Chase Credit Cards Reviews

My credit score is 710. Unfortunately, last year, I had two tenants move out of my rental properties; one of nine years, which meant I basically had to do a lot of cosmetic work and updates to the properties as well as pay the mortgage before I could re-rent them out. I also had an outstanding balance of approximately $13,000 which was all debt incurred from my rental properties with the intention of converting to a home equity loan. I used close to max on my card of $20,000 dollars by using the checks offered by Chase for repairs, which gave me a minimum monthly payment of approximately $450.00 per month or 2% of the outstanding balance.

Needless to say, Chase decided that since they couldn't raise my interest rate, they would raise my minimum monthly payment amount of the total due from 2% to 5% which now raised my minimum monthly payment from approximately $450.00 per month to $1,000.00 per month with no notification they were doing so or no reason why. This was done because if I defaulted on one payment my interest rate, I would now default to 27%. This almost caused me financial hardship.

Why did these companies get any help at all from the government? I elected not to call Chase and discuss this with them only because of the fear that they might lower my limit below the amount I owed causing me to pay an over limit fee. The only good news is that I have managed to pay my card down so far to $14,000.00 and should have it paid off in one year. But last month, I realized they lowered my credit limit from $20,000 to $16,000. Why? What amazes me the most is how they treat their good customers. I really hope this company goes out of business, they shouldn't be allowed to do this to anyone. They complain the reason why they do this is because too many people default on the cards. Well, the reason why people default on their cards is because of Chase's unethical practices.

Since then, I have experienced other incidents of merciless consumer communication. For example, on 3 occasions, the representative told me there was "no one at the bank who could help me". Representatives, on 2 occasions, have told me that the reason for the problem was the federal government. They told me interest rate reductions are frozen by policies of the federal government. On two occasions, the reps were relatively nice, and seemed to try to listen to me, but the answers were pretty much the same. There is no hope for me at Chase. The burden of an interest rate of 29.9% prohibits me from paying for basic things, like food and medical services.

I called just before Christmas to cancel my payment protector and they managed to talk me in to going with the one month free on my card protector but failed to tell me if I didn't cancel that month that their fee for the service might put me over my limit. I was assuming like some of you that a month was from the first to the 31st but found out they do their billing cycles from like 12/02 to 01/01 so everything that should have been on the previous bill for the month of Dec didn't get put on until January's bill, hence the over limit fee. It really makes me angry that I tried to call and cancel the $19.00 charge for the payment protector and then they have the audacity to charge me an over limit fee when I didn't want the stupid payment protector anymore in the first place!

The other credit card I have is one they gave me when I opened my checking account. It started out with a $5000 credit limit with $1000 access cash. I haven't used the cash access until this month and just paid my February payment on time to them. I use it to get $300 cash assuming that I have up to a $1000 limit and then tried to make a couple smaller purchases after that and they both were declined. I got home and looked at my statement for last month and just within the last couple of days they had lowered my whole limit to $2000! I already had a balance of $1698 before I got the $300 cash. I was furious and called Chase to try and find out why they lowered my credit limit so low and they transferred me to the lending department. I thought surely they would be understanding that I have been a good customer with my score at a 720 and would at the very least raise my limit back to $2500 so I wouldn't go over my limit.

No such luck, the lady I talked to said that since I wasn't working there was no way she could justify raising it even another $500. She asks me what I got the $300 for and I told her to pay my other bills, like it's any of her business, I shouldn't have to justify using my cc to her, why does it matter what I used it for anyway as far as I was concerned I had a $1000 cash access line. I couldn't believe her snotty attitude, she tells me that the reason they lowered it was because of too high credit balances compared to credit available or something like that. She says well mam you have 10 cards open right now so I don't see any reason to raise the limit even a $100 dollars.

I am like yah and 6 of them are for the stores they are from only so it's not like I can use them just anywhere. I tried pleading with her telling her that I use that card for my overdraft protection as well and that if I would have known they were going to lower my limit I wouldn't have gotten the cash out. She says check back with us in 6 months and we well you need to pay down your balance for three months and then check back with us in 6 months and we will review your status again. Gee thanks a whole lot for being such a **!

I am very irritated with Chase and the way they are treating me. I think it should be against the law for them to change your interest rate or lower your credit limit so close to your current balance. I think they should only be allowed to lower it to no less than $500 above your current balance so you don't go over your limit.

All my reasons and questions have had one answer, that is, ‘too many credit cards’. Then I asked for the decrease of APR on some percents. I was transferred to customer service. The result of all the questions and answers as follows, "This is our money. We lend it to you and we can do whatever we want and whenever we want. We can increase APR, decrease your credit line, close your account. We are the boss.” I feel like Chase is not interested in small customers. They do not want to do business with average people. Their consumers are not protected from this practice of deception.

I called today at approximately 2:06 PM to discuss how I could pay my cash advance off because of its high 23.24%; your system transferred me to Mrs. Amelia **.

I explained to Amelia my concerns about this matter. Mrs. Amelia ** spoke a bunch of credit card lingo, and was really short and impatient with me. I explained that I didn't understand any thing she said and if she could please explain it in a better way. Mrs. Amelia ** completely ignored what I said and asked me if there was anything else that she could help me with.

I stated that she didn't help me with my concerns and could she please put someone on the phone that could. She told me to hold on and intentionally disconnected the call. I called Chase back requested to speak to a supervisor. I told the supervisor every thing that happened the supervisor gave me the reps name, addressed the complaint and all of my questions were answered and I understood.

The bottom line is this law vary from state to state and many states have absolutely zero tolerance for rude customer service. Hopefully our conversation was recorded for review. I expect Chase to obtain a satisfactory resolution.

I called Chase and requested that the late fee be refunded because I had never been late with payment before and I mailed my payment well before the due date. They said that the charges are not refundable! They also charged interest not only on the amount that was late but also on the balance that would only be due in February, the following month. This is highway robbery and probably illegal too!

It seems like too much of a coincidence that the envelope enclosed with my February statement had an ad printed on it telling customers that they could avoid late fees by signing up for online auto bill payments. I believe Chase purposely held my check and didn't cash it when it was received just so they could add a late fee and try to get me to sign up for online payments. By submitting to online automatic payment, the customer will lose one of the biggest benefits of using a credit card and that is being able to dispute a charge with less than honest merchants. Once the statement is paid (in this case automatically), no charges can be disputed by the card holder.

If you don't believe me, read the fine print on the new credit card policy that takes effect on February 22nd. Every account holder should have received a copy. It's easy to see why Chase wants people to use auto payments and they will go to any extreme to get them to do so and making a payment post late is on of them!

Is this not illegal? Is there anything I can do? Is there anyone who can help me get this interest rate lowered? Please. I've written to the president of Chase, and to no surprise, have received no reply. I call every month and just get frustrated to hear the same "Sorry, we can't do anything." I am paying hundreds of dollars every month to interest alone, and being punished to the maximum when I was a great customer for over 10 years. There has to be some protection for people from this type of behavior. My tax dollars helped out all these banks but no one will help me with this outrageous interest rate!

I have called the company, most recent Chase since April, 2009, every month asking for someone to help me resolve this issue and reduce the interest rate, to no avail. My interest rate per month is now over $300 alone, and when I got laid off ten months ago, I called Chase and told them that I would split my payments in half, since my unemployment check was 25% of what I was making when employed. For over seven months now, I am making the payments on time and in whole, but they still will not reduce the current 29.99% interest rate. It feels like I'm dealing with loan sharks.

Is this not illegal? Is there anything I can do? Is there anyone who can help me get this interest rate lowered? Please. I have written to the president of Chase, and to no surprise, have received no reply. I call every month and just get frustrated to hear the same, "Sorry, we can't do anything." I am paying hundreds of dollars every month to interest alone, and being punished to the maximum, when I was a great customer for years. There has to be some protection for people from this type of behavior. My tax dollars helped out all these banks, but no one will help me with this outrageous interest rate!

I called Chase as soon as I realized I had made a mistake and paid the required payment. I asked for a credit for the late fee charge, which they nicely and easily gave. A week ago, I got a letter from them saying that because I made a late payment, the APR would increase to 15.99% on April 1st, 2010. The letter also said that I could "Reject the change in terms by notifying us [Chase] prior to the effective date of change. If you [I] choose this option, your [my] account will be closed and you must pay all outstanding balances on your account according to your current terms."

According to this statement, I could keep the 0% APR terms until October 24, 2010 and just not be able to use the card again, only pay off the balance. I chose this option to close the account and pay it off. When I called to set this up, I was told by a representative that they changed their mind. How can they change their mind when they just wrote it to me and I have it in writing? Chase also says they look at customer's credit history when they make these kinds of decisions, and if my history shows no prior problems, then why am I being penalized for my first and only mistake?

I want them to follow their word that they gave me on the letter, close the account and let me pay it off according to the current terms. If Chase changes my APR on April 1st, I will have to incur interest charges on the card because I will not be able to pay it off by then. I feel like Chase is taking advantage of me as a customer and just trying to make money off of me. I have never had a problem like this with other credit cards and Chase customer service was not understanding and would not let me talk to a supervisor. I just want to pay off my balance in the existing terms. I feel that I have earned this right because I have not had these types of problems in the past.

The last arrogant CS I talked to told me it was not negotiable, gave me the number for the national credit counseling service, and said there was no hardship program. I made the payment in August, then ran out of money and could not make the September payment because the higher payment made me short on everything else and I now had no money in reserve. I did not make the September payment, etc. I have to admit that the people from Chase who called were nice.

However, I did not "qualify" for the 5-year "hardship" plan because my income was too low. 4 months have gone by now and they turned me over to ICS which still supposedly is at Chase. The idiot who called today told me I should get a loan from a family member or the church or else sell my stuff to a pawn shop. He demanded a monthly payment of $906 (still the triple payment, which is what caused the problem in the first place). I told him I did not even have enough to pay rent or utilities and there is no way I can come up with that and they already know the situation and I don't know why they sent me to him. He said he was going to mark it as a "refusal to pay", and the collection calls would continue and hung up on me.

If you have to have a good income to qualify for the "hardship" program, which only puts your payments at what they were before they almost tripled them, then what is someone suppose to do with less money? Where do they think they are going to get the money to make triple payments if someone with a "good income" couldn’t? They are forcing me into bankruptcy but the problem is that the lawyer I gave a retainer to would not lift a finger to do anything until he got all the money upfront ($1300). So basically he hung me out to dry for the past 4 months (he kept the retainer, though). I tried getting help from legal aid and they didn't have a lawyer they could assign me. Then I tried the pro bono program at the Bar Association and I didn't meet their "priorities". So now what?

Chase also assessed a late fee to my account because my June payment was posted on June 1 instead of June 3 or after. Because of the billing cycle and in the way my payments and balance transfer posted to my account, I was denied the promotional rate of 4.99% and was never notified and did not realize this until this month. Now my APR has been raised to an unjust rate of 29.9%. I am essentially being penalized because I used the promotional balance transfer the wrong time during the billing cycle and because I sent in my June payment too early. I have tried to work with "account supervisors" to reconsider this rate. I am not even asking for them to make it retro-active, I am just asking from this date forward to consider reducing the APR to a reasonable rate.

I have never been late on a payment and would never think that sending a payment in early would be used against you. Anyone with common sense can look at the activity of my account and determine what happened. It seems to me that Chase is willing to work with consumers that default for one reason or another, but refuse to work with consumers that take their financial responsibilities seriously.

My bill is over $3000.00, and I pay it every month and I may use it maybe 3 times a year. I just want an explanation on what I am doing wrong. It seems to me that if you make payments, the bill will go down, not up.

Chase never informed me about the "accrued fees" that were not shown. During the following months, they added a few late fees making the balance to go over $100 but still will not warn me about what was going on. When the unpaid balance got to over $100, I got a letter in the mail that said that the APR in that credit card was going go up to 30% because I was more than 30 days late paying my bill.

What Chase did also was to inform the credit agency, which of course, lowered my Fico score. I don't care about the credit card going to 30% APR because I have no intentions of using it and the balance is 0. I am sure if the balance in my credit card was more than $40, I would have gotten a call from their customer service.

This seems to be a strategy from Chase (that had to adjust to the new rules of the Obama Administration) to justify increases in their APRs. They need to show the clients are riskier so, if they can get their clients to have a lower Fico, they can justify the APR increases.

I have been a client for many years and had never been late once. I paid the full amount of my balance and still Chase increased my APR and reported me as late for a balance that they didn't let me know existed. I called customer service and it was disastrous. A rude person just said they sent me emails and they didn't bounce so they did their part. And I can do whatever I want, but they are not going to fix or change the report to the credit agency. Additionally they don't call customers that are late with their bills.

I was not on top of that account because 1) I paid it off, 2) when I checked the balance it was 0. 3) I never got any notice or statement that I had a balance.

I made the mistake of disagreeing with her, explaining I had made the payment due for November on November 11, and because I am so anal about paying my bills (exact words), I made my December payment on December 2 when I got paid. Well, I wasn't paying attention, and the statement date ran from November 3, 2009 to December 2, 2010.

So I said clearly by my payment history, it is obvious that the second payment was my December payment and asked if they would please remove the $39.00 late fee. I was told it was a Chase policy that they do not refund a late fee no matter what the circumstances were. Then all of a sudden, 3 days after the conversation, my credit report got hit with a late payment for December.

The damage that this has done is to show on my credit report. I have worked very hard to build my credit. I am very adamant about paying my bills on time and feel the only reason this hit my report was because I argued with the woman and was insistent about speaking to a supervisor who gave me the same story.

In January 2010, with no balance on the Chase card, I then used it for the first time for about $600 of purchases. Then I noticed that my rate had been raised to 19.24% on the exact month that I used the card for the first time. I phoned Chase and got someone with a heavy accent who would provide me with no reason for the rate raise other than the fact that Chase is legally entitled to do it and that it is a business decision on their part. I asked if it was done because my credit score had worsened and could get no answer other than it is simply a business decision by Chase and I was supposedly sent a notice in September, which I don't recall receiving.

Bank of America hasn't changed the rate on my cards, which are still at 13.24%, so I will either transfer the Chase balance there or pay it and then cancel the card. This "gotcha" type of business practice from an industry that was bailed out by the taxpayers is very aggravating, especially when they are unwilling to provide you with any concrete reason why your credit worthiness has changed. The guy I spoke to was actually talking down to me and lecturing me about how Chase has the right to do what they did.

A week later I negotiated with the bank to lower my payment. However, this time they indicated it would only be for one year, then my rate would increase to 21%. On February 2, 2010 I received a call from Chase Executive Services and they said the balance transfer APR is fixed at 6%. However, the bank can increase the minimum payment to anything they want at anytime. This is not stated anywhere in the balance transfer promotion letter (I have a copy).

The consumer is not protected from this practice of deception in regards to balance transfers by Chase bank. The consumer is not fully informed of the implications of transferring your bank balance to a lower APR rate and no wording about the minimum payment can be increased at anytime. The balance transfer promotional letter comes with nice big bold letters "fixed APR of 6% until the end of your balance." They should also put in big bold letters "Chase Bank has the right to increase your minimum payment at anytime without notice." The consumer needs to be informed.

I contacted WFCCU and was given the check numbers and dates cleared. Somehow one of the checks did not process and I was told this is done by machine. The second check had to be issued and I was told no late fees or interest would occur. Now 9 months later your company tells me I owe you. I have been loyal and an on time paying customer. Please check this out. If need be, I will go through Union Square where the EFTs are withdrawn and submit all EFTs to your company. I regret leaving your company with bad taste.

I immediately called Chase Credit card department. I thought it was odd that they did not ask me the normal security questions and said their records showed my father had died and not my mother which was the case. I responded that this was odd since my mother's name has never shown up since she had died. I then downloaded the account activity for my records. This was the smartest thing I did relating to this problem. The following is some very stupid things that came about from Chase Credit Card Fraud Department:

7. Next month I got a notice that told me everything was not resolved. Again, I called Desiree C and she told me to simply ignore any letters referring to this problem. She said their servers with Chase never communicate with each other to update customer information. Now, how stupid is this?

I was told that I was sent a notification of the impending credit rate increase. I was told that I had the opportunity to either accept the new rate or close the account to keep the current rate. I was asked if I remember getting the notification. I told the representative that I did not see the notification and was unaware of the changes. I told him that I certainly would have closed the account, as the new rate will make it nearly impossible to pay off the debt.

I told him that if I did receive a notice from the bank, as I do frequently from all bank accounts, it did not stand out as anything other than another random notification and the fine print was not seen. I feel that Chase intentionally did not intend for the notification to alert the current customers to the impending increase, as there was no acknowledgement of receipt required, no other advertisement or repeat of the intent to increase, nor was a grace period granted for those who only became aware of the change after the increase was imposed.

The customer representative told me that until Chase offers a rate decrease to me, that there is nothing that I can do but to keep paying on time. I am stuck with this and feel that I was tricked by their legal maneuvers. I suggest to "the powers that be", that an acknowledgement of decline or acceptance be required in advance of such hurtful business tactics and that repeated notifications be mandatory!

I did nothing and accepted the interest rate increases. I already had high interest rates on the Washington Mutual cards which were set at 17.99% so I figured it would be really high. o\On the following statements it was 24.99% a jump but nothing compared to a lot of cardholders that have high credit availability and previous low interest rates.

A 24.99% interest rate wasn't unheard of even when the banks weren't in trouble for those with a lower credit limit and high interest rates, so it's not much of an interest to me. As far as a variable rate goes, that has pretty much been the norm for me and many others for years so I think nothing of it. I guess many don't realize how great they had it compared to others having much less disposable income than themselves.

I think many need to realize that a lot of their high credit availability was based upon the misery of those that truly couldn't afford to fund the banks that granted a high credit line. While I am in no way happy but perhaps it is a lesson learned, that people need to start considering everyone, instead of thinking of ourselves or me, and to start thinking of everyone as us. Until we say us, not me, not them, someone will pay the price and unfortunately it is those less fortunate that end up paying the most.

While I have also never paid late, and more than the minimum, I have also always carried high balances. Though I have a low income and could never dream of being given a credit limit of $10,000 right along a higher amounts, a line of $1,000 sometimes is a miracle when it's needed to manage daily life. Nevertheless I have always been a firm believer to take 30% of my disposable income and then reduce it by 70% of that amount which would result in an actual 30% of that to rely upon as debt. It has allowed me to never get into trouble financially. I have in the matter of four months paid off two Chase credit cards both having $1,000 credit line.

Out of 9 revolving credit lines, I have paid them all off except for one in less than a year and that also included me using them. To those that say they had a high credit line and always paid them off, you're not profitable to the banks. They lose money off your account, so it's not really worth it to keep you as an account holder. They are in business to make money. If your balances are paid off each month, the banks lose money because they have to pay for paper stock, ink, administrative payments and postal charges which are now around $0.42 first class mail, a few hundred thousand accounts that they lose $0.50 a month to send bills to reduces their profit by $100,000 per month or 1.2 million a year.

Even if you have the account for 10 years you cost the bank $60. However, I'm thinking that there are more than a few hundred thousand people that have become responsible and thus reduced their profitability with a revolving account. I have also noticed a few comments regarding beliefs that no credit card should have a variable rate. The variable rate has been put into place because the Federal Reserve sets the prime rates. It may change; in the event that it does, the banks cannot take from their set interest rates to pay the Federal Reserve. That's why they are phasing out fixed rates.

Also on a side note, I would like to point out that Chase is one of the 12 U.S Federal Reserve banks and the Federal Reserve loaned Chase a couple of loans to buy out those failing banks such as Washington Mutua l(250 billion loaned to Chase) and (300 billion) for several buyouts. So they have to generate money as quickly as possible to pay back those amounts borrowed from the Federal Reserve. That way the Federal Reserve can buy back securities, and etc so a lot of the $850.000,000,000 billion Congressional bailout money can be destroyed pulled off the market to stabilize the economy better and keep inflation down.

Remember the more money in circulation it causes deflation of the value of the currency and less value results in higher prices due to inflation. Pulling the money out of circulation increases the value of currency, and drives prices down. The housing market prices should have been the first indicator that financial problems were coming about. Selling at near twice the expected values of homes for several years should have been an indicator. Some perhaps were watching, while most did not.

- Credit report shows too few trades paid as agreed.

I have never been late on a payment to Chase, and always pay way over the minimum amount due. I requested my free yearly credit report about a month ago, and all of my credit accounts are in good standing. I have been trying to maintain good credit by always paying my Chase account on time, and paying over the minimum due. I am now being punished by Chase for doing so, as I'm sure, them closing my account will negatively affect my credit.

I stated that since I never received the notice, I want to close out my account now and not be charged this increase. She refused, stating there was nothing she can do. I feel this is illegal in so many ways and extremely deceiving to consumers who pay their bills. It is fraudulent in the fact that they can do this without our acknowledgment. The consequence is extremely high interest rate increase! I’m trying to find the money to pay this off now.

I then said I want to speak to someone else, to give me a supervisor. Well, that did no good either. I told him the same thing and even added that last year I even paid off my balance of around $3000, and have always been in good standing. He said I could close my account, and in one to two billing cycles it would go back down, but never did tell me what it would go down to. I said if I close my account it should go back down today and what will it go back down to. Still there was no answer on my APR, just that it would be one to two billing cycles. I said, "So you would rather lose a customer paying on their account than someone who is not paying their monthly payments." I ended up just hanging up the phone before I would get very irate! This is ridiculous! I am so upset that my APR went up 9%. I could understand it a little bit more if I were not paying or were paying late, but I'm not! Is there anything people like myself can do?

Now I make a simple phone call to customer support to talk with someone about making a complete pay off on this credit card and to get the most up to date balance. I received this balance and then went to the bank 2 days after this call and made the payment in full at the branch. "No problem," I was told. I now have a 0 balance and all would be good. Now I check online at my credit card and notice that the card has been cancelled.

I was furious and immediately called Chase to find out why. They said that my debt to credit ratio was too high even though I have no balance on this credit card. This is actually the only credit card that I own! I then talk to someone else in a different division and find out that the day after I called Chase the first time to find out the balance to pay it off, they made a decision then and had already cancelled the credit card without me even knowing anything. The girl at the Chase branch never mentioned this to me but was sure happy to see my money going to the bank for the payment. I will never recommend a Chase credit card or even simple banking at this institution to anyone ever. As of today, I have cancelled all my regular checking and saving accounts. I am still stuck with a Chase home loan but believe me, I will look for refinance with a different lending institution. Please be aware of the bad practices that Chase is getting away with.

I asked now that my limit is 5k, can I write a check for 4.5k? Answer was yes. Now that check has bounced. I made a call to Chase and was told the reason for refusal was too much credit. I said "but I just paid off another card with the same balance". Their answer was they don't care. I cancelled the card. I will not deal with a company that treats their customers like this and I can see from this site that I am not alone.

When I called to complain today and requested that my rate go down, I was told by Jane (no last name) that a letter had been sent in November that indicated the changes. I never received such a letter, and Jane did not care when I said that I would pay off the card and close the account. After hanging up with Jane, I wondered why the information isn't given online, as I don't use the US Postal Service if I can avoid it, and do all of my banking online. So I called Chase again to ask where that information is indicated on my online statement. I spoke to a woman named "Zarr," who said that they don't post that information online because "it might get lost". I asked if she was kidding, since I am confident that my secure online account is way more likely to get info to me than the US Postal Service. She did not have an answer, and when I asked to speak to someone else to complain, she said that she would give me a number to call. I said, "No, I want you to transfer me, because I don't want to have to call back again". (I noticed that my account number and the last four of my social were not recognized each time I called, and had a heck of a time getting a live body.)

What a surprise that all I got was another customer service person named Jill H. Jill told me that the notice was included in my statement, but since I had my statements open and was looking at them, I asked her where the info was, as it is not on my statement. She insisted that it was, at which point I asked her to tell me the page number and the line number. Of course, she couldn't, because it wasn't there! (Looking back at previous statements indicated to me that important changes were noted on the Inserts column in the past.) She told me that there was nothing she could do, all interest rate reductions were stopped until after February, when the law passed by Obama goes into effect, which is what you wanted. But, very helpfully, she offered to pass my concerns on to the Powers that Be.

I don't have time to give her a lesson on how American laws are passed, and I definitely think she watches too much Angel, so I asked for someone who might actually be able to answer my questions. After a brief hold period, a man named Brett A. came on the line. He identified himself as a customer service supervisor. I explained my question, and he told me that we are not allowed to post alerts online. When I asked, not allowed by whom, the government or your company, he said that the government forbids it. I assured him that I would verify that with my Congressmen. In the meantime, I asked that my interest rate be returned to my previous rate, and he also told me that he is not able to do that. He said that every single cardholder now has that interest rate. I commented that I would then pay off the less than $1000 that I owe and never use Chase again. That in fact, Chase will never see another dime of my money. He seemed very apologetic, and he may be one of the few that work for Chase who recognizes poor business practices. Needless to say, I was very angry when I hung up, and called my husband to complain and to question his interest rate, since he also has a Chase card. He went online and checked his statement, and lo and behold, his rate has not changed! I advised him to call and ask, and he advised me to call Chase back and ask for Brett A. and ask him to send me what he told me in writing, along with the so-called November letter.

I called Chase back, went through the same nonsense of this account number is not recognized, etc. I finally got a representative on the phone and asked for Brett A. I was told that there is no way of knowing what call center he is in, so I asked for a supervisor or manager. A woman calling herself Rachel M. came on the phone, identified herself as an Account Supervisor, and asked for my name. She told me that the account I was calling for is not my account! I asked her to check my social security number, and sure enough, there was my account, same number and everything! Amazing. Anyway, I explained my problem and she was very nice, at first. She said that there was no problem sending out a copy of the November letter.

When I asked about lowering my interest rate because, after all, I am an excellent customer, she said that there would be no changes until sometime in the spring, and they would evaluate based on my credit score. I asked why they can't just lower it now, and she said , the cost of lending has gone up. I asked why I should be gouged for that, since that bank took the bailout, used our tax dollars, and were given a break. I think she was annoyed, because she said, "We were forced to take that money even though we didn't need it. And then we had to pay it back at 14+% interest (I don't recall the exact number, other than the 14), which cost the company over $2 billion". I then asked why the consumer should foot that bill? She was very agitated and told me that there is nothing more I can say. I then asked if she could give me that info in writing, and she repeated, "nothing more I can say" and hung up.

Of course, now my question is this: If Chase didn't need the money, and it was forced on them, why didn't they just pay it back the next day? Is this very strange to anyone else?

Once I saw the product, it was obvious that the merchant could not provide the special service. So I cancelled the contract, using the process stipulated by the New Jersey Law covering the "3-day cooling off period." When I presented my original case to Chase, they sided with the merchant based on the No Rescind clause, because Chase considered the contract valid.

On my re-dispute (second), I showed that the merchant could not provide the special services stipulated on that same contract. Chase would not consider it, and they rejected it again based on the No Rescind clause. I discussed FCBA (Fair Credit Billing Act) with Chase, where it clearly states my right to dispute a charge and get a refund for "Charges on goods and services I didn't accept or weren't delivered as agreed." They listened and did not disagree, but they would not reverse their decision.

Chase communicated to me (verbally) that they reach a decision on my 3rd re-dispute claim, based on the following: 1) There is a signed contact with the merchant with a No Rescind clause. 2) Merchant can provide a travel service.

According to Chase, the agreement they have with Master Charge does not cover "quality of service." Based on their interpretation, the fact that the merchant has a service is enough; the services promised not being delivered is not disputable--that is a quality issue.Chase also mentioned that the contract stipulated I could not hold MDU responsible for anything they said at the presentation. I explained (and they did not argue) that my breach of contract claim is based on the contract, not on the presentation.

Key point: Based on the above definition, the second I put my signature on the MDU contract, I could not cancel. That is simply not legal according to the FCBA! Chase or Master Charge cannot institute a process or procedure that limits my right to dispute a charge, because it is difficult or inconvenient. I advised Chase that I do not agree with their decision, and I will continue my dispute via the OCC and the FTC. And I'm considering a legal action against Chase.

I actually cannot afford to eat this month because of the high rate I am paying. I am scrambling to figure out a way to pay this card off and cut it up. I would love for a class-action suit to be brought against them as this is or should be illegal. I have been in good standing with the company paying more than the minimum until I missed a payment in December. I have had brain surgery and occasionally do forget a payment. I was stunned at the attitude of the customer service people I spoke to. They said it did not matter how good my credit with them was. They would still be charging this fee. Contact me only if a class-action case is filed. Thank you for letting me vent. I will never ever use Chase again!

My suggestion to anyone getting these checks between now, Jan. 2010 and Mar. 2010 for a low balance is to write the check to yourself, then after the check clears, write a personal check for the bill you are wanting to pay off. This ensures you will not be late on a payment and if the credit card company decides they cannot honor the low rate or check they sent you, you will only be out 1 returned check fee to your bank which will not show on your credit report. I know no one wants late or returned check fees. But if you find you have to use the low interest check a credit card company sends you, write the check to yourself and deposit it, then write the personal check once you see the check has cleared on your credit card statement the following month.

Chase started calling and it has become a real nightmare. They called me on my cell phone 25 times from Dec. 26 - Jan. 21. I finally got into a shouting match with the last person that called and they have not called back in a couple of days, but they did report this same account twice on the same day to the credit bureau. Now it looks like I have a double hit from them in retaliation.

I had just used the special interest checks I had received in the mail which would make one believe they had a current address but I was told it was my fault for not updating my address with them when I moved. (I have since done that on the day I called them) No supervisor would speak with me and even though I was told one would call me back, no one ever did.

If the reason you called is to okay the charge to www.**, it is okay. This was a disgusting way to try to verify!!

I asked Chase (in writing) to reactivate the card and decrease the interest rate. They responded saying no as I had a bad credit history and made late payments on the account. My FICO score is over 700 and I never made a late payment. I wrote back asking for details as to the late payments and was told Chase was in error and that there were never any late payments. They were now saying that the interest rate was raised due to a review of my credit report. I subscribe to several services (equifax, etc) and monitor my credit. I was just approved for a car loan and have no blemishes on my report; as noted my FICO is over 700.

I wrote back to Chase and asked for a formal review with a case number assigned. They responded by telling me the reason my interest was raised was that I was 1 day late on a payment. They supplied details. Apparently the due date was on a Sunday and they did not post the payment until Monday. My bank account (also Chase) shows the payment was made on the Sunday. I am at wits end. I have closed all my banking relationships with Chase but wish to file a complaint, maybe with the NY Attorney General's office. The only reason they did this was to gouge consumers before the new laws go into effect in February.

Well, I wrote both my Senator and my Representative. I received letters back from both telling me that they would forward my complaint on to the NY State Attorney General's office. About two weeks later, I received a letter from the NY AG telling me they would be pursuing my complaints. Last week I got a call from a Senior VP in Card Services from Chase.The first thing I asked him was, "did you get the letter from Mr C?". He said yes. I then said, "What are you going to do to make this right?"

Well, they lowered my interest rate from 29.99% to 10.04%. They refunded retroactively interest charged at the higher rate (almost 400$) and they r-instated my card. I guess Chase really does worry when the NY AG comes knocking!

This month, now January 2010, I get an email saying my statement is ready. I found this odd, since I should not have statements from them. Lo and behold! They charged me $1.50 in October for "finance" charges. I called immediately and was told it is a legitimate charge since it was a finance charge. They charged it monthly, took it off, charged it again. And since I just found out about it, I now have negative reporting to my credit. Awesome!

The woman I spoke with kept saying, "I have now been on the phone with you for 45 minutes. I feel I have answered your questions. There is nothing I can do." I didn't have questions to begin with. This is a serious problem! I never had problems when this particular credit card was a WaMu. But since the transfer in February 2009, I have had nothing but issues. I have been told over and over that "it is in your terms and conditions." I have told them over and over that "I have never received your copy of terms and conditions. I have never received a paper bill. I have received nothing but one email from them!"

It seems to me that this bank is trying to monopolize by making the statement "If you don't have credit with us, we are going to make sure you can't get credit with anybody."

There should be some avenue that the customers of these companies can take to negotiate the interest rates back down to the percentage rate that was originally on the customer agreement. In my opinion, the behavior of Chase and other institutions should be viewed as unethical and almost to the point of displaying predatory lending practices. With my interest almost doubled, I will be in debt to Chase much longer than I ever anticipated, especially when over half my monthly payment is applied to interest which is going into the pockets of bank executives in the form of insane bonuses at taxpayers' expense.

The billing we just received for payment due on February 11th, 2010 says we owe $1563.86. The finance charge for that amount is $18.10. Instead of lowering the finance charge since we have paid off almost $100 of the balance due, the finance charge has gone up. Where will it stop?

So, I left a VM but never got the call back. I then called Chase again on 1/20. The lady who answered the phone was so rude. She kept interrupting me and refused to transfer me to a manger. She simply said no mangers will deal with this, in a very rude manner. She also asked me why I didn't call earlier when I didn't get my Dec. statement. I explained to her I didn’t realize I missed a statement until I got this month's statement. She asked me to pay the balance first and then call back again.

I paid my balance on line on 1/20, and called again today (1/21). It starts all over again. I had to explain what happened and then got the same answer. This is not bank's error. I told her this is not my error either and I need to talk to a live manager. She said, “I can only transfer you to a VM.” So guess what, I have to leave a message again to a VM and passively wait for someone to call me back, which I don't know will happen or not.

I don't understand how Chase values their customers. Their customer service is just so terrible. It's so hard for a customer to access people who can solve the problem, and their representatives are so rude. Chase keeps saying: this is not bank's error. I understand, but it's not my error either, since I never got that statement. It's just simply unfair to me for the late fee charge and skyrocket high finance charge, $15 interest charge for missing 5 days to pay $436 balance.

On January 19, 2010, my husband received a call from Chase stating our balance was zero. They followed that up with a letter stating our balance is zero. I just thought it might help someone to know that if you can stick to your guns it sometimes works. We are seniors with nothing to spare so that what we did. Good luck to everyone who is still dealing with Chase. They will never get our business again.

They can do anything they want. What kind of government allows this theft to go on? I give them $10 and they give me credit for 16 cents. Do I have any rights? I feel I am held captive. I am a low income single mother and this is actually legal. To steal from my children, just because I needed to use the card for an emergency, now I'm an emotional basket case because of being so raped by this system.

That was the reason. Economically, I will never get out of debt at 30%. I have a low balance, but it is the principle. The distress is causing me to be sick at my stomach. I can't sleep and I have been working on this matter for 9 hours straight today. Started at 3:30 am. I have kept all my statements and went through to see what all was the problem. I refuse to pay 29.99% interest. So now my credit will be shot? I have fibromyalgia and already disabled. Stress brings more pain. So sad they don't care.

I asked for a supervisor and got argument; but finally Robert got on the phone with the same argument. I asked if it made no difference that payments were timely and more than minimum. Said I should have called and that it states on card and bill numbers are open 27/7. I told him it does not state that and checked to make sure. He refused to give me his supervisor. This caused a late fee of $39.00 and increase in monthly minimum. Now trying to get home equity loan.

On Jan. 15, I called to check my account. I was so mad! They raised my rate and now I was charged for an overage too. I called Chase to talk to a rep and let them know. "Too bad, you should have closed the account before Jan 1." I said, "I tried but your rep gave me wrong info so I didn't close it in Dec." I have talked with three individuals from Chase and they all say, "Too bad, you are now locked in at the high rate." It is a scam! Have their people tell you one thing and believe them and now the consumer has to pay double payments almost! My payments are raised. Thank God, I still have a job but with this job market who knows for sure how long.

I ignored them. That was a card with no balance as far as I was concerned. One day I got a letter stating that I am 60 days past due. No other notices. I called them. I owed $2.11, and with late fees they charged each month, I now owe over $100. I am furious, yet I paid it off immediately. I wrote letters and got canned responses. It's company policy, they do not contact all late payments! I called them, they are snotty to me on the phone, it's company policy and I was delinquent!

I later discover that they have reported me to the credit bureaus as being seriously delinquent and that affects my credit rating. I wrote them again and plead for a review. It's obvious, I paid them off, paid again and overlooked the $2.11. I have always made payments on time and my records prove I have no other late payments on any of my credit! Why ruin my credit over this? Company policy is company policy and nothing can be done! You were late and therefore it needs to be reflected on your credit! Whatever happened to common sense? My credit rating has been ruined!

Six months ago, I checked the online statement of my other credit card and noticed the APR increased. So I called a Capital One customer service rep who told me that they mailed a letter three months previously and I had not responded in time. When I explained that I never received the letter, the agent responded "we can't control the mailing system". But who is to say that the letter was actually mailed? I find it highly unlikely that I would miss two important letters, when I was looking out for them. Since our country's economic dive, I've been worried that, like so many others, my credit card APR would increase or my limit would be reduced. It's just really upsetting that with more regulations, companies are now finding creative new ways to sneak things past their customers.

I have been a Chase customer since 2007. The customer service representative stated that I had no recourse or appeals process in which to participate. I don't understand this situation at all. I am a home owner, my house is paid off, my car is paid off, and I only use two credit cards. I was indeed late in the summer of 2009, but have been a prompt paying customer before and since. I paid their late fees and continued to have a business relationship with them for another six months before they canceled this account. The closing of my account is going to have an adverse effect on my credit rating. Credit is so important these days and it appears that Chase is willing to damage mine for what seems like arbitrary and strange reasons.

Seriously, if they cant thank their customers by waiving a $40 late fee (which was only one day), then I don’t want to reward them by having them make money on every transaction I do! I liked Providian and Washington Mutual but Chase--they don’t give a rats you know what about customer service. Good luck to the rest of you with your interest rate hikes. I hope you get as far away from Chase as you can as soon as you can!

I'm well aware of the increasing ** credit card companies are employing to milk money from their good customers. Josh claimed I had paid my November credit card bill, get this, too early. Not late, too early. He said the billing cycle I needed to pay it in didn't start until November 7, and I had paid the bill November 6. I pay online, so I looked at the bill before I paid it the night of November 6. What I also don't understand is if my previous bill was due to be paid November 1, how a payment I made on November 6 wasn't in the next billing cycle? Seems rather convenient for Chase. Since I didn't have much of a balance left on the card, I paid it off, and I'm going to cancel it. But if anyone reading this has a Chase credit card, beware, they'll ** you over. I've found enough complaints online to convince me of that.

My account with Pier 1 card member services at Chase Bank is now paid in full. I had, and have a zero balance. I then started receiving invoices. I called to let them know they had made an error. They insisted my payment was late and that first $15.00 invoice was a late fee. No product, no merchandise, no service. I disagreed, stating the day it was mailed and stating Discover received theirs in time. Everyone I have spoken to has had one thing in common: Everyone admitted there was no actual merchandise or products or services charged. They agreed I had paid my account in Full.

I have spoken to Michael, Mickey, Gabriel, Michelle (more than once), Ramos, Isaiah, Jen, Miliea, Dianna, Nicky, Nhea, Rachel, Andras, etc. I spoke to someone who was shocked. The first person that apologized to me and couldn't believe this was happening. (I believe it was Dianna, by this time I'd spoken to over 20 people month after miserable month.) She said she would take care of it. She said it was clear I didn't owe any money & agreed I had paid for the merchandise in full I bought in the store. I was relieved.

The next month I received a bill. She had only taken off a few months of finance charges, late charges and accrued late fees. The original bogus charges were still there. I responded to a letter I received in July. I stated the names and dates I called trying to clear this up. I called Pier 1 to advise them of the situation, and that I had received no response. I spoke with Don, Mark and Susie. They expressed they were also not happy with the way Chase is treating lifelong customers like me. I agreed at first I would still shop with Pier 1, and just pay by cash or check. However, a group of are now not willing shop at Pier 1 because of Chase. The best they could do was to give me an extra 2000 point towards purchases. That is pointless. They sent me to speak to several people in the escalation department. A Waste of Time. Ruined my credit, have not have a job in 2 years, they always check credit history. Not getting unemployment, disability, etc. Cannot pay Doctors, prescriptions, groceries or gasoline.

However, Chase will not negotiate lower payments, and unfortunately since December I just couldn't pay minimums of $200.00 and more. I asked for help only for a time until I find work. I get approximately 40 calls a day into the evening seven days a week. The representatives are mostly from India. They start off very understanding and courteous but it all leads to the same they want all the payments including late fees and raised interest. I've asked Chase to close these accounts, and it's like talking to zombies. I am at my wit’s end and don't know what to do. I am willing to pay; I just can't pay the high minimums due at this time. I don't understand why most of the credit card companies are willing to work with their customers and Chase is like the devil, especially to a customer whose history with them was good.

I am so stressed out and can't sleep because I am late with these payments. My credit is getting ruined each month that Chase refused to work a payment plan out. By Chase doing this and tacking on all these additional fees I'm afraid I'll never be able to pay back what I owe. Damaged credit and chronic stress on top of losing my job after 15 years makes everyday difficult to deal with.

The bank is quick to find personnel to track any customer down 6 days a week if a payment is late or if there is a problem with your accounts, but it cannot provide services to endorse a three thousand dollar check when the customer needs it due to "weather conditions". This isn't the first instance with Chase where they have demonstrated that when they need something from a customer, there is no room for error. However, when the tables are turned, Chase holds a different view and doesn't care about a small customer's situation.

Today, I called again, because Chase closed my Amazon account which was in good standing due to the situation with the other account. I received a letter saying the first account was closed. I was told over the phone that my Amazon account was closed. This was contradicted twice when I attempted to resolve the situation today. The bank will reissue the check and send it directly. Chase refuses to waive the interest fees of $31, and has threatened to charge further fees if the payment is not received on time, despite the fact that I've told them when to expect the check.

They have attempted to mar my credit by reporting to the Credit Bureau. They were the only company who sent a letter to the car dealership with whom I purchased my newest vehicle (three weeks ago) stating that they did not recommend me as a good credit risk. I am cancelling all accounts with Chase. I refuse to deal with Amazon.com or Disney due to their affiliation with Chase. Chase does not care about their customers.

In December, the APR was still listed as %0. However, I just saw the Jan bill and it hiked the APR up to 9.6% and charged me a late fee of $119. Mrs. R. said they sent me a letter advising of this in Oct, but they didn't. They violated the new regulations and won't waive the finance charges. If you look on the internet, it appears they are robbing other people of their money too. First was a $100 late fee and now $119 finance charge. I have to now pay off the entire $14,000 balance or risk getting charged a 9.6% APR that I didn't agree to.

November of 2009, I sent payments on all three cards at the same time by snail mail. I sent the payments almost two weeks early. Chase posted the payments for two of the cards but conveniently lost the payment for the card with the most balance and least interest rate. I called them and used their offer to decline the interest increase and close the account.

Within a few days, I received letters saying they were decreasing my credit limit and closing one of the other cards. I went from 40,000 in credit to 4,000 in less than a month. When trying to get an explanation, I found dead ears to a customer that has done business with them for over 20 years. A company that does not care about its customers needs to cease to exist. Please everyone go to another company. I hate to have to leave Chase but they have made a choice to provide poor service and very poor customer relations. Unacceptable level of credit for a very loyal long term customer. They simply do not want to do business in the United States. Let them do business somewhere else.

Last March, I received information from Chase stating that they were changing our terms and that we could close the account to freeze it or it would go to a higher rate. I called immediately. The customer service person assured me that it would not affect my balance transfer rate but any new purchases. I believed her and left the card open for a positive reflection on my credit score. I checked the next month's statement to make sure all was well. It seemed to be. We have it on automatic payment and do not touch the card.

Thinking it was taken care of, my husband just assumed all was well (He pays more than the minimum.), and I assumed the same. Now, I am pulling statements for taxes and realize that they pushed the rate to 9%. I do take responsibility for believing them and not watching it every month but decided to call anyway to see if it could be changed. Thank goodness, I had the mindset that I would do my best to see if I could change it but knew it might not happen.

What transpired with their "customer service" was a sad and surprising look into Chase and how poorly run they are. If you ever state how you feel, they automatically take it personally. I told them I felt like it was a "bait and switch." The customer service person suddenly almost screamed into the phone. How strange that I am calm, the one it affects; and she is screaming, the one it does not affect.

Whenever I have called them within the past 6 months, their customer service was poor at best and never gave the correct information as I had to deal with issues multiple times even when they were supposed to be resolved. This was easy stuff like the correct name on a bank card or adding a tax ID number. I thought it was only on the bank account side.

The credit card division is far worse. After calming the customer service person, I explained the situation; and her response was that all notes on the files are deleted after 120 days and the customer service person actually suggested that I lied. I told her to look back at the statements and history herself, for it is posted. With lack of notes, there is no confirmation of the call last year nor do they care to keep their original agreement with me even though there is something there that says that my balance transfer rate is lower than the new purchase rate.

One customer service person let it slip out. Apparently, the 120 days of notes is not true either. When I called back to speak with a supervisor the second time, there apparently were no notes of the previous call. When asking their customer service person if there was something that could be done, her response was "if you cared, you would have noticed and called sooner."

I was stunned by her nastiness. I asked if I had, would it have changed. She said no. Wow, when did that become customer service? My response was to have her transfer me to someone else to talk to; she was too unstable and getting too emotional. She seemed to take it as though my call was about her, even though I kept saying "Chase" and the "company."

The next customer service person did not listen. He seemed to be doing something else and just patronizingly saying "yes" every once in a while, not always at the right time. When I called to speak with a "manager," the response was that he understood where the original customer service crazy women came from in telling me that "if I cared, I would have called immediately upon receiving my statement." My response to him is that this is not correct customer service response ever. What she or he thinks has nothing to do with customer service and you never respond that way to a customer.

I have trained customer service people for years as well as dealt with employee terminations of customer service people that acted better than this. Chase needs to either train or fire their customer service people. It is not up to her to judge another's life and pretend she knows who they are and what they are going through.

My only thought was how would she ever know if the person she is speaking with had been diagnosed with a serious illness, had major life changes like losing a job, deaths in the family, etc.; and this was her compassionate and understanding response. So unprofessional and such selfishness. Their job is an independent third party, non-emotional and non-judgemental representative.

It is not the customer's job to calm the situation and have the clear head. I find this a lot with Chase customer service. I spend more time reassuring them that it is not about "them" and they have no horse in the race, so why the nastiness? They hide behind the "big corporate" monster, act unprofessionally, and will not transfer calls to managers or supervisors.

It is obvious the employees know how to game their system to avoid detection and act incorrectly. When they do transfer to a supervisor, they transfer to someone who does not have a management title and those people in turn say that their managers do not take complaint or issue calls. What? Whoever heard of that in a company or customer service? It sounds like the lousy employees have figured out how to block complaint calls and keep their jobs.

I will not cry if I read that Chase has decided to reorganize and fire a bunch of their staff. I will hope it is these people. Time to pass the word and teach Chase a great lesson on how to lose customers. If they think they are too big to fail, we can help them by going elsewhere, so they can become a viable smaller company that cares about their customers again.

I am moving my accounts this week. Luckily, we do not have much left on that card so it will be paid off or balanced-transferred quickly. For those who are stuck for now, maybe all of us need to join you in sending letters of complaint to our representatives as well as those on the committee in congress currently reviewing credit card companies and terms. We should all send complaint letters directly to the CEO too. You would be amazed at what the top brass does not know about the operations of their own company. Even managers two steps up are usually clueless.

The tactic that upper management is using, is bullying its customers who were perfect citizens, who abide by the financial rules and laws, and yet, they are all being ** by big wig banks like Chase, because they can, and the laws allowed them to. What about my rights? It's my money after all. I have a $32,000 credit line with them, and I can't just wipe out my credit history. They know, we are in vulnerable positions, and they are stomping on our necks. Greedy! I am left between a rock and a hard place. There is no way out! The consequences are permanent debt, not to mention, added stress.

I was then mailed a "Zero Balance Letter" in addition to a "Closed Account Letter" from Chase. To anyone normal, this would be the end of it. Well, that old Spidey Sense tingles today (1/4/09). So I logged back into my closed Chase Visa account to find a $1.50 balance as a finance charge. Again, the Chase representative explained it could not be credited, and I would have to pay it. She explained it as a finance charge. On what?

Help! This entire experience is enough to make me never do any business with Chase!

In April, I made 2 payments which should have put me ahead a payment. Each payment was $150.00 and sometimes $100.00. I tried to tell them the due date was unreasonable. They said they would change the due date, but would not remove the late fee. I think I did request a payment change date many months ago, but it never happened and I did not keep on top of it. I requested a date change again and they have told me they could change the date due.

Boy, was I ever wrong. I was transferred to a total of 6 different individuals, three whom barely spoke English, kept on hold for a total of 45 minutes, disconnected twice, and finally was connected to a inexperienced, rude, sarcastic, representative named Phillip from Nova Debt Solutions who after one hour of asking me detailed, condescending questions, regarding my finances, work history, marital status, age, came to the conclusion, I should call Chase Bank and ask for, you guessed it...my accounts to be closed, reduce rate of interest, and establish a monthly payment I could afford!

Here I go again, upon calling again, I speak to Rebecca who rudely screams at me, "Nova Debt" is not connected to Chase Bank and I have no idea why Phillip suggested such. I informed Rebecca, that is was Chase Bank who had referred me to Nova Debt Relief...total silence...finally she replied, "I don't know what to do, we can you because you do not qualify for any of our assistance programs, perhaps you should file bankruptcy."

I was dumbfounded at this point and ready to explode! I will never, never, again do business with Chase Bank or recommend them to any of my clients. I want to work out a short term solution to make my payments until the real estate market improves. They have no interest in assisting me.

I told her that was shady business and I would seek out my government representatives and legal advice. I demanded she close my account. She said she would not. Then I was turned over to a recording which stated that Chase is nice to me but that I am not nice to them and that therefore I am not allowed to call them or ever to speak to them by phone. I was shocked. How rude! I didn't pay the bill that month, so the next month my rate is 30%. I am so disgusted. I just stopped paying altogether and now they are suing me!

I have no negative information on any of my credit reports. I have always kept my account in good standings with them. Not only did they decline the check after I deposited it, they lowered my balance from $25,000 to $3,500. This was all done after I deposited their check. I had just received a statement from them 2 days before depositing the check stating my credit limit was $25,000. The sad part is, I had deposited a check from them for $1,000 about 5 months earlier. If I was such a high risk, why wasn't my credit limit lowered at that time? I have over $1,900 EFT charges as a result of this. It was a case of bait and switch. They didn't honor their promotion which was already bad enough. But to lower my credit line that drastically is fraud nonetheless. I don't have bad credit plus I have always paid my account on time. They refused to change anything, claiming they don't have to honor their promotional checks. But why was my credit line decreased so drastically as if I were being punished without a valid reason?

On that initial appointment, I was made aware of several problems. I then called the bridal mall to inform them of the gown defects and met a lot of resistance, and was basically told it was my problem. The conversation got me nowhere. I then proceeded by calling my credit card company (whom I've been with for more than 10 years) and they agreed that I could dispute the charge. They instructed me to keep the gown until further notice. After months of explaining my story to a new representative each time I called, I was finally assigned a financial service advisor, Tiffany **. I initially wrote a dispute letter, then the bridal mall responded. I had to write 2 additional dispute letters based on their responses, which then led Chase to credit my account based on the information I provided.

Here is their exact statement: "Based on your claim, we credited your account for the amount of the transaction ($1,618)." I provided detailed pictures and another bridal stores measurements, which were different including my height! So not only did the dress have a defective pattern on the bottom, I was measured incorrectly by the Bridal Mall store located in Niantic, CT. I was also instructed by Chase to send an email to the store in September to create a paper trail because it became a he-said-she-said thing. In this email, I attached digital photos of the gown for the store to view. I provided these digital photos to Tiffany ** via email as well. The store actually responded in the email saying the gown border is incorrect and shouldn't look that way and offered a new gown.

I immediately called Chase for their advice. I told them due to the proximity of my wedding date, I was forced to purchase a new gown. The Chase representative told me that to respond by asking for a refund only. Chase told me what to write in the email. The store responded, saying "Sorry, we offered you a gown and you don't want it. Have a nice wedding!" The store also claimed that they inspected their gowns, which was another area I touched on because had they inspected the gown, they would have noticed the defective border. After a month, the store responded with photocopied, black and white photos that were beyond substandard that you couldn't even tell if it was a bridal gown.

They claimed this photo was of my dress and proceeded to claim that I cut 6 inches off the bottom of the gown and altered the gown to make my case! This made no sense because you can simply measure the gown (which I had done by the seamstress) and see that it measures 53 inches from notch to hem as ordered. At this point, Chase continued to instruct me to hold the gown until further notice (I also mentioned this in all my dispute letters). I briefly spoke to Tiffany **, who asked me if I cut the bottom of the gown off and I obviously told her no. A month and a half later, I received a letter from Chase stating "The dress was not returned to the merchant to allow them to address the issues or replace the gown. We were unable to prove the defects in the dress were the merchant's fault. The dispute amount will reappear on your next billing statement."

I did not bring the dress to the store because I was told by Chase not to! Talk about sinking your own customer! I immediately closed my account with Chase especially since I have left several messages for Tiffany ** and have yet to receive a response back. You would think that as a "valued customer" as they call me, they would have handled this situation much better. Unbelievable. I guess Chase also supports stores falsifying documents because that's exactly what the Bridal Mall did.

I'm so fed up with this bank. I've called and complained about the charges and they were very insensitive about any of the issues. They don't seem to value their customers. Every time I place a complaint, they are useless and unwilling to help resolve the problem. Is there a way to close a credit card without hurting your FICO score? It's unfair to allow banks like Chase ruin people's credit due to their unfair business practice. Everyone has financial problems and having a bank like Chase can make situations worse for most people. This has to stop!

I received a letter of notice that they closed my account about two weeks after it happened, which was illegal! Not to mention wrong! I was left stranded in a different state with a broken truck and no credit card! That was about six months ago. Recently, I just came across extra money and sent them 5,000 dollars to pay down my credit card. It brought my amount down to a little over two thousand. Then I find that they now have raised my APR! How is that possible if my account is closed and had been inactive for months. They don't even have my account stored online anymore. I still have my letter of notice of account closure, and it stated that my account APR will be left at what it was closed at until the amount was paid in full because of them closing my account.

Now suddenly I pay almost all of my amount off and they raise my APR!? That's illegal. I called and tried to speak to someone who just kept telling me to mail a letter in and they will start an investigation?! For what?! They should investigate their selves! The representatives are like programmed robots! And they pretend they don't hear you. They just keep repeating the same thing over and over. Ya like we don't know that your reading something to me! They are not willing to work with you and just ignore you. Not to mention, they ruin your credit history! And then they blame you for it! I think some major legal action has to happen to stop this horrible behavior that is allowed!

The next day, I discovered they had made another opportunity for themselves to make more money by leaving $1 in the account to accrue more finance charges. I sent a check to pay any more charges, and now appear to have a credit in the account, which I had demanded be closed. It was also registered on my credit report as being closed by the credit grantor. And obviously, after a letter on Dec. 14, 2009 to let me know they had good news for me that I qualified for the Re-age Program and my account was no longer past due, they would update my credit record to reflect my account was in good standing.

This makes me furious. I was paying the whole amount of my bill in August and ended up with a bad credit report out of it. Any financial credit grantor should not be able to ruin credit like this. I have worked hard to build my credit, and was trying to make sure it was paid. They emotionally upset me and my family, and caused financial difficulties at Christmas time. We couldn't go on vacation because of the extra money we had to take out for their fees, not a lot, but enough to keep us from going and doing what we had planned.

Get out! Really? I thought that was the point of an EFT. At the least, it should have been posted the next business day as they had been doing up to this month. Lord only knows how early you have to have your payment there for a paper check. Not to mention allowing for the mailing time. I informed her that these charges were unacceptable and ridiculous, and if they were interested in keeping my business, I would like the charges waived. She said she would have to review my account. The charges were waived but now I have a major concern about whether they will get around to posting my payment on time. I suppose once I use my travel rewards, I will need to change cards.

Cash is great, but if you go anywhere in this world, you just can't operate without a credit card anymore. Watch out, folks. Know how you're paying and how long it takes the money to get there. Too much of a pain to straighten out, and if they even question you in the least, you'll likely be in for a painful and expensive ride.

I informed them that attempted fraud is a crime and that this act of fraud might be part of a series of frauds in my workplace (not sure) and that I need this information for our own investigation in which they then responded "We have assigned an investigator." I said, "When were they assigned?" They replied, "Now." That is three months after the first time they said someone had been assigned.

And then 6 months after the fraud attempt, Chase tried to sell me a special Fraud Protection Package. But still, there are no details on the attempted fraud they claim to have occurred. No report from an investigator. I sent an email to their Customer Help link, and they responded that they can't help me. Has this happened to anyone else? I am canceling my card account with them pronto!

DRS essentially lied to me, and Chase never responded to their proposal by phone or in writing to either DRS or me. I started receiving collection letters from Chase in 06/2008 saying that I was $861.00 behind and due immediately despite the fact that they had documented evidence of my disability and loss of income. They had simply ignored the hardship proposal despite having received payments from DRS since 04/2005. Chase eventually gave me a new balance liquidation program in October 2008. But that did little to the damage they have done to my credit report from 04/2008 until 08/2008.

I am a finance manager, and I know the closer you get to your credit line, the lower your score. Since they have lowered my credit line closer to my balance, it has resulted in my credit score going even lower, making almost impossible for me to qualify for any good rates in the future. Now since they have increased the interest rate and started to collect more of a principal on a monthly basis, it's making it harder to keep up. I would like for a lawyer to contact me. The banking industry almost ruined the financial well-being of the country with all the bad mortgages they wrote. Now they're doing it again with credit cards.

Unfortunately, I was so busy trying to find a better rate that it lapsed by two days and on June 24, 2009, I contacted their customer service dept to see if I could close the account and hold the interest rate at 15.99%. I must have been on the phone 45 minutes in total. I had spoken to several customer service reps each time having to repeat myself that I finally got so frustrated I escalated the call to a supervisor and literally pleaded with them to not raise my APR. I explained that I had been a loyal customer, to check my account to verify that 90% of the time the payment was made in full, and those times I couldn't, I always paid much more than the minimum payment due always paying online a week well in advance of the due date and sometimes making more than 2-3 payments a month.

It didn't matter that my credit rating was 762, that I had a great payment history, that I had been a loyal customer almost 10 years, and gainfully employed. In fact, I had a bonus coming in August that would pay off the full balance due, yet they denied my request to keep my APR at 15.99% so I closed the account and my APR was hiked up to 18.24%. In November, I paid the entire balance due; however, the payment was received one day late. The following day, I was charged $37.95. Again, I called Customer Service and pleaded to waive the $37.95 finance charge and their response was "Sorry, we cannot." When I told her I would be closing all my accounts, she simply said, "Is there anything else I can do?" I told her that I hated Chase and I hung up.

This is clearly wrong as the original amount in dispute was reversed out and they are only penalizing me for not having the ability to clear it up within the 90 days time frame. If the vendor had been more responsive, there wouldn't be a problem, but they weren't. Now Chase has not only denied my dispute after investigating it and demands payment on the balance, but this has affected my credit rating and changed the credit limits on my other credit cards not controlled by Chase but who look at my credit reports.

Again, we have made the amount within each month. As of 12/16/09, they have now put us back to 29.99% interest. I did call them on 11/20/09 as a courtesy call to inform them it's their mistake, not ours. I then was told that my husband had to answer some new money questions and they would review to see if we are eligible to re-sign up for their program. At this point, we can't pay our lawyer for new services and I don't know what to do. I have proof that we have made a payment in the amount every month. Please, is there someone who can help us. I also want to mention that we are struggling to make these payments, but we didn't want to have anything go wrong with our agreement. Thank you for your time.

Besides the fact it was harassment, it ran up my cell minutes, and this particular time it was worse because I was in the hospital for a series of stress tests also with family, friends and the occasional benefits people trying to reach me by phone as well. I don't have a Chase account - never will - but what about prosecuting them and/or the person who knowingly used my phone number? So, I began calling them repeatedly for an hour on 2 lines until I finally got to a supervisor and asked them to remove my number - they said it would take several days (which is unacceptable) but then said they had no record of my number in the system. The Chase Bank group at the very least owes me an apology and quite frankly should pay me damages for harassment and the hassle.

My credit score is 750. I have no other debt. I have a car loan with them that I pay off religiously. When it is finished in less than a year, I will never finance a thing with Chase. I would rather take a unicycle to work than finance though Chase. I have zeroed out all of my other credit cards, thankfully. I really think that in this environment where the consumer is getting nailed to the wall from fifty different directions, cash is king. If I need to buy things on the internet, I keep a separate bank account with a little money in it to be safe, and use a Visa debit card.

I cannot believe a company chooses to treat a customer who has never been late, always pays much more than the minimum due and doesn't abuse their credit this way! I feel like I am being held hostage. If you take over a credit card company, I don't think it should be legal to change every part of the initial card agreement that a person initially signed up for. They have changed my rate, limit, minimums due and I now see a new notice that says they can lower my limits again and if they decide to lower it below my current balance, they have the right to demand full payment and over the limit fees immediately! How is someone over the limit when the limit is changed after the balance is there? I am at a complete breakdown point with this company! Run away from these card "offers"!

What you can do is call customer service and tell them to give you an estimate on what credit card company like to call "retail residual finance charges" would be. After that, throw in an extra $1 or $2 to be safe. If the reps tell you they cannot waive a fee for you, then they can't. Honestly, they are not reading from a script. Their system will not allow it. Sorry, it's something that was put in place. Some of you abused it too much! You know who you are! Calling in the past every month and asking every fee to be waived, finance charges, OL fee, late fee, cash advance fee, foreign fee. Yeah people, we could tell how many times you called and what dates you called.

Please just get to the point of what you need. Same old story we hear. It gets old - I went on vacation, I didn't get my statement (but you can send in a payment to your car loan home loan without a statement Hmmmm!). Why can't you people just call customer service that's open 24 hours, 7 days a week, and yes, even open for every holiday to get your balance or minimum due? Excuses, excuses. If there's been a death in the family or hospitalization, then that's different!

I was able to pay off this card recently and they tacked on another $229 after I paid it off. I asked that they reduce my balance to 0. They told me the $229 charge was interest from months ago and that they were also charging me a late charge after paying this enormous balance. I told them I wanted that card closed immediately! The rep then threatened me by sternly telling me that they would notify all credit bureaus immediately that I had closed this account and that it would negatively affect my credit. Whether this affects my credit or not, I refuse to have Chase Bank threatening me and am very relieved with my decision.

I called Executive Customer Service. I even wrote a letter to VP of credit cards at Chase. I was contacted by higher office. Regardless, there is nothing they can do and it's all my fault. All my cards now look like I maxed them out. I am sure next month Chase will check on my credit report again. They will find ruined FICO. Why? Because they are the ones that ruined it. I cannot believe this. I am transferring out to another bank and over my dead body will I ever use Chase card again, the worst bank ever. Their behavior all the way to executive level is criminal to say the least.

I calmly explained that I had not received the bill. As I am the only person who has contact with my mail, I know positively that the bill never came to my house. I was transferred at that point to another department. I explained my circumstance again, requested that my bill be sent to me, and asked for the late fee to be taken off my account. I was told, "We are not allowed to waive the late penalty," but if I paid my bill over with phone using my bank card, they would waive the $14.95 "phone payment fee" and that I could use my Chase card again immediately. I explained that I was only interested in disputing the late fee. I was again transferred to another department. I explained my circumstance a third time, asked for the late fee to be waived, and promising Chase another large check as soon as I got my bill.

It was at this point that I was told that I had signed up for electronic payment. I was shocked because I never signed up for electronic payment; I pay all of my bills by check using the U.S. Postal Service. I was also bewildered as to why the first two people I spoke to at Chase did not mention that this was the reason I had not received a paper bill. I explained to the gentleman that I did not sign up for this service, and expressed my concern over a breach in the Chase computer security systems. I was told that this was my mistake, not theirs. I was told that I "must have signed up for electronic payment accidentally". I was again told that the late fee would not be waived, though if I paid my bill over the phone immediately, the phone payment fee would be waived.

Frustrated, I explained that I would not pay a $40 late fee for a mistake on the part of Chase. I said I would be happy to continue to make my payments, as long as the late fee was waived. I was again told this was "impossible". I informed the gentleman that I would indeed transfer my Chase balance to another company if the late fee was not waived. I was told it was my job to pay my bill by "the 29th of each month" whether I received a bill or not and that the late payment penalty was justified. Seeing I was getting nowhere, I hung up with Chase.

I subsequently checked my e-mail. In my Spam box was an e-mail from Chase titled, "Bridget! Pay your Chase credit card bill with Chase Online!"; it was dated November 24th. After one more unsuccessful attempt at explaining to Chase that I had never signed up for electronic payment, I terminated my Chase account. I have since switched my Chase balance to Discover. I am left wondering just how many people are assessed a $40 late payment fee after not receiving their paper statements from Chase because they have been magically and mysteriously signed up for electronic payment. Is there a breach in the Chase computer security system? Or, is it merely an underhanded attempt at fleecing unsuspecting Chase customers out of $40?

This continued for months. New people would call as some callers swore and called me a deadbeat and that I needed to be a man and own up to my debts. We finally got a pre-paid legal service who sent them a letter in 6/2007 to stop all contact and send verification within 30 days or remove the debt from all major credit reporting bureaus. In 2/2008, we received a letter from Chase's fraud operations in Phoenix, Arizona with an application that expired in 5/7/2001. We sent back the request form, as by this time, our pre-paid legal service had become a problem and still is. Then the account was given to the other law firm who briefly pursued it. As we never heard from them after showing what resulted from the last harassment, and it still remains on my credit. Now I have to deal with another ongoing HSBC account that has been taken over by its fifth law firm, as I do not understand when it is supposed to end with the first proof of not owing the debt.

If anyone wonders why I would not stay on top of this problem, it's minor compared to getting hurt for the 2nd time on the job (w.c. denied), losing my home by letting a foreclosure attorney be under the defendant's side in court next to my name, courts not looking at my evidence of another debt collectors client double billing the insurance company and me, then taking out an unwarranted and unlawful stalking and trespassing charge on me and my wife. Garnishments are already in effect for a debt that should have been paid by order of the state, and believe it or not, there is a lot more, which is probably why I always seem to get your time has run out [even if debt collectors (I don't owe money to) can harass me for years] or that it's too much or too complicated, and that a job I have destroyed myself to keep (for 11 years) fights my injury.

I'm told I would be better off being fired, so I could get un-employment. Having kids, even though the fight goes on for mandatory insurance, it's a must for us and I want to work for it. I'm just sick of big companies with all the money, taking the scraps that I'm supposed to raise a family on, literally (another story in its self) straight from my banking account.

When I received the new cards, I went into a rage because they were Sapphire. I called Chase, asked to speak to a manager and was given Jennifer **. I told her I was extremely upset about Chase trying to trick me into switching to Sapphire. She said the company charging the $50 was suspicious. I advised I seriously question the honesty of Chase because the suspicious charge was not mentioned until I said I would not use the Sapphire card. If there had been a question about it, that would have been the first thing the rep would have mentioned instead of trying to activate Sapphire cards with the same account number. I advised Jennifer I no longer trust Chase and will switch to a competitor's card - which I immediately did. Chase is not a company I would recommend to a friend.

I advised we are having hardship with medical bills this year, and it is not right for them to charge $39.00 fee. That is like charging 155% interest. The supervisor was not empathetic at all. He advised right away that the account could be closed in the next month. They will not waive the fees. It is really up to me to close account. I advised I knew their call was recorded and that they should use this call to be listened to for anyone because they will hear firsthand the company they are working for is loan sharking. This is my wife talking on behalf of myself. She is more patient, and she just lost her cool because of how bad they were treating me. I am upset, because I would have paid an extra $2.00 had I known on 11/14/2009 when I called in the first place. Then I would not be going through what I am going through today.

On countless occasions, they would continue to send my billing to the old email. I complained again and again and again that they check their records and see that I had changed my address. The last straw was when they did it again and assessed another late fee of $39.00 to my account. I called and asked them to waive it, and they refused and told me I would have to write a letter to the PO Box in Wilmington. At this point, I was steaming. Then Chase decides to raise my interest rate from 12% to 20%, and when I complained on the issues, they sent me a cancellation notice to cancel my credit altogether based on something they said was on my credit report. My credit report status has not changed from the time they granted me credit. In fact, it has gotten better - my score is very high.

I mailed a complaint letter dated September 5, 2009 and gave them 30 days to respond and 90 days to resolve the issues of waiving my late fee, restoring my credit which was cancelled for no good reason. I also believe I was discriminated against because I am an "Asian-American Pacific Islander" because of the way they talked to me over the phone, like I was not sophisticated enough to understand. I have not had a response to date. Chase is a bank in financial trouble due to their own transgressions. They are compounding their continued demise with arrogance and increasingly poor customer relations.

In spite of following all those for your protection rules, my United Miles credit card issued by Chase Bank was blocked couple of months ago because of some suspicious activity on my account. That activity was $1 (one dollar) place holder charge for Microsoft Hotmail yearly subscription. It turned out that the charge was a duplicate that was later removed automatically by the issuer. Regardless, my card was blocked. I expressed my strong objections being just about ready to go on a trip abroad and explaining what would have happened overseas if I were to go with a blocked credit card (naturally, you need to take more than one credit card although they all tend to suffer from the same disease). For people who don't travel too much, I would mention that finding a public phone, especially one that works overseas, is akin to receiving Noble Prize. Also there are no toll-free numbers that work overseas or an operator that happened to speak English.

The Chase Bank customer service representative said the usual - that they do it for your protection and they would make a note in my account. Naively I thought that finally they got it. Think again! As a believer in the Russian proverb that Ronald Regan quoted prior to his historical visit to former Soviet Union, trust but verify. At the end of each month, I check if my credit card balance is being paid from my bank account (I have automatic full balance payment setup). Surprise! I could not even get to the web page to see the account activity.

I called the customer service where I was bounced several times until I got to the security division somewhere overseas. I don't think that Chase Bank invests enough (any?) resources to train those people in those parts of the world about what is expected from a customer service in US. They began by telling me that my credit card has been cancelled and the good news was that a new credit card would be issued - a new card with a new number when I had this credit card connected to a myriad of accounts for automatic payments: utilities, security, bridge tolls, subscriptions (some deducted once a year, easy to overlook). Well, you get the picture.

I asked for an explanation and the representative said there was some fraudulent activity on my account and there was a charge for a hotel in Canada. You mean, I cannot travel abroad? "We do this for your protection." Who reached the conclusion that this was a fraudulent charge? It could be our bank or some special agency. I said, "This is unreal, since when Chase Bank decides what constitutes an unauthorized charge on my account is?" (pause) I want this account closed. I was transferred to another person who told me menacingly that "we are going to report to all three agencies this." I thought that the old time when we travelled with the packets staffed with cash were long gone. Now we cannot even make a charge without asking the bank for permission? More disturbing there is hints that if you don't generate enough revenue for Chase by not carrying a monthly balance, you are not needed.

A second call indicated a letter was sent on Dec. 7th, 2009 to inform me that the account was being closed (I've not received the letter as of 12/10/09). I've never been late paying on the account. The previous month, the account had been paid in full. I don't question the business decision to close the account based on credit information. I do, however, question the lack of notification. Unfortunately, there seems to be no requirement that credit cardholders be notified prior to an account being closed. This lack of regulation needs to be addressed, probably at the federal level.

Yesterday, I received another form letter essentially saying if you can't prove to us that we should charge you 10.24%, we will keep the 21.24% interest rate completely back, peddling on the conversation with John. Now the obligation to prove is on me. I am going through my records to find previous paperwork such as WaMu original offer or Chase previous correspondence and by God, I am looking for a good attorney to sue these thieves come rain or sunshine. I did not record the conversation with John. I know they did record it but I am not surprised if they will destroy such evidence.

My complaint is that I paid this bank a lump sum of money, $2,500.00, towards my bill of approximately $4,500.00. Then after I paid them the money, they lowered my credit line without telling me. Oh, probably they sent out a letter, but we all know how that goes. One day when I went to use the card, they declined in front my date. That was quite an embarrassing moment to say the least. They are refusing to lower the interest rate, and I only owe them about $1,500.00 at this point. I will never again use J.P. Morgan Chase again. The lady on the phone also gave me another point of contact, and that was The Office of the Comptroller of Currency. I will find out what good if any that will do tomorrow as well. By the way, their phone number is 1-800-613-6743. I think that Chase is a predator of sorts. I think that they oversell their product and under-deliver it. This will ultimately cause them to fail. Fact is, you can't bury the consumer without ultimately burying your self.

Everyone is so scared right now, and nobody knows whom you can or cannot trust. I am only a small business man, and I am getting literally eaten alive by interest rates, bank fees and taxes. It's gotta slow down or else I am going to go under. I do not have much respect for Chase anymore. I think that they only care about their selves. It's said that people cannot work together to make our country strong again. If the current attitudes continue, these giants will send our country into a tailspin once again. Our government would have been much better off giving every American head of household $100,000.00 to start fresh again as opposed to lending out all of this money to big companies and banks. It has not accomplished anything as of yet.

Did it ever occur to anyone that we are trusting the wrong people with our money? Whom can you trust? Nobody but yourself. When you can add up the interest rates charged to you by 8 major credit card companies from Bank of America, CITI, Discover, H.S.B.C, among others and you could have paid off the balance on both auto loans, then you know that something is seriously wrong with our country. What are they going to do to make money after they have forced all of us into bankruptcy? Everybody is fee-crazy and interest rate-crazy. They gotta slow down on this type of thing. Hope God answers my prayers and leads me away from the Devil's plan. In God's name, I pray.

Please let me know if I have any options here. They were scripted in their response and offered no help at all. Bottom line, do I owe a finance charge when I paid a balance in full prior to a due date? Thanks.

I wrote back asking for detail as to the late payments and was told Chase was in error and that there were never any late payments. They were now saying that the interest rate was raised due to a review of my credit report. I subscribe to several services (Equifax, etc.) and monitor my credit. I was just approved for a car loan and have no blemishes on my report. As noted, my FICO is over 700. I wrote back to Chase and asked for a formal review with a case number assigned. They responded by telling me the reason my interest was raised was that I was one day late on a payment. They supplied details.

Apparently, the due date was on a Sunday and they did not post the payment until Monday. My bank account (also Chase) shows the payment made on a Sunday. I am at wit's end. I have closed all my banking relationships with Chase, but wish to file a complaint, maybe with the NY Attorney General's office. The only reason they did this was to gouge consumers before the new laws go into effect in February.

They have been very difficult to deal with. They did credit $1.00, which added to my anger. I have done some research and found that people have had the same problem with Chase and that once their problem was presented to the attorney general in their state, Chase was told to make corrections to the accounts and/or refund the fees. I have not made any payment as of this time and have been in touch with Chase 3, now 4, times but they continue to harass me for payment. Please let me know what to do.

Finally, after pleading my case, it became apparent the customer service rep and supervisor were not customer service-minded. They would not adjust the charges, even though they could see I paid timely and paid the overage to avoid the "over-the-limit fee" before the "due date". The 2nd payment however did not post because of their 3-day hold! I am changing banks now that Chase closed my line of credit account without notice on 10-23-09, when they completed the merger of accounts. The banks are hoarding money and racking up fees that will be unlawful come February 2010. With credit being so tight, the little people are struggling to pay light bills, gas bills, food bills and minor repairs on home or car. The 30-day float of extra funds is seriously thwarting economic recovery. And the retailers are hoping for us to bring them back into the black. Seems to me the banks are holding the money hostage until they make their margin.

10 minutes of being on hold later, they came back and told me it was denied! Well I am definitely looking for a way to get this CC paid off as fast as possible. After a transfer of funds and canceling 2 cards to this, at that time was WAMU card, I was extremely happy with it. 6 months later, Chase buyout took place, and they don't process my WAMU payment through their Chase system, which once again my answer was and I quote, "Sir, there are other ways to pay your bill. If you would have sent the payment through the mail in a timely manner, we would not have raised your rate from 0% APR to 28.9% APR."

This is the worst service and experience I have ever had with a company, and it seems that even if I try to pay it off, they will get me again somehow. Plenty of bailout money and laws to protect these institutions that we can't live without, but it seems that for us, the consumers, the opposite is true.

I understood that this issue was resolved and my payment would be recorded as paid on time. However, when I received my next bill, Chase had charged me a $39.00 late fee and raised all of my rates (2.99%-3.99%) to 25.99%. This raised my interest payment from $95.10 to $380.65. As soon as I received my statement, I called customer service (upset) on November 30, 2009. The customer service rep told me I would have to talk to a supervisor, and that is when I talked to Ron (they do not give their real names). He was rude and of no help. He told me that he would review my past telephone conversation and determine whether I would get my rates back and if the fees would be dropped. I told him that I wanted to talk to his manager, and he just gave me her voice mail (I left a message, she did not call me back, but Ron did).

I called back customer service and talked to another representative (told her the story). She said she would fix the mistake but could not because somebody had put a hold on it so nobody could change it. I asked if I could talk to another supervisor, and he sounded like Ron but used a different name. You would think Chase would be an honest card company and monitor their management more closely. This matter has yet to be resolved, Chase said they would give me an answer in ten days and I should just make the double payment. Ron also told me that there was not another person with more authority that I could talk to.

Well I called today and spoke to 3 different reps, who all advised me there is no such offer on my account and the company is in a lock down and no accounts can have the APR changed. I proceeded to ask for a manager, who then redirected me to customer service because she did not have paperwork on the lock and it's longevity. When I spoke to the final rep, he again advised me of the lock and said it could be in a lock for the next 60 years. I understand the economy is in a financial repression. But I don't understand with all of these companies getting bailouts why people like me, who pay their bills on time, are forced into APRs that force us to stay in debt.

Now here I sit with no evidence of this card closure on my credit report and no credit card account. Thus, I wrote that letter requesting information on my account with physical proof of a summer 2009 statement and a photocopy of the card itself that does not expire until March 2010. Has Chase been so careless as to completely delete my account from their computer system? I need an answer because I have done nothing wrong on my end and it is simply not acceptable that the representatives shook my "disappearing account" off as "no big deal."

Chase is a corrupt, deceitful company. One of the worst financial institutions in our country. I have little faith that I will hear anything back from this letter and they will just force me to accept the "disappearance" of my account!

This is ridiculous! My telephone works and I read the mail that comes in and I have not moved in 10 years, so why am I just now finding out about this? Who can I complain to? My credit is already negatively impacted! They say they record phone calls and I asked them to find the call I made to them and listen to it so they could hear me mention several times that I want to pay the card off in full! This should be illegal!

I left a $40 balance in there and have asked my husband to use the card for a small $10 purchase this week to see if the activity and small remaining balance will keep us from being canceled. His score will be negatively affected by the closure of such an old (WAMU) card as he's not from the US and has a much shorter credit history. We have never had a payment to any loan or card even one day late and always pay well above minimum. How can a company like Chase jerk around responsible credit users like ourselves, who treat our FICO scores and financial responsibilities with the utmost importance? I am disgusted and the axe hasn't even fallen yet. I know it will.

With the economy dropping last year, my husband lost 80% of his income. I was no longer able to maintain my debt program. I informed Chase but they would not help me. I don't know if there is any class action suit regarding this or not. Chase told me they were allowed to adjust APR or credit limits whenever they saw fit. My husband lost his job in October. I offered to pay Chase $50.00 per week but they would not accept anything less than $120.00.

Late last night, I received an email from Chase (a personal email from Chase!) stating that they were happy to honor my request to remove me from any and all communications and detailed the process in removing me from phone, email, mail communications. Funny that as soon as they learned that I am on to their illegal business practices, they immediately address the fact that they're happy to cease all communication don't you think? So I still do not know when my new payment date is and now I'm supposedly removed from all communication from Chase, which I'm guessing will result in me never finding out.

I explained to her that I had not received anything for that account and that I have 6 open accounts, which I have all the paperwork for that they recently sent out and online in my statement history, whenever Chase sends you documentation on your account, it's notated next to the month it was sent out by Chase and nothing was there for the month of August, only for June and October. Her reply after that was and I quote, "I'm sorry sir, but we at Chase don't have any control over the postal service and what they don't deliver. Your rate is changed and there's nothing we can do about it now, and even if I transfer you to a supervisor, they're going to tell you the same thing.

So I'm writing a letter to their credit division to see what kind of bogus story they're going give me. Who and how can we stop this from happening to other consumers?

I called the fraud department and had the alerts removed. Later, when I went online to look at my 3 accounts, only one account (the one that had the declined/rejected charges) was visible. After almost 2 hours of phone conversations with everyone from customer service to Internet services to security to fraud division to online services and then back to fraud, I was told at every step that while the alerts were cleared from all 3 accounts, it would be 5 business days before I could access the accounts online!

No one had any explanation beyond the fact that "the system works that way." When all was done, I logged online again, and now could not see the account I could still see before the "fixes" were done. Another trip through the fraud division at least yielded the address to which I could write a letter to complain about their procedures. No one would give me a phone number or an email address I could use to get timely attention paid to my valid complaint.

I called Chase as soon as I got home to see what was going on with my credit card. It seems I completely overlooked my November payment. That never happens. I made an honest mistake and I am being penalized after years of an excellent record with the three companies of never being late, overpaying limits, but they have no mercy when it comes to one mistake. You would think after 8 or 9 years of having this credit card, which changed for the third time, that they would give me a one time courtesy and not report this to the credit agencies. I made my normal payment early today and sent another $100.00 to catch up with last month's mistake.

I admit, I totally overlooked November but in an attempt to make this right, they were rude, relentless, unsympathetic and just downright robotic. I understand I am just a number and they hear every excuse in the book, but if my account wasn't in great standing before, I could see they would not honor a one time courtesy that was my mistake. If it were the other way around and they made a mistake somehow, it would be all right. I'm just asking a simple question, just please check my previous pay record and then judge whether they want to give me that one time courtesy. But to say no and hang up on me, I had to write this letter. Thank you.

I had just bought some stock so my checking account was lower than normal, so when some unsolicited convenience checks arrived for the first account with $11,000 of available credit stating I could write a check for any amount up to my limit, I opted to write a relatively small check for $1500 till payday to cover some Christmas shopping and deposited it into my account.

Since I check my account every third day via the net, I discovered a week later that my credit line in account one was reduced to $9100 without notice, a credit loss of $11,150. The second account and the longest history across 3 card issuers had a credit line of $16,900 with a balance of $885. It was reduced to $1200, a credit loss of $14,200. The 3rd account had a credit line of $4,500 and a balance of $1400. It was reduced to $1700, a credit loss of $1400. This is not much but is shown to reflect a pattern of unconscionable action and behavior on the part of Chase. All this because we used a relatively small convenience check which would still have kept my open credit on the account under 50%

I had a credit score of over 700, a clean record, nothing reported as late on any account that I have. I had two WaMu/Chase credit cards, one had a low limit of $900 for some reason, the other had a limit of about $4500. The one with the higher balance was my main credit card. The other cards that I have I only still have open because when I previously tried to close them, I was told it would only hurt my credit to close them. Fine, I'm okay with that if I'm not paying anything on them.

One day, I came home to two letters in the mail saying that both of my Chase credit cards were closed. The reasons they gave were completely false, and did not in any way match up with my credit report and credit history. I called Customer Service and was treated very poorly for one, and two, I was immediately shut down and told to call Experian, the credit reporting agency. Stupidly, I did waste my time doing this, which took 4 days to get a hold of someone since I had to wait for them to give me a claim number before I could speak with anyone.

Once I got a hold of someone with Experian, they explained to me that they only house the information that the credit card companies give them, they have nothing to do with any decisions to open or close an account. This is, of course, true. She also said that they are filing a complaint with Chase Bank because they, Chase, was apparently just passing the thousands of insanely angry customers to Experian and wasting all of their time, just so Chase didn't have to deal with them and face the music.

I called Chase for a third time, and for the third time was continually interrupted, the same inaccurate information was repeated to me. I demanded to speak to a manager, and he refused to let me speak to a manager. I called a couple more times, and the same thing happened every time.

Both Chase credit cards were closed involuntarily and both had a balance on them at the time they were closed. And the interest rates were raised to 30%! This killed my credit score. And again, both cards were still listed as "in good standing" on my credit report! The card with the lower balance was nearly paid off because I had been making two payments a month (by choice) in an effort to expedite getting it paid off. Yet, one reason they listed on the closure letter was that I was carrying too high of a balance. On the other letter for the higher limit credit card, they listed something along the lines of "excessive late payments" or something else completely false, but again, my credit report states that both accounts carry a clean record. So now, I am using more credit than I even have available to me. This has resulted in one other credit card I have now been forced to use to lower my limit, and I am completely unable to obtain a new credit card from anyone (yet Chase is still sending me offers!).

Since all of this took place, I have closed my checking and savings accounts with Chase and moved to Bank of America who I've been very pleased with (though, none of them are perfect right now). When I closed my accounts at a local branch, they told me that my online profile would be deleted as well, meaning I would no longer have a way to log in to Chase.com. Fine by me(!), until, just the other day, I received an email from Chase stating that my payment date had changed. It didn't say what the change was, or when the new date was, just that it had changed, and directed me to Log In to Chase.com.

I nearly lost my mind. I called Chase and they told me that I would have to log in to see what the change was. I explained and was yet again, as always with Chase, treated with such disrespect. I knew immediately that Chase changed my payment date in an effort to rack up even more charges from me. Just today, I read an article that changing the payment date has been illegal since August of 2009. It's now November. How they think their customers are so blind and stupid is beyond me.