Chase Credit Cards Reviews

I paid off an existing credit card with Chase. I had not used the card for 6 months. All off a sudden, I get a call from a collections co. that my account was charged off for nonpayment. I paid the collection co. immediately. I tried to talk with Chase to figure out how this happened. Chase will not do anything except refer me back to the collection co. which refers me back to Chase. I requested copies of the statements and to speak to someone in administration at Chase but to no avail. I have perfect credit. What can I do to get this charge off of my credit report?

I have been a Chase credit card holder for a few years now. My original offer was for 0% interest rate for the first 15 months and then becomes fixed at 8.99% for the life of the card as long as I pay as agreed (I still have my agreement and offer). I have always paid on time and never missed a payment or paid late, Chase will verify this is true. They just sent me a notice that they are raising my rate to 17.24%. The reason they are raising my rate is "in response to market conditions and to maintain profitability on your account". Please someone help me. I want to sue them and put them out of business. Well, if I can't get them to stop this, then I am forced to close my account and of course, that will negatively affect my credit and I won't be able to refinance my house, buy a car or get another credit card to replace the Chase card and so on and so on.

I had a zero interest loan through Circuit City, which was taken over by Chase banks. First, an insurance protection plan which was not supposed to effect the loan did, but they reset the 0 interest. Now after paying over $1000 to the $3400 owed, the April statement never arrived and the payment was late which kicks in about $900 in charges. I now owe them $3200. They refused to reset it again. Now, I'm stuck paying them 22.5 percent interest. Thieves!

My payment due date was Sunday 6/14. I paid my balance in full, but to make the payment reflect 6/14, they wanted me to pay $15. Since I was processing my payment on the 14th, I figured this wouldn't be a problem. I skipped the $15 and processed as is with Monday’s date. They charged me a $29 late fee. When I called to complain, they told me it was because I had paid after 4 pm. The confirmation that I paid came at 4:20 pm. The first customer representative said (from India, I am guessing) that there was nothing he could do. I didn't believe that, so the supervisor, who blamed me and was incredibly rude, eventually said as a one time courtesy, she would remove the fee. I find this practice to be extremely shady.

Chase Bank: approved credit card denied! On Friday, June 12, 2009, I was on Chase Bank (801 Mission Ave, Oceanside, CA 92054) putting money in my checking account. The teller asked if I would like to have a credit card from Chase as such one is already approved for me. I told her that earlier applications of mine with this bank have been already two times denied and I'm not very interested in. But she said that my credit card is already approved. As I'm a long year customer with WAMU (now Chase), I thought it would be not bad to have a credit card with this bank and was ready to talk about it with the personal financial representative Y. **.

My Chase reward card was closed without any warning or notice to me. I called and they said they mailed me a letter about it. My account was over the limit at the time. My main concern is that since 2004 I had been saving and earned over 92,000 reward points. I called today and was told the points are now gone. What recourse does the consumer have? Fine, close the card! However, I had been saving those points for years! Another Chase employee told me a week ago that after I paid my card down, I could try and get my account reopened and that even if my account was not reopened they could get the points back. Today, when I tried to reopen the account, they told me that it would not be reopened and that the points were gone. To add insult to injury, they don't lower interest rates on "closed" accounts and I am now left with a 29% interest rate on a balance of $15,000!

I've had a Chase VISA card for several years (it may have been another bank at one time, but who can keep track anymore), and always pay off the full balance of the card each month. This month, I was charged a finance fee of around $23 for late payment. When I called them, they stated that my April bill was not received by them until the 28th of the month. I told the customer service person that I had mailed her the check on the 16th of April (which I had), and that it was not my fault that they had not processed it until the 28th.

There is no other credit card bank as crooked as Chase in my opinion. They seem to look for reasons to raise rates on clients or close accounts without warning (clients that have been very good to them, in fact). I urge the congress to make the new laws effective immediately and shut down certain credit card banks that are continuing to loan shark knowing congress is against this. Any bank charging more than 10% when they are borrowing from the fed at 0 is loan sharking, plain and simple. I don't care if you are delinquent even, anything over 10% should be illegal. I was over the limit on my credit card one time in 7 years and Chase, without any notice, canceled my credit card. I kid you not. The reason I went over the limit was due to their finance charges.

I received my statement 5-16-09, which indicated an increased finance charge than I had noted in the past. I had been attempting to make large monthly payments with little to no charges in an effort to pay off the balance. When I noted the increased finance charge, I also noted the interest rate of 12.24% that had increased from the previous month at 8.24%. I contacted Chase to inquire why it had increased since I knew I had not been late on any payments. I was told a letter had gone out stating that my rate would be increasing, however, if I chose to keep the current rate, they would then be closing my account. Since the time period had already past, I could no longer opt to keep the lower interest rate. My payments have increased by almost 25%.

WM was bought by Chase and that's when I started getting horrible customer services with the increase in APR. I got May statement and there was a late fee charge on my statement on the 17th of May while I was settled one date which was 20th of each month with WM. Without notifying me, Chase changed the date on each statement so they can confuse me enough to charge me a late fee.

We had a WAMU credit card that we transferred balances. We also had a multiple EFT that was running from that card. We canceled the EFT we thought, and then chase took over the account. Next we noticed that our APR went from 8% to 29%. We saw online that a $49 charge hit from an EFT not canceled yet, but now, the card went over our limit.

Chase Credit Card customer since '06, Fixed APR of 8.99%, never ever late on payments and never ever over-drafted my bank account. In February 09, I refinanced my home mortgage at 4.275%. Good credit score, it has actually gotten better since the home refinance. Here is the damaging unethical new practice of Chase: Promotional "Rate Reduction for our most Valued Card members" (Beware!), 0.00% fixed APR until February 2010, when you use the enclosed "Special Rate Checks." Access extra cash, transfer high APR balances, and pay unexpected expenses and use for large purchases.

Originally, I had a Countrywide credit card and Chase took them over. My limit was almost maxed out so I made a payment which was 50% of the balance. One month later, I went to use the card for a small purchased and it was denied. I called Chase and they stated that they had closed the account. I said that I was never notified and they said they must have sent a notice and I stated they did not. I had never been informed.

I received a $39 service fee for an issue that occurred as a result of them not following an earlier request. They refused to waive the fee. I now have to find a new credit card, which is a nuisance, but I cannot reward their indiscretion with more business. I have always been a good customer, always paying off my balance at end of month. They have certainly spent more than $39 soliciting my business. No business sense.

Chase didn't send the bill and they changed my due date. Of course, when I paid for it, I was a day late. They would not refund me the late fee, so we decided to just cancel the card.

I agree ever since Chase took over WAMU, they have gone overboard. I have a platinum credit card with WAMU who is now Chase and another credit card with Chase. My interest rate just doubled. When I called, their reply was that I had been late one day one time and five days late another time back in '07! So now without notice, they are jacking up all the terms. I have never been late since and I pay like five times my minimum payment. The notice said if I did not accept the terms, I must let them know in writing and then my account would be considered closed.

Chase is a soulless company. Their employees are scum, especially one named Rita in their collections department. I paid her $8,700 in October 2008 to settle my wife's delinquent account. I found out about it three days before they were going to sue me. She promised to send me confirmation. None has been received. I fully expect to be sued someday because they never received my payment. I have one card left--Amazon.com Visa. Goodbye to Amazon too for doing business with this scum. And with one more payment on July 1, my relationship with Chase is finished.

Chase just "popped" a mail notice to me stating that they decreased my credit line without warning. I never missed a payment. I have had no change on my credit report, though their letter tells me that their decision was based on my Experian report. I immediately signed on and pulled it up. What a beautiful report. I just emailed them a letter. I will be sure to get this paid off quickly and never do business with Chase--either credit card(s), loan(s), or mortgage(s) as they already lost my business. One would assume that if you're always making timely payments and struggle to make them on time, it benefits you and you expect loyalty. Not from Chase. I am done with them.

We pay our credit card balance in full each month and that is how I identified the problem. I made the payment on my HEB Chase card via bill pay with my bank. My bank did not have to issue a hardcopy check, it was an Electronic Fund Transfer. This is supposed to be an online real-time transaction. Payment was due 5/29/09. On 6/8/09, I had this awful feeling (call it intuition) that I needed to check the activity on that card account. I logged on to the Chase website and viewed the activity. On 5/29/09, Chase charged me a $39 late fee plus $11.10 finance charge even though I paid the amount in full on 5/29/09. Naturally, I called my bank to ask them what happened. I was told that the money was, in fact, processed bank-to-bank on 5/29/09 and the funds taken from my account on that day.

On my May credit card statement, I found that I had been charged a $29.00 late fee as well as a finance charge of $1.04 because they had not received my April payment. I explained that the statement never reached my home and because I have held this card since 1992 and never been late with payments, I would appreciate having the charges removed from my card. I was told more than once that they could not do that. I replied, "No, it's that you won't remove them.” I then paid the finance charges along with the late fee and past due balance, leaving the current balance due.

Chase has placed my Business Account Credit Card with their so called: Fraud Department. They claim that they tried contacting me and haven't been able to. They claim that they sent me an e-mail requesting that I contact them. They claim that they sent me a notice of same. I have received nothing nor have I ever received a telephone call. At our business, we have an office manager and she states that she has never received a call from Chase. Our business telephone number hasn't changed in 30 years.

Over a period of two years, they have raised my interest rate from 9.99% to 20.25%. I have asked that my wife have full access to my account to handle all billing problems, as she pays the bills, but they will not allow her to discuss anything about my account. When I finally listened to what she is trying to tell me, how they are taking advantage of us, I called. They said, "Sir, you have been paying 19.9% since last year." When I asked to have my interest rate lowered, they said that based on my credit score I cannot qualify for a better rate. When I counter them with the fact that my FICO score is in the mid 700's, I have been with them for over 4 years and never missed a payment and my other card with them that has a zero balance has an interest rate of 14%. They replied by telling me that this particular card doesn't have any better rates.

May of 2009, I had a payment due on 5/25/09. So on 5/4/09, I paid them and I actually sent double the minimum payment required. The June statement arrives and it includes a $39 late fee and a rate increase of approximately 11%!

Chase bank acquired Washington Mutual (WaMu) between March and April 2009. I was an original WaMu customer since May 2007, mostly for balance transfers from other cards. My payments were always timely and over my minimum without fail. My interest rate was on the high side at 17.99% but I was still able to make the payments and just paid off all of my other bills to start chipping away at the WaMu card. Then in May 2009, I received a statement from Chase credit cards and noticed my minimum was about $40 higher than normal.

JP Chase Morgan changed the terms on my Chase Credit Card from a 9.99% fixed interest rate card to a 14.00% variable rate card increasing my monthly payments from $250 a month to $250 a month. These are not the terms I agreed to when I signed up for the card. I did not want a variable interest rate card, but cannot pay the card off in full and am stuck in this situation. I called Chase's customer service department to try to get back the original terms on the credit card. I asked for to speak with a supervisor three times, but their representative would not allow me or transfer me to a supervisor and told me no one had the power to change my card back to the original terms. I cannot afford groceries now or how I am going to pay my other bills. I am considering consumer debt consoling or possible bankruptcy.

Chase did not send the bill in April 2009. They called me at work, so I paid it over the phone with a fee of $30.00. Now, my June 2009 bill did not arrive. So I called and called, but could not get through the system to talk to anyone. I tried and paid over the internet with a fee of $10.00. However, my account is still shown with an overdue amount. Chase sucks.

I did not receive a bill in May. In June, I received a bill with $39 late fee, $39 overdraft fee, and an APR increase to 29%! After calling and e-mailing, I have received no help in removing the additional charges or lowering my APR. These people were rude, did not listen to me and kept saying it was my responsibility to pay my bill (which I never received). They left me on hold for 10 minutes waiting for a supervisor and did not make any attempt to satisfy me as a customer. This will ruin my credit (which I am trying to rebuild) and cause me unnecessary expense!

Chase Credit Card Company charged me a finance charge after I paid off the balance. My balance was $6,117.81. The billing cycle was 5/4 thru 6/3. I paid $220 on 5/28. I initiated a transfer of $5,959.73 on 5/30. The payment hit on 6/5. Chase charged me a finance charge based on the previous balance and is now refusing to waive the $158.08 charge. My account was open since 2003. I was late on two occasions due to family emergencies. They jacked my interest rate up to 29.99% and refused to lower it after multiple calls to their customer service department. This last call, I asked to be transferred to a supervisor, which they did. The person I spoke with was very unpleasant and kept trying to explain to me how finance charges work. I asked to speak to her supervisor and was told no, she didn't take calls. I think that they should waive the $158 because according to their statement, charges (finance) are posted on the last day of the billing cycle. My account is not at a zero balance.

I have been a customer of WAMU for over three years and have never paid late. When they transferred from WAMU to Chase, they apparently subscribed me without my consent on a paperless statement program which I did not request. Due to this, I missed my payment as I did not receive my statement which resulted on a late fee plus the increase of my APR. Although I called and spoke with over 10 separate individuals, they kept saying that there was nothing they could do about it as the only way for me to be enrolled in the program was for me to register yet they cannot provide me with any proof as of the registration of the program. The end result is that they increased my interest rate from the introductory APR of 0.00% to 29.99% on a balance of almost $9,300. They are a scam and will not let you speak with a supervisor. Writing is a waste of time as you write to them about one thing and they answer something completely different.

I made my April payment on 4/3/2009 and then made my May payment on 4/17/2009 because I had the money early. Little did I realize that they lumped both payments onto the April payment and therefore my June payment was processed as being late/never paid. I understand this now but at the time I wasn't aware. So I sat around for 28 days before they finally called me and said my account was late. After arguing for some time, I then realized it was indeed my fault. But since I hadn't had late payments before and never missed a payment, I was hopeful they would work with me and reverse the late payment fee (somewhere around $85).

I had been with WaMu since 2003 and a credit card customer since 2006. When I signed up for the card, I was given an interest rate of 14.99% and a credit limit of $3000. During the time that WaMu was the retainer of my credit card, my interest rate dropped to 13% and my balance was raised to $3500. I always paid on time, never went over the limit, and paid more than the amount due while retaining a balance. Then Chase took over and my credit card went to **. They sent me a letter, mixed in with my bill, stating that they were raising my interest rate from 13% to 21.99%. Then they sent me a letter in January 2009 stating they "forgot" to raise my interest on their computer and were going to raise my interest with January added in.

I used a convenience credit card check to pay off a high-rate credit card. I received a computer-generated call twice at home and verified it was me who wrote the check. Three days later, I received a letter which advised me to call fraud unit. When I did so, they stated they had put the check on hold because they could not "verify" my identity. I was advised by a manager that they could not process this check even now but could offer me a new convenience check but that the low-interest rate offer was no longer available to me. It's bait and switch. I have great credit and income, and I will never use Chase bank again for anything.

I received a letter from Chase stating that the APR on my account would be doubling. They identified the reason as "maintaining profitability" on my account. I have been with Chase for 4 years and I have never missed a payment or even been late. I receive about $80 a month in finance charges and they are telling me that they aren't profiting from my account. I opted to refuse the APR increase due to the balance on the card and unfortunately this means the account will close and affect my credit score. I am very disappointed in Chase and all these credit card companies that are doubling the APR before the new law goes into effect. This is shady practice and should not be allowed!

I had been a customer of WaMu for 10+ years without a late payment. Recently, my account was taken over by Chase and in March, I received my statement and my rate was increased to 23.24%. When I called, they claimed a letter was sent out regarding my rate. I looked everywhere for this letter and I am not the type to throw out backup to any of my accounts. I never found this letter.

I received a notice to double my annual percentage rate. I have a FICO score north of 800. I pay off my balance every single month, so frankly it won't affect me. But I'm furious about the principle of the thing. I have had this credit card in excellent standing for 15-plus years and have a credit limit over $45,000. And this is how I'm repaid for my loyalty? If I cancel this card, my FICO score suffers. So what am I to do? I'm furious and told them so. The only way to dispute was to cancel account.

I have had a Chase credit card since 2007 and have never been late in my payments. I had an automatic withdrawal for the minimum amount so I would never miss my payment. In March 2009, I made a charge against it and was denied. When I called Chase to find out why, they had closed my account because they said I had too many credit cards. Now, I just got a letter stating that as of July 1, 2009, they are going to charge me 26.24% interest. I don't have a leg to stand on as they are charging the past amount that I owe not just future amounts. I need help to take action against these bloodsuckers.

Reading all these posts regarding Chase Credit Card practices are actually repulsive, but all too familiar although I have not been a customer too long. I was brought in by the company’s impressive offer of 0% on balance transfers. My credit rating was not all that good at the time and I was trying to "rebuild" my credit rating. Everything was fine for a couple of years. I always paid on time and always a little more than the minimum due. Then all of the sudden, I noticed fraudulent charges on my card. I immediately called them. I felt great comfort that the representative was polite, responsive and informative!

Last year in 2008, I had a problem paying my credit cards and Chase was one of them. I contacted them asking for help and they refused. They told me that they could not help me. I tried to make some payments, and then I came to find out that my account was sent on to their attorney's office. Now I have to file bankruptcy. I want everyone to be aware of them and their nasty attitudes towards their customers.

Recently, my WaMu credit card was converted to Chase after the takeover. Until that moment, the online system I was using recently was also converted to Chase. After that, I unfortunately crossed the limit and they charged me an over limit fee for that. Instead of adding the over limit fee to the minimum balances, they included it with the outstanding balances. But this is not a regular practice with other credit card companies which include add up the over limit fees to the minimum balances. I thought maybe paying the minimum payment was only necessary. So I just paid the minimum balance of $17.

I never pay my payment late for my Chase credit card ever since I have that care for more than 7 years. Last month for some reason, I never got my bill, and this month, my bill was charged with a late fee of $39.00 and finance charged fee. I called customer service; they treat me very bad. I told them I always pay my payment in full and early. I asked them if there’s any way they can give an exception to waive that fee, but they said no chance. So after this month, I am closing all my Chase account with them and going with Discover and credit union.

I received a notice from Chase that looked like a cheap hand-out that most people would take one quick glance and toss it in the trash. It is an automatic increase in the APR for all future and most current balances. I went online to look for messages or alerts from my account, nothing. It is this kind of practice that really takes a toll on my trust with them. 6% increase is huge and I have till the June 22 to close the account, hmm... If I did not catch that notice, I would be locked in to a new, higher APR.

I wrote a complaint earlier about how Chase increased my interest rate from 9.99 percent to 29.9 percent on one of my Chase cards. Today, they increased the interest rate on my other card from 12.24 percent to 13.24 percent. Only a one percentage point increase, but for no reason. My credit score is in the mid 700s, always has been, and my credit reports show almost no balances on any credit cards. I no longer charge anything on Chase cards and paid off my balance months ago. They will never see another dime of my money. Anyone who can should terminate using Chase credit cards. Why support the people who are bringing this economy down?

I have had my credit card account for over 10 years with Washington Mutual. This account was taken over by Chase Bank credit cards recently. I have never paid my account late and because of a change in my address, I received my bill later than usual. My payment was received one day late and Chase charged me $39 and raised my interest rate to 25% from 2.99%. I called the 800 number and was treated horribly and the two people I spoke with refused to do anything for me. Because of this ridiculous circumstance, my interest rate has sky rocketed to an unreasonable amount and I plan on closing my account with them immediately.

For the last several years, I have had a credit card from Providian. When Chase bought Providian, they raised my interest rate from 9.9% to 22%. Since I had a $10,000 balance already charged to the card, I told them that I shouldn't have to pay the high interest rate on the purchases I have already made under the old rate. They said they would not lower the rate so I closed the account. I am debating whether I should even make a payment at this point. I don't think it is fair that they raised my rate after I made the charges, and just to make a point, I may not ever pay them. I also think it is a crime to more than double a person’s interest rate just because another company bought them.

I received a notice from Chase indicating that my interest rate would be increased for 9.99% to Prime plus 9.99%. My options were to accept the increase or cancel the card and pay off the balance. This all doesn't seem so bad except for these facts: I have been a cardholder in good standing with Amazon for over 5 years. This was a rewards card and canceling would cause a forfeiture of my rewards. Four months earlier, I had been solicited by Chase to opt for a balance transfer from my other higher interest credit cards at their promotional rate. There was a transaction fee for doing the balance transfer.

I had been a loyal Washington Mutual customer for over 15 years. I had their credit card for more than 5 years and had always used my card responsibly and taken great care in making more than the minimum payment and making sure they were always on time. In December of 2008, I made my online payment as I did every month, but forgot the final step of confirming the payment and closed out thinking I had made the payment. In a couple of weeks, I realized it had not yet cleared my account and became alarmed.

I have been a customer of Washington Mutual and now Chase for the past three years. I just received notice that my APR will be raised a second time since Chase acquired my account late in 2008. It also indicates that if I don't like it, I can opt out and cancel my account. I am trying to buy a house and if I cancel my account, my credit score drops and I'm stuck with a higher finance charge.

Chase-WAMU froze my debit card without warning all because of two complaints I filed. In retaliation, they refused to let me deposit monies or withdraw leaving me vulnerable for loss because of direct deposit from Social Security and agreement I have with deductions from bill collector which will cost me an overdraft fee. I can't notify them in time plus a rental car has been reserved for 6/2/09 for attending a funeral in VA.

I am a young 21 year old college student. I have a credit card with Chase. I called and talked to a representative about lowering my interest rate because I was landing on hard times and the woman on the phone told me that there was no way to do that. All I'm asking is that they work with me by lowering my interest rate. I have been stressed out for the past few months. I have had to go to other loan places just to manage to pay my minimum payments. I had to take off of school for a whole year, just so that I could work to make ends meet.

I received a letter today from Chase stating that they will be raising my interest rate to 22% from 9.99%. I have never missed a payment, I have never gone over the limit, and I always pay half of the balance if not paying it in full before the due date. When I asked to speak with a supervisor, they told me that they were going to tell me the same thing, that there was nothing they could do and that after evaluating my account, this decision they took was in order to remain profitable. My reply was quite simple, "Could you tell me how profitable you will be if I take my business elsewhere?" As expected they told me that was my choice. I told Orlando, “You are right and I will be canceling my account and moving to another company.”

Ever since they took over WaMu (who I had been with for many years), it's been one problem after another. This time: I cancelled a WaMu debit MC that had fraud activity popping upon it and it's been 8 days and I still don't have a replacement card. After I finally got through to voicemail, the person at my branch explained that "the company that makes/issues the cards takes up to 10 days before it might arrive at my house". Talk about inconvenience, not to mention annoying that yet another company out sources their work. Do I really want an outsource company having access to my account info? No! I had to go to the branch and withdraw large amounts of cash just to be sure that I would have money if I needed it. I needed to rent a car and they only take Credit Cards. I ran out of money when I had to take my daughter to the hospital. I had to leave her there alone and get a friend to go to their bank’s ATM to get cash for me at 1:30 AM!

I had a balance on my account and the interest rate jumped up. I called to find out exactly how much I owed and I said I would send payment that day and asked that they close the account. I paid the exact amount on that day. I am getting phone calls and letters stating I owe additional money. I was completely confused so I emailed my inquiry. This is the response I received:

I went over my $3000 credit card limit by $15 and they sent me a bill that said I had to pay a $39 over limit fee and they raised my interest rate from 10% to 30%! When I called and spoke with a customer service rep. I was told that the rate would not drop when I had paid my over limit fee and reduced my balance back under the $3000 limit. I told him that I was prepared to send them $200 to drop my account back into line (my normal payment is only $60). He said it didn’t matter. So now I have to try to pay off a $3000 credit card with a 30% interest rate. I've never been late and I've never gone over the limit before. He also rattled off a bunch of legal disclaimers and stated that Chase works closely with federal regulators and that they have every right to charge this much interest and there’s nothing I can do about it. My account was originally a Wamu account bought out by Chase when they took over. I'm not sure whose terms I am being held to, Chase or Wamu.

I have been a great Chase VISA customer and have always paid way over the minimum due every month. I was recently charged a late fee of $35 for a payment that was one day late! I scheduled the payment to be paid thru my bank’s online bill pay system and the payment was received a day late. I called Chase and they told me they don't care--it's late, deal with it! I cancelled my VISA card. They didn't try to keep me as a customer and didn't care--their indifference was surprising! I will never again use any Chase Financial Services/Insurance, etc. for any reason. I will not do business with anyone who uses Chase Services.

Similar to many other consumers, it seems I have been a Chase MasterCard credit card holder for over 21 years. I recently received a notification in the mail that appeared to be the standard terms of agreement paperwork for the year. After further investigation, I was highly ticked to say the least. Chase is raising my interest rate from 9.99% to 16.39% for no reason.

I purchased a TV at Circuit City in November '08 under the stipulation that if we applied with a Circuit City credit card via Chase Bank, the promotion was for 36 months no interest and no payments! Since March, we have been slapped with finance charge after finance charge claiming we were not making payments. Wait, let me go back and state that it was a 36 month no payment no interest promotion. Yeah, well the next thing they tell me is that it was only a 90 day no interest. I would have never purchased that TV on a 90 day no interest!

I opened a Chase savings account and made a $5K cash deposit on 1/20/09. I went to transfer the money to pay off my Chase credit card and the teller stated that no record of my deposit was on file and that the account was not active. I then proceeded to speak with the branch manager and the district manager about resolving this issue and neither one is assisting me in the matter. $5K is missing. I’m not able to pay off a credit card and am incurring large interest on the credit card account.

I have had a Chase Visa credit card for a number of years now. When I originally took the card, my fixed interest rate was 9.99%. Today I looked at my statement and it has gone up to 13.24%! I am livid! I have been a good customer and always made timely payments in good faith that my interest rate would not change.

They called and said my card payment is past due and that I need to make a payment either over the phone or online and I have paid it and my check is cashed on my bank account. They do it almost every month and they call about 20 times over the course of 3 or 4 days and don't give you a live person to talk to. They have also raised my interest rate so high that I can never pay it off.

Those unauthorized charged was internet fraud has captured identities of consumers to steal them to obtain for many profit purposes. On February, I contacted them and they refunded my money back into my Mastercard. By that time, Chase performed its own investigation and resulted that was authorized charges. Vendors admitted unauthorized charges in which Chase had to reverse my money back into my account. But that was about April. Chase again did temporary reversal fund again without any clear reasons. I contacted to Chase. They said that was another different issues. Chase has sent me two different notices which was very unrelated and disconnected each other about the mount of $101.83 credit reversal and that number keeping different every time I have contacted Chase about it.

I cashed a promotional check for $2500 with a 2.99% APR good until 2011. My credit like was $2800. I had a balance of $700, in which I paid off the balance and then cashed check. Chase reneged on cashing the check. When I called to asked why the check was returned, they claimed they reviewed my financial obligation and it was too high. Should I note nothing has changed in the last two years? If anything, the majority of my credit card balances are much lower.

Chase Credit Card service said they never received my payments via USPS. I sent three different checks out check numbers below as follows: 3188 amount of $207; check # 3189, amount 128; check # 3190, amount $46. All checks before these and after these have cleared my account. Only Chase credit card payment checks did not clear. They said they did not receive them and that they had the right to raise my interest rates from 7.99 fixed (on the closed accounts) to 22.99 variable rate because of no payment.

Chase raised my minimum from 2% to 5% then sent a letter stating it was done inadvertently. They said they would change it back to 2%. They continued to charge 5%. I complained and they sent me back the difference which was $150 as a refund. Then on my next bill they surprised me by adding the $150 to my bill under the 14.99% rate.

I have had a Chase Credit Card for ten years. In that time, I have never approached my credit limit, made a late payment and there has been no change in my credit history. I was sent a benign looking "change in account terms" written in tiny letters that looked like the privacy notifications that go out this time of year. I glanced at it and hit the roof! The notification stated that in order to "maintain profitability" my interest rate would be changing from 12.24% to 19.24%! When I called and spoke with "Jeff", who identified himself as the supervisor. He told me I was sent a notification (I am certain I never received) and that I could close the account if I paid it off by June 22nd at the old rate. I will pay it off and close the account, but I have never been so outraged. They will never again see another dime of my money. I am canceling my November vacation so that I can pay the $5,800 in full.

I just went to pay my monthly Chase credit card bill and noticed the APR had jumped from 14.24% to 18.24%. I called customer service and was told they sent me a letter in February (which I don't remember getting) that said I could either accept the new 18.24% APR increase or close my account and pay the card off at 14.24%. I have never been late with a payment nor have I ever missed a payment on this account! I feel like the government and the banks are ** me (us) and I don't appreciate it! I pay my bills on time and do not deserve to have to pay an additional 4% APR!

I have a WaMu Credit card for over five (5) years with 0 interest rate. Chase branch notified me that they would be taking over the accord from WaMu, which is Washington Mutual. I opted to stay with Chase. I was always current with my credit card payment. I paid on the first (1) of every month. I did this payment for the five years or more since I had this account. On this date, March 30, 2009,I called Chase to make my payment for June 1. I was told that I had two late fees for April, May which in their record shows me paying my bill every month on the first (1) and double payments for those months.

Chase took over what was my Circuit City Card. I've had my card in good standing. I never received a bill in the mail for April 2009. I called Chase and notified them I would pay immediately. I was charged $35 late fee that month. When I called to request a one time fee forgiveness because of my excellent payment record, I was told it was impossible. I will still live well without the $35, but the late payment on a credit report is of concern and consequence.

I am writing to inform you of my dissatisfaction with the service provided to me by Chase in May of 2009. I have an automated payment set up through my Wells Fargo Bank account to distribute payment to Chase on a monthly basis. My total balance was $4,800 and I have an automated payment of $100 set up. Unfortunately in April, my payment arrived 3 days late to Chase.

I have a small beef with Chase compared to some of the posts I have seen here. I have had this Chase card for 5 years. I used to own my company, so when things were good, I would charge my personal and business items on the card. Sometimes, it was $10k-$13k paid in full every month by my bookkeeper. I still keep a low balance. Even at $7k-$8k, I paid $1000+ per month as the payment, well over the minimum. I owe $3,500 from like $7,500 three months ago, so they are getting paid nicely. I can honestly say I am strapped for cash because of my charging habits and less income now due to economy but still, Chase got their dinero. So now the clincher, they are raising my interest on the card. I get this letter in the mail. So I called and talked to a person who was in fact very polite and told me there was nothing Chase can do for me. They are raising the interest and it was substantial and non-negotiable. So be it.

From May 19th through May 23rd, I made 3 purchases with my Chase Leisure Rewards credit/debit card. I used the credit option for these purchases. I checked my account online on May 25th, everything went through and nothing showed as pending. My balance left was $3.60. On May 26th, I checked my account online and it showed Chase Rewards Card annual fee of $25.00 was taken out, which caused my account to be negative. But they had the nerve to go back to my last 3 transactions that had already cleared and said they were insufficient! I called Chase online customer service. The CSR said there was nothing they could do! I asked for a supervisor and she said the transactions did not "post" until the 26th, even though they had already shown that they cleared! I told her that yes, I am liable for the Chase Rewards fee since there was only $3.60 when they took the $25.00 out, but for them to backtrack and try to charge me for 3 items that had already cleared was wrong! She said they would do me a "favor" and absorb the fees. They are "allowed" to do this one time every 12 months!

Below is a copy of the email that I sent to Chase this afternoon:

After several years history with WaMu with no late payments, including a year long layoff, Chase determined it was necessary to bump my interest rate from the original 9.99% to 19.99% in January 2009. The only reason that they could provide to me was "lack of retail activity", which was, of course, the result of me attempting to pay down my debt load after being laid off for a year. On May 22, four months after a 10% increase in the interest rate went into effect, I received another notice that they deemed it necessary to alter my rate again. The new rate would be prime plus 20 something percent, or at the present, would be 24.99%.

My WaMu account with an APR of 3.9 was transferred to Chase in March 2009. Then, my APR was raised to 26.99. In January 2009, there was a charge to my card which I disputed and was ruled in my favor. But Chase is still punishing me for the same problem, which was resolved, and my account was already credited. I have been calling Chase every month to change my APR back to the original 3.9 that I used to have with WaMu, but they refused. I have always made my payments even when I was on disability for a back surgery for a year. I have always had the intentions of paying back what I owe, but this APR is killing me. I am a mother of two young kids.

Chase took over what was my Washington Mutual card formerly Providian. I've had the card in good standing for about 9 years. I made an error posting an online payment on 5/15/09 and it did not take. I did not catch the error until 5/27 at which time I called Chase immediately to make the payment and request the $39 late and subsequent $39 over limit fee be waived. I was told it was impossible, even though I have never before been late (I was a whopping 8 days late as of this morning). I then notice my interest was 31.99% and when I addressed this, they were totally indifferent. I told them to close the card. They made no effort at all to retain me as a customer, and I actually got the impression that they wanted to tell me to take a hike if I don't like their card.

Chase took over what was my Washington Mutual card formerly Providian. I've had the card in good standing for about nine years. I made an error posting an online payment on 5/15/09 and it did not go through. I did not catch the error until 5/27, at which time, I called Chase immediately to make the payment and request the $39 late and subsequent $39 over-the-limit fee be waived. I was told it was impossible, even though I have never before been late (I was a whopping eight days late as of this morning).

I was faithfully paying Chase for years. I always paid my Amazon and Chase bill at the same time. However, I didn't realize that both were due on different dates. I'd always been alerted by an e-mail that my payment was due and I had never been late until last month. Amazon wasn't due at that time; it was an alert! I went in to pay and found that somehow I was 7 days late with the Chase card. My interest increased from around 6% to a whopping 29.99% interest!

Does anyone out there have a copy of the WaMu mail-offer from one year ago (March 2008) that was for 0 percent interest for the life of the balance transfer, if you paid a three percent fee? I got this offer before WaMu was taken over by Chase, and the day that Chase took over the accounts, they said they would honor. They said that my zero percent offer for the life of the transfer had ended, the day they took over WaMu. How convenient. After a series of horrible, stressful phone calls, I actually got an account manager on the phone at Chase, Robert, on 4/26/09 at 4:24 pm, who verified that I had a zero percent for life of transfer offer from WaMu and said he would "put in a ticket" to get it straightened out.

I am glad to see that other people are having the same problem with Chase that I am. My wife and I both had separate WaMu accounts which Chase took over after WaMu failed. When I logged in to pay my April bill, I found that the information that was normally stored for my old WaMu card was gone. Therefore, I had to enter my checking account number to make a payment (it used to be stored on the WaMu site). I entered one of the digits wrong and was slapped with a $39 'returned check fee' and a 'late fee' even though I tried to pay the bill 4 days before it was due. I called 'customer service' (most ironically named department ever) and they claimed that they could not issue refunds on fees.

I am writing this to alert and hopefully help other Chase CC holders to read everything that a bank or credit card company sends in the mail, especially now. I'll admit I usually just scan them, but this time I took notice of the latest little paper that was sent to me and discovered that Chase was raising my APR from 8.24% to 15.24% - basically doubling it! The paper stated that "...in response to market conditions and to maintain profitability on your account, these changes will be effective with your July 2009 statement." Going on to tell me that if I do nothing, the changes will take place. I have never been late with a payment and see no reason for me to be penalized with such an increase, so I called to cancel my card.

Chase sent me a notice that my rates, due to no fault of my own, are going to raise 4% and there is nothing that I can do about it. I called them to ask why, and they said it was a business decision. I was a Providian card holder for 12 years before this joke of a company took over with no problems, no late fees, always paid on time. I was told "Tough. If you want the same rate you have then, you must close your account."

Last year, I cancelled a PO Box and had one Chase MasterCard that was sending bills to that address. I telephoned a change of address to have the bill sent to my residence. In February, I noticed I wasn't getting a bill. I called again and found out they still had my PO Box listed as the address on this account. They changed it, reversed a late fee, and sent me copies of previous statements. I received the next two bills at the correct address.

I have been a Chase cardholder since 1999. I had one card closed and one active. Last week, I was notified by letter that my active card had been closed due to a credit report they initiated. I paid Chase on time for over a year, on both cards, and many times above the minimum balance due. I have had credit problems in the past and had a much worse record of payments to Chase, yet they never closed this card. I received the letter the day news reports were made on all networks that Obama's credit regulations would potentially "punish" customers who paid their bills on time, so the companies would not have to lower the interest rates. I have yet to speak to someone who can help me.

I have a WaMu Visa and MasterCard, which the interest rates are 9.9% and 10.4% respectively. I have always paid my bills on time and always exceed the minimum due. I am never late and never miss a payment. As we're all painfully aware, Chase recently acquired WaMu. As soon as Chase got their greedy little hands on my account, they raised my interest rates to 13.99%, citing "economic conditions." Legal? Absolutely, you betcha. Morally slippery? Absolutely, you betcha. I knew this was going to happen the minute I received my first notice that Chase was acquiring WaMu. If there was a reason for the increase, I could understand and abide by it - but it's simple greed.

I sent two complaints regarding Chase CC in the last few weeks. I cancelled the card this week. I am going on a trip and tried to make a phone payment, well before my payment date. The automatic answering site via phone says 'no payment due'. Nonetheless, if I make a phone payment, the charge for this 'privilege' is $9.00. As bad as Countrywide could be, they were not that bad. I am sick to death of the stranglehold credit cards have on the government. The few paltry changes to be in force months from now are nothing compared to what credit card companies do. They are despicable. I cancelled my card and hope to refinance through a local credit union to pay off Chase. I cannot afford their skyrocketing interest, fees, etc.

I obtained their Realtors Chase Visa card with a generous limit. I used it and was a good customer. However, they claim I was late around the Christmas holidays by a few days and recast my interest rate at 30%. They chased down my balance where now it's close to zero but still at 30%. They claim I was late. I have been paying down radically simply as my balance was chased down by no less than Chase bank. I think this outfit are shameless crooks. The new laws will put them in their place and their argument against the changes just proves they are pitiful. Down with Chase. Tear up their cards. They will burn you if they can get a chance to screw you.

After more than 10 years with the company, Chase closed my $20K limit credit card for inactivity with absolutely no advance warning. It would have been nice to have gotten a "use it or lose it" note. Their local banking service was horrible and now I can add their credit card division to the list.

I've been paying 3% of my balance for the past two years to protect myself in case I lose my job involuntarily. In February, I was laid off. Payment Protect did not go into effect. I had to make my March payment and May's payment. They are still charging me the fee but do not provide the service I paid for. This is economically devastating. I'm unemployed and being forced to pay my credit card and the payment protector fee when I'm least able to. This is emotionally frustrating since Chase said it's a three party charge and I can't dispute the charge.

My husband and I have been Washington Mutual credit card holders for over two years. I have never been late on the account. I always walk it into the bank on the day it is due and it posts the same day. I missed the payment this month by one day. We contacted Chase and asked if they could waive the fee as this was the first "late" on the account. The customer service rep said that Chase doesn't offer complimentary waivers of any fees.

I held a credit card with WaMu and held a $7,000 balance on a credit card. I have never been late with a payment and planned on using my next bonus check to pay off the balance. Without my knowledge, WaMu changed over to Chase. Upon receiving a bill in the mail from Chase, which I did not realize was a bill, I placed it off to the side as I did not have a Chase credit card. I went on a business trip and when I came back, I realized I had never received my statement from WaMu. I then called WaMu and learned that they are now Chase.

My Washington Mutual credit card account was taken over by Chase during the economic crash. My card agreement had a low APR (9%) as long as my payments were on time, and they always were. My due date was always the 16th of the month and I made my payments online on the 14th. I did not notice that in April, the due date was changed by Chase to the 10th and not only was I charged a hefty late fee, my APR skyrocketed to 29+%! I called to complain and they said they would not reverse it, that I should have looked at my statement more closely and noticed the date change (of almost a week!). I intend to pay this card off with another card and close the account. Has this happened to anyone else and is there a class action lawsuit I can join? Chase is evil. This is a reprehensible practice.

I have been a loyal Chase credit card customer for several years, always paying on time and maintaining a very good credit score with all 3 bureaus. I was steadily paying off a 3.99% balance transfer offer while continuing to use my Chase Platinum Visa for purchases at a slightly higher interest rate. I had made some purchases, which Chase's system authorized. But on my closing date, when the interest was added, I went over limit. Suddenly, my interest rate on both balance transfer and purchases shot up to 29.99%. My minimum payments increased from around $500 to $1,900. Because I was hit with such a huge minimum, my first payment to Chase at the 29.99% was a few days late while I scraped together the payment - which is greater than my mortgage payment.

I never received a bill in mail. I figured it out two days after it was due. I called Chase and notified them that I would pay in full immediately. I set-up account alert email 5 days in advance for future billing, was charged $39 late fee plus interest. When I called to request one time fee forgiveness from Chase account manager because of my excellent payment record, I was told they would "compromise" and credit me $19.50; however, the interest would have to be paid. It has occurred to me that if Chase did this to all their customers, they could probably steal millions and we would never know. I have never not received a single piece of mail "that I'm aware of" except the alleged Chase bill.

I paid off my credit card in full last month and my balance due this month is $1.41 with a $0.01 charge for a service I canceled about 6 months ago. I have all records to back this information up. Can anyone advise? My payment is due on May 30th, so please, time is important.

Originally my credit card was with Washington Mutual but they were taken over by Chase. They offered to issue me a Chase card at 25% interest and I declined because I had been paying much less interest prior to the takeover. Unable to pay off the original balance, Chase raised my interest rate to 25% anyway (one rep told me they raised it because I lost the right to deal with them when I didn't sign up for a new credit card). If I am a day late, and they always say I'm a day late, they slap a huge penalty on my bill and increase the interest rate. My SS check comes on the 3rd of the month and their bill is due the fifth or the sixth. Somehow, the check never seems to get there on the due date no matter when I mail it. Besides the fine, they raise the interest rate which on the last bill had increased to 27.24%. I'm 66 years old, ill, and at this rate, I will never get them paid off. These credit card companies have become the 21st century equivalents of schoolyard bullies.

I was a WaMu credit card customer for a very long time and had no issues but when Chase took over, my nightmare started! My story isn't much different from others. I also couldn't get online to access the account during the transition and was charged 2 billings in one month! My WaMu card was always due the first of the month, and now Chase was charging me again(!) which now meant the Chase payment was late (of course)! I called to see why I was charged 2 payments in one month and the rep told me every month has a different billing cycle date?! Some months it maybe 26 days, some it maybe 30 days, but she would be happy to change it for me to where the bill would be due between the 15th and 17th.

0APR expiration date was switched. Chase sent an offer for 0APR on x expiration date. Their records indicated Y expiration date. Because the offer was made on the check in which you have to write in to cash, you have no records of the offer date. When the consumer contacted Chase regarding the info, the customer service reps are rude and don't resolve the issue with statements like "This is the info that is indicated on our records" or "We see no need for us to do further investigation" or "We are done here".

Two months ago, I had used my credit card for one purchase of $24.99, leaving about $180 in available funds on my credit card. Within a matter of a week, Chase had charged as many fees as possible to overdraw my account by $15.00, triggering a new slew of fees along with it. I called Card Services, and explained the only reason the card was overdrawn was due to their erratic fees and they agreed to refund the $39 overdrawn fee, great. I cut up the card, and continued paying above and beyond my min. payment and brought the balance down $500 or so.

Last month, we phoned Chase to obtain a pay-off amount on our credit card. After receiving this figure, we instantly made a payment for x amount of dollars. Today, we find that we owe another $7. I called the company and after speaking to two jerks and explaining to them that apparently, their employees screwed up by not telling us that additional monies might be due, they apologized for their employee screwing up and told my husband that he should think of something over the weekend to do to come up with the money. My husband asked the guy if he should put his wife out on the street corner! We even asked them to transfer the $7 to the other card that we have with them and pay 30% interest. They refused! Where do everyday people like us turn to? Who do we complain to? It's only $7 but when you have kids to feed, gas to put in the car to get to/from work, that $7 is like a million to us!

Chase never lets you pay off a balance. This is the only card that I am not able to. I sent them a check for over $700 and paid it before the due date. A month later, I get a bill for $17.58. I called and asked what this is for. Chase told me it was finance charges. What? If you pay of a balance before the due date, you should not get charge finance charges. All my other cards practice this but apparently not Chase. So I asked them if I pay this off, will I get another silly bill? Chase replied, "Oh no, ma'am. You do not get charged finance charge." Okay, so I paid this, again before the due date and guess what, a month later, I get a bill for a $1. A measly little dollar! I was livid. I called again and I swear it sounded like the same person. She told me the same crap that they have accrued daily interest and she cannot give me an exact pay off. I told her I was not paying this $1 and wanted to talk to a manager. Same story.

I was previously with WaMu, who sold my account to Chase. While with WaMu, I set-up my WaMu account to make my payment three months in advance online. When Chase bought my account from WaMu, Chase neglected to transfer over my payment authorization. After logging on a month later, I learned that my card had been sold to Chase. After logging on to Chase, I found that they did not transfer over the payment information and had changed the payment date. As a result, they charged me $39 because they neglected to take my payment from my account as previously set-up.

I originally opened a credit card account with Washington Mutual in August of 2006. I have never had any problem or late payment fees. Often, the credit card was paid in full on time. In October, I was given a check and used it for $5,000 to help support my small business. The rate was 1.99 APR. I continued making payments normally by mail but once in a while online. Then, WaMu was changed over to Chase and the problems began at once. First, I was unable to access my account online as their site was down for repairs.

I informed Chase that I would be paying extra payment. While doing this, I was charged two late payment fees plus their ridiculous interest rate. They refunded the late fees as a "one time courtesy" but would not refund interest charged against the late fees.

On or about February 2009, I decided to pay off the revolving balance on my card and keep the balance of the TV to pay off by 2010 without any interest. To my surprise, Chase decided to pay off the TV and leave the revolving balance with interest. When I asked that the payment be redirected, they said they weren't going to take care of this. Their rule is normally to pay off the balance with the lower interest rate (which would have been my revolving balance), but in this case, they made an exemption. Of course, this is all what's best for them. Unfortunately, I don't have the funds available to pay off the remaining balance; otherwise, I would close out this account and never deal with them again.

I took advantage of a balance transfer offer that stated I would get 0.99% fixed rate until 10/2009 statement opening date. I did this two weeks ago. Yesterday I got a notice in the mail from Chase that my interest rate, effective July 2009 statement, would now be prime plus 10.99%. I called to see if my balance transfer would be affected by this. I was told that my transfer's APR was only good until August 2009. I told them I was looking at my paperwork and it says until 10/2009. They told me they were sorry, but it would be changed after August 2009. I transferred $11,000.00 over to them with a transfer fee of $290.00 and they are not honoring their agreement. Subsequently, I will be borrowing from my retirement to pay this off so I don't have to pay that ridiculous interest rate.

I paid off my bill for $5872.77 on 3/16/09 in full. Then I received a new one saying I owe $49.27 after the bill was paid. Then a new bill came saying I owe $65.57 for not paying on time, $15 late charges. Wow, then I tried to get in touch with Chase and no way! You can't talk to anyone! You just get the big runaround. What a rip off. I don't owe Chase a penny! This bank is ripping people off to the tune of 30% interest.

I held a credit card account with WaMu and had no problems. As soon as Chase took over, I now have a world of problems. I had some difficulty in March scheduling my online payment. Chase's new website was down due to "database updates." I called and scheduled a payment over the phone for the day my payment was due. Six days later, I received a postcard in the mail stating my payment was returned due to incorrect bank account information. I was charged a $39 late payment fee. I called immediately and demanded the fee was removed. Chase complied and apologized.

My mother had 2 brain surgeries in 2 months' time. I live in AZ, she in MI. WaMu changed over to Chase and when I returned home, I knew my bill was due, but could not find that I received one. I pulled it up online to discover it was now Chase. I tried to pay it online and got some numbers incorrect on my bank account so I got a charge back. I called them and got it corrected. Then on my next bill, my interest rate went to 29.99%. When I called to speak with someone, she talked so fast as she said her canned speech that I had to ask her to slow down because I couldn't understand her. I told her it was only 2 days late and she said that it didn't matter and that I also had a charge back which counts against me too. I asked to speak to someone else and she said they would tell me the same thing. I ended getting very upset and yelling on the phone. All said, there is nothing I can do now and I have had that credit card for many years without one late payment or anything.

I would like Chase to take responsibility for their website by making good a reversal of the service fee and removal of any credit rating links negatively affected by "a late payment". My MasterCard was switched without any action on my part from WaMu to Chase approx. in March/April 2009. Around April 23, I queried as to the need to make a payment on the account, by attempting to log-on online. The pop-up had advised "no user by that name" or similar, on and off since the switchover. Due date was on April 27.

I got a letter from Chase stating that they closed my account as it had a $0 balance and had not been used in 24 months. I have had this card since 1990 and have a credit score, from all 3 credit reporting companies, in the 800's. They said they would notify the credit bureaus within the next 60 days. Will this affect my credit? Is this legal?

I received a letter today from Chase regarding one of my credit cards with them. I was informed that they had closed one of my credit accounts because it has a zero balance for the past 24 months. They also said they will inform the credit bureaus within the next 60 business days. I find it disturbing that they can close my account without my permission. I have very good credit.

After the collapse of electronic store Circuit City, we wondered what would happen to our outstanding balance on a Vizio HDTV. Soon after, we contacted customer service where they assured us statements will be issued by Chase Bank regarding customers. We obtained an 800 number and began to contact the bank to finish off the remaining balance (roughly $180). After two months of useless attempts to receive account information and payment processing, we received a notice from Chase claiming we were past due by a month and due to the infraction, our special finance rate had been diminished. So our $180 balance was now inflated, $39 for a late charge and $178 for interest accumulated over the life of the purchase. Now our balance was a shocking $397 with a 26% interest rate. Mind you, we never received a statement or a letter. Considering we've never missed a payment on this account, it was a bit alarming and something was fishy here.

I previously had a Washington Mutual Credit card. I had paid off the balance, cut up the card, and called them to close the account, as I no longer required it. Approximately 3-4 months ago, I received a credit card from Chase with a $30,000 limit. I called Chase and said I did not want the card, have cut up the card and asked them to close the account. Later, I received a bill for approximately $275. They told me I had a previous balance from Washington Mutual. I never received anything from Washington Mutual saying I had a previous balance.

My APR has been changed without notification twice. First time it was changed was in 2008. I called, and they had apologized and changed it back to the normal 5.99 on purchases. May 2009 I was just browsing my statement and noticed it was changed again to 9%. I called Chase and spoke with a supervisor, who gave me no options except to close the account or live with the new APR. The economy is bad enough, and now, they are changing terms on people trying to make ends meet. I was not given any options. I was told either close your account or put up with the new APR. I have been a Chase credit card customer for almost 10 years. I cannot believe how they have treated me in the past year. I will have to pay the higher APR on my balance and now even higher on purchases.

I had a Providian credit card, which became WaMu, which became Chase in March 2009. They did not carry over my payment alerts to Chase account and charged me late payment fee of $39. I called them to ask if they can waive late payment fee because my alerts are not carried over and I missed one payment by 4 or 5 days. They put me on hold for 40 minutes and a woman named Kristen spoke to me very rudely. She said that I am expected to read every line of their mailing notifications, take measures and it was not a bank error at all. I told her that I am a customer of 5 years and rarely missed a payment. She just said that it was not a bank error and we cannot help. She would not transfer me to anyone else in the department. So basically, it is bank's choice to move my account, not transfer my payment alert settings and then charge late payment fee of $39 all because I did not read the notifications they sent. This seems so unfair, and I feel helpless.

On April 13, Chase sent me a statement and there was a balance of about $3000. The amount was due on May 8. I paid the full balance on May 4 via automatic bank transfer. The money was taken out of my bank on May 5. I was not late for any payment and yet was charged a fee of $31 (it is called "Purchase Finance Charge - Other"). I asked Chase what was going on. They told me that I had to pay interest for the days between April 13 and May 4. This is clearly ripoff. I have never heard that I have to pay any interest if the full balance is paid before the due date.

On or about March 2009, we noticed a $10-fee being assessed to our account with a balance. We paid off the balance and still the charge appeared. We called and the customer service rep said we had to pay that no matter what! He said this was a new fee and it would apply with or without a balance. We chose to end our account (not what we wanted, since we'd had that account for many many years). Today, we got a check for $30 rescinding the fees. Mary said, "We have decided to end this practice." I was livid. I told her I closed that account because of that fee. She told me we had 90 days to reinstate the account. I told her to do so. Within seconds, she said she couldn't because of our credit score. In October 2008, our credit score was 774. If something has happened to it now, it's because of Chase!

Recently Countrywide gave my credit card account to Chase. Countrywide was not that great, but better than Chase. I routinely made phone payments to Countrywide with no problem. Chase demands a $14 fee if you call on due date, in order to post payment on due date; otherwise, they post the following day and charge "late fees." Isn't that nice? I decided to cancel this solitary card and do without. All credit card companies are set up to steal via extraneous fees, changing interest rates, etc. Chase wrote me to say "Don't close account; call this number for appealing reasons to stay."

My January 2009 Chase credit card statement revealed Chase had increased my fixed 3.99% APR to a variable 12.99% APR. The statement indicated my December payment was late even though I mailed the payment on December 21, seven days prior to the December 28 due date. A $39 late payment fee was also added to the account balance.

I have a Chase credit card and I am paying every month on time, never late, but I received a letter from them on 14 May 2009 stating that they sent me a letter in February for an increase in interest rate and I did not respond to them and they did not charge since February. That's why they are charging all last 4 months together now, which is not fair. I never received any letter from them in February. I pay online. I check my statement online every month. How would I know what's going on and what they were planning? They said they did not charge by error, what does it mean? Is this a small organization? If the letter expired on 20 March to respond, according to them, they were supposed to send me a letter 21 March that I did not respond then they will charge extra but they sent me a letter on May 14. It clearly means they are lying and they are trying to steal other’s money. We are supposed to file a class action lawsuit against this company.

I am an authorized user on a credit card. I have used the card more. I also make all the payments. I was days late with one payment and my payments doubled. I paid it, and my monthly payments now remain doubled. My minimum monthly payment has doubled. I cannot comfortably afford the monthly fee now. The credit company will not help. I must seriously consider ruining a credit rating that was excellent. My option is now to go into Chapter 7 or 13? Why keep good credit now?

I filed a dispute with Chase against the Nevele Grande Resort in Ellenville, NY back in Feb 2009. At this time, my card was owned by Washington Mutual. I never had a problem with them or even with Providian who owned them before. My dispute with the Nevele wasn't found to be in my favor and I've been calling her up to dispute the dispute b/c I had enough evidence to withhold this resort and their misleading advertising on the conditions of the place. In the past 48 hours, I got one phone call back and it went to my voice mail. I must have called 30 times and left 5 messages and I can't get a hold of this lady. They, like the Nevele, are very unprofessional!

Chase increased the "fixed APR" for life of balance transfer on the existing balance of my business credit card from 8.99% to 16.9%. Chase said they have sent me a notice but I never got one. How can a bank change a fixed APR on an existing debt?

Never open an account with Chase Credit cards. This company is one of the reasons why the US is in such debt. I'm nearly 49 years old and have never failed to make a payment. These people raised my rate from 8.99 to 29.99 percent because of an error. No matter they don't care about customers - no loyalty at all. These people would rather cheat you out of a few dollars than keep you as a customer. Obviously, the management has an evil mindset and cares nothing about an individual. I have had many credit cards through the years, but nothing like these cheating, money-hungry rip-offs. Stay away from them, and pass the word to everyone you meet to never ever get a Chase credit card. They will try and leave you without a ** on your back if they can. Luckily for me, I can pay them off and I will tear up their evil card tomorrow. Watch out for these deceivers.

I had a Chase credit card a few years ago. I closed the account because after 2 years, the card was still the same $300 credit line (Yes, I have asked a credit line increase and the request was declined). Now I have another Chase card, which was owned by WaMu when I applied (Of course, this was not my intention after the previous experience). It went over the limit and I admit that was my mistake. I checked my balance before using the card to make sure enough funds were available, but I forgot about the finance charge. This was also when the ownership changed and the interest rate was increased. I called them to ask to remove the fee and none of them was able to do that even though I have been a good customer, never paid late, never went over the limit, and have been paying more than minimum. It is their ridiculous policy: they cannot remove over limit fees no matter what situation you are in. I am closing my account and will never have their card again.

Chase received my posted check late, according to them. They charged me $49. I called them and they told me they would drop the late fee but not the finance charge. I thought all was solved. But no, the next month I was charged $35. This is the only time I have been late. This is totally unfair to have been charged almost $100 for an alleged lateness.

This is on a Chase Circuit City account. At the beginning of the loan, they kept changing the due dates. The thing that I'm really upset about is that we have interest free until 2010. They claim because there were 2 or 3 late payments, we are liable for the deferred interest of $195.

Chase sent me a statement with an APR of 29%. That was up from my previous months by 11%. I called and was told I did not pay the bill on time. This shocked me since I do not remember getting a bill. Nonetheless, I am sometimes forgetful so I searched all my paperwork for the bill. No bill. I called them again to let them know that I did not receive a bill. I always pay on time. In fact, my mortgage and my credit cards are the first thing I pay every month in order to avoid exactly this kind of legal consumer fraud. Unfortunately, they do not need to prove that they mailed anything out. They verified my address and that was sufficient evidence for them to prove that they mailed out a bill. Okay, I figured rather than getting a heart attack trying to argue this point with them, I informed them that at the higher rate, I could not pay so they simply will not get any more money from me.

The following story happened to me after Chase purchased WaMu. While I was still with WaMu, I had 2 cards with them and asked WaMu to give me a specific due date for both cards on the 13th of every month. In March of 2009 I received both invoices, one with a due date 4/13/09 and the other 4/12/09. Both full payments were as usual scheduled for 4/13/09 and for that, a charge of late payment and APR charges were put on my account with the due date of 4/12/09.

I had a WaMu credit card that never had a late payment. My FICO as shown from WaMu has been steadily climbing over the past year to be at 780 before the WaMu/Chase conversion occurred March-April. I went online to make my April payment only to discover that my due date had been changed from the 20th (which it had always been) to the 16th and was now 4 days late. I happened to be paying off my entire balance in full, over $1,750!

The experience I had as described below is one that millions of Americans are having as banks try to collect losses from bad decisions from their customers who have kept their agreements:

My current Annual Percentage Rate (APR) with Chase Credit Card Services is 28.24%. I called the Customer Service number to request a reduction in the rate. I spoke with a representative who gave me a list of reasons why I might have a high interest rate. When I pointed out that none of the reasons applied to me, she simply replied that the bank was not offering reductions in interest rates at this time. When I asked to speak with her supervisor, she denied my request. I typically pay at least double the minimum amount due each month. I have never been late with a payment, and my credit rating is good. I believe a 28.24% interest rate is criminal, and I would like assistance in getting it lowered.

I became a Washington Mutual Card holder in 2006 with an interest rate of 14%, which was pretty good for me. I kept my account in excellent standing, constantly paying off my account. When Chase bought out Washington Mutual, I received a letter stating my interest rate would go up to 31.9%. This is ridiculous and should not be legal. They can see from my history that I was an excellent cardholder, paid early and always over what was asked and paid off my card constantly. I think they should be forced to lower this interest rate and our previous interest rates be given back.

My dad, Edward **, is 92 and in a nursing home. The letter came regarding $10,368.69 owed to Chase on credit card **. This is not Dad's account # and I have all 3 credit reports of which this account is not on it. I have a POA which I sent to the Legal Department at Chase and subsequently closed his real account as paid and never late. I made 2 calls and sent an email to which there was no response without my POA and other documents sent to them. I want to pursue this in court without harassing phone calls and letters from this firm. This could be a sham and identity theft involved. They have the wrong Edward **.

In February 2009, I received a notification from Chase that my APR would go up from 3.25% to prime plus 4.99% unless I opted out. I called and opted out. The beginning of April, I received a notification from Chase that the earlier correspondence was sent in error and if I wished to reopen my account under the old terms of 3.25%, I simply had to call customer service. I did and the woman on the phone told me my account was reopened.

Chase increased my interest rate to 29.99%. My credit is good, but I made some late payments! I don't think that I deserve such a high rate. I requested they lower the interest rate, but they can't do it until after my payment posts. Why do they have to wait? What difference would one payment make? By the way, Chase saw that I made the payment, but it didn't post yet. I am going to pay off this account and close it.

I don't care what you have to do, don't use this credit card company. They are ripping people off left and right and screwing the good people to pay their bills. We have now twice had them try to pull the old, “You paid you bill late” or “You went over your limit by a dollar,” now, “We are raising you APR to 29.99%.” The first time it took a lawyer and our statements from the bank to show we paid on time before anyone would help. This time they tripled our monthly payment and then said, ”Tough, we can't help you.” We are pulling everything from Chase. They are the biggest customer service rip off and the biggest fraud of a credit card company in the United States. Nothing would make me happier than to see this banking system and its subsidiaries go down the big toilet tank. Shame on you Chase. You are a disgrace to the American people.

Having been a Chase BP (Standard Oil) card holder since 1972, I just discovered that my account was purged. My last purchase was in March 2008 and I was later told that 37 years as a customer doesn't count for anything. Was I notified by email, letter, or phone? No, I found out when I was out of gas along the interstate. Even though my card shows good through 03/11. Since my account number was purged, I am no longer eligible to contact Chase by email. This way, Chase management can continue to believe their complaint levels are not a problem. Please explain to me why this is bank that we cannot let fail?

They charge me a late fee every month. I have automatic payment set up and sufficient funds. But this credit card charges me late fees with all the different excuses.

I am a 20-year long-standing customer with Chase. My husband was deployed to Iraq unexpectedly in 2007 which required me to resign from my position as an HR Manager, due to travel requirements. (We have small children and travel was not feasible.) The deployment impacted my health which then required me to use my disability benefits (Payment Protector). Once I came off of disability, I was able to obtain a part-time position paying me significantly lower than my previous salary due to the state of the economy.

I had a credit card from Chase. I made an online payment, but there was a glitch and my payment wasn't taken out. Payment was due March 30, but I didn't notice there was no withdrawal from my account until April 6. I immediately made a payment and called Chase to explain the error. They said they would remove the late charges. I also asked for a payoff balance. She said they couldn't give me one, but gave me the current amount due and said there would only be a couple of dollars interest. I paid that balance on April 12th.

We had a credit card through Washington Mutual that we used to do a debt consolidate. The account was bought by Chase. Our payments had always been on time until April when I missed the due date. The payment was made several days late, but well before the next due date. To our amazement, Chase raised our rate from the introductory offer to 29.99%. This was our first and only late payment to Chase (or WaMu). We even have both our cars financed with them without ever missing a due date. And even worse than the rate was the fact that our monthly payment nearly doubled due to the incredible amount of interest.

Chase bought my WaMu credit card account. I had been a long time customer and never paid my bill late. Chase raised my interest rate to a ridiculous 24%. I called to have it reduced (especially since they advertise 0%) and they refused. So I paid off my credit card in full. The phone and the Internet both gave me a balance of $8498.17. On 4/08/09, I paid the current balance and I have a receipt that confirms the account is paid off.

I received a letter stating that the APR would be going up, so I opted out and closed the account. I was paying online monthly and was never late. One day just as I was moving, I paid using an online banking account that was one of the accounts saved; however, it had been closed. I did this by mistake. When I received news that the payment had been returned, I immediately called Chase and made another payment. Meanwhile they charged me $39 and upped my APR to 22 percent. When I realized they had done this, I called and spoke with two customer service people and one supervisor. I explained my typo and requested a change in the APR. I was told there was nothing they could do. I called my American Express Card and transferred my balance. This will cost me at least $99.

I am a WaMu cardholder whose account was bought by Chase bank. I never received any notification of the changes until I logged onto WaMu to pay my bill and was redirected to Chase. On March 23, 2009, I created an account and, at that time, started an automatic draft from my checking account. On May 6th, I received an email which stated my new bill was available and upon checking it, I noticed I was charged a $39 late fee and my interest rate had been increased to 29.9%. I then called Card Services to find out why this happened and the supervisor explained to me he can see where an automatic draft was attempted, but he was not sure what happened and I would have to fill out a form and mail it to get enrolled. I don't think this is fair nor was the transition from WaMu handled very well.

At 7:45pm on the due date of my credit card payment, I tried to make a payment online as I usually do. I was unable to make a payment without agreeing to a $14.95 courtesy fee. Since I was trying to pay it on the date due, I called Chase. They said, since it was after 4:00pm, I had to be charged a courtesy fee; otherwise, there would be a late fee of $39.00. I think this is disgraceful. In order to make the payment, I had to agree to pay $14.95 courtesy fee, even though I was paying it on time.

I'm a previous WaMu customer taken over by Chase. A month ago, my wife called Chase because we never received a bill and noticed the payment was late already. She spoke with a customer service rep and they said they had everything cleared up, and we would receive a bill the following month. Well, the May bill never showed up either. Again she called up on the 5th and noticed the payment was due that day. I proceeded to call customer service and I got a line of crap about the bill being sent back to them both times from my current address. I asked the guy (not from America) why the company did not call me to inquire why this bill was being sent back and he said, "We don't do that."

I was perfectly happy as a Washington Mutual Bank credit card customer. Then Chase took over and promptly doubled my interest rate for no reason. I was never late for a payment. That was on April 8, 2009. I called them and Chase refused to lower the rate back down to where it was before they took over. Fine, that is their business. I promptly closed the account that day and sent them a check for the full amount that was due. They received it on April 14, 2009. That should be the end of the story since that is what they said I owed and that is what I paid.

Chase unilaterally decided they should have a greater return on investment and gave me a choice between doubling my interest rate or increasing my minimum payment by 251%! I feel that this is a breach of our original agreement.

I was paying my newly acquired credit card bill online and it did not come to my attention until 3 payments into it that Chase Bank was tacking on unauthorized payments to itself in the form of "Payment Protector" fees. It was unseen online but only on the paper statement for $128.60 each time. When I called Chase's "customer service" line to ask who had authorized these payments, they insisted that I must have and had forgotten. I found with the original statement a flyer selling this thing by a "call this number to activate" pitch. I have not yet reached the age of dementia and know fully well I did not effort to call a number for a scam I would never have considered in the first place.

My original credit card was with WaMu and I've had no problems with it. When I tried to pay my last WaMu bill, it was not accepted. I received no notice from Chase how to pay the bill in a timely fashion. I called them, found out how to pay, and understood that all charges had been removed. I get a new bill with the finance charges of $2.77, albeit a small sum, but again without notice. I refuse to pay finance charges that accrued because they did not make the transition in a timely and professional way. I will not pay a cent for their incompetence, so I cancelled my card.

My complaint has to do with the Chase-WaMu buyout! I am very conscious of fees and interest. I do everything in my power to prevent them. I and a friend opened a WaMu account a little over a year ago. All went well until Chase bought WaMu out. For about 4 to 5 months, I had been paying the account balances of both accounts using the same checking account. I was a little leery at first but my tensions started to ease after a few months.

I had an account with Washington Mutual for several years. Chase acquired WaMu over the last few months. I also have an existing Chase credit card. During their system conversion, I never received my WaMu bill via Chase. I did however receive my Chase credit card bill. I sent the payment in, no problem. Several days later, I received a letter stating that my interest rate for my legacy WaMu account had now increased to 29.99% and my minimum payment was now over $400!

I am appalled at the amount of consumer complaints against Chase credit cards. I'm also relieved to hear that I'm not alone. Every story that I've read is a mirror of my exact situation. I lost my job in April 2008. Every credit card company I owe money to was very sympathetic, except Chase. When I called to explain that I lost my job and could we work out a plan so that my interest rate wouldn't increase, they laughed and said, "Pay your bill." Unfortunately, that attitude put them on the bottom of the bill paying list. When there was extra money to pay credit cards, the extra was going to Best Buy and Macy's - not Chase. They proceeded to charge me every month for $39 over the limit fee and $39 late fee.

Chase took over WAMU and we had a credit card with a payment due on the 28th. When we went to pay our bill online before the due date, we noticed a $39.00 late fee. We called the number and they told us our due date had changed to the 17th. We were not even notified of this change. Today my husband went to pay our bill again online and noticed Chase changed the rate to 29.99%. The rep we spoke to said they can change the terms at any time they want to and they did. My husband asked to speak to the supervisor.

In May 2008, I used two (2) "convenience checks" from Chase, both with 0% fixed APR. The first check ($5,250) had a 0% rate until 10/08, and the second check ($6,000) had a 0% rate until 5/09. I was told that the monthly payments I made would be applied first to the balance on the first check, and once that was paid, it would be applied to the balance of the second check. Instead, when I paid off the first check in November 2008, they applied part of the payment to the second check, and started charging me interest on the balance from the first check. Since that time, they have been charging me 10.99% on the balance of the second check, and I cannot get them to change the account. Today, 5/6/09, I spoke with David at (800) 945-2000, and he basically said they would allocate each monthly payment in a way that made the most money for the bank. This was not what I was told when I made the checks, and I have written to Chase twice, with no response. So far, the improper finance charges are over $500, and growing.

I had a Chase business credit card and the company contacted me by phone, that if I agreed to close the account, they would make the interest rate 7.99% until paid (unless there was a late payment). I agreed. Today, upon mailing my payment, I glanced at my statement and the interest rate was 14.99%! I pulled my last three statements and the rate increased in April and I had never been late! When I called to inquire what had triggered the almost doubling of my interest rate, Jamie said that the credit card company can change the rate at any time in accordance with their credit card agreement.

I called Chase on 10/6/08, asked for payoff balance to include any & all charges. I was told $7683.87 if I were making an online payment that day, which I was. I was on the phone w/ them when I made the electronic payment. I asked to have the account closed after receipt of my payment on 10/6/08. I've paid the acct. in full & closed it, therefore I'm done with Chase. Wrong! They assessed finance charges to my account. I was on a paperless cycle so I didn't know I had a new balance.

When Chase took over WaMu in March 2009, my account info and auto payment info were not transferred as they said it would be. As a result, my account became past due without my knowledge and my interest rate was raised to 30%, even though I had paid on time, always more than the minimum! They refused to do anything about it. I have no recourse except to vent here.

I called them to see why I was charged a late fee on my May statement for April 2009. I told them that they charged me a late fee on a Sunday, April 26, 2009, that they had set up my due date on a Sunday. He said, "Well, you had plenty of time to pay it." I told him, "You even shortened my due date by a week." I told him, "You had my payment and gave me credit on 4/27/2009." He said that they can charge me for a late fee any day they want and they can make my payment due on any day they want. They can post it when they feel like it and he then told me I couldn't prove I even talked to someone.

I had WAMU and now my credit card has just switched to Chase. I consistently made my payments on the 1st of every month. I only have $1,000 on my credit card and the last two payments I have made of over $200. I've been using e-statements for years and promptly switched to Chase e-statements when WAMU made the switch. However, I still have not received a single statement or bill from Chase. I recently went online to pay my bill for May and noticed I had a late fee for $39. I called about it and they said that I had to pay between the 2nd and 25th to be part of the billing cycle. They were very unhelpful and said they never reverse late fees - no matter what my case being.

I had a small credit card limit of $1500 with Providian, that was bought out by WaMu. I paid approximately half of the balance one month as we did on all of our cards to help our credit. Washington Mutual then cut the available balance to $798 without my knowledge. Then I apparently was over my limit, due to the reduction and using my card for approximately $50. Then Chase took over Washington Mutual. I decided on April 13th to pay it down, so it was no longer over the limit.

I was promised rate reduction upon payment. I made payment on Thursday and called back the following Monday. I discussed the matter with four reps including a supervisor. Apparently, a rate reduction is not possible without six months of clear history. In conclusion, the first rep was lying outright or justifying a 1/10 truth in that a reduction was technically possible over time.

I had a Circuit City account which I used it to pay at the store. They stopped accepting payments when they went into bankruptcy. Chase wouldn't accept payment at the bank. I mailed the payment. It was not even 30 days past due. I was charged a fee $451.61 on a balance of $300. I also have a Washington Mutual credit card which went to Chase and they raised my interest rate to 22%. I was only late one time about two years ago when I was in the hospital.

Back between March of 2004 and May of 2005, we were being billed for Payment Protector, which we did not authorize. We've called back in 2004 and 2005 to have it removed, and it has never been removed. Recently, they've agreed to cancel it. We now would like to have all of the charges reversed, and we are really getting a runaround. They've offered to investigate but according to Rip-off Report, in rare cases, credit card companies will review disputes but refuse to reverse the charges.

In April/May of 2009, J.P. Morgan Chase took over Washington Mutual Card Services. My payment due date with WaMu had always been the 16th of the month, and I had never, I repeat never, been late with a payment. I made my payment on the 10th of April, 6 days before the due date. I was shocked when I was charged a $39 late fee, and then noticed that they had changed the due date to the 9th. Without informing me of this change, I immediately sent them a message via customer service. I got a reply saying they did inform me, but could not provide a date as to when. Also, they raised my monthly payment by $54.

On March 24, 2009, I called Countrywide and was told that Chase closed my Countrywide credit card account on March 23, 2009 and that Chase had taken over operations. They stated that they had mailed me a letter 30 days ago with an option to convert to a Chase account. I asked them to resend me the letter and to redeem my accumulated reward points, but they refused. On March 25, 2009, I went to their website, clicked on "pay credit card" and was given the amount of $1,285.06 which I paid. They received it on March 27, 2009. On March 28, 2009, I went back to their website and verified they had received payment and that the balance was 0. That should have been that, but not really.

I have had a Chase Visa and MC since 1986. I got a notice in the mail that they were raising my interest rates due to "market conditions" and to "keep my account profitable". My credit score is in the high 700's so I thought this was unjustified. I called and argued this point with several "customer service" agents who tried to make me feel better by telling me that I wasn't the only one this was happening to, and that there was nothing they could do.

Like many on this forum, I had the same experiences. I was a WaMu customer for years with no problems and great customer service. The minute the credit card changed to Chase, all the problems arose! The bill due date changed for the bill date I had with WaMu. I tried to change the automatic payment date on my online banking but was not able to. It was too late to change the date. I called Chase customer service and was told there was nothing they could do. I got onto their online site and saw I could make a payment online, so I did. I check the site and saw that it went through; however, it never came out of my bank account.

After having a personal account since '90 and a business account since approx '97 with WaMu, I was told by one of my suppliers that my WaMu MasterCard business debit card was declined. A call to California confirmed that WaMu/Chase had suspended my accounts with no notice! The reason given is because I deposited my receipts into my personal account and then, in the same visit, transferred the monies to my business account. I was advised to do this by a former WaMu manager to avoid an excessive cash fee levied on Small Business Accounts, if more than $5,000 in cash is deposited per month. I had been doing this for 5 years. Everyone at the branch knew it! Imagine, a bank that doesn't like cash! My outstanding checks will probably bounce with well over $1,000 in the Business account alone. I have $5000 Overdraft Protection on this account.

As a customer initially of Providian, then Washington Mutual, our card is currently managed by Chase Bank. While recently going online to check on our account, it was inadvertently setup with paperless account statements. This happened without my knowledge and without my consent. Further, no communication was sent via United States Postal Service or through any written communication. I confirmed this with a conversation with Alex **, a manager in the call center. This caused us to miss one payment over the many years in which we have had this account. This has resulted in our rate to increase to 29% and a late fee of $39 be applied to our account. We hereby respectfully request that the late fee be credited and more importantly that the default rate be reversed for this account. The reason we feel this is appropriate is that your online account setup did not provide further validation of my intention for paperless account statements nor did you provide any validation of my intentions.

I had spoken to Chase to pay off my wife's account. I worked it out with them to pay in three installment plans of $1,178.49. I sent off my first payment early. They did not tell me they were going to take out the payments automatically from my account. I called to notify them what had happened and spoke with someone who assured me that since I had been charged a double payment, they would not take out the final payment they set up in April and as soon as the final payment was made (automatically) in March, they would close my account.

First off, I was a longtime member of the Washington Mutual Visa card. I have no Chase cards - that was until they joined up. I did not know this until my credit card was declined. I called the number on my card and got Chase, which explained that I missed a payment a few days prior. According to them, they sent out messages of the merger and that I am late on my bill. I have never been late on any bill ever until this! Because I am not a Chase member, I shred every Chase card papers I get so I have unknowingly shredded my bill! I went to the closest Chase Bank I could find and paid it off. Then the next Chase statement I got, I noticed nearly a $50.00 service charge. I have never had a service charge before and their customer service is so bad he sounded confused when I asked what a service charge was, and if I was to be charged every time I used the card. He said yes, so I am looking for another credit company. Bump this Chase garbage!

What can we do about this situation with Chase? There are so many people that have been affected negatively ever since WaMu sold out to Chase. My credit card interest rate is now 29.99%. I have been making payments around the 1st of the month and my due date is the 26th. I made a payment on 4/1/09. Yesterday, I was surprised to find that they charged a late fee for April of $39 plus increased my interest rate. They said I did not make a payment for April. What? My payment was made on 4/1/09. They said that because my statements are generated on the 1st that the payment counted as a March payment. This is nuts! They need to stop! What can be done to stop the abuse from these financial institutions?! Help!

What can we do about this situation with Chase? There are so many people that have been affected negatively ever since WaMu sold out to Chase. My credit card interest rate is now 29.99%. I have been making payments around the 1st of the month and my due date is the 26th. I made a payment on 4/1/09. Yesterday, I was surprised to find that they charged a late fee for April of $39 plus increased my interest rate. They said I did not make a payment for April. What? My payment was made on 4/1/09. They said that because my statements are generated on the 1st that the payment counted as a March payment. This is nuts! They need to stop! What can be done to stop the abuse from these financial institutions?! Help!

Recently, my WaMu credit card was replaced with Chase. My due dates with WaMu were on the second or the third of the month and I was able to go online and schedule my payment two days before the due date, nothing earlier. It is my choice to make to hold on to my money instead of the credit company. Chase changed that due date to the 28th of the month and I found a $39 late fee on my statement. I did not receive a paper bill and had no internet access.

When Providian transferred to Chase, I had to reenter my bank account information to make the payment online. I would have sworn that I entered it correctly but for some reason, it truncated the last 2 digits of my checking account number. Upon checking to see why the money had not been withdrawn from my checking account, I realized that Chase was charging me $39 for a late fee adjustment and another $39 for a returned payment fee. Shame on me for not getting a printout of the transaction but have never had this trouble with online banking before.

Oh my goodness, I've read previous complaints and I have experienced exactly the same. My card went from WaMu to Chase, and right away, my interest rate was increased to 29.99%. I have always paid on time, more than the minimum and this is how they treated me. I called customer service. They were very dismissive, did not care, did not want to hear me out, and worst of all said, oh well, there is nothing they can do about it. I told them to close my account and I would just pay off the balance. I have been paying the ridiculous interest rate in the last two billing cycles. Today, I happen to check my statement, and lo and behold, my account is still open. I am very furious with them and I will never do business with Chase ever.

Two Chase credit card accounts went to online paperless statements without my knowledge. As a result, they were paid late (when a rep called to notify me they were late). I never set up a user account with Chase and never logged onto to their website. I never set up online banking. As a result of being late, my low interest cards doubled in interest rate and the credit lines were reduced to the current balance. Other cards noticed this and followed suit. The personal financial damage is hundreds of dollars monthly and the toll will continue indefinitely.

Until about 45 days ago, all of my credit was paid as agreed. I have recently experienced a sharp decline in income and instead of using a credit line for cash so I could make minimum payments, I decided to let the payments slide. Chase has been calling me every day to see if my situation has changed, even though I have informed them that I am trying to find work anywhere that will take me. Today, I received a call from a Chase representative telling me "This is a courtesy call to inform you that we are turning your account over to an attorney in California to sue you for the amount due on this account." I have been paid as agreed for over 7 years with my creditors, sometimes making only the minimum payment, sometimes paying them off in full.

As of 2009, Chase nearly quadrupled the rate of interest on my credit card. Last year, I was paying over 8% interest. This year, it jumped to 29.99% which means I am paying about $300 more a month than I was last year even though I have not made any charges on my account this year. It nearly quadrupled because back in December 2008, a mistake had been made in my bank account and my normal payment to them bounced. This was corrected when I got a call from Chase about a week later and made the payment for December plus I made an early payment for January.

Visa (Amazon) credit card bill was mailed with full payment 5 business days before due date. I was charged late fee of $39.00 and finance charge of $3.61. I called and talked to James and Misty ** (supervisor). They would not reverse the fees, saying that the payment arrived one day late. There was no flexibility with fees. They said it was set in stone. My take is that this is a great way for Chase to make some money off us consumers in these tough times. My recommendation is to not use Chase or WaMu cards and services. They will rip you off on the fees. I am ready to join any class action lawsuit against this greedy company called Chase/WaMu. I will be doing some research with my attorney, and if I find anything, I will post it for everyone.

The rate jumped from 8.99% to 12.24%. I have always paid on time and more than the minimum payment. They don't care. Now I have a variable rate. Why is Chase allowed to increase the rate by almost 4.5%? Total ripoff.

I took out a 0% interest rate bank transfer, which has normal associated fees. It wasn't due to be paid off until August 2009. Recently, I took out cash advances which I could afford to pay off at the end of each month. I bank online and never glanced at my statement. I was shocked to find that my cash advance were accruing 25% interest and the 0% rate had been paid in full. I frantically checked the past four months of statements and was horrified to find out how much interest was paid on top of the expected fees. I assumed since I have excellent credit and pay my bills off or early, they would fix the problem. I was told the "payment hierarchy" cannot be changed. It's required by the bank to pay off the lowest items to the highest, regardless of the effect on the customer and regardless of what the customers request. I am sick right now trying to figure out what to do.

Last month I paid my WaMu bill online, as I normally do. I was made to change my account, and in doing so inadvertently agreed to go "paperless", or I would not be able to pay my bill online. I received a notice of delinquency on my account (less than 2 weeks late), and when I called to say I never received a bill, I was told that it was my fault. I was told I should have enrolled in automatic bill pay (which I would never do on a credit account). I haven't had a late payment on any account in over 15 years, and Chase's actions are criminal and misleading and reprehensible. I can't wait for them to go belly up.

I've had the same Visa account for years. It was a Providian Visa, then a Washington Mutual Visa and now it is a Chase Visa. The APR on this card has been 5.99% for several years. When I received my April 2009 statement, I found that the card had changed from WaMu to Chase and the APR had been increased from 5.99% to 10.24%. I called the 800# listed on my statement and asked about the drastic increase in the APR. I was told that a letter was mailed out to me in Jan. 2009 explaining that Chase was taking over the account and that if I didn't want to pay the new APR, I had until Feb. 1, 2009 to opt out. At that time, the account would be closed and 5.99% APR would be continued on the unpaid balance until paid off. But since I had not responded by Feb. 1, I'm being charged the 10.24% APR.

It's the same issues with Chase - rate increased to 29.9 %. I had WaMu for over 3 years with no late payments. Credit limit is $7000 with only $2400 balance. Monthly payment went from around $50 to $126 a month. I scheduled payment online in the bank account, but it didn't process for some "unknown reason." Customer service was less than cordial and refused to discuss fixing the problem. WaMu is now owned by Chase, yet they have 2 separate systems and that was my problem as quoted by Customer Service. This has put a financial burden on me at this time. I paid the account off and closed it. I find that I am in the same boat as everybody else here. Chase is obviously dropping clients as fast as possible to open up the credit pipe or just squeeze out more money from an already hard hit economy stricken public.

I took out a credit card with WaMu. Rates were better than after WaMu went to Chase/JP Morgan. However, it has been jumping like crazy - now at 31.99% APR and climbing higher. I called and talked to a representative who laughed at me and told me to deal with it. I have good credit and don't deserve this kind of treatment.

Because of unemployment and my husband’s loss of work due to cancer, we got behind with cc debt. It is a first, no late payments until two weeks ago and I called every card and explained. Chase Bank has harassed me and sent every rep they have calling me. And even though I resolved everything and am on a payment plan and even sent money by phone, gave my account number, they continue. I have done nothing wrong.

Ironically, my Washington Mutual bank was acquired by Chase wherein I also have a credit card account. I paid my credit card payment to Chase with my WaMu account. When I noticed the payment had not posted (while everyone else's payment posted, mysteriously, Chase's payment did not), I immediately called Chase to inquire about receipt of my payment. They alleged non-receipt and immediately I opened an online log in and made payment online. Consequently, I thought my mail had been lost or stolen; hence, I made two stop payments and made the said payments online. Interestingly, Chase received both of my payments - the original check and the electronic payment I made subsequently, then reflected only their next statement the stop payment that I had requested to WaMu (online).

In March of this year, I received my statement from Chase that had two fraudulent charges along with finance charges due. I was not carrying any balance due prior to this statement and did not accrue any finance fees. With all the charges, the minimum payment due on the March statement was $134. I immediately called them to let them know of the errors and also wrote a letter to their Customer Service department that I was not responsible for the fraudulent and the finance charges. The only valid charge was for $8.11 and that's what I paid to Chase since that's what the "Billings Rights Summary" indicated, that I was only responsible for what was not in question.

I tried and thought I made my payment online. The printout had the words highlighted: "Confirmation. Thank you! Your payment was Account Farmers and Merchants (my bank) was successfully ... credit card (then the number)." This was done a couple of days before the payment was due. I got my next bill with a large $39 late fee and they raised my interest to 29.99%. I called to explain and she agreed that I had never been late with a payment, but could do nothing. I asked for a manager and spoke with her. She said the same thing. She was polite, I was polite, and then she hung up on me. I did get a chance to tell her that the printout was really deceiving. Apparently, I had enrolled in the online payment but the payment did not actually go through. I do not want my credit score ruined by one simple mistake, or more likely a misunderstanding, and it seemed very intentionally a type of scam/set up on their part. I have paid many bills online and have never had any other problems.

We had a credit card account with Washington Mutual, which has been absorbed by Chase. We have always paid in an excellent manner. When we did not receive the March statement, I went ahead and scheduled a payment through online Bill Pay, anticipating that they could possibly change the due date thereby putting me late and enabling them to change the terms of my account. I paid the bill 6 days earlier than usual. I received the statement today to discover that they did change the due date to 7 days earlier. So, I was one day late.

I always pay my bill on time every month. I noticed after opening my mail that there was a late fee on my statement. I called and told them I had made a payment on the computer and for some reason, it was never taken out. The supervisor said that we could sign me up for a recurring bill pay. I refused. After getting off the phone, I paid what was due. She did not tell me that if I did not pay the balance in full, they would charge me $800 in finance charges. This is crazy. If they check my credit report, they can obviously see I have never been late ever! Charging someone $800 in finance charges is crazy. The lady that I spoke with the second time said it would not have mattered anyways, I was 6 days late. Please look into this. There is no reason for this happening.

I recently got an interest free loan in August of 2008. When I received my billing statement, it had a due date of 09-14-08. In October, it was still the 14th, and all the way through January, it was the 14th. I pay my bills through automatic bill pay and set it up to be there by the 14th. It has posted every month on the 14th. Then in February and March, Chase changed the due date to the 13th. My bill pay posted on the 14th. So I received a late fee of $35 for each month for a total of $70. When I spoke with the first representative, he said they could not change it. I was then transferred to a supervisor who then told me that he would not refund the late payment fee. He told me that he was instructed by upper management that because it's an interest free loan, that he was to close the account out and I would have to pay the amount owed along with the late fee, but he was not to refund the money for the late payment.

I had always maintained a good payment record on my WaMu Visa card, paying on time, always more than the minimum and never going over my credit limit. When Chase took over my card, an event I had not chosen, I was required to re-enter the information for my bank account for online payments. When I did this, I mistyped one number entering a 4 as the last digit of my account number instead of a 2. Because of this, my first payment to Chase wasn't recognized by my bank. I discovered this within hours of it happening and immediately corrected the error, issuing a corrected payment that was more than the minimum and well before the deadline.

Back when I opened my Chase account, I was given a 0% fixed rate on purchases and balance transfers good until 5/1/08. Then the purchase rate and balance transfer rate would be 9.99% fixed thereafter. In Feb. 2009, I received a change in terms to 14.24%. On the same notice, it also stated any promotional rate will not be affected as long as I maintain my account in good standing which I have since the beginning (04/07). I called Chase as I felt my balance transfer rate should not be affected because it was a promotional rate from 0% and on 5/1/08, it changed to 9.99%. I feel my promotional rate 9.99 should not increase as per my notice, only on my purchases should it go up (14.24).

Chase took over my Washington Mutual (WaMu) credit card account. I continued to make payments online as I had been doing with WaMu. In April, Chase charged me a $39 late fee on a $50 payment even though I made the payment online at their site a day earlier. According to Chase representatives, their supervisor and ultimately, the Manager at the Chase service center (in the Philippines), even though my payment was only 3 hours late, I was a new customer, unfamiliar with Chase policy, and their 1 pm cut off was not disclosed on the site, Chase policy is to charge a late fee and they will not adjust or reverse the fee.

This has been going on since it was Washington Mutual: due dates changed without knowledge; extra charges occur because, now, you're past due; $39 + interest rate went up because of late payment, which was paid online on due date. I'm now at 26.99%. I was at 30.99%. Anyway, this is **.

I contacted the customer service department when I opened my most recent bill to see that my interest rate had increased by 5%. I was informed that it wasn't a reflection on me, but it had to do with business conditions and they appreciated my business. I asked for the person who made this decision and if he or she has taken a pay cut or had the same policy applied to their card. Their standard answer was to contact Deb **.

I received my May statement and noted a late charge and my rate had shot up to 26.99%. I called as my old card was under WaMu with the same due date for 3 yrs. Customer service told me "too bad, Chase adjusts the payment date every month, my new rate was a result of a default on my payment and there was nothing to be done." I asked for a supervisor, was originally told the service operator was authorized to make decisions, but could not make any decisions. I kept demanding a supervisor, and finally talked to someone else who refused to do anything.