Chase Credit Cards Reviews

I have been trying to help an elderly and handicapped woman out, who was intimidated into signing and paying for unauthorized repair work done on her car. By the way her car now has a constant service needs done light on. Was anything even done? When asked for all old parts, nothing was available. Even a special project of FL Attorney General believes she should get all her money back. They are fighting for her also. Chase gives us conflicting stories on what is happening. They are even making it hard for me to file a formal complaint in regards to how they are handling this dispute. I binded 85 pages together with a binder comb myself. I even kept an exact copy of what was sent to them. Yet they said only got 75 pages???? What happened to the other pages? Do they not want the truth? Why won't they want an affidavit of what I saw, heard and said? I do not understand their thought processes. I have also filed a formal complaint in regards to chase visa with AARP since it is on the card. I received my money back without so much effort. Why won't chase listen to the FL Attorney Generals office? I need to know if anyone else out there has any suggestions on what we can do, please.

In 2011 my husband's business had fallen on hard times. Our balance on our only credit card Chase was up to $5k and we were having trouble making the payments at the 29.99% interest rate. I called customer service and they offered to close the card and give zero percent interest if I had a set monthly payment taken from our checking account. I agreed as we hadn't used it and were just trying to pay off the balance anyway. The plan was to last a year and for the next two years I called to renew the plan and was paying extra installments. The balance was down to $1500 dollars. I knew the year was getting close and I planned to pay off the balance in the next couple months. Then I missed calling to renew by a couple days but had made monthly payments on my own anyway but $18 short.

Chase Credit Card Company recently mailed a letter requiring me to send SS# and complete a W-9 form... I called and spoke with two representatives about the need for this information. I have been a card holder for 21 years. I understand that a new applicant needs to identify themselves for a new account, however they have all of this information and more ex: my bank account information for payments and they know exactly who I am. I explained that I do not feel comfortable with sending this information to them and if I choose not to respond what would happen? Short answer: We will close your account! It seems that Patricia O. Baker, the Senior Vice President, cares nothing about the customer and only about showing the company how important she is to the company.

Just like many of you, they cancelled my card. I found out when I logged in to check my balance. A note at the top said they cancelled my card. This was after a 150.00 payment I just made. I was late in my payment, but have been late a few times before (I've had the card for 10 plus years...when it was under Providian). Although I was late in the past, they had never cancelled it. I believe there should be some law that states that credit card companies should give you the option of closing your account before they do. It's funny because I had this card for over 10 plus years and not once have they ever increased my credit limit. I'm glad to be done with this company. I only wish they gave me notice that they were planning to cancel my account, so I would have had the opportunity to close it myself. Another note on credit cards--it seems like a standard practice these days with credit card companies to lower your limit without notification to where you are just below your credit limit. Then, they lower your limit so low, and finally close your account.

On 11/4/14 I paid my balance down by 4,733.00. I just recently learned I was paying 27.24% APR on purchase and cash advances. I called and said I am closing the account on 11/17 what do I owe? The lady told me 230.91 as long as it posted before the due date of 11/24. It posted 11/21 and I got an email saying the balance, please destroy all cards. But as per the Nov. statement I owed 23.12 on 999.19 purchases and 5.14 on 221.98 cash advance on 11/27 even though the card was closed and paid off. I was never told I would owe more. The amount was paid and a complaint was filed with consumerfinance.gov 12/3. Last I knew I was paying 22.99%, I was NEVER told it changed to that high.

After moving into an assisted living facility in July, I added a family member to my account to do shopping for me. After waiting to receive his card, a call was made to Chase who said card had been mailed...did not arrive...another call and finally a card arrived. 4 months went by, my card was nearing expiration date...another call...rep insisted cards had been mailed in October...wrong. I was informed that my son was not on my account even though he had been using it since July...they would not admit error, closed my account, changed account #, sent email to confirm and had name incorrect... I plan to CANCEL account and never want to have dealings with Chase again. I wish that Amazon would sever relations with Chase.

This is the only credit card we've had since ID theft in 2004. Chase was very good to us. In August I mistakenly wrote "twelve" instead of "twelve hundred" on a check. In Sept, I rec'd letter about missed payment. I called, we figured it out, I paid total account balance. I didn't receive Oct statement (paid balance). Rec'd a Nov statement due. Two weeks later, I rec'd another letter stating I didn't pay. I called again, detailed all. Was told an Oct statement was issued whether I received it or not. The service rep was rude and condescending. In 10 years I have had no problems, yet since last Spring small issues. Makes me wonder if Chase has a new credit collection service. This feels like a scam to increase the collection department's profits making them look better to corporate. Corporate should look at how many have left. I did.

On Jan 26, I was a victim of a bait and switch with Safecart.com. I bought one service but the salesperson convinced me I needed a more expensive one. When told my credit card was not reading correctly, I immediately cancelled verbally and with an email. When my next bill from Chase arrived, there were 3 charges for $249.95 and one credit for $249.95. I called Chase Dispute Services and the other 2 charges were removed. In May I was rebilled for one of the charges without being informed that Safecart had put in a dispute. I was told by Chase to submit my dispute in writing with copies of my email to Safecart and their refund info. I received a letter from Chase that Safecart did indeed owe me another credit but Chase could not credit me until they got the $249.95 from Safecart.

November 2014 we opened an Amazon Rewards Chase account. After a few days of us using it, our account was cancelled due to suspicious activity. We immediately called Chase customer service where we were then told that they were unable to access our account and that a member of the fraud team would be contacting us. A week has gone by and still no call. We then call back... 5 different times. Still no one knows what is going on in any department in their customer service center. No call back, no letter from Chase, nothing. We are left in the dark and they are explaining nothing to us and doing nothing for us or to help the situation.

Monday I got my Mileageplus club card delivered through UPS. Later that same day I went to best buy and bought 2 computers. At first the transaction was declined. I called Chase and the operator stayed on the phone until the transaction went through which it did. On the next day (Tuesday) I went back to best buy to buy some supplies for one of the computers I bought the other day. The cost of the supplies only came to $69.00, that transaction was declined. Then I went to the bank to try to get the money to get the stuff, that was also declined. Then I go online and find out that my account has been closed and is now under review. When I called, the operator said the thing that account is under review. I've only been a customer for just a couple of days now. I need some answers, because all I did was buy 2 laptops and the next day they close my account and put under review. Did I do something wrong by buying the computers?

I usually don't feel the need to blast a bad experience but Chase credit cards are awful! I have had a card with Chase for 8 years (all of which in good standings) and then they have made no efforts to improve my experience nor offer a better APR rate. When I asked for one I didn't just get dismissed but also told if I don't like it that I am welcome to go somewhere else. Thank you for the encouragement, I will. Has anyone else had poor customer service experience with Chase?

Interest rate added every month if you don't review carefully. Consumers need to be aware of extra interest fees added to their statement from Chase.

There was a charge on our credit card that was not authorized. Chase went against everything that they ever advertise about not having to pay for fraudulent charges and made us pay it. They said we would have to prove it even though, there was no signed receipt from me. So we asked to talk to the manager after long hours, grant the supervisor within the despots department was very rude and unhelpful. I would NEVER recommend Chase under ANY circumstance unless you want to get charged for invalid charges, then receive absolutely no help from them whatsoever. If you are looking for a good credit card I would recommend Discover. They actually handle their disputes properly and credit you back and treat you like a customer.

I have relatively strong credit, several credit cards, and Chase is the anomaly in terms of APR. I have one credit card with a 7.75% interest rate and one with a 13.24% rate, which I negotiated several years ago. I have been a Chase customer since 2005 and had a $0 balance in December--should have closed the account then while I was ahead.

Last week I tried to use one of my Chase credit cards to purchase a juice after my workout. The transaction was declined. I called Chase and I found out that all my credit cards were closed (1 business and 2 personal, adding 40k line of credit). Chase customer service transferred me to a department that they call specialty team. The representative at this department told me that my accounts were closed because they reviewed my CR and they didn't like what they saw. I checked all my 3 Credit reports and all looked great. I have approximately a 180k limit in revolving credit and a only 14% utilization. I don't have ANY derogatory, never missed any payment, always pay my credit cards in full and approximately 400k annual income. Chase action will negatively affect my credit report since my available revolving credit will be reduced and the accounts will have a note saying that they were closed by the lender.

Received letter from Cardmember Services stating that the Quicken travel rewards program from Chase is changing significantly. Been a customer since 1998. I have banked thousands of miles to use for future travel and NOW I find out they are worth much less. AND this takes place in two weeks. Just spent 90 minutes on the phone with customer service being transferred 5 times and each putting on hold forever. This is akin to having $ in the bank and the bank letting you know "Sorry you didn't spend your money yet and in two weeks it will be worth less money". This cannot be a legal practice. I need resolution.

Without notifying me, Chase/Slate lowered my credit limit by several thousand dollars to a limit less than $100 above my current debt. I only found this out when my card was denied. When I called Chase/Slate they said that they sent me a letter but it had been returned due to an incorrect address (I have been at this same address and been with Slate for 14 years). They state that there is nothing they can do and I will be penalized for going over my credit limit. Unbelievable!

Chase sent me a bunch for checks to cash or payoff balances. I used one, cashed it out in my bank account, and the check came back to my bank. I was horrified to see I was in the red for 6K!!! They are so deceptive. On the side of the check it said I had a 15k credit limit, or whichever is lower... Now I'm screwed. What am I going to do?

Very strange and very unprofessional people working. Don't know why my limit was decreased finally got hold of their credit manager, instead of explaining me she tried to be a police officer and try to question me where and why I used my other companies credit cards, "you stupid dumb ** it's my cards I will use as I please that is none of your concern. And who are you to question me about my other cards, if you really want to help the situation then ask me about chase card, not the other one which does not Belong to your company." She kept me on hold for 30 min and finally I got really mad and I decided to cancel my business account and my credit card from them. No wonder you guys have bad reputation in market. Hope you guys get your lesson one day.. GOD BLESS CHASE BANK....

I moved to a state without chase branch, so I plan to close my saving and checking account. I scheduled to transfer my balance to external account and close my account. Chase delay my transfer, resulting the closed account with a positive balance. I called them, they said they will mail me a cashier's check after 7 days. I never got the check. After a month, I called the customer service and talked to their manager. They told me it will take another 45 days to process this because I wasn't able to go to a branch. No one INFORMED ME that before, otherwise I'll have totally different plans on the money. THEY HOLD MY MONEY FOR TWO MONTH. Large amount. They do nothing to help me get MY money. Hope people be aware of these "big banks". Customer service is REALLY BAD.

They double charged me so they withdrew $1800 out of my account which made me overdraw. So then my bank charged me a fee. When I called to tell them they blamed it on me. Never apologized, never gave me the fee money back, never put the money back into my account but sent me a check for the 2nd withdrawal (apparently) which I still haven't received. I have used them for at least 8 years and they treated me like dirt so needless to say I canceled my card and would never recommend them. HORRIBLE customer service!

Chase lowered credit limit without notification. Just found out by looking at the current statement. They claimed a letter went out 7 days ago but never received it. Also on paperless statements. Didn't go over the new limit and all customer service wanted to do was rerun credit. This is credit score manipulation. This is a manipulation on credit utilization as well. Never late on payments for 14 years.

I have a Chase credit card and my wife has a card on the account with me. My wife has deployed with the ARNG and will be in Kuwait for about 11 months. Under the Servicemembers Civil Relief Act, deployed soldiers receive an interest rate reduction to 6% to help offset and ease deployment costs. Chase has decided that since she is not the primary account holder that the rate should not be reduced because she was not on the original application. I have had 3 other companies (Citi, American Express and Bank of America) reduce our rate... in fact 2 of the 3 reduced our rate to ZERO percent during her deployment. My wife does have a Chase credit card with her name on it and I guess that Chase needs the revenue. My wife is placing her/our life on hold and Chase bank could care less. To those companies that support the military me and the other retirees and veterans will support you when we have a choice. Chase you need to relook your community support or lack thereof.

I applied for a Freedom Chase credit card because they offered a zero balance transfer and I decided to use it to pay the balance off a Capital One credit card I had. I requested a balance transfer and the transaction was pending for several weeks so I decided to cancel it online and paid the balance of my Capital One credit card from my checking account. I received a confirmation number for the balance transfer cancellation from Chase but weeks later I noticed the transaction still went through and Chase charged me $43 for balance transfer fees plus sent money to my Capital One credit card that was already paid in full and had a zero balance.

In 2011, my husband suffered a serious accident and had to have emergency surgery. I called Chase, and informed them of loss in income and I had to close my home-based business to care for him. I was never told about of a forbearance nor offered any other solutions. I was told to keep making my monthly payments. I told them my husband work for one year and would be on disability for that time with a 66% decreased income. I sent a dispute before they sold the acct.

In the last 3 months, I was given a Chase Freedom Card. My husband didn't think we needed it so I called to cancel it on 8/19/2014. Approximately 20 minutes later, I changed my mind & called to get it reinstated. I was told I could not do this because I had an account that was over 180 days late. I said there was no way that was possible and asked to speak to manager. He said this was because we had claimed bankruptcy in 2001 & therefore they could not reinstate. I asked them why they gave me one in the first place and of course they were unable to answer this. I have a balance of $2.87 on this card which I paid immediately. They said they would have to run a detailed credit report before they could reinstate the Rewards card. Again if I am such a horrible credit risk, which I am not, why did I get it in the first place? Again no answer that made sense.

After 31 years with chase bank I got a letter telling me they were going to send me a new freedom card. I didn't know why because my card didn't expire until 2016. I got the new card only to realize that it was a VISA card. I already had a Chase VISA since 1983. I wanted the MASTERCARD I had, not another VISA. I called CUSTOMER SERVICE and asked why I didn't get a new MASTERCARD. I was told CHASE wanted to do more business with VISA, NOT mastercard. I canceled the old visa card over the phone and called the number on the new VISA card to activate it. Later on the same day I went to a WALMART store and purchased $56.00 of products. Guess what! The card would not work at the checkout. After 20 minutes of trying everything the cashier knew to try I paid cash.

I contacted Chase regarding a CLI on my Slate card. During the process, the representative advised me that a hard pull would be done on my credit report. After a few minutes, she advised me that it had been denied. I was in shock because my credit report is clean and my utilization is below 25% and all other things are great. Within the recent weeks, I have received tons of pre-approval offers from Chase for the Sapphire Preferred and Hyatt cards and still receiving them weekly. The icebreaker is when I received two inquiry alerts from my credit monitoring product regarding recent activity. Both had been from Chase as suspected, I was only expecting 1.

Fighting Chase because my family and I stayed in a hotel in London in April for only one night but the hotel is trying to charge us for two nights, and Chase took their side in the dispute. The hotel was disgusting, so we fled after one night. Chase isn't championing me, the cardholder, and that is very upsetting.

Just got off the phone with Chase... I cannot believe this... I have a dispute with a merchant and Chase is totally siding with the merchant.... TOTAL ** CHASE. YOU HAVE LOST ME AS A CUSTOMER FOR SURE.

Charged several hotels and when I received the credit card statement they had added a purchase fee. I always pay my account in full and never carry a balance. Attempts to contact failed so with my check I told them to cancel the card.

I got a letter saying that Chase is changing my MasterCard to a Visa. They never got my permission to do this. When I called, Pam ** told me it was already done and there was nothing I could do about it. When I was transferred to Johnny **, he said that it had not happened. When I spoke to Stefan **, he did absolutely nothing to assist me in getting the telephone number for the legal department at Chase. The entire conversation was filled with lies and no one addressed the really big problems with what Chase is summarily doing. They are summarily replacing their MasterCards with Visa cards and thus changing not only the card type but also the account number.

Chase changed my master card into visa without any prior notice. When I received the bill, I couldn't find the account number in the Bill pay section of Bank of American checking account. After couple of days, I received the new card with account number that matches the chase bill, I paid in full but it was one day late due to their change of account confusion. I called the customer care agent and explain about the confusion but she never removed the charges; instead, she was rude. I was with Chase for long time, but I cancelled all my chase accounts today because of rude customer care agent. I will never open an account with chase again.

This is in praise of Chase Sapphire (Visa) employee, Kirrill. He was very helpful & understanding of my predicament regarding my credit card being hacked. He is an asset to your company.

I've had an Amazon Rewards Card through Chase for a few years; the points have really helped save money on Amazon purchases ... or so I thought. When I received statements in the mail, they very clearly said Amount Due and I paid it off every month. Now since I've gone Paperless, there is a Balance Due amount which is posted 3 days after I paid the last bill. Then there is a Purchases Amount. Nowhere can I find a simple You Owe This Amount. I'd been paying for the Purchases since going paperless. Because I hadn't been adding those 2 numbers and paying it all, I've been charged over $50 so far this year (June 2014). And there go all my rewards points.

This is a complaint about transparency. We applied for a Chase Sapphire Credit Card for the 40,000 points / $3,000 spent in three months offer in March 2014. The website offered 1:1 transfer points to participating travel partners. I read the Chase Sapphire home page and Offer Details pages and found no mention of partners; there was no mention anywhere on the Chase Sapphire promotional website... no list or links. I assumed American participated - they are an international carrier. Imagine my surprise when I called today to transfer my Chase points to my American AAdvantage account. I was told no. It could not be done.

Southwest Airlines Chase Credit Card Services. Customer Service is not helpful. They lure new customers in and unlike other credit card companies, they are not willing to forgive a small customer error on a one-time basis. When a bill got paid off immediately, there were still interest charges which go on and on. I would never recommend using their credit card. There are much nicer companies to work with out there.

I just paid off $13k in credit card bills last week... Got a new statement... Owe $200 and some change in interest. They won't budge on taking ANY off the bill. 29% interest. Had only 2 times I slipped up and paid late. Mind you, it was only a day or two late and they used their leverage and smacked me with this criminal rate... Someone needs to start a lobby group and go to Washington and get these crooks put in their place!!!

First let me say I missed somewhere in all the agreement information that I would be charged for transfer to the credit card. First screw up, second I missed their annual fee charge. Must had been blinded by the too good to be true advertising on Southwest Airlines website. I immediately called Chase to cancel the card once I saw my first statement, and requested the annual fee and transfer charges be removed as I had immediately reversed the transfer amount back to the original card. Chase removed the annual fee but insisted on me paying the transfer fee. The next bill that I got was for $116.35. What they have done is to conveniently hold back $1484.24 to from my original transfer of $6049.14 back to my original credit card so that they could hit me for another $17.35 in interest charges. I guess that I have forgotten what true crooks Chase is. I had my personal accounts with them years ago, until I discovered that they were adding charges to my accounts without my knowledge. I personally went to the bank, called them crooks to their faces and closed the accounts. I see nothing has changed and someone from the banking commission needs to investigate their business practices......again.

After being a customer with Chase for 18+ years, always paying the balance in full, they decided yesterday, 3/13/14 to cancel both of my wife's cards while traveling! She was not able to even buy a meal at the airport for a flight she was taking. No notice, no warning, just cancelled! Not on one card, but both! They claimed they needed verification of her SS# on the accounts even though she has had them for so long. Think they have allowed the IT geeks to run their business which will cost them loyal customers. We have excellent FICO scores, never had a late payment, and never even had interest payments. She also found some fraud on one card, notified Chase, and they sent her a new card. So even trying to protect them, they still cancelled her, in the middle of a business trip!

There was an offer where a credit card was to be provided by CHASE bank if opened as a new account with the offer of 50000 points on sign up and 50000 points on spending 2000$ in 3 months with British airways. In the application, there was a column which had to be filled with the British airways membership number (if I already have it) so that the points can be credited to that account. As I already had a British airways account with me created around one year before applying for the card, I entered that number in the application. My first bank statement clearly showed a 50000 credit on my British airways account. I made over 2000$ expense and also paid the 95$ yearly maintenance fee in the 1st month... After few months on wanting to buy a flight ticket, I saw that there is no points added to my British airways account!! !

I canceled my Chase United Plus Mileage credit card today. I have been an account holder for a couple of years. I found out on my March statement (for Feb charges) that they charged me $31.84 interest for a late payment in January. (not sure why this wasn't done on my Feb statement) I called them and escalated to a supervisor Jen ** who stated that they no longer can make adjustments for interest on people's accounts. In my case as in the other case I read about on this site, I electronically transfer funds from my bank account, and it showed that the amount was debited from my bank account on the correct date that the payment was due. I scheduled this payment on a Friday, it showed that it was debited from my account on a Tuesday, and Chase is stating it came in on Wed. Chase stated it came in a day late.

Describe what happened so we can understand the issue... Chase Bank USA N.A I believe is discriminating against me for credit cards and FICO scores ever since I filed a complaint against them Your submission, (Case number: **). On 2/14/2014 they said when they approved me for the Chase Freedom Card my FICO score was 680 from Experian. I have 6 FICO score that show otherwise. Then on my Chase Slate credit card, my credit limit was changed by phone to $4,000.00 instead of $1,300.00 and I made a purchase on 2/20/2014 and posted on 2/21/2014 for $1.05. They said payment was due on 2/23/2013 when I have pictures showing my closing date is 2/26/2014 so I made my payment on the 24th which was not suppose to be due until next month. But shows a late payment.

I made the mistake of being drawn in by the transfer balance. I have since paid off my balance and do not wish to give them any more of my business. When making an electronic payment, it takes them 5-7 days to process this payment. During this time if you set the payment to execute on the due date, they assess a late fee because the payment has not gone through on the electronic side. This is the only card that does this. Needless to say they accrue most of their money from those dishonest and ill-gotten methods. In actuality the due date is not the real due date. It is 5-7 days before the due date. If this review saves one person from making the same mistake it was worth it.

I pay online, on time every month, and pay over the minimum amount. I do not use this card because a charge or a cash advance both have 26.49% interest rate. I haven't used this card in years and the balance doesn't go down very much due to the interest rate. I have called many times and I get the standard response - your account has been recently reviewed and cannot be lowered at this time. I am a senior citizen and want very much to end this association with Chase. My balance is a little over $3,000 and it is going to take at least 3 more years to pay off as most of my payment is interest. They do not work with individuals personally - they read off a script.

I have been Chase credit card many years. I had trip overseas to Asian on Jan, 2014. I had some reason arrive to US early and I talked to agent ticket airline on the phone to get return ticket to US. Then I checked the account. They cost me $1,435.00. That was different what I received email confirm of ticket. I talked to customer service specialist. They will disputed amount different.

I have been a loyal Chase customer for many years, ever since they bought out Washington Mutual Bank and acquired my accounts there. I have been very happy with them until recently, so much so that I cancelled accounts at other banks and transferred much of my business to Chase. Just before Christmas, I took some items back to Home Depot and then did some other shopping at the same store. When I went to pay I did not have my Chase Credit card although I had just used it to return items moments earlier. I hurried back to the Returns desk. They said they did not have my card so I did what I thought was the responsible thing and hurried to the nearest Chase Bank and reported the card missing. I really thought that it was at the Returns desk but did not want to take the chance that a pick-pocket might have it.

I have been a customer of theirs for over 10 years. I have never paid late or and always pay in full. There have been a few occasions over these 10+ years when my payment either did not reach Chase or it did reach them and the payment was lost and therefore not applied. In every circumstance, I immediately made full prompt payment when I was notified and I requested that the late fee and interest charge be waived. After much time and effort, I was usually successful in having the fees waived but recently this was not the case. I informed them that I would be cancelling the card and they really could care less. They do not understand customer service and they do not understand how to keep a valuable customer. I have now moved onto Capital One where they actually care about their customers.

I called Chase VISA because I received a letter asking if I received my replacement card and I couldn't answer the Authentication questions. I NEVER ordered a REPLACEMENT card but I did order a card for my wife and called to clarify that is what the letter was for when I was asked a series of questions that don't apply to me. I was told Chase uses PUBLIC records for authorization. The questions applied to my ex-wife, has lived on her own the last 10 years. I don't consider using web information a good security practice and I called Chase up and canceled my cards. My card was closed and the mileage ~12000 United miles I should have been given for that month has been forfeited.

Pick a card, any card - seems Chase has the account. Be it Marriott, Priority Club/IHG, or United Airlines - Chase has them all. I have experienced continued problems - as I have had each of the 3 named above. I have written the State's Attorney General where Chase is located, have contacted the Federal Reserve, and have seen some satisfaction. However, after today... I will be doing so again. Seems they are trying to shaft me on the spend 1,000 USD within the 3-month period of eligibility and get 30,000 United miles.

My wife took a cab from Hillsboro to Portland Oregon airport in August. My Southwest Visa (Chase Bank) credit card was charged $551.76! I contacted Chase and filed a formal objection to the charge. I did not have a receipt. Chase obtained a signature from the merchant which was not for either my or my wife's initials. It was either fraudulent or for someone else. The merchant also claimed to have contacted us (false) and asserted that we had called a cab and then not used it (false) and thus were liable for the charges.

I have been a Chase customer for more years that I would like to admit. Recently, I contacted Chase in attempt to have Chase Slate card APR rate lowered from 30%. What prompted my call was the fact that Chase is advertising an 18 months 0% APR rate for new customers. Thought that since they were making this offer to new customers, they might lower APR for existing ones. Boy was I wrong, was informed that the current 30% APR is the lowest rate they offer for existing customers. Absolutely no room for compromise. Think those people transferring funds to Chase Slate card should be warned that once the 18 months are up they are going to be slammed with a 30% APR.

I received from Chase Bank letter for credit line but I have to pay some fee $47 to get approve. We send the money order but don't received card. I called the company after one month. They told me the company not responsible for loss. Do not send the money, it's all hype.

I was on my way home from Las Vegas and a lady stopped me. She said if I got a new Southwest Visa I would receive 2 round trip flights from Southwest. The annual fee is 99.00 but you get that back with 6000 points on your anniversary. I figured that sounds great as I go to Las Vegas every April. The only stipulation was you had to charge $2000 in the first 3 months which was no problem as I needed a liner for my pool. So I got the card. Fast forward to the end of the summer September actually, and I start to look at flights but they aren't listed. So I call Southwest and she tells me October 14th they list for April 2014. I wait. Then go to look at the flights and look at the rapid reward points to see Chase had only given me half of what they promised.

I have two balance travel promotions: One $706.02 at the moment, which expires on January 2014, with a 0% APR (I cannot remember what was the initial amount). One for $904.81 at the moment, which expires on January 2015, with a 1.99% APR (it began with $1500.00 on January 2013). I have been paying an average of $300.00 a month and realized, around August, 2013, that Chase was only crediting the 2015 promotion with the bulk of my payment and crediting about $25.00 a month to my 2014 promotion. I called them around September and the lady in question told me that by law they had to pay the higher promotion first.

Had 2 Chase cards for several years and have been a loyal customer to them for 20 years. Unfortunately, I discovered they decided to close my credit card accounts without notice leaving me with no credit cards for emergency use. We have always paid our accounts on time and try to pay them down... This was not good business practice as far as I am concerned.

Several years ago, Chase bank raised my credit card rate to over 28% (when banks went under). I have tried numerous times to have my rate lowered so that I could sooner pay them off. I have not been late and pay way above the minimum payment. I recently contacted them again and the customer service rep (Maria) said that the rate was at the minimum rate. Chase will only give me generalized answers and refuses to help me.

I have had two Chase Credit Cards for almost 25 years. They had credit lines of $23,800 and $20,500 respectively. I have never been late and always maintained credit score of at least 776. Well, I open my mail box today and there are two letters saying my Experian credit report has reported high ratios. I had plenty of available credit in fact I owe less now than I did last year. Now, all of a sudden they say just do periodic reviews and I am a risk. Well, I was not a risk until they lowered my lines to just have $1,000 remaining. It appears risky now where there really is none.

CHASE is a joke! They actively practice deceptive business practices. If you call them about a rewards program (spend $1,000 in the first 3 months and get 50,000 Marriott reward points) they will tell you the points will post soon. Call again and they will tell you the same. Wait a couple of months and they will tell you the points will post w/in 5 business days. Then they will deny they ever told you this, and refuse to post the points. After you met the spending requirements. This is a terrible company. RUN to another (Discover, USAA, American Express). ANYBODY BUT CHASE!!

Thought I'd suggest using the TX unclaimed property process for the gentleman who said he had money sitting out on a closed account.

I have $$ sitting out there from an old Bank One credit card account, only to learn 15 years later that the Bank One was bought out by JPMorgan Chase, but they cannot find my account. Not fair!!! Any help out there anybody??!

I reported unknown charges on my CC so the fraud department temporarily removed the charges, closed that account, opened up another account, and did an investigation. They called the merchant who told them that the charges were accurate (DUH, they will tell them that), put the charges back on my CC, told me that I told the investigator that I knew the merchant, sent the charges to the dispute department, and NEVER told me. I saw the charges on my CC statement and called them. I was told that I was now out of the time-frame to dispute a few of the charges. The WORST PART IS THAT THEY THEN LET THE MERCHANT I REPORTED FOR FRAUD CHARGE MY NEW CC ACCOUNT.

I ended up paying $385 on a $216 purchase I made 11 months ago because I lived abroad and was unable to log in to make one payment online in January and therefore their system did not allow me to pay online after that point. I could have paid via telephone but I was abroad with no card (It took them four months to mail my card). I returned to the United States in July and received the card in my pile of mail and a $385 bill. I also have checked and I received a negative report on my credit score. I spent three hours on the phone trying to resolve this and I still ended up paying multiple late fees and nothing was done for my credit score problem. In short, I paid $169 in 1-year interest on a $216 purchase and receive a negative impact on my credit score. Thanks, Chase!

Spoke with CARLOS from Chase's Dispute Department. For working on the front line with customers, his tone was unhelpful, unfriendly, and he sounded like he really didn't want to be there. I called to dispute an unauthorized transaction on my account and he said that there was nothing that Chase can do about it even though I verified with the merchant that this was an unauthorized transaction. He said if I had docs to support my case then there may be a way, but that's the thing, I DIDN'T AUTHORIZE the transaction so I do not have confirmation or invoice docs. He never apologized about the situation and his tone was DEAD the whole time. I have been a cardholder with Chase for 8 years and have never had to file a dispute. This first time was frustrating and unhelpful and makes me question my experience with them.

I have read the complaints and feel that there is more that CHASE can/could do if they wanted, but they choose not to. With that being said, customer service is out the window with a majority of these companies. Everyone goes along with their busy lives until an issue can't be resolved professionally. We as people need to really pay attention to what is going on and get the right people involved to help clear up issues in a timely manner.

Explaining the rules to someone who obviously disagrees with the rules is not attempting to provide “superior customer service”. It’s attempting to be condescending to a client. This answer is a pitiful excuse and a continuation of the poor customer service that I was complaining about. I will send it up the ladder and post it everywhere possible in the hopes that someone with Chase really does understand what "customer service" looks like.

I've had my credit card with Chase, and now my home loan. I called in to get a pay-off balance with the understanding that my full payment would not be received by my bill due date. I made the $226.00, which I've never been late, not once. Got the balance of almost $8,000.00, and called in to confirm my letter if it was paid in full. I was told I'd be receiving a credit back off the $226.00, as my pay-off arrived earlier than anticipated. They lied; they kept $140.08, did send the letter I requested, and would not budge.

Yep, I did carry a high balance on one of my Chase cards for about a year. I used my hard earned savings to reduce my balance from $5,000 to $2,000 to reduce my utilization ratio. One month after making that $3,000 payment, Chase reduced my credit line by $2,700. Now I'm back to an even worse utilization ratio. Should have kept my savings!!!

I have been a loyal Chase customer for more than 25 years. I have a personal checking account and a personal credit card with Chase. I have a relatively high limit on my credit card, but only use a percentage of the available credit. I have never once been late nor have I ever missed a payment. As a matter of fact, I always make much larger than minimum payments. I have excellent credit (in the high 700's), with no negative marks on my report.

Terrible customer service!!! They just don't care to help at all. I have held a Chase card for years and have been on automatic payments. Well, someone hijacked my card and tried to make some charges. So they canceled my card and issued a new one. Great, but here is where the trouble begins. My automatic payments were being rejected by Chase because of the new card. I had no idea that they were not accepting my payments until my card stopped working. I called Chase and found out what had happened, so I paid the balance in full the same day over the phone. I found out that they put a 30-day late on my credit score.

I got my Chase credit card after filling application with them that promised 50,000 reward points with Southwest airlines. All I had to do is charge $2,000 on this card in two months and get 50,000 reward points. I charged over $5,000 in 2 months and paid it in full but they closed my account for no reason and kept 50,000 points. They suck and I really hate Chase now!

Chase changed my credit card terms also, completely ignoring the promotional rate and terms which had been guaranteed. Then the phone calls started. I also have a home equity line of credit with them. Based on the fact that I couldn't afford my newly inflated credit card payment, they cut off the HELOC. Then they started calling about that as well, saying it was late when it wasn't. I had excellent credit before Chase Bank started their highly suspect banking activities. They had a huge bailout. They borrow from the feds at .075% and charge us 20 times that or more. Plus, don't forget all their abundant fees. In my opinion, this is not a good bank at all. Something smells bad about their practices.

I am trying very hard to pay my credit cards off. All of my other credit cards allow for at least three kinds of automatic payments at the web site: 1) minimum due, 2) full balance, and 3) an amount that I determine (more than the minimum, a set amount, or the minimum plus a set amount). The problem with the Chase website is that they only allow the first two options. You get the choice of paying the card off (over about 28 years!) by paying just the minimum due or you have to pay the whole balance. They do not offer the option of paying the card off by paying more than the minimum but less than the full balance. If you want to set something like that up, you have to call them. It is ridiculous! And it seems like a crappy way to treat your clients.

I have been a longtime Chase credit card holder. In August 2009, I was late with a payment by a few days. The next month, I got my credit card statement and my rate went all the way to 29.99%. I called the 1-800 number to discuss this issue. I was told it was a penalty and that my account would be reviewed in six months. It had been almost four years now and my credit scores range from 732-765. I have called Chase numerous times and keep getting the same reply. I am amazed that they are writing millions of dollars off in home debit, but can't seem to find away to lower my rate. I am disgusted with this company, and I feel I have been raped long enough.

On their website, Chase has only two choices for automatic credit card payment: pay the minimum or pay the full amount. Why no option to pay more than the minimum but less than the full amount? Sneaky way to make sure that their customers pay a lot of interest by making it hard to pay down the card in a reasonable way!

First let me suggest and recommend that every one of you with a legitimate grievance with Chase immediately file a complaint with the Better Business Bureau. Despite their well-documented abuses, they have managed to skate along with an A rating. I believe the BBB is in cahoots with them in some fashion, but they cannot ignore a massive outpouring of valid grievances. It's easy to do. Now as to my story, a payment I made to Chase was not delivered on time. I called and the representative treated me like garbage, telling me I need to pay my bills on time and started berating me. I said, "Thanks for the great advice." What's worse is that it was the military services line as I am on active duty in the US military. Chase is terrible and does not respect the military. They only care about profiting from service members and the armed forces. Scoundrels.

I received an offer to get 45,000 points if I upgrade to the Chase Sapphire Preferred, which I did. After four months, I only got 12,500 points. I called them, and they provided a runaround. “Please give us the offer number,” they said. Since I didn’t keep the offer number, they refuse to give me the points. She said, “Yes, I do have the promo on your account, but I need you to verify that.” If it is on my account, why do you still need to verify it? They have very poor customer service.

I applied on March 7th for a Chase Credit card. On the next day, I had three inquiries on my credit report - two from First USA (Chase) on Experian and one from Chase on the same day on Equifax. I, of course, contacted my credit reporting agency who said to contact Chase. Chase takes no responsibility and tells me to dispute it. Now I have to spend money, time and energy on disputing these and waiting months for them to be removed where if Chase cared at all, they would fix their mistake. They don't care. The two "customer service" attendants I spoke with were rude and made it clear they had no fault, so I guess it’s a Chase fairy that keeps pulling my credit report?

My Chase credit card went to a charge-off status about a year ago, and within 2 months, I started a payment plan directly with them for $88/month. They hold the debt so if it was a charge-off, another company would be collecting the debt. This needs to be corrected. They continue to show a past due balance, but with a charge-off, the account should read $0. It cannot be reported as both. They have already taken their tax deduction with the write-off. So, are they showing the income that they have made from me for the past year? If they want to show a past due, then the account should be a collections account. It appears that they are reporting this in a manner that suits them best, possibly for tax purposes, but in turn it is not accurate. Equifax and the other credit agencies will not research the item. They kick it back to Chase, and Chase decides if they are right or not. Where is the justice in that?

I was a victim of fraud on a credit card account. After a year of battling with Chase and many filings with identity theft, fraud alerts and complaints filed with BBB, Chase removed the debt from my credit. However, in January, I received a 1099c form for filing my taxes for the fraudulent amount of $6,500.00. This made me pay a whopping $2,500.00 in taxes for this account, which was not mine! Chase is claiming that I knew about the account and therefore they left me liable for the taxed amount. This is very unfair and unjust. Please help!

I will never deal with Chase bank again for as long as I am on this earth, and I will pass it along to every person I come in contact with for the rest of my life. I had a Future Shop card which was shut down by Chase. I never missed a payment. After the card was shut down, I was called every day, 5 times a day, for the past 6 months telling me I am late on payments. When I contact them, they say there is a payment coming up in a couple of days - to me, that is not late! Even after calling to straighten this out, they called me the next day at 9:00 am and Priscilla ** (manager) told me that I was $5 short on one of my payments 3 months ago - which I knew nothing about. She then told me the only way to catch up is to pay three $110 payments. This bank is ridiculous and I will make sure that everyone knows this!

I sent my payment on a week before its due date but because of the holiday season. They received it a day late. I was charged the late fee! I was told before that they gave at least 1-2 days grace period after its due date since it was mailed. Then last month, they received my payment 1 day after the due date and was charged a late fee of $35. Ridiculous! So I called and the customer rep did not know how to explain the late charge. I asked to speak with the supervisor and they transferred my call. I explained to the supervisor what I was told by the customer rep about the grace period and she kept denying the grace period. I then asked her to explain to me why her employee told me I had a grace period and she kept denying that they said that. We kept arguing because she couldn't explain to me why her employee told me I had a grace period.

If my credit card payment is even a day late, the fee for paying the card late is $35.00! My minimum payment is $40.00 so you can imagine how angry I am about having to pay double my minimum payment when my credit card payment is late. Bear in mind also that I am a good customer; if I pay late it's only a couple of days late or a week at most and it's only happened a couple of times. Way to go Chase, I hope you enjoy raping me on the late fees because as soon as my card is paid off, it will be canceled and if I get a new card, under no circumstance will it be with Chase. It's also obvious that Chase doesn't want to support American workers because every time I talk to a customer service rep, they are foreign. I find it very hypocritical that Chase wants consumers to think they are all about putting veterans back to work but outsource their labor at every opportunity.

All of my accounts were closed due to undisclosed reasons. I have heard of it and decided to go in peace. I have been a loyal customer and have paid everything in full and on time for several years. They sent me a notice that my accounts will be terminated in two weeks and I accepted it (not because I did something wrong but because I have heard of people getting accounts closed and they had no idea why). But what they did is also close my credit cards without warning! I was left without credit cards and lost all my hard-earned points ($1,000 worth). When I called, they said they can close it without warning. Their analyst decided that my business was not good for them, which I will accept without a fight, but to just close cards without warning is unbelievable! I have automatic payments to my child's daycare and many other places. Chase policies are almost inhumane and I am very upset!

I have a Chase student loan and have been paying since graduation three years ago. I currently have a financial difficulty and have to support my family. I have requested to defer the loan for three months until I get my income tax and start repaying them. They refuse to grant the very short-term deferment making it impossible for me to survive. I am very disappointed and will never recommend them for any loan. They have no compassion for the struggle customers go through. I am left with a few hundred dollars a month for my family to survive on.

I have been a customer with Chase for years and have been on time with my payments for years. All in all, I am a great customer. I recently made a large payment though a few days late and requested customer service to waive my late fee. They refused because back in April they waived a late fee. Are you kidding? After all the customers that don't pay? All I am asking for is a fee reversal. Then, I spoke with a supervisor and she thought she was some type of high and mighty individual. If you are a loyal customer and pay your bill on a regular basis, companies should make special arrangements for their customers. But not Chase! I say forget them and find another company.

I send extra money to Chase Future Shop each month so the balance will be paid off early. However, Chase seems to feel that the extra money will be held as a credit until such time as the balance and the debit become equal, and then the balance would be considered paid out. Chase informed me that this is the way they have to do this as the contract is for "equal payments" and they cannot falter from this. The contract does state that there are equal payments; however, I understand this is the minimum payment. I do not recall anything in the contract saying I could not pay more and have it applied to my account.

I am very disappointed in the customer service that I received after speaking to four different customer service support individuals from Chase credit card services. No compassion towards my situation. I received a call saying that my account is past due for 37 days, after I have not had one single call. I was unaware of my account situation because I was certain my account was on auto pay. In the past, my situation has been where I like to make two minimum payments on my account so that it helps my balance. I explained this to every rep I spoke with. They kept referring to me by my name and saying, "Your account is not on auto pay." I kept saying, "I understand you see that, but it should be. I set it up."

I have been searching for gas on Long Island for hours tonight and after waiting in line for two hours, after finally finding a gas station that received a delivery, I was told my debit card was declined. So I had to leave after waiting for two hours, as I cannot carry cash out here because people are getting held at gunpoint and there is looting everywhere out here. I called Chase and they said they are updating their system for at least eight hours and I cannot access my money because of this. I am a surgeon with over five patients waiting for hours in the emergency room and I cannot get there until I get gas. I have notified the emergency room that they will have to wait another eight hours as I cannot purchase gas until Chase updates their system in eight hours, and if they can get another surgeon to please go ahead.

I was paying $73 minimum payment and my balance was $3,500, interest charge $34.88 on 2011, and my APR was 12%. Well, I have been charged a late fee even though my payments were on time. They reversed it and credited my account. But my account is $2,000. The minimum payment is $89.00, but every month I make $150.00; never late and my APR is 29.99%. In black in white it says if you make the minimum payment each period, your maximum penalty APR will be 29.99%. I’m not late and sending more help.

I am on a fixed income and try very hard to not use my credit card but once in a while, it is necessary. Chase has been increasing my interest, even though I barely use the card. They reduced my available credit for no reason. They reduced my cash advance to $129.00. $129.00? I can't help but feel that this is harassment designed to try to get me to cancel my card and/or gouge me as much as possible to find some way to make more money off an account that isn't generating much activity or carrying any revolving debt. They are just greedy soulless **.

On 9/03/2012, I contacted Chase to do a transfer to my CareCredit GE Retail Bank. The representative I spoke to hardly spoke English so I called back on 9/4/2012 and went over the transfer information with another representative. The second representative said the transfer was going through correctly to HSBC Visa. I told her I didn't have an HSBC Visa account and then she told me HSBC is the mother company for GE Retail Bank CareCredit.

I have been trying to resolve a problem with Chase for years. I contacted them to pay off over $15,000 and at the same time close my account out. Chase Customer Service representative reviewed my account, gave me a payoff balance and I paid it. However, months later, I received another bill from them charging me late fees and service fees due to the account still being open. This was the start of a long battle with them to remove these charges. They have promised me several times they would do so. I have contacted them on a number of occasions and the communication was very poor each time. Each contact made to them constituted me speaking with someone from a foreign country that spoke broken English and became increasingly ruder. Whenever I would ask to speak to their managers, they would pass the call to everyone except for management.

My husband (military member) and I got scammed out of $30,000 plus from a false business entity entitled DF Transportation. They pretended to offer me a real job with real training and testing, which was very elaborate, planned out, and detailed. During this training, this alleged entity asked me during the training if I wanted some part-time extra credit work, buying and shipping computers to one of their new offices. I had no issue buying these computers on my own credit card so long as I was being reimbursed prior to the shipment of the merchandise. They provided me with their alleged bank account and routing numbers to pay off the computers I was buying with my Chase credit card.

I have had a Chase credit card account (5 personal and 2 business lines) for over 20 years with a combined credit of over $100K. On my Chase Slate credit card personal account, with a limit of just over $73K, I was offered online a 0% balance transfer offer with a 1% transfer fee. Sounds great, right? Well, when I called to do the transfer (in this case, into my checking account to pay other lines of credit as I have done over the past 8+ years), I was informed that I only had access to $5K for this purpose. What? The online information says $73K was available for transfer! The customer service person continued with this is the new policy for Chase since Oct. 1. It's Oct. 2. At this point, I can safely say Chase sucks. I have worked hard on getting my credit scores perfect over the past 25 years and this is the thanks I get for being the responsible adult in the room. Thanks for nothing. At this point, I'm angry, disappointed and any other negative adjective you want to substitute with Chase. Oh not that this actually matters to anyone else, but being a doctor for 25 years doesn't matter to them either.

I'm seriously ready to have a nervous breakdown in dealing with this company. I would just love it if everyone in the world canceled this company's credit card. Let's start from the beginning. On July 20, 2012, I applied for a mortgage to purchase a new home to provide a better environment for my 2-year old daughter. When I went to sign for the mortgage loan, I got a copy of my credit report. I noticed a credit card on the report, which was not the one I have used for years. The report showed the card had not been used since 2007, then all of a sudden the card was maxed out within a week in July of this year. Upon returning home, I promptly contacted Chase by the contact information provided on the credit report. It just so happened that my ex-husband and I had a credit card in which I was listed as the secondary.

Open payments late when sent using US mail, then report them - Payments were sent in a timely manner, but we're hit with late fees because they just sat there unopened. Many times it's just one or two days late or they never cashed the checks in a timely manner. Late, late, late. Some reported as 30 days late after years of making other CC payments on time.

I have had my Chase account for 15 to 20 years. Once I had an over the limit transaction in 7/2012. I made a huge payment in July of 2012, but the bank raised my interest to 29.99%. No call, no letter, no nothing. I am cancelling my account with Chase because they suck! Please let me know if there is anything I can do to make sure people are aware of banking and their indiscretions.

I received two separate email alerts from Chase/Visa indicating that they were going to send duplicate copies of my credit card to a location in Colorado (I didn't authorize). The first alert occurred on 09/14/2012 and the second alert on 09/19/2012. As a result of these alerts, I had to cancel the accounts. The first alert caused cancellation of the old card and an issuance of a new credit card. The second alert resulted in the cancellation of the new card and my terminating the relationship with Chase/Visa. These actions resulted in my contacting numerous business and government agencies that I had automatic payments with. I spent long hours in which I had to alter the payment method. I believe that Chase Visa was negligent in that they failed to prevent the second mailing of the new card and didn't have a system in place, i.e., a red flag on the suspected location. I have a record of these alerts and would like to be advised of what can be done and I request a response from your agency.

I am being called by a collections agent from Chase, Shirley, 800 853-2375 ext. **. She has been calling me for one month now. I have asked three times for her to stop calling as I have no idea who the person she is asking to speak with is. Other than paying for an AT&T service to block her number, I don't know how to get her to stop calling me. For some reason, my cell number is on the name of someone they are tracking and regardless of me telling her that no one by that name lives here, she persists. This is ridiculous.

My July Chase slate statement for $146.89 was due on September 6, 2012. I wrote out the check and mailed it on September 3. Today, September 10, 2012, I received another statement from them (August?) that states I still owe the $146.89, plus an additional of approximately $31.00 in late fees and interest, along with any new charges. I called to ask why and was told that my payment had in fact been received, but their records show the due date was September 1 (but this statement still shows that I owe the $146.89). Note that I had called and changed my due date to the 1st of the month and was told it would begin with September charges. The CSR said no, that was incorrect and it was any outstanding charges at that point would be due on September 1 (instead of the date on the bill!).

Chase's slogan is, "the right relationship is everything." How would you like your financial institution to work against you when an employee is stealing from you?

After opening a credit card with Washington Mutual six years ago with high interest rate due to poor credit score, Chase now has taken over. Now, my credit is a lot nicer than it was. Chase will not work with me to lower the interest rate to a more reasonable rate, telling me this is the best they can do for me. Everyday, I receive new credit card offers from other banks that I have never banked with. You would think a customer of six years would deserve a little better treatment and a better rate than 29.9 percent. I've had enough!

Years ago, right before I was diagnosed with cancer, Chase took over my credit card. I was working a lot and had no idea what had happened until I finally looked at a bill and it was at 29.9% interest! I called and asked to be allowed to opt out as others did and shut my card down and pay it off in good standing as others did. They gave me hell and we went back and forth for months! They stated they sent me a form and I never received it and called them again! I was diagnosed with cancer and they refused disability insurance on my card! I am permanently disabled! How is that not covered? I now have a $909 debt on my credit report. By the way, that was far above the amount I had with Chase and MCM Credit Management in San Diego California is refusing to help me saying that they have it now and basically, my insurance doesn't matter.

I have had this Chase card since 2005 when Washington Mutual owned it. In Dec. 2009, when Chase purchased Washington Mutual, I didn't receive a statement and went past due within 30 days. Since then, I have been in a default APR due to the one past due ever. I have paid my bill on time ever since. I have spoken to them many times asking about lowering the APR and that I have paid for at least 6 months in a row and should be approved for a lower APR. They always tell me there is nothing lower to offer. I have a second account with them and that APR is 12.24. I faxed them a letter on July 15, 2012 asking them to look at my account for a lower APR. I received a letter back stating that they do review the account every six months, but still not lower APR is available. I find this to be a lie. How can I pay on account on time for over 2 and 1/2 years and no lower APR ever be available? I am asking for help to see if you or anyone else can get Chase to lower my APR since I have been a loyal customer of theirs since 2005 and paid one late payment over 2 and 1/2 years ago.

Several years ago, I was in financial trouble and settled all my credit cards. I knew this would affect my credit but I had no choice. I paid Chase the agreed amount. They sent me a $1,099, which means I have to report this money as income on my taxes, and Chase in turn takes it as a loss. I thought it was the end of story. I was wrong. Two years later, after patiently waiting for my credit to come back, Chase is still on my credit report. They are reporting me as paying late every single month, despite my not even having an account with them anymore. When you settle an account, the account is done. Over. No other company that I settled with did this. I have recovered financially, do not have credit cards, pay all bills on time in full for two years.

I was shocked to discover today that Chase is continuing to take advantage of customers like me by applying our minimum credit card payment to the lowest APR rather than the highest. Yes, they can legally get away with such horrid treatment of customers because their bailout did not require them to be fair with customers. It is so upsetting to know that as Americans, we paid to bail out these banks but in return instead of passing on the help to consumers in the form of low interest rates and flexible terms, they have made it harder than ever to get out from our debt. It's just not fair! When did it become okay to just do what's legal rather than what's right? We consumers need to stand up and form coalitions that can bargain with these greedy banks or drive them out of business. Greed should not be the American way!

I have been with the company for more than 6 months. I have been an outstanding customer and have paid my bills on time. More importantly, I have never maxed out my card, I have excellent credit, and I always use 30% of my card. The agreement states that after 6 months, your credit limit will automatically increase if you pay on time and have no debt. It has been more than 6 months and I still have not received my increase. When I called customer service on 8/11/2012, they told me that I have to request it and a hard credit check needs to be done. I was really upset. I had explained to her that the contract stated that I qualify for automatic increase after 6 months of loyal service. I have had issues with this company in the past about my interest which, thank God, to Consumer Affairs. It was helpful. Can you please help me this time again? Thank you very much for your time. Kind regards.

I enrolled in the Blueprint plan using my Chase Rewards Card. Foolishly, I placed a purchase under full pay. For four months, I have been trying to pay it off but to no avail. Each time I called, the CSR tells me that I have to pay the minimum due on the card plus the amount in full pay. I did this, in fact, I went beyond the amount , hoping it would guarantee that it would be paid off. However, for the last 4 months, I get a statement that states that there is still an amount due (last time it was $0.02 plus a fee of $10.00) plus they have added a promotion fee on top of that. It is a never ending cycle and the CSRs won't or aren't allowed to tell you the exact amount to pay the Blueprint off. The Blueprint plan is a good idea but Chase has it set up so you could keep paying fees and interest for years.

Unauthorized extension of credit limit - On 7/28/12 at 7:30AM, my card was used by an authorized associate cardholder to post a bail of +$32,000 at a correctional facility. Despite my having a $20,000 limit and alert setting to have calls for charges about $350, I did not receive a call and the charge was allowed. Calls to Dispute Resolution department associates, especially Mr. Landis **, politely told me that because of my excellent credit rating and exemplary record of payments, that charge had been given an access credit limit and the charge was allowed. He informed me that he was willing to suspend interest payment until 10/12 and that there was no higher authority to whom I could appeal. I have since written to the president of the credit card division.

Chase notified me that there may be a fraudulent charge on my United Presidential Plus Credit Card. I advised them that the $2646 charge was indeed not mine. They issued me a new card; however, they have not removed the charge. When I contacted them, they had no information that the charge is fraudulent, so I guess I'm stuck with it. I will not make any further payments to that account.

Chase cheated me. I have a credit card from Chase and instructions on file with them to not let the card go over the limit. They allowed the card to go over limit and then closed my account. I have never been late on payments, no problems ever. When I called them, they would not re-open the account telling me that it went over the limit. They even kept my rewards balance.

We moved to Venice, FL in Dec. 2009. My wife applied for a TJ Maxx credit card (Chase - TJX) in August 2010. In February 2011, Chase canceled this credit card account and reported to the three credit bureaus that there was a $119 balance overdue for three months. We first learned of this negative report when Toyota advised us during a new car lease arrangement that they were required to charge a higher interest rate due to Chase's negative credit report. We called Chase and they told us it would cost $355 to settle the account and that they had called us repeatedly about the overdue balance.

I have been a customer with Chase since 1990. I had always paid my bills on time & fully. A few years ago, while still married, my husband & I both became unemployed. With no income, I used my credit card to pay for household expenses; I struggled to keep up, but missed a payment. At that time, due to my missed payment, Chase began to increase my interest rate. I called to explain the financial situation I was in and requested that a reduction in interest be made, Chase refused.

I received promotional offer for balance transfer with no fees for 12 months in June 2011. I called and talked with a representative just to make sure there will be no any hidden fees. She assured me there isn't any fees at all if I paid off the card balance in 12 months. So I transferred balance from another card and paid off Chase card in May 2012, so one month earlier. They still charged me $18.00 for balance transfer interest. I called them and talked with another representative who told me that promotional offer ended on April 30th and that I have to pay this fee. So, I told them to close my card and never ever contact me again. I'm done with them.

I have not received statements to my address in 2 years from Chase, and now, they are saying that I'm behind on my payments. I have been making payments, just guessing and without knowing what was owed. Now, I'm getting calls saying my payments are past due, but I still can't get a statement. They have the correct address in their system.

My husband entered into an agreement to resolve a debt owed to a credit card account over the phone and the payments were set up. The payment date was the same for each month, but the last. My husband was a day late and now they are filing suit. How can they change the date on the last payment? This was done to make sure that the payment was late so that he breached the agreement. This should be against the law.

I would only say, don’t get a Chase card. I paid my card on time always. When I paid my card off in full over a month earlier, I then received another bill from them. They said it was my interest from before. What it was only $16, but **. They would not even say oh well for paying your $2,600 Visa balance in full, we can take that off. And that, I’m adding, is from over a month later of paying off my bill. They were rude and I then called back and canceled my card saying I would never use their card service again. They have been nothing but unpleasant to deal with. They are a -20 in my book!

Chase has been applying my additional monthly payments to the lowest interest balance for at least the past four months and possibly longer. The credit card agreement states additional payments will be applied to the higher interest balances first. They say that's the way their system works and the supervisor I spoke with chuckled when he said I wasn't the first case he'd seen with this issue as he began crediting my account for several months back.

I do a lot of online purchasing and there have been lots of extra charges on my account that I refuted because I didn’t authorize them. But when I request credit, they tell me they want to shut down my account because I have requested too many requests. Isn't there a law against them singling me out to be vigilant about improper charges and requesting for credit? Why do we have to be treated like this? Please help.

My business account was unilaterally closed by Chase without notification. The way I found out was from a vendor whose automatic payment was rejected. I called and the customer service person can't explain why and escalating the call goes to voice mail that is never returned. Now, on top of that, they stole my rewards points, saying when the account is closed those points are forfeited.

Chase snuck interest charges into my statement. Luckily, this time, I was looking closely at my statement when I was about to pay the credit card statement and noticed it. I was puzzled because I pay the credit card statements on time, except for one month, at which time I forgot and was charged interest and penalty, etc.

I was misled into signing up for Chase/Southwest Rapid Rewards credit card. The promotion was to include one free ticket upon signing up with the card and an additional 20,000 miles on the first transaction. Not only have I not received either, but they have not even counted all the money I've spent in points (26,000) over the past year. Each time I called and spoke to various supervisors, they were all very friendly and assured me they would get back to me in two business days. I have yet to hear from anyone. It's been over a month now!

I had three credit card accounts with Chase Bank. Two were Mastercard accounts and one was a Visa account. The Mastercard accounts were cancelled because the balances were eating me alive. I kept the Visa account. This account was closed even though I have made monthly payments ahead of the due date. I have never been late or missed a payment. I am on a fixed income do to disability issue. Trying to pay everything in cash is a real burden. Just to keep a roof over my head takes up two thirds of my check, leaving me to make a choice to pay for medicine as I have diabetes, or food to maintain my control on this disease. I need one credit card to survive.

I had card for years and then interest went up to 30 something percent. I went with Debt Wave and paid off the account. The last payment was for $3415.00. Debt Wave let me know today I had a credit of $31.19 with Chase. If I had not received it, to call Chase. Big mistake! They say I have residual interest that will be counted on the 17th of this month. So can you say they will get that $31.19! Chase Credit Card used to be a great card, I don't know what happened to them. Yes I do, greed! Looks like to me if you work hard to pay off your account, they would at least send you what money is yours. However, they just want to keep all of it. Do not get this card unless you want to pay through the nose the rest of your life! By the way, hire someone who speaks English in customer service.

I have two credit cards from Chase, Toys R Us and Amazon, and they ripped me off in both of them. In Amazon credit card, someone in another state hacked my account and used my card. I contacted Amazon. They sent me the new credit card but after a few days, they sent me the bill with some interest on the amount that I have not used. They said I have to pay that amount and kept sending me the bills. And in Toys R Us, they have never sent me any bill, any statement and suddenly, I get the letter from the collection agency that my case has been sent for the bad debt as I didn't pay the bill. Such a rip off!

I closed my Chase United Miles Card in 2008. The interest rates were too high (in the high 20s), and I had to close the account to bring the interest rate down to a manageable level, 6%. I paid the account every month as required, following the close of the account. In October 2010, I received a call from Chase that my payments stopped. We had an auto pay sent on the account that created a missed payment, as we moved across the country to relocate from PA to CO state. I immediately set up a new account from my bank account to auto pay this card with the customer service rep. The card has since been paid on time every month thereafter.

I have been with Chase for over 6 years and had three accounts with them and two credit cards. In the last year, they have put fees on everything. I decided it was such a ripoff. I couldn't afford to keep my accounts open with them. The real problem is I have always made my credit card payments on time and I guess I made a payment 30 minutes too late. They charged me a $30 late fee.

I needed a VISA with a decent credit limit as the specialist I am seeing doesn't accept American Express which has been my card of choice for years. Also, I was looking for a card that would allow me to perform a balance transfer so I would only have one bill to pay each month. I decided to go with the Amazon VISA through Chase because I am a die hard fan of Amazon and their customer service.

I am a poor college student going to school full time and working full time. I am trying the best I can do to pay off my tuition bill by April 26, which is my deadline, in order to receive my degree. Here I am sitting on the eve of midterms with a 40-minute commute that I won’t be able to make on the day of midterms, because Chase Auto decided to be sneaky ** and take my car at 2 am. How in the world do they want me to graduate and get a job if I can’t make it to school? Are they complete idiots? I have tried to work something out with them, calling the legal team and the ** behind the counter. She promised me 24 hours in advance and personally I was not given that time that was promised to me.

I have been a loyal customer to Chase more than 10 years. I went over my limit by approximately $1000.00 for 4 months (not consecutive). They closed my account. I have not missed a payment. This has negatively impacted my credit report. I called them and they offered to reopen the account. However, this will not change the impact on my credit scoring.

Last year, my wife and I both applied for Southwest.com Rapid Rewards Credit cards through Chase. The reason we applied was that they promised 1 round trip flight for each of us with our first purchase. They failed to let us know that it would be a long time before we received them. We received our cards and made our purchases, planning to use our free flights for a summer vacation.

I am sending this message due to improper professional services of your corporation because of an ongoing situation regarding my Chase MasterCard! As of February 16, 2011, I have not been able to use my MasterCard due to what your department called suspicious activity that someone other than myself ordered a new MasterCard under my name. But my card was never lost or stolen. I went to a store to purchase something and the transaction said invalid or declined to that effect, so I thought it was just the system or that the card was getting old and worn due to years of usage. The next day I go to another store to buy something and the same thing happened. They claim that someone from San Jose, California ordered a system called e-fax, which to a non-technology person, I do not know what that is at all and your company labeled it as suspicious activity!

Around June 2008, I entered into an agreement with Chase Bank (USA) to resolve debt owed to credit card account number ** and payments were scheduled from automatic payment. The payments came out of account but Chase Bank failed to take the last payment in October 2008 and, as a result, sold claim to Unifund CCR Partners who has filed suit against me. I attempted to resolve the matter with Chase Bank with no success and request your intervention.

I signed up my credit card with 0% for 18 months and 5.99% variable after that. I have not been late a single time on any cards (not even outside of the Chase), still my interest rate was jacked up to 27%. Apparently, one payment was returned because of insufficient funds due to an issue with the bank that owns my checking account, but I ended up making the payment in time. First rate hike was from 6% to 13% with no reason! Then, due to one insufficient funds notice, they jacked up the interest rate to 27%. I ended up paying $2,000 in interest rate over 2011. I need to get all the interest and legal fees associated with the claim!

I have disputed a charge from a vendor. They took it off and then recharged my account after I had closed the account. When I tried to talk to someone in the dispute department, I was disconnected and they never called back. I have faxed details of my dispute (four times) stating the vendor will drop the charges but they still will not contact me. I will not be paying these charges in any way, shape or form and don't want my credit rating damaged.

Chase bank is not properly applying credit card payments as dictated in Card Act of 2009.

For at least 2 to 3 years my interest rate is a shocking 29.99%, which, at this rate and the amount of take home pay I make, will take me over 10 years to pay off. Knowing how much I make, which has not changed in almost 10 years, Chase has continued to raise my rate although my payments have been on time. I have asked them a number of times to please review my interest rate to no avail. I am basically living just to pay them now. Moreover, knowing how little I make, they have continually sent me offers to raise my credit by thousands of dollars! Why would they do this if they know my yearly income? Help!

On October 2011, I made a travel reservation on the web and bought round tickets to go to Caracas for a wedding; flying from Miami. Since I live in NY, I left a day before to start my trip on Nov. 2, 2011. My nightmare started when I got to airport and TACA airlines informed that my reservation to Caracas had being canceled by my credit card. At that point, I called Chase and reported the incident, but they were unable to help me. Because of all this, I had no other choice but to buy new tickets with a different airline. As is known, buying traveling tickets right at airport is very expensive, it cost me $1,414. My previous tickets were $586.00. According to TACA airline, Chase did not validated my transaction, so I hold them responsible and would like Chase to refund me the amount of $828.00.

I received my credit card statement and at the bottom of the statement it shows that I am paying interest on a balance that is much higher than my actual balance noted on the statement. When I called to inform them of the mistake, they made excuses that made no sense. In the end, they would not correct the error. I feel they are cheating me out of money due to the fact that I am paying them off.

I put my card number on a website to buy a product for $39.00. I clicked one button, and the price jumped up to $135. I immediately closed the website. I immediately called the credit card company, as they may try to charge on my card. The lady said there was nothing they could do, until it posts. I tried to call the company, and all I got was a recording that day. I got charged on my card. I found out later from the dispute department that they could put a block on the card, or cancel the number. It is a long story.

Over the past 10 years, one by one, the banks I had credit cards issued from were taken over by Chase. Then Chase would reduce my credit limit which would increase my debt ratio which in turn reduced my credit score, which resulted in not only Chase but other banks increasing the rate on my cards. When I tried to explain to their customer service reps how debt ratio affects a credit score, they acted like I was speaking a foreign language. Makes me wonder what you are required to know to work for them. Things that make you go, hmm. By the way, I pay all my credit card bills on time every month.

I'm a long time customer myself, my husband with three dental practices, and my mother has accounts that I am POA and in a legal will and document that has been for many years. On January 2, 2012 my mother had a slight stroke at 82 years old; she lives in VA near my daughter whom is authorized on all of our banking accounts. My mother per her attorney added me on for legal reasons to her credit card due to better tracking of financial for her. Over the past ten days, I have lived thru hell with your company. All of my mother’s bills come to me in Illinois as I am in charge of her finances. When I went to purchase her RX the card was declined. I called and started the roller coaster events. I am ill and sick over Chase's operations. So, on this day that the bright and shining star of a supervisor Rebbecca put a close on my mother’s account I hung up on her because when she asked to speak with her, I put her on and she not only insulted this 82-year old woman and said, "You are not the customer Mrs. Pape", but she also advised me that my mother never lived in Parma Ohio, which If they would look on her credit card that for 30 some years.

I received info for 0% interest on balance transfers and purchases for 15 months. I signed up and understood their would be a $5 charge or 3% fee on balance transfers. I paid $120! We have excellent credit, always have. Never late on even one payment in our life! They only gave us $5000 credit. Our income is mid 100K's. I called in five months to check on promotional date only because we thought we had at least another year. Not only did we not have a year but they only gave us "standard" pricing which was six months plus an APR after that of 21.99%! Chase credit card is nothing but a scam! They sell you one thing and then scam you after they have their initial money! No way in hell would I have paid $120 for six months!

I had a very high limit credit card that was used for an expensive business purchase. The interest rate was raised and the interest accrual monthly was as high as a payment on another account. I decided to try to consolidate debt to assist with financial struggles. I had discussion with Chase about settling debt, but did not want to lose the account so I did not. I worked very hard to manage money to pay the account balance off in full. Today, they called me to let me know I was no longer a valued client and my credit limit was lowered to almost closed.

My husband and i had Washington Mutual credit card, The credit limit was 700 dollars and since he was ontop of his payments they kept raising the limit and since he didnt use it and shortly after Washington Mutual became a Chase credit card therefore our card was cancelled. My husband and I work very hard to try and support 2 kids, make sure all our bills are paid and make sure there is enough food on the table to feed the kids

They give constant phone calls but no messages are left. They even called on Christmas Eve. I can’t believe you heartless **** called on Christmas eve. It's not bad enough that I have to file for bankruptcy in January but Chase never stops harassing me. If you think this will get me to call you, it only makes me angrier and I will not call you back. If you were human beings, maybe I would but after the hell I've been through for the last 2 years with no one willing to help me, actually, they have the nerve to call me on Christmas Eve. Merry Christmas and go to ****. Thanks for the understanding on my hardship.

Chase Card Services sent me a typed credit card offer promoting a 0% interest introductory APR on purchases and balance transfers until March 1, 2012. The offer was good until January 3, 2011. I opened an account on November 24, 2010. On December 2, 2010, I received my credit cards. On December 11, 2010, I received a letter stating that my introductory APR of 0% on purchases, balance transfers and balance transfer checks was good until December 23, 2011. I called Chase customer service and explained that the initial credit card introductory rate offered to me was valid until March 1, 2012 not December 23, 2011. Chase had no records of my claim so I faxed them a copy of the promotion clearly indicating the promised date.

I was paying off a Sears card account that I owed about $500. I sent them $520, the extra $20 for their miscellaneous interest charges. A few weeks later, I received the Sears card statement, thinking they should owe me about $19; I never opened it. A month later, I received another Sears statement and I opened it and to my surprise my payoff payment was a day late so I was charged a $35 late fee. So the extra $20.00 was deducted from a late fee of $35.00 and I was billed $15. But since I never opened the first statement, the second statement said I now owe another late fee of $35 plus the $15 for a total of $50. So I send them another $50 plus $5 (misc interest again).

Although the account would be in her name, the purchases and payments I made on the card would contribute to my credit score.