Chase bank took over my bank several years ago and the level of service has gone incredibly down hill. I have a Chase Freedom Card which for the last year or so I have used occasionally.
Last year I erred in leaving my interest free charge too long and incurred an interest charge. I paid the charge but complained about the calculation, after several message communications, rude replies from Chase I might add in which I questioned the calculations they have knocked me off the website because I noted that I was unable to calculate the average balance from the calculation that they sent me. The website gave a phone number to call which I did (they say there is a "Security Problem" after getting passed around numerous times and calling back on the fourth try I am told to take identification to a branch.
Several days later I did this and the girl then calls the same department which questions her about me and asks if I am a customer of the branch which she tells them no (I opened my accounts 20+ YEARS AGO at a branch bank office that does not exist anymore) then my drivers license, another credit card, and finally my social security card which I did not have on me. then whoever she had called declined to reinstate the account. Apparently he (or she) just kept asking until there was something I did not have in my pocket. The people in the branch are always nice and cannot do anything. Since the Chase purchase have closed 2 of my 3 checking accounts, 2 credit card which Chase bought and now a third that I will not use. Since I no longer have a checking account the branch is inconvenient and I have several other cards and have opened accounts at other banks, I discovered as an employee of a bank that you should never use just one. It is clear that questioning them will bring retribution. I questioned the calculation used to compute the interest I paid, since it was only $8 and I had paid it last February I was not very concerned but I feel they are consistently stealing from their customers and cut off any questions when found out.

I noticed a fraudulent charge of $1409 in my Chase Credit Card statement. I initiated a dispute with Chase Credit Card. During the next 3 months Chase Credit Card would credit my account as if returning the money and then rebill the money back again. It keeps looping over and over. When Chase Credit Card rebills the amount back and the credit card balance sky rocket up above $1409, it also applies interest charge to the new balance and claims big minimum payment of more than $100.
Customer Service would claim that they don't see on their computers what I see in my Chase Banking online. Dispute department would not return calls, answer official letters or faxes. They are not supporting their customers! Contrary, they are using the situation to rip the money off their customers who got into trouble with fraudulent charges on their credit cards.
Is there a government agency helping to protect rights of deceived credit card holders? If you've been in my situation and won the battle, could you please share what to do?

I am the owner of two businesses. I use my chase credit card. I am late a couple of times but not 0f 30. I have about 60 plus employees. I have been zapped by your 29.9 % interest. In the past 12 months I've payed over $4, 500 in interest and only a little over $1, 500 went on balance. Which is $14 k. You are ripping the public off and it's painful. During these tough times people use these sources for money. Chase Bank uses these tough times to rip off the customers, while chase take 25 billion in tax payers money. lower those rates on people who are having a tough time please.

Chase charges me an annual fee every february. I had just called Chase on January 5th, 2011 attempting to close my account and the representative requested that I should call back when I really paid up my account. The payment for january was on th 17th. So I thought I should call on January 17th. But then on January 6th, I get a fraudulent transaction red flag on my email. I called back to Chase and told them that I have not used the Chase credit card since December 17th. I requested the Chase personell to cancel my account as some one has authorized an illegal charge on my account. So Chase representative states that if I cancel my acocunt now, they will report to the credit bureau that the account was cancelled due to dispute over unauthorized charges, which decreases my credit score. There is something very fishy...Chase representative may be selling my account info so that I would not cancel my account and that they may charge me $65 annual fee in february. Chase is forcing me to stay on their account until the fraudulent charge is resolved...and by their pace, they will charge me another annual fee of $65 on February. Chase is very malicious..if you do not want to do business with them, they will attempt to destroy your credit score. Beware

I'm the holder of Chase Freedom credit card account #5401 xxxx xxxx 8631 since Mar 2007 and never miss a payment. My credit line on the account is $15.000. The main reason I use this card because Chase named it Freedom and it has unlimited 1% cash back.

On August billing cycle, I use the card for merchandise purchase total worth $60.000. I then made all the payment at Chase bank in cash before I reach the limit so I can keep using it.

Chase closed my account on August 16 and send me letter saying that because I using the card and built up too much rewards. They decide to close my account so they don’t have to pay out my rewards. They also said my credit is no good and I’m not experience to handle debt. Total rewards around $600 for the billing cycle plus another $100 from last month billing cycle. My credit score have no marks, and over 750 in FICO score.

As of August 28 billing cycle, my account has $14.485, 88 in credit balance. I had been contacted Chase 3 times since the day account was closed for the refund balance on my account. The answers from Chase I'll have to wait for them to verify the payment which all was made by cash, the payment not clear, blah blah and they don’t know how long it take to complete. It's my money and they keep it without paying any interest.

On August 31 2010, I contacted the BBB and Attorney General Office for help. On September 02 2010, Chase mailed out the refund check for $14, 485.88 and I deposit the check on my bank account on September 07 2010. On September 08 2010, they made the stop payment on the check. The check returned non sufficient funds and there overdraft and other NSF charges on my checking account and other people accounts that I wrote the check for them.

I contact Chase executive officer Elisabeth at 1847 488 6000 ext 7185 for answer and she told me to wait for another 60 days for them to verify the credit balance on my account with other merchants that issue credit back on my account. This is unacceptable and breaking the law. She told me that I have no other choice and have to wait at least 60 days from September 10 2010 for them to start issue the refund.

As of today September 20 2010, the credit balance $16, 098.94 on my account and they keep holding on my money. And also they making my checking account and other people accounts incured overdraft fees for their stop payment on the refund check.

They acting as a giant commercial bank and they decide what ever they want to do. It been a lot of hassle to deal with them and it was my money and all they have is to return it to me which they did not.

I found the link below which answer about consumer loan refund from Controller of the Currency Administrator of National Banks saying they must refund the money within seven business days.

http://helpwithmybank.gov/faqs/loan_balance_refund.html 

Chase using deceptive practice to bailout my rewards, now they try to bail out my money. This could result ruining my whole family financial cause by holding on my money, I'll make sure they responsible for it.

Time to switch to local banks and credit union.