Chase Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The following month, I found out my check was returned due to an account number error. They charged me an additional $40 as well as a $15 late fee. They removed the last late fee and I paid the rest over the phone. In total, I paid about $100 in fees due to a payment that was 2 days late in January. Also, they closed my account with a balance still on it, which my credit does not need. I just received a bill for $1.50 interest despite the fact that my account is closed and I paid all the fees they wanted me to pay. This is ridiculous. Economic damage: $100 and hurt my credit score. I'm most upset about my credit being hurt from this transaction.

I will give them a few more days to credit my account with final payment but may have to cancel my check and send another via internet or another through mail (certified). This is not the first time a final payment of a credit card has been late, however I cannot say the last time it happened it was with Chase, I don't remember. I have opted to cancel all credit cards as I have developed a huge distrust for every last one of them. I will only be dealing with prepaid credit cards from here on out.

Now the most recent issue I had with them is one of my accounts was -112 all from overdrafts I felt I shouldn't have to pay for ($10 in purchased $100 in fees). They took out all the money I had in my other account to put in the other account to then turn my account that was positive negative so they can charge me 3 more overdraft fees. I'm beyond irate with this bank. I'm disgusted with their employees who never seem to be able to do anything and with the bank's system that forces accounts to overdraft.

I was encouraged by a Chase Credit Card representative to use the card on a more revolving basis so that my interest rate would stay relatively low. During Christmas time, I accidentally went over the limit by $6.39. When I realized my error, I made a non-scheduled payment of $100.00. I had never been late or gone over the limit the entire time I had the card. I had always payed over the minimum as well.Yet Chase saw it fit to charge me the fee and to raise my interest rate to 23.99%.

The only options that was given to me was to pay that rate for at least 6 months and then they might evaluate me to see if I was worthy of a rate reduction or to close the card. I was given to a supervisor (which I highly doubt was the case) and was told the same thing. I chose to close the account. Not only am I closing the credit card, but I am closing my other accounts, including my investment accounts with Chase. For $6.39 and over 17 years of loyal patronage to this company, this is the treatment I get. They don't get to keep my business.

I will have a dent on my credit scores due to having to close the credit account. This will also make it hard for another creditor to lend me money so that I may pay Chase off and make my payments easier to manage.

Original Review: March 14, 2010

In mid-September 2009, Chase sent me a flyer with my monthly mortgage statement, offering to re-finance my mortgage from my current rate of 6.5% to 4.75%. After finding out more details, I paid Chase $750.00 to refinance my loan. My credit score was over 800. Over 4 months later, after no re-finance occurred and the rate-lock and the paperwork had all expired, I asked for a refund of the $750. To this day, I have not heard any apology or explanation of where my money went and I am unable to get my money back.

I have e-mailed Ms. Sheryl L and Ms. Nadine M numerous times, both before and after the paperwork and rate-lock expired, asking for an explanation. I have since begun the re-finance process with another company. As far as I am concerned, Chase committed a fraud and a theft. I paid them $750 and received nothing in return.

I told them that this is unfair and that I will report them because this is illegal all they could say is "Sorry you feel that way". I told them to cancel my account and that I refuse to pay the balance at the higher interest rate. I have been unemployed since 1/2009 and still can't find work and we are barely making ends meet and this rate hike will be over the top. Does anyone know who else I can call/contact to get this reported and hopefully resolved?

Due to this rate hike our minimum payment has gone up, I have been unemployed since 1/2009 and barely making ends meet, I cannot afford to pay an additional 5% interest on charges which we agreed to pay 10.24%, now this will hurt me financially and credit wise.

I immediately called thinking there must have been a mistake since I had not received an statement for March. No mistake. I somehow owed $2.58. The customer service rep was no help. She said there was nothing she could do and balked when I insisted it was not good customer service to charge people an interest charge on a zero balance. She insisted the charge was legitimate and there was nothing she could do. I asked to speak to the supervisor who told me the same thing. At this point I was upset. Even if I paid the $2.58, what would stop them from charging me interest on the $2.58? I told the supervisor that I was not comfortable doing business with Chase any longer if they were not willing to remove the charge.

I don't know how this guy ever became a supervisor because he was rudder than the first person I spoke to and he was totally incompetent. He actually said he was sorry I felt that way! Are you kidding me? This idiot was willing to lose a customer over $2.00! I told him I would pay the $2.58 over the phone and I wanted to cancel my account. He transferred me to an automated system but I was transferred to a person when I didn't put in my account # quick enough.

Imagine my surprise when as I was giving this new guy my information, he offered to remove the charge! I didn't even ask or start whining about my experience. He offered all on his own. I quickly told him a short version of the story and asked why I was just told something different and he had no idea. He seemed shocked that the supervisor would not remove the charge for me. After talking for a minute, I thanked him for removing the charge and got off the phone. I was so angry about my experience I called back a few minutes later with the intention of leaving a formal complaint.

I spoke to another person who after hearing the story apologized several times and offered to reopen the card so I could redeem some stupid points. He was nice enough but I doubt he forwarded my complaint to anyone since they don't have a complaint department. I'm still in shock over the whole situation. What a bunch of crooks! I will be taking my stand by boycotting this horrible corporation and I encourage others to do the same. Shame on you Chase!

Maybe I'm from another planet but I assume when you pay your bill in full by the due date that the balance would be $0! This is not the way Chase sees it. They charged my account $74.77 in interest charges. When I called them for an explanation, their response was "when the bill was printed on 2/5/2010 this is what the amount due was".

When they received the payment, even though it was received by the due date, there was interest charges accrued daily till the payment was received. What an unscrupulous way of doing business! I think it is immoral and misleading what they bill us. How do they expect us to pay what is due the minute the bill is printed? It's just another way for them to squeeze out every last penny from their customers. Even the customers who pay off their bill!

We are the ones that are trying to keep this country's economy going and to keep banks like Chase from needing a bailout from the government (which come from our pockets again). I am going to cancel my credit card and never do business with them again. I will also file a complaint with the Federal Trade Commission. It's just wrong the way they mislead the consumer! Chase collected an additional $74.77 in interest charges from my pocket after I paid off the balance.

These people are just getting people to pay $750 for the loan application and pay for appraisals as a way of making money and they never intend to refi. Thinking about it now, why would they? They have now wasted five months of my time and they are still going to get the money for the higher interest rate in the end. This must be stopped. I run my company and this has been such a waste of my valuable time but Chase won again. They prolonged my refinance package for five months and prevented me from going with other banks to refi. Now, the rates have gone back up. Chase is scamming people and they must be stopped. My story reads like everyone else on this site, almost identical.

Has my identity information been compromised? This company sends so many opportunities for a credit card, to which I have not responded. Although, I attempt to shred all of this type of mail, could someone have gotten a hold of one and opened a credit card? There is no telephone number of the two papers I have received with which to contact Deb W., Executive Vice President, Customer Experience.

The guy who did this didn't even seem apologetic. He just tried to talk me into keeping it, saying how it was better than the card I have now. I was livid. I didn't want another card, and I worried it would lower my credit score. I will have paid off my Chase credit card by next month, and then, I'm getting out of there. I hate them so much. I recommend watching everything Chase does and reading everything they send you about your card and accounts (even the fine print), since they are betting most people don't read this information.

I don't understand this! Do they not want good customers who pay their bills on time? Or does the term "good customer" mean something different to them? I just hope that their actions are not detrimental to my 732 credit score. I don't know yet. It depends if their actions hurt my credit score. I would call that definite economic damage.

So apparently with Chase, they want you to have lots of cards with them, make only small purchases and your limit means nothing cause if you are close to it (not over it) they will close your account! So I spent money with them, always paid my bill and still got cheated! I will make sure everyone I know doesn't open accounts with Chase! Not even a notice was sent to tell me that they had a problem with my account. I will assume this was because all the reasons I was given are absurd. I followed everything in their contract.

The representative wanted me to wait until the final bill came in but I simply wanted it taken care of. After what I went through with this late fee, even though I sent the payment in two weeks early and I think they're sticking it to me, I wanted to make sure the payment was processed so I wanted a live person to do it and give me a confirmation number.

What did they do? They simply informed me that I would be charged an additional $14.99 for paying via phone with a customer service representative. I contacted the BBB. Please do the same so they do get investigated and perhaps put on notice so they don't scam other people!

This caused aggravation and I've had a migraine headache ever since dealing with these people. The late fee is going to tarnish my credit report.

They basically told me it was my own fault for mailing it. I should have done it electronically via phone or email. Well, mail has worked for over five years before! I told them it was impossible for a check to mysteriously appear a month after it was mailed but they kept telling me over and over, "It's done by machine the day it arrives. It's done by machine the day it arrives." So no human ever possesses the check? A machine goes to the PO Box, a machine opens the letter, a machine takes it to the bank?

Really? I demanded proof that it arrived when it did. I have proof by the order of my checks and the other checks that cleared, that I wrote and mailed it on the 5th. I wanted evidence by way of the date stamp on the envelope I mailed it to prove it came in when it did. They told me the date it was processed is proof enough. There's something wrong with this whole situation and I'm going to the Better Business Bureau.

We also would like to have the charge of $60 for our safe deposit box reversed. We were granted a free safe deposit box by Stephanie ** when we signed up for a new checking account in the future and that she would reverse the fee if we are still charged for it. She said that we do not need to put it in writing. I trusted her. Now, she claims that she did not know anything about it.

Chase only was willing to reduce the total amount by $70; however, we feel that they illegally removed the the overdraft feature. They must reverse the total fee of $294 and reinstate the overdraft protection which we had initially signed up for.

Mind you, I worked on paying the card down, but Chase billed $70.00 in fees to my account. I called Customer Service and got a representative on the phone (Dominique) who advised me that there is nothing that can be done and no matter who I speak with (this is after I asked for a Supervisor) the fee will not be able to be taken off.

So I made a significant payment in which Chase got $70.00 of my money toward fees. Thank you Chase for being so understanding of the working adult!

Chase needs to be shut down by the government! This is downright theft over the working class. Let's not forget not so long ago when Chase begged the Federal Government for bailout money! Where did all those millions come from? Answer: The working middle class! Know the working and tax paying middle class takes the hit from Chase. It's dead wrong!

Three months later, I received a letter from Chase that was to be effective 3 weeks before I received the letter. What was notable is that (1) the account had been closed for 3 months and (2) there was no contact phone number, contact address and name – absolutely, no way to respond to the letter. The recommendation was "Call the number on the back of your card," which I don't have because I closed the account and cut up the card.

I went online to both TJX and Chase. Amidst all the proclamations of so easy to contact, there were phone numbers and e-mails for everything except a non-business credit card. I knew that from prior experiences. In the past, my husband and I have diligently closed any accounts we may have unwittingly gotten that were actually Chase cards. Chase does not close the cards though they tell you that they are closed. We have even received letters confirming that the cards are closed. Then we will receive mail regarding our accounts ending in XXXX.

The closed accounts routinely show up on our annual credit report. To actually close a Chase account generally takes lots and lots of detective work and at least 5 contacts via phone, letter, whatever.

For 40 years I had perfect credit, but they have completely destroyed it. It will be charged off at the end of this month and they still refuse to lower the payments and insist on not only the tripled payment but the tripled payment times the months delinquent plus the added higher interest and late fees to get it current. This is discrimination and it is forcing me to file bankruptcy. It isn't an option right now because all lawyers want at least $1,300 upfront before they will lift a finger to do anything. The filing fee is $299.

I could complain to the OCC, but this is their fault. They are the ones who encouraged the credit card companies to raise the minimum payments to help us pay our balance down faster. Exactly how does not being able to make the payment help you to pay your debts down faster. Their salaries are so bloated that they are completely out of touch with reality. Maybe these fat cats need to have their house and car payments tripled, and told that it is not negotiable, so they can see how fun it is.

I don't dare pay my other credit card companies anything if I file because they will have to pay it back to the bankruptcy court since it will be seen as an illegal preference. Never in my entire life have I ever missed or been late on a payment until Chase pulled this crap just because they could. The collections people won't take any lower payment than the ridiculous 5% payment. They would rather get nothing than accept a lower payment even after it is caught up. They have not only ruined 40 years of perfect credit history but my entire life.

I subsequently paid off the amount, they told me that very same day hoping to rid myself of this card. Few weeks later, they send me another bill owing more. On my statement it showed that I paid the balance off on 1/27 showing no use of the card following that date. Last purchase was made more than 4 days before. I called, and the customer service person states that the transaction was not processed until after my balance was paid off, so I owe more. Seriously? It takes this bank more than 4 days to process a transaction? I'm just very annoyed at Chase and would never, never use another credit card from them again. Hello American Express! Unwavering and disloyal to good customers. I hope this message will steer people away from Chase!

It is February. I couldn’t pay both my credit card and my heat so I don’t have any more or cooking or hot water, but they are getting their money! I work two jobs to catch up. I begged them to be kind. I asked to speak to a supervisor. He too I could not understand and told me the same thing that they refused to help me. This is what we get for bailing out the banks so these robot uncaring people could keep their jobs. I have never done this before and I don’t want to stop here help!

She said she has to mark my file either that I intend to pay or I do not. I said I do want to pay but right now I have to choose between paying debtor or food and shelter. I told her as soon as the economy comes back, I will pay. She asked if I can borrow money from another line of credit to pay her company. I asked why I would borrow anything if I can pay anything. She said that because this debt is late. I need to pay her and then maybe try to move the debt around until the economy comes back. Then when I asked how often her company has been calling me, she transferred her boss on the line. He said, "Ms. L, this is Mr. L." (Funny, Jennifer and Mr. L kind of like my name, huh?) He told me in a patronizing tone of non concern, "You have an agreement and you need to get your priorities straight."

I thought what happened to the conversation I just had were I said I am hardly able to pay for food and a place to live and have exhausted all resources and do not plan to borrow more money to pay 60% fees and penalty on a 40% principal. "What?" I asked if he heard any of the conversation and he just started talking over me and so I did the same until I called him an *** and few other things. And I am right. He is an ***. Matt *** is his name supposedly. He said he is going to show for the record that I do not intend to pay after I said I do but just do not have the money. He said that since I called him names, it is clear I have no intent to pay.

Damage? I am screwed. This is just one of many debts I cannot pay. This is just harassment. Something needs to be done for the people, starting with companies such as this one would be nice. Everyone who has lost their job everyone who cannot afford to live, this is not just about me. Someone has to bail out the public. Help! Help! Help! We are drowning, all of us. This is class war fair. People cannot pay and they are the machine that has always worked hard to make these *** wealthy and now the *** want to jerk us around even more. The world cannot pay enough to right these wrongs. We need to shut down evil companies and socialize the majority of our services in lending, medical and education. Since that will never happen, we will all crumble.

Secondly, when I pay on line, they refuse to correct the spelling of my name, even though I have called, written and phone so many times I have given up calling. The name they use at the website is not the same name on my credit cards which is correct on the cards. We have obtained a home equity line of credit for $250,000.00 in 2006 than they reduce it in 2009 to $171,00.00 than within 4 months in 2009, they cancelled the $171,000.00 leaving us nothing to finish the jobs we started in our home.

If we had been dead beats, I could see them doing that to us but we were law abiding citizens being ripped off by the banks, as they gave out fraudulent loans to people that were no more worthy of the loans than a thief. Now all of a sudden, they are going to close the doors on even the good people who paid their bills monthly, never abusing their credit with any bank. We even have high credit scores to defend our position. High 700's and low 800's. Does that say something? This line of credit was a binding contract yet, they without notice just took it all away with no questions asked. Where were our rights?

I feel that Chase has never fulfilled their fiduciary dues to us as customers of their service. They blatantly refuse to correct errors that they made on my accounts even after they had been notified on numerous occasions. I have also been informed that the Chase online internet service is handled by the people of India when paying for your bills.

The consequences of what they have perpetrated on us is a home that have rooms that have not been completely remodeled, so part of the home is up to date in the (21st century) and part of it is in the 1960's. If we had known that the banks were going to break our contract with the stroke of a pin, we would not have done anything to update our home. We would have let it deteriorate, but since we were born with pride and respect for our property things have to be updated every 20 years or so. It is the American Way of Life to keep things, clean updated for our future and our own neighborhoods, so they do not become down trodden. If you want to live in a 3rd World than you don't have that privilege as we do in America. But, as I write this I realize we are even losing our rights as citizens to do the most basic things to our homes, because the banks have us by the throat, so as to deny us that right. Or put it another way; this Country is heading South to know where; as it is being morphed into a third world socialist country.

The banks were so willing to throw our money away to people who could no longer afford a house payment for not even one month, and they were living better than us who did the right things all of our lives and than have the banks come down and smash us once so that we can't continue the final fix on the house was an insult to our well being as citizens of America. We are losing our own Country and the principals we stand for by the mishandling of our financial institutions by the biggest thieves in America's history.

I am sure Chase recovered all their money when Secretary Treasury, Paulson gave the banks back billions of dollars. He rewarded them for their evil ways. How corrupt and shameful some members of congress have become. I have nothing more to say because the destruction of this Country seems to be out of the hands of the voters.

Now I must have cash on hand to pay for (3) home insurance policies and car insurance by cash or check. Now that this is stupid of them and their interest rate is 50% of the minimum payment. As we, the tax payers bailed them out why so much interest on there cards as if I wanted black market interest. I could have gotten that from the loan sharks. To me, this is outrageous for them to do this as they say I am a valued customer of theirs as most accounts have been active over 10-15 years. Now they pull this.

As they say, it's all due to the new government regulations what has changed so much in the last year as they are as bad as BOA they rob the Seniors but they say, it is normal all credit limits are being cut to as low as possible even if you pay monthly on time or before it's due as this is a dirty little trick of theirs . No way that people on low or limited incomes can afford this and it's got to change. Somehow they give you a high credit line then cut it way too much. As most cards had over a $ 10,000.00 limit and now down to a little over $2000.00 now. As we use them for Doctor visits and medications we need monthly and for insurance to keep it current as there are no options but a one time payment in Florida as it has to be paid in full same with Taxes and License for an automobile.

As they think you should file bankruptcy and then your credit is done for 7 years. This way, they get to write in the red again and get government money to run on just to pay their top people super big bonuses at the end of the year. So the Fat Cats at the top can live above their means. This is all due to the government and tax payers dollars bailing them out of the whole when they went under and wrote in the red?

This hurts as we pay for medicine on credit cards as for the Doctors. Then home insurance car licenses and taxes, so we can get a small discount on these as most don't have payments on them. But we need to see our doctor every 3 months and get 90 day supply of medications this way, so we can save money to pay off these blood suckers. They don't care about the small people but we pay our bills on time every month. As they used tax payers money to get back on there feet.

Not only did they cancel my card but all my reward points. I lost 44,777 points. They told me they are gone and there is nothing I can do about it. I cannot redeem them after the card is canceled by them or me. I have been saving these points up for many years (ever since the card was Providian). It does not seem fair, at least give me my reward points. Can they cancel without any form of notice? They can keep the cards if this is how they treat good customers, I do not want them. They did not have to keep my points as well. I will be closing the checking account I have with Chase. They lost a good customer.

Out of about 15, we received 1 receipt. Now over a year later, Chase and Citi are calling him trying to collect the remainder or all of the old bill. He told them that it had been taken care of and the first question they asked him was do you have a receipt? Now this really sounds like a scam to me between the collection people and the credit card companies. Believe me, he knows he was in the wrong, but what about what they are doing? If we as American citizens tried to do this and scam people we would have the law after us and more than likely have felonies. And yet they get away with this over and over again. Why?

There are a lot of results happening because of this. My son graduates in May. He needs to concentrate on his schooling and work to keep up with his bills, not thinking about this once again. He was moving forward and now I am sure he feels like he is moving backwards once again. He will have all his school loans come due as soon as he graduates so we really need help to make this all stop so he does not fail. Please if anyone can help, please do so. There is no more money to be had. We are already have liens, all he has is his car which he is still paying for so our only choice in this matter is to tell him to file bankruptcy if we cannot get this matter resolved. I do not know what to do. We did what we thought was right instead of having him file bankruptcy the first time, but now we will have no choice.

Then in February when our statement arrives, the company has us at that higher rate which is approximately 19%. So I tried 3 times calling in and finally reached a representative. He looked at our account and told me over the phone, "Looks like someone did not put it in correctly. Let me get you to a supervisor." Okay.

After a long wait, I finally reached this person. He told me we missed the cut-off date by 1 day. I said what I was told that we had till January 1. "No," he said, "Until December 13, and you did this on Dec 14." I have written in my statement that I called December 9. What is this? another scam to get a higher rate? So you are telling me my account is closed but at a higher rate?

I got nowhere on this issue. As God is my witness, I will work to get this paid, and they have lost us for life. Word to the wise, any new person seeking a charge card company, stay away from Chase.

Then she said, in what I perceived as a very condescending tone, "If there is nothing else I can do for you then have a nice day." Then she promptly hung up on me without transferring me to a supervisor. This called was placed on February 26, 2010 at approximately 8:55 a.m. Thank you for your attention to this matter. A threat was made to report me to the credit bureau so it would effect my credit.

I spoke with 4 different people and was told that the only thing they could do was close the account and I could apply to open a 'new' account, with a higher interest rate no doubt, if my payment was too high. Unbelievable! Absolutely unwilling to help! Closing an account negatively affects your credit score, as does opening a new account. All I wanted to do was reduce the minimum payment a bit to make it more affordable. I also have a business account with them and it only requires 2% of balance as minimum payment. I will be closing both accounts as soon as they are paid off.

I have never dealt with a credit card company so unwilling to help its customers. Most will do anything to make sure you can pay them. They just raised the minimum payment so I would have the balance with the low interest rate paid off quicker and they could raise the rate to a higher one. Its extremely difficult to pay such high minimum payment.

Or so I thought, I also had signed up for paperless billing and automatic payments on this account, which I never had any problems with. I've never spent too much time looking at this account, my fault I realize, because I used it once to transfer balances, set up automatic payments and went on with my life. I am never late and again, it's paid on time through Chase's auto pay program.

In February 2010, I went to the website to look at my balance to see what it was. I'm getting a tax refund and want to pay at least one card off. I looked at my statement and noticed that my interest rate which now was 13% and variable and my account was still open. I have received several of these "opt out" rate increase letters and have opted out of all of them, including Chase. Up until this point, I have never had a problem. I called Chase to tell them that there was a mistake, that I had sent back my "opt out" information and that apparently, it had been missed by Chase and I asked that someone close my account and change it back to 6.99%.

At that point, the representative on the phone told me that they did not receive my opt out form and that it was too late to change it now. I asked to speak with a supervisor and again was told basically too bad for you, we didn't receive it. I explained that I had noticed this problem on the first statement that I had received with this change and I am very angry that I was told too bad. I asked the "supervisor" how I was to know if they had received it or not without me seeing a statement with a change on it. She again repeated that it would not be changed back to the 6.99% and if that was all I wanted that she was finished helping me. Chase is operating a very shady deal with this and here is why I think they've set lots of people up to get hurt on this "opt out" letter they've sent to lots of consumers.

For all of you with Chase accounts that received "opt out" notices. Check to verify that it was done!

This interest increase has caused my finance fee to double. It decreases the amount applied to my principle by $40 per month, which adds an incredible amount of money to the bill if looked at over a long period of time. Losing $480 a month applied toward the principle over a year adds on several years of repaying a card balance. As a responsible consumer, I am deeply angered that credit card companies are allowed to do these things. I know Congress has recently enacted new laws, however the credit card companies were given a long time to find ways to rip off the American people before the laws take affect and they have most definitely taken advantage of the time!

I contacted them by phone and email to let them know I had exceeded 12 months. My answer from both sources was that, there weren't any special offers on my card. I have paid the card to a $0 balance and let them know that I am closing all but one of my credit cards. I asked if they were interested in reducing my rate to keep by business. Still no special offers at this time "due to the current economic conditions".

Mortgage rates are at an all time low. I just financed a car for 0%. I have yet to receive an answer to my question of why I am stuck in a default APR. My only guess is that it was never labeled default by Chase. I can't even find anything stating what their default rate would be if I made late payments or went over the limit again. In the meantime, my other Chase card jumped from 12.99 to 20.99. No special offers on that one either.

I won't be surprised to see Chase be the next company asking for a bailout because their customers have either paid off and closed their cards or transferred their balances to a better interest rate from a different company. Citifinancial and Capital One are both offering 0% APRs for 6-12 months! I was paying up to $72.00 a month in interest on my $3,000 Chase card. I'm paying $52 a month interest on my $14,500 home equity line with a variable rate.

Wondering what might happen when I have an account and don't know it. I get information want me to apply all the time, but have never applied. How can I get this to stop? There was no telephone numbers to call, just a name Deb **, Ex Vice president.

I have called Chase twice to ask them to lower the interest rate they are charging me (24.24 and 27.24), and Chase has refused both times. The second time, they told me that they cannot reduce the interest rate, because "they are still working out the transfer of the accounts from Washington Mutual." Huh? And while Chase refuses to lower the interest rates they are charging me, they continue to inundate me with offers to open new accounts with them. Are they kidding?

I am taking a personal loan at 2.25% interest (Yes, that is how good my credit is.) and paying them off and will never do business with Chase for any reason... and I sincerely hope that someone from Chase monitors this site.

I then sent a letter to chase Customer service and request cancellation of that late fee. A guy named Anjali ** rejected my request. This time Chase Credit Card increased the late to $45.50. I submitted a second dispute and they gave me a $1.50 credit, bringing the charge down to $44.00. While sustaining my dispute I still paid this amount. However, after receiving $44.00 Chase Credit Card turned back to the $1.50 credit they set before and asked me to pay an additional $1.50 charge as a new balance. Illegal $45.50 charge.

I have been a very good customer with Chase since 2001 and have never experienced such a vulgar and untruthful company. I will never do business with Chase ever again. Chase should be shut down by the federal government and never be allowed to treat anyone with the disrespect that they have done to so many others out there. Even now when I called a week ago or so to talk with someone to try to lower my 27.24% APR to try to help reduce the interest that should have never occurred, I was told we cannot help you. You will have to call back in three months and there's no guarantee that we will be able to do anything for you. What a crock!

If this is what big corporate companies are allowed to do to good working Americans, then maybe I should try to find another job at ripping off good bill payers. I have a conscience though and could never sleep at night knowing that I did such a horrible thing to another person. All I wanted was to pay off my bill and keep paying off my debt and Chase is not allowing me to pay off my obligation. In the meantime, interest keeps adding up on that high interest APR and God knows what it will be. I have a good credit score and pay more than the minimum payment and pay my bill on time.

From: Chase P.O. Box 17198, Wilmington, DE. 19850-7198.

I checked with Chase for the online availability of our bill for both cards in early February, still not posted. Well, 22nd of February rolls around and I am checking some other bills online, and realize that I hadn't gotten either e-statement, yet. Check online and we have suddenly missed and e-statement and have now incurred interest and late charges. When contacted about this. Chase blames us, saying that we've had access to the bill at all times and that there is no electronic problem on our end even though we have put in a primary and backup e-mail address and religiously check both inbox and junk mail boxes for all of our other e-bills.

It seems to me if there is a problem with your e-billing, when you opt in to paperless statements; you are opting out of all your rights to be notified of a bill in a timely manner. Learned that lesson I guess. I'm just amazed and the absolute inflexibility and consequently rude handling by the company representatives. We were nothing but sincere and polite when requesting if at least some of the fees could be waived, etc. I guess this is what happens when you use these cards for the points and maintain good standing with all of them. Too bad we can't discontinue our home mortgage with them as well.

Payment protection is pointless and Chase is the only credit card not willing to work with me even though I've always made every payment on time and will continue to do so, but I will never sign up for the payment protection plan again. They should have the criteria met before signing up. Credit score impact and potential collections.

I felt like talking to Chase Bank is like talking with criminal with address. Chase credit card is evil and a demon that will ruin your credit. It is the worst. Another worst part is their interest rate is too high. I called to ask them why is rate changes like I have a bad credit. My credit is excellent. My car is 0% APR and Chase is charging me 18% APR variable. In fact, I regret ever dealing with them. I advise anybody to run away from Chase credit card, it is robbery. The government should look into Chase credit card company. They are killing American people with high bills.

I called Customer Service (on two different occasions), explained what happened and practically begged them to lower my APR but they wouldn't budge. Again, it was my fault that the payment was returned but I had a perfect track record up until that point. I think it is completely unreasonable that they raised my APR a whopping 21.0%. Needless to say I closed my account and will never do business with Chase again.

January 16th was a Saturday and I suggested to Chase that they should not list payment dates on Saturdays if they were not going to be processed on Saturdays. I received 2 letters from Chase, one giving me a credit for the $1.50 and one denying a refund of the $29.00. I spoke with Lashanda on 2-16-10 and she said that Chase does process payments on Saturdays. I've had this account for 5 years and never had a late charge.

A few weeks ago I checked my credit report and noticed that I had a $1 finance charge from them. I couldn't believe it! So now I have a delinquent account showing on my credit reports! According to them I have been late paying my credit card over four months now! This is such a bummer. Now I have to go dispute it with the credit agencies. It sucks when you try so hard to keep your credit in good standing and then it gets ** up because of one minor detail. Bad credit on my credit report shows I have a delinquent account for four months. Thanks a lot Chase!

They had told me that they had sent out the proper notification and they are justified in keeping my money. I would expect this from a no-name online business trying to rip off the general public, but from a fortune 500 company in the US, this just seems like a crime. I guess when you add up all the free accounts WAMU had in the millions, then you hit them all with a $16 monthly charge, and refuse to give back the money, that's like $16,000,000 or more per month in service charges, a non taxable source of revenue straight to their bottom line: their CEO who's laughing all the way to the bank.

I complained up the ladder as high as I could go, which was talking to 3 different people on the phone, then being pushed into someone's voice mail, and never got a call back. This was all in January when I saw my December statement. The same thing happened to my Wife on a separate account. I was so offended I made a personal decision to close out all relations with Chase. I hope there is a class action Lawsuit on this matter, then I will definitely join!

Now is this a fair reason to raise the rate of a customer with a good banking history? The representative also stated that if I did not like the terms and conditions, that I had the right to close the account. I did not like that response and was immediately irate. I think that was unprofessional and she showed a poor representation of Chase Bank and customer service. Ultimately, Chase Bank will lose a great customer as a result of this situation. My question, was the representative correct and if so, how is that fair?

I need copies of the payments that I made so I can show eBay these have been paid, and someone has used my card to commit fraud. Please get back to me ASAP as they want their money, and I need to show them proof of my payment. Thank you.

Chase has raised my minimum due to which I already was paying more than that already; but I should have an option to pay the smaller amount if required. I resented when these credit cards made minimum due all the time. Before, I used to have a zero min. due. This was nice because I could plan vacations or deal with emergencies and not be penalized. Now, I am being penalized for Chase's irresponsibility. 20 years from now there will be another banking failure with the customer paying. Why don't these piggish banks just steal from our savings and checking? The government probably will stand behind them for such dishonesty. Chase is very, very dishonest.

I inquired why my minimum due was increased and why my interest rate went up by 5%. I was told that these changes went into effect before the federal law changes. I told the representative that Chase is cheating and I am tired of being taken advantage of by these financial firms. I can only get .25% on any savings or checking account; but they can get almost 20%+ from consumers. I know Chase is upset that I locked into an indefinite 4% loan a few years ago. I used this advance to enhance my skill set.

I resent paying for Chase's irresponsibility. I have always been responsible financially and if I dare slip, I am aware of the consequences. I do not see Chase having consequences for their irresponsibility. They have passed on their debt to the consumer.

I then checked the other account and found the $31200 available credit was now only $1000 and my transfers were never done! I was never notified of anything changing in my accounts and feel that because I did two balance transfers which Chase offered me, Chase decided to not do them and supposedly did an update on my account after the transfers and just took it upon themselves to make the changes!

I still have never been notified of these changes and feel this is against any credit card laws. I want to file a formal complaint against them! I had a small balance of $710 with them on the $31200 card and was told because I only made the minimum payment each month automatically that was a not acceptable arrangement even though it was what the bank requested each month! I feel I have a definite complaint of discrimination against them as I know others this has not happened to.

I paid all of those extra fees and reset the account up to debit automatically to bring the account current. I found out when I checked my credit report that Chase has closed my account. When I called to inquire about it, I was told that I would have to reapply. It really makes me not want to pay them at all. Chase has yet to notify me that the account is closed. I have been trying to keep at least one credit card because they are a necessity in emergencies. I just paid Chase $280 that I really couldn't afford because they imposed over-the-limit fees. I've been very ill and am still ill. I can't even work. They have put me in a bind and for nothing.

Thereafter, I went to use the credit card and it was denied. I was annoyed, but figured it had to do with the late payment from the previous month. After I was sure the payment for January had been wired, I again tried to use the credit card and it was denied. I called the credit card company and was told that the denial was a glitch and that I owed them nothing.

I then received my bill for February and it was for $14.47—interest on a "zero" balance. When I called the credit card company, I was told that it was interest for not paying the December amount earlier in January. I promptly canceled the credit card. I'm now expecting a fee for cancelation. The only real monetary damage is $14.47 and a lot of anger. I will also lose the benefits of obtaining credits for Southwest flights.

So I said fine, nothing I could do. But there was something they could do. By my next statement they almost doubled my APR on a closed account and sent me an “oh-well” letter. I went online and seen this thing posted everywhere. So many people and the same thing. I predict Chase will be gone within 5 years, meaning once they got what they can they will just be sold and a change of name will cover it all up.