Below is a cc of the letter I sent to Chase this afternoon:
I am absolutely disheartened by the behavior of the credit services department for chases credit card department. My account had gone into a credit services program and I had the opportunity to pay the full balance off. CESI contact Chase on 04/03 to get a pay off. They were given an amount valid until 04/28. On 04/23 the payment posted on my account at this time I had a credit balance. CESI also mailed in the drop letter for my account with the payment to signify that my enrollment in their program was completed. Chase decided to process my drop letter before processing the payment to my account therefore I was charged the 27percent rate for the balance at that time and had a balance showing due of $69. I saw this and immediately called into Chase to verify that this was or was not something I was to pay. I was told by a representative OF CHASE that the balance was not a final balance and that it would take a statement cycle for everything on this account to be cleared up and that I need not worry about this balance at this time. So on my advice from A CHASE REPRESENTATIVE I did not make the payment; I waited. Then I notice this month that instead of the balance going away or down it has increased due to a late fee. I called to find out what this was all about and see what was going on. I spoke with an incredibly unhelpful and rude associate and was then transferred to Emily Richie out of the Oklahoma office to see if perhaps she could help me. She listened to my story as I have explained it above and put me on hold to research. She came back and explained the $69 and the late fee and that we are looking at a timing issue here. She then REFUSED to transfer me to her supervisor Chris Bailey. I am furious and deeply sadden. I have been a Chase customer and a RETURNING Chase customer for 10 years now. I have stayed with Chase based on their customer service. Apparently since I fell on hard times and had problems paying my bill I no longer matter as a customer, especially to the credit services department. I was spoken to today like I hadn't paid my bill in years. I worked hard to make sure that I made everything right with Chase and all of my creditors and have done so. It seems, however, that Chase doesn’t t feel it necessary to make things right with their customers.
I would like to have these amounts removed from my account and my balance zero d. I think that these charges are unethical and the method in which they were applied completely goes against everything that Chase has always stood for in a banking partner. Please have someone contact me.

I am still waiting on a response

CUSTOMER SERVICE IS NOT DEPENDABLE. THEIR LIARS.ABOUT PROMOTION DON'T BELIEVE O % APR(bs) THEY WILL STILL CHARGE YOU FOR THE WHOLE YEAR EVENTHOUGH YOU PAID THE PROMOTIONAL RATE AND YOU WRITE TO TO THE CUSTOMER SERVICE, THEY WILL NOT RESPOND TILL YOU GET THE 1 YR INTEREST AND PUT YOU TO COLLECTIONS. DON'T TRUST CHASE.

I contacted HopeNow in November 2008. Every month since Chase has asked me for additional documents. Now I am being told they are overwhelmed. How is this helping people? I believe it to be a scam. I owe less than 1/8th of the value of my home and I now expect Chase will try to get me into foreclosure. What can I do. Pleading doesn't help.

Imposing increases minimum due by 251% or alternately increasing interest rate by 226%

Received a notice of important changes from Chase. As of my June, 2009 statement they are going to raise 'any' open account with a balance now or in the future 'Prime Rate plus 15.99%, which as of March 16, 2009 would be 19.24%'

I can agree to this 'raise' or loose my credit rating by rejecting the change. To quote their notice 'Your card will no longer be available for use for new activity, including purchases, as the account will be closed'.

I have a 2.99% rate for the life of the balance. They are the ones who contacted me and offered me the 2.99%. I certainly did not ask them for it. It was an offer made to me due to my good credit. So if I want to keep in good standing I can accept this outrageous 'offer' or take a hit against my good credit.

I am to feel sorry for 'CHASE' because of the 'market conditions'? I don't think so. I don't remember seeing a bailout check in my mailbox! I am not sure how to protest this. I received another 'notice' from Bank of America. When I called them they confirmed my account will be left open but I will get the higher rate because of the 'economic' conditions for them (this is another ripoff report to be sent). Give me a break.

I would appreciate hearing from anyone who is getting these 'notices' in the mail and what, if anything, can be done about it. I am going to email my state and federal representatives but really have little faith anything will be done by them as they are the ones who allowed the 'market conditions' to occur and also are the ones sending the checks to the banks.