from Chase this week informing me of changes to the Cardmember agreement on 2/22. The reference was card ending in 7777. I do not have a Chase card or any card with this identification. Please eliminate this issue from my account.

I have been with WaMu since 1997. Banked and had a credit card through them. I had other credit cards that had a better percentage rate so I decided to close the WaMu/Chase card. My balance was around $1,200. No problems calling them, paying the full amount due and closing the account. While on the phone I specifically asked if everything I owed was fully paid including any finance charges and the person I spoke with reassured me that indeed it was fully paid and the account was closed as of Oct '09. A week later I received a letter stating the same. So I was no longer concerned about the account.

A few weeks ago I checked my credit report and noticed that I had a $1 finance charge from them. I couldn't believe it! So now I have a delinquent account showing on my credit reports! According to them I have been late paying my credit card over four months now! This is such a bummer. Now I have to go dispute it with the credit agencies. It sucks when you try so hard to keep your credit in good standing and then it gets ** up because of one minor detail. Bad credit on my credit report shows I have a delinquent account for four months. Thanks a lot Chase!

I had a free for life checking account at WAMU. Chase was given the accounts from FDIC under the terms and conditions that I had originally signed when I opened the account. They took over and immediately changed the terms without my knowledge, consent, or signature. When I got the very first $16 service charge, I called the bank and told them that if they would return my money I would agree to close my account and go about my business. They would not refund a single cent.

They had told me that they had sent out the proper notification and they are justified in keeping my money. I would expect this from a no-name online business trying to rip off the general public, but from a fortune 500 company in the US, this just seems like a crime. I guess when you add up all the free accounts WAMU had in the millions, then you hit them all with a $16 monthly charge, and refuse to give back the money, that's like $16,000,000 or more per month in service charges, a non taxable source of revenue straight to their bottom line: their CEO who's laughing all the way to the bank.

I complained up the ladder as high as I could go, which was talking to 3 different people on the phone, then being pushed into someone's voice mail, and never got a call back. This was all in January when I saw my December statement. The same thing happened to my Wife on a separate account. I was so offended I made a personal decision to close out all relations with Chase. I hope there is a class action Lawsuit on this matter, then I will definitely join!

I closed my credit card to avoid the $39 annual fee. I paid the balance in full and notified them that I was closing the account and did so before the $39 fee hit. They told me I would have no problem. When dealing with Chase I've noticed that them getting a service fee from you is no problem for them. However, a huge problem for you is if you try to get the money back from them. I called and notified them that this needed to be taken cared of and they said they would. Once again the following month a my statement still showed I owe them $39. Each call takes about 30 minutes so far 4 since this started.

I have been a customer with Chase Bank (formally Washington Mutual) since 1997. Once Chase Bank acquired WaMu, changes were made for the profit of the business and not to help customers. I received notification in the mail that my credit limit was decreased and my interest rate was being raised to 29.54%. I have never been late on a payment. In fact, I have automatic payment set up with my checking account. I contacted the bank on 2/17/2010 to ask the reason for my interest being raised. The representative explained that it is because of the poor economy.

Now is this a fair reason to raise the rate of a customer with a good banking history? The representative also stated that if I did not like the terms and conditions, that I had the right to close the account. I did not like that response and was immediately irate. I think that was unprofessional and she showed a poor representation of Chase Bank and customer service. Ultimately, Chase Bank will lose a great customer as a result of this situation. My question, was the representative correct and if so, how is that fair?

I have a 760 credit score. I have a $10,000 credit line with my Chase Card. I made my payment on the 8th of January 2010. The payment was due on the 7th. This was Sunday and the bank is closed. Monday it was made. I am not late with my payments. I was charged just under $40 for late fee. This is theft by these **. They have set it up where you cannot talk with a banker.

I had a WaMu credit card. Now I understand Chase bought them out. I have yet to receive a credit card so I had no phone number to call or an address to write to. I have a eBay M.C. which has some charges on it that I had already paid by the WaMu or Chase. I do not recall which at the moment. It was for the amount of $80.87 on or about 9/13/09.

I need copies of the payments that I made so I can show eBay these have been paid, and someone has used my card to commit fraud. Please get back to me ASAP as they want their money, and I need to show them proof of my payment. Thank you.

I have had a credit score over 700 for a while and have worked hard to manage my credit. I have been a long time customer of WAMU/Chase, have multiple credit cards and a home mortgage too and all of my personal bank accounts through them. After the government passed this Credit Act, Chase has continued to increase my interest for no reason. They decrease my credit lines, and increase my minimum payment! This is not a way to treat loyal, honest, capable customers. They have done this to the point where my credit score is 600 now and I look like a credit risk. I am going to close these accounts, pay them off and use only cash. Chase you could have gotten a lot of interest from me over the long term but your greed and lack of ethics is nauseating!

'Chase Cheats'. Chase raised my interest by 5% for no fault of mine. It is their fault for raising interest. They were the ones irresponsible and received 0.25% interest bailout from the government. Chase is a bailout bandit. I charged $15,000 for school 3 years ago at 4% interest. I have paid over $10,000 in 3 years and recently charged $1,100. Chase is applying my access to the lower interest rates and applying nothing to the larger amount. They know the rules and are squeezing the compassion out of their customers. I am quite angry at these cheaters.

Chase has raised my minimum due to which I already was paying more than that already; but I should have an option to pay the smaller amount if required. I resented when these credit cards made minimum due all the time. Before, I used to have a zero min. due. This was nice because I could plan vacations or deal with emergencies and not be penalized. Now, I am being penalized for Chase's irresponsibility. 20 years from now there will be another banking failure with the customer paying. Why don't these piggish banks just steal from our savings and checking? The government probably will stand behind them for such dishonesty. Chase is very, very dishonest.

I inquired why my minimum due was increased and why my interest rate went up by 5%. I was told that these changes went into effect before the federal law changes. I told the representative that Chase is cheating and I am tired of being taken advantage of by these financial firms. I can only get .25% on any savings or checking account; but they can get almost 20%+ from consumers. I know Chase is upset that I locked into an indefinite 4% loan a few years ago. I used this advance to enhance my skill set.

I resent paying for Chase's irresponsibility. I have always been responsible financially and if I dare slip, I am aware of the consequences. I do not see Chase having consequences for their irresponsibility. They have passed on their debt to the consumer.

Payment was mailed out in plenty of time. The bad weather hit which may have slowed up the mail. They charged me a late fee and I asked for a waiver because I have always paid more than the min. and have never been late. They denied my request stating the staff or managers no longer have the authority to make that decision. I felt I did my part and can't help the weather and the postal service.

I have two Chase accounts. One had a credit limit of $19,800 and the other a credit limit of $31,200. The $31,200 account offered me 0% for 6 months on balance transfers. I accepted this offer and immediately put through two balance transfers totaling $14,000. The bank said it was being processed. The next day, I went in to do another transfer for $6800. When I checked to see how much more was available, I noticed the first account with $19800. Available credit was now No Available credit!

I then checked the other account and found the $31200 available credit was now only $1000 and my transfers were never done! I was never notified of anything changing in my accounts and feel that because I did two balance transfers which Chase offered me, Chase decided to not do them and supposedly did an update on my account after the transfers and just took it upon themselves to make the changes!

I still have never been notified of these changes and feel this is against any credit card laws. I want to file a formal complaint against them! I had a small balance of $710 with them on the $31200 card and was told because I only made the minimum payment each month automatically that was a not acceptable arrangement even though it was what the bank requested each month! I feel I have a definite complaint of discrimination against them as I know others this has not happened to.

For starters, Washington Mutual issued me a very good credit card with a good interest rate. It all went downhill when Chase acquired WAMU. Last year, I paid my entire Chase credit card balance in full. I had always paid my bill on time. They repaid me by reducing my limit and increasing the interest. Well, I had the account set up to deduct automatic payments from my bank account each month. I also had the credit protector, which I had from day one. I recently went through a rough medical emergency and wasn't able to work. When I opted to use the credit protector, Chase cancelled it and had been adding over-the-limit fees even though they were getting payments automatically.

I paid all of those extra fees and reset the account up to debit automatically to bring the account current. I found out when I checked my credit report that Chase has closed my account. When I called to inquire about it, I was told that I would have to reapply. It really makes me not want to pay them at all. Chase has yet to notify me that the account is closed. I have been trying to keep at least one credit card because they are a necessity in emergencies. I just paid Chase $280 that I really couldn't afford because they imposed over-the-limit fees. I've been very ill and am still ill. I can't even work. They have put me in a bind and for nothing.

On 02/10/2010, I called Chase Credit Card to obtain a payoff. My account was severally past due. I was given a payoff of $9,903.01. I immediately mailed them 2 checks, one from my mortgage company and also a personal check to make up the difference. On 02/13/2010, my account balance was at zero. Today looking at it, I owe them $238.30. When inquiring about this, I was told that the payoff they gave me was incorrect and this is interest accumulated from Jan 16, 2010 until today Feb 16, 2010. This is unfair business practice. I need some help in getting this matter closed. If this doesn't get cleared, my credit will be even worse. I did everything I could to not have to file bankruptcy and pay what I owed.

For purchases in December on a newly opened account, I received my first statement in February with a late fee and interest due to a "delinquent account." I spoke with Vicky ** who agreed to reverse the late fee but not the interest of $59.28, saying that I should have called when I did not receive a statement. I think they did it on purpose to rack up charges. I cancelled the account. As a consequence, I have an interest payment of $59.28 which I would not have had, if I had received the statement, as I would have paid off the entire balance.

In January I received my Chase Credit Card bill and discovered I had accidentally wired the wrong credit card company what was due for December. I was given the due amount for January, which included penalty, and the due date for payment. I set up the full payment to be made automatically for January. About five days later, I received a letter from Chase indicating that if I did not pay on the December amount within the week, I "could" be penalized. I called the credit card company to complain about the threat. The payment was slated to be made on the date that I was told it was due.

Thereafter, I went to use the credit card and it was denied. I was annoyed, but figured it had to do with the late payment from the previous month. After I was sure the payment for January had been wired, I again tried to use the credit card and it was denied. I called the credit card company and was told that the denial was a glitch and that I owed them nothing.

I then received my bill for February and it was for $14.47interest on a "zero" balance. When I called the credit card company, I was told that it was interest for not paying the December amount earlier in January. I promptly canceled the credit card. I'm now expecting a fee for cancelation. The only real monetary damage is $14.47 and a lot of anger. I will also lose the benefits of obtaining credits for Southwest flights.

I always paid my credit card when the statement came in, meaning weeks before it was due. I also paid between $100.00 to the last time (December 5th), $1300.00 extra on my card, never ever being late on this or any other card. Well, first they closed my account on the 10th and sent me a letter, even though they have my email. I was upset and questioned it. They said I spent too much over the last year. I bought a new house and they didn't like my credit balances so near my limits (two cards lowered my limit to my balance one by 50%, so I had high balances which dropped my score by 50 points).

So I said fine, nothing I could do. But there was something they could do. By my next statement they almost doubled my APR on a closed account and sent me an "oh-well" letter. I went online and seen this thing posted everywhere. So many people and the same thing. I predict Chase will be gone within 5 years, meaning once they got what they can they will just be sold and a change of name will cover it all up.

Chase Credit Card Company is the most unethical company in the credit card business. They are nothing but sharks! I have only ever used checks that were offered because of their low interest rates ranging from 4.99%-6.99% with a fixed rate until the balance was paid off, my credit card limit is $20,000 and have never made purchases with the card. I have never paid late or the minimum due but usually added $100.00 more per month on my minimum due.

My credit score is 710. Unfortunately, last year, I had two tenants move out of my rental properties; one of nine years, which meant I basically had to do a lot of cosmetic work and updates to the properties as well as pay the mortgage before I could re-rent them out. I also had an outstanding balance of approximately $13,000 which was all debt incurred from my rental properties with the intention of converting to a home equity loan. I used close to max on my card of $20,000 dollars by using the checks offered by Chase for repairs, which gave me a minimum monthly payment of approximately $450.00 per month or 2% of the outstanding balance.

Needless to say, Chase decided that since they couldn't raise my interest rate, they would raise my minimum monthly payment amount of the total due from 2% to 5% which now raised my minimum monthly payment from approximately $450.00 per month to $1,000.00 per month with no notification they were doing so or no reason why. This was done because if I defaulted on one payment my interest rate, I would now default to 27%. This almost caused me financial hardship.

Why did these companies get any help at all from the government? I elected not to call Chase and discuss this with them only because of the fear that they might lower my limit below the amount I owed causing me to pay an over limit fee. The only good news is that I have managed to pay my card down so far to $14,000.00 and should have it paid off in one year. But last month, I realized they lowered my credit limit from $20,000 to $16,000. Why? What amazes me the most is how they treat their good customers. I really hope this company goes out of business, they shouldn't be allowed to do this to anyone. They complain the reason why they do this is because too many people default on the cards. Well, the reason why people default on their cards is because of Chase's unethical practices.

Sometime ago, I had a $247.89 online 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 requested cancellation of that late fee. A guy named Anjali rejected my request. This time Chase credit card increased the late fee to $44. I suspect cheating is involved.

When paying my monthly bill online, as usual, I put in a payment date of 2/22/10 which is the date the new credit card laws go into effect (it is also my card's due date). I noticed that there was a note indicating that the payment would default to today (2/12/10). I wondered about that and called Chase. They said that the payment could be taken out of the account any day after I hit confirm payment-in effect, ignoring the day I put in for the payment to be paid! The rep explained that it's "because of the holiday". Is this really legal? I think they are trying to pull a fast one-taking the payment before the 22nd and allocating the interest any way they want. I would really appreciate your feedback.

I have had a credit card with Chase for over 20 years, and so far, I have found their policies to be merciless. I have frequently called Chase credit card services over the last 12 months, to request that my rate be lowered. Instead of lowering my rate, I went from 27.9 to 29.9, even though I have paid more each month than is due. In July, when I called to report that my payment was in the mail, but late by 2 days, the representative said I was already changed to a higher rate. I was hospitalized in August, due to a nearly fatal illness, and my income potential was reduced. When I called to ask if there was any way Chase could help out with an interest rate reduction, the representative said I should purchase a late payment policy, for an additional sum at a variable rate, in case I was hospitalized again.

Since then, I have experienced other incidents of merciless consumer communication. For example, on 3 occasions, the representative told me there was "no one at the bank who could help me". Representatives, on 2 occasions, have told me that the reason for the problem was the federal government. They told me interest rate reductions are frozen by policies of the federal government. On two occasions, the reps were relatively nice, and seemed to try to listen to me, but the answers were pretty much the same. There is no hope for me at Chase. The burden of an interest rate of 29.9% prohibits me from paying for basic things, like food and medical services.

I am kind of in the boat along with some of you who have had your credit limits dropped. I luckily haven't had my interest rate jacked up but I am sure that is coming next. I have always paid my CC bills on time except maybe once, my credit score is currently at 720 which is pretty good from what I understand. My Chase Amazon card messed me over by lowering my credit limit to only $30 lower than my current balance. They then waited until the interest rates went through for the next month and then promptly charged me a $39.00 over limit fee which really torqued me off.

I called just before Christmas to cancel my payment protector and they managed to talk me in to going with the one month free on my card protector but failed to tell me if I didn't cancel that month that their fee for the service might put me over my limit. I was assuming like some of you that a month was from the first to the 31st but found out they do their billing cycles from like 12/02 to 01/01 so everything that should have been on the previous bill for the month of Dec didn't get put on until January's bill, hence the over limit fee. It really makes me angry that I tried to call and cancel the $19.00 charge for the payment protector and then they have the audacity to charge me an over limit fee when I didn't want the stupid payment protector anymore in the first place!

The other credit card I have is one they gave me when I opened my checking account. It started out with a $5000 credit limit with $1000 access cash. I haven't used the cash access until this month and just paid my February payment on time to them. I use it to get $300 cash assuming that I have up to a $1000 limit and then tried to make a couple smaller purchases after that and they both were declined. I got home and looked at my statement for last month and just within the last couple of days they had lowered my whole limit to $2000! I already had a balance of $1698 before I got the $300 cash. I was furious and called Chase to try and find out why they lowered my credit limit so low and they transferred me to the lending department. I thought surely they would be understanding that I have been a good customer with my score at a 720 and would at the very least raise my limit back to $2500 so I wouldn't go over my limit.

No such luck, the lady I talked to said that since I wasn't working there was no way she could justify raising it even another $500. She asks me what I got the $300 for and I told her to pay my other bills, like it's any of her business, I shouldn't have to justify using my cc to her, why does it matter what I used it for anyway as far as I was concerned I had a $1000 cash access line. I couldn't believe her snotty attitude, she tells me that the reason they lowered it was because of too high credit balances compared to credit available or something like that. She says well mam you have 10 cards open right now so I don't see any reason to raise the limit even a $100 dollars.

I am like yah and 6 of them are for the stores they are from only so it's not like I can use them just anywhere. I tried pleading with her telling her that I use that card for my overdraft protection as well and that if I would have known they were going to lower my limit I wouldn't have gotten the cash out. She says check back with us in 6 months and we well you need to pay down your balance for three months and then check back with us in 6 months and we will review your status again. Gee thanks a whole lot for being such a **!

I am very irritated with Chase and the way they are treating me. I think it should be against the law for them to change your interest rate or lower your credit limit so close to your current balance. I think they should only be allowed to lower it to no less than $500 above your current balance so you don't go over your limit.

On February 8, I got two letters from Chase stating the decrease of credit lines on my two cards. The date on both letters was February 3. I do not even know when they did it exactly. They did not notify me about this action. I could easily go over the credit limit of one of the accounts because the balance on it was $1500 and the new credit line is $1700. The old credit line on this card was $4500 which is not too much! The balance was about $1500, a third of the limit which is also not bad. Now the limit is $1700 which is funny. The balance still $1500. This is really bad. When I called the lending department, they said that I have too many credit cards, maybe, but I have never been late nor went over the limit and I always pay over the minimum. And the cards such as Macy's, VS have zero balances because I pay them off immediately.

All my reasons and questions have had one answer, that is, too many credit cards'. Then I asked for the decrease of APR on some percents. I was transferred to customer service. The result of all the questions and answers as follows, "This is our money. We lend it to you and we can do whatever we want and whenever we want. We can increase APR, decrease your credit line, close your account. We are the boss." I feel like Chase is not interested in small customers. They do not want to do business with average people. Their consumers are not protected from this practice of deception.

After successfully calling your company Wells Fargo for many years, I recently experienced a terrible problem with one of your customer service reps. I am appalled by the terrible treatment from Mrs. Amelia **. Her behavior does not reflect positively on Chase Credit Card Service.

I called today at approximately 2:06 PM to discuss how I could pay my cash advance off because of its high 23.24%; your system transferred me to Mrs. Amelia **.

I explained to Amelia my concerns about this matter. Mrs. Amelia ** spoke a bunch of credit card lingo, and was really short and impatient with me. I explained that I didn't understand any thing she said and if she could please explain it in a better way. Mrs. Amelia ** completely ignored what I said and asked me if there was anything else that she could help me with.

I stated that she didn't help me with my concerns and could she please put someone on the phone that could. She told me to hold on and intentionally disconnected the call. I called Chase back requested to speak to a supervisor. I told the supervisor every thing that happened the supervisor gave me the reps name, addressed the complaint and all of my questions were answered and I understood.

The bottom line is this law vary from state to state and many states have absolutely zero tolerance for rude customer service. Hopefully our conversation was recorded for review. I expect Chase to obtain a satisfactory resolution.

I have been a loyal Chase customer for many years and I have four Chase credit cards and a Chase bank account. I have always paid my credit statements in full days before the due date. To my surprise, I was charged a late fee of $39 and an interest of $21.30 on my February statement. Reason being that my January payment was six days late. I sent a check for the full amount due fourteen days prior to when they said they received the check. How could it take fourteen days for an envelope to be delivered between FL and MD?

I called Chase and requested that the late fee be refunded because I had never been late with payment before and I mailed my payment well before the due date. They said that the charges are not refundable! They also charged interest not only on the amount that was late but also on the balance that would only be due in February, the following month. This is highway robbery and probably illegal too!

It seems like too much of a coincidence that the envelope enclosed with my February statement had an ad printed on it telling customers that they could avoid late fees by signing up for online auto bill payments. I believe Chase purposely held my check and didn't cash it when it was received just so they could add a late fee and try to get me to sign up for online payments. By submitting to online automatic payment, the customer will lose one of the biggest benefits of using a credit card and that is being able to dispute a charge with less than honest merchants. Once the statement is paid (in this case automatically), no charges can be disputed by the card holder.

If you don't believe me, read the fine print on the new credit card policy that takes effect on February 22nd. Every account holder should have received a copy. It's easy to see why Chase wants people to use auto payments and they will go to any extreme to get them to do so and making a payment post late is on of them!

I just got my complimentary companion ticket with their requirements. It is cheaper to book online for two tickets than it is to use the free companion ticket. It's a scam.

I received a charge on my Chase Visa for $3.89. I paid my account in full so I thought that there was a mistake on the statement. I made a payment of $511.43 in December 13, 2009. That was the total of the amount. Then, I used the card on 1/20/10 for $180.48. I received the statement on 1/9/10. I had a late fee for $29.00 plus a late fee of $1.92 for payment protector. I tried to explain this on the phone, but to no avail. I think that this is a very unfair way to do business. That is taking advantage of people. I never had problems like this before. I had a card since 2006. Please explain to me how you can charge me all that money. I think that there should be some explanation, especially for senior citizens, before I take further actions. Thank you.

I had a credit card originated from Providian, then WAMU, then Chase. I have called the company, most recent Chase since Oct. 2009, every month asking for someone to help me resolve this issue and reduce the interest rate, to no avail. My interest per month is now over $220 alone. I am making the payments on time and in whole, but they still will not reduce the current 29.99% interest rate. It feels like I'm dealing with loan sharks.

Is this not illegal? Is there anything I can do? Is there anyone who can help me get this interest rate lowered? Please. I've written to the president of Chase, and to no surprise, have received no reply. I call every month and just get frustrated to hear the same "Sorry, we can't do anything." I am paying hundreds of dollars every month to interest alone, and being punished to the maximum when I was a great customer for over 10 years. There has to be some protection for people from this type of behavior. My tax dollars helped out all these banks but no one will help me with this outrageous interest rate!

I had a credit card originated from Providian, then WaMu, then Chase. Of all the payments I had paid, always electronically, over the past four years, there was one scheduled over one and a half years ago in August, 2008 that didn't automatically pull. I realized it four days later, called WaMu and made the payment. They said no problem, but my interest rate went from 4% to 11%, then up and up and up.

I have called the company, most recent Chase since April, 2009, every month asking for someone to help me resolve this issue and reduce the interest rate, to no avail. My interest rate per month is now over $300 alone, and when I got laid off ten months ago, I called Chase and told them that I would split my payments in half, since my unemployment check was 25% of what I was making when employed. For over seven months now, I am making the payments on time and in whole, but they still will not reduce the current 29.99% interest rate. It feels like I'm dealing with loan sharks.

Is this not illegal? Is there anything I can do? Is there anyone who can help me get this interest rate lowered? Please. I have written to the president of Chase, and to no surprise, have received no reply. I call every month and just get frustrated to hear the same, "Sorry, we can't do anything." I am paying hundreds of dollars every month to interest alone, and being punished to the maximum, when I was a great customer for years. There has to be some protection for people from this type of behavior. My tax dollars helped out all these banks, but no one will help me with this outrageous interest rate!

I had a Chase credit card with a zero balance and received a finance charge of $13.81. I called and requested the charge be removed. However, they refused to do so and closed the account. I called back two days later to reopen the account and they informed me that they could not reopen the account due to a 10-year old account that once was past due but did reflect paid in full. I informed them that I currently have two accounts in a very good standing for many years since the old account, and which were issued after the old account was paid. I was told on numerous occasions that didn't matter--as if my pay history for the past several years does not matter.

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 immediately because of "insufficient 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 that 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.

I have had a Chase Credit card but I quit this service a long time ago. I keep getting mails 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 that I no longer have. There must be a way to contact Chase and speak to a person to clarify my credit card situation.

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 an 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. My wife has two negative items on her credit report now and it makes it harder for her to apply for additional credit everywhere.

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 three 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. I 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 customer's 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, 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.

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! percentage rate going from 0.99% to 24%.

I have tried to cancel this card! On two different occasions, Chase has billed me for services I did not wish to receive; the latest 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 number of mine was attempted to be used in the United Kingdom so I will be cancelling all my credit cards.

Sometime ago, I had a $247.89 online 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 ** rejected my request. This time Chase credit card increased the late fee to $45.50. I suspect cheating is involved.

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, gave me the number for the national credit counseling service, and 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 money 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", and the collection calls would continue and hung up on me.

If you have to have a good income to qualify for the "hardship" program, which only puts your payments at what they were before they almost tripled them, then what is someone suppose to do with less money? Where do they think they are going to get the money to make triple payments if someone with a "good income" couldn't? They are forcing me into bankruptcy but the problem is that the lawyer I gave a retainer to would not lift a finger to do anything until he got all the money upfront ($1300). So basically he hung me out to dry for the past 4 months (he kept the retainer, though). I tried getting help from legal aid and they didn't have a lawyer they could assign me. Then I tried the pro bono program at the Bar Association and I didn't meet their "priorities". So now what?

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 18th 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 okay.

Chase also assessed 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 responsibilities seriously.

I called requesting a lower APR and was told by a rep, "no". I have good credit and I didn't understand why Chase wouldn't lower my APR.

I called Chase Bank to have my APR reduced due to my good credit. I was told by the customer representative that they cannot lower my APR.

I have had this credit card for 10 years and never had this problem before. Last month, I used it according to the available credit. I charged a little less than that amount on a transaction and then before the end of the month, after finance charges were applied, I was charged an over-the-limit fee of $36. I have talked with some representatives about this but have not received relief from this because they are saying it's not within their means to do this. This is obviously an unfair charge and I understand it is being changed at the end of February, which indicates that it is not a fair charge. It has cost me $36 now and they say there is no way that they can give me relief from this unfair charge.

Chase raised our interest from 15% to 29%, then cut us off! We hadn't been late, always paid over minimum. They said they closed it because of our credit score. My daughter-in-law said they did the same exact thing to them!

I spoke with a customer service representative regarding my APR and asked why it is so high. I was told I missed a payment in 1997, which I did due to a heart attack. I pay my bill every month, and I pay over the required amount. I do not understand why I am being held accountable for something that was beyond my control. I was told to call back at the end of the month in March.

My bill is over $3000.00, and I pay it every month and I may use it maybe 3 times a year. I just want an explanation on what I am doing wrong. It seems to me that if you make payments, the bill will go down, not up.

I had a credit card with Chase for many years. I have never been late in a payment. My balance was more of $6000 and I decided to pay it off on November 2009. Because I paid the full balance and I checked online a few days later and the balance showed $0, I assumed no more payments should have been made. It looks like there were some $40 on finance fees that the statement or online activity report was not showing.

Chase never informed me about the "accrued fees" that were not shown. During the following months, they added a few late fees making the balance to go over $100 but still will not warn me about what was going on. When the unpaid balance got to over $100, I got a letter in the mail that said that the APR in that credit card was going go up to 30% because I was more than 30 days late paying my bill.

What Chase did also was to inform the credit agency, which of course, lowered my Fico score. I don't care about the credit card going to 30% APR because I have no intentions of using it and the balance is 0. I am sure if the balance in my credit card was more than $40, I would have gotten a call from their customer service.

This seems to be a strategy from Chase (that had to adjust to the new rules of the Obama Administration) to justify increases in their APRs. They need to show the clients are riskier so, if they can get their clients to have a lower Fico, they can justify the APR increases.

I have been a client for many years and had never been late once. I paid the full amount of my balance and still Chase increased my APR and reported me as late for a balance that they didn't let me know existed. I called customer service and it was disastrous. A rude person just said they sent me emails and they didn't bounce so they did their part. And I can do whatever I want, but they are not going to fix or change the report to the credit agency. Additionally they don't call customers that are late with their bills.

I was not on top of that account because 1) I paid it off, 2) when I checked the balance it was 0. 3) I never got any notice or statement that I had a balance.

In January 2010 when I received my Chase Credit Card statement (formerly my WaMu account), to my amazement there was a $39.00 late fee. I immediately called Chase to see what went on. I had my bank statements in front of me and had all my payments that had been made and the dates as far back as September 2009. I was told that I had made two payments for the November statement.

I made the mistake of disagreeing with her, explaining I had made the payment due for November on November 11, and because I am so anal about paying my bills (exact words), I made my December payment on December 2 when I got paid. Well, I wasn't paying attention, and the statement date ran from November 3, 2009 to December 2, 2010.

So I said clearly by my payment history, it is obvious that the second payment was my December payment and asked if they would please remove the $39.00 late fee. I was told it was a Chase policy that they do not refund a late fee no matter what the circumstances were. Then all of a sudden, 3 days after the conversation, my credit report got hit with a late payment for December.

The damage that this has done is to show on my credit report. I have worked very hard to build my credit. I am very adamant about paying my bills on time and feel the only reason this hit my report was because I argued with the woman and was insistent about speaking to a supervisor who gave me the same story.

I was given a Chase credit card with a $3,500 limit and a 15.99% interest on purchases. When I bought a TV from Circuit City in 7/08, there was no interest on the TV so long as I paid it off within 18 months. I didn't use the Chase card until I had paid off the entire balance from the TV because I didn't want to risk them confusing the no interest purchase with any other balance. For the 18 months when I did not use the Chase card, my statement said that my interest on purchases was set at 15.99% every month.

In January 2010, with no balance on the Chase card, I then used it for the first time for about $600 of purchases. Then I noticed that my rate had been raised to 19.24% on the exact month that I used the card for the first time. I phoned Chase and got someone with a heavy accent who would provide me with no reason for the rate raise other than the fact that Chase is legally entitled to do it and that it is a business decision on their part. I asked if it was done because my credit score had worsened and could get no answer other than it is simply a business decision by Chase and I was supposedly sent a notice in September, which I don't recall receiving.

Bank of America hasn't changed the rate on my cards, which are still at 13.24%, so I will either transfer the Chase balance there or pay it and then cancel the card. This "gotcha" type of business practice from an industry that was bailed out by the taxpayers is very aggravating, especially when they are unwilling to provide you with any concrete reason why your credit worthiness has changed. The guy I spoke to was actually talking down to me and lecturing me about how Chase has the right to do what they did.

September 18, 2009, a letter was submitted to the BBB of Delaware. I have been with Chase Bank for over 10 years and in very good standing, having never missed a payment. I had been paying a balance transfer off on my Chase credit card on an agreed term of 2% of the balance and an APR of around 6%. My monthly payment was $261 per month. A few months later I received my statement and noticed that they had changed the minimum payment to 5% of the balance. My payments became $608/month without any notice to me that the change was to occur.

A week later I negotiated with the bank to lower my payment. However, this time they indicated it would only be for one year, then my rate would increase to 21%. On February 2, 2010 I received a call from Chase Executive Services and they said the balance transfer APR is fixed at 6%. However, the bank can increase the minimum payment to anything they want at anytime. This is not stated anywhere in the balance transfer promotion letter (I have a copy).

The consumer is not protected from this practice of deception in regards to balance transfers by Chase bank. The consumer is not fully informed of the implications of transferring your bank balance to a lower APR rate and no wording about the minimum payment can be increased at anytime. The balance transfer promotional letter comes with nice big bold letters "fixed APR of 6% until the end of your balance." They should also put in big bold letters "Chase Bank has the right to increase your minimum payment at anytime without notice." The consumer needs to be informed.

I had my credit union issue check for balance owed to your company. I asked to the penny what it would take to zero out the account as we were closing the account out and wanted to cancel credit cards. WFCCU issued a check to your company and included a letter to cancel/close the account. I received a bill saying I owed $19.00+/-. I have tried to resolve this without any luck. I had also paid by EFT as that is how I made payments via computer. Several of the creditors sent me a refund for over payment. Also, this money was misapplied and credited to Chase account ending in 5159. I was originally told the payment was not received.

I contacted WFCCU and was given the check numbers and dates cleared. Somehow one of the checks did not process and I was told this is done by machine. The second check had to be issued and I was told no late fees or interest would occur. Now 9 months later your company tells me I owe you. I have been loyal and an on time paying customer. Please check this out. If need be, I will go through Union Square where the EFTs are withdrawn and submit all EFTs to your company. I regret leaving your company with bad taste.

I started paying the 5% minimum on my account that I have had for years in August. I called January 28th and asked to have my 2% minimum reinstated as my husband had been laid off and I couldn't continue to pay the 5%. I was told I should have taken the 7.99 fixed to keep the 2% minimum when it was offered. I never got such an offer or I would have taken it. Then I was told because I made 5 payments at the 5% and didn't call sooner, the only thing I could do was close the account and get a fixed rate hardship settlement. This will adversely affect my credit rating and I don't want to do that. I have no problem. I'm not using their credit anymore because when it is paid, I have no intention of ever doing business with them again. I have never been late for any payment ever and this treatment is totally unacceptable.

I am the Power of Attorney for my elderly father who is in a nursing home. Each month I would do online banking to pay the nursing home and every once in awhile a Reader's Digest or newspaper bill. In September 2008, I noticed charges on my father's Chase credit card bill in the amount of $2846. I even saw where the thieves had made an $800 payment the previous month. They had even boldly used the card to purchase over $400 at four different Kroger stores on 8/10/08. Should that have not caused a flag to be raised? Now, this is a card that had not had any activity in over three years. We all know they have programs that monitor accounts for unusual or unaccustomed behavior but in this case all of the Chase credit card account monitoring tools not only failed, but I suspect an inside job.

I immediately called Chase Credit card department. I thought it was odd that they did not ask me the normal security questions and said their records showed my father had died and not my mother which was the case. I responded that this was odd since my mother's name has never shown up since she had died. I then downloaded the account activity for my records. This was the smartest thing I did relating to this problem. The following is some very stupid things that came about from Chase Credit Card Fraud Department:

7. Next month I got a notice that told me everything was not resolved. Again, I called Desiree C and she told me to simply ignore any letters referring to this problem. She said their servers with Chase never communicate with each other to update customer information. Now, how stupid is this?

I'm a card member for years of Washington Mutual. I held an account in good standing with no late payments. WAMU became Chase. With an interest rate of 9.99%, I used my card extensively last year for my step-daughters wedding. I remained constant in my up-to-date payments. When I received my January, 2010 statement, I noted that the interest rate had increased to 16.24%! Assuming it was in error, I called customer service to correct.

I was told that I was sent a notification of the impending credit rate increase. I was told that I had the opportunity to either accept the new rate or close the account to keep the current rate. I was asked if I remember getting the notification. I told the representative that I did not see the notification and was unaware of the changes. I told him that I certainly would have closed the account, as the new rate will make it nearly impossible to pay off the debt.

I told him that if I did receive a notice from the bank, as I do frequently from all bank accounts, it did not stand out as anything other than another random notification and the fine print was not seen. I feel that Chase intentionally did not intend for the notification to alert the current customers to the impending increase, as there was no acknowledgement of receipt required, no other advertisement or repeat of the intent to increase, nor was a grace period granted for those who only became aware of the change after the increase was imposed.

The customer representative told me that until Chase offers a rate decrease to me, that there is nothing that I can do but to keep paying on time. I am stuck with this and feel that I was tricked by their legal maneuvers. I suggest to "the powers that be", that an acknowledgement of decline or acceptance be required in advance of such hurtful business tactics and that repeated notifications be mandatory!

After having two credit cards via Washington Mutual for 4 years, they were bought out by Chase. The old cards were replaced with new Chase cards. The credit amounts were unchanged. But soon the interest rates went up "due to market conditions". I was given proper notice from Chase, both on the billing statement and a separate disclosure which stated I could opt out. In the event of opting out, the interest rates would stay the same, but the accounts would be cancelled.

I did nothing and accepted the interest rate increases. I already had high interest rates on the Washington Mutual cards which were set at 17.99% so I figured it would be really high. o\On the following statements it was 24.99% a jump but nothing compared to a lot of cardholders that have high credit availability and previous low interest rates.

A 24.99% interest rate wasn't unheard of even when the banks weren't in trouble for those with a lower credit limit and high interest rates, so it's not much of an interest to me. As far as a variable rate goes, that has pretty much been the norm for me and many others for years so I think nothing of it. I guess many don't realize how great they had it compared to others having much less disposable income than themselves.

I think many need to realize that a lot of their high credit availability was based upon the misery of those that truly couldn't afford to fund the banks that granted a high credit line. While I am in no way happy but perhaps it is a lesson learned, that people need to start considering everyone, instead of thinking of ourselves or me, and to start thinking of everyone as us. Until we say us, not me, not them, someone will pay the price and unfortunately it is those less fortunate that end up paying the most.

While I have also never paid late, and more than the minimum, I have also always carried high balances. Though I have a low income and could never dream of being given a credit limit of $10,000 right along a higher amounts, a line of $1,000 sometimes is a miracle when it's needed to manage daily life. Nevertheless I have always been a firm believer to take 30% of my disposable income and then reduce it by 70% of that amount which would result in an actual 30% of that to rely upon as debt. It has allowed me to never get into trouble financially. I have in the matter of four months paid off two Chase credit cards both having $1,000 credit line.

Out of 9 revolving credit lines, I have paid them all off except for one in less than a year and that also included me using them. To those that say they had a high credit line and always paid them off, you're not profitable to the banks. They lose money off your account, so it's not really worth it to keep you as an account holder. They are in business to make money. If your balances are paid off each month, the banks lose money because they have to pay for paper stock, ink, administrative payments and postal charges which are now around $0.42 first class mail, a few hundred thousand accounts that they lose $0.50 a month to send bills to reduces their profit by $100,000 per month or 1.2 million a year.

Even if you have the account for 10 years you cost the bank $60. However, I'm thinking that there are more than a few hundred thousand people that have become responsible and thus reduced their profitability with a revolving account. I have also noticed a few comments regarding beliefs that no credit card should have a variable rate. The variable rate has been put into place because the Federal Reserve sets the prime rates. It may change; in the event that it does, the banks cannot take from their set interest rates to pay the Federal Reserve. That's why they are phasing out fixed rates.

Also on a side note, I would like to point out that Chase is one of the 12 U.S Federal Reserve banks and the Federal Reserve loaned Chase a couple of loans to buy out those failing banks such as Washington Mutua l(250 billion loaned to Chase) and (300 billion) for several buyouts. So they have to generate money as quickly as possible to pay back those amounts borrowed from the Federal Reserve. That way the Federal Reserve can buy back securities, and etc so a lot of the $850.000,000,000 billion Congressional bailout money can be destroyed pulled off the market to stabilize the economy better and keep inflation down.

Remember the more money in circulation it causes deflation of the value of the currency and less value results in higher prices due to inflation. Pulling the money out of circulation increases the value of currency, and drives prices down. The housing market prices should have been the first indicator that financial problems were coming about. Selling at near twice the expected values of homes for several years should have been an indicator. Some perhaps were watching, while most did not.

- Credit report shows too few trades paid as agreed.

I have never been late on a payment to Chase, and always pay way over the minimum amount due. I requested my free yearly credit report about a month ago, and all of my credit accounts are in good standing. I have been trying to maintain good credit by always paying my Chase account on time, and paying over the minimum due. I am now being punished by Chase for doing so, as I'm sure, them closing my account will negatively affect my credit.

I received my statement for January and my rate increased by 6.25% I have always paid my bill on time and when I called to complain on 1/29/10 and not accept the rate increase and close my account, Lali **, the account manager of Chase, refused to do anything about it. She stated that a notice was sent out in September (which I never received) saying the rate was increasing.

I stated that since I never received the notice, I want to close out my account now and not be charged this increase. She refused, stating there was nothing she can do. I feel this is illegal in so many ways and extremely deceiving to consumers who pay their bills. It is fraudulent in the fact that they can do this without our acknowledgment. The consequence is extremely high interest rate increase! I'm trying to find the money to pay this off now.

I have terminal cancer and these people are calling me more than 20x a day. These calls are not for me and I want them to stop. I am cancelling my Chase card right now because of this harassment, and I am notifying the attorney general's office. As I said, I have metastatic lung cancer (terminal) and have difficulty breathing. It is very difficult to get to the phone. This has been explained to them many times but the calls don't stop.

I called Chase Credit Card company about them raising my interest from 0% to 10.24% to 19.24% to see if they could lower it. The representative said they are not lowering interest rates at this time. I said so, "You are not lowering anyone's at this time". She then said, "Not on this account at this time" so I said, "which is it you are not lowering any or this account?" She said I can try back in six months to see if I am eligible. I said, "So why am I not eligible at this time?" She then repeated, "You may try back in six months" I said, "I want a reason, because I pay; I am not late. I make my monthly payments. I want an answer." She could not give me anything except they are not lowering them at this time.

I then said I want to speak to someone else, to give me a supervisor. Well, that did no good either. I told him the same thing and even added that last year I even paid off my balance of around $3000, and have always been in good standing. He said I could close my account, and in one to two billing cycles it would go back down, but never did tell me what it would go down to. I said if I close my account it should go back down today and what will it go back down to. Still there was no answer on my APR, just that it would be one to two billing cycles. I said, "So you would rather lose a customer paying on their account than someone who is not paying their monthly payments." I ended up just hanging up the phone before I would get very irate! This is ridiculous! I am so upset that my APR went up 9%. I could understand it a little bit more if I were not paying or were paying late, but I'm not! Is there anything people like myself can do?

I have a Providian Credit card since '98 and then it turned into a WaMu card. I started to have problems last year. I usually always make my credit card payment online. I was at the bank in May of '09 doing some banking duties and decided to make my credit card payment there at the branch. Well in the following month's statement, I noticed my interest rate jumped up to 28.9%. I called and found out that my last payment was posted late (the one I made at the branch) and that I was with the payment that an increase of the interest rate was written into the by-laws of my credit card agreement. I had a receipt that I paid on time but since the bank didn't post it the same day (I don't know why this was) that I was late and that was it! I was told that I had to make payments 6 months straight and then my account would be reviewed. Well, I had no choice so I made the payments on time (online of course) and after 6 months, I called back and Chase said that no, they couldn't change my interest rate and that I would have to continue to pay the outrageous 28.9%.

Now I make a simple phone call to customer support to talk with someone about making a complete pay off on this credit card and to get the most up to date balance. I received this balance and then went to the bank 2 days after this call and made the payment in full at the branch. "No problem," I was told. I now have a 0 balance and all would be good. Now I check online at my credit card and notice that the card has been cancelled.

I was furious and immediately called Chase to find out why. They said that my debt to credit ratio was too high even though I have no balance on this credit card. This is actually the only credit card that I own! I then talk to someone else in a different division and find out that the day after I called Chase the first time to find out the balance to pay it off, they made a decision then and had already cancelled the credit card without me even knowing anything. The girl at the Chase branch never mentioned this to me but was sure happy to see my money going to the bank for the payment. I will never recommend a Chase credit card or even simple banking at this institution to anyone ever. As of today, I have cancelled all my regular checking and saving accounts. I am still stuck with a Chase home loan but believe me, I will look for refinance with a different lending institution. Please be aware of the bad practices that Chase is getting away with.

For many years I have had a Chase card with a 36k limit. I recently received low interest promotional checks with a 30k limit. I decided to use one and a call to Chase confirmed it was OK to use. My balance is 0. After depositing the check in my bank it was rejected one week later. Chase fraud dept. called once to verify that I was the person writing the check. No mention was made of the refusal. When the check bounced, I called Chase and was told they lowered my 36k limit to 5k. Reason of course was their usual, too much credit.

I asked now that my limit is 5k, can I write a check for 4.5k? Answer was yes. Now that check has bounced. I made a call to Chase and was told the reason for refusal was too much credit. I said "but I just paid off another card with the same balance". Their answer was they don't care. I cancelled the card. I will not deal with a company that treats their customers like this and I can see from this site that I am not alone.

I check all of my credit cards monthly to ensure there have been no unauthorized charges and to verify my interest rates in the event I need to use a card. Chase has consistently raised my rates over the last year. None of my other accounts have had interest rate increases. I started January of 2009 with 8.99%. In March it went to 12.24%, and in April it was at 17.24%, and then went back to 12.24% after I called to complain. As of December 29, 2009, it went to 19.24%.

When I called to complain today and requested that my rate go down, I was told by Jane (no last name) that a letter had been sent in November that indicated the changes. I never received such a letter, and Jane did not care when I said that I would pay off the card and close the account. After hanging up with Jane, I wondered why the information isn't given online, as I don't use the US Postal Service if I can avoid it, and do all of my banking online. So I called Chase again to ask where that information is indicated on my online statement. I spoke to a woman named "Zarr," who said that they don't post that information online because "it might get lost". I asked if she was kidding, since I am confident that my secure online account is way more likely to get info to me than the US Postal Service. She did not have an answer, and when I asked to speak to someone else to complain, she said that she would give me a number to call. I said, "No, I want you to transfer me, because I don't want to have to call back again". (I noticed that my account number and the last four of my social were not recognized each time I called, and had a heck of a time getting a live body.)

What a surprise that all I got was another customer service person named Jill H. Jill told me that the notice was included in my statement, but since I had my statements open and was looking at them, I asked her where the info was, as it is not on my statement. She insisted that it was, at which point I asked her to tell me the page number and the line number. Of course, she couldn't, because it wasn't there! (Looking back at previous statements indicated to me that important changes were noted on the Inserts column in the past.) She told me that there was nothing she could do, all interest rate reductions were stopped until after February, when the law passed by Obama goes into effect, which is what you wanted. But, very helpfully, she offered to pass my concerns on to the Powers that Be.

I don't have time to give her a lesson on how American laws are passed, and I definitely think she watches too much Angel, so I asked for someone who might actually be able to answer my questions. After a brief hold period, a man named Brett A. came on the line. He identified himself as a customer service supervisor. I explained my question, and he told me that we are not allowed to post alerts online. When I asked, not allowed by whom, the government or your company, he said that the government forbids it. I assured him that I would verify that with my Congressmen. In the meantime, I asked that my interest rate be returned to my previous rate, and he also told me that he is not able to do that. He said that every single cardholder now has that interest rate. I commented that I would then pay off the less than $1000 that I owe and never use Chase again. That in fact, Chase will never see another dime of my money. He seemed very apologetic, and he may be one of the few that work for Chase who recognizes poor business practices. Needless to say, I was very angry when I hung up, and called my husband to complain and to question his interest rate, since he also has a Chase card. He went online and checked his statement, and lo and behold, his rate has not changed! I advised him to call and ask, and he advised me to call Chase back and ask for Brett A. and ask him to send me what he told me in writing, along with the so-called November letter.

I called Chase back, went through the same nonsense of this account number is not recognized, etc. I finally got a representative on the phone and asked for Brett A. I was told that there is no way of knowing what call center he is in, so I asked for a supervisor or manager. A woman calling herself Rachel M. came on the phone, identified herself as an Account Supervisor, and asked for my name. She told me that the account I was calling for is not my account! I asked her to check my social security number, and sure enough, there was my account, same number and everything! Amazing. Anyway, I explained my problem and she was very nice, at first. She said that there was no problem sending out a copy of the November letter.

When I asked about lowering my interest rate because, after all, I am an excellent customer, she said that there would be no changes until sometime in the spring, and they would evaluate based on my credit score. I asked why they can't just lower it now, and she said , the cost of lending has gone up. I asked why I should be gouged for that, since that bank took the bailout, used our tax dollars, and were given a break. I think she was annoyed, because she said, "We were forced to take that money even though we didn't need it. And then we had to pay it back at 14+% interest (I don't recall the exact number, other than the 14), which cost the company over $2 billion". I then asked why the consumer should foot that bill? She was very agitated and told me that there is nothing more I can say. I then asked if she could give me that info in writing, and she repeated, "nothing more I can say" and hung up.

Of course, now my question is this: If Chase didn't need the money, and it was forced on them, why didn't they just pay it back the next day? Is this very strange to anyone else?

Modern Destinations Unlimited (MDU) sold me a travel service that normally I can get for free. But MDU offered me special discounts and services. They seduced me to sign a contract to get that special service with a "No Rescind" clause.

Once I saw the product, it was obvious that the merchant could not provide the special service. So I cancelled the contract, using the process stipulated by the New Jersey Law covering the "3-day cooling off period." When I presented my original case to Chase, they sided with the merchant based on the No Rescind clause, because Chase considered the contract valid.

On my re-dispute (second), I showed that the merchant could not provide the special services stipulated on that same contract. Chase would not consider it, and they rejected it again based on the No Rescind clause. I discussed FCBA (Fair Credit Billing Act) with Chase, where it clearly states my right to dispute a charge and get a refund for "Charges on goods and services I didn't accept or weren't delivered as agreed." They listened and did not disagree, but they would not reverse their decision.

Chase communicated to me (verbally) that they reach a decision on my 3rd re-dispute claim, based on the following: 1) There is a signed contact with the merchant with a No Rescind clause. 2) Merchant can provide a travel service.

According to Chase, the agreement they have with Master Charge does not cover "quality of service." Based on their interpretation, the fact that the merchant has a service is enough; the services promised not being delivered is not disputable--that is a quality issue.Chase also mentioned that the contract stipulated I could not hold MDU responsible for anything they said at the presentation. I explained (and they did not argue) that my breach of contract claim is based on the contract, not on the presentation.

Key point: Based on the above definition, the second I put my signature on the MDU contract, I could not cancel. That is simply not legal according to the FCBA! Chase or Master Charge cannot institute a process or procedure that limits my right to dispute a charge, because it is difficult or inconvenient. I advised Chase that I do not agree with their decision, and I will continue my dispute via the OCC and the FTC. And I'm considering a legal action against Chase.

Chase Bank sent me balance transfer checks one day to use up to my full credit limit and then cut my credit limit by $6000.00 two days later and told me I had 45 days to pay off the new over limit balance or be hit with fees and higher interest rates. When contacted, their response is "we can cut your credit limit anytime by any amount that we want". In my book, it is fraud. Straight and simple.

I was told today when I called Chase about my bill that the $28.92 finance charge I was charged this past month was routine and not reflected by my account's standing. I was transferred by Wamu when Chase bought them out and the rates have been steadily going up every month. This is outright fraud. My minimum payment of $40 is now actually $68.92 plus another finance charge of $5. Why are there 2 finance charges bringing my monthly amount due to $73.92? This is nearly double! I knew I received a letter when Chase took over, but was never told that my finance charges would be this high. Needless to say, I will be paying off this card and will not use a card at all in this economy. I will not support banks making money off people who can ill-afford to pay this exorbitant rate.

I actually cannot afford to eat this month because of the high rate I am paying. I am scrambling to figure out a way to pay this card off and cut it up. I would love for a class-action suit to be brought against them as this is or should be illegal. I have been in good standing with the company paying more than the minimum until I missed a payment in December. I have had brain surgery and occasionally do forget a payment. I was stunned at the attitude of the customer service people I spoke to. They said it did not matter how good my credit with them was. They would still be charging this fee. Contact me only if a class-action case is filed. Thank you for letting me vent. I will never ever use Chase again!

Chase has done it to me again! I applied for a Washington Mutual card a few years ago. I had about a $1000 balance on it. Then came the financial meltdown and Wamu went down the tubes and Chase bought them. Since that debacle, Chase has mushroomed my balance and the interest rate is 31%. Now my balance is $3,000 and I don't use the card! Chase did this to me once before and I swore I would never use them. In this case I didn't have a choice. Don't use Chase. Stay away from them.

I got a Washington Mutual Credit card a couple years ago. Well, when they went belly up, Chase bought them. I had a horrible experience with Chase years ago and I am still paying for it. I had about $1,000.00 on the Washington Mutual Card and I was making extra payments so the balance started going down. Then when Chase bought them, my interest rate ballooned to 31%. My balance has mushroomed to $3,000! They are doing it to me again. Stay away from Chase or they will suck all your money up in high interest!

This credit card feels like a ripoff. I first opened it with Washington Mutual, not Chase, but WAMU went under and I feel like I got stuck with these people. They have raised my APR. If you owe, their policy is to continue to hit you with finance charges. How do you get your bill down if you are being penalized because of it and will continue get penalized until you pay your bill off? I've spoken to their representative and as well as a supposedly floor manager and no one could even offer a one time curiosity even though I offered to pay the card off. It's causing extensive damage to my credit report. This could hinder me from purchasing anything at a decent rate.

I did a transfer balance for a low 3% interest rate, giving me a manageable monthly payment. They have raised the percentage of balance I must pay each month, so that my monthly payment is doubled to $160 per month. If I want to maintain the same low monthly payment, they said I must change the interest rate to 7%. My credit score is good and I always pay on time. Beware!

I had the same thing happen as Linda in Los Angeles. However it is not Discover that did this, it is Chase. Chase sends out low interest checks after running your credit report. Then when you use the check, they deny them and lower your credit limit as well. This causes 3 things: 1) A fee for a returned check; 2) A fee for being late on the payment you were writing the check to; 3) Credit score being lowered because now since they lowered your credit limit you are most likely very close to it which is one of the criteria for your score.

My suggestion to anyone getting these checks between now, Jan. 2010 and Mar. 2010 for a low balance is to write the check to yourself, then after the check clears, write a personal check for the bill you are wanting to pay off. This ensures you will not be late on a payment and if the credit card company decides they cannot honor the low rate or check they sent you, you will only be out 1 returned check fee to your bank which will not show on your credit report. I know no one wants late or returned check fees. But if you find you have to use the low interest check a credit card company sends you, write the check to yourself and deposit it, then write the personal check once you see the check has cleared on your credit card statement the following month.

I had a credit card with WAMU that I was never late on, never went over limit or any other problem. When Chase bought WAMU, my card was suddenly canceled and I did not find out until I tried to use it for a business transaction. I called to see what the problem was, after paying with another card, and was informed at that time that the card was canceled. I owed a little more than $300.00 at that time. I felt this was unfair and tried to get it resolved, but Chase has absolutely refused. When they refused, I started paying the minimum amount each month, until I got so disgusted, I informed them I would pay no more. They raised the rate, after canceling the card and reported it in default to the credit bureau.

Chase started calling and it has become a real nightmare. They called me on my cell phone 25 times from Dec. 26 - Jan. 21. I finally got into a shouting match with the last person that called and they have not called back in a couple of days, but they did report this same account twice on the same day to the credit bureau. Now it looks like I have a double hit from them in retaliation.

I received notice of increase in finance charge when I changed the due date on the Pier 1 Chase Credit Card. Very poor, I say and will change due date back and complain to Chase also!

I received a letter today from Chase, PO Box17198 Wilmington, DE 19850-7198 telling me about important information regarding changes to my account ending in 3529. I have never had a Chase Account and it did not give me any information on whom to contact. Can you help me out? Thanks.

Sometime ago, I had a $247.89 online 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 requested cancellation of that late fee. A guy named Anjali ** rejected my request. This time Chase credit card increased the late fee to $45.50. I suspect cheating involved.

I have several credit cards issued by different banks that have lowered my credit limit, raised my rate, and made it almost impossible to make the minimum payments now. My FICO score has dropped tremendously as a result and they could care less what they are doing to my credit. I have never had a late payment with any of them. Please help. I can't fight this alone! My credit is ruined and my health has been affected.

I had not received any bills and called to find out why and how to make a payment. I used the account in Dec and figured I should have an invoice by the middle of Jan but it did not come. So I called to ask when it was due and how much and was told I was past due a huge amount and needed to make a payment right away. which I of course did. However, since I had no billing I thought they should wave the late fee, to which they answered no and even raised my rate! They told me to prove I did not get any bills since they did not get any back. Well, I had moved and left a forwarding address. Nothing had come and since I had not used this card for over a year, I never thought about it being a problem.

I had just used the special interest checks I had received in the mail which would make one believe they had a current address but I was told it was my fault for not updating my address with them when I moved. (I have since done that on the day I called them) No supervisor would speak with me and even though I was told one would call me back, no one ever did.

I just discovered that Chase raised the interest rate on my Freedom card from 10.99% to 14.24% on my Nov 2009 statement. I never received any notice, written or otherwise, of the pending increase and was not given a chance to opt out. From reading the other complaints posted here, Chase Customer Service is telling people notices were mailed to everyone (in July 2009?) when in fact they were not. Like everyone else, this is something I would have paid attention to if I'd received such a notice. A class action lawsuit perhaps?

I received a call from your fraud protection department. After giving my name, last four digits of my SS number and credit card number, your operator pulled up several asinine questions, such as giving me the registration number of one of my boats and asking the hull material (I owned two boats of different materials. How do I know which one you're referring to?), and the name of the airport I'm traveling to on April 5 (I don't know the name of the airport in New Orleans, but she wouldn't take no as an answer). The fraud protection is worthless, asking questions that have little importance or are not retrieved easily!

If the reason you called is to okay the charge to www.**, it is okay. This was a disgusting way to try to verify!!

I originally posted this back in December last year. For the past 5 years, I have had a Wamu Credit Card. I always paid my card down. When Chase acquired Wamu last year, I continued to make purchases and pay down my account on time, always payments greater then the minimum. Over the summer, Chase raised the interest rate to 29.99% and closed the account. I called Chase and was told that my debt was too high. I immediately paid down the card to about $1000 (credit line was $10,000).

I asked Chase (in writing) to reactivate the card and decrease the interest rate. They responded saying no as I had a bad credit history and made late payments on the account. My FICO score is over 700 and I never made a late payment. I wrote back asking for details as to the late payments and was told Chase was in error and that there were never any late payments. They were now saying that the interest rate was raised due to a review of my credit report. I subscribe to several services (equifax, etc) and monitor my credit. I was just approved for a car loan and have no blemishes on my report; as noted my FICO is over 700.

I wrote back to Chase and asked for a formal review with a case number assigned. They responded by telling me the reason my interest was raised was that I was 1 day late on a payment. They supplied details. Apparently the due date was on a Sunday and they did not post the payment until Monday. My bank account (also Chase) shows the payment was made on the Sunday. I am at wits end. I have closed all my banking relationships with Chase but wish to file a complaint, maybe with the NY Attorney General's office. The only reason they did this was to gouge consumers before the new laws go into effect in February.

Well, I wrote both my Senator and my Representative. I received letters back from both telling me that they would forward my complaint on to the NY State Attorney General's office. About two weeks later, I received a letter from the NY AG telling me they would be pursuing my complaints. Last week I got a call from a Senior VP in Card Services from Chase.The first thing I asked him was, "did you get the letter from Mr C?". He said yes. I then said, "What are you going to do to make this right?"

Well, they lowered my interest rate from 29.99% to 10.04%. They refunded retroactively interest charged at the higher rate (almost 400$) and they r-instated my card. I guess Chase really does worry when the NY AG comes knocking!

Back in August, my husband and I decided to simplify our lives some. We went to our credit union and worked with a personal banker who called and got the payoff balance of my credit card and sent them a cashier's check from the bank to them. Two days later, I called Chase to make sure that my account had been paid in full, which was confirmed. I closed the account.

This month, now January 2010, I get an email saying my statement is ready. I found this odd, since I should not have statements from them. Lo and behold! They charged me $1.50 in October for "finance" charges. I called immediately and was told it is a legitimate charge since it was a finance charge. They charged it monthly, took it off, charged it again. And since I just found out about it, I now have negative reporting to my credit. Awesome!

The woman I spoke with kept saying, "I have now been on the phone with you for 45 minutes. I feel I have answered your questions. There is nothing I can do." I didn't have questions to begin with. This is a serious problem! I never had problems when this particular credit card was a WaMu. But since the transfer in February 2009, I have had nothing but issues. I have been told over and over that "it is in your terms and conditions." I have told them over and over that "I have never received your copy of terms and conditions. I have never received a paper bill. I have received nothing but one email from them!"

It seems to me that this bank is trying to monopolize by making the statement "If you don't have credit with us, we are going to make sure you can't get credit with anybody."

In December 2009, I opened my credit card statement from Chase and was in shock to find that my interest rate had been raised from 8.9% to 15.24% for no apparent reason. Since I have never made a late payment and have always paid more than the minimum amount required, I couldn't understand how Chase could do this to millions of taxpayers who have footed the bill to bail them out. The only reason that I can come up with is that the banks know they can treat customers this way and get by with it.

There should be some avenue that the customers of these companies can take to negotiate the interest rates back down to the percentage rate that was originally on the customer agreement. In my opinion, the behavior of Chase and other institutions should be viewed as unethical and almost to the point of displaying predatory lending practices. With my interest almost doubled, I will be in debt to Chase much longer than I ever anticipated, especially when over half my monthly payment is applied to interest which is going into the pockets of bank executives in the form of insane bonuses at taxpayers' expense.

Chase raised my interest rate. I closed the account in April 2009 and stated I would not pay any membership fees but would continue to pay them until the balance is paid off. They sent me a letter stated they had closed the account. In January 2010, they charged me an $85 annual membership fee. I asked for it to be removed since the account was closed and I had no membership services. They will not remove the charge and will continue to charge a fee each year until the balance is paid even though I can not use the card (account is closed). The balance is large, so they know I can't pay it off quickly. I believe this violates Senate Bill S235 Section 127B by charging a fee because I have a balance.

Follow-up to my complaint: I wanted to let you know that after an email chain to several Chase representatives, I was able to get the late fees and finance charges reversed on my credit card accounts.

I paid my credit card online on 1/20/2010 and at of the end of the day, 1/21/2010 the payment has not been posted. On 1/21, I charged my car registration to that card and then it was denied. Do we need to staff up? Why can't we keep up? Let us create jobs. Let us staff up to meet the needs of our community.

After the credit card was cancelled and paid off, a charge was sent three months later saying we owed residual charges and that the charge was accruing interest since Oct. We never received a statement, in which they said three were sent and that the statement was sent online twice before this email. We never got it. We were given a pay off amount and within 3 minutes we're online paying it off.

My wife and I have a Chase Credit Card. The balance on the card due on January 11th was $1645.76. The finance charge was $17.78. (On the statement due in December, 2009, the finance charge was $6.) Our only income is Social Security but we managed to pay $100 toward the charges on the credit card for January, 2010, thinking that would lower the finance charge. We have not used the card to buy anything for months.

The billing we just received for payment due on February 11th, 2010 says we owe $1563.86. The finance charge for that amount is $18.10. Instead of lowering the finance charge since we have paid off almost $100 of the balance due, the finance charge has gone up. Where will it stop?

I have been a Chase credit card customer for a long time and never missed any payments. I got my Chase credit card statement on Tuesday (1/19), and found there was late fee plus finance charge. I then realized I actually never got my statement for December, so I missed that month's payment. I called Chase right away and explained what happened. The answer I got was Chase sent out the statement on December, although it never reached to me. And it is not bank's error so they can't waive the late fee for me. I told her it's unfair to me, since it's not my error either and I requested to talk to a manger. She said she can't get a manager to talk to me, but she can transfer me to her manager's voicemail.

So, I left a VM but never got the call back. I then called Chase again on 1/20. The lady who answered the phone was so rude. She kept interrupting me and refused to transfer me to a manger. She simply said no mangers will deal with this, in a very rude manner. She also asked me why I didn't call earlier when I didn't get my Dec. statement. I explained to her I didn't realize I missed a statement until I got this month's statement. She asked me to pay the balance first and then call back again.

I paid my balance on line on 1/20, and called again today (1/21). It starts all over again. I had to explain what happened and then got the same answer. This is not bank's error. I told her this is not my error either and I need to talk to a live manager. She said, "I can only transfer you to a VM." So guess what, I have to leave a message again to a VM and passively wait for someone to call me back, which I don't know will happen or not.

I don't understand how Chase values their customers. Their customer service is just so terrible. It's so hard for a customer to access people who can solve the problem, and their representatives are so rude. Chase keeps saying: this is not bank's error. I understand, but it's not my error either, since I never got that statement. It's just simply unfair to me for the late fee charge and skyrocket high finance charge, $15 interest charge for missing 5 days to pay $436 balance.

I used my Chase credit card for some business expenses beginning in spring 2009. My credit rating is excellent. The card had a 0% APR, then went to 8.9%. At some point, they upped it to 27%. I pay online, so I did not notice. Over the last year, I have paid $2,000 in interest on $9,000 principle, with no reduction in the principle. I just assumed that my rate was 8.9%. It wasn't. Chase will not lower the rate. I will transfer the balance. And, Chase was bailed out.

In mid October, I wrote to you complaining about Chase Credit Card Dept. We paid our bill of approximately $10,000 because our APR was raised from 4.8 to 28.5 which we knew was outrageous. A couple of weeks later, we got a bill for $78 and we told them our bill was paid in full and we were not paying another dime. They told us where we could go, several times. Since there was no reasoning with them, I wrote a letter and sent proof of our having paid our bill in full to our District Attorneys Office Consumer Affairs. Both my husband and I spoke to them over the last three months and each month Chase raised the amount they said we owed.

On January 19, 2010, my husband received a call from Chase stating our balance was zero. They followed that up with a letter stating our balance is zero. I just thought it might help someone to know that if you can stick to your guns it sometimes works. We are seniors with nothing to spare so that what we did. Good luck to everyone who is still dealing with Chase. They will never get our business again.

Chase Credit Cards did not make a reasonable attempt to provide customer service. They hang up when you try to accomplish credit card banking. Going into the bank in person resulted to problems. They just referred me to call Customer Service. Asking them to cancel the credit card is not working.

I have 2 Chase credit card accounts with different billing cycles. This month, I didn't receive an email about my statement being ready for either account. Consequently, they have charged late fees and finance charges to both accounts.

I paid my bill at 4:41 pm on the due date. I was charge $96.00 for finance charges. It must be paid by 4:00pm, which we had no idea. They would not take off the $96.00 charge.

Washington Mutual's introductory offer is at 0%. Chase purchased it, and in the last year, the APR has gone up to 19.24%. I recently paid 10 minimum payments and it changed my balance only 16 cents. I called and was told too bad. I have always paid on time and usually more than the minimum. I feel violated and will pay off the stupid $400 as soon as I can, but this is downright disgusting that this is legal. I'm a woman I can say that I feel they have me.

They can do anything they want. What kind of government allows this theft to go on? I give them $10 and they give me credit for 16 cents. Do I have any rights? I feel I am held captive. I am a low income single mother and this is actually legal. To steal from my children, just because I needed to use the card for an emergency, now I'm an emotional basket case because of being so raped by this system.

Interest rate has increased from 9.99% to 29.99% in a year and a half since Chase has bought WaMu. My account changed to Chase in March 2009. They immediately increased it and has raised it a total of 3 times since March 2009. I pay my account weeks in advance, more than minimum. There is no validation for increase. Speaking to representatives of Chase, you can tell they are programed. I even got a hold of one rep that stated that because of the economy, Chase had to adjust by increasing interest rates.

That was the reason. Economically, I will never get out of debt at 30%. I have a low balance, but it is the principle. The distress is causing me to be sick at my stomach. I can't sleep and I have been working on this matter for 9 hours straight today. Started at 3:30 am. I have kept all my statements and went through to see what all was the problem. I refuse to pay 29.99% interest. So now my credit will be shot? I have fibromyalgia and already disabled. Stress brings more pain. So sad they don't care.

I called them about my credit card. I have not been late, not one time. And I always paid more than the payment due. I was so upset. I work so hard to pay my bills for them to just go up on my APR just because they can. I am 61 and I have tried to always do things the right way. I used to rave about Chase to all my friends. Now I am trying and praying that I can get away from them. My credit union is great. It is sad that Chase did this to their good customer. Without customer, it is not going to be a Chase.

Chase is a slow processor of payments. After 1 late payment after many years, they bumped my interest rate from 9.9 to over 27%. People all over the country are choosing to move their money out of bigger banks and into smaller, community-oriented financial institutions that generally avoided the reckless investments and schemes that helped cause the financial crisis. Fueled by the personal initiatives of thousands, it's a grassroots effort that has the potential to shift power in the financial system away from Wall Street and to Main Street.

Website was down on 1-4-10 thru 1-6-10. When I was able to make payment, it went through on 1-6-10, which is one day late. They have charged me a $39.00 late fee. The first female rep stated that I could have used other payment methods. I explained to her customers assume it will work and once you find it does not, payment will be late no matter what other option you use.

I asked for a supervisor and got argument; but finally Robert got on the phone with the same argument. I asked if it made no difference that payments were timely and more than minimum. Said I should have called and that it states on card and bill numbers are open 27/7. I told him it does not state that and checked to make sure. He refused to give me his supervisor. This caused a late fee of $39.00 and increase in monthly minimum. Now trying to get home equity loan.

I received a letter from Chase saying the interest rate was going up as of Jan 1. I called them in Dec to close my account. Their rep told me that my account, the only interest rate going up was my cash advance. He said, "Since you use it only for gas and groceries, leave it open." I asked if I would close it, would they lower the rate? Not at this time are they lowering the rate, but try again in Jan.

On Jan. 15, I called to check my account. I was so mad! They raised my rate and now I was charged for an overage too. I called Chase to talk to a rep and let them know. "Too bad, you should have closed the account before Jan 1." I said, "I tried but your rep gave me wrong info so I didn't close it in Dec." I have talked with three individuals from Chase and they all say, "Too bad, you are now locked in at the high rate." It is a scam! Have their people tell you one thing and believe them and now the consumer has to pay double payments almost! My payments are raised. Thank God, I still have a job but with this job market who knows for sure how long.

I paid off a balance on my Chase card as soon as the statement was released. I then paid off the balance again on the next month's statement as soon as it was released as there was a residual interest payment. I understood that. However, since I paid it in full immediately, I assumed the entire amount due was paid off. Apparently, there was another residual amount of $2.11 due and I was totally unaware of this. I started to delete any emails from them as they kept pestering me about transferring balances with zero interest and they sent me tons of junk mail with checks to use for balance transfers.

I ignored them. That was a card with no balance as far as I was concerned. One day I got a letter stating that I am 60 days past due. No other notices. I called them. I owed $2.11, and with late fees they charged each month, I now owe over $100. I am furious, yet I paid it off immediately. I wrote letters and got canned responses. It's company policy, they do not contact all late payments! I called them, they are snotty to me on the phone, it's company policy and I was delinquent!

I later discover that they have reported me to the credit bureaus as being seriously delinquent and that affects my credit rating. I wrote them again and plead for a review. It's obvious, I paid them off, paid again and overlooked the $2.11. I have always made payments on time and my records prove I have no other late payments on any of my credit! Why ruin my credit over this? Company policy is company policy and nothing can be done! You were late and therefore it needs to be reflected on your credit! Whatever happened to common sense? My credit rating has been ruined!

The APR on my Chase credit card jumped from 10% to 19% at the start of this year without notice. Chase customer service says that a letter was mailed on October 11th to inform me, but this was absolutely not the case. I read every piece of mail that is delivered, regardless of whether it looks like junk or not, and this letter did not arrive. Had I received this letter, I would have opted to close my account at 10% APR. Since I was not aware that the APR increased until after it showed up on my statement, I am told that it cannot be reversed. What bothers me about this situation is that it's the second time this has happened, the same exact scenario.

Six months ago, I checked the online statement of my other credit card and noticed the APR increased. So I called a Capital One customer service rep who told me that they mailed a letter three months previously and I had not responded in time. When I explained that I never received the letter, the agent responded "we can't control the mailing system". But who is to say that the letter was actually mailed? I find it highly unlikely that I would miss two important letters, when I was looking out for them. Since our country's economic dive, I've been worried that, like so many others, my credit card APR would increase or my limit would be reduced. It's just really upsetting that with more regulations, companies are now finding creative new ways to sneak things past their customers.

In the late summer of 2009, I had emergency surgery and was out of work for a couple of months. I was late on my Chase credit card payment, but resumed regular and on-time payments since that time. We had continued a business relationship until this week when Chase canceled my account. I only found out about the cancellation when I tried to use the card. I had no letter stating that my account status had changed. I had just received my last statement showing a full available credit limit and a $140 credit on the account. The reason they stated for closing my account was that I had a late payment in 2009.

I have been a Chase customer since 2007. The customer service representative stated that I had no recourse or appeals process in which to participate. I don't understand this situation at all. I am a home owner, my house is paid off, my car is paid off, and I only use two credit cards. I was indeed late in the summer of 2009, but have been a prompt paying customer before and since. I paid their late fees and continued to have a business relationship with them for another six months before they canceled this account. The closing of my account is going to have an adverse effect on my credit rating. Credit is so important these days and it appears that Chase is willing to damage mine for what seems like arbitrary and strange reasons.

I am very upset. I have just finished a dispute with my Amazon Chase credit card about the over limit fees which are against the law to charge. I also made sure they put on my account not to allow any more over limit purchases. Now I hear my statement and they did it again. Today, I called and spoke to a representative which the phone call was being monitored and she told me they are allowed to charge since the purchase was not authorized by the company. That is not acceptable. It is the companies fault for not authorizing and should not have gotten the money, just as if I did not have the account anymore. Furthermore, would I be able to make a purchase for an extra $10,000 and they would receive the money because they did not authorize it? But obviously Chase is once again taking advantage of trying to make extra money by deceiving its customers. I want this charge immediately removed.

Wow, my experience isn't nearly as bad as some of these I've read and now I'm even more glad I cancelled my Chase card. I got my card almost 6 years ago and purchased literally everything with it and would pay it off every month. A few years ago, when my card was Washington Mutual, I transferred apartments and my mail didn't get put in the right box, so I got my statement after it was due. I called the company and told them what happened and they took off the late charge. A similar situation happened this month and when I got online to pay my bill, I was one day late. So again I called them and asked them to waive the $40 late fee and she said it wasn't a bank error so they couldn't do it. I told her that I thought it was terrible customer service that I spend about $2,000 on that card every ** month and they make money on every transaction I purchase with the card and they can't spare $40?! So I cashed in my reward points and closed the account.

Seriously, if they cant thank their customers by waiving a $40 late fee (which was only one day), then I don't want to reward them by having them make money on every transaction I do! I liked Providian and Washington Mutual but Chase--they don't give a rats you know what about customer service. Good luck to the rest of you with your interest rate hikes. I hope you get as far away from Chase as you can as soon as you can!

Today I received in the mail a letter from Chase, who I have had as a credit card carrier for some time. The letter said I had missed a payment and they were raising my interest rate to 23.99%! I'm very particular about paying off my debt. I don't like having it and I like to get rid of it as fast as possible. I had paid my credit every month on time. Or so I thought. I immediately called the number on the letter and spoke with a person named Josh, who couldn't clearly tell me when the nonpayment had occurred. According to my online account with Chase they had been paid. Meanwhile Josh kept telling me the problem was in November, not January, not December. Realizing I was dealing with a useless peon, I demanded to speak to a manager, and was handed off to a rude man named Josh. Mind you, I was trying to keep my cool at this point.

I'm well aware of the increasing ** credit card companies are employing to milk money from their good customers. Josh claimed I had paid my November credit card bill, get this, too early. Not late, too early. He said the billing cycle I needed to pay it in didn't start until November 7, and I had paid the bill November 6. I pay online, so I looked at the bill before I paid it the night of November 6. What I also don't understand is if my previous bill was due to be paid November 1, how a payment I made on November 6 wasn't in the next billing cycle? Seems rather convenient for Chase. Since I didn't have much of a balance left on the card, I paid it off, and I'm going to cancel it. But if anyone reading this has a Chase credit card, beware, they'll ** you over. I've found enough complaints online to convince me of that.

I made two payments to my Chase credit card account in November. The first was for $200. I decided to pay off the account in full, because I was unhappy with their policies. I made the second payment before the end of the November cycle. I am now being charged a monthly interest fee, and a late fee on a zero balance. I now owe them over $75 in fees. Is this fair? Is this legal? I am being charged late fees, and interest on a zero balance. I don't think I should pay this.

December 2008, I purchased $23. In merchandise from Pier 1 in Conroe, TX. I sent a check to pay the balance in full, the same day I sent my payment to Discover Card. I sent it from my parents' mailbox in Conroe and greeted their postal carrier that day. Discover received theirs before the due date. I routinely send my payment 10 days prior to the due date and have had no previous problems in doing so.

My account with Pier 1 card member services at Chase Bank is now paid in full. I had, and have a zero balance. I then started receiving invoices. I called to let them know they had made an error. They insisted my payment was late and that first $15.00 invoice was a late fee. No product, no merchandise, no service. I disagreed, stating the day it was mailed and stating Discover received theirs in time. Everyone I have spoken to has had one thing in common: Everyone admitted there was no actual merchandise or products or services charged. They agreed I had paid my account in Full.

I have spoken to Michael, Mickey, Gabriel, Michelle (more than once), Ramos, Isaiah, Jen, Miliea, Dianna, Nicky, Nhea, Rachel, Andras, etc. I spoke to someone who was shocked. The first person that apologized to me and couldn't believe this was happening. (I believe it was Dianna, by this time I'd spoken to over 20 people month after miserable month.) She said she would take care of it. She said it was clear I didn't owe any money & agreed I had paid for the merchandise in full I bought in the store. I was relieved.

The next month I received a bill. She had only taken off a few months of finance charges, late charges and accrued late fees. The original bogus charges were still there. I responded to a letter I received in July. I stated the names and dates I called trying to clear this up. I called Pier 1 to advise them of the situation, and that I had received no response. I spoke with Don, Mark and Susie. They expressed they were also not happy with the way Chase is treating lifelong customers like me. I agreed at first I would still shop with Pier 1, and just pay by cash or check. However, a group of are now not willing shop at Pier 1 because of Chase. The best they could do was to give me an extra 2000 point towards purchases. That is pointless. They sent me to speak to several people in the escalation department. A Waste of Time. Ruined my credit, have not have a job in 2 years, they always check credit history. Not getting unemployment, disability, etc. Cannot pay Doctors, prescriptions, groceries or gasoline.

I had surgery on July 16, 2009 and on September 24, 2009. While out on disability my employer terminated my job after 15 years with the same company. I am presently on unemployment and searching for a job. I contacted my credit card companies, and fortunately their hardship department lowered my interest a minimum payments. I am thankful to these companies, which are Discover and GE Money. My problem lies with Chase. I have four credit cards with Chase. One large amount was Providian bought by Washington Mutual and now is owned by Chase. I've never been late with any cards for years and years had excellent credit.

However, Chase will not negotiate lower payments, and unfortunately since December I just couldn't pay minimums of $200.00 and more. I asked for help only for a time until I find work. I get approximately 40 calls a day into the evening seven days a week. The representatives are mostly from India. They start off very understanding and courteous but it all leads to the same they want all the payments including late fees and raised interest. I've asked Chase to close these accounts, and it's like talking to zombies. I am at my wit's end and don't know what to do. I am willing to pay; I just can't pay the high minimums due at this time. I don't understand why most of the credit card companies are willing to work with their customers and Chase is like the devil, especially to a customer whose history with them was good.

I am so stressed out and can't sleep because I am late with these payments. My credit is getting ruined each month that Chase refused to work a payment plan out. By Chase doing this and tacking on all these additional fees I'm afraid I'll never be able to pay back what I owe. Damaged credit and chronic stress on top of losing my job after 15 years makes everyday difficult to deal with.

Last September, I opted out to their offer of raising my APR to 29.99%. As a result, they closed the account. Fine. Even though I requested this, they are still charging me the 29.99% regardless, and they will absolutely positively not honor their agreement. I cannot possibly pay off the balance with a payment of $194.00 at 29.99%, when only $50 goes to principal! It's making Chase rich, and me broke.

I have had a home equity loan and bank accounts for over 7 years. I just tried to get a check endorsed by Chase payable to them, myself and my primary home lender for the repair of my roof. I had previously had a check endorsed by them on the first payment installment from my insurance company. The branch, which had endorsed the previous payment, told me they couldn't endorse the second payment because the department that approves the endorsement is not available due to weather conditions. My check was for a little over $3,000. A nationwide bank cannot provide a customer in Texas, who has had a relationship with them for over 5 years, with an endorsement on a $3,000 because some location is closed due to weather conditions.

The bank is quick to find personnel to track any customer down 6 days a week if a payment is late or if there is a problem with your accounts, but it cannot provide services to endorse a three thousand dollar check when the customer needs it due to "weather conditions". This isn't the first instance with Chase where they have demonstrated that when they need something from a customer, there is no room for error. However, when the tables are turned, Chase holds a different view and doesn't care about a small customer's situation.

This is my third incident with the same account. I called at beginning of December to get a balance due, and informed the company I was sending the amount in full, via bank check within several days. I started receiving harassing phone calls, always a recording, three or fours times a day at both phone numbers. I called a week later, attempted to explain the situation and was told there was no record of my correspondence. The woman was rude and nasty. I hung up on her. Again, I got the harassing phone calls.

Today, I called again, because Chase closed my Amazon account which was in good standing due to the situation with the other account. I received a letter saying the first account was closed. I was told over the phone that my Amazon account was closed. This was contradicted twice when I attempted to resolve the situation today. The bank will reissue the check and send it directly. Chase refuses to waive the interest fees of $31, and has threatened to charge further fees if the payment is not received on time, despite the fact that I've told them when to expect the check.

They have attempted to mar my credit by reporting to the Credit Bureau. They were the only company who sent a letter to the car dealership with whom I purchased my newest vehicle (three weeks ago) stating that they did not recommend me as a good credit risk. I am cancelling all accounts with Chase. I refuse to deal with Amazon.com or Disney due to their affiliation with Chase. Chase does not care about their customers.

I had a credit card from WaMu which I never had any problems with. Chase bought them out, and (1) I never received a new card with their name on it. (2) They closed my account without notifying me. (3) They closed the account for over-the-limit charges which were incurred by them. Account paid in full was still not good enough for them. Do not get a Chase Credit Card.

Sometime ago, I had a $247.89 online purchase with Sony Inc. I made the payment online in time. However, for unknown reason, 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. Unfortunately, I was subjected to a $29 late fee, which is now increased to $33. I requested Chase credit card to remove that late fee charge, but to no avail. They keep the $29 charge. I suspect cheating involved.

I have a Chase Mastercard. I didn't get one of my statements in a timely manner last fall, and therefore the payment was late. Chase never notified me of it, just cut off my card when I tried to use it. I spoke with them about it and they refused to waive the late fee. They told me I could still keep my 0% APR , as per the original terms of the agreement.

In December, the APR was still listed as %0. However, I just saw the Jan bill and it hiked the APR up to 9.6% and charged me a late fee of $119. Mrs. R. said they sent me a letter advising of this in Oct, but they didn't. They violated the new regulations and won't waive the finance charges. If you look on the internet, it appears they are robbing other people of their money too. First was a $100 late fee and now $119 finance charge. I have to now pay off the entire $14,000 balance or risk getting charged a 9.6% APR that I didn't agree to.

Chase is a crazy, unethical business these days. They act like one employee has no idea what any other employee is doing. The first thing they did to me was similar to one of the other complaints that I read on this site. Because they bought other banks, they ended up owning 3 of my credit cards over a period of about the last 5 years. Then they offered me incredible deals on all three for the last 5 years as well.

November of 2009, I sent payments on all three cards at the same time by snail mail. I sent the payments almost two weeks early. Chase posted the payments for two of the cards but conveniently lost the payment for the card with the most balance and least interest rate. I called them and used their offer to decline the interest increase and close the account.

Within a few days, I received letters saying they were decreasing my credit limit and closing one of the other cards. I went from 40,000 in credit to 4,000 in less than a month. When trying to get an explanation, I found dead ears to a customer that has done business with them for over 20 years. A company that does not care about its customers needs to cease to exist. Please everyone go to another company. I hate to have to leave Chase but they have made a choice to provide poor service and very poor customer relations. Unacceptable level of credit for a very loyal long term customer. They simply do not want to do business in the United States. Let them do business somewhere else.

Chase, without warning, closed my credit card accounts without allowing redemption of my earned rewards earned over my 20-year relationship with them. Their reasons given are vague and they refuse to discuss further.

I recently noticed that I was accessed a late charge on my Chase credit card. I have never made a late payment so I called the bank. It turns out that I had transposed the last two numbers 86 to 68. I had paid a few dollars over the minimum so the shortage was $11. Yes, I made a mistake. However, the entire payment was not late but for this very small mistake, I was charged $39. The customer service rep said, "We can't do anything about it because it was not the bank's mistake." I replied, "You mean you don't want to do anything about it, not even for a good customer of 11 years?"

We paid off our Chase Card two years ago. I called to cancel the card; they talked me into a fixed rate to balance transfer. I accepted and balanced transferred. There was a problem at first with bill date and pay date which put us to a higher rate immediately due to missed/late payment. I called immediately and believed I had fixed the problem as the rate returned to the 4% area and was told it was for the life of the loan. It stayed there for almost two years.

Last March, I received information from Chase stating that they were changing our terms and that we could close the account to freeze it or it would go to a higher rate. I called immediately. The customer service person assured me that it would not affect my balance transfer rate but any new purchases. I believed her and left the card open for a positive reflection on my credit score. I checked the next month's statement to make sure all was well. It seemed to be. We have it on automatic payment and do not touch the card.

Thinking it was taken care of, my husband just assumed all was well (He pays more than the minimum.), and I assumed the same. Now, I am pulling statements for taxes and realize that they pushed the rate to 9%. I do take responsibility for believing them and not watching it every month but decided to call anyway to see if it could be changed. Thank goodness, I had the mindset that I would do my best to see if I could change it but knew it might not happen.

What transpired with their "customer service" was a sad and surprising look into Chase and how poorly run they are. If you ever state how you feel, they automatically take it personally. I told them I felt like it was a "bait and switch." The customer service person suddenly almost screamed into the phone. How strange that I am calm, the one it affects; and she is screaming, the one it does not affect.

Whenever I have called them within the past 6 months, their customer service was poor at best and never gave the correct information as I had to deal with issues multiple times even when they were supposed to be resolved. This was easy stuff like the correct name on a bank card or adding a tax ID number. I thought it was only on the bank account side.

The credit card division is far worse. After calming the customer service person, I explained the situation; and her response was that all notes on the files are deleted after 120 days and the customer service person actually suggested that I lied. I told her to look back at the statements and history herself, for it is posted. With lack of notes, there is no confirmation of the call last year nor do they care to keep their original agreement with me even though there is something there that says that my balance transfer rate is lower than the new purchase rate.

One customer service person let it slip out. Apparently, the 120 days of notes is not true either. When I called back to speak with a supervisor the second time, there apparently were no notes of the previous call. When asking their customer service person if there was something that could be done, her response was "if you cared, you would have noticed and called sooner."

I was stunned by her nastiness. I asked if I had, would it have changed. She said no. Wow, when did that become customer service? My response was to have her transfer me to someone else to talk to; she was too unstable and getting too emotional. She seemed to take it as though my call was about her, even though I kept saying "Chase" and the "company."

The next customer service person did not listen. He seemed to be doing something else and just patronizingly saying "yes" every once in a while, not always at the right time. When I called to speak with a "manager," the response was that he understood where the original customer service crazy women came from in telling me that "if I cared, I would have called immediately upon receiving my statement." My response to him is that this is not correct customer service response ever. What she or he thinks has nothing to do with customer service and you never respond that way to a customer.

I have trained customer service people for years as well as dealt with employee terminations of customer service people that acted better than this. Chase needs to either train or fire their customer service people. It is not up to her to judge another's life and pretend she knows who they are and what they are going through.

My only thought was how would she ever know if the person she is speaking with had been diagnosed with a serious illness, had major life changes like losing a job, deaths in the family, etc.; and this was her compassionate and understanding response. So unprofessional and such selfishness. Their job is an independent third party, non-emotional and non-judgemental representative.

It is not the customer's job to calm the situation and have the clear head. I find this a lot with Chase customer service. I spend more time reassuring them that it is not about "them" and they have no horse in the race, so why the nastiness? They hide behind the "big corporate" monster, act unprofessionally, and will not transfer calls to managers or supervisors.

It is obvious the employees know how to game their system to avoid detection and act incorrectly. When they do transfer to a supervisor, they transfer to someone who does not have a management title and those people in turn say that their managers do not take complaint or issue calls. What? Whoever heard of that in a company or customer service? It sounds like the lousy employees have figured out how to block complaint calls and keep their jobs.

I will not cry if I read that Chase has decided to reorganize and fire a bunch of their staff. I will hope it is these people. Time to pass the word and teach Chase a great lesson on how to lose customers. If they think they are too big to fail, we can help them by going elsewhere, so they can become a viable smaller company that cares about their customers again.

I am moving my accounts this week. Luckily, we do not have much left on that card so it will be paid off or balanced-transferred quickly. For those who are stuck for now, maybe all of us need to join you in sending letters of complaint to our representatives as well as those on the committee in congress currently reviewing credit card companies and terms. We should all send complaint letters directly to the CEO too. You would be amazed at what the top brass does not know about the operations of their own company. Even managers two steps up are usually clueless.

I have held a chase Platinum Card for over a decade with pristine credit. Prior to the big credit crunch, and economical problems, due to a great degree of greed from the part of all these financial institutions, and their incompetent CEOs. I had a 5.11% APR prior the above stated mess. Chase increase my APR to more than double the percentage to more than 11%. Let it be noted that I have perfect payment and debt to credit ratio on record. I called and requested that my APR be lowered. I was bullied by the representative, who was unyielding and rude. I sensed, the rep is just following orders!

The tactic that upper management is using, is bullying its customers who were perfect citizens, who abide by the financial rules and laws, and yet, they are all being ** by big wig banks like Chase, because they can, and the laws allowed them to. What about my rights? It's my money after all. I have a $32,000 credit line with them, and I can't just wipe out my credit history. They know, we are in vulnerable positions, and they are stomping on our necks. Greedy! I am left between a rock and a hard place. There is no way out! The consequences are permanent debt, not to mention, added stress.

I have been an Chase credit card holder for over 5 years. I was never late on payment, and I never failed in paying on time. Suddenly, I see my April bill jumps up from 7.99% stable to 11.99% variable. When I called them to find out why, they said this is bank policy, and there is nothing they can do. They made me feel like they don't need me, so I said to myself, I'm very strict to make payment on time all the time and this is what I get? It was a very bad experience. I will never ever go back to Chase credit card. I told them not to send me any promotions any more. I will be happy if they disappear from the market. I was so frustrated and I feel betrayed because of them.

I had an overdraft fee today because the rep said the monthly finance charge caused me to go over the limit. I called customer service, and John, the service Rep, said he could not waive the charge. I asked if he would pass me on to a supervisor and his response was no. I called tonight and rep Mel wouldn't waive the charge and she wouldn't let me speak with a supervisor either. I canceled my card and I will move checking and savings also very soon. They also raised my interest rate from 5.9 to 14.99 a year ago and consumer service then was even worse. I read an issue of Consumer Reports a year ago and guess who was at the bottom.

I have paid my Chase balance in full in the last 3 months--October, November, and December 2009. In fact, I paid a $5000 balance in October. I thought it was paid in full as Chase issued me a credit as over-payment. I called and had the account closed. I did not get a November Statement (via e-mail). I had a feeling, so I logged back in early December 2009. I was surprised to see a late fee and finance charges of $60+. The short of it was Chase would credit me, and I ended up paying the late fee and the finance charges.

I was then mailed a "Zero Balance Letter" in addition to a "Closed Account Letter" from Chase. To anyone normal, this would be the end of it. Well, that old Spidey Sense tingles today (1/4/09). So I logged back into my closed Chase Visa account to find a $1.50 balance as a finance charge. Again, the Chase representative explained it could not be credited, and I would have to pay it. She explained it as a finance charge. On what?

Help! This entire experience is enough to make me never do any business with Chase!

What happened to me is criminal. I received a "dear john" letter in the mail on 1/2/10 from JP Morgan Chase Bank advising me that they had closed my Chase credit card account for having a high balance. Really? What good is a credit limit of $9,800 if having a balance of $4,500 is grounds for closure? I just charged the current amount in October, 2009, made a substantial payment is November, 2009 and got closed down in December. 2009. Up until October my account was paid in full. What a scam!

I have been a customer with Chase since 1997 and have recently had my APR increased to 22.24%. I have always paid more than the minimum payment and have paid timely. I called customer service tonight to request a lower APR and was told that they could not do it. The representative said they see 3 late payments in the past 1-1/2 yrs and the latest payment was 6 days past due. Chase has received government stimulus tax payer money and have turned into loan sharks. I would recommend you to tell everyone you know to not do business with Chase.

Chase Freedom card has charged me a late fee, and I think they purposely set me up. Every payment for the past year has been made from the second of the month to the eighth of the month. Only one payment was made on the 8th, all the rest were earlier. I made much more than the required amount due. They made my due date on the 27th. I believe this was a direct attempt to collect late fees.

In April, I made 2 payments which should have put me ahead a payment. Each payment was $150.00 and sometimes $100.00. I tried to tell them the due date was unreasonable. They said they would change the due date, but would not remove the late fee. I think I did request a payment change date many months ago, but it never happened and I did not keep on top of it. I requested a date change again and they have told me they could change the date due.

As a result of a 60% reduction of commission based income from real estate sales, I called Chase Credit Card Customer Service to politely request they close my accounts, (of which I have three with 25,000 limits), reduce my APR of interest, and negotiate a minimum payment amount I can afford to pay by monthly auto-payment draft from my checking account for period of one year. Being a customer in good standing for over 10 years I was confident Chase would be agreeable to assisting me with my request.

Boy, was I ever wrong. I was transferred to a total of 6 different individuals, three whom barely spoke English, kept on hold for a total of 45 minutes, disconnected twice, and finally was connected to a inexperienced, rude, sarcastic, representative named Phillip from Nova Debt Solutions who after one hour of asking me detailed, condescending questions, regarding my finances, work history, marital status, age, came to the conclusion, I should call Chase Bank and ask for, you guessed it...my accounts to be closed, reduce rate of interest, and establish a monthly payment I could afford!

Here I go again, upon calling again, I speak to Rebecca who rudely screams at me, "Nova Debt" is not connected to Chase Bank and I have no idea why Phillip suggested such. I informed Rebecca, that is was Chase Bank who had referred me to Nova Debt Relief...total silence...finally she replied, "I don't know what to do, we can you because you do not qualify for any of our assistance programs, perhaps you should file bankruptcy."

I was dumbfounded at this point and ready to explode! I will never, never, again do business with Chase Bank or recommend them to any of my clients. I want to work out a short term solution to make my payments until the real estate market improves. They have no interest in assisting me.

Chase Credit Card sent me balance transfer checks for my account with limited time low APR offers. I used one of these checks recently. Then, I received a letter from Chase that they were lowering my credit limit suddenly and would not honor the check I wrote. I now have to deal with the damage to my reputation, embarrassment and returned check fees associated with this returned check I wrote.

Chase took over my bank credit card on which I had a balance of $22K approximately. I had a guaranteed 2% interest on the life of the loan. Somewhere along the line (around April '09) they said they sent me a letter that they were raising the rates and I had a timeframe to "opt out" and close the account. Well I never did get this letter! I noticed that my rate jumped to 8.5% and called them. I was told the letter had been sent out and therefore I missed the opportunity to keep the rate at 2%. I told them I never got any letter, to which the woman replied "well then it must have gotten lost in the mail, but your time is up you cannot opt out" I told her that was shady business and I would seek out my government representatives and legal advice.

I am so disgusted I just stopped paying all together and now they are suing me!!!

I received a cash advance offer from my Chase Credit card that stated if accepted, I will pay 3.99% for the duration of the loan so long as at least a minimum payment is received from me by my statement due date each month. I accepted this offer and set up automatic payments for the account. Things went well for more than a year. Then suddenly last September Chase increased my minimum payment by well over 100%. I did not notice this change until 3 payments had been deducted and then I contacted the bank.

Not only has Chase refused to negotiate a minimum payment that will be beneficial to both of us, they have been unable to provide proof that they had the right to violate the agreement we had when I accepted their cash advance offer. The only solution they have offered is for me to call and claim hardship for them to see if they can adjust the minimum payment. There is a catch, of course: My account will be closed.

From their actions, it has become obvious that Chase is resorting extorting funds irrespective of the outcome.

I have been a loyal card member with Chase Marriott rewards for years. I had a credit line with them for $25,000 since I opened the account. I was offered a promotional check with a .99% interest rate to access from my $25,000 line of credit. I wrote and deposited their check into my personal checking account in the amount of $20,500 which I assumed was good. I paid some bills and was going to leave the remainder in my account for security purposes. A week later my personal checking account was in the negative because Chase failed to honor their check. Their reason citing they pulled my credit report which makes the second time since I opened the account and considered me a high risk. I have no negative information on any of my credit reports. I have always kept my account in good standings with them.

Not only did they decline the check after I deposited it, they lowered my balance from $25,000 to $3,500. This was all done after I deposited their check. I had just received a statement from them 2 days before depositing the check stating my credit limit was $25,000. The sad part is, I had deposited a check from them for $1,000 about 5 months earlier. If I was such a high risk why wasn't my credit limit lowered at that time? I have over $1,900 EFT charges as a result of this. It was a case of bait and switch. They didn't honor their promotion which was already bad enough but to lower my credit line that drastically is fraud none the least. I don't have bad credit plus I have always paid my account on time. They refused to change anything claiming they don't have to honor their promotional checks. But why was my credit line decreased so drastically as if I were being punhised without a valid reason?

on approx 15 dec. we received phone call from ms w of hanna law firm. claiming we owe 2300.00 to chase VISA. Igot no proof of this debt. the thing they have is address in california.Ireuested proof but the only they could supply was last 4 digits of card no.and ca.address we have lived in AR. since my retirement from USAF 7/31/1982. Idonot recognise the card no. we will pay anything owed legally.

I had an open line of credit on my Chase Visa of $10,000. Chase sent me a Pormotional balance transfer check offer for 0% for about 12 months for this open credit. I wrote two checks to pay off two credit cards with relatively higher interest rates. Chase upon receipt of the checks decided that they would not honor the checks and returned them to Discover and American Express and closed my account. I was charged return check fees of $38 and $39. Chase has subsequently credited my Chase card for these fees acknowledging that it wasn't my fault.

Have been paying my bills religiously on line. In fact, have been trying to stay ahead by at least 2 weeks before each bill is due. I evidently have made a mistake in paying my bills early because they charged me a late fee on my last bill when in fact I had paid it - it was just credited to my last bill - not the bill it was intended for. They charged me a 39$ late fee and are refusing to remove it. Very upsetting.

I was charged a late fee and had a promotional interest rate removed because they credited a payment to the previous due date, even though it was recieved 5 days after that due date. I send a payment every 2 weeks through automated payments from my checking account. By every due date I have at least 2 payments made, that together are $50 above the minimum due.

What their customer service agent, Mary M., told me was that because I pay every two weeks, instead of one monthly payment, the payment made Oct. 26 (October's due date was 10/21) didn't apply to November's due date (11/21) instead it was applied to October's payment, which had already been paid. She told me there was nothing that could be done. I either accept the new interest rate (3X the promotional rate) or close the account and continue to pay as I have.

Seems to me that either way I'm being punished for paying in a timely manner, in excess of the minimum due. Lost promotional rate, have to either accept this penalty or close the account.

I purchased a gown from the Bridal Mall in Niantic CT. I chose their option of having the gown sent to me since I live in MA and therefore would have to locate a seamstress in my area. The bridal insisted that I get a size 6 when the sample gown I had on was a size 12 and was slightly big on me. I argued with this and they said they would only change it to an 8 and to trust them. They also insisted that I initial the larger dress size.

So I received the gown in June 2009. The gown appeared ok at the time until I actually put it on with my first fitting in July 2009. I was told Seamstresses do not allow you to make appointments greater than 3 months from your wedding date. On that initial appointment I was made aware of several problems.

I then called the bridal mall to inform them of the gown defects and met a lot of resistance and was basically told it was my problem. The conversation got me no where. I then proceeded by calling my credit card company (whom I've been with for more than 10 years) and they agreed that I could dispute the charge. They instructed me to KEEP the gown until further notice. After momths of explaining my story to a new representative each time I called, I was finally assigned a financial service advisor, Tiffant W.. I initally wrote a dispute letter, then the bridal mall responded.

I had to write 2 additional dispute letters based on their responses which then led Chase to credit my account based on the information I provided. Here is their exact statement, "Based on your claim, we credited your account for the amount of the transaction ($1618)." I provided detailed pictures and another bridal stores measurements which were different including my height!

So not only did the dress have a defective pattern on the bottom, I was measured incorrectly by the Bridal Mall store located in Niantic CT. I was also instructed by Chase to send an email ot hte store in September to create a papertrail because it became a he said she said thing. In this email I attached digital photos of the gown for the store to view. I provided these digital photos to Tiffany W. via email as well. The store actually responded in the email saying the gown border is incorrect and shouldn't look that way and offered a new gown.

I immediately called chase for their advice. I told them due to the proximity of my wedding date I was forced to purchase a new gown. Chase representative told me that to respond by asking for a refund only. Chase told me what to write in the email. The store responded saying, sorry offered you a gown and you don't want it. Have a nice wedding! The store also claimed that they inpected their gowns which was another area I touched on because had they inspected the gown they would have noticed the defective border.

After a month the store responded with photo copied black and white photos that was beyond substandard that you couldn't even tell if it was a bridal gown. They claimed this photo was of my dress and proceeded to claim that I cut 6 inches off the bottom of the gown and altered the gown to make my case! This made no sense because you can simply measure the gown (which I had done by the seamstress) and see that it measures 53 inches from notch to hem as ordered.

At this point Chase continued to instruct me to hold the gown until further notice (I also mentioned this in ALL my dispute letters). I briefly spoke to Tiffany Waiyaki who asked me if I cut the bottom of the gown off and I obviously told her no. A month and a half later I received a letter from chase stating, "the dress was not returned to the merchant to allow them to address the issues or replace the gown. We were unable to prove the defects in the dress were the merchant's fault. The dispute amount will reappear on your next billing statement." I did not bring the dress to the store because I WAS TOLD BY CHASE NOT TO! Talk amount sinking your own customer!

I immediately closed my account with Chase especially since I have left several messages for Tiffany W. and have yet to receive a response back. You would think that as a "valued customer" as they call me, they would have handled this situation much better. UNBELIEVABLE.

I guess Chase also supports stores falsifying documents becasue thats exactly what the Bridal Mall did. Cost of the defective gown $1618. Ruined my wedding dress experience. Forced to buy a new gown and expedite 3 weeks before my wedding. Expedition fee approximately $380.

I originally have 2 WAMU credit cards, which is now owned by Chase Bank. I originally had a large balance on one of my card and both card had a low APR (10-12%). When Chase took over, my APR on one of my large balance card increased to 18%. I have been paying my bills ontime so I placed a complaint for the rapid increase. I asked an agent if she can lower my APR back and she said she can't because it's the bank's policy.

I decided to pay off my full balance to avoid paying the high interest. Chase also decided to lower my credit line because of my low balance and infrequent credit card use. They also charged me fees for having zero balance. I thought this was ridiculous. I also noticed them charge early finance charges on my balance. I'm so fed up with this Bank.

I've called and complained about the charges and they were very insensitive about any of the issues. They don't seem to value their customers. Everytime I place a complaint they are useless and unwilling to help resolve the problem. Is there a way to close a credit card without hurting your FICO score?

It's unfair to allow banks like
Chase ruin people's credit due to their unfair business practice. Everyone has financial problems and having a bank like Chase can make situations worst for most people. This has to stop! The problems caused my life more stressful financially and emotionally. I'm frustrated and feel helpless because I know that their policies are unfair and yet it is legal.

I want to close my credit but I don't want to hurt my FICO score. I didn't signed up for Chase. Wamu had a good policy and that's what I signed up for. Why do consumers had to suffer for WAMU's mistakes? Not I feel like I'm stuck with Chase. We need to stop the abuse from banks like Chase. Working people like myself have very little and banks, who are rich, are robbing us of our hard earned money. Please put a stop to this.

Honestly I dont know what exactly happened. All I know is that one day i went to use my chase credit card because my truck broke down in a different state other than where I live and when the persone went to process my bill, it came up denied? It had been a card that had just been renewed and mailed to me, and yet it didnt work!? Denied!

So i ran outside and called the number on the back of my card and asked if anything was wrong and why my card wasnt working, and they Not Nicely told me that they cancelled my Account! Confused and Frustrated I asked why? Especially since they just sent me my new card? They then again told me that they didnt have to explain why and they could do what ever they wanted and that after carefull review cancelled my account!

After that I was mad and frustrated and started becoming late on my payments! I never was late on payments before that. Ever! I received a letter of notice that they closed my account about two weeks after if happened wich was illegal! Not to mention wrong! I was left stranded in a different state with a broken truck and no credit card! That was about six months ago.

Recently i just came across extra money and sent them 5,000 dollars to them to pay down my credit card. Wich brought my amount down to a little over two thousand and to find that they now have raised my Apr! How is that possible if my account is closed and had been inactive for months. They dont even have my account stored online anymore. I still have my letter of notice of account closure and it stated that my account apr will be left at what it was closed at until the amount was paid if full, becuase of them closing my account. Now suddenly i pay almost all of my ammount off and they raise my apr! Thats illegal.

I called and tried to speak to someon who just kept telling me to mail a letter in and they will start an investigation! for what? they should investigate themselves!

The representatives are like programmed robots! And pretend they dont hear you. They just keep repeating the same thing over and over. Ya like we dont know that your reading something to me! They are not willing to work with you and just ignore you and not to mention ruin your credit history! and then they blame you for it! I think some major legal action has to happen to stop this horrible behavior that is allowed!

Because of this i cannot sleep or eat and am having a hard time at work and am a forman at work and shouldnt have to deal with this. My credit is ruined and will never be back to normal because Chase will not let me. Its like they wont set you free from your debt! They want you to pay, but once you do they make sure they raise something so that you can never fully get rid of your debt! I honestly think im going to have a nervouse brkae down.

I had a death in my family and for got my payment. I have always paid my card in full every month on time in full. [Their] corp. did not give me any extra time. [They] just stopped my card and made me feel like a fool to merchants I deal with. In short I think [they] were wrong. I expect some thing in return. I looked like a bum!

THe second time i call to try again i was told nothing could be done because my acount was close, do because i refuse they increase on my rate! now i have a late fee plus a new daily balance rate,all this came about because i refuse they increase in my rate, so my card was closes. so they have me for 7.99% on my balance and 7.99% on my daily balance. can some help, Thank you

Chase cancelled my credit card and informed the credit bureaus of same for non payment when in fact I had been paying via electronic check. I had a problem w/my po box (my mail was being sent back) that took 3 months to get corrected. During the 3 months my blanace was paid down to $1.50 from +/-$2,000. My card was re-instated but Chase reduced my credit limit significantly and all of my other revolving credit lines are NOW running credit checks on me and may reduce my lines of credit and my credit worthiness is being questioned.

I paid my credit card off in full on 11/30/09. I later closed the account and received a letter confirming that it was closed. Today (12/26/09) I receive a bill for $10.33. I called them to ask about the charges because I have not used the credit card in years. I was informed that the billing cycle occurred on 11/20/09 and I paid the bill on 11/30/09 however, there was interest between 11/21/09 and 11/30/09 that was not posted to the account. I do not understand how the interested occurred when there were NO purchases made. Additionally how did 10.33 occur in nine days? It sounds like a rip-off. Perhaps they got upset because I paid the bill off and cancelled the card. I could understand if the interest was two or three dollars, but $10.33 is a lot in nine days.

I have been a loyal customer for years upon years. I have always paid more then the minimum amount on my credit card. I have never been late with a payment on my credit card amount. I was told, when Chase took over from Capital One, that I would be locked into a fixed rate of 6.9%, and that it would never change.

I opened my credit card payment bill today ( 12/25/09 ) and the fixed APR went up to a 100% increase.

This is not only morally wrong, it is unethical ( but who is ethical on Wall street or working in the banks?)

I am cancelling my credit card and will start numerous website blogs, etc. to get as many people as possible to cancell their cards also.

In Aug 2009 I paid the balance of my account, and had calculated the finance charges to make sure I covered everything. I did this also with an AT&T card with no problems.

I thought nothing more of it, until Dec 8, 2009 when I received a letter from them stating I was 60 days past due. I had not received email or mail from them previously with any indication that I owed anything. They had tacked on more fee and I owed over $110 and my credit report stated that someone other than myself had opened an account with Chase and there were two unfavorable records for 30 and 60 days late recorded on the report. When I called I had to ask for supervisors because the representatives were unwilling or uncooperative enough to help. I demanded the account be closed upon my additional payment over the phone of $60.09 which they claimed was my complete balance.

The next day I discovered they had made another opportunity for themselves to make more money by leaving $1 in the account to accrue more finance charges. I sent a check to pay any more charges, and now appear to have a credit in the account, which I had demanded be closed. It was also registered on my credit report as being closed by the credit grantor. And obviously, after a letter on Dec 14, 2009 to let my know they had good news for me, that I qualified for the Reage Program and my account was no longer past due, they would update my credit record to reflect my account was in good standing.

In reviewing my credit card statement for the past month I noticed that I was charged interest and a $39 late payment fee. I do not maintain a balance and I use my credit union's on line billpay. The payment was due on 12/13 (Sun) and funds were sent EFT on 12/10 (Thurs). The payment was posted on 12/14 (Mon). Had a confirmation from the CU that the payment was confirmed as transferred and received by Chase on 12/10. I wondered what was up.

Called Chase customer no-service. A woman incapble of pronouncing her own name (Vinnie, Vanessa?) informed me that if I used THEIR online payment the payment would be posted the same day otherwise it takes THREE business days to process an electronic payment. Get out! REALLY? I thought that was the POINT of an EFT. At the least it should have been posted the next business day - as they had been doing up to this month. Lord only knows how early you have to have your payment there for a paper check. Not to mention allowing for the mailing time...

I informed her that these charges were unacceptable and ridiculous and if they were interested in keeping my business I would like the charges waived. She said she would have to review my account. The charges were waived, but now I have a major concern about whether they will get around to posting my payment on time. I suppose once I use my travel rewards I will need to change cards. Cash is great, but if you go anywhere in this world you just can't operate without a credit card anymore.

Watch out folks - know how you're paying and how long it takes the $$ to get there. Too much of a pain to straighten out and if they even question you in the least you'll likely be in for a painful and expensive ride.

My Chase Credit card canceled by them because of suspected fraud, but I was unable to get any information about how the suspected fraud occurred when I asked. I did not know my card was canceled until I attempted to use it. They give you a new card, but you do not know where the security breach was, so of course I was worried it might happen again.

I was told an investigator is working on my suspected fraud case, but when I contact them 3 months later for a follow-up, I was told no investigator was assigned because the fraud was prevented. I inform them that attempted fraud is a crime and that this act of fraud might be part of a series of frauds in my workplace (not sure) and that I need this information for our own investigation in which they then respond "We have assigned an investigator." I say "When were they assigned?" They reply "Now."

Three months after the first time they said someone had been assigned. And then 6 months after the fraud attempt, Chase tries to sell me a special Fraud Protection Package. But still no details on the attempted fraud they claim to have occurred. No report from an investigator. I sent an email to their Customer Help link, and they respond they can't help me. Has this happened to anyone else? I am canceling my card-account with them pronto! Identity theft status unknown due to lack of information provided by Chase Bank

We were WAMU customers, had made all payments early or on time, never maintained a high balance. All of a sudden we didn't match their criteria and they canceled our card. We were allowed to continue making payments, but they recorded on our credit bureau that it was closed at their request. No explanation, no reason to have done so.

We have been building credit, bought a house, a car and their statement effects our credit score. This was unjust. If we had been in trouble with them or late or delinquent I could see their reason, but we had not. We had even made a 2000.00 payment the month prior to them canceling our card.

I can accept their canceling us for what ever made up reason, but to try and ruin our credit for no reason isn't fair when we were good on our payment history. Its frustrating and a bad thing to do to someone in these financial hard times. Lowered our credit score, It looks like a negative on us

We were recently charged a late fee and finance charges. Although the check was cut on 11/19, Chase claimed that our payment was not applied to our account until 12/03 - one day late. Ultimately they waived the late fee and credited half of the finance charge. Representatives refused to credit the balance despite admitting that the check may have been misdirected because Chase is a "large facility".

Manager implied he was doing me a favor by crediting back 80% (actually 72%)of the fees. Since Chase acknowledged they most likely erred, I asked why I should pay them anything. The manager refused to forward me to his superior and redirected me to Chase Consumer Correspondence.

Chase is stealing money from me because I chose to use the USPS as opposed to their preferred methods of online payment or paying at on of their banks. Just think how much money Chase is taking from client with this ruse.

I became disabled according to the state of Washington and the Social Security Administration in June 2007. I had been working with Debt Reduction Services of Boise, ID who was paying off Chase Mastercard at $240.00 monthly since April 2005. I informed and provided documented proof to both Debt Reduction Services and Chase Mastercard in March 2008 of my disability, reduction of income to $339.00 monthly and living at the Salvation Army homeless shelter.

DRS sent Chase a hardship proposal on 3/6/2008 requesting that they accept $142.00 monthly in view of my documented disability and change of financial circumstances. DRS told me that Chase accepted the proposal on 3/21/2008 and that my new payment would be $142.00 per month. DRS essentially lied to me and Chase never responded to their proposal by phone or in writing to either DRS or me.

I started receiving collection letters from Chase in 06/2008 saying that I was $861.00 behind and due immediately despite the fact that they had documented evidence of my disability and loss of income. The had simply ignored the hardship proposal despite having received payments from DRS since 04/2005.

Chase eventually gave me a new balance liquidation program in October 2008 but that did little to the damage they have done to my credit report from 04/2008 until 08/2008. My credit report has 4 months past due during April 2008 through 07/2008 including an "over 60" and "over 90."

This is simply due to both DRS misleading me and Chase simply ignoring and failing to respond to the hardship proposal. My credit report is ruined and me medical condition acute anxiety has been further aggravated by DRS and Chase Mastercard refusing to communicate or acknowledge the facts of my loss of income and disability.

Mail in my payoff amount, around $6,000. They claim it arrived late 12/14 (Monday),instead of 12/11 (Friday). Charged a $39.00 late fee plus about $60. interest for a total of just under $100 bucks. In checking their cycle, it takes 5 days for bill to reach me and I have only about 18 days to mail out. My next payment is due Sunday, 01/10.

I did not receive a statement from Chase in November 2009; however, I did receive an email alert from Chase saying my payment was past due. I immediately went to my online banking and sent the payment. I emailed and told them I did not receive a statement and so they sent me a copy of one in the mail after the fact. I always pay on-time and have never been late to any of my creditors. I received my December statement for January a few days after the payment was posted and Chase has tacked on a $39 late fee.

I wrote a convenience check according to the terms offered by Chase Bank and well within the expiration date of December 30, 2009. However, as soon as Chase received this check they refused to honor this check and they lowered my credit limits on my Chase Credit Cards based on a phony reason about my credit report. The phony reason arises from the fact that Chase Bank is the Bank that changed my credit report themselves.

My credit report has not changed significantly in the last two years. What has changed is Chase Bank's deceitful practices. I have not used anywhere near the credit available to me. In addition, Chase Bank is retaliating because I used the convenience check to lower my interest rate on another Chase Bank Credit Card.

These banks who charge 6% to 18% when the inflation rate is around 1-3% are just outragious and inflammatory. Regulatory agencies at the state and federal level are just too slow to catch up to these deceitful credit practices from Chase Bank and the like. Fortunately, I only experienced a $10.00 return check fee from my credit union. However, the cost of obtaining other lines of credit is way out of proportion to the risk involved and the fact that my payment history is very reliable. No defaults in the past 40 years.

I'm sure my complaint is like many others. I am not saying I am not responsible for my actions. I ran my credit cards up and now I am in the process of paying them down. Doing so I lowered my cedit score. First Chase increased my interest rate back in Feb. cause I was one day late. They said I had to wait 6 months with all my payments on time and they would review and lower the rate. I have spoken with them and they refuse to lower the rate.

Next I receive a ltter from Chase saying they are lowering my credit line due to my score going down. I am a finance manager and I know the closer you get to your credit line the lower your score. Since they have lowered my credit line closer to my balance it has resulted in my credit score going even lower. Making almost impossble for me to qualify for any good rates in the future. Now since they have increased the interest rate and started to collect more of a princple on a monthly basis it's making it harder to keep up. I would like for a lawyer to contact me. The banking industry almost runied the financial well being of the country with all the bad mortgages they wrote now they're doing it again with credit cards.

WHAT A RIP OFF!!!

I will be transfering my ballance elsewhere and I will NEVER do business with this disreputable company again.

I pray consumers wise up and Chase dies a slow and painful death. This company is an example of the reason our economy is in trouble. They have already be called to task once in a class action suit for this sort of dirty dealing. Now they are doing it again to pay for their last criminal activity. Where is the government?

I had been a loyal WAMU customer since August of 2000. I had two checking accounts, 1 savings account and a credit card. In March of 2008, the promotional APR rate of 8.99% on the credit card had expired and it was increased to 14.99%. A year later, March of 2009, Chase hiked up my interest without any notice from 14.99% to 15.24%.

Two months later, May of 2009, I received a notice that the APR of 14.99% (which as of April 17, 2009 per their notice) will be increased to 18.24%. I guess they didn't know that my APR had already been hiked up to 15.24%. Anyway, the notice goes on to advise that I had until June 22, 2009 to close the account to hold the APR at 15.99% or I would be charged the higher rate. Unfortunately, I was so busy trying to find a better rate that it lapsed by two days and on June 24, 2009, I contacted their customer service dept to see if I could close the account and hold the interest rate at 15.99%.

I must have been on the phone 45 minutes in total, I had spoken to several customer service reps each time having to repeat myself that I finally got so frustrated I escalated the call to a supervisor and literally pleaded with them to not raise my APR. I explained that I had been a loyal customer, to check my account to verify that 90% of the time the payment was made in full, and those times I couldn't, I always paid much more than the minimum payment due always paying online a week well in advance of the due date and sometimes making more 2-3 payments a month. It didn't matter that my credit rating was 762, that I had a great payment history, that I had been a loyal customer almost 10 years, and gainfully employed. In fact, I had a bonus coming in August that would pay off the full balance due yet they denied my request to keep my APR at 15.99% so I closed the account and my APR was hiked up to 18.24%.

In November, I paid the entire balance due however the payment was received one day late. The following day, I was charged $37.95. Again, I called customer service and pleaded to waive the $37.95 finance charge and their response was "sorry, we cannot". When I told her I would be closing all my accounts, she simply said "Is there anything else I can do?" I told her I hated Chase and I hung up.

i was one day late on bill due to an online payment, also unaware that the due date changed, this error was corrected then my apr increase to 16.00% and i was told would be eligible for a rate decrease in 6mthns during this time my credit limited was extended and i was never late than 30 days ago i received my statement it showed an apr for 29.00% i was floored today i spoke with 3 supervisor and was advised that 29% is the best rate at this time i feel completely powerless as a consumer and tax paying american citizen, this tape of greed and unethical policies is why our nation is on its-way to hell1

My husband and I have never been late on any of our Credit Cards. Every card's APR went up and Credit limit lowered for no reason. This to me seems illegal. There has to be some law that they cannot do this to people.We live on a budget and my husband is a Disabled service connected, Retired (24 years)Marine. We were paying everything on time and doing great until all of this happened. Our credit scores were high 700's to 800's. What is happening feels like being totally taken advantage of.

I called Chase credit card to see if they could lower my APR. The lady said no that this was not possible. Isn't there anything anyone can do about this. How do we start a petition to have Chase be investigated for their policy of not lowering APR's for no valid reason at all except for stating that it's their company policy of not lowering APR's.

In addition to the rate increase, the notice also indicated that this rate change would not effect any promtional APR's associated with the account. I was baffled when I received my current statement with the APR increased since the account is an accepted promotional offer. My payment has sinced doubled which is certainly going to make it difficult to avoid defaulting on the loan. My FICO score is also suffering because not only did they raise the rate, they reduced my credit limit by half.

I exceeded the allowed number of withdrawals/transfers from an interest bearing account. The account(s) at no time were overdrawn. Apparently, banks are permitted to do this by the US Government. The fee that is collected stays with the bank--therefore it becomes profit.

Back in April of 2008 I ordered an online service that offered a discount, but when the charge appeared in my Chase credit card account it was $20 higher that offered. I disputed the charge with Chase and they asked for proof of my claim. Because it was an on screen offer I had no physical evidence so they denied my claim. I subsequently closed the account except fo the disputed amount as I knew I was right. Six months later the Online service reversed the charges crediting my account but in the mean time Chase had charged me late fees and interest totalling several hundreds of dollars. When confronted with the reversal from the vendor they took over three months of fees and interest but refused to clear the entire account.

This is clearly wrong as the original amount in dispute was reversed out and they are only penalizing me for not having the ability to clear it up within the 90days time frame. If the vendor had been more responsive there wouldn't be a problem but they weren't. Now Chase has not only denied my dispute after investingating it and demands payment on the balance but.....

Do to my husband being unemployed, we fell into late payments and not always the amount Chase Card Service asked for.Going back and forth with them via phone, while in negotiations being charged 29.99% interest; my husband finally made an agreement of 12% interest, pay a given $ amount within EACH month (not by a date),no late fee and for 60 months. If we should fail payment the agreement was to be voided. To this day I have kept to the agreement. We had to hire a lawyer because Chase kept calling us for payment each month even though there was no date due. As of 11/11/09, Chase has charged us with 2 late payments and dropped us from their BLP program.

Again, we have made the $ amount within each month. As of 12/16/09 they have now put us back to 29.99% interest. I did call them on 11/20/09 as a curtsy call to inform them its their mistake not ours. I then was told that my husband had to answer some new money questions and they would review to see if we are eligible to re-sign up for their program. At this point we can't pay our lawyer for new services and I don't know what to do. I have proof that we have made a payment in the $ amount every month.Please, Please, Please is there someone who can help us. I also want to mention that we are struggling to make these payments, but we didn't want to have anything go wrong with our agreement. Thank you for your time,

I feel sure that if we had had fewer accounts on our credit record it would have helped our credit rating. I'm sure that being able to say that they had so many accounts helped make their bank look better to investors and shareholders. to the extent that empty accounts may make the bank look better and lower the credit worthiness of the account 'holders' this is a pain. I am trying to get the account removed now, but it appears online. I do not get statements in the mail so it took a long time to discover this problem.

They closed my account. I have never missed a payment, ther were times I made more than min. balance due. I think its unfair that I was not give a notice that my account was being closed. I donot think I wastreated fairly.

The individual at chase credit attempted to reopen the account but as my debt and number of credit cards (no of which are in arrears) prevented them from taking any action. Will attempt to contact BP to let them know how their 32+ year customers are being treated. Do not have much hope that bp will take any action.

On this occassion, I received multiple phone calls (8-10) per day from 8:00am until 10:00pm EST, for 2 days with no caller ID. When I would answer to see who it was, they would either hang-up or ask for someone I never heard of and then hang up. I called the number back on day two of the harrassment and found out it was Chase Card Services. I asked why they were calling and they then wanted my SS# for ID. I refused and asked who they were trying to reach. They eventually gave me a name and it was no one I ever heard of. I asked how they got my cell # and they said it was on the application. I then asked them to give me the address that was on the application and they wouldn't so I asked 'what do you do to people who provide you with false infoon an application?' They said there was nothing they could do and asked if I was calling to make a payment. I said, no, I am calling to get my number removed from the call list because I don't even have an account with you, (which I don't).

Besides the fact it was harrassment, it ran up my cell minutes, and this particular time it was worse because I was in the hospital for a series of stress tests also with family, friends and the occassional benefits people trying to reach me by phone as well. I don't have a Chase account - never will - but what about prosecuting them and/or the person who knowingly used my phone number? So, I began calling them repeatedly for an hour on 2 lines until I finally got to a supervisor and asked them to remove my number - they said it would take several days (which is unacceptable) but then said they had no record of my number in the system. The ChaseBank group at the very least owes me an apology and quite frankly should pay me damages for harrassment and the hassle.

So, typical of Chase, they raised my interest rate in December of 08, because I was two days late on a payment. Raised it to 30% from 9% even though I never carried a balance with them, never missed a payment, never charged more than 500 - 1000 a month,(my credit line is $12,000).

Customer service rep told me that in one year it would go down. So this December I called, and they said too bad, they weren't lowering it. Basically they lied. Doesn't matter to me because I haven't charged anything on that card in a year because I was so offended by them raising the rate. It's just the lack of ethics that concerns me. My credit score is 750. I have no other debt. I have a car loan with them that I pay off religiously. When it is finished in less than a year, I will never finance a thing with Chase. I would rather take a unicycle to work than finance though Chase. I have zeroed out all of my other credit cards, thankfully.

I really think that in this environment where the consumer is getting nailed to the wall from fifty different directions, cash is king. If I need to buy things on the internet, I keep a separate bank account with a little money in it to be safe, and use a Visa debit card.

I also had a Wamu card which was taken over by Chase. I have had my interest rate hiked from 8.99% to over 14% for no reason whatsoever. I can honestly say dealing with their reps are like beating your head against a wall, with the same result! If you are going to raise a customers rate, fine but that should only apply to future purchases NOT to previous amounts charged.

They have now lowered my limits (which I have always maintained at half of the available credit) so now I too am close to my limits. Of course that hurts my credit profile as well as my debt ratios. I am now scrambling to find a decent credit card company to transfer my balance to. Unfortunately, my credit looks like I maxed myself out so I'm not sure I will get the ideal transfer option.

I cannot believe a company chooses to treat a customer who has NEVER been late, always pays much more than the minimum due and doesn't abuse their credit this way! I feel like I am being held hostage. If you take over a credit card company, I don't think it should be legal to change EVERY part of the initial card agreement that a person initially signed up for.

They have changed my rate, limit, minimums due and I now see a new notice that says they can lower my limits again and if they decide to lower it below my current balance, they have the RIGHT to demand full payment and over the limit fees immediately! How is someone over the limit when the limit is changed AFTER the balance is there? I am at a complete breaksown point with this company! Run away from these card "offers"!

My debt to income ratios are affected and it looks like I am using my card all the way up to the limits! It shows on a credit report like I am unable to control my spending and I abuse my available credit. This type of unwarranted change in terms has negative credit ramifications.

I use to work for Chase and let me say I'm glad I do'nt anymore. I felt horrible telling people we could'nt do anything about the apr. Please people do not take it out on the reps they are honestly doing their jobs. They pay us very little for what we do. It's one thing I learned is if you can not afford to pay it back at the end of the month, than do not put on any credit card. "Pay in full" customers know what they are doing. These are the smart card holders.

For those who are revolving card holders (either pay the min or more than the min amount each month) if you plan on paying the account off in full just remember cc company can not give you a payoff amount because you had'nt been paying off the bill in full to begin with each and every month so you will have a little bit of finance charges that will carry over the next billing cycle. What you can do is call customer service and tell them to give you and estimate on what cc company like to call "retail resdiual finance charges would be" after than throw in an extra $1 or $2 to be safe. If the reps tell they can not waive a fee for you, than they can'nt honestly they are not reading from a script there system will not allow it. sorry it's something that was put in place. Some of you abused it too much! you know who you are! calling in the past every month and asking every fee to be waived finance charges, ol fee, late fee, cash advance fee, foreign fee, yeah people we could tell how many times you called and what dates you called. Please just get to the point of what you need .

Same old story we hear it gets old I went on vacation, I did'nt get my statement(but you can send in a payment to your car loan home loan without a statement Hmm!) why can'nt you people just call cusomter service that open 24 hours 7 days a week and yes even open for every holiday to get your balance or min due? excuses excuses. If there's been a death in the family or hospitalization than that's different!

I had a United Mileage Plus Signature Visa from Chase with a very large credit line. Because of the recent economy I had accumulated a very large balance on that card and made the mistake of putting my taxes owed on it. As soon as I did that, my interest was raised to 22.4%. I soon could not make the interest only payments and at one point a Chase rep. called me trying to negotiate payments; telling me they could lower the payments to what I could afford. Well, I was able to make that payment, called them back and was told that "since I made my payment and was up-to-date at that time, they were unwilling to negotiate. The next few months went by as the interest alone was killing me. I had another Chase card with a 0 balance and I let them know I would transfer half of the high balance onto that card with the 0 balance which would have lowered the interest I was paying. When I went online to do this, I pressed the transfer balance button and it came back saying transferring balances was not an option.

I was able to pay off this card recently and they tacked on another $229 after I paid it off. I asked that they reduce my balance to 0. They told me the $229 charge was interest from months ago and that they were also charging me a late charge after paying this enormous balance.

I told them I wanted that card closed immediately! The Rep then threatened me by sternly telling me that they would notify all credit bureaus immediately that I had closed this account and that it would negatively affect my credit.

Whether this affects my credit or not, I refuse to have Chase Bank threatening me and am very relieved and with my decision.

I called Chase Credit card to request to have my APR lowered and as per Chase Customer service representative that as per Chase policy they are not lowering any APR's. I told the representative that even if I have a good credit history would it be a good reason to lower my APR, again the customer representative was very adamant and told me it's the Bank policy that we're not lowering APR's. I don't know what's with Chase but it seems that that there is no way to reason with them as a customer. Please will anybody start a petition and have Chase be investigated for their policy of not lowering APR's for no valid reason at all ecept for stating that it's their company policy of not lowering APR's.

I had a credit card with Providian, then it was bought by WaMu and bought again by Chase. Chase ended up owing all my credit accounts, because of them purchasing smaller banks. My credit was reduced on all account by as much as 80% just recently. I called to check on one card, just to find out all of them went down. I feel because the person on the other end did not like my attitude ( who would after news like this ) I was slammed with additional reduction. I kept my balances under 30%, used credit card only for business start up, was never a reckless spender and paid my bills on time for 7 years with exception of once missing a payment by one day( never got late fee refunded and rate defaulted from 10% to 30%).

I called executive customer service, I even wrote a letter to VP of credit cards at Chase. I was contacted by higher office. regardless there is nothing they can do and its all my fault. All my cards now look like I maxed them out, I am sure next month chase will check on my credit report again. They will find ruined fico. Why????? Because they are the ones that ruined it. I cannot believe this. I am transferring out to another bank and over my dead body that I will ever use chase card again....the worst bank ever. Their behavior all the way to executive level is criminal to say the least.

I opened an account with CHASE in August of 2009. I received my bill in the mail the first week of September and promptly mailed CHASE a $1000 check. My next bill came in the beginning of October and I promptly sent another large check to CHASE. I received no bill in November. When I called CHASE on December 4th, 2009 to question them about my bill, I was told that they had in fact sent me my bill and that they had never received a payment for the month of November. I was told my account was now delinquent, that my APR had gone up, that my mininum monthly payment had tripled, and that I was being assessed a $40 late payment fee. I calmly explained that I had not received the bill. As I am the only person who has contact with my mail, I know positively that the bill never came to my house. I was transferred at that point to another department.

I explained my circumstance again, requested that my bill be sent to me, and asked for the late fee to be taken off my account. I was told that "we are not allowed to waive the late penalty", but if I paid my bill over with phone using my bank card, they would waive the $14.95 "phone payment fee" and that I could use my CHASE card again immediately. I explained that I was only interested in disputing the late fee. I was again transferred to another department. I explained my circumstance a third time, asked for the late fee to be waived, and promising CHASE another large check as soon as I got my bill. It was at this point that I was told that I had signed up for electronic payment. I was shocked because I never signed up for electronic payment; I pay all of my bills by check using the U.S. Postal Service. I was also bewildered as to why the first two people I spoke to at CHASE did not mention that this was the reason I had not received a paper bill. I explained to the gentleman that I did not sign up for this service, and expressed my concern over a breach in CHASE computer security systems. I was told that this was my mistake, not theirs.

I was told that I "must have signed up for electronic payment accidentally". I was again told that the late fee would not be waived, though if I paid my bill over the phone immediately, the phone payment fee would be waived. Frustrated, I explained that I would not pay a $40 late fee for a mistake on the part of CHASE. I said I would be happy to continue to make my payments, as long as the late fee was waived. I was again told this was "impossible". I informed the gentleman that I would indeed transfer my CHASE balance to another company if the late fee was not waived. I was told it was my job to pay my bill by "the 29th of each month" whether I received a bill or not and that the late payment penalty was justified. Seeing I was getting nowhere, I hung up with CHASE.

I subsequently checked my e-mail. In my Spam box was an e-mail from CHASE titled, "Bridget! Pay your CHASE credit card bill with CHASE online!"; it was dated November 24th. After one more unsuccessful attempt at explaining to CHASE that I had never signed up for electronic payment, I terminated my CHASE account. I have since switched my CHASE balance to Discover. I am left wondering just how many people are assessed a $40 late payment fee after not receiving their paper statements from CHASE because they have been magically and mysteriously signed up for electronic payment. Is there a breach in the CHASE computer security system? Or is it merely an underhanded attempt at fleecing unsuspecting CHASE customers out of $40?

in early late 2006 we started getting phone calls stating a debt owed for a over-due chase credit card. as my wife and i explained that we never had a credit card with them and we have only had two credit cards our entire marriage (15 yrs 2009). the calls then started going to my job. some weeks calls were made (5) days a week. as they were leaving messages at the main office as well as at the plant i worked.

as i work for a local goverment i repeatedly asked to stop calling my home and insisted not to call my job as i do not owe the debt. they also threatend my wife and said they would tell me she would set up a payment plan with them until she told them you tell him he is right here for i had taken the day off. the calls were so frequent and random that i have a recording of where a message was left on a open answering machine available to anyone leaving my name and full ssn#.

as this continued for months new people would call as some callers swore and called me a deadbeat and that i needed to be a man and owed up to my debts. we finally got a pre-paid legal service who sent them a letter in 6/2007 to stop all contact and send verification within 30 days or remove the debt from all major credit reporting bureaus.

in 2/2008 we received a letter from chases fraud operations in phoenix arizona with a application that expired in 5/7/2001. we sent back the request form as by this time our pre-paid legal service had become a problem and still is. then the account was given to the other law firm who breifly pursued it. as we never heard from them after showing what resulted from the last harrassment and it still remains on my credit.

as now i have to deal with another on-going hsbc account that has been taken over by its fith law firm, as i do not understand when it is suppose to end with the first proof of not owing the debt. if anyone wonders why i would not stay on top of this problem its minor compared to getting hurt for the 2nd time on the job (w.c. denied), losing my home by letting a foreclosure attorney be under the defendent side in court next to my name, courts not looking at my evidence of another debt collectors client double billing the insurance company and me, then taking out a unwarrented and unlawfull stalking and trespassing charge on me and my wife.

garnishments already in affect for a debt that should have been paid by order of the state, and believe it or not there is alot more, which is probably why i always seem to get your time has run out (even if debt collectors i dont owe money to can harrass me for years), or that its to much or to complicated, and that a job i have destroyed myself to keep (for 11 yrs) fights my injury, im told i would be better off being fired so i could get un-employment. which having kids, even though the fight goes on for mandatory insurance its a must for us and i want to work for it.

im just sick of big companys with all the money, taking the scraps that im suppose to raise a family on, literally (another story in its self) straight from my banking account.

I used the Chase card for many years. I charged almost everything I bought on it ($3,000 to $5,000 monthly) and paid my balance in full each month. I recd notice about Nov 20, 2009 that I was being given a Sapphire card. I checked on the rewards and decided I wanted to keep my old card. I did not place the call to activate the Sapphire card when it arrived. In early Dec I recd a call from Chase saying I had not activated the card and they would do it over the phone. I advised I intentionally did not activate the card and would continue using my old card. I was then told there were two suspicious charges on my old card for about $50.

I asked why a purchase I made over the Internet about a week previous for about $1,500 had not been questioned since that was unusual but the $50 was questioned. I was told it was the company name which made them question it. She said my old account would be closed and new cards mailed. When I recd the new cards, I went into a rage because they were Sapphire. I called Chase, asked to speak to a manager and was given Jennifer Small. I told her I was extremely upset about Chase trying to trick me into switching to Sapphire. She said the company charging the $50 was suspicious. I advised I seriously question the honesty of Chase because the suspicious charge was not mentioned until I said I would not use the Sapphire card. If there had been a question about it, that would have been the first thing the rep would have mentioned instead of trying to activate Sapphire cards with the same account number. I advised Jennifer I no longer trust Chase and will switch to a competitor's card--which I immediately did. Chase is NOT a company I would recommend to a friend.

We have been with Chase Visa for over 10 years. Several months ago we had to borrow $4500.00 as a cash advance on our Chase Visa for an emergency. I called customer service to say that we had the money to repay the full amount plus an extra $1000.00. I was told that we could not pay off the cash advance and that interest would just keep accruing. We paid the $5500.00 off within a few days.

Several days later we received a letter from them saying that they were reducing our credit limit from $24,000.00 to $19,000.00. This reduced our credit score. Then, supposedly, they checked our credit score this past month and found that it was no longer as high as it used to be. Of course it wasn't because of them reducing our credit limit. As a result they sent us another letter reducing our credit limit further to $15,000.00.

This has now entirely ruined our FICO score. Calls to Chase got no where. The original $4500.00 that we took now has a balance of $4783.00. As far as I am concerned, Chase is criminal in its behavior.

Called Dec 12th 3:00 Pacific time (estimated) because Chase raised interest rate. Charged over the limit fee. Advised wanted to know why Chase charged overlimit fee. Advised called on Nov 14th, 2009 as time was 5:14 PM and would not let make same day payment. They said cutoff was 3:00 PM Eastern Time. We are Pacific Time so cut off was really 12:00. Paid extra $14.50 to have payment set for same day so account would be in good standing.

Today December 12th was told I had over limit fee charged in the amount of $39.00 because finance charges assesed on Dec 15th and made card go over limit. Asked how much over the limit . They advised $1.10 over limit. They assesed $39.00 fee and because went over the limit it also was causing interest to go up to 32%. I advised we are having hardship with medical bills this year and it is not right for them to charge $39.00 fee. That is like charging 155% interest.

The supervisor was not empathetic at all. He advised right away that the account could be closed in the next month. They will not waive the fees. It is really up to me to close account. I advised I knew there call was recorded and that they should use this call to be listened to for anyone because they will hear 1st hand the company they are working for is loan sharking. This is my wife talking on behalf of myself. She is more patient and she just lost her cool because of how bad they were treating me.

I am upset because I would have paid an extra $2.00 had I known on 11/14/2009 when I called in the 1st place. Then I would not be going through what I am going through today. I am currently out of work and looking for a job. I do not need my credit score to go down. It will because it will show I went over the limit because of $1.10 over on finance charges and $39.00 late fee. This is wrong. My interest is also raising to 31%. I will pay the card off in February if possible. Assuming I have a job then. I want to close my card. Just not sure if I should. Trying to keep my credit.

I have had a account with chase for 5 years, through Overstock.com and have been a active user, on time with all my payments, paying more than the minimum amount every time. I changed my email addresss on line and always paid online because they encourage you to do it. After the change of my address they continued to send my invoice to the old address, I was not aware of my billing because they would send an alert when my billing is due and that was going to the wrong address. I contacted them because I was assessed a late fee and I disputed it and they waived it over the phone, the next month they sent my billing to the wrong email again, and so it went from there, on countless occations they would continue to send my billing to the old email.

I complained again and again and again, that they check their records and see that I had changed my address, the last straw was when they did it again and assessed another late fee of $39.00 to my account, I called and aksed them to waive it, they refused and told me I would have to write a letter to the PO Box in Wilmington. At this point I was steaming, then Chase decides to raise my interest rate from 12 to 20% and when I complained on the issues they sent me a cancellation notice to canel my credit altogether based on something they said was on my credit report.

My credit report status has not changed from the time they granted me credit in fact it has gotten better, my score is very high. I mailed a complaint letter dated September 5, 2009 and gave them 30 days to respond and 90 days to resolve the issues of waiving my late fee, restoring my credit wich was cancelled for no good reason, I also believe I was discriminated against because I am a "Asian American Pacific Islander" because of the way they talked to me over the phone, like I was not sophisticated enough to understand. I have not had a response to date.

I have a credit rating above 800 so there is no need to elaborate what that means for a bank to count me as a customer. I like to travel around the world and after being left without cash in a third world county (one of my banks blocked my ATM even after I told them about my travel plans) I learned to double and triple check my credit card bank is aware of my whereabouts. Even those precautions confer you only a slightly better chance than keeping your fingers crossed. But what if you dont travel yet and you just want to book a hotel, say in Canada?

In spite of following all those "for your protection" rules, my United Miles credit card--issued by Chase Bank--was blocked couple of month ago because some "suspicious activity" on my account. That "activity" was $1 (ONE DOLLAR) place holder charge for Microsoft Hotmail yearly subscription. It turned out that the charge was a duplicate that was later removed automatically by the issuer. Regardless, my card was blocked.

I expressed my strong objections being just about ready to go on a trip abroad and explaining what would have happened overseas if I were to go with a blocked credit card (naturally, you need to take more than one credit card--although they all tend to suffer from the same disease). For people who don't ravel too much I would mention that finding a public phone, especially one that works overseas is akin to receiving Noble Price. Also there are no "toll free numbers" that work overseas or an operator that happened to speak English.

The Chase Bank customer service representative said the usual, that they do it for "your protection" and they would make a note in my account and naively I thought that finally they got it. Think again! As a believer in the Russian proverb that Ronald Regan quoted prior to his historical visit to former Soviet Union, "Trust but verify" at the end of each month I check if my credit card balance is being paid from my bank account (I have automatic full balance payment setup). Surprise! I could not even get to the web page to see the account activity.

I called the customer service where I was bounced several times until I got to the "security division"--somewhere overseas. I don't think that Chase Bank invests enough (any?) resources to train those people in those parts of the world about what is expected from a customer service in US. They began by telling me that my credit card has been cancelled and the good news was that a new credit card would be issued. A new card with a new number--when I had this credit card connected to a myriad of accounts for automatic payments: utilities, security, bridge tolls, subscriptions (some deducted once a year, easy to overlook), well you get the picture.

I asked for an explanation and the representative said: "there was some fraudulent activity on your account--there was a charge for a hotel in Canada". You mean, I cannot travel abroad?. "We do this for your protection". Who reached the conclusion that this was a fraudulent charge? "It could be our bank or some 'special agency'." I said "This is unreal, since when Chase Bank decides what constitutes an unauthorized charge on my account is? (pause) I want this account closed."

I was transferred to another person who told me menacing: "we are going to report to all three agencies this". I thought that the old time when we travelled with the packets staffed with cash were long gone. Now we cannot even make a charge without asking the bank for permission? More disturbing there is hints that if you don't generate enough revenue for Chase by not caring a monthly balance you are not needed.

After paying off in full my 2 highest interest credit cards which were from chase, immediately my credit line was brought down by 6000.00. I have a FICO score of 727 I pay ALL my debt on time and always pay more than the required payment. I dont have ANY negative marks on my credit bureau and my income to debt ratio is perfect!

They gave me some excuse about running my credit report with experian, (which I also ran the same one) and told me I was a risk. PER EXPERIAN and Equifax Im not a risk and am in good standing.

Whats going on with these people? So now they can ruin my good credit that I worked so hard for because they are mad I paid off my high interest cards? SO CONFUSED!

And I have contacted them many times and get different answers... am treated terribly. They act like I was never a customer. It so weird.

Closed THREE of my credit card accounts without any notice. i was never late and had them for many years. what are credit limits for it they are going to just cut you off when you reach that limit?

multiplied several time thou the card was never used.I have called several time's to cancell the account ,They just keep billing me monthly.

On December 5th, 2009 I attempted to use my Amazon Chase credit card at a local deli. The card was rejected. I called Chase and the individual told me the account had been closed but could not provide details. The office that could tell me why the account was closed keeps normal business hours. Called them and was told that my debt was too high and Chase decided to close the account. I was NEVER notified prior to the account being closed that there was a problem with the account.

A second call indicated a letter was sent Dec 7th, 2009 to inform me that the account was being closed (I've not received the letter as of 12/10/09.) I've NEVER been late paying on the account. The previous month the account had been paid in full.

I don't question the business decision to close the account based on credit information. I do, however, question the lack of notification. Unfortunately there seems to be no requirement that credit card holders be notified prior to an account being closed. This lack of regulation needs to be addressed, probably at the Federal level. Fortunately, I was able to avoid the embarrassment of not being able to pay.

I have a WaMu credit card that has been taken over by Chase. Originally, I did a balance transfer with WaMU last year. The interest rate was 1.87 to be adjusted to a fixed rate of 10.24 after one year. In August, I received a form letter from Chase indicating they will raise my interest rate to 19.5% unless I call or write to decline the adjustment. Well, I called and declined the adjustment thereby closing the account. Three weeks ago, I received a statement showing an interest rate of 21.24%. I called the customer services on November 30, 2009 and talked to foreign guy named "John". He apologized and indicated that rate will be readjusted to 10.24% refunding the higher charges.

Yesterday, I received another form letter essentially saying if you can't proof to us that we should charge you 10.24% we will keep the 21.24% interest rate completely back peddling on the conversation with "John". Now the obligation to proof is on me. I am going thru my records to find previous paper work such as WaMu original offer or chase previous correspondence and by God I am looking for a good attorney to sue these thieves comes rain or sunshine. (I did not record the conversation with "John" I know they did record it but I am not surprised if they will destroy such evidence)

I would like echo everything that I have read here this evening. Some of the same things are happening to me that has happened to others. The story that I would like to share is the high interest rate of 29.99%. This is rediculous. These people at Chase need a serious reality check. Most of the people seem to have empathy for you at Chase, almost like they know what is going on, but there hands are tied. Case in point, one of the gals on the phone was kind enough to give me the address to the Corporate Office in Elgin, Il only she said that she was not allowed to give out the Corporate Phone number. Thats pretty wierd if you ask me. However, she said that I could go on line and obtain it which I have done that. She gave me her name and also the name of the CEO, who I plan to attempt to contact tomorrow.

My complaint is that I paid this bank a lump sum of money, $2,500.00 towards my bill of approximately $4,500.00 and then after I paid them the money, they lowered my credit line without telling me. Oh, probably they sent out a letter, but we all know how that goes. One day when I went to use the card they declined in front my date. That was quite an embarrassing moment to say the least. They are refusing to lower the interest rate and I only owe them about $1,500.00 at this point. I will never again use J.P. Morgan Chase again. The lady on the phone also gave me another point of contact and that was The Office of the Comptroller of Currency. I will find out what good if any that will do tomorrow as well.

I just had my APR increased from 6.9 to 11.9. And I also have a credit score over 800. I called and they said that it was due to the state of the economy and that all credit card companies were doing it. Well, they were right about that, it seems like all the other creditors are raising their rates and also taking advantage of their customers.

I recently called to get my balance. I was given the balance, I wrote a check for the full amount and mailed it the same day. I thought my card was now paid in full. Today I received a bill for a $111 finance charge. I called to speak to them and ask why the charge when I paid the balance in full (before I even received the bill. I was told finance charges continue to acrue until the payment is received. When I told them that nothing was said to me when I called for my balancce I was told that it is on the back of the statement. I told them that means this will never be paid because even if I pay the $111 (which I do not feel I owe) there will always be a charge because the charge starts the day the statement is mailed. Please let me know if I have any options here. They were scripted in their response and offered no help at all. Bottom line - do I owe a finance charge when I paid a balance IN FULL prior to a due date? Thanks

Imunotec online Co charged my checking account automatically a second time for an order I had made in the past.The second order was not approved by myself at all and put my account in overdraft.I left town on business when I returned my account was closed with a negative balance of $799.00,$528.00 in bank charges.I returned the merchandise I did not order or want to Imunotec and they tried to credit my account and the bank would not allow the credit when they were the ones that told me to have the Co credit the account and then they could resolve the issue.I spoke with a customer service rep at the bank they told me there was nothing they could do because it allready had gone to collections.

For the past 5 years, I have had a Wamu Credit Card. Always paid my card down.

When Chase aquired Wamu last year, I continued to make purchases and pay down my account - on time, ALWAYS payments greater then the minumum.

Over the summer, Chase raised the interest rate to 29.99% and closed the account. I called Chase and was told that my debt was too high. I immediatly paid down the card to about 1000$ (credit line was 10,000)

I asked Chase (in writing) to re-activate the card and decrease the interest rate. They responded saying no as I had a bad credit history and made late payments on the account - My FICO score is over 700 and I never made a late payement.

I wrote back asking for detail as to the late payments and was told Chase was in error and that there were never any late payments. There were now saying that the interest rate was raised due to a review of my credit report.

I subscribe to several services (equifax, etc) and monitor my credit. I was just approved for a car loan and have no blemishes on my report - as noted my FICO is over 700.

I wrote back to Chase and asked for a formal review with a case number assigned. They responded by telling me the reason my interest was raised was that I was 1 day late on a payment - they supplied details - Apparently the due date was on a Sunday and they did not POST the payment until Monday. My bank account (also Chase) shows the Payment made on the Sunday.

I am at wits end. I have closed all my banking relationships with Chase but wish to file a complaint - maybe with the NY Attorny Generals office.

The only reason they did this was to gouge consumers before the new laws go into effect in February.

I have 1st and 2nd mortgage with Chase and a credit card account. I have never been late or missed a payment on any account and they cancelled my card. Supposedly this decision was based on some random check of my "Experian File". I tried to work it out with a representative and was given the run around. Bottom line, interest rate was raised and my credit account cancelled.

On an account that has been closed for over 4 years, they raised my interest rate to over 11%. I called up customer service to questions this. There was nothing they do. Apparently, even on a closed account they can jack up your interest rate. It's just not right. I am closing my checking and savings account with them this month. I never want any more dealings with Chase!

On 10/15/09 I paid the outstanding balance on my Chase Visa card, my due date was 10/16/09. I also had the account closed. On 10/21/09 I was charged $77.64 I did not receive this statement since I was away. Then the next month there is a late fee applied of $39.00. I then contacted Chase and asked that the account to be corrected, I do not understand how they can charge interest on an account with a zero balance and one that had also been closed.

They have responded that there is nothing they can do, that the late fee was applied due to the $77.64 not being paid. My argument with them is that that fee never should have been charged, so how can they charge late fee on a charge that was applied in error. They have been very difficult to deal with, they did credit $1.00. Which added to my anger.

I have done some research and found that people have had the same problem with Chase and that once their problem was presented to the attorney general in their state, Chase was told to make corrections to the accounts and/or refund the fees. I have not made any payment as of this time and have been in touch with Chase 3, now 4 times, but they continue to harass me for payment. Please let me know what to do.

I have told this company not to call. The phone number that appears when it calls is +0000000000. I answer get the information and tell Chase not to call anymore. They have called every day in December and numerous days in November. I would like this company to be held accountable for malpractice.

why in the world would want credit with Chase? have you read all the complaints! I have just paid off the jerks and i have no intentions of giving Chase another penny. I was lucky enough to have the money to do that but there are thousands that are stuck with them. unless you have plenty of money for fees, overdrafts and their imaginary, money grabbing gimicks you need to look further for a credit card.

I have been a WAMU card holder and Bank account holder for over 10 years. I also had a Providian credit card later purchased by wamu. March 2009 when Chase startd their conversion of WAMU accounts, they changed my due date on my Providian, without notice, and then locked my ability to pay online (as I have done for the past 2 years.) When I realized they changed the due date (potential late fee charge of $39.00) I tried to make an additional payment. Because I had scheduled payments, the system would not allow a payment within 3 days of a scheduled payment. Wam--a $39 late fee that forced a $39 over the limit fee.

I called Customer Service and became ensnared in voicemail hell. Finally, after pleading my case it became apparent the customer service rep and supervisor were not customer service minded. They would not adjust the charges. Even though they could see I paid timely and paid the overage to avoid "the over the limit fee" before the "due date". The 2nd payment however did not post because of their 3 day hold!. I am changing banks now that Chase closed my Line of credit account without notice on 10-23-09, when they completed the merger of accounts. The banks are hoarding money and racking up fees that will be unlawful come Feb 2010. With credit being so tight, the little people are struggling to pay light bills, gas bills, food bills and minor repairs on home or car. The 30 day float of extra funds is seriously twarting economic recovery. and the retailers are hoping fou us to bring them back into the black. Seems to me the banks are holding the money hostage until they make their margin.

Chase took my husband's rate from 6.9% to 16.9%. He's never been late with a payment on this card, or anything else for that matter, and has excellent credit (800+). He made several calls to Chase to see if they would lower the rate, and then to just complain or get a reason why they did it. No explanation. He's infuriated! Meanwhile, they sent me a letter saying if I got a card, transferred a balance, I'd get 0% until some time in 2010 or 3.9% until the balance was paid off. This is how they repay good customers! Unbelievable!!

I have constantly been refused credit by Chase, although I have done everything they have asked to receive a loan...I have good credit and Ive been in the import/export business as a company doing business with Chase for over 6 years, nadh ave done millions of dollars of business with them and they refuse a me a basic business credit line what should I do?

I set up a plan on a credit card service with what I needed to do to pay off all my cards in 6-12 months, I was very happy to do this and after only the first month the disappointment started. After paying almost 2 times the minim required, I read the next statement and too my surprise see that after I paid the bill 3 days before it was due online which is supposedly "instant", it was charged a 39.00 fee for being posted, conveniently the day after it was due.

I contacted the customer service about this and after a brief "i could careless convo" with a rep I went to a supervisor, he informs me that he will process a claim and get it taken care off, 10 minutes of being on hold later, they come back and tell me it was denied! Well I am defiantly looking for a way to get this CC paid off as fast as possible, after a transfer of funds and canceling 2 cards to this at the time WAMU card I was extremly happy with it, 6 months later the chase buy out takes place, they dont process my WAMU payment thru thier chase system which once again my answer was and I quote," Sir there are other ways to pay your bill, if you would have sent the payment thru the mail in a timely matter we would not have raised your rate from 0%APR to 28.9%APR".

This is the worst service and experiance I have ever had with a company, and it seems that even if I try to pay it off, they will get me again somehow, plenty of bailout money and laws to protect these institutions "that we cant live without", but seems that for us the consumer the opposite is true. Raised my interest rate from 0 to 500+ dollars

These people have jacked my APR around from 14% with WAMU, up 29.99% starting Jan. 1, 2010, I pay more than the minimum due, and always on time. Then they give us the option to cancel our card for a lower APR, or keep it open and they will raise it. I just bought a house on August 28, 2009, Chase is the mortgage holder, I'm selling, for that reason only, I hate everything about Chase!

Was anyone going to notify me of this $10 payment removal? What if I just looked at my account online and thought to my self, "Oh, I already paid that payment"? Then I would be responsible for A LATE PAYMENT AND FEE that [Chase] caused? I am really having a hard time with Chase, do [they] just NOT like me!

They mess with my account and could make me miss or be late on a payment. I am just getting my credit rebuilt and they are going to be the ones to bring me down with this APR, I have 6 credit cards 5 of them are under 15% APR, guess which one is not!

I made a payment by phone on 11/13/2009 (which was the day my bill was due). When I was finished, the automated system told me my payment would not be posted until the next day and therefore would be late. I Immedietly called customer service and told them about the problem and she informed me that I would have to pay via the web site in order for the payment to post the same day. I told the Rep that I would like to cancel my Phone payment and pay on the web site to avoid a late payment charge. I was also willing to pay an additional charge to switch payment methods so my payment would not be late,(I have never made a late payment). She told me I could not do that because I had already made the payment but She said she would waive the late fee and put a note on my account thus avoiding any late fee or penalty.

I understood that this issue was resolved and my payment would be recorded as paid on time. However, When I receive my next bill, Chase had charged me a $39.00 dollar late fee and raised all of my rates (2.99%- 3.99%) to 25.99%. This raised my interest payment From $95.10 to $380.65. As soon as I received my statement I called customer service (upset) on November 30, 2009 and the customer service rep told me I would have to talk to a superviser and that is when I talked to Ron M.(they do not give their real names). He was rude and of no help, He told me that he would review my past telephone conversation and determine whether I would get my rates back and If the fees would be dropped. I told him that I wanted to talk to his manager, he just gave me her voice mail (I left a message, she did not call me back but Ron did . I called back customer service and talked to another representative ( told her the story) she said she would fix the mistake but could not because somebody had put a hold on it so nobody could change it. I asked if I could talk to another supervisor and he sounded like Ron but used with a different name.

You would think Chase would be a honest Card Company and monitor their management more closely.
This matter has yet to be resolved, Chase said they would give me an answer in Ten days and I should just make the double payment.

Ron also told me that their was not another person with more authority that I could talk to.

At the beginning of 2009 Wamu was taken over by Chase. I never thought this would turn out to be as much of a hassle as it's been. Upon reviewing my account Chase upd my apr to 31.99% due to a missed payment while i was still a wamu customer. I paid my bills every month and in August I realized my balance on this card was not getting lower even though I was paying more then the min amount. I called in an inquired and was advised why the rate was higher and was told that if i locked into a payment of $70 per month ( less then what I was paying before) for the next three months then i would be able to call in and get a lower APR. Well I called today and spoke to 3 different reps whom all advised me there is no such offer on my account and the company is in a " lock down and no accounts can have the APR changed." I proceeded to ask for a manager, whom then redirected me to customer service because she did not have paper work on the lock and it's longevity. When i spoke to the Final rep he again advised me of the lock and said it could be in a lock for the next 60 years. I under stand the economy is in a financial repression, but i don't understand with all of these companies getting bail outs why people like me who pay their bills on time are forced into APRs that force us to stay in debt.

This telephone number calls me as much as twice a day. There is no way to talk to a person and if you try to call the number back, you just get the same recorded message. This has gone on for a month or more. I just want them to stop calling me. I'm guessing that they are managers on an account that I have with a store; but at any rate, all my accounts are paid, so I don't need to be hearing from an automated message up to 2-3 times per day. Any idea how to get them to leave me alone? Any help would be greatly appreciated.

Now here I sit with no evidence of this card closure on my credit report, and no credit card account. Thus, I wrote that letter requesting information on my account with physical proof of a summer 2009 statement and a photocopy of the card itself that does not expire until March 2010. Has Chase been so careless as to completely delete my account from their computer system? I need an answer because I have done nothing wrong on my end and it is simply not acceptable that the respresentatives shook my "disappearing account" off as "no big deal."

I was given a credit line of twenty thousand dollars though I had not requested it. Suddenly a couple months ago I was notified that it was dropped to $8500.00. Meanwhile another office in the company kept sending me "convenience checks" with an attractive rate. One set came in the same mail as the letter. Then they embarrassed me by bouncing two of the checks I had written. They are totally out of control. I could not recommend them to anyone for any purpose.

I had a great account with WAMU for 2 1/2 years, Chase comes in and closes the account, jacks the rate up to 30%, and moved my due date up a week. I called several times to get new card activated as I used old one quite a lot, every time I called I got someone unintelligible with heavy indian accent. I finally called today to address concerns, come to find out they closed it 4 months ago because of a disputed charge on my credit report that had nothing to do with them. The charge in question was removed a month later after I disputed it with evidence it was not valid.

A few months back, Chase closed a 12-year-old account that was transferred from WaMu. No notice, just the card didn't work one day.

Guess what? Today they closed another card that I had with them. No notice, it just didn't work. This time, it has been used every month; as a matter of fact I just paid it off a week ago.

I called Chase in September to get my account payoff amount and also aked to close my account. I paud the balance due with a routing number over the phone. I was Adamant that I wanted to pay the balance in full and have a zero balance. I clarified this even as I hung up the phone. The guy told me my balance was $145 but apparently it was $160. I very clearly said I wanted to pay it in full not all but $15.00 of it. Why would I pay all but $15 of my balance?

This should be illegal!

I called today to reject their T's & C's. They thank me and said "hope to see you soon again", then I said "not in your life time!" Chase is an end of chapter for me! Feel very insulted and emotionally damaged with disbelieve to a company I once respected!

Wow. Where to start. I was a user of this credit card for years. I called back in May to get payoff and close my account. They gave me balance due and told me where to send payoff and close account which I did. Well, I randomly received this mailer that looked like junk mail. The only thing that caught my attention was it said at very top, delinquent account. No account number or anything on letter to make me think it was legitimate. My wife happened to see the letter and went back and found the old file and looged. And, yes in fact it showed us to be late with a balance. Unbelievable! The most amazing thing is they have never sent us an email or piece of mail until now,5 months later. I called and spoke to a Lisa who basically told me tough luck, but did waive a fee so I paid the balance she told me to immediately. Low and behold, I have still not received any emails or pieces of mail from Chase. I looged on today and they still show a balance and have not closed my account. This is so frustrating!!! Please help.

I have not been late and early every payment. All of my payments are going to intrest. Now I will never get this card paid off. Someone needs to do something about this company. Bad for business. I made a 232.00 payment and this is my intrest everymonth. Chase is a rip off.

I banked with WAMU for 23 happy years. After they were taken over by Chase, we switched our checking/savings accounts happily to a local credit union. My husband and I had a Wamu card that transferred to Chase, and recently received notice that the APR would basically double. I have a 776 credit score and my husband is right around 700. We had heard recent horror stories from coworkers who had been loyal WAMU customers from years, having their APRs raised before laws changed, and having the company close accounts without much notice. Upon receiving their notice, we promptly called Discover to get the balance transferred. They said they'd had a barrage of calls in the past couple of weeks with similar stories. (Why aren't there more companies like Discover and AMEX? I love them!)

I left a $40 balance in there and have asked my husband to use the card for a small $10 purchase this week to see if the activity and small remaining balance will keep us from being canceled. His score will be negatively affected by the closure of such an old (WAMU) card, as he's not from the US and has a much shorter credit history. We have never had a payment to any loan or card even one day late, and always pay well above minimum. How can a company like Chase jerk around responsible credit users like ourselves who treat our FICO scores and financial responsibilities with the utmost importance? I am disgusted, and the ax hasn't even fallen yet. I know it will.

My husband lost his job in October. I offered to pay chase $50.00 per week. They would not accept anything less than $120.00.

I just posted a complaint yesterday but I wanted to add an update to my story. *UPDATE: Upon closing my checking and savings accounts with Chase, I had requested to have all communications cease from there on out. Of course I still received offers for a Chase credit card, so I sent the offer back with an attached letter to again request to cease all communication from Chase.

Then yesterday, I received an email from Chase regarding a change in my payment date, which prompted my report on Consumer Affairs. I had also emailed Chase to let them know that what they had done was illegal, and that I was well aware of the law.

Late last night I received an email from Chase - a PERSONAL email FROM CHASE! - stating that they were happy to honor my request to remove me from any and all communications and detailed the process in removing me from phone, email, mail communications. Funny that as soon as they learn that I am on to their illegal business practices, they immediately address the fact that they're happy to cease all communication, dont you think?

So, I still do not know when my new payment date is, and now I'm supposedly removed from all communication from Chase which I'm guessing will result in me never finding out.

I called the 1-800 number and they said it was closed 12-1, which is today when I tried to use the check. They sent me the checks and my acct was only closed because I wanted to use the checks. What gives? Now my credit score will go down because of this. I would not have even used this acct if it wasn't for Chase sending the checks saying I was such a good customer and I could use the checks.

When I reviewed my Dec. Credit card statement from chase I noticed my payment went up from 68.00 to 77.00 and it was odd beacuse I had not used the card. After reading through my statement I'd noticed that my finace charges had almost doubled, so I scrolled down my statement a little and noticed why. My Apr% on purchases had almost doubled. It went from 8.24% to 15.24% which means up went up by oer 95%.

I gave CHASE a call around 12:28 this afternoon DEC 1, 2009 and talked to young lady named Kaylee, I explained the situation to her and she said "We have to raise our rates to recover the money we're losing because of what's happened to the economy and we sent you a notice in mail giving you the option to opt out of the hike in your rate but you didn't respond so we had no choice but to raise it and I can't do anything about it now." I explained to her that I had not recieved anything for that account and that I have 6 open accounts which I have all the paper work for that they recntly sent out and online in my statement history whenever CHASE sends you documentation on your account it's notated next to the month it was sent out by CHASE and nothing was there for the month of August only for June and October. Her reply after that was and I qoute " I'm sorry sir but we at CHASE don't have any control over the POSTAL SERVICE and what they don't deliver. Your rate is changed and there's nothing we can do about it now and even if I transfer you to a supervisor they're gonna tell you the same thing.

So I'm writing a letter to there credit division to see what kind of bocus story they're gonna give me. Who and how can we stop this from happening to other consumers?

I was a previous WAMU customer with an $8K MasterCard thru them, a $3K CD and a checking a/c with an avg. balance of $5K. I never had a balance of more than $2500. I always paid on time (min were $28, I would remit $100.) Sometime in July I went to a retailer and used my card...only to find that the charge was declined.

When I got home and phoned Chase, I was told that a credit decision was made and the a/c was closed. 3 days later I got a letter confiming said. I now remit $48 a month to a closed MasterCard a/c after several attempts to have the a/c reinstated. I have also had the interest rate hiked. I have tried to negotiate the rate and balance...also to no avail. HELP!

Chase's decision has effect mostly my credit score as well as the percentile of available credit indicator on a tri-merge credit report...not to mention the effect it has on my spending power. Merry Christmas Chase. WAMU treated their loyal customer much better.

I have 3 credit cards from them. I asked via email to have 1 of 2 phone numbers removed from my 3 accounts. I received email confirmation that it was done. Without telling me, they placed fraud alerts on all 3 accounts! The result was that a recurring charge from my ISP was rejected, and I had a personal card charge "declined" in a business office. I called the fraud dept and had the alerts removed. Later when I went online to look at my 3 accounts, only one account (the one that had the declined/rejected charges) was visible.

After almost 2 hours of phone conversations with everyone from customer service to Internet Services to Security to Fraud Division to Online services BACK to Fraud, I was told at every step that while the alerts were cleared from all 3 accounts, it would be 5 business days before I could access the accounts online ! No one had any explanation beyond the fact that "the systems works that way".

When all was done, I logged online again, and now could NOT SEE the account I could still see before tha "fixes" were done. Another trip through the Fraud div at least yielded the address to which I could write a letter to complain about their procedures. No one would give me a phone number of an email address I could use to get timely attention paid to my VALID complaint. In addition to the embarrassment and personal inconvenience, I am now not able to perform my own security checks by viewing my account charges online, to insure no invalid charges are posted, until next week!

I ended up with Chase after they bought out Washington Mutual. It has been nothing but a problem. I went to pay the bill at 3:00pm. It was charge as the next day because I live in a central time zone, which caused the payment to be late. This made me angry so I closed the account and thought I had paid them off.

They have a worthless staff that is available 24 hours who can not give a correct payoff amount. You will pay the amount in full for the month and the next month they come up with some lie of why you still owe money and you have not purchase anything. They continue to calculate a interest charge on the interest.

I left a $96 balance because I was given the wrong amount and the interest was $130 the next month. I paid it in full and received a bill for $5.31. I was told on each of these occassion that I would not receive another bill. On 11/30/09 I received a e-mail stating I owed $1.50. They get away with this because no one wants to mess up their credit. They are some of biggest crooks I know. Who ever said crime does not pay. It should be Chase anthem. If you don't keep on top of this account and make sure the balance is zero they will keep charging you money when you think your account is closed.

I'm a consumer with Chase Visa. I started off with Providian Visa who was bought out by Washington Mutual, who was recently bought out by Chase. In 8 or 9 years I have NEVER HAD A LATE PAYMENT with all three companies. I am doing online bill pay. I send more than the minimum payment every month. I send it early every month and I went to make a purchase and it was declined. I was shocked!!! I heard these credit card companies were making it extremely difficult for consumers, but since I am ALWAYS EARLY, ON TIME AND OVER THE MINIMUM BALANCE FOR YEARS AND YEARS, I never thought they would treat a customer so poorly.

I called CHASE as soon as I got home to see what was going on with my credit card. It seems I COMPLETELY OVERLOOKED my November payment. That never happens. I made an HONEST MISTAKE and I am being PENALIZED after YEARS OF an excellent record with the three companies of never being late, overpaying limits, but they have NO MERCY when it comes to 1 MISTAKE. You would think after 8 0r 9 years of having this credit card which changed for the third time that they would give me a ONE TIME COURTESY and not report this to the credit agencies. I made my normal payment EARLY TODAY and sent another 100.00 to catch up with last months mistake.

I admit I totally OVERLOOKED NOVEMBER but in an attempt to make this right, they were rude, relentless, unsympathetic, and just down right robotic. I understand I am just a number and they hear every excuse in the book, but if my account wasn't in GREAT STANDING BEFORE, I could see they would not honor a ONE TIME COURTESY that was my mistake. If it were the other way around, and they made a mistake somehow, it would be all right. I'm just asking a simple question, just please check my previous pay record and then judge whether they want to give me that one time courtesy, but to say NO and hang up on me I had to write this letter.

Like so many others wh had a Providian account that morphed into into WAMU and then into Chase. The result was I had three credit accounts which over the years kept having the credit limit raised as a result of the criteria they use. I never asked for a raise, it just happened.

balance of $8800.00

A morphed WAMU cards from Providian [10 years ageing] with a credit line of $16,900.00 Balance owed = $885.00

I had just bought some stock so my checking account was lower than normal so when some unsolicited convienience chacks arrived for the first account with $11,000.00 of available credit arrived stating I could write a check for any amount up to my limit, I opted to write a relatively small check for $1500.00 till payday to cover some Christmas shopping and deposited it into my account.

The second account and the longest history across 3 card issuers had a credit line of $16,900.00 with a balance of $885.00. It was reduced to $1200.00 A CREDIT LOSS OF $14,200.

The 3rd account had a credit line of $4,500.00 and a balance of $1400.00. It was reduced to $1700.00 A CREDIT LOSS OF $1400.00. This is not much but is shown to reflect a pattern of unconscienable action and behavior on the part of Chase.

All this because we used a relatively small convienence check which would still have kept my open credit on the account under 50%

I have had my credit account with Chase for over 15 years. On this credit statement my percentage rate jumped over 6%. I have never been late on a payment, however they upped my rate. When I called to inquire why, the representative told me they were required to by a recent law passed by Congress! Obviously this rep was told what to say, because she didn't have a response when I informed her that Congress was trying to keep the credit card companies from doing this exact thing, not giving them permission to do it!

None the less, Chase is unwilling to keep a long time customer. I am not only closing my credit account, but I am looking to move my mortgage account as well. With my husband out of work for over 8 months, I am unable to pay the extra $50.00 a month that Chase has added to my bill.

We are now having to sell our car, which is my only form of transportation for work. I will have to try to change positions within my job in order to accommodate the bus schedules, and ultimately I will take a pay cut, causing further financial problems.

The card charged me late fee based upon its receiving date. I contested and said that payment was made at least three days before due date. The charge was not fair and reasonable. The response was not resulting in fee waiver. I paid the balance of late fee charge and finance charge at the local bank of Chase. And I closed the account.

However, in the following month I received the statement showing I still need to pay another finance charge. I called its customers service center and was told that we have to charge you finance charge. I said based on what? The last payment was made before due date and paid in its local bank. There was no further explanation. I said why I need to pay this finance charge forever? There was no response.

This double finance charges were not waived. I am waiting for the following month and are ready to file complaint to the relevant department if it still keeps charging same fees. This is nothing but same as stealing.

I was a WaMu customer for 4 years until Chase took over. I was always happy with WaMu, always had great customer service, always felt taken care of, looked after, felt my money was safe and it was being dealt with honestly. As soon as Chase took over, all of that flew out the window and was kicked to the gutter by Chase.

I had a credit score of over 700, a clean record, nothing reported as late on any account that I have. I had two WaMu/Chase credit cards, one had a low limit of $900 for some reason, the other had a limit of about $4500. The one with the higher balance was my main credit card, the other cards that I have I only still have open because when I previously tried to close them I was told it would only hurt my credit to close them. Fine, I'm okay with that if I'm not paying anything on them.

One day, I come home to two letters in the mail saying that both of my Chase credit cards were closed. The reasons they gave were completely false, and did not in any way match up with my credit report and credit history. I called customer service and was treated very poorly for one, and two, I was immediately shut down and told to call Experian, the credit reporting agency. Stupidly, I did waste my time doing this, which took 4 days to get a hold of someone since I had to wait for them to give me a claim number before I could speak with anyone.

Once I got a hold of someone with Experian, they explained to me that they only house the information that the credit card companies give them, they have nothing to do with any decisions to open or close an account. This is, of course, true. She also said that THEY are filing a complaint with Chase Bank because they Chase was apparently just passing the thousands of insanely angry customers to Experian and wasting all of their time, just so Chase didn't have to deal with them and face the music.

I called Chase for a third time, and for the third time was continually interrupted, the same inaccurate information was repeated to me, I demanded to speak to a manager, and he refused to let me speak to a manager. I called a couple more times, and the same thing happened every time.

Both Chase credit cards were closed involuntarily and both had a balance on them at the time they were closed. And, the interest rates were raised to 30%! This KILLED my credit score. And again, both cards were still listed as "in good standing" on my credit report! The card with the lower balance was nearly paid off because I had been making two payments a month (by choice) in an effort to expidite getting it paid off. Yet one reason they listed on the closure letter was that I was carrying too high of a balance.

On the other letter for the higher limit credit card, they listed something along the lines of "excessive late payments" or something else completely false, but again, my credit report states that both accounts carry a clean record. So now, I am using more credit than I even have available to me. This has resulted in one other credit card I have now been forced to use to lower my limit, and I am completely unable to obtain a new credit card from anyone (yet Chase is still sending me offers!).

Since all of this took place, I have closed my checking and savings accounts with Chase and moved to Bank of America whom I've been very pleased with (though, none of them are perfect right now). When I closed my accounts at a local branch, they told me that my online profile would be deleted as well, meaning I would no longer have a way to log in to chase.com.

Fine by me! UNTIL, just the other day I received an email from Chase stating that my payment date had changed. It didnt say what the change was, or when the new date was, just that it had changed, and directed me to LOG IN to chase.com. I nearly lost my mind. I called Chase and they told me that I would have to log in to see what the change was. I explained and was yet again, as always with Chase, treated with such disrespect. I knew immediately that Chase changed my payment date in an effort to rack up even more charges from me.

Just today, I read an article that changing the payment date has been ILLEGAL since August of 2009. It's now November. How they think their customers are so blind and stupid is beyond me.

How is it legal for them to give no notice, so that they can get under the wire of the Dec 1 enactment of the credit card consumer rights bill? The government needs to take stronger action against these financial institutions, who seem to be able to do as they please with no repercussions.

I received an offer in the mail to do a balance transfer with 0% interest for a period of time. I called to see if I could do a balance transfer from my AAA card account in the amount of 15k because my payment on that card went from $160 to $567 (handled via B of A which I will write about next) when they claimed I was late when I was not. I explained to the rep what I wanted to do before she processed the information. They processed the data and then let me know that I was approved for $1500. I told the rep that I did not want nor need a balance transfer of $1500 because all this would do is create a new bill for me and do absolutely nothing to bill that I already had.

The Chase representative said she would check to see if she could get it raised. The amount it was raised to was $2300. I told her no thank you and that I did not want to do the balance transfer. She explained that there was NOTHING she could do because the transacation was already performed.

I now have incurred a new payment with Chase in addition to the old payment with B of A because the $2300 did nothing to decrease the amount of my payment.

The consequences is that Chase will not see any more business from me. I no longer trust corporations or the politicians that support them.

When I called them on it Case claimed a letter was sent explaining this rate hike and I could have opted out on the rate. I would never agree to a rate hike

So now I am being charged a $30.00 late fee on an account that should have been 0 balance! What a rip off!Chase credit card put these fees on there that should not be on there and then charges me a late fee for fraud charges! I will be canceling my cards!

A call to ask relief produced no results based on past payment history. They claim...oh didnt you get our letter in July that rates were increasing and you had the oppurtunity to opt out. Yeah right. am laid off..but will be transferring my 4,500 balance to [competitor] at 11.24 fixed with no balance transfer fee

I too had an interest rate of 12.24%. A few months ago they lowered my credit limit and raised the interest to 15.24% Now I am informed they raised the interest to 23.24% beginning in January 2010. I would happily close the account but it is my only credit card and I have not been successful in transferring the balance. I have never been late and pay more than minimum and never had a balance until the last few months.

Both my husband and I have used Chase Visa card for years. We have had numerous problems through the years with them but still used them. In September 2009 Karl's bill came in with a 125% increase on the minimum amount due. His minimum amount was $315. He always paid more than the minimum due and on time. The bill came in at $775 minimum due. He did everything calling our congressmen, better business bureau and the Federal Trade Commision. Chase found a loop hole and they're getting away with it.

That same week I received a letter from Chase on one of my cards, thanking me for enrolling into some program of theirs. I never enroll into any of their programs because there's always a monthly fee with interest. I called right away and informed them of their error and demanded the card to be cancelled. For Karl's card. We've transferred most of it to a Master Card and will pay the rest off next week. We are cancelling all of our Visa cards and taking our money else where.

Raised my CC rates from about 15% to almost 24% for no reason. Said I was sent an opt out notice to close the account or pay the higher interest rate. Nothing like getting a gun put to your head huh? This bank is horrible. I had 2 other cc accounts with them including a Southwest Airlines Rapid Rewards which I closed out as well. DO YOURSELF A FAVOR AND CLOSE ALL ACCOUNTS WITH CHASE BANK! By closing accounts they know they are ruining people's credit rating. Obviously they don't care.

They forced me to cancel my card. Basically they upped the interest on my platinum card from 12% APR to 24% to 28% APR for absolutely no reason. Im a low risk card holder in good standing. This is unacceptable. I have two checking accounts with them and I have no idea if they are going to think up some way of adding phantom fees to steal money out of those accounts or whatI just dont know. Clearly this company uses methods of thievery to operate and Id like to beleave theyll be held accountable.

Chase is claiming I was late on a payment. Although all payments sent to my billers on that date were not late. I asked how many times since I opened this account in 2002 that I was late with a payment, and was told never - even with that, and the fact that for the last five years I also make a mortgage payment of over 1,400.00 (also never late) they would not waive the fee, saying it was not their policy.

I got a chase visa which was supposed to have a fixed rate of 8.99%. After the introductory period. When the time came to pay intrestit came in on the billat9.99% Now mylast statement came in and they raised the intrest to13.24%.I have never been late,I always pay way more by hundreds of dollars more then required. And yet my fixed rate for which I signedup for is now a variable rate.

According to the Chase Credit Card and Calendar, Friday November 27 actually ENDS at 4:00PM East Coast DST

Yes, although the SUN is still up and it still says Friday on everybody's computers and it's only 3:00 in some parts of the country,

APPARENTLY Chase can decide what "late" means and when their fee policy can kick into effect. Whoops -- 5 minutes past 4:00? LATE!

"Yeah, let the suckers fall into the trap where we charge $14.95 to pay online ON TIME! Because WE say it's late, it's Late!"

EVIL

I was recently laid off from my job and only get paid every two weeks now. I informed chase of what happened, and was trying to make arrangement to move my payment date to the date my umemployement came in. Instead of helping me chase constantly calls my phone even after the situation was explained.Then a costumer services person asked me why i could not pay my late fees even though my payment was to date because they took two payments at once.She basically said to me your a plumber can you find some side work to pay your fees. I found that out of line for her to do, considering i try to do as much side work as possible, and even though i sometimes get work i still need to provide food and a roof for myself.I think it is completely unprofessional for someone to tell me how i need to pay them and what i need to do.

i also find it unprofessional to call my phone on the weekends especially sunday while i am eating dinner. i understand your call center may not be located in this area but everyone should be left alone on SUNDAYS. Right now everyone is laid off and trying their best to keep bills to date, but it is not the easiest thing to do when your pay is cut my more then half of what you normally make. i wish the people at chase were more understanding and would work with me so i would be able to pay on time and avoid a waste of their breaths and my money going to late fees. if something could be done about their ignorance that would be great.

thank you

The basic facts of my dispute with Chase Credit Card Services are summarized as follows. My wife and I purchased a television on November 16, 2009 at Circuit City for $2359.61 including delivery. The Circuit City employee at the customer service desk took our application for the deferred interest program. She explained the credit approval system had been down nationwide all day and they would have to obtain approval over the telephone. Since the process took so long, we were advised to leave and come back in an hour or so.

When we returned, the store personnel advised us we had been approved for the deferred interest program. The only paperwork we received at the point of sale was a traditional receipt showing the amount of our purchase. There is nothing printed on the back of the receipt that addresses the deferred interest program and we had no way to know acceptance in this program must appear on the receipt. .

The receipt does contains the term transaction re-entry which suggests when the purchase was finally entered into the system it may not have been properly entered as an approved deferred interest account. My credit rating supports that I would have qualified for the deferred interest promotion and I do, in fact, have another Chase deferred interest account for dental services my wife received in March 2009.

Shortly after the purchase, I received an email from Chase asking me if I would like to forego paper statements. The first and only written statement I received from Chase showed no interest assessed. Printed at the bottom of the statement is an Effective Annual Percentage Rate (APR) of 0%. I assumed this was a confirmation that the interest was, in fact, being deferred. Since the date of the purchase, I have complied with the terms of the promotion by paying on time each month

I did not learn that I was improperly being charged interest until late September, 2009, when I called to request a balance on the account. The balance was much higher than I anticipated and I discovered Chase was charging interest. I explained this was not correct and the customer service representative checked and confirmed that Circuit City had been offering a deferred interest promotion at the time of my purchase. She agreed to investigate the matter and explained I would receive a written reply in 5-7 days.

On October 2, 2009, I received a letter from Chase advising me that unless I had a sales receipt stating that I was given a deferred interest account, I was responsible for the interest. I called and again explained we had no way to know that the terms must be printed on the receipt. I spoke with a Supervisor who again verified that Circuit City was offering the deferred interest promotion on the date we purchased the television. She agreed to request that the deferred interest program be reinstated on our account. She assured us that this second request would not be handled in the same manner as the first.

On October 10, 2009, I received another letter similar to the first again stating that unless the sales slip stated the transaction was approved for deferred interest, I would be charged interest at the standard rate. Upon receipt of the second letter, I called and obtained a pay-off balance and had my bank wire the full amount owed in order to avoid being charged additional interest improperly. I then mailed a letter on October 13, 2009 to Chase Card Members Services formally disputing all interest charged on this account and requesting that the over $300 in interest that I had paid be refunded as soon as possible.

On October 29, 2009, I received a response stating our account was not placed in the deferred interest program due to "our choice" to receive reward points. Again, the letter stated we must send in a copy of the sales receipt showing the promotion was "offered." At the time of our purchase, a reward program was never discussed since we specifically requested the deferred interest program, which was advertised in the Sunday paper and promoted throughout the store. We have never been a member of a rewards program with Circuit City and it would have made no sense to join when the company's future was clearly in jeopardy.

Chase has repeatedly confirmed that the deferred interest program was in effect on the date of my purchase. They have not indicated, however, whether they have confirmed the credit approval system was down on the day of the purchase nor have they confirmed if they have a record of our application for the deferred interest program on file. They have also not commented on whether this same situation occurred with other Circuit City customers who may have identified the problem sooner because they were receiving paper statements on a monthly basis.

If Circuit City was still in business, I would be able to resolve this with the store personnel, but that option is no longer available. The three requests I have made of Chase to resolve this matter have fallen on deaf ears. The bottom line is that I have been improperly assessed $300 in interest at a rate of 22.49%.

Chase is refusing to do the right thing in this matter and I need to understand if there are any options open to me to recover the money. My wife and I are senior citizens on fixed income. This situation has been very stressful and losing $300 really hurts.

In a time when things are tough why does our elected officals allow this to happen or do we still let the give money away and them stick it to us.

I opened up my statement and found that my interest rate had jumped to 15% from the 9%(which I was ok with)! When I placed my call I was told that a letter was mailed to me in June and that the increase started on October 1, 2009. I was assured by the gal from Chase that this was the best interest rate around and that I should just stay with them. She further called me "dear" and "honey". I don't think so! I should mention that I have NEVER missed or been late on a payment and my last payment was over $2000!

Within seconds I found another company that offered me 0% for a year and a 3% transfer fee.....I guess I did find a better rate.

I am a medical student working part time and having financial difficulties. I had called chase card services explaining that I was unable to make the payment by the due date and if there was anything that they could do for me regarding a payment plan because I felt if I acted soon enough I could avoid late fees and delinquencies involving my credit. I spoke with someone with chase card services and they told me there is nothing they could do and that if I did not make the payments that I would eventually be put in collections. I was very upset and could not believe a company as big as chase did not have help for people in financial difficulty.

After I was late I immediatley received a phone call from a chase advisor asking why I was late when I had a perfect payment history since I opened the card. I had told him I am a student and was having a hard time making the payments and he then immedialty took off the late fees as long as I promised to make a payment..I then called and set up a payment where I was told if I made a payment of 64 dollars by 11/17 that I would avoid any fees and not be reported as late to my credit bureau. I looked at my statment and was hit with a late fee when I paid on time on 11/17..After speaking with several representatives they took off the late fee for 11/17 as an error.

I looked back on the account and counted 6 late and overlimit fees and chase took 3 off. When I asked them to take the others off they say they cannot do it because they took 3 off which is a record for them as they dont take off late fees. I told them I was promised the original fees would be taken off and I was then tacked on 4 more fees. They will not take off the fees. I was not told of any payment plan until I was already hit with 6 fees. It is unfair that this company could do that to someone trying to get out of financial hardship. I would like all the fees taken off when I did call in advance to set up a payment plan.

Was sent over and over again balance transfer checks. Decided to finally take them up on over for 0% interest for 10 months. After using check, Chase reduced credit limits and cancelling one card in which I had a zero balance. Chase action affect my credit score by reducing capacity of credit.

I am paying off my balance and I will not use my Chase card again. I am disgusted that Chase is taking advantage of loyal customers. My money will no longer go into their greedy hands.

My credit card bills have been coming way to high every month. I pay about $130.00 every month for a creditcard I don't use. I have spoke to a customer representative and she told me its because I am close to my credit limit. The reason why I am close to my credit limit is because when I receive the card my credit limit was $2,000.00, but as I cotinue to use the card being that I was unemployee at the time, Chase cut my credit limit to $1600.00 without Notifying me an advance.

Every month I am calling and complaining because when I pay my bill online it tells me I have to pay one amount,Then the next month I find out I have a late fee because I didnt pay the full amount. Which seem to never make any sense to me. When I call Chase Creditcard Services every Customer Rep tells me the same thing there nothing they can do about it.

Every since Chase increase my APR charges and add protective customer plan to my card witout my constant, my creditcard bill has become unaffordable and out of control. From my creditcard payments being unaffordable for me this has lead to my credit score being effected

I own a business and have been with Chase for over 15 years. In July of 09, a company who has for years debited a monthly payment from my Chase credit card called to inform me it was denied. Knowing I was not over the limit or past due I called Chase to discover they closed my account. I had never been past due, over the limit or even late in my payments. Reason given? I didnt use the card enough! I attempted to work with them without success so I closed my business checking, personal checking and savings account with them. Meanwhile, being upset I began to make 50/monthly payments (treating them as they treated me like I was a slow or no pay individual).

I finally made a settlement with them which I sent over night, certified mail. I have a letter from them for the settlement, even though previously they said they couldnt do it, that I should just pay the settlement amount and trust they would know it was to zero out account. (Yeah right-trust) Today I get a statement showing I still owe! I was told they didnt post my payment until Nov 17th but I look at my bank statement and they deposited my payment on Nov 11th. The guy said he didnt see how that was possible. I asked him if maybe it was a check fairy that took it to my bank before it got to them. He said he didnt know how that happened that my check was cashed prior to them posting it, that it couldnt happen that way. I asked if he wanted a copy of my bank statement showing proof it was cashed, he refused.

Now they are saying it will take them 4 weeks to send me another statement but by that time I will then have occured a late fee on balance showing even though I wont be owing it. Confused, upset and disgruntled I told them where to put the late fee and hung up. I am with a home town, small bank now that treats me as a person, appreciates my business and when I call them...I get to not only talk to a human, but an English speaking one. Keep it up Chase, you will be the next one to shut its doors

I just received a notice that they'll be changing the terms on my Chase / Amazon.com credit card to a variable interest rate. Variable interest rate on a low balance credit card... pathetic. Who know's what they'll take the liberty to change the interest rate to; especially, after reading all these other complaints. So I just paid my balance in full and will be closing my account after the transaction goes through. The whole idea of a variable interest rate on a CREDIT CARD is absurd -- bunch of thieves. They pulled these same shenanigans on my parents, and gave them some b.s. to fight (annual membership fees, etc. even after account closing due to sudden changes in interest rates), but I won't deal with it even if it affects my credit score. The principal of it all is what matters here, boycott (or transfer your balance from) Chase!

I had a Wamu credit card until Chase took it over. I never carry a balance more than $200-300 and I always pay on time or early. I also do my personal and business banking through Chase. When I tried to pay my credit card online on 11/13, I wasn't able to due to their site being down. I went online on 11/15 and paid my balance in full. I noticed then that they charged me a $39.00 late fee on 11/13! I called to dispute since their site was down and was told that I should have called to pay over the phone. I was then given a canned line about how they are not reversing ANY fees, for any reason for ANY customers. He proceeded to tell me that I broke the "terms and conditions" of the "bank loan" and therefore nothing would be reversed, regardless of the fact that their site was down and that my payment was received 2 days later. I thought the arrogant attitude of the supervisor I spoke to was disgusting. I'm extremely disappointed and looking at canceling my card and moving all of my personal and business accounts to a smaller bank.

I had a WAMU credit card that changed to a Chase card. I have never been late and always pay over the minimum. I have received a "change of terms" notice. I can accept changes, including the interest rate going from 12.24% to 21.99% (17.99% over prime). If I reject these changes, then when I have the account paid off, the account will be closed. As I understand it, when I close an account, it adversely affects my credit score. I cannot afford to pay 22% interest on the balance. I have had to close the account, so now my credit score is damaged.

When I called and talked to a rep about the notice, he could not give me a reason except "the bad economy". I have written a letter to Chase, telling them what I think. I plan to send a copy to my representatives in Washington, DC. What else can I do. This is the 4th credit card notice in the last year I have received like this. With the lowest interest rates in decades, why is this happening?

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!

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.

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.

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.

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.

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.

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].

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.

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.

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!

Contacted chase told them we couldn't afford the payment they transferred me to a hardship department. Yes they agreed to let me keep paying the 500 but now its a balance liquidation which has really hurt his credit score, and they added 4000 dollars to the balance for interest. So now we have the next 5 years to get this thing paid off. Be careful of what they offer it can come back and bite you in the long run.

I received two letters from chase bank saying heres some checks with a limit of 10,800.00 use them to to pay off your debt so I decided to use one of the checks at 0% interest to pay my debts after I deposited the check they sent me a letter saying they lowered my limit to 500.00 and now I am over the limit and bounced a check this is not right!!! I will not be victim of Chase Banks deceptive, and unfair business practices!

I AM CLOSING ALL MY ACCOUNTS WITH CHASE BANK. THE NEXT STEP IS PEOPLE VS CHASE BANK! And trust me after reading the comments of outraged customers online

I had Providian card for almost 7 years. After chase took over they reduced my credit limit in half which I couldn't care less because I really don't use it, maybe couple of hundred dollars every 6 months. Two months ago I had to use it because the service I was using couldn't read my other cards (technical issue!). I paid my last statement online (total of 230$) well before the due date. Since this was my first time working with them initially I had to re-enter my bank account information which I had been using for years with Providian, I guess because now it was CHASE and everything had to be renewed ! So I did it and everything seemed to be OK. Today I checked my account online and I was shocked to see that one week later after I paid the account it was posted as "Payment Returned" plus three fine charges (additional 85 dollar).

I just called them and asked about this non sense and why the payment was returned and I the extra charges. Couple of people talked to me and gave me inconsistent answers. Initially one of them told me it was because of "insufficient fund in my account". I told her "its a joke and that account has far more than sufficient fund to pay this stupid bill". Then they tried to come up with other excuses and gave me bunch of BS. I was not even sure that they were different people and I felt one person trying to play the roll of the representative and her supervisor too!! I really could not trust them and after wasting my time on the phone with their ignorant agent(s) I realized that CHASE JUST WANTS TO RIP ME OFF no matter what and they are not really interested in having a decent business and costumer satisfaction. I asked them to close my account because I don' want to hear from them again.

I always pay 100% everymonth and never carry any balance. I found 6 months ago, they charge me for ridiculous late fee and finance charge. ALWAYS READ YOUR BILL CAREFULLY, THEY ARE VERY NASTY AND ULGY. So I called and cancel the card at end of May and pay off whatever I owe on the day and sent they all the payment IMMEDIATELY.

However, they sent me closing statement every month and still associate finance charge, when I owe them ZERO. I WOULD LIKE TO URGE ALL THE CONSUMERS TO STAY AWAY ALL THE BAD CREDIT CARD COMPANY.

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

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.

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.

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.

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.

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.

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!

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.

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.

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.

I called them and they told me they mailed a letter stating that I could have kept my interest rate if I wanted to. I asked the person if he thought I would want my rate increased and why? He said the letter was sent and I could have declined it. I told him now that I KNOW about it I want my old rate back. He told me I was too late and they could do nothing about it. I now will have issues making the minimum payments. I cant believe they did this. This country is all about greed anymore, no one cares about each other. It is sad.

I had a credit card through Washington Mutual for a few years that I was very pleased with. Chase took over WAMU in the past year. I had a $12,000.00 credit limit on my card with WAMU and a reasonable interest rate of around 12%. After Chase took over, my limit was reduced to $3900. I was okay with that, till they increased my interest rate to 22.24% beginning Dec 1st of this year. This made me angry due to the history I have had with this bank and on this card.

I had an auto loan on a 2006 Dodge Caravan with Chase that never was late and was paid off over a year early. All the credit card payments on my account have been on time, never once late.I have been a model customer for this bank. I called Chase today to state my case about my interest rate and they would not reduce it. They sounded more like they preferred for me to cancel the card and lose my business. Since when does a good company want to lose a customer that always pays on time?

They are pretty cruel upping their interest rates starting December 1st. They know many people will be charging items for Christmas. They know that many people will not read their new terms of service on their cards and get stuck for high interest. They are forcing me to find another bank for my credit cards. I will pay off my balance before the 1st of December. This is bank with crooked practices and they need to be called out. Any help you can provide would be appreciated.

Refused Credit Card.

Expenses would exceed revenue.

In July we received a notice that Chase was raising our interest rate from 5.74% to over 20% for no reason. It was claimed that policy changes were being made to all customers. We have had the card for years and have never paid late. With the letter there was a new terms and conditions sheet and within the fine print it stated that if we chose not to accept the new terms we could close the account and keep our existing rate. So, we contacted Chase and had the account closed.

The following month (August), we received our bill which had the higher interest rate on it. We immediately contacted Chase and informed them of our previous conversation in which we closed the account in order to keep our existing 5.74% rate. They told us that they weren't sure what had happened but they would adjust the rate back and credit us the finance charges that were billed at the higher rate.

In September, we received our bill and the rate had been adjusted back and the charges were refunded. We thought that all would be fine and we would continue to pay off our balance at 5.74%.

In October we never received a bill for this card. We have several other bills and credit cards including some others from Chase so I don't recall at what time of the month and for which card numbers the bills come in. I simply pay them as they arrive. Therefore, I did not notice that we didn't receive a bill for this particular card from Chase.

In November we received a bill with a late fee of $39 and an outstanding balance from October. I called customer service and explained my situation and requested that the late fee be adjusted as a one time courtesy due to the fact that we are good customers and have always paid on time. We were told that there was nothing they could do. Now they have raised our rate back above 20% claiming that it was raised due to paying late.

I believe that this was a thought out, manipulated ploy on the part of Chase to get out of allowing us to keep our rate at the 5.74%. They didn't think that when they sent out that little new terms packet that anyone would read the fine print stating that they could refuse the new changes by closing the account and keeping their existing rate. Because we closed the account noting the fine print which states we could keep our rate, they purposely did not send us our bill so that they could raise our rate for some other reason that we could not fight about.

This is dirty business practices and we are going to fight them even if we have to go to court so that we will not pay this bill. We offered to continue paying if they would keep our rate even if they did not adjust the late fee (which was not our fault) and they refused. We will be closing our checking, savings, and other credit cards with this company and I would recommend that you do too!

I checked out my interest rates shown on my Chase credit card and my business credit line account and found that the APR was lower than the daily rate they actually charged. Example: APR 8.74% Daily Rate .02395 (effective annual rate of 8.74175%). Also, I have also found that more times then what would be expected my credit card payment due date falls on either a weekend date or holiday. With Chase you can't make payment on line or at a branch on these dates, so you must make payment on the last business day before the due date.

On the issue of interest charges, they have not addressed my inquiries on this issue. The economic damage is I'm paying more then I should and if I am, so are milloins of Chase customers!

I first opened this credit card with Providian, which was later taken over by WaMu and then by Chase. I have never had a problem with late payments or anything of that nature. I always paid this bill from my paycheck on the 15th of each month. When Chase took over they changed the billing date to the 13th. I asked them to extend it and they said they would the following month. My April 13, 2009 payment did not clear my bank. On April 18, 2009, as soon as I realized my payment was returned, I made a payment.

For this one time error my interest rate on this card was changed from 10.24% to 29.99%. I was shocked and called Chase to see if something could be done since I had this account for so long. I was told that nothing could be done, so I closed the account thinking this would prevent the 29.99% interest rate. Not only was I wrong about that, but when I contact Customer Service by e-mail they responded by telling me that since I closed the account, there was nothing I could do. When I attempted to re-open the account so that a correction could be made, I was told I did not qualify for an account. As such, I have been paying for an increase of 20% in interest rates of my balance. This has created a serious financial burden for me and I find it incredible to think that Chase can raise my interest rate so significantly and not show any consideration for a long standing customer.

In October 2009, I was notified, without cause, that my credit limits on both my Visa and Mastercard were reduced and that my interest rates were rased to 29.9%. This caused my monthly payments to exceed what I could pay. I notified Chase, via e-mail, and was notified that after six months of on-time payments (which I continuously did prior to the unilateral changes to my account by Chase) that they'd look at reducing my interest rates and that I'd need to contact another organization within Chase to discuss the reduction to my credit limits. I responded to both organizations that I could not afford the changes and that penalizing me for making on-time payments was ruthless. Especially, after they had been bailed out with taxpayers dollars.

In no way should I have been penalized in this manner and subsequently ruining my credit scores. I take it very seriously in making my payments. Chase and other financial institutions who perform these type of business practices against its customers should be penalized. This type of activity make it very hard for many of us trying to meet our financial obligations to take care of our responsibilities to our families. Since Chase refused to work with me I went to the media for assistance. The media advised me to contact CareOne Debt Management for assistance to stop the harrassing phone calls and to start a payment plan with lower interest rates to pay off the Chase credit card debt. It's a shame that Chase puts on a charade to others that it attempts to work with its customers when in reality it doesn't. Chase needs to be audited for their unscrupulous business practices.

Chase has raised by Business Credit Card from a 6.24 apr in January 09 to 21.99. I called them and asked for a lower rate when it was at 13.99 and was told that it was the best rate I could get and to check back again in 6 months. Instead of keeping or lowering my rate they have been increasing it for apparently no reason. I have other credit cards and never had the same problems I have with chase and their credit cards. I think I had it with chase. I have a lot more than my credit card balance between my savings and checking account making less than 1 percent. Basically the same money I have with them is being lent to me at a 22 APR. This is too much.

first i was with Wamu which was great into chase bought them out there staff English suck they want help with anything my interest rate to the sky 29% i think balance always over the limit and i try to make payment $ 72 on time they want help with anything balance $1022 it was $900 last month they just using they using economic problem as there wavier to do what they pleased they need to be stop!!!!!!!!!!! i try to pay all my bill but chase about to make me give up on that and just not pay them

On 11/4/09 I deposited money into my Chase bank account to cover a check I had written. The next day I checked my bank account and noticed $116.31 transfer to another account debit. I did not know what this was. Apparently Chase had taken over Bank one and I had an outstanding charge off from 2005. I was unaware of this and kept getting the run around from the numbers I was told to call. I told my bank if I owed money I would have no problem paying for it but I would like to know how to do it and I did not know it was legal to just withdraw money from my account whenever they wanted. During the week I tried contacting the different sequences of numbers given to me to take care of this only to end up being told my branch would have to take care of it.

On 11/13/09 my check from work was automatically deposited and on 11/14/09 I checked my bank account only to see $326.12 taken out of my account again. That left 3 items to overdraft and now my bank account is sitting at almost $300 negative. I have 4 children and no money for food or bills. Not to mention my other checks in which I have written. I have never been told what is going on. I contacted my bank again and once again I was told they would look into it. I never signed anything with Chase saying they could steal my money. I was a WaMu customers and I feel I should have rights too.

Before Chase bought my account from Bank One I was enrolled in a hardship program. I have never paid them late and I met every term agreed to. Almost immediately after Chase bought the account I began having problems. At first they were charging me for late fees, because the payment date was always the same DATE each month but the billing cycle revolved enough to begin making my payments appear late....and the original agreement was no more fee accumulation. Then they began losing my payments (which I have since written off as I'll never get that credited to my account). Then they booted me from the hardship program (because I was paying just not when they wanted and apparently not wanting to give me credit for my payments) which soared my interest rate from 6 percent to 27 plus percent. NOW AS OF TODAY, they are only crediting my account 60 of 278 dollars I pay each month. Its been four month of back and forth with them on this issue, nevermind the last two years of trying to get back into the hardship program and the back interest.

We have had these accts for 15 + yrs. and am not aware of any late payments ever and for that matter always pay more than minimum due. My wife and I both have excellent credit, credit histories and fico scores. Now all of the sudden Chase raises our apr's from 7.99% and 9.99% to over 13% on both cards. Called to complain and request both cards be restored back to where they were and was told there's nothing we can do. I know we're not alone, and our problem is minor compared to the other complaints posted on this website and heard on television. This is outrageous and something must be done to stop these thieves. It's not bad enough we've had to fund all the bailouts and those thieves now it's this. What next? You can be assured this is not going to stop anytime soon as the thieves will keep finding other schemes to keep ripping us off and keep getting away with it.

This credit card Will Not lower my interest rate as I have requested numerous times in recent months. They decreased my credit line but Will Not give me or anyone a lower interest rate. I read online that all it takes is a five minute call for a request to lower interest rate. Chase Will Not offer a lower interest to anyone! I was told that they are in the black; they do not care if someone has a good credit report or not. This company Will Not budge. They are not promoting good customer relations. Chase Visa credit card are ripping off consumers! They Will Not give the consumer what is in the consumer's best interest. They are gouging the consumer to help themselves. The Chase Visa credit card is bad news!

I have a Chase Card. I NEVER received the bill for October. As a result, I missed my payment, and they raised my rate from 12% to 22%, gave me a $39 late fee, and now because my balance is only around $700, my minimum payment went from $16 a month to at lest $50 a month. This all happened because of something I DID NOT DO!

What if you had a six figure balance in savings, checking and CD investments with your bank? Wouldn't you value me as a client to keep?

I received my credit card bill in the mail late and consequently Chase Bank sent me a $6 finance charge and $39 late fee. I paid the balance in full immediately and called Chase to request a waiver for the finance charge and late fee. After being denied by Chase Customer Service Phone Support, I decided to send my request in writing. Today, I was informed by Chase Customer On-Line Service that they could not waive $45 in fees.

It is appreciated that banks want to be fiscally responsible. However, a customer who pays their bills on time, misses the deadline for a minimum payment and then pays the balance in full before the next billing cycle should be someone Chase wants to keep.

Its time for me to look for a bank who values customers like me. \

opt out of a credit card in june and in october they raised my rates again saying they sent me a letter two months afer my opt out. I did not recieve it so chase blamed the post office for charging me an extra 50.00 dollars in finance charges

I received a change in terms notice from Chase saying my interest rate was going up by about 12 %. I could opt out and close the account. I work for Citibank, and people keep calling in telling us Citibank is going to go out of business because of raising the rates. I got one thing to say: Hello people, all the banks, bank of america, chase, wells fargo, discover, their all doing it before The presidents plan starts in Dec! SO wake up its not just citibank its all the banks!!!!!!!!

I did for get all about this until recently. This card had a max. of 2000.00 when I signed her up for this card. This was a card in her name and I did not have any cards in mine name as it was officially her card

My daughter fell on hard times out in california. She had lost her job,lost her home etc. I do know she had had great credit and tried to work something out but no one would speak to her about working out a plan.
I was informed yesterday by the law firm Valentine & kubarites, that I was the main person on the account. I told the person kim that I had me taken off the account when my daughter moved to california. she stated they did not care about that and I was primary on the account which is now up to over $5000.00.
I told her that was not possible as the card only had a maxium amount of $2000.00 .

She told me I should just pay it off and be done with it as it is now my responsible debit.

I explained to her I was out on Disablity from a car accident and my husband a heart patient was out on disablity for his illness. He was at that moment at the hosipital under going more testing from his heart and he is not to be contacted ever concerning this matter. He had nothing to do with this and he could not be stressed anymore than what he is.
She assured me that would not happen. (they called him 3 times while he was in the hospital right after her and I were done speaking)
He could not pick up because he was undergoing testing for his heart.!!
Back to what she told me. She told me this kim that she was unable to do anything she was just the company they hired,Chase, to gaither information and that I would have to speak to the chase rep to appeal for our hardship situation. We went over my situation which I informed her we had no money coming into the house as I was out of work due to an accident and my husband was disabled. I also stressed the fact that these were not my charges and she wanted me to press fraud charges against my daughter when it was chase that did not do what was requested of them in 2006 when my daughter moved to california.
I never lived in caliornia which they tried to say I did and that I made the charges. I did not.

My daughter lost her home and everything.

so after I tried to come to some kind of common ground with this Kim, she stated I have a good hard ship case and that she was going to transfer me over to chase rep that could help with this matter, she asked to put me on hold till she transfered me and the three of us would be on the line together to go over the information. Next thing I know a women who I do not remember her name stated she was from chase to collect the debt. She did not care about the hardship and she was giving me 24hrs to think this over before she took action to take me to court. She laughed and stated she would attach anything I had in my name. she also stated that the Kim from the law firm stated I was able to pay and she would see to it that I was taken before the judge to make me pay for this bill that was now over 5000.00???
I was so upset I couldn't talk any more and hung up the phone.

None of this is right, this is not my debit, my husband is ill, I am not well and they want me to press fraud charges against my daughter.

I called this Kim back and told her what happened and she stated I miss under stood what she said.
I told her that this is what is wrong with this country and that she lied to me. she told me she was having me speak to someone in hardship at chase to see what they could do about this and she went quiet on the phone. then she stated I just miss heard what she said. I told her you stated that I had grounds for hardship and the lady from chase stated that you told them I had means to pay the debit. she wanted me to use another credit card to pay the debit off. I have no credit cards at this time. all are closed due to the accident and being paid by the credit card protection. the one credit card I can not pay so they waived the fees and are writing it off due to my situation.the women from chase kept insisting I had means to pay as that is what the attorney's report stated and she wasn't there to work on hardship she was only there to collect money or press charges of fraud against my daughter.
I told her she is nothing but a liar, and hung up when I started getting chest pains.

I couldn't breath or talk for at least 40 minutes.

After 7 years with Chase bank, they took my business credit card interest rate from 12.9% to 27.9% without even blinking an eye. The worst part is the new interest charges went against my current balance not just new charges. I have since closed my business checking and savings accounts. They still hold rights to my business acct. We also have two home mortgages with them. So much for customer care. We also have 3 personal credit accts. with them. I will not be happy until my name is not attached to any Chase bank trans-actions.

Chase Bank sent me a notice that they were raising my credit card rate from 11.5% to "prime plus 25%, that's close to, if not over 30%. I tried to ascertain the reason and they said that my account had been as much as 30 days late. That is complete BS. The most the account was late was 5 days because I was on vacation when it came due. The payment was made as soon as I returned home.

I have sent a letter to Mr. Jamie Dimon, president/CEO of Chase informing him that as of January 1,2010, the day the new rate takes effect, my payments on BOTH my cards will cease and that the bank will have to absorb approximately $11,000. I also offered to negotiate with him, or any U.S. member of his staff on the matter. My terms are firm, however, leave the card open and keep the rate at 11.5%. That rate is bordering on usury but at least it's better than 30%.

I would recommend that anyone else who has received such a notice do the same as I have. Since the cards are UNSECURED credit, they can't take anything from you and they certainly aren't going to waste the money to try to sue. It would cost them more in legal fees than they would recover.

As I told them, I'm retired, have been trying to pay the balance down (almost impossible when the majority of a payment goes to interest, am on a fixed income and only have a certain amount of time left on this planet. I'm not worried about my credit record since I seriously doubt that I'll be making any more major purchases in the near future.

I also told Mr. Dimon that if the harassment became too annoying, I'd simply move and leave no forwarding address and change my phone number.

It is time for we the people to stand up and fight back against these thieves.

wamu cards raised my credit card rates up very high one is now 12.24percent the other is now 18.99 percent as they were took over by chase card services this runined my credit and im paying this high intrest on cards i can,t use any moore ihad to close the accounts due to high fees.

I received my credit card statement and I was charge $39.00 late fee, when I called Chase I was told that they couldn't waived the late fee because it is something new that Chase is doing. I explained that I had paid online and their answered was that after 4pm it is considered the next day. I was not aware of this, I have excellent credit and I always pay more that my minimum, they didn't care. I find that their "Customer Service" doesn't exist. You would think that they'll be willing to be more understanding, specially that technically I paid the same day it just that it was after 4p.

I have been a card holder for several years.I have two cards.First they reduced my credit for no reason.and raised the APR.I have alway paid on time and paid more then the amount due.I did not recieve my notice in Sept on one of my cards.They sent me a notice increasing my APR to the max.and reducing my limit.I never recieved a bill for Sept.I never missed a payment.or was late.I see that This has happened to more then one person.I am CLOSING both accounts.I do not want to do business with crooks.

I have had a credit card with Chase for many years and have never been late on a payment. My credit line was $40,000 and I had a $6,000 balance. Chase sent me a balance transfer offer which I decided to take advantage of. I attempted to transfer my two other credit cards which totaled $26,000 over to Chase which would have left me with $8,000 in credit. The next day I tried to use my card and it was declined. I called Chase and they informed me that they denied my balance transfers and also reduced my credit line to $7,500 ($32,500 less than the line I have had for years). In addition the reason I was not able to use my card tonight is because the outstanding balance transfers, even though they were denied.

Not only is this a huge inconvenience but I feel like I have been a victim of a crime. What troubles me most is that they solicited me.

Chase closed my credit card account without notice. The card was previously with wamu. They increased the limit and I am now paying a balance off on a card that, I can no longer use and is affecting my credit.

Rates raised to 13% from 7% without notice before hand and late payment fees although the amount had been payed before the statement was even issued or asked for.

I always send 2 payments $150.00usd each to Chase credit card services. 1 on the 30th and the other on the 15th. Chase raised my APR and minimum payment without notice. Since I was not using the card for the last three months I did not check to see my charges. After all i am sending $300.00usd a month and spending nothing. I recently checked my online statements and to my dismay Chase hit me with a 39usd charge for every payment I made. Essentially they hit me with $78.00usd dollars in late payment fees a month. Sneaky, sneaky!

I have been a faithful customer for years and the current economic situation is not my fault. If anything the low interest rates from the FED (public company read about it) should carry over to us the consumer. The government bailouts are really the tax payers subsidizing bank debt and the banks turn around and slap us in the face every chance they get.

I am taking on a second job to be free of my debt to Chase as soon as possible since it's very notable that they do not care about or want my business.

Words of wisdom for Chase.

You can sheer a sheep many times but skin it only once!