Chase Credit Cards Reviews

i called chase the dont want to wave the fee and i paid my bill it is totaly not my fault how am i spose to know if my payment went thru or not i spoke to a supervisor it didnt help i tried 3 times calling they didnt want to listen they say u should of called again i said i dont have time im not going to call every hour i have a life especially that the represenetive told me to wait another day the case is totaly unfair and what could a small person do against chase the big bank the service is terribele im not the first that says that !!!!

i had to pay 39 dollars because chase website is unavaileble!!!

Proper evidence is not being provided. Credit is not being refunded. Repairs to make on Vehicle from Vespia's Tire Center was never done.

When I called them the said the couldn't waive the fee and were fine with me closing the account. Apparently, this is there way of getting rid of customers that can afford to pay their credit cards and can't make any money from. I'll never use them again, totally dishonest, shady business practice.

We should have believed negative reports online or from acquaintances who had quietly mentioned Chase problems. My hubby, who used to think he was smarter and that we were "abler" than those who developed a "chase problem" has sworn off new credit card offers no matter how tempting and I believe that Chase VISA will continue honing their shoddy business practices for as long as they attract enough "fools born every minute" and those who "think they are smarter". The continuing influx of false fees easily pays for a new string of customer service dupes to fleece the foolish.

My husband opened a second credit card, small trial account w/Chase after receiving a mailing shortly before he became ill in 2006 and was hospitalized for several months. We were initially relaxed as his balance was only a few hundred dollars and that would be taken care of by the "insurance" that Chase sold him with the card. Since HUBBY was hospitalized, and often unable to speak to the rep. They neither called our home or answered calls or sent statements.

I had my own cards, and while this was ODD--as long as the insurance paperwork went through I just put it down to Chase privacy and I did not want to take over his account and give up the insurance benefits that he had paid for on it--neither of us were worried as Chase customer service assured us and the forms for his disability continued to arrive for his doctors. We had never used this card insurance before, so initial answers were acceptable. Six months later, a month before he was to complete his treatment/therapy, my husband contacted Chase himself to find out why the monthly medical form had not arrived, and he was concerned about not receiving any statements (a matter he had me request info on for two months prior without any luck). He struggled then asked them to talk to me about this.

Their NEW answers ruined our holidays and almost sent him back to bed: 1. several months earlier the "insurance" had stopped paying but continued sending forms and no one had contacted us; 2. they now asked if he could please "catch up" the $450+ in charges related to this; 3. the previous request was repeated, by their Collections department, in a DAWN CALL a few days later even as a "manager" checked on our problem. After more calls to Chase and their outside insurance company, we were told that copies of the doctor's forms would not help nor would they reinstate his insurance without the late fees being "paid off". Hubby negotiated that amount down from $450 to $150 in a strained voice and I delivered a check to the local bank.

By the time it was settled, we no longer needed the medical forms as he had completed his initial treatment, and, while still disabled, his new goal was to pay off this card and argue about odd charges. CANCELING the card and the mock-credit-card insurance was more difficult than it should have been. This took over a year and several major confrontations that negatively affected our credit ratings. Chase reported payment errors, "bounced" checks (that MY bank never rejected), and late fees even when the faux balance was paid before a due date. This was NOT a "joint account". THEIR ABUSE has increased the interest on MY current personal and business credit cards from a past 3.4-12.3% all the way up to 22.3-35% WITH NO LATE PAYMENTS. I am lucky, I can put away my OLD cards and open NEW lower rate interest cards but even that move lowers my (and our) credit score. We had planned to buy a handicapped-accessible home this year, but with these errors affecting our rates we will stay where we are for a few more years.

The CHASE ERRORS were a learning experience in how the actions of one incompetent company with poor customer service can add stress and/or destroy lives. WE ARE VERY LUCKY. My husband notes that if he did not have me available to fight this for him he might never have been able to end the nightmare or have had another stroke. We lost hundreds of dollars in an ugly learning experience, but are still here with a few resources left. With his health (and voice) damaged by a stroke, it took us over a year to get CHASE to close the account. The ORIGINAL CHASE CARD was cut up and not used, but it was not unusual to spend an afternoon with the manager of the local bank (easier than customer service) working to get the card back nearer to a ZERO or near-zero status. By May 2007, we were assured that soon it would be CLOSED!

Then the collections calls started, at 6:00 and 7:00 AM Central Time; they did not see why we had a problem with this as they are based in another time zone. NOW they wanted "bounced check fees" and "late fees on fees" for a check that had cleared our bank long before the Chase Visa computer stated that our check had been refused-- for a small fee, again less than $100, they would not damage our credit rating any further (they had already reported the issue before notifying either of us by phone, email, or in writing) and would promise to "investigate" the issues--keeping the card open. In a few more weeks, maybe they would CREDIT MY HUSBAND's no-longer closed card and correct the credit report (his) after a few more months, mine. This sent me back to customer service and the bank where no one has a problem with DAWN calls and various managers suggested paying the incorrect late fees EVEN IF THEY WERE WRONG TO AVOID FURTHER DAMAGE TO MY CREDIT RATING.

At this point, I went to my own bank and sought assistance there. Even though I was NOT on this credit card I HAD paid the Chase bill from my bank account (ergo, this 1 of 4 negative reports was correct in their eyes even though my bank said that I had NEVER had a check "bounce"). AFTER this check cleared (before the due date etc), they reported the Chase card (that I do not have) unpaid AND they reported ME for a bouncing check that had never been refused by my bank. After a few more calls from the bank, and a three-way call starting at our home and tying Chase Customer Service to my bank--Chase Visa finally agreed to correct their files and FINALLY allow us to CLOSE the account. Another "check up", a week later kept the card open through May, but authorized a return of an additional $70+ to my hubby after they realized that I had overpaid/charge errors during our extended 15-month "one day we will close this dang card" period.

I should be happy, BUT they only corrected errors to my disabled husband's credit reports. NOW, two months later, they continue to report activity (payments) on a CLOSED, 0-balance account but they will consider, if we want them to keep his account open and file a DISPUTE FORM, submitting a note to correct errors that they have added to MY credit reports; this is not done easily as my name (different from my husband's) and social security number was not associated with the card when it was opened or closed. In two years, nothing has come of any of the complaints that I have made, BUT Chase PROMISES THAT THE DANGED VISA ACCOUNT IS "or may be soon" CLOSED! Is it?

Three months after we were told that the account closed, we continue to receive invoice statements with ZERO DOLLARS DUE after faux adjustments--a credit/debit on a closed account. We owe nothing, but this "action" at CHASE keeps the account active. We have to read each one for accuracy. We want this account CLOSED-CLOSED-CLOSED! How can we go a few months without receiving new 0-BALANCE statements? Today, they AGAIN promised it was closed and the statements would end (soon). If only we still had the ability to believe

There should be a SPAM button that could be attached to a mailbox, then perhaps some could avoid CHASE credit card damage and the related mental and monetary stresses (our mailed invitation came via a local bank after we "opted out" of most offers). Unless you enjoy pain (and have enough cash to pay for it), avoid offers from Chase Visa!

I was told I signed up for PAPERLESS statements. That is when I remembered that many months earlier I was online signing up for that, BUT never clicked the CONFIRM button as I was side tracked and never finished the process of enrolling. Thus, no statements were received thru the mail and I continued to carry the CC in my wallet. I then asked to have the late charges removed to no avail. I always paid my balance off as the bills came due. So I paid them $423 to get current and said I would look into this and call again regarding the late fees.

I then went online and viewed the statement delivery preferences and there are 3 bars at top of page, 1)enrollment- which I had filled out.
2) verify- which I did also. 3)Confirmation- which I did not click or proceed with due to me being side tracked and deciding not to proceed.

The 3 bars for the first 2 items were filled in and colored blue but the 3rd bar (confirmation) was not colored. This led me to believe I had not proceeded with the statement delivery preferences and would continue to receive my statements as usual. I then called back customer service and explained what I believed had happened.

I basically was told by this very rude rep that she was on the phone with me for over 30 mins. and she would do nothing and that is that. I was concerned due to all this my credit would be affected and asked to speak with someone that could verify that I had indeed signed up for paperless statements. I was given a phone # for the IT dept. When I called the number the # was DEAD! I have been livid ever since and have not tried to contact them since and have continued to make my minimum payment to keep things current on a balance of $93.

I want to call them to ask to remove the late fees but have not brought my self to do so. I have been with this card since 2001, and always made my payments as needed and on time. I presented this to rep but they did not care or empathize what so ever. My FICO score for nearly 10 years has been on average of 750, when I checked last month it is now 660. I tried to get a loan on my paid off truck this week and was denied due to my score being below 680. Is there anything I can do about this? I am unemployed, with my savings exhausted, selling my home, and need to utilize my remaining assets while I look for work. But Chase has pulled the rug out from under me.

I even questioned the fact that I never even got a letter saying I was overdue/late on payments! Also after all this I went back in and turned off paper statements, requesting them by US mail. I still have not received a statement. Did it again and am now waiting to see if I receive a statement on this next closing date of 07/16/08. How do I contact IT dept for verification that shows I completed the paperless statement signup? Thanks and no thanks to Chase CC or their rude reps! Fico score reduced by nearly 100 points. Not able to borrow against my present assets till I can sell home and am scrambling to keep up payments and not foreclose on a home with over 100k in equity.

I worked to 2 years building my credit and they ruined everything for a measley 29.00 late charge profit, which is ridiculous in itself. I will send the next payment registered mail this month because, clearly, they cannot be trusted and they need to be monitered and babysat. I'll need to call on the 20th to make sure they got the payment and actually cashed it like they were supposed to do. I was planning on getting another account with them for a bigger loan when this was paid off and now I need to find another company. The world has become full of shallow people who are ruled by money, and it's really sad.

My interest rate will go from 0% to an enormous interest rate. It's damaged the credit that I worked so hard to get and it wasn't even my fault. It's stressed me out.

At the end of the month, I paid enough to cover all of those transactions plus some of the $5000. Yet I was charged a finance fee on my July statement. I now find that I have to pay finance charges until I reduce the balance to 0, even if I make no further transactions. So much for 'interest-free'. I am actually paying more in charges than I would have done if I had simply spent the $5000 without making use of this promotional offer. When I called to complain, the representative was extremely rude and sarcastic. She literally laughed at me and said, Absolutely. Have a great day. I will now look for some legal remedy.

I called and asked that my due date be 30 days from the end of the billing period. The woman I spoke to said, We dont allow 30 day grace periods. I told her that I didnt want a grace period, I wanted to pay my bill (or have it arrive) 30 days from the end of the billing period. She insisted that wasnt possible and that only 20 days were allowed. The claim that a customer can select a payment due date that works best obviously isnt true.

Since our conversation was recorded, Id like to ask [them] look up that phone call and tell me that the woman understood what I was asking. I think not. If she did, I would be satisfied and my billing due date would be 30 days hence July 7th or any 7th thereafter. My credit record is far above reproach and I am appalled at the way good customers are treated.

Because I plan when to pay my bills, I use my credit card accordingly so there wouldn't be a need to jockey my savings around once it's time to pay a bill. This new system doesn't allow the consumer to get the most benefit from a savings plan that would gain interest, as opposed to paying interest on credit cards. It's ludicrous. How are Americans supposed to save? There's no such plan anymore. It's all corporate (executive and board) greed.

I have now been on hold for 45 minutes, (am on hold as I write this). This happened yesterday, where they kept me on hold until after closing hours. It is their attempt to keep you from canceling their service. Nothing but organized crime.

i am furious with the inept customer service that i have received in dealing with this matter and i am also upset because it will negatively effect my credit score. i did not ask for this card or authorize it but the account was opened anyway! i find the whole transaction to be underhanded and it makes me no longer trust my bank!

potential to negatively effected my credit score

I have lost the $30 annual fee and the trust to Chase Visa Card customer service representative. I have suffered unnecessary stress that triggers my Gastric Reflux and Insomnia.

I then called Chase back and they said they would refund the 59.99 but it would take 30 days and that I had to pay the whole amount this month and then get the credit. I said I would not do that and talked to the manager who finally said I could deduct that amount from the total and just pay the smaller amount. I didn't trust them to give me the credit. I never authorized this and have no idea what it's for or how they got my info to charge me for it.

My husband is 80 with diabetes and had a triple heart bypass. I'm 76, also diabetic and have just had my 3rd back surgery. We're on a fixed income. We would not have enough money to pay our monthly bills if this charge is not taken off and still be able to eat and buy medicine.

Now my credit rating is ruined, and instead of a lower credit card payment, I can barely pay the interest on the card.

I called the number on July 7, 2008 to try to find out why we had received another bill. After talking with Alex Roman, a customer service manager, I can tell you that I will NEVER have any dealings with Chase again. I have closed my account and asked to be taken off of the mailing list. We did not have this problem with any of our other credit card companies. Everyone else was very helpful. Now, because I waited to make the call, an additional $20.00 has been added to the other balance, and Alex told me that even when we pay this new balance, Chase will still send us a bill for $1.00. This is a ripoff and I am MAD!

My husband lost his job two years ago, which resulted in our moving to another state where he found another job. We are trying to get out of debt which has resulted from his job loss and our relocation. Chase is making it very difficult for us to pay them off. I feel sorry for the customers who lose their jobs and can't dig their way out of debt because of credit card companies such as Chase.

I'm on a fixed income and that's why I got a debt consolidation loan to pay off the credit cards and be rid of their high interest rates. I thought I had Chase taken care of, and now I have to see how to budget in another payment to try to be rid of them. I think they're being unreasonable.

The customer service said that we have already been on the phone for 6 minutes , then 10 minutes. I did not know that there was a time limit if i needed to ask about our account! This is the worst customer service representative i've talked to. I do not know how Chase can even have credit card customers!

After hanging up, I called back because I realized that the address that Chase had on file for me in that account was outdated. I spoke to another customer service rep. She confirmed that my address on file was outdated. I gave her my current address and she said she would have the forms mailed out to my new address. I asked her why I even had to fill out any forms, since the credit card account was already closed when the charge was put through. She said that the first person I spoke to was in the Dispute Department and since he already started the dispute process there was nothing she could do. And that I would just have to fill out the forms.

I did not receive any forms in the mail. Late Tue night 7/1/08, I called Chase to again tell them that my closed credit card account had been charged $20 after it was closed. I spoke to a woman named Sheena; she said she did not have a rep ID number. She told me that the $20 was for a subcription, and that subscriptions are allowed to be charged to a closed credit card. I told her that didn't make any sense that Chase would accept such a charge. The $20 charge was from the Wall Street Journal. I had paid for a one year subscription to their online paper in March 2007. The credit card that I used was the credit card that was closed in Jan 2008.

In March 2008, I paid for another one year subscription to Wall Street Journal online paper under another Chase credit card. I told customer service rep these information. She checked my other Chase credit card and saw that I had indeed paid the Wall Street Journal with my other Chase credit card in March 2008. She said that Chase would not do anything until I complete the dispute forms. I told her that I did not receive any dispute forms in the mail, and that I believe that I should not have to go through so much trouble if a vendor runs a charge through my closed credit card. I asked her why Chase would even accept a charge on a closed account.

I asked her why Chase couldn't pursue the Wall Street Journal to ask for proof that I authorized the charge. She said that the only thing Chase would do is to investigate, after I complete the dispute forms. I asked to speak to a supervisor. She said a supervisor was not available, but even if one was available, the supervisor would not be able to do anything other than tell me that I have to file out the dispute forms. I asked her if the forms could be faxed or e-mailed to me. She said no--they could only be mailed, and it would take 7 to 10 business days to arrive. I told her I did not receive the forms last time. She had no comments. I told her to go ahead and mail the forms to me.

After hanging up, I thought about this again. I should not have to go through this much trouble if a vendor runs a charge through my closed credit card account and Chase chooses to accept that charge. I called Chase back and ask the customer service rep if there was any government agency that regulates credit card practices. I talked to a different rep. She said she couldn't help me. She told me that I should do a google search if I want to know where I should file a complaint.

Specifically, this has caused me about 2 hours time speaking to customer service, so far. I will still need to fill out the dispute forms (if I receive them) and follow up with Chase. But more importantly, this current process in which Chase places the responsibility on a customer to clear a charge that was made to a closed credit card account is ethically wrong. I don't believe it should be legal--if it is. Furthermore, Chase has constructed this process to make it as burdensome as possible for the customer.

If Chase is reasonably assured of a customer's identity to be providing confidential customer information on the phone, why does the customer need to sign a dispute complaint before Chase takes any action? Why can't a multi-billion dollar company like Chase fax or e-mail dispute complaints to customers to expedite this process? Why can't a dispute complaint be filed directly from the customer's online access to the account?--it appears that Chase makes it easy for the customer to pay his bill online, but won't provide any capability for the customer to file a complaint online.

I think this is a ridiculous process that Chase has set up because they think they can get away with it. I want them to: 1) not accept charges on closed credit card account 2) if Chase chooses to accept a charge on a closed credit card account, Chase has to eat the charge or resolve with the vendor; the customer should not even be involved 3) Chase needs to make it easier for a customer to dispute a charge. If Chase has enough techincal expertise to construct an online payment system, they should be able to provide an online dispute system.

Today I found myself charged a $65 annual member fee even though my account is not current, when called they say it is because I have a balance and so I have the member benefits, the only benefits are theirs and another way to make money with hidden fees from their cardholders

As a computer programmer and system administrator, I know for a fact that automated voice is significantly more difficult to program and support than e-mail. I don't understand why they cannot make that either an option or an all out change. Even though I was overseas, I was able to read my e-mails. This fraud service is a negative service, they charge for it and it does nothing because the fraud department and the customer service department seem to be unrelated. I called customer service about this, they forwarded me to the fraud department, who then said that they cannot do anything and that I should call customer service.

When I called them back, I was told that I should be speaking with the fraud department, and before they were able to forward me again, I asked for a Supervisor. This supervisor, who I thought was rude because I wanted to speak to someone in IT, he said that nothing is going to change so I should stop insisting. He did, however, said that I should call them that I am traveling and they would flag my account as likely to have unusual activity and they would let that through. For this time around, he would send me a letter that I could send to any credit agencies to get my record corrected since it was Chase that suspended my account and not by any fault of myself.

I guess that doing this might have me flagged as a problem customer, and thus I don't know until the next time I check on-line. They also have a problem with their on-line system that you can only have one computer registered to the on-line site. Thus if I want to do anything from the office, I can't do it from home and vice versa. They seem to be unable to let you access from more than one computer.

I return home to late notices on a number of bills that I thought were still being paid. Luckily none of the 5 bills that are regularly paid via credit card had reported me to a credit agency.

I just applied for a card with circuit city and just got it in the mail today...guess who? you guessed it. I am going to call and cancel it today! and call circuit city and explain to them why I don' want to carry their card being backed by chase. Maybe if we all voiced this places like amazon etc will get the hint. I Encourage everybody to go to bbb and file a complaint against chase and make sure you check out a business there before you accept their credit.

I've threatened them with a law suit for harassment, but it doesn't even phase them.
Since June 25th, I have 32 calls logged from them, including 3 already this morning and it's only 10:00am.

If I had the money, I would send it to them, along with the card cut up in little tiny pieces. I will never do any kind of business with Chase again.

Beyond the constant harassment. The economic hardship is beyond repair. We make $350 payments to them every month, but because of the interest rate, the balance only continues to go up.

When I called one person say is fine; then another say sorry we can not change your rate; the sad thing is that I want to work with them; but they do not want to help; I'm also would contact the FTC and let them know all this; How one person say the rate is restored back; and another say sorry is 29.9 APR from 9.9 APR. is unfair.

Now some medical bills are hard to pay; I'm stress due to damage my credit due to Chase

The economic damage is on the order of $800 dollars. The Emotional termoil and time spent dealing with them is significant. I truly beleive these people should be Jailed for Stealing.

Furthermore, my interest rate will stay at 13.99% because I've lost my 0% promotional fee due to my late payment. I begged them to see if there were something they could do about it and reminded them that I have been a very good customer for years with no late payments. I have 3 other Chase cards that I've never been late paying and I've been with Chase since the 80s. They said they couldn't do anything about it. I then told them that I would have to pay it off in total and close it and all of my other Chase accounts but they still didn't care and wouldn't remove the $96 fee or return me to my 0% interest rate. Also, my due dates have fluctuated many times over the year.

I now have an interest rate of 13.99% and I have to shell out $96 dollars not to mention each month I will now have a large interest rate charge.

When I received my next bill on 04/08/08 I called to inquire as to how much needed to be paid in order to keep my account current (I have always paid each months balance in full). I spoke with Darla, Nicole Chapman & eventually a supervisor Shelley Clevenger that any monies that I pay go against the loan amount and not my recurring monthly charges. I than told them that I felt I was misled & I would immediately repay the $35,000.00 which I did that day. I was assured that all associated fees would be re-imbursed.

When I received my next statement I called and spoke with Sandra Branch to verify what I needed to pay in order to insure that no fees would remain outstanding. I was told that $1,897.95 would pay my outstanding balance in full (not new charges). My next statement revealed a previous balance of $5,150.40 and payments received of $5,150.40 and a past due amount of $0.00 however I received a finance charge of $25.42. I immediately called & spoke with Omari who refused to allow me to speak with a supervisor even though he was difficult to understand.

Eventually I spoke with a supervisor who said that no additional fees would be reimbursed & that I need 2 cycles paid in full before finance charges were no longer charged. I complained that I was not informed of this when I spoke with Sandra Branch last month. She informed me that it was not their responsibility to inform me but that I was responsible to read my agreement. I told them that I was very disappointed & that I had been an excellent customer for years & this is a business account that they obviously did not value.

Many time consuming phone calls plus the $25.42 which was not reimbursed.

Consequences are that I have to make the minimum payment or my credit will be ruined. I don't want to not pay it and have derrogatory credit report so I have paid the minimum $10 for the past 2 months hoping they would take care of the fee and they won't. This was their error, they have an employee who gave me erroneous information. The account is paid in full except for this fee!

Our card had a balance of $4000. Now it is up to $7000.and we have been making payments! It is simply from late fees and over the limit fees. They will not work with us to help-at all. My mom had a balance of $1200. now it is up to $3000, with the same problem. They have never let her on a payment arrangement even though she went in a home. I would never recommend [Chase] to anyone and we are letting our friends and family know. They are appalled by this treatment.

We have lost thousands of dollars, even though we have tried so hard to pay our account and got it down under the limit. They kept adding charges regardless and would not help us-at all.

Im on time, Im paying today. The day June 9th doesn't end until 11:59 and %9 seconds right before midnight. This is highway robbery and if thats wasn't enough my due date keeps changing from the 9th to the 10th, so that I can never pay on time if I wanted to. Im sick of the Credit Card companies abusing their power.

of course Im paying more a month now to make a payment that is on time. I live in Los Angeles, so Im paying for the 3 hour difference. Its still today until 12 midnight.

At the beginning of this year, I started to receive letters in the mail announcing the fact that my account was no longer being handled by Unicorn, but instead by Chase Health Advanced starting in April. Assuming that my account information was going to change, I deleted that account information from my online automatic bill payment service. Unfortunately, I failed to properly recreate the account with the new Chase information, and as a result my April installment was never received.

On Saturday, May 3rd, I received my April statement (which I opened on Sun May 4th), showing an outstanding balance for the previous month of March. Shocked, I quickly went online, rectified the account information, and scheduled an electronic payment for the previous month, along with the present month's charges, and a $39.00 late fee, which was to be sent out the next business day (May 5th). Being the statement said that I had until the 28th to may these payments, and that there was nothing annotated anywhere that the payment was due immediately, I assumed that the only penalty for my administrative mistake was the $39.00 late fee. On May 14th, however, I received a letter simply informing me that my promotional program of 0% financing had been terminated due to a delinquent account.

Perplexed as to why they did not receive my payment that was dispersed on the 5th, I called them the next day. Much to my dismay, the CS rep tells me that my promotion was cancelled on the 10th, they processed my check on the 12th, and sent the cancellation notice to me on the 13th, which I received on the 14th. It seemed really odd that I received their cancellation notice in 1 day, but yet they did not get my check for seven days, until she told me the amount that I now owed in back interest: $1200! Of course I challenged the validity of the cancellation, due to the fact that the only penalty reflected in my statement was for $39.00, that a termination date of the 10th of May was not disclosed, that I was mislead in believing that I had until the 28th to rectify the situation, and the fact that despite this clouding I still sent a check for the full amount next business day. This, coupled with the fact that it occurred during the first month in which changes to my account had taken place, and the fact that all my previous payments over the past two years were in full and early, should have been enough to see that it was an honest mistake, which I tried to resolve in a timely fashion. Despite this evidence, all the CS reps kept reiterating was that it was not their fault? and that I was now responsible for an additional $1200. After asking to escalate the issue, they agreed to perform an investigation of the account. After a day or two, I contacted them again to get the results, which of course yielded that they were not at fault, and that I still owed the money. I again asked that it be escalated, at which point I was put in touch with Cindy Grubmeyer, whom I believe to be the CS manager.

After relaying my case to her, and pointing out how I sent my check next business day after being made aware of my outstanding balance, despite the deceptiveness of my statement, she again reiterated that it was not their fault. Although obstinate, she did agree to perform another payment investigation. I called again this morning to check on the status of the inquiry, and although she was not in the office to take my call, the CS rep said that the notes on my account were that it was not Chases fault that my payment was received / processed after the supposed grace period, and that I still owed the back interest.

Now, I understand that it was my fault that my March payment was initially late, which is why I have no problems paying an additional $39.00 for the month of March, but to then deceive me in believing that I had almost a month to make the payments, hide the fact that they were going to cancel my promotion if they did not receive payments by the 10th, conveniently not process my payment that was mailed out on the 5th until the 12th (especially after I received their cancellation notice in one day), then blindly adding an additional $1200 in back interest, is just shady. Regardless of how this transpires, not only am I going to cancel my Chase credit card and sever all future ties with the company, but Im also going to encourage all my friends and family to do the same.

For example, I get my cable from COMCAST--a very well known cable provider. They insist that since Comcast doesn't declare themselves as telecommunications I can't get the reward points. Even the helpful telephone support folks admit that Comcast is obviously a cable provider, but they won't help. Anyone thinking of using CHASE credit cards such as the Freedom Rewards or cards like that should make sure to check in ADVANCE if the places you shop will be recognized. You'll in in for a surprise otherwise!

Reward points are above-and-beyond. But while there may be no economic damages per se, this is definitely tricky advertising on their part!

I called Chase and was told they called my home and were unable to reach me, to confirm I used the check. Therefore, they declined the check, which of course messed up my checking account and probably will result in a penalty to me from my bank. Chase confirmed the convenience check came with no authorization number to call and no warning they would decline the item if they were unable to reach me.

This seems outrageous to me. I do not answer telephone calls at home from toll-free numbers, especially without being told in advance that I would receive such a call. When a company as big as Chase sends me a convenience check and I deposit it, I depend on the check being paid without giving it a second thought. Then, out of nowhere, a large negative balance shows up in my checking account, and checks I've written are declined for insufficient funds. I have to scramble to get the $2,000 back into my account, and I probably will be charged a penalty by my bank.

I have delt with several credit card companies, payed them off, opened new ones, etc, never had any problems. I have a very good credit rating and I always pay my bills. Chase is purposely not giving a finial balance so that they can catch people with finance charges, late fees, and interest that rolls over from the above stated charges. There should be a law or something that when a debtor requests the total amount of his debt, that the creditor must give the pay-off amount, because apparently with Chase the total balance is not the total. These guys are flat-out crooks.

There were even times when late fees were charged to my account but i was not late. I would have to call and only when i fax them the info from my bank that i made the payment on time would they wave the fees. The representatives are real bullies who do nothing to help customers and threatened me with ruining my credit if i did not make a payment. I offered to make a smaller payment for the next two months but they totally refused and told me that they would close my account permanently if they had to do that.

They even tried to bully me into getting my bank account routing number so they can withdraw the payment from my account. In my opinion, this is taking advantage of someone who they feel is defenseless. Why tell me to call and then humiliate me in this manner not to mention that they are the reason my account balance is so high because of the escalating interest rate and the late fees. This practice needs to stop. It is ruining people's lives.

I was lured into transfering my balance over to Chase and then they increased my interest rate after a few months. I asked for a rate reduction but each time they have an excuse why they cannot do it. This is causing financial hardship for me and they are threatening to ruin my credit. My payment has escalated to almost $600.00 monthly and most of it goes towards interest.

I then called last week 5/12/08 to see if my APR could be reduced and or my credit limit increased. Three days later we get a notice saying that we are now going to be charged $10.00 a month for service fee. I called and asked why. tehy sd i was late on payments. I asked who i could t/t and they gave me another number to call. I called and they man sd it was my fault that i had not read my letter. I told him it was their fault for not appplying my payments on time. He asked if there was anything else he could help w/. I sd so no matter what you won't do the honorable thing and correct the problem they caused.

excess fees lousy customer service, lies and misdirection; deferring sent payments.

They did a credit report and sent me a letter stating that I had another Chase card and they were deducting $1000. off my $6,000. They would issue me another card for $1000. I received the $1000. card, never activated. In the meantime I received a letter from Chase, stating that I was over-limit and they charged me $39. This also nullified my 3.9% finance charge which now became 24.24%. I write them a letter on 4/24/08, stating the facts and returning to them the $1,000. NEW credit card they sent me. I asked them to take back the card and return everything to the way it was. No-one called me.

Today I called to see what they would say. The first person I talk with, Bill returns my $39.00 fee, moves the $1.000 back to my card, returning it to $6,000. and cancels out the NEW CARD for the $1,000. that I never activated. I ask him at the end if my 3.9% will be returned, he says he cannot answer that question. He now transfers me to the promotions dept. Linda Rodriquez was NOT very sympathetic and refused to do anything about it. I say this is YOUR fault and I think it's deceptive banking practices. She says I'm sorry that you feel that way. I say I will pay off this card and get rid of it.

Well I lost $178.00 fee, I lost 2 months and probably will be 3 mos. before I get this all accomplished of the higher 24.24% interest rate vs 3.9% and I don't know what that figure is. I have been upset over this since it first happened and wondered if they'd done it on purpose? After all is said and done, I do feel that they saw the opportunity to make more money. Any other bank would have refused to give a second card or would have called to discuss this before they took it upon themselves to do all of this.

A google search identified several additional victims of this scam. No other business operates this way. If businesses en masse arbitrarily changed their due dates, it would undermine the entire electronic banking business process. A google search on billing cycle changes revealed only one industry that was engaged in billing cycle changes. This change was in the utilities industry, triggered by the adoption of enhanced and more regular meter reading practices by several municpalities. In this case, there was a clear benefit to the consumer - more reqular billing - i.e. consistenly 30 days, instead of a wide variation in billing cycles based on when meters were read. Again, in this instance, the change was communicated by press releases, updates to web sites, and I assume by clear communication to their consumers. In addition, the change was applied consistently across their entire consumer base, not just a targeted minority.

While the individual damages are not large, I believe that the class impacted by this business practice could be substantial, and easily identifiable through a discovery process. Either that, or Chase would be found in violation of the Sarbanes-Oxley Act requiring detailed documentation of computer system changes.

I called to dispute the over limit fee and was told that it was bank policy that even if you are over $1 due to a fee they charge or interest they will charge the fee and not remove it. I will be paying the account off within the next 15 days and closing the account. I find it ironic that their marketing material tells you to access you account up to the limit and if you do so not only will you be charged the uncapped fee, but a late charge, and your promotional APR will be revoked because you are overlimit.

I am paying $500 in additional transactions fee which is exorbanent and I also have to pay $39 which is a result of their high fee which is not clearly stated.

The most disturbing thing is that when you call to request a courtesy, one-time reversal of the fee, they refuse. They outright refuse. The $39 in additional revenue is more important to Chase than having satisfied customers and rewarding them for their loyalty. Come on, guys. It's a one-time reversal. Every good credit card company does it with a smile on their face. The 2nd most disturbing thing is that they report this information to the credit bureaus!! BEWARE of Chase!

My otherwise perfect credit now has a negative notation indicating that I have gone over my credit limit.

You should see the hoops they have me going through to get my money back and it will take at least three weeks! This is ridiculous. It is fraud they stole my money --without my permission and are causing me to jump through crazy hoops to get it back. THANK YOU FOR YOUR HELP.

They took $19.97 from my credit card and signed me up for a membership in some phony travel fun pass thing that I did not ask for and certainly do not want or need.

However, about 3 months ago (Feb. or Mar.2008), I found Chase has been billing me $11.99 for the ID protection since July 2007. I immediately called the number 800 362 8182(ID protection department in chase) to cancel the membership again. Yesterday(May 11, 2008), I found the bill is still on my bill statement. I called chase's customer service again to 1) cancel the membership again; 2) refund all the payment. But they told me that they don't have my records of canceling the service and only agree to refund me for two months. They said it's my fault that I didn't closely watch my statement.

Actually I seldom use this credit card. I trusted Chase and its service in the past and didn't know they would do so badly. I have no reason to order such a service for two reasons. 1)I will go back to my home country next month and don't need to build my credit history in US. 2) I seldom used this credit card. For about 3 or 4 months out of my past 11 months using this card, the only bill is the ID protection. I clearly remember I called Chase last July(or June), because I even joked to my friends that Chase was a bad sales to sell to a wrong customer. I also clearly remember I called Chase in Feb. or Mar. 2008, because I was already angry that time. I don't check my bank statement often also for several reasons. 1) I trust chase. 2) I seldom use that credit card. The payment each month is too small for me to get alert. 3) I set up an automatic payment from my bank account to this credit card.

they charged me $11.99 every month from July 2007 - April 2008, totally 10 months. So it's $119.9 totally.

I now have a $39 late fee and I'm not sure of the interest I'll accrue on the $5200 balance I paid off.

So now I am stuck paying interest on this until I pay off the balance in full, including the transfer. I requested this charge be properly re-assigned to purchases and they say they cannot do so. Mind you the amount is small, but I am angry over the concept. Looks like a nice way to collect some interest from someone who takes advantage of the transfer offer. Watch out!

$3.00/month, but it still should not be assigned to cash transfer as it was a purchase.

I will not be able to make my monthly payments due to the outrageous interest rate and min balance due. I have been working hard to get my credit back on track and now this will set me back 5-10 years.

I called the customer service number to validate the card, and the person I talked to said I have to sign up for their Fraud Protecting Program, I kept refusing and he said they wouldn't be able to activate my card until I agreed to it and that I could cancle at any time after I got my package and statement for it.

About 2 weeks later I got a statement in the mail for the Fraud Protecting Program and I called saying I wanted to cancle it, so they did, at least thats what he said; and I never receieved a statement again. The BP gas station in my area closed soon after I received the card, so I never even had a chance to purchase anything with it.

A year after I purchased the card, I receieved a call one morning from the Viking Collecting Agency saying Chase contacted them and said I had an unpaid balance on my card. I explained that I never receieved any type of statement in the mail, since I had gotten the first one. What happened was Chase decided to enroll me in the program after a certian about of time, without my permission, and began charging me for this Fraud Protection. They failed to send me statements, or even call me to let me know what was going on, so I had no idea, especially since I hadn't used the gas card once, I ended up shredding it.

The Fraud Protection Program is a fraud its self. They failed to contact me about my statements, they saw I wasn't making any payments on it, and yet failed to call me, or send me something in the mail to notify me about what was going on. Then they expected me to pay the amount that had been building up over the past year!

The bottom line is that I have been calling for the last 15 months why it still hasn't been resolved. I am being told by the customer service department that they are working on it and someone will get back within 48 hours. Nobody ever does and I have talked to supervisors but there is nothing they can do. They are baffled as well and they just promise to look into it. It has been 15 months and a charge of over $16,000 dollars keeps showing up on my billing statement. Chase will just not resolve this and it has been 15 months and always the same respond from customer service; we'll get back to you in 48 hours.

It is killing my credit. I wanted to refinance my house but I can't because this charge is on my credit card. Chase is ruining my life and economic situation. I am petrified that they will make me pay for a charge although I didn't buy or received any work for the money. Chase has me emotionally drained and ruined my financially by keeping me from applying for loans or re-financing.

When i started to use my card for the i kept taking out cash from the atm from my savings account. They charged me 10 dollers for every 20 withdral i took out and made the bill impossible to pay. There was about 120 dollers of transaction fees.I than called them up and asked them why did they charge me all this money for when they said they wouldnt. They told me they never said it and i have to pay for it no matter what. I told them unless they drop those fees im not going to pay for anything, but they never did it.

Right now my credit is being destroyed because the bank lied to me or made a mistake and i have to suffer for it. The bill went up more than 1800 dollers which i origanlly owed them about 900 because all the late fees and overlimit fees. I tried to ask them to make a deal with me for 3 months but they said no. In the end they made a deal with me and i agreed for 350 dollers for 3 months.

I than asked my father after i made the deal because he was overseas so i had to wait. I thought he would be ok with it but he wasnt after that i called them up and asked them if they can lower it down and pay for extra months. For example, 50 dollers a month every month till it reaches 1050 which they required.They said no so i cancled the deal and we are still at war with eachother.

We than found out that they charged my fathersa account without his permission for 350 dollers twice and now going for the 3rd and last payment. They still went with the deal after i told them to cancle and took 350 dollers from my fathers account. Now my father has to go to his bank to tell them to get his money back which my bank took from him(credit card). These past 3-4 months, maybe more. They no as a student i couldnt pay what they were asking for and it was there fault for the lie or false information they gave me which is not my fault. They are taking advantage of begginer student like me to make themselves money and thats not right.

My credit is being destroyed. Charging my 1850 dollers before the deal. Took money from my fathers account without asking him making it harder on him to pay his own bills. Even adding more stress on my life that i have from my college and work. Still have to pay my tuition and they are making it even impossible for me to so.

They said if we came into to any trouble to let them know and they would help. around may my finacial situation changed and things were getting harder. i called each one up asking for help explaining my situation. they wanted us to answer all these questions to see if we needed help. they went through all my monthly expenses. the final answer was sorry your credit has been excellent and you never have defaulted so we cant help till you mess up. to this day this does not make sense. Why in the world would you want me to mess up my credit if you can help me with a solution.

After this happened they started to increase my interest even though i still paid and was on time. i asked why they said because from what i said we were becoming a high risk. they froze accounts from being charged. interest rates jumped to 15% then continued to rise. i still was begging for help and they ALL continued to deny our requests. i even try to refinance to get them out the way but the market was no good and i wasnt going to mess up the great loan i have with my home. that has never once been late in the eight years I've owned my home. around august i told them i could do no more. they started saying to borrow money or take it against my home. i said give me a better deal for either no interest or lower. i explained what i could pay each one. they refused. that is when i let them go one by one because i could not pay what they wanted.

We even tried to do a credit transfer which they approved. but when they did that they never raised the amount on the card and were wanting over $2,000 up front with a over the limit fee. she said sorry we will continue to charge you late fees and over the limit. this wasnt helping me. we even had a fraud incident which chase said they could not release any records because we owed them money never solved that one this was also from chase. now began the phone calls, the harrassments at work. telling co-workers our business when they picked up the phones. i finally had to change my house phone number.

Now that the cards are out of the main dept. and in collections they said they still have the right to charge me interest. i will never bring them down because they are still climbing. now they want the money in full or some riduculous monthly payment. they are threatning garnishment. my debt went from $19,000 for one to 27,000 another has gone from 10,000 to 17,400 i owe so much its so depressing. my mother in law helped me make a deal and paid off two cards for $15,000. i still have five more. she cant help with anymore. i am so stuck. i am paying chase two cards for my husband at $120 because we received a supeona for garnishment they were placing in court. i wrote back to their attorneys stating i will give $120 to them each month and please to stop charging me interest.

When i called them to make my settlement for my card they had a higher amount i asked why she said thats because we are still charging interest. chase never sends me statements to show my payments are being applied the the only thing i have is my letters and checks. I DO NOT HAVE A STATEMENT. this is such a shame, i dont know how we can get rid of this debt if i cant even lower it.

as of now our credit is almost void we still own a house our payments are always on time never ever late our current cards are on time no lateness either. our way of life is little harder not being able to apply for credit when necessary or emergency such as refinancing to try and clear some this debt . physically it was emotionally draining dealing with all the calls and harassment everyday trying to figure out how your going to get back on your feet but finding no true answer now.

Well, I am fuming because I was in banking for 12 years, have a graduate degree, work in finance industry, and was at one time a Consumer Loan department supervisor. In addition I have alert on my credit reports which nobody can pull one without my signed permission. Why would I pay for soemthing I have never used? I am out over $300 and neither Chase which I am sure is benefiting from this union, nor Privacy Guard is willing to pay me back. I hope there is a class action suit. I am writng to District attorney's office in Ohio as well.

In about 4-6 weeks I will get copies of the phone transcripts they claim wouuld confirm I asked for a servcie I never used or needed!

When I talked with Jimmy on 5/1 i advise him of me being unemployment and I am trying to pay my debet. He suggested that I could pay $237 by next Friday th 9th and they will not report me 90 days. I asked him how mandy days am i now. He said 47 days past due. I said let me try and get some money together to make this $237.00. I explain to him i was going thru Elite Financial Services to put all my bills together and make one payment and get it settle.. He said he understood and they said the way it works it takes 45 days to get an proposal thru.. I said Im very well aware of this.. I asked him to please put this on my account so the next person could see the notes.

Well this morning 5/2/08 I got another phone call and I did not get the gentleman's name but I advise him I spoke with a Jimmy in regards of this. He said there is no notes saying I spoke with anyone at all. I said well I did speak with you Jimmy. I told him the same thing I'm going to tell you.. I advise you right at this moment not to call this number again. I said this is harrasment on chase part. He said were not trying to harrass I said I understand that but the company is harrassing me. He said the number is on the auto dialer I understand that too but you dont keep calling a person 6 to 8 times a day. They have also called before 8 am. I have kept the messages from Chase.

On this current statement, a Valero Gas station which appears on the statement as USAVE MART GLADE SPRINGS VA was denied the %5 points. Since September of '07 this store has appeared on my card 4 times with no problem. All of a sudden on this statement, it was denied the 5% discount. The only explanation I received was that they can change their mind at any time. I think this is TOTALLY UNFAIR! Please, can't we make people play fair? I thought we learned that in kindergarten!

I am receiving a 1% discount when I was promised 5% on some purchases.

After about 5 minutes of being on hold, the rep told me where the information actually was. It was in a section called Explanation of Finance Charges. I pointed out that nowhere in this section did it say Important Information and if I was supposed to look at Explanation of Finance Charges then why didn't the convenience check offer say See Explanation of Finance Charges section. I think this is ambiguous at best and seemingly intentionally misleading. The account supervisor agreed that it wasn't really clear, but said that if I looked hard enough I would have found the fine print for the convenience check. Therefore, he would not waive the transaction fee.

As of now, I am closing my account with Chase and hope that consumer affairs will look into this questionable, at best, business practice. Additionally, I would like to note that when I requested to close my account, the rep. told me that I should wait for the following reason. I was told that I needed to have United Airlines Mileage Plus transfer the miles from Visa before I closed my account otherwise I would forfeit the miles. I called United and they confirmed that this was absolutely untrue. My miles transfer automatically each month. I feel that I was AGAIN intentionally misled to delay me from canceling my account.

$150, 2 hours of phone conversation with Chase reps and United Mileage Plus, and a headache

The only reason the payment was late was because they, without our permission stopped sending us a paper bill. The supervisor tracy davis suggested i was not told that the apr went up because of our credit report. she was extremely rude. Chase is one the the worst companies i have ever dealt with.

Since then all I get when I call is stonewalled. I am very diligent in at least paying the minimum on time. All I have asked for is to get a lower rate. I recently paid off $10,000. I called and requested that my interest rates be lowered based upon lowering my debt with them. I was told that there was no way to lower my interest rate. They said they did not care if I cancelled my accounts. To add insult to injury, I was changed interest on the amount which was paid off.

The high interest rate has seriously contributed to my in ability to recover from the financial hole created by my unemployment. Only by paying off, then re-financing my vehicle have I been able to make any gain on my Chase debt.

When I called up the Credit card customer cervice, They say they showed I agreed to a Prestige card upgrade, which, by the way, is up 20 dollars from last years attempt at this scam. I, in no certain kind words informed them that I did not want thier upgrade and to credit it to my card, the 79.00 dollar charge they so willingly charged me, reminding them that what this amounts to is a SLAM operation. If I Want their Prestige account, I'll ASK for it, not the other way around! This is a stealth Money leak program, and since I do not used the card often, there's absolutely NO VALUE, in their Prestige program for me, anyway. We need to introduce REGULATION LAWS THAT KEEP THIS FROM HAPPENING.

I suggest that we compose a law that states that if ANY upgrade or charge is offered, the customer must CLEARLY OPT-IN for it, not be required to OPT-OUT. We'll see just how well thier Recinding of charges system works. Since it's supposed to show within 2-3 businesss days, or: Surprise: 1-2 BILLING CYCLES. Guess what is going to happen folks? Well we'll see. I'll update everyone as the screw turns, so to speak. I think this is a version of automatic Slamming, and needs to be stopped with a class action Lawsuit. Are there any going on now that I can join?

A Stealth charge of $79.00 for an automatic Opt-in of a Prestige card upgrade.

Well then Chase declined the paperwork and said they needed documents from CC corporate. Well CC corporate had not done that so Chase is still hounding me. Seriously they call up to 6times a day (isn't that harassment?). They will not listen to what they are told regardless of whom you speak with and they refuse to deal directly with CC to resolve the situation.

Consequences: My credit score going to be affected which upsets me the most, harassment from the phone calls, my time they waste, and the extra money they think I owe them, now I am in debt

My credit has been effected by this. My payment is now over $600. APR will not be lowered by any agent.

When I called Chase Bank all I got were service people in India and they were less than helpful. No one could give me an answer of what this charge was for and why I hadn't received any statements in the mail informing me of this debt. The next day I called to cancel my other card and the service person forwarded me to a rep and she was very concerned why I was cancelling. I told her my story and she revealed to me that I had a charge of $79 in 2007 and the remainder of the charge was late fees. I told her I never received any statements and wanted to get a statement. She said she couldn't send me one, (since my sccount was now closed) but they would file a report for investigation by Chase of my past due debt. It would take 30-90 days, and I should receive a letter letting me know the outcome.

Good grief! I have a very good credit rating and am never late on my bills. This really aggravated me and also caused me worry this would affect my credit rating.

My vacation was 2 weeks, I came home (slept for 2 days) then paid my bills about a week later. Fool! Can you believe it? Chase had again shortened my billing cycle even more so that my $64 bill was due two days after I returned, which I noticed a week later! Needless to day, they've charged me another $40 late fee, will not waive it, increased my rate astronomically and again expect me to pay into the following billing cycle also. At this point I'm willing to take the hit on my credit score to tell them to you-know-what. This is usury plain and simple. If anyone is going to file a class action lawsuit again this company, I am in!

My credit score is very much affected. I was never late for my payment. Now I have to dispute this negative report.

What I am hearing is that is esentially impossible to pay off a credit card if full with Chase Visa.

Chase Visa is charging me for a $4446.90 finance charge. When I spoke to the Customer Service Manager she offered to reduce the finance charge by half to $223.45. I do not feel I should pay any finance charge since the entire balance was paid off before the due date.

While on the line I explained how my statements had arrived too late to mail the payment. I was told they were mailed on the tenth of March and I should call my post office. Her only other comment was I could go paperless online. I talked with a post office employee who said since the statements have no post mark it is hard to prove when they were actually mailed, but doubted it was really on the tenth. I agreed, and the fact that all my other mail seems on time and only my Chase statements are repeatedly late. I feel like it is their way to try to force me into being late so the can charge me more. My solution was to do a balance transfer to my Discover card which consistently arrives 30 days before the payment due date. Most of these problem cards were another name when I obtained them. It was after they merged into Chase that I began having the problems.

I paid out an extra $80 on penalties for making two payments in advance without the ability to see or ever know that there was an error until it was too late. Pretty bad when the balance was only $400.

I am sure my credit score is affected in some way. I didn't pay to receive my credit score but my credit report is 100% perfect except for this experience with Chase.

Nice. So here it is March, and a friend's grandfather passes away and I take the widow into a nice furniture shop to purchase a nice flag case for the flag from his military funeral. DENIED... WTF! Boy was I irate. I paid for it on another card and went home and called Chase. THEY CLOSED MY ACCOUNT! Even worse, they never told me (or not sufficiently), and the rep on the phone said they didn't have to (which I KNOW is not true). He said if there was notification it would have been at the bottom of my last statement. Well who looks at their bills once they are paid off? You know what REALLY REALLY irked me about the situation? If I login to my account online it shows I have $300 of available credit. How can they tell me I have $300 of available credit and then tell me my account has been closed? Apparently, Chase closed my account because I am too big of a 'risk' for them...a $300 risk. What a slap in the face, too. Here I am trying to do the right thing and pay off the debt that I owe to everyone, and Chase close the account on me.

Embarassment!

We are paying out an extra $600.00 a month now trying to pay for his next semester of college. Having this payment jump from $69.00 to $150.00 is going to make it very hard to make ends meet. With gas at $3.20 a gallon, it's starting to be a choice of food or gas after the bills are paid. This added aggravation is most annoying.

Dealing with these crazy interest rates without any TRUE justification to be at this RECORD BREAKING Level. Not having fixed rates, but variables, daily compound of interest, change of due dates to benefit them has caused more stress and financial hardship then I can describe. I have taken money from my retirement 401K, spent hours on phone talking to reps that do nothing in the end, written registered letters that don't get responded to.

Late fees on the LOC - they can't touch my credit card interest rate because I pay it in full.

On 2/12, Chase card member service wrote me a letter. I did not read it until 3/2/08. In the letter, it says: The promotional balance is still active. However, in accordance with the term associated with your account, you may lose the promotional APR as of the first day of the billing cycle in which a default occurs. If this is the case, your next billing statement will indicate that your promotional APR has changed to your standard APR.

On 02/2008 's statement, they do charge me over $260 finance charge and $39 late fee. If I was told that I would lost my promotional APR earlier, I would have paid my full balance in Jan, 2008, to avoid future finance charge, but I just know it for sure now. I just paid my balance in full since I was told the interest is 15.99% and accumulating daily. Additional information: They don't send me a paper statement. Today, I received another letter on new 0% APR they will provide to me. When I called and asked, the customer service representative told me it is for new transfers only, but it did not say it on the letter though.

I paid over $260 in a finance charge and $39 late fee charge today, and I was told they will charge more. The APR is 15.99% now.

They charged me a late fee of $39.00 and raised my interest rate. I had only used this account to transfer higher interested rate balances, and my interest rates were 2.99%, 4.99%, 5.99%, and 9.99%. They raised my interest rates to 22.74%!

I cancelled the card although I will pay the balance of course. These credit card companies need to understand that the don't have control over consumers. Without us they would not be in business.

My Husband and I use chase BP credit card for most of our gas purchases. This means that we will be charged overlimit fees monthly. Our household income of approximately $100,000 only qualifies us for a $1100 limit and we have exceptional credit. I had no other choice but to cancel my credit card and We will now have to rely on paying cash to fill our tanks.

I recently call the consumer service at Chase and they only lowered both rates around 3% and 5% which is extremely high for someone that has never been late on any of these payments. Is there anything you can do to help lower the interest to a reasonable rate?

Since online bill pay was conceived, I started to pay my bill that way. Never had a problem until last month when I sent the payment on time but Chase took their sweet time posting it so I guess they could legally charge me late fees and finance charges?!?!?

I got nowhere when I called and asked them to remove the fees, so I closed the account. The next month I scheduled my Chase payment (via internet banking) and watched my Chase account very closely. No posting for 4 days! I called Chase and told them that I was watching them very closely this month as well as my bank that sent the payment to them. Guess what? Payment posted soon thereafter.

It is pretty bad when you make your payment on time and still have to babysit Chase to make sure they post it on time.

I'm in the process of getting a new business up and running, and have let my credit card balances rise in order to preserve capital to pay marketing expenses. The payment for the Chase card has close to doubled overnight and is hurting my ability to get my business off the ground.

My score was lowered, and this could affect future purchases based on my credit.

When the guy on the phone told me that he would give me the numbers to call the companies that made the charges, I remembered what I read on this website, and demanded that the charges be removed IMMEDIATELY. He transferred me to security, where a rude lady eventually told me that she would cancel this account and all of those bogus charges along with it, and transfer the one legitimate charge to a new account with Chase. If I have one more of these illicit charges show up on my account, I am undoubtedly canceling my card permanently.

Overcharge of $36.52. Damage to credit rating.

I let them know about Consumeraffairs.com and that I will be writing to the Congressman who oversees the Industry and to really give me a second look as I will out then. They kept telling me we won't end the Practice until March 1st, sorry. I pleaded with them and said you don't even care that I have been a Customer for 5 years and I said that I really like their card and don't want to cancel. Again they don't care about you! I canceled and I get my next statement and my interest for the month took me over the credit line and they slapped me with a $39 fee out the door. They fortunately took the charge off as a 1 time courtesy. I said that was illegal and Customer Service rep said it's not and we do what it says In our rules! Enough said please post the facts to watch out for this Company

Stress! My Credit line of $16,000 at 26 1/2% =$4240 annual which means every monthly bill I would pay over $350 in interest before the principle. Just the Cold hard facts. Do they want me to go bankrupt?

Raised my interest so high my monthly payments are doubled so when I do pay only only half of my payment goes to principal therefore jeopardizing my ability to pay and I feel I am being treated unfairly

I told the person on the phone that I really couldn't believe what I was hearing and that I needed to be recording our conversation. At that point they refused to talk to me anymore or provide me with any over the phone services regarding my account. My question to you would be, are there any laws concerning the amount of time that a large corporation must allow before a bill is considered overdue, and what are the legalities concerning charging late fees or processing fees? I don't mind doing business with companies that practice legal business practices, but Chase Bank practices seem unfair and illegal.

Late Charge Fee Accessed and Account Interest rate increase as penalty.

Furthermore, forcing consumers to close accounts lowers their credit score. This seems inherently unfair and wrong when the same consumers have paid their bills on time. Chase likes to lure consumers in with low introductory rates but doesn't seem to have any intention of honoring their offers.

This is a transparent attempt to try and force me to secure an existing, unsecured loan. Now I am accruing interest that exceeds the payments being made.

My son contacted Chase in Dec. and Jan., and they will not reverse any of the finance or late charges. They told my son today that they could not have quoted him the $22,000 amount because they are not able to quote payoffs. They will not accept anything less than the $337.41 due now. They prey on the elderly and have profited from services I never used--and did not realize I was being billed for those services.

My wife is nearly 86 years old, and we are on fixed income. She has Alzheimers, and we do not want the stress involved with this. I have had to allow my son to become involved in my finances due to corrupt practices allowed by Chase and affiliates.

I have had this credit card for 13 years with Chase, and never been late. I have several accounts at Chase. They didn't care. I threatened to close my accounts, and they don't care about that either. I spoke three times to a branch manager, and from the sounds of it the branches have absolutely no influence over the credit card division at Chase, so that has not helped either. I called Chase customer service again, and they said that they could lower my interest rate by 1% as a gesture of good will, since I had been a customer for so long. The customer service rep then read a long disclosure message to me about interest rates and terms of the agreement. When he got done reading the disclosure, I said I didn't want to accept. He told me it was too late - he had already made the change. I asked him how he could make that change when I had not agreed to it, and he didn't have an answer to that.

Damaged FICO score. Monthly minimums keep rising and just eats my wallet.

I immediately contacted a Chase representative and explained what had happened and they stated that I could not pay my CHASE CREDIT CARD with a Chase savings account and only a checking account. The online bill pay did not specify this and accepted my payment. The rep took away the late fee service charge but did not keep my lower interest rate of 4.99 for life.

I called them 3 times and one out of the 3 times I spoke with a supervisor; all declined to reverse or waive these fees! So I closed the account, and they were more than happy to do that! Will NEVER do business with Chase again! I'm out $58.72 in UN-REALISTIC fees that should have not been imposed and credit report will now show a late payment. This is just not right, unfair and very UN-AMERICAN!

Did you know that if you have a balance on your Chase account, you will have to pay compound interest on that dollar amount regardless of how its computed? Let me elaborate: If you closed your account (which you should do if your reading this), and you paid the balance in full, the interest that was charged will still be valid on that account. If the interest amount is $100, if you pay that $100 you will receive a bill the next month, charging you interest on that amount that you owed. This cycle will not break, until you pay them more than they bill you for and hope to get a refund check in the mail. I am very dissatisfied with Chase, and have done everything in my power to make others aware of their business model: GET AS MUCH AS YOU CAN FROM THESE IGNORANT PEOPLE WHILE THE PICKING'S GOOD! My loss is your gain, as I have valuable advice: Never bank with Chase, do your research. You have the power of Google at your fingertips. What happened to me could happen to you.

I had made arrangements with an agent from Chase last summer when we were going out of the country to pay my payments ahead so I would not have to worry (this was before we had bill pay). I paid 4 times the payment to cover the two months we were gone. They charged me a late fee for both months anyways and now they say they do not make those arrangements. But I have the letter confirming those arrangements and the agent's name. Chase just responded back to me after I sent them proof saying that their records are correct and my bank is incorrect! This is balony. What recourse do I have? A law suit is what I am thinking of doing. I am also contacting Se. Chris Dodd to see if his office can help. They just can't get away with this kind of stuff. They cannot get away with just brushing people off. I have ALL their statements and all bank statements proving they are wrong!

In other words they can they have found a new way to gouge a customer.

On top of that when I went to the contact us screen they have no way to email them. They only give a phone # with a current wait time of 20 minutes.

I paid the amount requested a week and a half before the due date (1/6/08). On 1/3/08 I received a call from Chase stating that if I did not pay an additional $176.00 before 1/6/08 they would turn me into a collection agency! How can they do that when I paid the requested amount on my bill and paid it before it was even due? The csr replied and I quote, "Because you did a bad thing, and there are more charges on the card that posted after your statement." So, I promptly paid the $176.00. When I came home from work late Sunday evening (1/13/08) I saw a call on my caller id from Chase (9:30 pm). There was no message so I assumed it was a telemarketer. On 1/16/09 I received yet another call from Chase. The customer service representative stated that I was still over the credit limit due to $155.00 in finance charges and if it was not paid I would be turned into the collection agency. My husband and I have been excellant customers (accept for the one over the credit I spoke of), always have paid the bill early and up until the recent charge paid more than asked. We have dealt with many companies through the years and Chase is by far the worst, bordering on (in my opinion) criminal behavior. I told the csr that the bill would be paid when I received my statement and to please quit calling my home. The csr replied that they would call my home every 3-5 days until this was paid. When I asked if I was going to be turned in to collections she replied that she did not know. When I reminded her that that was what she stated at the beginning of the call, she replied, "Well, what do you think?" Very rude, disreputable company and my husband and I will pay this card off in full and never deal with them again. Chase is also the bank where we have our checking and savings and this will be pulled out and put in another bank.

I might be cold and hungry starting next month because the bank will have my entire check in its jaws. I can't pay the landlord, utilities, bills, or the moving violation to the city of Detroit next month. Social Security is no help either because they say I need a password to access my own account, something I didn't need before direct deposit.

They have never sent a bill or contacted us in any way. How can they do this?

Poor Customer service. Bait and Switch tatics. My time, money and history with the company was not even considered.

I called and after much discussion and being transferred from one dept. to another we were given the 3.99 back, had the late charge removed and were told that all interest charges would be prorated and all would be taken care of. Today I got the bill that would reflect these changes and was floored. They did remove the hefty interest charges, then charged them back plus interest. - an extra $120. There was also a charge for a convenience check that I nor my husband made.

I called and was told, "that was just how they did it". The rep said they put some of the charges on my account as a convenience check charge but would not tell me how or why that was a legitimate thing to do.

The direct economic consequences to me are very little. I'll probably pay double interest for three to five days. However, credit card companies/banks are making huge amounts of money when this happens to thousands of their customers annually. I'm sure all of those little charges add up to big dollars for them.

So as of today I have an 89 day late payment on my credit report. I asked them to look at my history and to think about why I would sacrifice my credit score over a $21 dollar balance (especially since I had just paid them over $6,000). They assured me they understood but because the email statements were not getting kicked back to them, and it was not a bank error, they would not remove the negative mark on my credit reports...my score is 735, or at least it was. Additionally they cancelled the card and never notified me of that either. When I mentioned to the supervisor that I would dispute it with the credit agencies, she responded by telling me that it would do no good because they would simply state the account was late. What a system we have to deal with this stuff.

One last gripe...I had a second card with them that had not been used since October 2006. Apparently a charge was made in October 2007 and that account is now 50 plus days late. Again no phone calls or emails telling me about the late payments. I called to dispute the charge but the system was down and I was told to call back later.

I called and asked for Chase to take away the fees because I was moving. All the other credit company waved the fess without even asking any further explanation.

The problem is -- they have enticed me to their program with slick and manipulative marketing of CHEAP RATES -- but put in FINE DETAIL the fact they would increase me to nearly 30% on a small infraction.

Than I get a statement with late charges and finance charges on the late charges. I wrote a letter to Chase to dispute the charges. I got a letter back saying they value my business and the charge was dropped.

The January statement arrived with a finance charge of $4.07. It was a charge on the late charge! I am going to pay it, but I am canceling any further business with Chase.

This statement says the new interest rate for me is 49.89%.

I have faithfully paid them on time for years. I have had excellent credit. I don't see how this can even be legal!

They have caused me aggravation beyond belief in a time when I lost my job. I have been losing sleep and having trouble with that because they call at all hours of the day. Their rudeness and unprofessionalism has caused me to have nightmares, and sometimes I am too scared to come home to a place where I am supposed to feel safe.

I might have to struggle every month now to pay my minimum.

When I finally paid this overdue amount off (unknowingly because, again, I didn't read my mail), they changed my due date--without telling me again. At this point, I was paying more than two-to-three times my standard monthly payment, but was paying late...because I was paying EARLY. They ran this scam of Your Due Date is at the End of the Month, but Your Close Date is Not Until Sometime in the first 10 Days of the Next Month. When I finally read my mail and complained, they recommended I not make monthly payments until at least the 15th of the month.

I'm still paying for a credit card I canceled nearly five years ago. I've had a number of 30 Days Late notices sent to credit reporting agencies. I've been charged for countless fraudulent fees.

Harassment, time, electricity costs to operate the paper shredder and fuel costs in transporting the shredded mail to the recycle center.

Today, I had to go through the whole thing all over again; this time, to tell Chase that I didn't want to pay for the late fees assessed on the $30 back balance. Chase personnel said they can't reverse these charges until the original $30 charge is dropped. And I can't get the $30 charge dropped through TWX because TWX doesn't recognize my card # given that my account is closed. In short, Chase won't take responsibility for this feedback loop and help me reverse the $30 charge their own reseller infers is invalid. Needless to say, this treatment has hardened my decision not to pay Chase anything, and galvanized my decision to write to you.

I don't want my credit adversely affected by my decision not to pay Chase the $48.00 on my closed account.

How is one expected to pay off debt, for when I make a $150 payment, all I get credited for is $20? Furthermore: When I first opened this account, I inquired about balance transfers, and had given them the details of the money I was thinking about transferring. After finding out (in the same phone call) about the fees this would entail, I asked that this transaction NOT go through. I even asked if I need to call back to make sure it was canceled, the customer service lady said no. Next month, I get a statement saying they had processed the transfer. When I called to say it was a mistake, they said there was nothing I could do. I had to transfer the money back to where it came from (paying double fees). This is outrageous! Can I sue them? IS this legal?

I have made payments of thousands of dollars, and somehow am still maxed out on this card! This has caused a major financial strain, damage to my credit score, and untold mental anguish and frustration. If I could afford to, I would have paid this off in one lump sum and closed this account long ago. This company is a FRAUD.

Due to the on-line bill not coming, we missed a payment and they immediately moved us from a 0% interest to 9.9% and charged us a late fee. When we called to discuss, they could care less. We have since canceled the card due to this bait and switch tactic.

The story is horrible and I could go on and on but this is the short version. They said it was not because I had not paid them or anything like that or even that my credit score was low--but because I had too many credit cards with high balances. They said they sent a letter in July telling me I could freeze my current interest rates, but I received no such letter. These people are scum. I ask all of you to contact this address: creditcards@hsgac.senate.gov and tell your story. The more stories they get the better. Chase claims they are working with people to try to fix this, and they are lying to the subcommittee that is in charge of investigating them. You can see what chase said at this web site address. http://www.cardratings.com/creditcardnews/2007/11/chase-will-no-longer-increase-rates.html A complaint may also be submitted to the Consumer Action hotline by telephone at: 415-777-9635 or through their online web complaint form at: http://www.consumeraction.org/hotline/complaint_form/ .

If you cannot do this speak to a manager, they are there but have been prepped to not allow anyone through, if you get someone who is adamant about not letting you speak to someone, call back and ask again. I got through; so can you. We lost a few hundred dollars and probably will lose a few more hundreds before we can get them the full amount. Our 5 children will get less this year for Christmas, but I know that our Lord and Savior protects those who believe in him. I believe so whole-heartedly that what goes around comes around. What Chase has done will come back to them. I almost feel sorry for Chase the Grinch. They are lost in the lies of money. May God help their lost souls and the people that work for them.

I had my card in various other forms for over 25 years and never missed a payment. One day, I was shopping on Amazon.com and saw an offer t0 save 10% by opening an account. I did the on-line request. What I didn't know was that Chase was behind the offer. When they discovered I had requested another card, they not only denied my request, but substantially lowered the available credit on both my existing accounts with no further explanation and raised my rate on one . I am in the process of having my transferred to another bank.

Chase did not notify me in any way of this situation, but instead has simply allowed finance charges and late fees to accumulate. If I had actually received the account statements from Chase that were supposed to have been sent, I would have paid them in full immediately, because that is the way I transact business. I have no interest in incurring unnecessary financial liabilities, nor in skipping out on any debts whatsoever. Anyone who thoroughly reviews my credit history will see that this is a fact, and will also see that the current situation with this Chase account is an exception. This exception was caused by some kind of error, breakdown or policy within Chase, and it needs to be thoroughly investigated. By this practice of theirs, they have now damaged my excellent credit rating, which I have been very careful and diligent in maintaining.

My credit report now has a negative item on it as a result of this. If I try to get financing for anything, I will not be able to get lower interest rates that I have earned by handling my debts appropriately. Also, Chase is trying to collect over $200.00 from me, and I have had to spend time and money of my own with research and correspondence to try to resolve this matter, and restore my good credit. I do not know what other consequences there are which have not become apparent yet.

It is not so much the $178 as the mental anguish and sense of injustice and vulnerability. I feel it is criminal to hide bills and spring charges on unsuspecting credit card holders.

When I called to complain about this I was told that the payment of $500.00 on November 19th cannot count toward my minimum due on December 10 because they applied that payment toward my balance. Apparently I paid it too early! I have since canceled my credit card with Chase Visa and have paid off the balance.

First I called to complain that I never received any notice (e-mail, statement) of any kind for this, and asked how could I possibly owe any more money if I had paid the balance in full weeks before the due date! The Chase rep could not give me a payoff balance when I asked, would not remove the charges, and mumbled something that I signed up for an electronic billing notification. I said that was ludicrous. In other words, he would not commit to telling me that I even owed just the $56. He told me to call right before the due date. Huh? That's exactly what I was trying to do. I have paid these extortionists the $56, but can bet they will come back with some other ridiculous charge. I will never ever do business with Chase again and demanded that the account be closed. It will be months before I can repair the damage done to my credit report. I have noticed many similar complaints. This should be a class-action lawsuit .

This payment has drained us mentally and has us barely making our bill payments each month. We are also afraid this will start happening with other credit cards; then we will be bankrupt.

Now I ask you, is this the kind of banking practice that the American Public should have to accept from those who have the ability to keep us in debt or force us to seek credit help or file for bankruptcy and lose everything we have tried to build over the years?

The economic damage will be felt by myself and those who accept the increased APR. The longer term damage will be that of a credit score which I have worked so hard to repair from my youth. No physical damage resulted but emotional damage and financial will undoubtedly result if this pratice continues by the banking industry. It will effect us all, even if we only use department store credit cards.

This change would in effect change my monthly mininimum payment by a factor of 3x.

31.49% speaks for itself.

I called them and asked why? They said my wife's payment was EARLY by one day before the closing date and was applied to the previous month. I said but my due date is the 28th so why is a payment on the 7th applied to the previous month? They said that's how their billing works. I asked if they were really going to raise my interest rates for paying early, and he said he spends all day answering calls just like mine. There's nothing I can do!

This scam has caused my monthly interest amount to jump from $75 to over $250. I am transferring all of my money from Chase, and I will never do business with any branch of Chase as long as I live!

An $80.00 purchase has cost me over 2 hundred dollars and my credit score has been lowered. I just bought a car and could not get the lower interest rate because of this. I think Chase should be investigated for unfair practices.

He was informed by someone, representing their self as a supervisor with authority to make decisions, that they could "re-age" the account. In May we received a call that we were more than a month late on our payment. The caller said no "re-age" showed on their records.

Since the re-age hadn't been granted, we had fallen behind and the late fee was $150 each month! So the month we thought we had been granted a reprieve, we were actually charged an additional $150 for being late.

In May, I was told I could get the "re-age" if I would pay $389 in past dues on the spot. So I did. The re-age was not granted again, but I was not informed so again we were late by their records and another $150 late fee was tacked on to the payment.

The past 6 months I have paid thousands of dollars to Chase and they say I am still behind and late. My husband and I are going to have to dip into his 401K to take a hardship loan out to get Chase off our backs.

I feel credit card companies are nothing more than modern day loan sharks.

I called customer service and was told they can do nothing. I have had this account nearly 2 years never been late in paying $82 a month average. Now my payment for Dec is $191, due to over limit fees and the much higher interest fees.

I told customer service there is no way I can pay such high payments. I was told, "oh, well". I got a response from Chase stating after review there was nothing they could do.