Chase Credit Cards

My husband entered into an agreement to resolve a debt owed to a credit card account over the phone and the payments were set up. The payment date was the same for each month, but the last. My husband was a day late and now they are filing suit. How can they change the date on the last payment? This was done to make sure that the payment was late so that he breached the agreement. This should be against the law.

I would only say, don't get a Chase card. I paid my card on time always. When I paid my card off in full over a month earlier, I then received another bill from them. They said it was my interest from before. What it was only $16, but **. They would not even say oh well for paying your $2,600 Visa balance in full, we can take that off. And that, I'm adding, is from over a month later of paying off my bill. They were rude and I then called back and canceled my card saying I would never use their card service again. They have been nothing but unpleasant to deal with. They are a -20 in my book!

Chase has been applying my additional monthly payments to the lowest interest balance for at least the past four months and possibly longer. The credit card agreement states additional payments will be applied to the higher interest balances first. They say that's the way their system works and the supervisor I spoke with chuckled when he said I wasn't the first case he'd seen with this issue as he began crediting my account for several months back.

I do a lot of online purchasing and there have been lots of extra charges on my account that I refuted because I didn't authorize them. But when I request credit, they tell me they want to shut down my account because I have requested too many requests. Isn't there a law against them singling me out to be vigilant about improper charges and requesting for credit? Why do we have to be treated like this? Please help.

My business account was unilaterally closed by Chase without notification. The way I found out was from a vendor whose automatic payment was rejected. I called and the customer service person can't explain why and escalating the call goes to voice mail that is never returned. Now, on top of that, they stole my rewards points, saying when the account is closed those points are forfeited.

Chase does not care about the fact that I have paid my bill on time every month, usually pay the entire balance and have never been late. Their computerized policy decisions without explanation or appeal are disgraceful and will cost them many good customers. I will take my business where it is appreciated and do all I can to let people know of the poor treatment I received from Chase.

Chase snuck interest charges into my statement. Luckily, this time, I was looking closely at my statement when I was about to pay the credit card statement and noticed it. I was puzzled because I pay the credit card statements on time, except for one month, at which time I forgot and was charged interest and penalty, etc.

I called the customer service and asked for clarification. The representative immediately said he had taken it off without any investigation. I asked for the reason for the interest charge, and the representative took some time investigating. He then came back, saying he thought that it's because they charged me for the annual fee and that triggered an interest charge. So, they charge you a fee, and that triggers an interest charge. I am surprised that it didn't trigger some commissions and an avalanche of other charges.

I'm really considering closing this credit card account. I won't really and don't want to deal with Chase. If you want to withdraw a large sum of money from their bank, their tellers complain that you want decent big notes and threaten not to allow it the next time. So you ask for a cashier check instead to be made out to you, yourself. And they want to charge you $8 to take your own money out from your own account. They are a ripoff! And watch out for them siphoning your money from your account with charges. That's how they "safeguard" your money as a bank!

I was misled into signing up for Chase/Southwest Rapid Rewards credit card. The promotion was to include one free ticket upon signing up with the card and an additional 20,000 miles on the first transaction. Not only have I not received either, but they have not even counted all the money I've spent in points (26,000) over the past year. Each time I called and spoke to various supervisors, they were all very friendly and assured me they would get back to me in two business days. I have yet to hear from anyone. It's been over a month now!

I had three credit card accounts with Chase Bank. Two were Mastercard accounts and one was a Visa account. The Mastercard accounts were cancelled because the balances were eating me alive. I kept the Visa account. This account was closed even though I have made monthly payments ahead of the due date. I have never been late or missed a payment. I am on a fixed income do to disability issue. Trying to pay everything in cash is a real burden. Just to keep a roof over my head takes up two thirds of my check, leaving me to make a choice to pay for medicine as I have diabetes, or food to maintain my control on this disease. I need one credit card to survive.

I had card for years and then interest went up to 30 something percent. I went with Debt Wave and paid off the account. The last payment was for $3415.00. Debt Wave let me know today I had a credit of $31.19 with Chase. If I had not received it, to call Chase. Big mistake! They say I have residual interest that will be counted on the 17th of this month. So can you say they will get that $31.19! Chase Credit Card used to be a great card, I don't know what happened to them. Yes I do, greed! Looks like to me if you work hard to pay off your account, they would at least send you what money is yours. However, they just want to keep all of it. Do not get this card unless you want to pay through the nose the rest of your life! By the way, hire someone who speaks English in customer service.

I have two credit cards from Chase, Toys R Us and Amazon, and they ripped me off in both of them. In Amazon credit card, someone in another state hacked my account and used my card. I contacted Amazon. They sent me the new credit card but after a few days, they sent me the bill with some interest on the amount that I have not used. They said I have to pay that amount and kept sending me the bills. And in Toys R Us, they have never sent me any bill, any statement and suddenly, I get the letter from the collection agency that my case has been sent for the bad debt as I didn't pay the bill. Such a rip off!

I closed my Chase United Miles Card in 2008. The interest rates were too high (in the high 20s), and I had to close the account to bring the interest rate down to a manageable level, 6%. I paid the account every month as required, following the close of the account. In October 2010, I received a call from Chase that my payments stopped. We had an auto pay sent on the account that created a missed payment, as we moved across the country to relocate from PA to CO state. I immediately set up a new account from my bank account to auto pay this card with the customer service rep. The card has since been paid on time every month thereafter.

Over 1 year later, I called Chase, asking them to please remove this 30-day late payment mark with no success. I'm attempting to purchase a home, and this one mark has impacted my score by 34 points according the the credit expert working with my loan officer. Chase is unwilling to help me. Please help. I would hate for this to happen to someone else.

I have been with Chase for over 6 years and had three accounts with them and two credit cards. In the last year, they have put fees on everything. I decided it was such a ripoff. I couldn't afford to keep my accounts open with them. The real problem is I have always made my credit card payments on time and I guess I made a payment 30 minutes too late. They charged me a $30 late fee.

I was not aware that I made the payment too late (due to the fact I had made it on the day it was due). When I called to ask why I was charged a late fee, they were rude and told me the problem. Since this was the first time I had ever made a late payment and I did try to pay it on the date it was due, I thought they should cut me a break.

First, they would not reverse the charges. Second, they would not let me talk to a manager. And third, they gave me some address to Chase headquarters that they told me I could mail my concern to. This was the worst customer service I have ever dealt with! The next day, I closed all my accounts. It is wrong to treat your loyal customers this way. I will never use them again and hope no one else does either.

I needed a VISA with a decent credit limit as the specialist I am seeing doesn't accept American Express which has been my card of choice for years. Also, I was looking for a card that would allow me to perform a balance transfer so I would only have one bill to pay each month. I decided to go with the Amazon VISA through Chase because I am a die hard fan of Amazon and their customer service.

I applied for the card and was approved instantly. I then called to inquire about a credit increase. Much to my surprise, I was immediately connected with a live person. I talked to a total of 3 very friendly and helpful people. I got my credit increased to $6,500.00 and was told that when I received the card I just need to call 1-888-291-5079 to get the ball rolling on my balance transfer.

Well, I called today and to my delight I was immediately talking to a live person. When I asked to set up the balance transfer I was told that I can't as there are no offers on my account. When I explained the situation, I was transferred to her supervisor who was very polite and tried to assist me. However, I was again told that I could not do a balance transfer without an offer on my account even though this was the premise for my credit increase in the first place. So now I am left upset with the fact that I was lied to when I applied for the card. I had my credit checked multiple times and my time wasted. I just can't comprehend why they would lie to a first time customer. Now, I need to deal with multiple bills.

I am a poor college student going to school full time and working full time. I am trying the best I can do to pay off my tuition bill by April 26, which is my deadline, in order to receive my degree. Here I am sitting on the eve of midterms with a 40-minute commute that I won't be able to make on the day of midterms, because Chase Auto decided to be sneaky ** and take my car at 2 am. How in the world do they want me to graduate and get a job if I can't make it to school? Are they complete idiots? I have tried to work something out with them, calling the legal team and the ** behind the counter. She promised me 24 hours in advance and personally I was not given that time that was promised to me.

I don't care what she decided to do. Who's to say how she lives her life nasty **? I am sorry if this is too obscene. I am just a little infuriated right about now. I can't do anything about the issue right now. I have filled out more applications for loans. Let's see if I get them.

Chase, I will never do business with you again and you can take my business with you and shove it up your **. 1-888-519-6694 is the number. Don't forget the extension and name (**). Do not do business with this woman. I have contacted local officials and the president of both the USA and of the company. No attorney to contact (unless it's pro bono work).

I have been a loyal customer to Chase more than 10 years. I went over my limit by approximately $1000.00 for 4 months (not consecutive). They closed my account. I have not missed a payment. This has negatively impacted my credit report. I called them and they offered to reopen the account. However, this will not change the impact on my credit scoring.

Last year, my wife and I both applied for Southwest.com Rapid Rewards Credit cards through Chase. The reason we applied was that they promised 1 round trip flight for each of us with our first purchase. They failed to let us know that it would be a long time before we received them. We received our cards and made our purchases, planning to use our free flights for a summer vacation.

Well, by the time we reserved our flights, we were still waiting on our rewards to appear, but had to book without them. We were disappointed and called to let them know. During that conversation, we clearly asked them about the expiration of those rewards, because we wanted to use them for a summer vacation the following year (2012). They assured us that as long as we booked before the rewards expired, we could travel any time in 2012.

Today, we tried to book our travel through Southwest today and we were told that since the rewards expire in April and June respectively, we won't be able to use either one for our travel! I called to discuss this with Chase and the gentleman was very nice. He asked me how much the flights would total and I said the two flights from Las Vegas to Washington, D.C. would be just under $1,000. He said that all we would need to do is book the flights and call back, and Chase would be happy to credit us the full amount to compensate us for what should have been two free round trip tickets to anywhere in the US. I asked him to be sure and he assured me that everything was in the notes and we just go ahead. So I did. Now Chase is refusing to credit my account.

I am sending this message due to improper professional services of your corporation because of an ongoing situation regarding my Chase MasterCard! As of February 16, 2011, I have not been able to use my MasterCard due to what your department called suspicious activity that someone other than myself ordered a new MasterCard under my name. But my card was never lost or stolen. I went to a store to purchase something and the transaction said invalid or declined to that effect, so I thought it was just the system or that the card was getting old and worn due to years of usage. The next day I go to another store to buy something and the same thing happened. They claim that someone from San Jose, California ordered a system called e-fax, which to a non-technology person, I do not know what that is at all and your company labeled it as suspicious activity!

A representative of your company did call and left a priority message stating there's a problem with my account be it was too late to rectify the situation before the account was closed! I spoke with one of your representatives on February 18, 2012, and she assured me that a new card would be mailed out in 5-7 business days, even though I did not lose or the original card, to clear of any wrongdoing. I unfortunately agreed to this process and figured to have it by the last day of February! I understood that it was a holiday on February 20th and that weekends do not count as normal business days! So I was very patient in waiting for it! I did not receive anything in the mail or e-mail or phone call since that day. So on March 1st I called your company again and inquired about my new card's whereabouts and this representative told me that I should not have been able to use that card since October 2009. The representative said it was cancelled then and they do not know how the card was able to be in usage for 2 and a half years!

This representative also indicated that a new card was never authorized to be mailed out, so they said that they would go ahead and authorize a new card be sent out and put into expedite mailing though FedEx and a $5.00 card would be subtracted from the account that I am not able to use or check my finances at all! I agreed to this and they said it would be delivered sometime today! Now, today I stayed home on purpose. I am single so I have no one else to sign for a priority package. I wait all day--no package delivery. So I called again at 4:00 pm this afternoon and another representative tells me that a new card was never authorized to be mailed out and that the original card was just closed on March 1, 2012 and that the card was still open since February 16, 2012. how is this possible!

I am trying to be understand your corporation, but I am extremely perturbed at this lack of professionalism by 3 different representatives giving me 3 different bogus reasons why my card was deactivated and now one is able to give me a reason why this has transpired at all! This situation is affecting my well-being on a business front as well as my normal day to day activities. I am a disabled person that is unemployed and need those unemployment benefits that I am not able to even check my finances since the original was disabled. Now, I have no injection of capital coming in to pay bills, rent, food, etc. Honestly, if it was not for the card being used for unemployment benefits being transferred into the account, I would tell to cancel the card in an unprofessional way.

I feel I am getting a run around on this situation and something funny seems to be going on that I am not being told about. Look, all and all I just want a card to use ASAP and I hope I am not charged a second time for expedite mail that is never sent out. What's the point of being charged without no delivery? I hope that my voice is being heard by someone in your corporation and that this is resolved ASAP! If I do not have a card by March 15, 2012, further action will be taken into accordance against your company! Thank you for your time and attention on this very unfortunate situation!

Around June 2008, I entered into an agreement with Chase Bank (USA) to resolve debt owed to credit card account number ** and payments were scheduled from automatic payment. The payments came out of account but Chase Bank failed to take the last payment in October 2008 and, as a result, sold claim to Unifund CCR Partners who has filed suit against me. I attempted to resolve the matter with Chase Bank with no success and request your intervention.

I signed up my credit card with 0% for 18 months and 5.99% variable after that. I have not been late a single time on any cards (not even outside of the Chase), still my interest rate was jacked up to 27%. Apparently, one payment was returned because of insufficient funds due to an issue with the bank that owns my checking account, but I ended up making the payment in time. First rate hike was from 6% to 13% with no reason! Then, due to one insufficient funds notice, they jacked up the interest rate to 27%. I ended up paying $2,000 in interest rate over 2011. I need to get all the interest and legal fees associated with the claim!

I have disputed a charge from a vendor. They took it off and then recharged my account after I had closed the account. When I tried to talk to someone in the dispute department, I was disconnected and they never called back. I have faxed details of my dispute (four times) stating the vendor will drop the charges but they still will not contact me. I will not be paying these charges in any way, shape or form and don't want my credit rating damaged.

Chase bank is not properly applying credit card payments as dictated in Card Act of 2009.

For at least 2 to 3 years my interest rate is a shocking 29.99%, which, at this rate and the amount of take home pay I make, will take me over 10 years to pay off. Knowing how much I make, which has not changed in almost 10 years, Chase has continued to raise my rate although my payments have been on time. I have asked them a number of times to please review my interest rate to no avail. I am basically living just to pay them now. Moreover, knowing how little I make, they have continually sent me offers to raise my credit by thousands of dollars! Why would they do this if they know my yearly income? Help!

On October 2011, I made a travel reservation on the web and bought round tickets to go to Caracas for a wedding; flying from Miami. Since I live in NY, I left a day before to start my trip on Nov. 2, 2011. My nightmare started when I got to airport and TACA airlines informed that my reservation to Caracas had being canceled by my credit card. At that point, I called Chase and reported the incident, but they were unable to help me. Because of all this, I had no other choice but to buy new tickets with a different airline. As is known, buying traveling tickets right at airport is very expensive, it cost me $1,414. My previous tickets were $586.00. According to TACA airline, Chase did not validated my transaction, so I hold them responsible and would like Chase to refund me the amount of $828.00.

I received my credit card statement and at the bottom of the statement it shows that I am paying interest on a balance that is much higher than my actual balance noted on the statement. When I called to inform them of the mistake, they made excuses that made no sense. In the end, they would not correct the error. I feel they are cheating me out of money due to the fact that I am paying them off.

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 address—yes, 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!