Chase Credit Cards Reviews

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

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

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

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

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

Original Review: March 14, 2010

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Credit report shows too few trades paid as agreed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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