Chase Credit Cards Reviews

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 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.

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

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.

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!

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.

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 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!

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 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.

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.

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.

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.

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.

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.

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?

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

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).

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!

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 everything 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. This has caused an increase in what I pay every month on my mortgage. I can not get a loan on my home to lower the interest rate. I can not get a decent interest rate on a new car. I have paid all my bills which you could see from my credit report, but Chase is messing it up.

I then called back on June 13 and after listening to 3 different people, told 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 **) 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 **'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 am a normal working person not some big shot who makes 6 figures... that over payment was a mistake and I need that money to pay other bills. This has put me in a financial bind for 3 months now and I haven't gotten anywhere with my phone calls.

I received a letter from Chase card member services on 6/7/11 (also attached, please see) which states that this above-mentioned payment was returned. I called Chase Credit Services on 6/14/11 and spoke with Josh **, a supervisor/manager, and 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 in 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, it had been made by an old checking account that I had with 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 online to make payments, all I see is the current account, 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 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 that 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 and am very much in the need of it. They are hassling me purposely so that I would discontinue to use it to my full benefit. Being fraudulent and scheming in their business practices, this is causing pain, suffering and much stress.

I am a single mom of two teenagers 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 with 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, I would 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 unnecessary 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 my usage and I want to know what I can do to also sue them for discrimination and abuse.

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.

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.

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.

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 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!

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.

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.

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.

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.

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.

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 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.

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 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.

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.

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 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.

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?

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.

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!

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.

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.

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.

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 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.

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.

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?

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.

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.

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 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.

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.

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.

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!

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.

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 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!

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 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.

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.

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 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!

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.

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.

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.

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 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.

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.

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

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.

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.

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.

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 recovering—the banks have taken the money off of the table.

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.

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.

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.

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.

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.

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.

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.

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.

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.