My issues with Chase started around April of 2009. I have two cards with Chase. One of my cards was not paid by the due date because of my own oversight. They charged me a 39 late fee, which was the first time since I have had my cards with Chase, formerly WaMu. I called to ask for a one-time fee reversal and they declined. They said that Chase does not reverse any fees. I told them then that I wanted the account closed and it has been closed ever since. Recently while out of town, I missed the payment due date by one day and again they charged me the 39 late fee, which again was my fault. I didn't try to fight it, since I knew they would do nothing. Next is the part of the story that totally pissed me off about Chase and when possible I will take my business elsewhere. They started calling me less than 2 weeks after I missed the payment. I told them that since they don't remove fees and will get my late fees plus finance charges that I would pay them when my next bill was due. I figured, why rush to pay something where I am already late and charged a late fee. Why pay them the money before my next payment is due????

Well, when they started calling I told them this and they wanted to set up a payment schedule. Mind you that my payment that was late was less than 70 and it was less than 2 weeks overdue. They became aggressive and I said they would get their money by my next payment due date. Well, about a week went by and I received my next bill. My payment was for the past due amount PLUS an additional 110!!! I was livid!!! Now it only gets better. I knew I would just pay it when it was due and just be done with it. Mind you again that this account was not over the limit and it was a closed account. So here we are about 3 weeks before my next due date and the phone calls begin again from Chase. They want to know when I am sending the past due balance and want my routing information and want to set up a payment schedule again!!! I once again said that they would get all of their money when my next payment was due. I became more aggressive with them as the calls continued, not once, not twice, not three times, but 4 or 5 times a day for 2 plus weeks!!! They started at 8am and continued all day!!! Thank God for caller id. Every once in a while I would answer and chew them out again and tell them to stop calling. They stopped for the remainder of the day, but them started again the next day.

Now I just paid the full amount of my next payment of almost 200 and am waiting to see what happens next. So, I was late with my payment and they got all excited for something that was paid with 30 days after missing the payment. I find it hard to believe that a bank that just posted a 3.59 billion dollar profit, per msnbc.com, had to harass me for almost 3 weeks. Chase is not a very consumer oriented bank and do not work with their customers very well. I would think that in this rough economic time that they would be more willing to work with their customers, than be a thorn in the side of their customers. As soon as possible, I am taking my business elsewhere and will not deal with them again. I wouldn't be with them now except for the fact that my credit cards and mortgage were sold to them during some merger. My advice is to stay away from CHASE at all costs. The grief that they give is not worth even a better interest rate.

Chase bank cancelled my credit card stating that my risk was to high due to the fact that I had not had the card long enough and that my credit limit was not high enough. They also went back more than 6+ years on my credit history and found an old retail card account, that is ready to roll off my history, that had been seriously overdue nearly 7 yrs ago and has since been paid in full to add to their already assinine reasons for closing my account. This was all done at the time that my Washington Mutual card was to expire. I had been with Washington Mutual for nearly 3 years when Chase took over. They raised my interst rate from 19% to nearly 25% once they did. I had never been late so there was no reason that just because they took over another companies accounts that they should have done this. I made the mistake of making a payment less than 48 hours after the due date for which they charged me $39 for a late fee and when I made payment the next month, on time, without paying the whole late fee they charged me another late fee and then called me 10 days after the due date to inform me that my account was now past due and needed a payment made immediately. When I requested that they remove the second late fee I was told that they could not do that as it was not their policy and even though I had made a payment on time it was $9 short. I will be making complaints to the BBB as well as the AG until chase learns that they can't treat their customers like dirt and they don't even matter.

I have been a customer of Chase for about 2 years, even though that isnt that long i have had countless of problems with them. I have a credit card and i made several payments within one month and they decided to take upon themselves to lower my credit limit for no reason. My available credit also changed, I paid far more money then it shows on my availability. So my question is where did my money go? I am very upset with chase they need to be put out of business.

From the day Chase took over WAMU it was a nightmare for me.
On May 27th, 2009 I wrote a letter to Chase that went something like this.

To whom it may concern:

I am writing to you on behalf of _______in regards to the business credit card account we have with you. It was brought to my attention on Friday, May 22nd, 2009 over a phone call that I received that we had missed April's payment and that we had another payment due May26th, 2009. I immediately made a payment over the phone, but had some concerns as to why I never received a statement in the mail or a notification of any kind. The customer service representative was very rude and could not give me any answer.

I went online to look up our account and found that Chase had automatically enrolled me in "paperless notification" when they took over my old account I previously had with WAMU. I found this very upsetting for several reasons. First, if I was switched to paperless statement, why was I not notified by mail that this was taking place? Second, why was I not notified that I had a payment that was due? And Lastly, how can the switch take place without my authorization? I can not make a payment if I am unaware of the payment that is due.

If you look back to our account with WAMU you can see I was always on time with my payments. This was not my fault, but the fault of Chase for switching me to a paperless statement without authorization and I am requesting that the $39.00 late fee be reversed.

I have updated the account to receive future statements per US mail so this should not be an issue from here on out.

Sincerely,

___________

Then the rest of the nightmare continued.

On May 28th, 2009 I decided to cancel my credit card with Chase as they had not only charged me a late fee of $39.00, the customer service was downright out rude, the fax number they gave me to send information was incorrect, I talked to 4 different representatives and got 4 different answers, I was told they do not reverse fees, and on top of it all they had also increased my annual percentage rate from 8.99% to 29.99%. Yes that is not a error in my typing.

I paid the card off in full on May 28th, 2009 and wrote a letter that went something like this.

To whom it may concern:

I have paid off this account in full and will no longer be doing business with Chase.

Due to the unacceptable rudeness for your customer service representatives, incorrect information on how to fax something to Chase, which lead me on a wild goose chase all day, and being switched to paperless statements without my consent, costing me a $39.00 late fee, along with a lot of frustration and most of all my valuable time is the end of doing business with you.

I know credit card companies are into the bullying phase of the credit crunch, but I did not deserve to be treated like that? Your customer service people are so rude it is almost unbelievable. I will make sure to let others I know aware of the way I was treated and in my opinion they should never do business with a Chase Bank or Credit
Card Company.

I have requested that this account be closed immediately, please make sure that it is.

___________

In June I received my next months statement thinking that I was free and clear of ever dealing with Chase again, now let me remind you I paid the card off on May 28th, 2009 and this statement had a finance charge of $73.04 for the balance due between May 26th payment and May 28th the day I paid it off. $73.04 for 2 days!!

I called again and was told there was nothing they could do about it, once again by a very rude customer service representative, so I paid the $73.04 that was due by June 26th, 2009 on June 10th, 2009.

You are not going to believe this, but when I received my July statement my Effective annual Percentage Rate went from the 29.99% to 60.36% . Is this even legal? There was also a $1.00 Finance charge included on this statement. I immediately got on the phone again and was disconnected twice before I could even talk to anyone. Once again there is absolutely nothing they can do about the $1.00 finance charge so they told me if I paid it over the phone that would be the last payment I would have to make, so I did make the payment over the phone on July 8th, 2009.

Over done with so I thought. I received my next statement for August and this time there was a $13.95 processing fee for making the $1.00 payment over the phone and another $1.00 finance fee on top of that for a total of $14.95.


I was not going to get off the phone until this was reversed. I spoke to 1o customer representatives before someone finally said he would take care of it for me. I have been checking online and it looks like the charges were taken off, but I have not received my September statement as of yet.

This account was closed as of May 28th, 2009, yet I still have a total credit limit of $5000.00. Will Chase ever get it together? No company should be able to do business like this.

Sincerely,

Linda

Chase will not work with you if you have had trouble paying a credit card bill. Due to a layoff we had one income for 5 people. I had a balance on a credit card from Washington Mutual and I got on a payment program with them for $100.00 a month and no interest. Washington was consumed by Chase. Chase not only didn't let me stay on the agreement, they didn't notify me and now is charging me $39.00 a month because I am over the limit and 20% interest. And, they won't work with me until I get it under the limit. They asked me to list my expenses to see if I qualify for a program in the future and all they looked at was mortgage and car payment. I said what about groceries, gas, lights and water? They would not consider these. In my opinion, they're crooked, who can I report them to?