Complain about a product or service

Chase Credit Cards

Shantel of Salt Lake City, UT November 18, 2009

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.

steven of columbus, OH November 18, 2009

Like the stories above I had 2 Wamu credit cards and a Chase card all in good standings UNTIL May of 2009 ! CHASE Raised my intrest rate and then soon later CLOSED my Wamu credit cards. WOW it took me 3 months to pay the 5,000 balance off the 2 cards. I called and asked CHASE why they have closed my CHASE credit card? there reply was that I have been in good standing with them for 5 years. I replied that I have been in good standing with the other 2 credit cards for 10 years.

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.

Robert of Dothan, AL November 18, 2009

Chase doubled the interest rate on my credit card due solely to 'economic conditions' as described by the customer service representative I spoke with. I told her that I never received the letter and she said 'that is not going to fly' and what they did was perfectly legal. I told her it may be legal but disreputable business practice and a class action lawsuit may prove me correct.

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.

Dorothy of Commerce CIty, CO November 18, 2009

I, like a lot of people had a WaMu credit card, and I was more than pleased with it! Then Chase took over and it went down hill in a matter of four months. First Chase notified me of an increase in my interest rate. Then two months later, another rate increase! I've never been late with ANY of my accounts!

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!

PJ of Washington, PA November 17, 2009

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.

Susan of Elgin, IL November 17, 2009

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.

Sandra of La Mesa, CA November 17, 2009

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.

Randy of West Liberty, IA November 17, 2009

I have had cards with Chase for over 4 years without any issues. I have an excellent credit rating and have never been late with a payment. Within the past two months two of my cards have gone from 4.24% to 11.24% and 7.9 to 13.9. I was outraged, this is what you get for being on time with your payments. If anything they should be lowering my payments.

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.

Robert of Rowlett, TX November 17, 2009

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.

Carol of Milford, MI November 17, 2009

Refused Credit Card. My credit is too good! Expenses would exceed revenue.

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