I'm complaining about the staff Chase card services has working for the.In the days of september 6 th to September 9th my husband ly on his death bed.Chase card services called numerous times .On each occassion it was explained to the callers that my husband was dying and I could not pay my payment at that time.well the calls kept coming.On septmber 9th my husband passed away and the calls still fled in.The callers becoming ruder with each call.ONSeptember 11th as I was headed to the funeral home to bury my husband another call coming in.This time what was said by Chase card services was cruel and uncalled for.I told the man i was in my way to the funeral home for my husbands funeral he was very rude and said I dont care if your husband died or not your late on your payment and we need it now.Well I hung up on him of course.He called me right back.I again explained to him again what was going on and he was again said he did not care, he just wanted the payment which is now just a month late .He was cruel and inconsiderate over $56.00.that payment was the least of my worries at the time.This inappropriate behavior was uncalled for.this only made my grieving worse.These people should be ashamed of themselves for acting this was and Chase card services should be ashamed for letting them work for their company.And to know that their workers treat people like this is a different story.I just thought people should hear my story.I'm sure I'm not the only one who this has happened to.

Do not do business with Chase! I had an account with this company for four years with no problems until a recent baffling episode. I received 0% APR balance transfer checks, which I kept on my desk in case I might need them within the alloted offer time frame. Within that time frame, my infant daughter had used my Chase card as a toy and lost it in our home. I informed Chase about the incident; they said its no problem, they will just issue a new account number and send a replacement card. They also informed me that no changes will take place with the account itself, merely a new number. I then had a need for the balance transfer checks when I decided to take my wife on vacation. I used the check to pay off a seperate card which was used for the plane tickets. However, Chase sent me a letter informing me that they will not honor the check because it was issued to a now "closed" account. That caused me a $39 fee from both credit card accounts for a "returned check charge." When questioned about this madness, Chase employees rudely and harshly vomited out their company's policy without any explaination whatsoever. I was cut off mid-sentance and transfered to unrelated departments, left messages with supervisors who never called back, and treated like garbage by every employee I talked to. DO NOT DO BUSINESS WITH CHASE CARD SERVICES. TAKE YOUR MONEY ELSEWHERE!

My recent statement indicated an effective APR that was 7% higher than last month. When I called to find out why, a rude oriental woman, with poor English skills, said that I had not responded to a "change in terms" letter supposedly mailed to me in May. Since I had not received such a letter, I asked her if it was sent by certified mail. She said "No, it was sent regular mail." As I inquired further she became impatient and began accusing me of arguing with her. Then she had the gall to suggest that maybe someone else saw it and threw it away. (Her "blame the customer" customer service technique was pretty lame, even for the blood-suckers at Chase).

For the record, I personally bring in the mail on a daily basis. Neither my wife nor I just flippantly sort through it and chunk it in the trash--she even opens junk mail. Chase just assumed that I received the letter (and didn't really care if I DID as long as they could legally say that they notified me of the change--but they can't PROVE it).

This technique is typical of the unethical way Chase does business. They make you reply to their "invitation" to be screwed (which any normal person would decline), or they screw you. Seriously, what moron would willingly agree to have their APR jacked up 7% for no reason other than Chase wants to make more money in a bad economy? It's not like I was late on a payment; it was completely ARBITRARY.

I am supposedly being sent another notice to decline the change in terms. We'll see what happens.

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The first time Chase tried to screw me involved their bogus, money-grubbing policy of "Universal Default." While taking a stack of bills to the post office one of them fell between my passenger seat and the center console.

This was a gasoline credit card that I used about four times a year (just to keep it from going dormant). Well I didn't discover the bill until it was already past due. Chase's response was to try and raise my APR 7%. When I refused, I was forced to close the account (not that it was any big loss).

Now mind you, the balance due the oil company was a whopping 40 dollars which I paid in one lump sum plus the late fee (fair enough, the fault WAS mine). So where does Chase come off thinking that they get to screw me when the late payment did not involve THEM at all?

And, unlike some other banks, there is no mechanism to restore your original terms after one late payment. You could keep your account in good standing for six years afterwards, but your rate stays the same. Once Chase jacks up your rate, it's time to look for another credit card issuer.

>>>>>

Now that Chase, like a cancer, has bought WAMU I will have the pleasure of closing three accounts in one day. I will not do business with these people ever again and neither should you.

Awaken people! Chase isn't the only bank or credit card issuer around so don't be a fool. Use a local bank or check out Simmons First National for low rates and representatives who speak English as their first language.

Dear Sir or Madam:

I am writing to protest Chase’s recent pattern of conduct, which was, at best, dishonest, and at worst, fraudulent. Specifically, Chase has inappropriately used its refusal to deliver my monthly statement as a pretext to punitively raise the APR and to levy penalty fees on my card ending in -4804. In response to telephonic and written communication from myself and my bank, Chase had previously agreed to review the situation and to inform me by telephone and in writing of its decision. Instead, Chase then sent a letter refusing to review the situation, had its collections department repeatedly call me at unreasonable hours demanding payment, harmed my reputation and charged additional penalty fees after incorrectly declaring the card ending in -4804 ‘Lost/Stolen.’

________________________________

Here is how this ordeal started. Prior to July 1, I had an impeccable payment history with Chase. At Chase’s urging, I signed up to receive paperless statements. Specifically, Chase sends an electronic bill, or ebill, to my bank, Bank of America. In turn, Bank of America then automatically sends timely electronic payment to Chase. This system worked faultlessly for at least the six months prior to July 1.

In April, I transferred a balance to my Chase card ending in -1347 at a promotional 3.99% APR. In May, I reported my card ending in -1347 lost or stolen. For security reasons, Chase issued a new card ending in -4804.
Neither Chase nor I changed the electronic codes used to access my account online. Thus, before and after Chase issued the card ending in -4804, I was able to electronically view my statement by using my same online identification and password credentials. Nevertheless, in June, Chase refused to deliver an electronic statement to Bank of America when presented with these electronic credentials. This refusal was perplexing since Chase had delivered an ebill to Bank of America when presented with these electronic credentials for at least the six months prior to July 1. Chase also did not notify me of its refusal to deliver my paperless statements.

On or around July 10, I learned that Chase had refused to deliver an ebill to Bank of America for the payment cycle due July 1. Despite withholding the statement, Chase more than quadrupled the promotional APR to nearly 18%. Bank of America and I immediately jointly called Chase. Chase explained that the ebill was not delivered because the account had changed from -1347 to -4804. We countered that this was irrelevant since the electronic credentials that both Bank of America and I used to access online statements had not changed. We further pointed out that other creditors had not withheld time-sensitive ebills when presented with proper electronic credentials from Bank of America, a well known and trusted bank, even when account numbers were changed.

Chase agreed to review the APR if Bank of America sent a letter on my behalf. Bank of America did so. Significantly, this review was not conditioned on making payment at that time. In fact, during the call with Bank of America, I expressly refused to make payment to Chase until it had completed its review. This is because I disputed the late penalty fees and punitive finance charges levied by Chase. Chase agreed to review the matter and contact me by telephone and in writing after its review even though payment was not made at that time.

On July 16, Chase informed me in writing that they would not review the change in APR – despite having previously promised to do so – until payment was made. On or around that date, Chase also notified me that they had refused to honor Check #3093 drawn against the card ending in -4804 because it had been reported ‘Lost/Stolen.’ Please note that the card ending in -4804 had never been reported lost or stolen. Chase levied yet another penalty fee anyway.

On July 25, a Chase representative called me on Saturday at the unreasonable hour of 5 a.m. PST, demanding payment. I asked the representative to give me the results of the review Chase had promised me. The representative stated that my file notes showed that a review was still pending. He promised to have Chase call me back with the results of that review. On July 28, Chase again called, this time both at 5 a.m. and about 12 p.m. PST, to demand payment. The representative again acknowledged that a review was still pending.

At best, Chase’s conduct in this matter has been dishonest and heavy handed. It has inappropriately withheld statements despite being presented with proper electronic credentials. It has repeatedly promised and failed to review the situation, despite repeated conversations and a written letter of endorsement from Bank of America.

At worst, Chase’s conduct has been fraudulent. It has used its failure to deliver timely ebills as an inappropriate pretext to charge hundreds of dollars in fees and finance charges.

In either case, this conduct is wrong.

Sincerely,
Eric Xanthopoulos

Most recently, I got a statement from Chase Card Services for the period of 2/5/09-3/4/09, the due date was 3/29/29 and the balance was $82.12. I mailed my check and the statement for the following period showed the payment was received on March 13th, but my balance is now $1 of Finance Charge.
Before this, Chase cards slapped on finance charge another time even though payment had been done in time.
And before that, Chase cards sent me the new card but never the statements after that. When I called, they said the statements got returned to them due to wrong address and it was my responsibility to call and check how much I owed and paid in time in that case. By the time I called, they had made $100+ of interest charge. The address wasn't wrong initially as I did get the card and so why was it no longer valid when it was the time to send the statement?

I recommend against getting a credit card from Chase and avoiding at all cost getting a loan from them as they may suck all the $$ out of you till you die.