Chase Credit Cards Reviews

Chase Bank warning: I had done all my banking in the past with WaMu and was very happy with the customer service over the years. When Chase Bank bought out the troubled WaMu, everything went wrong. Customer service went downhill, requesting a lower interest rates on credit cards never happened and that big corporate corruption feel came into play. Chase will find one weakness in your banking or credit cards and prey upon it. I have switched banks now and things are much better.

Increase of minimum payment to 5% is unsatisfactory. Abide by the original contract.

I did my banking and had a credit card with Washington Mutual for many years and never had a problem. Washington Mutual was, of course, swallowed up by Chase. I recently got a new credit card with another bank. I am going to cancel my credit card with Chase. I do not trust them!

I, apparently along with everyone else in the country, am being punished by Chase. I have never missed a payment and usually paid more than minimum amount due. Their reward was to change the minimum monthly payment from 2% to 5%, and increase their interest rates.

Chase raised my minimum payment from 2% to 5%. This is on a permanent low interest rate, until the balance is paid, card that I accepted their balance transfer offer on. Their "alternative" program is to keep the 2% but give up the low rate. Now why is this up for renegotiation? Based on Chase's willingness to accept the 2% minimum payment on higher interest rate balances, it appears that Chase really wants to raise the interest rate, not the minimum payment. I can't afford the increase in payment, so I am forced into the higher rate. I must give up the lower interest rate in order to afford the monthly payments. This will ultimately cost me thousands (not exaggerating) of dollars over the course of payoff. Sign me up for the class action lawsuit!

I've had a credit card with Chase for about 3 years. I had a late payment over a year ago and they raised my APR to 29.99% I called at the time and explained that I had lost my job, and they told me there was nothing they could do. I haven't had a late payment in over a year, have a new job and called to request my APR be lowered. They took about 10 seconds and said there was nothing they could do. Chase is by far the worst bank to work with. I called both Bank of America and Citi who I also had credit cards with, and they both lowered my rates and thanked me for being a good customer.

Chase took over WaMu. I had a credit card with WaMu. On that card, I paid for 2 years credit protection. I lost my job last Sept. and activated the program and have a letter to prove it. Chase took over, started billing me and now has sent me to Collections. I have tried to explain but no one is listening.

I have been a customer of Chase credit card services for over 18 years. 10 years ago, I started a checking account with overdraft protection. They have always been somewhat reasonable in helping me manage my credit cards. For the last several years, I have been making my payments on time and more than the amount due. That's what I was told to by their credit advisers. I have three cards with Chase. I have been punished for late payments, going over the limit, you name it. I learned the hard way, but now I'm in my 40's. I'm an adult with a fantastic credit rating and a perfect payment history. I thought I was safe with Chase Bank. They advertised billions of deposits strong. Well, I helped make them strong with my past record.

A couple of months ago, I reported the fact that Chase, which inherited my card from Washington Mutual, which in turn bought out Providian, had cancelled my credit card. I had this card over ten years and had not been late with any payments at least the past four to five years. Then this past week, I received my Chase invoice for another account with Chase showing it had increased my interest rate to 50.1%. There was no apparent reason for this extreme usury by Chase. I haven't been late on a single credit card for many years, only used about one-half of my available line of credit on this card. I believed President Obama had initiated changes so that credit card companies could no longer commit this form of legalized robbery. I'm an attorney and feel we should push for laws outlawing this usury and theft, and seriously punishing companies like Chase for committing it, or pull their licenses to be in business altogether!

Like a lot of consumers, Chase raised my minimum payment from 2% to 5%. When I called and explained that I couldn't meet this minimum, they told me they could keep my minimum payment at 2%. However, the rates would be increased to 7.99% until April of 2011, then go to the current rates. I declined this and told them I had no intention on paying anything on this account! If I'm going to ruin my credit rating, why bother paying anything? It doesn't seem fair that Chase can change the rates and minimums in the middle of the game! I've told them to close my account and I promise to not pay a single dime on this account, unless they go back to my 2% minimum.

Chase erroneously charged a CC I have not used in a long time. About a month later, they realized they had made a mistake and took the charge off. The problem was there was $1.15 interest accrued from the charge that they did not take off. When the $1.15 was not paid, they sent it to the credit bureaus. I do not receive a statement for this card and never received anything telling me any of this. I would not have known at all except we tried to refinance our house. I have called Chase several times to get this removed from my report and to send me a letter stating that this should never have been reported and was not a charge I had put on the card. I have been told twice both of these would happen. Two months later, I still have no letter and I have no idea if it has been fixed on my credit report.

We have a Chase Platinum MasterCard. We were notified of a rate increase from a fixed 5.99% for life to 11.99%. I called and went up the chain of command. They said they could do nothing for us unless we fall behind on payments. We've never missed, fallen behind or been late. The monthly payment has gone up about $50.00/month. My husband is making less money (downsized, had to take lesser paying job). Our home has lost value and now the mortgage loan to house value is too high to switch to a different card. We tried. We'll likely fall behind now because we can't keep up. Don't qualify for a home loan modification. This is a mess.

My credit card APR went from 7.99% to 14.99%. I called to ask why such a big jump. I was told that a letter went out to me stating that there would be a fluctuation in APR and that if I had responded, I could have locked in at the 7.99%. I told the gentleman on the phone that I did not receive that letter. He said, "I'm sorry, there is nothing I can do." So now my monthly payment went from $242 a month to $260. I've always been on time with my payments. I just can't afford $260 a month. He didn't even try to make other payment arrangements.

Someone needs to stop Chase from doing fraudulent charges. I received a late charge of $39 and finance charge of $41 on my card on 9/26/09. My payment was due on 9/26/09. My payment was mailed with plenty of time for them to receive the payment. The payment was posted on 9/27/09 which was a Sunday. You can't tell me they get mail on Sunday. Who get's mail on Sunday? So they must have gotten the check on the due date of 9/26/09, but still felt it necessary to charge my account a late fee and a finance charge. I spoke to Card Members Service but they couldn't care less. They said that my check was dated 9/22/09, so that is when they felt I sent it. I always postdate my checks to a couple of days before my due date, because I send my checks out early and I want them to be able to post when they get there, but they used this against me and felt that is when I sent it out.

Last month, my APR was 7.99%. This month, it has gone up to 14.24%. I called Chase and they told me that I was in good standing with them and actually had a high rating but because of the economy, Chase is raising its rates on everyone. I have never been late with a payment since I have had my card and I pay more than double the monthly fee. How are they allowed to get away with this? This is totally unfair to me, a good paying customer. I was told that the rate would not be lowered even if I pursued the matter and talked with higher ups. It is outrageous that they can do this to the consumers who pay on time and have good credit. I have friends who don't pay their cards and are filing bankruptcy. This rate increase is unfair to me personally as a good paying consumer. The government needs to step in now and act on this.

I was previously with Providian with no problems or complaints. Chase has raised the finance charge to more than 31%. My husband and my mother also had cards with WaMu and their rates have also been raised to 31%. How can a company get by with this? They are robbing the consumer.

I closed my Chase credit card due to very high interest and bad customer service. I asked them 3 different times after I paid out the balance in full to close the account. They refused. The last time, I saw a statement of $65 for an annual fee. Furious, I called again and asked them to close the account. They finally did this and cancelled the fee. This was deliberate in the hopes I would spend again. This should be illegal!

I received late charge on balance of $900 of $59. I was one day late! I've had this card for 20 years, never late before. They refused to credit back the charge. I'm tempted to charge $59 then not pay the $59. Let them take me to court for the $59, or just close the account!

Chase took over my bank, Washington Mutual. They closed my credit card account and raised my interest on this now closed account to 24.24% interest. I've been paying $500 per month to get this account paid off on my good efforts. However, with Chase jacking my interest to over 24%, they still take over $100 per payment on "Finance Charges"! If you check my credit score, I have good credit! I don't know what the problem is with Chase and why they would treat me like that after being a long loyal member to Washington Mutual! I always pay my bills and always will!

I tried to make an online payment on the due date (10/2/2009), and when I did, Chase said in order for the payment to go through on time, it would cost me $14.95. Otherwise, it said the due date would be pushed back to the time of processing. So I simply made a payment as usual. Then today, the 7th, while looking at my account activity, I saw a $39 late fee. When I contacted Chase by phone, a rude woman told me there was a 4 pm Eastern Time cut off date on the due date and that I had missed it. She absolutely refused to take the fee off the account. I hung up. I then emailed Chase with the situation and they also refused to cancel the late fee even when I closed the account.

Last month, I paid off my balance of $70.89 and today, 10-7-09, I got a bill of $1.50. They raised my annual effective percentage rate from 11.24% to 130.15%. Why? They said it was business practice. I spoke to 2 reps on the phone and they each said the same thing - in order for them to collect fees from me, they did this! Horrible! I was never late, ever! They are disgusting to do something like this and they should be stopped.

I have a credit card (originally opened through WaMu which became Chase). I have had the card since 10/06. I had to use it for moving and such and have paid more than the minimum every month since. Please note, I haven't been able to use the card since mid-Nov. - as I had reached my limit ($750). I continued paying as agreed. Once Chase took over, I've had late fees, over limit charges, annual fees which caused the majority of the aforementioned charges. I ran a report today through my Bill Pay service to find that since Nov of 2006, I have paid them $1766.

Chase Credit card increased my minimum percentage payment from 2% to 5%. I've never been late on a payment since receiving the card and have excellent credit. When I contacted Chase to inform them I'm on a strict budget after buying a home, initially, they informed me I had no further options. After complaining enough and being disconnected three times, I was offered an option of returning to the 2% minimum payment at a 3.0% higher interest rate, and then after two years, the floor rate is variable with an additional 3.0% increase in the floor.

I have never missed a payment and always paid more than the minimum. I was one day late when my mother died. At the time, I was using 50% of my limit. Chase reduced my limit to my balance and doubled my interest rate. Then they closed my account stating my balance was too close to my limit (their doing!). They are rude and refuse to negotiate a lower interest payment. My credit score has been affected adversely by showing an account closed by a creditor. They take $132 for interest only so if I pay the minimum payment of $182, only $50 credits to my balance. I am not able to pay this account down more quickly due to the interest rate hike. Why are these banks free to charge whatever interest rates they want? Where are the consumer protection laws? Where are the usury laws and regulations? I feel they are robbing me and getting away with it. I am happy to pay 10% but not 27%! Do I have any legal recourse?

For the last 8 months, I have been trying to straighten up my account with Chase and it seems like no one in Chase is listening to me. I am coming up with a conclusion that Chase deliberately has been charging me higher Interest rate. They also have been charging me every month, for the last two years, for the service I never requested. Every time I question the charges, they pass me to a different department. First of all, let me start with the higher interest rate I have been charged since April 2009. They started charging me $29.99 on my April statement. After making quite a few phone calls and sending them the computer confirmation printout that I was never late on January, February or March, they decided to drop the rate to a normal rate as courtesy. They made it seem like they did me a favor.

It is plain and simple that Chase sucks! My mortgage was with Chase, but thanks to streamlining, I was able to refinance and get my mortgage with another company. That is $240,000 they won't be getting interest on! However, I have 1 credit card with them that I closed, because they were going to increase the interest rate by 8%. I called and closed the card and they told me the rate would stay the same until paid off. Well, lo and behold, the next month there was a 3% interest increase. When I called them, they said they could add to the interest rate according to what the prime rate at the time was. I argued that that was not what I was told and they said I was misinformed. How can they be getting away with these atrocities? I cannot believe this company. My significant other has 3 cards with them, unfortunately, and missed the payment by one day. They increased the rate from 14% to 30% even though all the cards have been in great standing.

Chase took over my AAA credit card. I had a $27,000 credit line and a 3.99 interest until paid off. My balance is $5,400 and I have not used the card for 2 years or ever been over my limit. I used this card for my daughter's last student loan because of the low APR and payment. The payment went up 150%. This is highway robbery for middle America. I think they want to get out from under the 3.99 APR. The congress needs to take a look at this. Americans are being driven under by greedy bankers, so they can get their million dollar year-end bonus on the back of working Americans. Worse yet, it was the American public that bailed them out.

Chase doubled the interest rates on my credit cards. I have never been late on my my payments and paid extra every month on my bill. I asked them to return my rate to what it was and they refused. My payments have gone up more than $50 for each card. I have only been working part-time and now I have to either make a credit card payment and my Chase mortgage payment which they refuse to modify also.

A prospective lender reviewed my credit report and advised me that I would be given a higher interest rate due to a listing by Chase Bank. I reviewed the report and Chase had reported a credit over a card limit had been due with no payments from inception card date of 2000 to 2009; the account was marked paid and closed at lender's request. I called Chase Bank and was advised they had no records on this account as it was closed. I explained I never had a Chase account but had had a Providian card with the number listed which had been paid in full and closed several years ago. No one would assist me as there was "no information on the computer" and there was no way Chase Bank could take the notation off my credit report! I was advised to write to Chase Bank or Providian or Washington Mutual bank but it was doubtful any action would be taken re the credit bureau. Where do I go with this? To whom should I seek help from?

I too came over from WaMu. I have never missed or been late on a payment. Then I got a charge for over the limit which was only a few bucks over. I looked at my account and saw that what put me over was a $39 yearly fee. I had no warning about this charge and didn’t know about it. I don’t think I had a yearly fee with WaMu. Anyhow, I paid extra each payment to get it back down. In two months, I’ve paid over $100 for a few dollars over. This month, I was still charged an over the limit fee. I also got a letter saying they were going to raise my interest rate to 25.99% over prime. Also, a few other charges I don’t understand. They said that I could reject this and cancel my card and pay off my balance of $2013, the $13 is over limit. I feel that the only way to get back at these bloodsuckers is to cancel my card and make them pay hell to get the money I owe. Have a good day all.

I have had this card with Chase for over a year. My credit limit was $8,300 until 7/09. All payments were being made on time and in full. In July, they lowered my limit below my charges ($6,700), doubled my interest rate and tripled my payment. I was then unable to make my payment. I spoke with a representative from Chase in July and was told there was nothing they could do. The minimum payment would be $212, which I made by the due date. On my August bill, I was charged $177 in interest, $39 late fee and $39 OTL fee, even though my payment was made on time. Hence, no monies were going toward my balance.

I have a Chase credit card that has a balance still due; however, I closed my account about 2 years ago when Chase tried to increase my interest rate to 23.9% at the time. Therefore, my account is closed at the interest rate that it was at that time and 7.99% is what I need to pay off my balance at. This February Chase went ahead and increased my interest rate to 12.54% on me with no notice to me of any sort. I have never had a late payment with them and on top of it I always pay more than the minimum amount due each month. I understand that this is not legal and I intend to press charges, but I do not know where to start. Do I call the attorney general’s office? What should I do? I will not back down from Chase and fully intend to go to Court if need be.

In September, Chase increased our minimum payment due from 2% to 5%. We have 3 credit cards with promotional interest rates that don't expire until the balance is paid. In the aggregate, our payments went from $621 a month to $1,530 a month. When we called them in protest, they offered the old terms for payment if we agreed to an interest rate that was double what we are paying until August of 2012. At that time the rate would go to an effective interest rate of their choosing. When I asked why they are doing this, the representative said "We want to help you pay less interest." I fail to see how they are helping us pay less interest if they are willing to raise the interest rates to keep the same payment. Any complaint that was proffered fell on deaf ears.

We have a Chase Health Advance Credit Line. We have been making payments on time, according to the agreement since the onset (March 2008). We had about 3 payments to go and did not receive our monthly statement - therefore we failed to make a payment. The next payment had all the interest (approx. $1000) charged to us and an interest rate of 25%. We offered to pay off the principal but were told this was not an option.

Chase Credit Card recently increased my minimum payment from 2% to 5% of the current balance. The day will soon come when I find myself unable to make the increased payment. I will be forced into default and worse, bankruptcy. Before this, I had never missed a payment. I called the company immediately and spoke to the representative and his manager but it did not matter. I was told that Chase does not make any money off me with a 3.9% interest rate. I only took Chase up on the offer they made to me and I did it to pay off debt. Now I face imminent ruin and the worst is that I have another low interest card with Bank of America, so I just wait until the other shoe drops. 90% of Americans can't suddenly go from a $400 monthly payment to $1,000. There is nothing reasonable about allowing this to happen to those who pay on time. I read one complaint in which the writer said that they canceled their health insurance. Well, as an RN, I can tell you that your decision has left you within one illness from the poor house. I have given up all hope that we will ever have a White House that will stand to represent the working voter.

I have a $0 balance on my credit card, Chase, as of 9/20/09, has added finance charges to my 0 balance. I don't have a 0 balance anymore - now it's $10.39. I have tried to talk to them on the phone. They won't remove the charges. I have also emailed them. They won't remove the charges giving me some mumbo jumbo about it being charges from 30 days ago. I have proof of my 0 balance, and I have proof of their adding the finance charges and also written proof that they refuse to take the charges off.

I was pleased that CNN aired a piece on the Situation Room 10/5/09 concerning a couple that has a Chase credit card account and has been victimized due to Chase's tremendous increase in their minimum monthly payments. They have never made a late payment, but are now in serious financial strain, thanks to Chase. My wife and I are in the same situation as the couple I mentioned, only we have two Chase accounts with large balances that have more than doubled the required minimum monthly payment. This ruthless bank soaked up billions of our taxpayer dollars and this is the thanks we get! Does Congress care? It doesn't appear to.

I always had auto pay on my Chase card. I paid more than the minimum due but was unaware of their decision to raise rates. I have an excellent credit rating and was extremely distraught to get a notice from them saying my balance was overdue. My normal $250 payment was now over $600 a month. They tacked on a late charge, because I was unaware of the amount change and my $250 normal due amount is over $1,000 now. I would gladly join any class action suit against Chase and will cease business with them as soon as possible. I have considered them my favorite card for years and cannot believe in these difficult times, they choose to push people over the edge rather than help.

I have had a credit card with Washington Mutual for more than 4 years. I have never made a late payment nor have I ever paid the minimum payment on my credit card. My current interest rate on this card is 28.24%. I have asked repeatedly to have the rate lowered without success. I am told I am a credit risk. The consequence of such a high interest rate is that I am having difficulty keeping up with the payments.

I have a credit card account with Chase. There are several ways to use the account - purchases, cash advances, convenience checks and promotional offers. One year ago, I used a promotional check to help pay some of my daughter's college tuition. The rate on the offer was 3.99 APR for the length of the loan. One year ago, the balance for purchases on my account was $382 and my promotional balance was $1,290, or thereabout. Now, this is what I don't understand. When I make my payments, Chase applies them to the promotional balances. They use my payment to reduce the part of the loan that has the least interest. I understand that rationale. What I don't understand and what seems very much like criminal activity ( and I do mean criminal!) is that on each and every billing statement, my total for purchases keeps going up, and I have not used the account for purchasing anything!

I recently signed up for a Marriott Rewards credit card and made the first purchase. Prior to making a large purchase, I called up customer service to let them know. I inquired of my available balance for the transaction. I was even making a purchase on a Marriott-related property. They told me that I had the full credit limit available. I proceeded with the charge and was quickly notified that it was declined because it put me over the credit limit by $65, their annual fee that is not published on all of the marketing material. I called customer service to rectify the situation. They passed me on to three different representatives before they told me it was my fault for not expecting the annual fee to be included in my balance.

I received a letter in June '09 that my minimum payment was going from 2% to 5%. With a balance of $22,000, I was paying $450 a month and was looking forward to a minimum $1,080 a month. I called, spoke to a representative and they really don't care what your situation is. I cancelled my health insurance, took full coverage off my car, lowered my cell plan and stopped eating out as much. I'm paying them $1,300 and will be done paying before 2011. I actually want to thank Chase for giving me a rude awakening and now I am very determined to pay them off and close the account. Never again will I use a credit card unless it's an emergency.

I have written to this site a couple of times before. I had the same problem as many of you are having now. Fortunately, I had the money to pay these crooks off and it wasn't cheap. I made sure to pay my bill long before it was due and called for a payoff on it. I didn't close the account because I wanted to keep up with it online. After all this took place, I opened an online account with this card and I check it daily! I printed out all the information I might need if they decide to charge me any additional fees. I will not pay them another penny. I think $10,000 is enough and that is all they will get from me.

After receiving a notice that my billing date was changed to a later date, and not receiving a bill a week after my old payment date, I called them to see why I hadn't received a bill and when it was due. I was now one day late. They refused to refund my $39 late fee, but said my interest rate was not affected. The next bill, my rate had increased. I called and they reinstated my old rate, but in 7 emails have refused to refund a total of $160 in late fee and the difference in the amount of interest for the 1 month higher rate + any interest on the additional balance created by these fees. They are very hard-nosed and refuse to admit any wrongdoing or fault.

This acct. was actually my husband's but I have always handled it since he got it about 5 yrs. ago. It has always been a problem acct., especially in the last 6 months. The interest is now somewhere around 29% on it! Yesterday afternoon, I was called on my cell while grocery shopping and told that his payment had been returned from the bank. I asked some questions and realized I had scheduled it (days in advance I might add so as not to be late) from the wrong acct. We have 2 and only 1 is the operating one for payments currently. I apologized, gave her all the info on the other acct. and she proceeded to tell me that I needed to try to pay another $48 to keep it under the balance, but I couldn't hear why since I was in a store so I told her I would have to call her later when I was at home to hear her better.

I was charged a late penalty fee for no reason, even if I never used the card for a year. The customer services could not even help to explain the reasons and kept saying it was my fault. The worst thing, they just hung up on me twice. I felt very frustrated with the bad customer services they had and closed all the account with them. Chase Bank sucks. As a result, I paid the amount and made the complaint to everyone to not use this bad service bank anymore.

They upped my monthly payment to an outrageous amount. I called them and they said that they could up my interest rate and then I could pay less money per month. They are driving people into bankruptcy!

Chase Bank hiked up my monthly payment from $240 a month to over $600 a month. They withheld e-bills from my bank and have essentially made it impossible for me to make the payment, charged me late fees and are hiking up my interest rate too. So now my payment will be about what $700-$800 a month. I have been their customer for 20 years and never missed a beat ever! They have caused a snowball effect on my entire life. Every creditor I have wants to increase my interest rates, lower my credit lines or shut them down. I run a business for God's sake, I need credit. I can't afford that much of a payment increase, they have ruined my life! They are doing some shady stuff and need to be called out on it!

I was a WaMu cardholder when they turned into Chase. Since then, my rate went up doubling my monthly payment, which in turn did not help with my job cutting my hours. I tried numerous times to work with them to reduce my payments and even posted a payment with them on the phone and they assured me the payment would be taken out on a certain date and was not taken until a week from the agreed date. They then called and tried to get me to post another payment over the phone again. I refused, explaining the reason why and the man on the phone from New Delhi, India became extremely rude.

Well, here's my story: I had a lot of credit debt, some at fairly high interest rates, so I was always looking for ways to consolidate and reduce interest payments. I had two Chase credit cards. One was originally First USA and the other was a Sony Rewards card. The first Chase card had a balance of $6,000 which I was paying down at the usual pace, about 2% a month. I kept receiving these balance transfer checks with my statements offering ridiculously low interest rates for the life of the loan, but I was too smart for that. I knew if I cashed one of them, they would apply 100% of any future payments to the low-interest rate balance, and leave the remaining $6,000 balance to reap interest at the usual high rate until the low-interest amount was completely paid off. This would seriously impact my total interest outlay, and I knew it would not help me out very much. Well, I thought of a plan to outsmart them when the temptation to consolidate became too strong and I decided to use the balance transfer option.

I applied for a Chase credit card through a purchase at Amazon to save $30 on that purchase. 8 months later, I was receiving notices of cancellation of credit lines due to poor credit ratings. I have always had an excellent credit rating. Upon inquiry, I saw it was the result of nonpayment of credit card fees through Chase. I contacted them, and it turns out that they had been sending the bill to the wrong address all those months. I made the correction and received the bill, which now included interest and late fees, which I refuse to pay. I have offered many times to pay the original amount of the Amazon purchase. Chase insists I am responsible even though it was their error. My credit rating is now adversely affected.

I have recently received my credit card statement from Chase with a high minimum payment due and a late fee of $39.00. I have always paid my credit card on time. I contacted Chase to dispute the late fee and asked why the minimum balance was so high. They responded with a typical standard reply: "Thank you for taking the time to share with us your concerns regarding the increase in your minimum payment. Chase understands that the increase is of concern to you and wants to remain committed to meeting your credit needs. On August 01, 2009, your minimum payment increased to 5% of the balance. This was listed in a recent Change in Terms notice you received in June, 2009. There may be an alternate plan available to fit your needs. Please call the toll-free number found at the back of your card so that one of my colleagues can learn more about your situation and determine if an alternate plan is available. We look forward to hearing from you. We are available 24 hours a day to serve you."

It is never their fault. When they purchased Washington Mutual, they really messed things up. I stopped getting alerts, mail, phone calls for my WM credit card. When I logged in to my Chase account, this WM account was never transferred. My account went unpaid for four months. Did I ever get a call? No. Did I ever get any type of communication from them? No. When I called them, they denied any wrongdoing on their part. I have another card with them that I have been paying off online. I asked them to look into it. They pretty much didn't care.

I recently received convenience checks with promotional APR's 0% for 6 months and 3.99% for 18 months, and decided to use one and consolidate some higher interest rate cards. I paid off the balance on my Chase card, waited to be sure my account balance was indeed $0, and deposited the convenience check into my checking account. I waited for the funds to become available and then proceeded to pay off two other credit cards totaling $9,500. I accessed my bank account today to find that Chase declined the check I used, putting my checking account into a negative balance. They also reduced the credit limit from $15,250 to $1,000.

I have always paid my bill on time, never had any overcharges above my credit limit and now they have raised my rate from 16% in July to 20.24% for no reason other than to take advantage of consumers. I attempted to correct this unfair increase and met with resistance and refusal to change the rate. I have excellent credit. There is absolutely no reason for this increase. I am paying the bill every month and they are taking more than half of my payment in interest. This is nuts.

Chase sent me a promotional balance transfer check with an APR of 2.99% until balance is paid off in full. So I took 15,000 dollars to do my new business and thinking that I would pay off my balance within the next 2 years of period. Somehow, I had to travel out of states and I totally forgot to pay my monthly payment for that month. So when I got back home, I saw that my interest rate jumped up from 2.99% to 27.44 %. So, I called right away to find out why this happened. After calling Chase, I found out that the reason for getting higher interest rate was because of the delay in payment. I talked to their supervisor and she told me to call back in 6 months and so they can monitor on my account like if I was doing regular payments and so on.

I've had a Chase credit card since 2002 with a fixed rate of 7.99%. I also chalked up many rewards points which I've only used a few times. I received a notice that Chase would be raising my APR to 13.24% and so with my current balance as high as it is, I chose to close my account. What I never realized is that I wouldn't be able to use the 24,000 rewards points that were sitting in my account. They're gone now. And no one ever said to me "Are you sure you want to close your account because you'll lose all your rewards points?" Those were my earned points and they belong to me just as I'm expected to pay off the balance of the credit card even though the account is closed. It's fraudulent. I was told there is nothing that can be done. What a scam!

I was extremely happy with my WaMu credit card and the accounts services they offered me. Then Chase took over my bank and the accounts associated with it. In August, the wonderful people of Chase offered to move my due date to a more convenient date to help me out. That kind offer was the start of my troubles. I was able to move it to the third week of the month when I had no other bills due, that was a godsend for my budgeting. However, this apparently caused my account to have its finance charges adjusted due to the extra time between bills.

Chase sent me a promotional balance transfer check with an APR of 5.99% until May 2011. I had an available credit balance of $2,500 to use. To make it sure, I did call their customer service on Aug. 29, 2009 if this offer was still available. The one I spoke to told me that the offer was still there and I can use $1,900 on that credit available. I told him if he can just directly deposit it to my checking account as the balance transfer check with me was going to expire on Aug. 31. I even told him if he can just do a balance transfer for my credit cards with high interest intended for this. He refused to do it and just told me that it was still okay to deposit the check on Aug. 31, 2009. I deposited that balance transfer check with $1,900 on that day.

I have had loans with Bank One which is now Chase for 25 or 30 years. I have never been late or missed a payment in that time (usually paid more than the minimum). Imagine my surprise when my payments went from $258 to $635 a month. When questioned, they didn't raise my rate of 3.99% for life of loan but how they figured the daily balance of the loan. When I consolidated my outstanding debts, I thought this was the best because it was for life.

Chase nearly tripled my minimum due. I called them, and they said that if I would agree to a 7.99% interest rate for 2 years, I could keep the same minimum due payment. It was $83. It went to $203. I had been paying $150 a month, and I was never late. So, I believed what they told me and sent in an $85 payment. Next thing I know, I got a bill from them with payment due over $300 plus $60 fee added on for some reason! They promised me X percentage rate for the life of the loan, and they reneged. So am I. They can do whatever. I don't care! Because of them and American Express lying, I'm not paying either of them. I don't have the money, and if it comes between me having electricity and food or paying them, then I'm eating. Duh!

I was notified that the minimum monthly payment is to increase by 2.5 times! When it has always been 2% of balance due, now it's 5 % of balance due. When I called up their call center, I was given two options, leave it at higher payment amount to keep lower interest rate of 4.99, or keep current payment level of 2% of balance, but new interest at 7.99 % and that is only through 2011. How can they be allowed to do this? I am being forced to accept this, given that there is no other way but to pay the higher payment increase at 5% of the balance as minimum payment.

I have been using Chase credit cards for a long time. Suddenly, without any prior notice before changing APRs, they increased from 9.99% to 17.99% for a balance of about $26,000. I have another Chase credit card I use for daily purchases and without any prior notice, they decreased the credit limit from $7,000 to $1,000. I have been using this card for almost 5 years for everyday purchases and I always pay in full every month since the last 5 years.

My husband and I have always paid our bills on time. I am pregnant and I am not working F/T. My husband got "transfer checks" from Chase last week. He hadn't had a balance on the card and the limit was $17k. I used one of the checks to pay off my credit cards and the transfer rate was 0.99%. I deposited it into my bank account on 9/25 and it cleared on 9/28. I sent electronic payments from my bank acct. on 9/29 to pay the credit cards that I had so all would be on one card and I would only have to make one payment every month.

Chase has raised our minimum due from 2% to 5% of the balance. They indicated that they sent a letter stating this fact in June but I do not have a copy of this letter. I talked to the individuals above on 9/29/09. All three gave me the same options: deal with the new minimum payment or raise the interest rates to a 7.99% APR for two years and lower the minimum due back to 2%. This new rate would expire in two years, August of 2011. The rates on the card were promotional rates for the life of the loan as long as the account is in good standing. I asked them to go back to the original agreement since my account has always been in good standing, but they all said that was not an option. We have not currently used this card for any purchases and are paying off this card as quickly as possible. We are not able to accept the new minimum due so have had to opt for the new higher, limited time APR with the lower minimum due. I do not believe this to be morally correct as I have followed the terms of the original agreement and feel that they should be held accountable to do the same.

I have had the same business credit card (initially issued by WaMu) for years. APR approx. 10%. Chase just raised it to 16.9% on 9/1/09 and says they are not lowering any interest rates for anyone right now. Wow! That almost doubles my finance charges and my monthly payment. They told me I can always close the account and stop using the card or just pay it off. Bad business!

I have been a customer of Chase for many years with good credit. I was sent checks to use as I wish with the interest rate of 2.99% and 3.99% interest. I had a balance of $11,000 on my card. The minimum was always around $250. I always paid that or more. In August, my statement was increased to over $550 and in Sept. 9 to a minimum of over $850. When I called Customer Service and spoke to the rep and also the supervisor, I was told that they wanted me and other customers to pay more on their credit cards. There is no way that I can pay over $850 minimum a month. Is this legal? Can they really make you pay that much when you have always been on time and always paid above minimum? Please help!

I originally had a 0% interest rate for a 6-month period. At the end of the 6 months, the interest was scheduled to go to 9.99%. My wife and I were still recovering from being laid off for a year, so instead of paying it off after the six months, we let it go to 9.99%. This was in April. Suddenly in September with no warning, the interest rate jumped to 17.99%.

I originally had a fixed 3.89% interest rate on $23,000 balance. I was very careful to always pay on time and pay more than the minimum payment. I was told by Chase that the minimum payment would increase to 5% from 2% which doubled my minimum payment. However, they had a fix for my problem. I could agree to give up my fixed 3.9% rate for a 7.99% rate for approximately 2 years and my minimum payment would go back to 2%. After which, the rate would increase to 26%. It felt like extortion when I was told over the phone, but I am sure it was probably business as usual. This will increase your amount owed to them by 4% per year and possibly a great deal more.

This is a letter I sent to Chase’s correspondence department on 9/29/09 explaining my situation.

I had a Chase account and was offered a 4.99% interest for the lifetime of my transferred balance so long as I paid my payments on time. When I received last month’s payment, they doubled my minimum payment. I owe $7,752. I was paying $200.00 a month. Now, they want $387.00. I called Chase and they said that they increased the minimum payment to 5% of the balance due. This is very unfair and should be stopped as soon as possible. This is the way they reward my good credit and the credit of others that are trying to meet their obligations. Hello, I didn't come here in a banana boat and I and many others deserve better treatment.

I was in LAX airport about to fly to a family reunion when I tried to use my Chase credit card and it was declined for a $14 purchase. Knowing I had over $8K credit limit and less than $4K on the card, I had to call the number on the back to find out why. I have had this card for more than 10 years, originally with WaMu (I miss you guys). It was my first card and over the years, I have been faithfully making payments (well over the minimum) and building my credit. The original credit limit was $500 and with a perfect payment record, I now had a limit of $8,500. I was informed that because of my credit report, my account has been closed and they sent a letter. That was on July 10th.

I had an initial contract with Chase for balance transfers at a 3.99% fixed rate until the balance was paid. The minimum payment was 2% of the balance. I used the checks (same agreement) and transferred funds to a total of about $12,000. During the past few years, the percentage has been rolled over to advances and purchases. Neither of which was utilized. I have never been late or missed a single payment.

I have a mortgage as well as an equity line, a bank account and a credit card, all from former Washington Mutual, currently J.P. Morgan Chase. I've been paying my mortgage as well as my equity line through an automatic debit option from my Washington Mutual bank account for the last 6 years since I acquired my current home. Until July, everything was fine but apparently, in July 2009, WaMu changed the routing information for all checking account holders, my credit cards and my equity line, and one, of course, would have thought they were going to do the same with the loan mortgage account automatic debit instruction. But the fact is that they failed to do so although they are the same bank.

My son and I have a total of 3 credit cards with Chase. We have never missed a payment and always paid 2 to 3 times the minimum amount due. I used the cards for medical emergencies. My son has cerebral palsy and is in a wheelchair. Cards 1 and 2 have been canceled, but you would never know it if you look at the statement or online. The paper and online statements do not reflect closed accounts and in fact, the accounts look like they are active. Each payment I make reflects an increase in the available credit. Nowhere does it say the accounts are closed. Chase said they sent a letter. I don't remember receiving one. The letter should not matter because the statements are reflecting deception.

The company raised the minimum payment from 2% to 5% without prior notice, then held back September's (2009) statement to force me into a late and compounded payment of $1,487. The original offer that they gave me from clear back in 2006 was 3.99% for the life of the loan. I contacted Chase on 9-27-2009 and spoke with Sylvia and explained that I could not afford this payment. She offered to return my minimum payment back to 2% but my percentage rate will now be 7.99% until August of 2011. She would not reveal how much the interest would be after that date. I had to verbally agree over the phone to accept that so my payment will return to 2% of my balance.

Two months ago, I missed a payment for the first time. There was no forgiveness, and it cost me $39. Plus, I lost my 0% rate. When I called, they said a late fee hadn't been added yet. So for extra money, I paid a large amount over the phone. I don't think I ever pay the minimum. None of that mattered, since they did not grant me an "oops." Last month, my payment was due on the Sunday before Labor Day. They said they received it on Monday, the 7th. Once again, there's no forgiveness for a Sunday or holiday. I've heard stories where they are told to hold payments to get the late fees. I guess that makes me the fool. I've closed the account in hopes of avoiding any sabotage they might do until I get this paid off. I'm not sure if mailing it 7 days in advance is good enough anymore. I miss WaMu.

I have been unemployed for over a year. I took the time to call Chase Card Services to on 3 different occasions to tell them of my situation. I asked that they eliminate the enormous finance charges so that I could pay my $5,000 balance down much quicker and easier for my current financial situation. Each and every time, they were not only rude but arrogant. I ended up using foul language and extremely angry and upset. They received billions in help and refuse to help someone with a paltry $5,000 credit card balance that has always made their payments. Even if they were only minimum payments, they were payments made nonetheless. I offered to pay if they would help a little and they refused! Now I do not know if they will ever receive another dime for me.

First, Chase lured me into moving my car loan with a 3.99% APR. Then after 7 months of perfect credit paying on time, they offered me a one-time skip a payment which I did. The next thing you know, they raised my minimum payment from 2% to 5%. This cannot be legal. I signed up on a 2% minimum payment. I've called twice, they refuse to do anything. The man I spoke with said many customers are angry. It's outrageous when we have bailed the thieves out. I'm really mad. This should not be allowed especially when so many of us have lost our jobs! I always pay my debt and have excellent credit. It's outrageous and wrong!

In April 2009, I transferred about $17,000 to one of my Chase Credit Cards, taking advantage of a special they were running with 0 % interest until the end of the year. I paid more than $400.00 in transfer fee. The following month, we went to Sweden for three months. I scheduled payments to be made monthly before the due date, which had been the same for more than a year (the 23rd of each month). The amount scheduled each month was $500.00, which was much more than the minimum payment. Coming back home, I received my September statement and was shocked to find out that the due date had been changed in May - the first payment after the transfer - by five days to the 17th, thereby, making my payments late! Since I did not see a statement for three months and had scheduled the payments according to the due date, I had no reason to believe that anything was wrong.

Chase just keeps raising out interest rates. We have a total of 4 accounts with them. Two of them used to be WaMu accounts, and two of them used to be the Circuit City Rewards Visa accounts, until Chase took them all over. We have absolutely perfect payment history with them, making over the minimum payment amount. This is unfair and we feel that someone needs to stop them from doing this. They are robbing their customers!

I received a letter from Chase credit card department increasing my minimum due from about $100 to $497 and also decreasing my line of credit. When I called, the representative told me that the reason is because of high balances in other cards. I have never been late and always pay my bill upon receipt. I also always pay more than the minimum due most of the time duplicating the payment or sending two payments instead. I told the representative that I feel it is unfair and that I make $105k a year. They showed no concern whatsoever and kind of cut me off. I had two accounts with them. I paid one in full in a matter of few months. I also requested closing of both accounts. I'm concerned because all they are doing is abusing good customers.

Chase took over my personal and business WaMu credit cards. I've never missed a payment and usually paid $100 more than the minimum owed. One day, my personal card got declined. I called Chase, and they stated due to my credit report, they have to cancel my card. Well, it's a funny story 1 week later when I'm approved for a brand-new 2009 Chevy Silverado fresh off the lot with 21 miles at a decent interest rate of 7.99% for my age, 23. It's not too bad. Anyway, I was really frustrated about it and paid off the entire card in 2 months' time. The following month in paying the card in full, I found another finance charge on it. I paid that off, thinking it has to be the last charge. This month is a surprise! I got another finance charge. How can one pay off a card in full with these people? I swear to God I'm getting the runaround.

I opened 2 Chase checking accounts a year ago, one for business, one personal. There have been numerous fees during that time. For some reason, in a four month period, my bank has bounced 8 of my customers’ checks. In 11 years with my previous bank, I had only experienced 2! Okay, I overlooked it. Then they auto debited $25 for my "rewards" debit card. No forewarning, no bill, just debited. Maybe it was the 1 year anniversary of when I opened the account. I don't know. This caused me to overdraw and I was charged $10 to cover it automatically from my Chase personal credit card.

I received a statement that I owed $1 a month after I paid off my Chase bill (paid off in July 09). When I called about it, the representative on the phone stated that it was a mistake and that I should disregard it. I received a letter dated 9/21/09 that my finance rate was increasing due to a late payment. My payments have never been late, I pay more than the minimum, and I just paid the card off in July. The first time I called about it, the representative hung up on me after I asked to speak to a supervisor. The 2nd time I called, I spoke to Ryan who also would not put a supervisor on the phone and who gave me conflicting information, not only to what the first rep gave me, but also to what he stated earlier in the call. I can't get a supervisor to validate any information or even to investigate the call of the representative who told me to disregard the $1 payment or the poor customer service on the part of the female rep who hung up on me.

Upon receiving our credit card bill, I noticed that the minimum payment tripled. I called customer service to find out what was going on, and they said that Congress passed a law and the payment went from 2% to 5% of the balance. I have never been late and always paid more than the minimum payment. This didn't seem right. I decided to research their claim and came across this website and seen that others have been done the same way. I don't see how this can be legal. I am opting to check other credit card companies or get an equity mortgage. This is unfair to the consumers.

Not long after Chase acquired my two credit card accounts from Washington Mutual, Chase increased my interest rate and then the next month closed my credit cards. I had never missed a payment nor had a late payment at any time that a balance existed on these two credit card accounts. The letter stating that the accounts were closed gave the following as the only reason: "The principal factor we considered in amending your account is maintaining profitability on your account."

Not long after Chase acquired my two credit card accounts from Washington Mutual, Chase increased my interest rate and then immediately closed my credit cards.

I received a Chase Card through a computer survey after a flight I took to apply for the miles and was promised a $100.00 rebate. I did get the card, but was not aware of their annual fee and no rebate. I have been paying it monthly and never expected a late fee would be applied. I never activated it and after a few months, decided to cancel. The card company wants me to still pay the annual fee even though I cancelled my card and still charged me the late fee. I feel that this is very unfair to me or anyone else who wants to opt out from keeping a card. What can I do?

Chase took over Washington Mutual with no letter of advice to me. All of a sudden, my interest went up from 7.99 to 17.99. The next month, it went up to 19.99. The following month, it went back to 17.99. Then I received a pamphlet stating my interest would go up on my Washington Mutual card from Chase if I kept my card active. I chose not to raise my interest and they canceled my card. They raised my interest again. Since June, I have been asking them why they raised my interest with no results. This happened in June. I have contacted them every month with no results. My interest continues to go up and down. It goes from 21.24 to 21.49 and my payment amount stays the same. I have paid this card faithfully every month. What can be done about this? I was given only one notice. I asked the person I was talking to if I could speak to his superior and he denied me. I requested all documentation of conversation and communication. He hung up on me and did not give me his name. Are credit cards able to treat individuals in this manner?

I had a credit balance with Chase that I had been faithfully paying early on for months. I had been getting the PerfectCard Rebate credit every month. When I received my statement this month, I had a $39 fee because my payment was late. What had actually happened is, I paid my payment one day too early for the next payment cycle. So in other words, I would have to make another payment to get on track. When I called, they would remove the fee but I had just made my Oct payment 3 days ago. Again, it was too early for the statement and now would have to make another payment to be on time.

I have 2 credit cards (or had) with Chase Bank. One is originally through WaMu, which was bought out by Chase earlier this year. On September 22, 2009, I attempted to charge something on my WaMu card for $180.00 approximately. It was declined. I was very upset, since I had been making regular $100 payments and my balance was about $300 on a $2000 credit line. I used my other Chase card, and that was fine. That one has a credit line of $1000, and I had about a $400 balance too. Both had usury levels of interest at 29%. But I need credit cards to make purchases that are more costly than I can afford on my debit card account.

IFC called. They said I owed a balance of $2750.00, including late fees and interest. They said I needed $172.00 to get up to date. I explained we lost our overtime and I had just gotten back to work and that I plan to start sending money and also offered them fifty dollars today. But they declined to take any money, and they offered me a settlement at $2229. I don't have that kind of money laying around. I also have a child with disabilities. I need to keep my mortgage, going light on heat and my everyday needs. I am late. I haven't made a payment since July 2009. I'm just upset, because I offered money and they refused. Thank you.

Chase offered a transfer of balance on higher credit card rates for a 4.9% fix rate for the life of the existing balance. Being a good customer and resolving my credit card debt, I took advantage of the 4.9% offer, which required a monthly payment of 2%. Chase has now increased the minimum monthly payment from 2% to 5%. The balance on this card is approximately $9,200, which means the minimum payment went from $190 per month to $469 per month. When I called the customer service department, Supervisor William ** did offer the option of reducing the minimum payment from 5% to 2%, if I would agree to a rate increase of 7.9% for two years, followed by a 17.2% rate after August 2011.

Chase left me no other option but to close my account. Because I had a couple of late payments, my APR was raised to 29.99%. I could not believe this. I only had two late payments; however, they told me I had five late payments in a row and that is a bold faced lie. The minimum monthly payment is unaffordable to me even though the man I spoke with was rude and said that I could cut down on groceries and utilities. What? With the economy the way it is, I cannot even afford groceries right now. I would much rather have food on my table than pay this ridiculous minimum amount. I believe that Chase wants people to cancel their accounts with them. On top of it, they treat you like crap when you explain to them that a 29.99% APR is just insane.

We have a Chase credit card that they offered a 6% interest rate for the life of the charge. So we put all our cards on this one charge card, over $20,000. We have been paying every month on time and over the required amount. Last month, they increased our monthly payment to $800 a month, 5% of the balance. When I called, they told me it was not done to everyone. It was done to us because we have a low interest rate and are not using the card. So I could lower the payment back if I gave up the 6% rate. How can they do this? It was an offer they came to us with and we have been paying on time and over the required amount. They can change the terms of the contract? Not fair. I will never get another Chase card when this one is paid. They have lost my future business.

I am one of the many consumers who have been hit with unethical business practices by Chase Bank. They are using breaching tactics - raising 2% of balances to 5%, or if you can't pay, offering to increase the interest they had previously offered to the end of the balance for just 23 months and then jack it up to whatever high percentage at the future time. Can't the government do something about this? They bailed them out: now we are suffering the consequences.

Chase Bank is the absolute worst for overdraft fees. When they say everything is in "real" time, that is completely false. If that was so, then why did five of my transactions that showed on my account end up being presented as a negative balance transaction and I was charged $35.00 for each transaction. I absolutely think that this bank is a fraud. I have banked elsewhere before, and I had never had this problem before. This bank is not out for the best interest of the customers, but for the best interest of their selves. Shame on Chase Bank for not being a bank that has a reputable name in the industry. I have never felt so betrayed by a bank in my life.

Chase upped the interest on my Visa credit. I canceled the card. They told me if I was never late they would honor the card rate. I paid $400.00 a month more than my minimum payment which is $368.00 back a couple of years ago. I consolidated my debt due to them offering a low interest rate, like I said they upped my interest later which I canceled. They then said I only paid $4.00 on my account. I called them up my interest rate due to being paid in full. I paid $400.00; they only took out $4.00 from my account. I did ask for my canceled check but they said they shredded it. My interest rate went up to 8.99%. I did complain to Chase and wrote a letter to no avail and they told me my interest rate would not go up again if we paid on time.

I called Chase to postpone my billing date by 5 days, so I could make all my auto payments on the same day in the middle of the month. They were happy to do so, but they did not inform me that they would extend the periodic rate to 35 days so that my minimum payment would increase by $6! When I noticed I received a $39.00 late fee because I paid $5 less than the minimum, I was fairly upset and called to discuss reversing the late fee. Not only was the person on the other line unwilling to help me, they were rude and unable to connect me to a manager. They suggested that I write a complaint.

I set up my checking account to pay the bill on the 4th of Sept, as the due date was on Labor Day holiday (09/07/09). And because the banks are not open on the holiday, the payment was not received until the day after the holiday, so a $39 late fee was added to my credit card. How is it even possible to set a due date on a holiday, not be open to process the payment on said date, and then charge a late fee because banks are not working on that date.

Chase Bank increased my monthly payment from 2% to 5% of the total amount that I owe. I called them to inquire about it and was told that in lieu of paying the 5% payment, they would increase my finance rate to 7.99% from the 4.99 and 3.99% rates that were never supposed to change as long as I paid my monthly payment on time. I did not agree to this, because that is not the agreed upon rate that they originally promised me. My monthly payment went from around $300 per month to $744. I have several other credit cards that I am trying to pay off, so this is a heavy financial burden to my family and will probably cause me to default on my payments resulting in a much greater finance charge.

I, too, was a WaMu credit card holder and when Chase took over, my interest rate skyrocketed without notice. My payments were always on time and I always paid more than the minimum. Then about a week ago, I ran my credit report and it turns out my account was closed too without again notification. The way I found out was I ran my credit report and there it was account closed by creditor. I called Chase and I was given the same lame excuse everyone else has received: due to Experian's credit report, blah, blah, blah. I think it's ridiculous that a credit company would close accounts in good standing. It's humiliating and it was uncalled for especially when it's done without any notice! My credit is ruined. I'm now getting financially ready to purchase my first home and now I'm just hoping this doesn't affect it. With all these complaints, I hope lenders have some kind of leniency towards what has happened.

I got my September bill from Chase and noticed the interest rate has been increased 5%. Upon making a phone call, I was informed it was due to my late payment. I'm in Arizona and I was told the Chase's close of business was 4 Eastern Time. I made the payment online about 2:30 AZ time, which put the time at 5:30 pm Eastern. That's only one hour and 30 minutes late and Chase would not even consider reversing the late payment or giving me back my old interest rate! I was outraged, not at the young man as he was only doing what he was told. But I'm outraged at Chase. It is greed, pure and simple. And if anyone starts a class action against credit card companies for these sorts of things, I'll be first in line to sign up. I wish I had the money to pay off the credit card (which I might add is used to keep five people employed) and could tell Chase to ** off!

We originally got a credit card with Yahoo years ago at a very good interest rate. The account eventually ended up with Chase. We have never been more than one day late on our payment and most times we pay more than the minimum payment. While we were on vacation, Chase decided to lower our credit limit without prior notification so that we exceeded our credit limit. As soon as we got back from vacation, I made a huge credit card payment to cover vacation and get our balance below our limit. As a note of appreciation for this from Chase, they raised our interest rate to 29.99%, which I was informed by my friendly customer service rep Darrell that was the default rate or maximum.

I have been with Chase Bank for 13 years with the same credit card. I have excellent credit and never miss a payment. I have the minimum payment deducted automatically from my checking account. Like many others on here, they raised my minimum payment up to 5%. I read this but understood it to be a necessary increase of 5% of my minimum of $560 I normally pay. I was completely shocked when they withdrew $1,400 out of my account and will deduct $1,300 each month thereafter. They were already prepared for my call with an offer as many have been calling them. My offer was an increase of 1% for the next year.

The last two months’ worth of payments that I have made has been removed from my bank account but was not credited to my Chase MasterCard **. I have started receiving automated calls and I have contacted Chase both months but no satisfaction. My credit reports may soon reflect their incompetence. I am 54 and may not be able to recover from the problem they created. My retirement plan includes a reverse mortgage, and if they screw up my credit, that means I would have to work for additional years past my 57th birthday.

On 8/21/2009, we reached an arrangement and enrolled in Chase's balance liquidation program. But still we are receiving calls that are very insulting, manipulating, deceiving, and etc. by collection representatives 15 to 20 times per day weekly, which is insane, ridiculous, and criminal. We reported these phone numbers to the Do Not Call List, but it is not working. Americans are fed up with unnecessary processes or games. The collection agency’s phone numbers are: 703-656-9977, 651-204-1373, 972-512-9502 and 202-367-9068.

The company did not follow the terms of the balance transfer offer. The terms were explained and the conversation recorded. I questioned the phone operator several times at the time the offer was accepted to get the correct date of offer expiration. I was told that the offer was in effect until the billing cycle that includes 9/1/09. Now, Chase says the offer expired on 8/14/09. No correspondence was ever sent out so nothing in writing (convenient for them). No notification from them that the offer is about to expire.

They raised my minimum payment from 2% to 5% and told me they agreed I have never had a late payment and it had nothing to do with my credit record. My only option is to go to another program that would raise my interest rate from 3.99% to 17.24% and that would leave the minimum payment at 2%. I asked what other options I had and the man said, "If I was you, I would know what other options I had. Since I'm not you, I don't know." I never had a late payment and have paid almost double to minimum every month. I'm not going to let them off the hook for the low rate even if I have to pay everyone else the minimum until this gets back to a reasonable range.

They raised the interest rate on my credit after they bought WaMu to 27%. I have had checking accounts for over 21 years and I haven't been late. Hope they enjoyed my tax money.

Chase Bank raised my minimum payment on my credit card from 2% to 5%, effectively from $300 to almost $900 a month, for no reason other than greed. I have always made my payments on time using their automatic payment service. The reason, as I see it is, this is a 5.9% line they granted me, so they are seeing 1/3 of the interest vs. new purchase rates they might see, flawed logic. Once I pay off this card, Chase can kiss my **.

I have never been late making a payment to this credit card account. They offered this account to me years ago with a credit line of $1,500.00. Because of financial difficulties, I was making the minimum payment to the account for about 9 months. My last payment was in the amount of $1,000.00. I had a balance of only $300 left. I received a letter that they decided to decrease my credit limit from $1,500 to $600, without any warning.

We had a credit card with WaMu and Chase bought them out. Our interest rate was fixed at 9.99%. We always pay more than the minimum and we have never been late. This is what they have done to reward us: They changed my interest rate from fixed to variable. They changed my rate from 9.99% to 23.24%. They warned if I close my account, they could ask for the full amount. Without prior notice, Chase may close my account or suspend my credit privileges at any time for any reason. They raised our monthly minimum.

We have two Chase cards - one an unconverted business account with a payment due around the 20th of each month, and an active business card with a payment due around the 4th of each month. The unconverted card has not been active since October 2008. I used to pay the unconverted account each month by phone. In June, I was informed that the payment had to be mailed from that point on. On July 16, 2009, I mailed my check in the amount of $300, priority mail with delivery confirmation, to PO Box 15827, Wilmington, DE 19850-5827. My delivery confirmation showed that the payment was delivered at 5:31 a.m. on July 18, 2009. It was due on July 21. I enclosed the payment coupon for the account (my unconverted WaMu business card), and wrote the account number on my check.

I had previously signed up with Chase auto pay to allow my monthly payment to come directly out of my checking account (approx $250) automatically as per the agreement. Without any warning or notification, I learned today that instead of withdrawing the normal $250 payment this month, they took it on themselves to withdraw almost $700 out of my checking account! I am furious! How can this happen?! This devastated my bank account. I was not prepared whatsoever for Chase to remove this amount of money from my account. The business office (Mary) told me that the payment was already made and no refunds or credits towards next month bill would be allowed. I feel trapped and victimized.

I received a bill for a Chase credit card I did not solicit. The bill is for $30 with an open line of credit of over $14,970. I called the toll-free number for inquiries and indicated I had not requested this card. The person on the line kept referring to my account, and I said I have no account. I requested an immediate stop on the credit card and was told that an inquiry would begin, but I did not feel confident that my complaint was taken with the seriousness it deserves.

On Aug. 22, 2009, I attempted to book a flight for myself and my husband using my Chase travel points. The site would only allow me to book each person separately. The website allowed me to book my flights, but would not allow me to book my husband on the same flights. 25,000 points were deducted for my trip. I called the phone number for assistance and was told that the flight was booked. I explained that we did not want to travel separately. After spending at least an hour being transferred to different departments, a supervisor (Tina) told me that she had cancelled my flight and my points would be added back to my account in 5-7 days.

My payment was increased from 2% of the balance ($230 per month) to 5% of the balance ($580). The only option I was given to remain at 2% of the balance was to agree to pay a higher rate only for 2 years and then to go to an even higher rate after August 2011. My current rate is 4.99%, and they wanted me to take 7.99% for 2 years and then go even higher to 13.24% until the balance is paid. I originally signed on for balance transfers at 4.99% for the life of the balance.

I closed this Chase business account because of the interest rate increase from 9.99% to 17.99% several months ago. Closing the account was to preserve the 9.99% until the account was paid off. Today, I received a notice that they raised the rate to 17.99%, a clear breach of contract. I telephoned and made a recorded complaint that I was going to force them to keep their word and that their rate increase was a breach of contract, bad faith, and maybe fraud, as I did not receive any such notices to "opt out" of anything. I "dishonored" the account and informed them a controversy now exists and I will not pay it as that could be construed as acceptance of the rate increase. Are there any attorneys going after these scumbags?

I had taken advantage of low interest rates Chase was offering a couple of years ago for the life of the loan. Now they have increased my minimum payment due from 2% of the balance to 5% of the balance, which of course has more than doubled my minimum payment due. I cannot afford this! The only way they will work with me is if I agree for them to raise my interest rate in order to keep my payment at 2% of the balance due, and that is only for 23 months. And then, if it's not paid off by then, they'll raise my interest rate to whatever the interest rate will be then, which will be over 13%. How can they do this to people in such a struggling economy. Then they wonder why people end up bankrupt! I hope there is something the department of consumer affairs can do about this in order to put a stop to their tactics! Thank you!

In January 2009, I was advised by Chase that my APR % rate was going to be increased by 6%. I contacted Chase and after effortless conversation(s) with their reps. to rectify the APR, I advised them that I was closing my account and opt out with my current APR effective that day! From that point, all my subsequent statement/invoices remained at the original APR and no problem! Last week, I received my statement with an increase of 9% on my APR. I called Chase and advised that I had closed out my account in Jan. with the opt out option, etc. I was told that a letter had been sent me advising me that my interest rate was being increased and they had to have notification from me by Aug. 25th if I wish to opt out! (Huh?) I already did that back in Jan. I advised them I did not receive any letter and furthermore, if my account was closed, how the did they have legal right to raise my APR %? Chase advised me that they can do this at any given time! I have contacted OCC/CAG (Customer Assistance Group). They handle complaints about all national banks. Their website is HelpMeWithMyBank.gov. We shall see what results prevail.

I called sometime in July 2009 to let Chase know I'd be buying large appliances (about $7500.00). They told me that I could do that but that I would be just about at my credit limit. Mind you, I never carry a balance and have a credit score of 800. They said they would extend my credit "a bit" since my credit was excellent with them (and it has been since I opened the card more than 10 years prior).

I had a substantial credit line on my CC with Chase. I received a letter that my interest rate was going to 24.99%. I called and asked why. I was never given a good reason. The Chase rep told me that I didn't have to worry about what the interest rate was because I never carried a balance and paid in full every month, whether it was a few dollars or $10,000. I closed the account.

I originally received my Chase Credit Card from Washington Mutual about a year ago. I had a $2,500 credit limit. Yes, my credit card was maxed out but I always made my minimum payment on time. When I had extra money, I made more than my monthly payment. I recently received some money that I was going to use towards house repairs. I do have a habit of spending at times, so instead of leaving the money in my checking account, I made a $1,500 payment to my Chase credit card to keep until I was ready to begin the repairs.

Chase Bank raised my credit card rate to 9% because I missed the opt-out date! I called Chase two different times and asked them to reconsider this loan shark rate, and perhaps I was mistakenly thrown into the pot as I have been a customer for 20 years and I have paid off an auto loan with them and have excellent credit. I explained I have thrown away credit card offers this week. They told me they couldn't tell me how they determined I was thrown into the pot, and they wished they had the answers, but it was a bank decision due to economic times. I asked if Chase Bank was going under or if they were looking for bail out money. I informed them to note on my account we would be moving on, never to return to Chase again!

I've been a Chase customer for many years. I had the same CC through them for 11 years. I paid off my van years early through their finance company, never late, always paid well over the minimum. I used my low interest Chase CC to consolidate loans for hurricane damage repairs. I did not use it for daily stuff. The low interest was for the lifetime of the loan, so they claimed. I got a skinny paper in late June stating they were raising my minimum payment from 2% to 5% in September. I called, explained I could not pay this, since work hours have been cut in half due to the economy. I offered to continue to pay as before. I was told there was nothing they could do, but to write to Mr. **. And by law, he would answer in 10 days. I heard nothing back and continued to pay.

I made an online payment on the due date, but it was after 4:00 pm. So it wasn't credited until the next day. I have all my banking with Chase. I was charged a late fee, and my interest went up over 5%. I called Chase and explained that I had all my accounts with them and that all the accounts are linked. It didn't matter to them. They weren't willing to reverse any charge or change the interest rate, and that it was their policy.

I have a $70 balance and I always pay in full. And as I was two days late, they charged me $29 for a late fee. What happened to the law Obama placed about late fees?

My mother and I have a Chase credit card in our names. She has had the card for many years, but put my name on it when I turned 17 in 2001. Since 2006, I have taken over the payments and have paid every month on time. The minimum payment was $225 (about $60 of which was interest). I paid $275.00 monthly ($50 more than the minimum required payment).

When I attempted to pay my bill on the due date, I was told I could pay a fee of $9.99 for a phone payment with a person (who refused to accept payment because I missed the "deadline"). I was able to choose between a phone pay and online pay with a charge of $14.95. When I requested a waiver of payment, I was told Chase does not allow that even for good customers. At that point, I was reminded I had a low APR because I was a good customer. I was also told that not making the payment would put me in a default position and my APR would go from 8.99 to 22.99. When I repeated his own words concerning my status, his reply was "That would be before your late payment (the payment which I was attempting to make on time)." I will be charged $14.95 on my next bill to cover the payment fee. I am still uncertain if my APR will be increased as the representative was not able to commit to the original statement he made. I believe this was an intimidation tactic to force me to pay the bill with the extra charge.

I went online to make a payment to my credit card. When I went to process, a message came up saying, "We can't process because there already is a pending payment for that date." I reviewed the pending transactions and there was a $300 debit waiting to come out of my bank account. I called and after 18 minutes, I was sent to a supervisor who disconnected the phone. I called back and was sent to another supervisor. She was extremely rude and stated that we were called the day prior and authorized this payment. I explained that no one called me or spoke with me. She referred me to another department. They said that after the debit would hit the bank, they would review the so-called phone call. Well, I put a stop on that payment. I called the day after to tell them I wanted my $35 stop fee paid as I was told they would. In about 3 minutes, he said, "Okay, we credited your credit card."

Previous Balance $3,626.04; Payment Credits -$3,626.04; Finance Charges +$6.53; New Balance $6.53

When Washington Mutual switched over to Chase Bank, my credit card was changed to a Chase credit. In July 2009, Chase sent my bill to the wrong address. I was then charged a late fee on a bill I never received. I complained to Chase's customer service reps and they referred me to Kelly **, saying I had to write him a letter describing how and why I wanted the late fee removed. ** never replied to me and now I'm being charged a second late fee. Chase refuses to put me in contact with someone regarding the late fees and the customer service reps said my only option is to continue paying the late fees and send ** another letter, to which he never replied. I am going to cancel my credit card with Chase. I was charged $58 in illogical late fees and my service request was never taken seriously.

I had taken out two promotional from Chase at low interest rates - I never was late like so many people. The money was used to install showers for my husband who has Parkinson's like tremors. Much to my horror, they raised my payment from 3% to 5%. I had no way to make the payment. I was forced to accept the 7.9% deal. The operators would not transfer me to a supervisor and even said it would do no good to even talk to the president of Chase. My husband has Parkinson's like tremors and I have a care worker in four days a week. Chase had placed our family between a rock and a hard place. The CA attorney general suggested that I file a complaint with the Office of the Comptroller of the Currency, which I intend to do. I strongly suggest that others do the same. Their phone number is 1-800-613-6743.

On July 9, 2009, I made a payment by phone to Chase for my Amazon balance. When I called to make payment, I said I would like to make payment in full and the representative told me that $30.29 would be taken from my checking account. Both with my Visa and American Express accounts, when I make payment in full, the payment is made in full. There are no other charges. This was not the case though with Chase. In running my credit report later, I discovered that I still owed Chase $16 ($1 for finance charges and $15 for a late fee). I was never told about these charges during my phone payment. I immediately got on the phone with Chase and asked them how could they charge me if I had paid my balance in full. That's when they politely explained that there are always additional finance charges and that I should check my statement. I said I hadn't gotten a statement and in fact, I wasn't looking for one since I was led to believe on July 9th that I had made payment in full.

I have had a Chase Office Depot cards since December 2006. Today, 9/16/2009, I used this card to attempt to pay for gasoline. The card was denied. I wrote an email to them as to why. They did not say why but replied to my email that the account was closed on 9/10/2009 and had reported it to the credit reporting agencies 60 days ago, and that I could pay off the balance or continue to make payments until the balance was paid. Why wasn't I notified? I want to know if they damaged my credit score by doing this. I was late one time in the time I had this account and feel that they acted in bad faith by doing this to me.

I recently received my bill and the minimum payment went from 2% to 5%, increasing my monthly obligation to $413 from $165. I have had this card since 1994 and a 3.99% APR loan since 1996. I have more than the minimum required but cannot afford that much increase. I was told there was no option but to pay off the card, transfer the balance to another credit card company or agree to a 7.99% APR to keep the 2% minimum payment. This is ludicrous. Their only reason was to rid themselves of low interest loans. In other words, breach the contract they have entered.

Just to add another Chase credit card complaint. A lady friend of mine has just had her minimum payment hiked from 2% to 5% as what happened to thousands of others. Of course, with the option of letting them raise the guaranteed locked in rate of 4.99% on a transferred balance to 7.99%, with the likely chance of it going to 20% in the near future. This is a clear bait and switch deal. The worst part of this is it is very, very stressful to the victims and I know with my friend that it is very negatively affecting her well-being. Knowing this is a scam, nobody wants to knuckle under to the scums. However, most people can not afford this much higher minimum and they do not want to lose their good credit. Any help would be appreciated. Thanks.

I have two credit accounts with Chase. For nearly two years each month, they deposit my payments into one account, make the other late. So every month to be safe, I check the amount, call Chase and make the payments, then I call again to assure that the payments were put into the right accounts. Numerous times, it was not, making one account late; then talking with them to please reverse the late charges and put the payments into the right accounts. Finally, it happened that they sent a notice that my interest rate was being increased. Though they acknowledge their error, they will not reverse it back to my lower interest. They keep hanging up and will not listen. They must be determined to raise my interest though I have proof that I make payments on time.

I received 4 balance transfer checks in the mail on Sept. 9, 2009. 2 checks were for a 0% until 6/10 and the other 2 for 3.99% until 3/11 on my remaining balance from my $17,000.00 limit. I had $5,000.00 available. On the paper, it said to make sure that balance is available before writing checks. However, on Sept. 15, 2009, I was checking my balance and noticed they reduced my limit to $13k after I had already written the checks. I called and spoke with 3 people from Chase and was informed those checks I wrote will be returned. They are making it seem as if I had written bad checks, when they reduced my limit after sending me the transfer checks. They decreased the limit on Sept. 14 and I had mailed the checks to payoff other lenders on Sept. 10.

My husband and I had to file bankruptcy a couple of years ago and have worked very hard to bring our credit up to par since our bankruptcy was discharged. In August 2009 (26 months after our bankruptcy was discharged), we received a letter stating that my husband’s credit card with Chase Bank NA (formerly WAMU) was going to be closed based on the following information:

My interest rate was raised on my monthly payment from 2% to 5%. This was done without notice. When I called Chase, they sent out a letter notifying me of the change. As I see it, I have kept up with my end of the special deal. Now, it is time for them to keep the deal I was offered. Raising my monthly payment from $163 to $450 is a hardship. My husband is not working, because he was laid off. And now, we have to add an additional $300 to our monthly bills. What can we do. This is not fair.

I used some of the Chase checks issued with an interest rate that is for the life of the loan 3 or 4 years ago. I have been paying on time every time and most times, more than the minimum. It averaged $350 per month. They increased my minimum payment this month to $820 per month. I called, and they told me that the amount of principal I must pay per month increased from 2% to 5%.

I was late with a credit card payment so my interest rate went from 11% to 29.99%. This was 6+ months ago. I called Juan in customer service on 9/15 to see how much longer my "punishment" was going to continue. I felt I had been punished enough and that this was usury. I was told that there was no other offer for a lower interest rate and that it was my own fault because I failed to pay on time according to my contract. He would not connect me to a supervisor and told me to write a letter. My husband has been out of work since losing his job for medical reasons. He is unable to collect social security, so it has been a very difficult two years financially. This year has been particularly tough. All of my payments have been on time or early since this increase in interest. I cannot afford this finance charge and think it is ridiculous! My monthly payment is almost double what it was. My credit rating was 700+ prior to my husband's medical leave. It's been a very tough time, but I have always believed in paying what I owe. I am getting financially beaten, but do not want filing for bankruptcy. I just want a fair interest rate. Morgan Chase was bailed out, why can't they help the consumer? Please help.

I've had my Chase Freedom Card for about a year and a half now. I know that's not a long time, but I've always paid my balance in full and before the due date every month. I had an unexpected visit from my parents this month and did not get around to pay my bill early, as I usually do. I did sit down to pay it online on the due date (Sunday) at around 5 or 6 pm. However, after making the payment, I saw that it wouldn't go through until the next day. Knowing that this would incur a late fee and other penalties, I canceled the payment and remade it so that it would go through that day, the due date. I was charged a fee anyways ($15) because I was making a payment to be posted outside of "Processing Hours" (after 4pm). If they can process the payment at all on a day after 4pm, they shouldn't have to charge a fee for it. What a way to grab money! I called and asked for a fee waiver, but was strictly told no... Being young, I don't have a lot of credit history to use as leverage and can't afford to cancel.

My husband and I are represented by counsel to renegotiate the terms of the debt i.e., debt consolidation. They call 8 to 12 times daily. They leave multiple open messages about "an important personal debt" on our phone. They were given a cease and desist letter after our attorney's letter of representation, yet, each time I speak with a supervisor, it is not in the system.

I wrote in a couple of weeks ago because my payments to Chase went from 2% to 5% on my "life of the loan" account. Since then, I have filed several class action lawsuits, wrote the governor, the White House and the BBB! So far, the BBB is the only results I have gotten. I got a phone call from the BBB yesterday from a lady named Christine **. She was polite and offered me my old 2% rate till Aug. 1, 2011. Oh, but that's not all. I will have to pay 7.99% interest for the overall loan. What happens after Aug. 1, 2011? My husband and I discussed it last night and decided we would have to pass on this "generous" offer. She acted like she was doing us a favor. I didn't sign up for 7.99% interest. It was 4.99% for the life of the loan. As soon as I can arrange it, I will pay them off! I feel like I will be saving myself hundreds of dollars in interest by doing this and I won't have to give them another dime! It won't be pretty if they charge me even $1 more over my pay-off amount, either. I am sure they will cancel my card. I have already told her Chase had better not ruin my credit. What a rotten bank!

Although I've abided by my contract and never submitted a late or returned payment, Chase Bank has voided the balance transfer agreements they sent to me and raised the interest rate on balance transfers after they accepted the checks according to their terms. Why is there no class action against Chase? Why is the attorney general of NY not investigating.

My complaint is also with Chase Bank. I too got involved with a 3.99% balance transfer. I paid my bill on time for years and now they raised my minimum payment from 2% to 5%. That raised my payment from $290.00 to $707.00 a month. I've called them 5 times, plus when I went into a bank I was told if I raised my interest rate to over 7%, I could still have my 2% payment. Otherwise, there's nothing they can do. I have no income, so I don't qualify for their payment plan. I took a buy-out from Fords in 2007. That’s how I've paid my bills, but I cannot afford $700.00 a month. I already defaulted on this account. Because of this, my credit is ruined after years of excellent credit. This just doesn't seem fair. They made a deal and then changed the rules just because they want to.

I have two credit cards that were originally with Washington Mutual but eventually became Chase Credit Cards. I had both cards for years, had reasonable balances, always paid on time and always paid more than was due. A few months after Chase took over, they closed both of my accounts due to too many revolving credit lines. I didn't receive a letter in the mail until 2 weeks after they closed my accounts.

Several months ago, I received a notice that due to my excellent credit, monthly payments, etc., my limit was being increased on my card. Then I received a notice that the APR was increasing from 9.99% to 20.24%. I monitor my credit card account (online) daily to ensure no fraud activity. There were no messages or notices from the company. On Friday, I received a letter stating my account would be closed. I have never been late, never went over my limit and have always paid well above the minimum each and every month. I am shocked that the company can get away with this. First, they increase the limit, slap on the huge APR, then close the account without any forewarning.

I received two letters on the same day for two different accounts with Chase that stated my credit limit had been reduced. The first account was originally a Circuit City card that was switched to Best Buy and then to Chase. I had a credit limit of $5,000 which was reduced to $1,600 because of the following reasons: (1) balance owed on revolving accounts too high, (2) balance too high compared to credit limit.

I have a credit card ending with ** with Chase and always paid my bill on time. I have a perfect credit. Last month, I did not receive the bill, but I did know it since I have lots of bills to take care of. So, usually I pay as they arrive. This month I received the bill from Chase and it shows a $29.00 late fee. When I called and I spoke to a lady by the name of Shirley, she told me that she would waive the charge since I have a good record. Unfortunately, she said the computer would not let her do it, so she advised me to pay the bill and once the money was received I could call again and they would give me the credit. I sent the money right away. After I knew that received the money, I called again saying that they cannot waive the charge because I had not paid the bill the previous month. I explained all the story, but she would not listen and they are willing to close the account instead of waiving that charge.

The Chase online credit card service is a big scam. No matter how carefully you are, you will get tricked one way or the other. It’s one big scam. If you see your statement is available online and you want to make a payment, schedule immediately so you won’t forget paying it. When you followed all the online procedure made a payment, you found you have a mounting finance charge in the next statement. Chase intentionally puts your previous statement balance as your payment amount - even the due date and statement date are reflecting as current statement. If the amount is less than the current statement balance, you will be charged for all the balances on your account, including all purchases in the coming statement. Even you are only a couple of dollars short, you will get a large finance charge. And of course, there is no customer service.

I have two Chase accounts. I had transferred balances at the rate of 3.99% for 2 years. My monthly payment was 2% at $200 or less. I had received and read the new changes. In reading the explanation of the 5%, I read again and thought that it applied to any new purchases. Imagine my surprise when my monthly payment was now $495. I called one time and was very upset. I called a second time and was told in order to get the payment down, I could increase the rate to 7.9% and it would go back to $200 or less. I refused. I asked again why my payment went to 5% as that is not what the agreement was with the balance transfer. They said it is the way it is now. As the time got closer to my payment date, I called again and made the change. I know they received government monies. I think this is unethical and the company should have some charges brought against them.

I have been reading people's complaints about this horrid company. I know they are legit because Chase has also closed my account, just prior to raising my APR to 27.24%. I, too, had been a perfect customer. I, too, never received any letter announcing the closing of my account. I too was a former WaMu customer. I too am fed up!

On 09/04/09, I went to a local Chase Bank to make payment on credit card balance. I paid cash, and the time was listed exactly at 16:20 on 09/04/09. My bill was due on Sept. 7, so I got it in early. (I was charged a penalty fee before, but I felt I had gotten in payment on time.) Anyway, I received an e-mail stating my payment was not received on 09/08/09. Upon checking on 09/10, it was posted paid at the Arcadia branch; but that was six days from when I actually paid it. I immediately sent an email telling Chase I had indeed paid my bill and this is an error that happens frequently because of the lack of some type of communication between the branches and Chase. Whenever I pay my BofA and Wells Fargo, they post immediately; why can't Chase? I have faxed twice over to a representative, but have yet to hear it was accepted. I am just angry that this happens. As a consumer, I feel that if these banks act in such haste to accrue "late payment" fees, they need to be put in line. I am a calm person. But when dealing with this issue, my blood pressure went up and my diabetes numbers were also up.

Before I left the US, I went to the branch of Chase at the University of Arizona to close my checking and credit card accounts. I had paid the credit cards two days before that. The banker told me that everything was okay and gave a confirmation number. However, when I accessed the account online about two weeks later, the Chase Credit Card center charged me returned payment fees on both of my credit cards. They said that they could not access a closed account. If this is the truth, why did the banker say everything was okay? I do not think that the failure of the payment is my fault. I have made phone calls to argue about the returned fees and how to pay the credit card out of the US. However, the representatives were not polite to me. I felt that they did not want to help me solve the problem. Finally, I have to pay the credit cards again including the returned payment fees. This experience is too bad. I will never ever use Chase Credit Card again!

I have the United Airlines Mileage card and the Circuit City card (which was converted to a regular card after CCity closed). I transferred balances to each card in order to consolidate and close other credit cards. I locked into 3.9% and 5.9% APR for the life of the loans. I have never been late, never missed a payment and have automatic deductions. I am also paperless. I went to check my upcoming payment, due in approximately 2 weeks. I found that my normally $312 per month on the United card had now been increased to $767. I called them to see what had happened and was told that "Well, we had to do that with some of the accounts and yours just happened to be one of them."

I have had the same Chase Visa card for over 25 years and have probably had 4 instances of late payment due to miscalculation over that time. I recently scheduled a payment for over $2,000.00 on the internet for 2 days prior to the bill due date, leaving no outstanding balance. I have tried to use my card the past 2 days and it has been turned down as not approved, leading to embarrassment, etc. I called the 800 number on the card thinking something was amiss, only to be transferred to some woman in India who informed me that my card had a "past due" charge of $80.00 and so was now "voided" until my scheduled payment takes place.

My credit card with Chase was current with an available line of credit when Chase decided to closed the account. I only found out it was closed when I tried to use the card and it was declined. This was a WaMu account converted to Chase after the Chase buy out. I received no notification from Chase that my account was to be closed. Chase is one class act!

I consolidated several loans and credit cards to two loans from Chase. One was at 2.9% and the other at 5.9% for the life of the balance. I have been paying on this credit card for 5 years and never have had a late payment. On top of that I have always paid at least double the minimum payment and a few times triple the minimum payment. All of a sudden I went to pay the bill and the minimum due is 4 times the normal minimum due. I thought there must be a mistake. To my surprise when I called Chase, no mistake.

In December 2008, I got my Visa bill (Chase bank). It had 2 items: $25.90 for AOL service and $85.00 for my annual membership fee. I sent a check for the $25.90 along with a note "Please cancel this account unless it is fee free." The following month, I got a statement for the$85.00 plus interest and late fees. I ignored it. Another month later and each month after that, it’s the same thing. My bill is now $334.24. I tried to explain what happened. It is like talking to a robot trained what to say. They called and called all hours of the day and evening. I called time and again. I went to my local Chase bank; they tried… no luck. I would ignore all this, but it has taken my near perfect credit to such a low that I can no longer get any loans.

My wife signed up for a Chase credit card and similar to what someone else wrote, I did not and still have not received a statement. Unfortunately, I was at a store trying to make a purchase and the credit card was declined. I contacted someone today at the company who informed me of my total charges (all legit minus their imposed fees). I registered online to get the statement to see what my charges were so I could pay them immediately and realized that I was charged almost $90 in finance charges and late fees. When my wife and I called and explained to the customer service agent, they couldn't have cared any less. We explained to this person that we would have never opted to go paperless and that we should be receiving paper statements, but hadn't received any. We told the agent that we had the money available and would send online to the account today if the fees would be waived. Again, no concession on the fees they imposed.

I've been a Chase MasterCard member since 2000 and paid on time. I paid a bill too early and it was put on the previous billing cycle. So now they won't remove my late fee. I could understand if I was a constant late payer, but I'm not and never was. Then I had to argue to even talk to a team manager. Donna told me there wasn't one available. I am a very responsible person who pays her bills on time. Now I am stressed out and have to make an extra payment after I already paid $400 to them for one month for being proactive. Why should I be punished for being a good customer?

I am not a Chase customer by choice. I originally had my first credit card through Providian, which was bought out by WaMu and then transferred to Chase. I also had a second credit card through WaMu that was also transferred to Chase after the buy-out. My husband had me transfer one of his higher interest rate cards to the second Chase card using a promotional check for a 1.87% APR. He swears it was supposed to be for the life of the balance or else he wouldn't have transferred it using that deal. Suddenly, we get a bill with the interest rate going from 1.87% to 21.24%! The finance charge went from $15 to $164! And they also have been changing the minimum monthly payment every month, but this time they increased it so it would be just $7 above what we have set for auto-pay.

I have had the account for only 2 months. I have never received a statement. After having the card about a month, I became concerned and looked up the account online. It said no payment was due, but I paid all charges incurred during the previous month, leaving only about $200 from the current month. A month later, still no statement. Again I checked online. Now my balance is fairly large, with a late charge added on. The explanation: I had made the first payment before the statement date, so it didn't count toward that statement and I had failed to make another payment between the statement date and the due date of that statement.

Pier 1 Imports credit card accounts were purchased by Chase Bank. I requested a lower interest rate and it was agreed that instead of paying 21%, Chase offered the 7.99%. I agreed and everything was approved and before I knew it my account was closed. I still have a balance of $800.00 which I have been sending payments and I have not received any bills from them at all. I called them and every time I called, they would transfer me to India! Nothing was ever resolved. I hate this bank and their unfair practices. I lose sleep over this problem. I wake up in the middle of the night thinking about it.

I wrote recently to state that I had payment minimum (on my low interest rate loan transfers $2,000 at 2.99% and $4,000 at 4.99%) raised from 2% ($128.00/month) to 5% ($315.00/month). I didn't like the offers that they made me of 7.99 for 2 years, after which the interest rate would go to 15%+. I asked them to send me a copy of the original contract to see if there was a stipulation about how long I had to pay off the card because I only recall that the low interest rate was for the life of the loan and don't recall that the time was addressed in the contract. They referred me to the hardship department to talk to them about other options. I did so on Monday and Celeste asked me some questions.

I have had nothing but tremendous stress since dealing with Chase. I cannot understand why their practices are legal? No other businesses successfully get away with changing terms when there is no fault on the consumer ends. Their customer service is awful in addition to being extremely rude. I would say that they have a tremendous number of incompetent representatives. There is poor record keeping with little continuity on their communication logs so I always need to explain the same situation to 100 different representatives.

I have several credit cards with Chase Bank. Today, I just received a statement showing a $39 late fee for the credit card account that was locked in at a 3.99% interest rate for life. It turns out they raised the minimum payment from 2% to 5% and because this bill is automatically paid through bill pay, I didn't know to raise my payment amount. I called Chase customer service to ask what happened and why I wasn't notified. Ann ** informed me that a mailing went out in July stating the minimum payment would go up. And that this is a legitimate late fee charge and so nothing could be done about it.

When Chase took over my WAMU credit card, the rate jacked me by 8%. Then in March, they notified me that they were canceling my card due to my credit report saying that my credit ratio was too high. I maintained a low balance on this card. Now they are hitting me with a late fee when my payment was due on a holiday. They are still using shortened billing cycles to trap people for late fees. They have caused harm to my credit rating by canceling a card with a balance, therefore increasing my debt to limit ratio. I feel that my rating has been hurt by at least 50 points.

Chase took over my WaMu credit card a while back. I have not made any purchases or used this card in over 2 years. I've never made a late payment the entire time I've had the card. To keep my post short, my average minimum due is $60. My average monthly payment is $236.00. A few months ago, I made a $300.00 payment. The following month, Chase raised my APR from 21.71% to 23.27%. Just to see what would happen, the next month, I paid just $2 above the $45 minimum due. Chase decreased my APR from 23.27% to 21.82%. When I made a payment over $200, the APR increased 1.6% the following month. Why? Because they can.

I have had my Chase credit card since 1992. I have used this card and paid it off several times over the last 17 years. A couple of years ago, I took advantage of their low interest rate deal for the life of the loan and opted to pay off other credit cards in an attempt to consolidate. I have never missed a payment and currently have a 748 credit score to prove that. Yesterday (9/9/2009) I received my monthly bill and to my surprise, it was double my normal payment. I promptly called, thinking that it was an error in billing, only to find out that it was not.

When I received my September statement for charges on 7-26 through 8-25, there was no 5% rebate for the $500 marathon gas card I purchased with my Marathon Mastercard. When I called customer service to inquire why, I was informed that they would refer the inquiry to their supervisor and would respond in writing 5-7 days. The following letter to me was their response: "We appreciate this opportunity to address the concerns you expressed in your recent inquiry. We have confirmed that you reached your annual cap on your July 25, 2009 billing statement. Maximum rebate accumulation on net purchases earning a 5% rebate is $270 annually, which equates to $5,400 in Marathon net purchases. The year is not based on a calendar year. The year is based on your anniversary date. You will earn rewards again on your Sept. 25 billing statement. We appreciate the opportunity to service your account (lost $25)."

Like others on this site, I was making my payments at the agreed upon rate when Chase raised the minimum payment to 5%. This is a more than $500 per month increase. I was offered the prior two percent if I increase my rate to 7.99% for a year and then to 27% since my rate is now 3.5%. This is ridiculous. They are trying to screw everyone with good credit, who took the sweet deals they offered when things were good. Chase will never get my business again!

I opened my latest statement this morning to find that my minimum payment due had almost tripled. I thought it was a misprint, so I called them and was informed that my minimum payment went from 2% of the balance to 5%. "This was to help us get the balance paid off quicker and save us all the interest we would have been paying." I told the lady that I spoke with that I was a good customer, who never had a late payment and always paid more than the minimum due, and that I was ok with the small amount of interest I paid monthly. I wanted something to be done about this. She said she had no control over the bank applied rate, so I asked to speak with a manager. She refused to transfer me, saying they had the same authority as she did. I was not given the option to lower the monthly payment down to 2% and pay a 7.99% interest rate like some others.

Yes, I got the 2% to 5% increase. I was already pay $600 and my statement was $300. Now the statement is $761. I have a 3.99 percent till paid off. The really bad part is I have PKD (kidney failure), and I'm waiting for a kidney transplant. I may not be able to keep my job. Chase is devil and their policy makers are going to hell. I guess there is nothing I can do, I have tried to keep up for a long time. I guess I will see how long I can continue.

I find this very ironic and it will no doubt make many people angry. I am the exact opposite of the many hundreds of people who have posted complaints about their Chase credit card. My credit score, while it was growing two years ago when I opened my WaMu card, has taken a serious dump in the last year. While I can't remember ever being late on a payment, I did go over the limit once due to finance charges. I pay pretty much the minimum on the card but my limit only started at $1000. I considered for a time closing my account sometime last year when WaMu raised my rate to something close to 30%. However, trying to build my credit, I kept it open and hoped not to have to use it as the balance was currently zero.

We too, have been hit with the surprise 5% payment due, both through our small business account with Chase and our personal account with Chase. When I called, they said the same thing about sending a statement "sometime in July" which I totally did not recall receiving but in reviewing my files, yes it is there, buried in small print but there nonetheless. But the super funny thing is, this week we received an offer for "write a check now, pay it off later" from them, offering 0% APR until June 2010 or 2.99% until March 2011. Wow! I guess they aren't hurting for cash so much, now are they? It's too bad they apparently don't realize that by stabbing the good paying customers in the back, they lose a valuable asset.

My WaMu credit card was absorbed by Chase and they immediately increased my interest rate to an ungodly 29.9% and reduced my credit line at the same time. After I paid off my account prior to the statement close, I assumed I would just leave it open and did not even pay attention to it anymore. I did not expect to receive an additional finance charge for the few days that there was a balance before the payment was posted. When I realized there was a balance, it had become late by 2 business days and they imposed a late fee. When I called to inquire and try to have at least the late fee waived, I was told tough luck. They would not even let me speak to a manager and when I expressed my disgust, all they could say is they were sorry I felt that way. I guess they are the big bully on the block and don't care about taking everyone's lunch money. I immediately closed the account and can't wait to tell everyone I can that they are an oppressive organization.

Enticing consumers to do balance transfers with low fixed of 4.9% for life and then raising their minimum monthly payment from 2% to 5%, which basically makes consumers pay 2.5 times more than they did last month, is an unfair practice by Chase Bank. For example, my payment was $57; now it is $142. Thanks, Chase, for stabbing people with good credit in the back. However, there is help! Go online to www.occ.treas.gov/customer.htm and file a complaint. I hope this helps anyone out with the similar situation.

I had a credit card with Chase Bank, and they increased my APR to 17.24%, even though I have never been late or never paid just a minimum payment. So I decided to pay it off. The payment was due on the 27th of the month, and the check cleared my bank on the 20th of the month. So the bank received it 7 days early. This month, I received a charge of $15.29 for finance charges. I called them, and they said they continue to charge finance charges from the time they sent the statement. Is this legal? To me, it was only $15.29. But how about the other people who cannot afford to pay off their card? I just had to report them to someone. It is highway robbery.

I have been a solid customer for many years making payments on time and having my credit limits increased due to my credit status. Currently I have a balance which is being paid off at the mutually agreed 2% rate and to my surprise, the last statement I just received showed a substantial increase in my minimum payment. The increase as I was told from the Chase supervisor was from 2% to 5%. I was informed that due to current market conditions, it was necessary to increase the minimum payment. This came as a surprise as there was no prior notification on this issue. I entered this financial transaction under the agreement that as long as I met my financial obligations, there would be no change or variation on the contracted rate.

I have 3 Chase credit cards. On one, the minimum payment due, which was previously around $160, increased to $390. I have not missed any payment. I logged into the website which showed my same minimum payment due, less the $186 I automatically pay on the first of every month. The minimum payment due has a small question mark next to it. When I clicked it, a box popped up explaining the minimum payment calculation. It states "Your new minimum payment is calculated at the greater of 2% of your statement balance or 1% of your statement balance plus billed interest charges and any billed late or over-limit fees." Since my minimum balance on this card is roughly $7,000, my minimum payment should have been $140 plus interest.

At the end of August (2009), I added my wife to my CC account as an authorized user. The card came in the mail and I called right away to activate it (8/31) and at that time, I asked if they had any good Balance Transfer promos going on. I was told of two, 0% fixed for 6 months or 2.99% fixed for 15 months. I chose the latter.

As most of the same stories here, I have had my payment more than doubled, almost tripled. I originally thought this was an error, the card has never been late. I locked in on a balance transfer to get low APR and get it paid off. I tried with multiple customer service reps who gave me the runaround. One actually said that if I would use the card, the payment would go back down. I was further instructed Chase could send me a notification that my payment was going up. I replied, "It was a little late for that." I was told that I had already gotten a notice, I must have thought it was junk mail and threw it out. Can you believe this?

I was offered an additional $30 off of a rug I purchased in March 2009 from Overstock.com if I opened a Chase credit card. I initially owed $144.90. After I opened the credit card, I was charged $114.90. My statement came in April, it was paid in May. In July I received a new statement saying I owed $30 for a debit double premium. I talked to Overstock and they said that Chase was the one that charged me. I called Chase - they blamed Overstock. I received a letter today saying that they would no longer be associated with each other. I talked to many people about how they could add $30 to my statement when I had my total, and when I opened the card they subtracted the additional $30.

Chase Bank took over my Washington Mutual Card back earlier in the year. Everything was going well. I had a low APR on a balance transfer offer until Chase took over my card. Then in July, Chase informed me that my account went over by 14 cents. Not by my spending, mind you, but by their own interest rate kicking it over. They then charged me $40 and on top of that, raised my APR from 0% to 29.74%. I have tried in vain for Chase to lower this rate. Because of this, I'm barely able to pay down the card and even make the minimum payment.

In the past three months, I got charged over the limit fees. When I called, my payment was due on the 4th. It was mailed very early and still charged. Then I called and was told that it’s because the new cycle starts on the 10th, so I have to pay the interest than to avoid fees. Therefore, I have to pay on the 4th and pay again on the 10th the interest or get charged over limit fees, even if I pay on time and pay the minimum balance. I see how they get rich from people like me.

I made my monthly balance payments promptly by 4:15 pm central time. But the Chase Bank customer service were rudely insisting that I should either make payments prior to 4:00 pm Eastern Time or make payments by phone with a $14.95 charge, or risk being slapped with a late fee and a finance charge (in excess of $100 for a $6,000 card balance payment). Even though $14.95 is much less than the $100+ penalty, the Chase Bank customer service is refusing to consider my time zone or that I had been a bonafide customer for over a decade (United Mileage Plus Credit card). In addition, the customer service agents, despite being rude and incommunicable, are also refusing to transfer my calls to a customer service supervisor so that I can complain about their abysmal customer relations culture. I eventually was forced to incur a $14.95 fee to make phone payments despite the fact that I made a legitimate on time payment online. I believe that the credit card company just ripped me off of my money, and I would like to see justice in this matter.

Normally, I pay all my bills online every month. But I was out of country for more than six weeks since July 2009. When I was traveling, I had internet problems and couldn’t get to my online accounts to pay my bills. I called my husband (he was in the United States then) and asked him to make payments online for me which he did on time. Unfortunately, he forgot to transfer some money from my savings account to my checking account. So my payment to Chase was returned. Upon my return to home, I promptly paid my Chase credit card bill online. I checked my Chase September statement, and there are a late fee of $29 and a returned payment fee of $39 charged to my account for the $77 bill.

I got charged a $39 late fee for a card that had a balance of about $70. Yes, I did pay 2 days late (It was due over a holiday weekend.). They would not reverse or credit the late charge. That seems very excessive for the small balance due and slightly late payment!

Like Jeanette, I had my credit card with WaMu. First, Chase cancelled my card without notice. Then I made a payment that is due on the 30th of each month on the 4th of the month. I was informed that because the billing cycle for the prior month did not end until the 5th of the next month, I essentially made two payments for the prior month and I needed to make a current payment. I told them that the payment on the 4th was the current month's payment and I could afford to make another payment. She said she would take care of it.

Like many others, the minimum payment on my 4.99 for life of balance transfer offer was raised from 2% to 5% in August. It has gone from about $352 to $950, which is higher than my monthly income. I called Chase and was told it was non-negotiable. I called again and they mentioned a hardship number but said I would be required to close my account. I told them that they were the ones who created the hardship so why would I go to them for help. I called again to complain and was asked if I wanted the number for the credit counseling service but that I'd be required to close my account.

The company increased my payment rate by almost half, monthly payments almost doubled. I was never late on payments, always paid more. This is insane! I'm having a hard time paying this. I canceled the cards.

I have two balance transfers at 3.99% for the life of the loan. I was paying 2%. Now, I must pay 5% making my minimum payment go from $173 to $427. I am a full-time police officer, and the state just got my pay. Now this. I am not going to be able to pay all my bills.

I called to the 800 number Chase has for their credit cards, as I currently have two active cards with them. I was having issues over the Labor Day weekend logging on to the Chase Credit Card website to make an online payment (as I normally do). I first spoke with a telephone operator named Carlos, who off the bat provided me with wrong information. I explained my situation to Carlos that I was having issues logging on to the Chase website for credit card payments. Carlos just stated to me that "Well, on your statement it shows you can call us 24/7 to make free payments via phone." I explained to Carlos had I known that, I would have done so. But since WaMu is now Chase, I was not told the steps one has to take to make a credit card payment.

Evidently, my story is the same as so many others. I was solicited by Chase. I made the choice, as a way to manage my budget, to go with Chase to pay off another credit card with the promise and contractual understanding of a 3.99 percent interest rate for the life of the account. My credit rating is "Good," as I have never, ever, been late on any credit card or mortgage payment. I have no wiggle room, however, so I was devastated as the most recent statement showed that my next payment would triple due to increasing the "minimum payment due" to 5 percent.