I had a very bad experience with Chase Bank and was wondering if anyone else was ripped off by them.

I took advantage of a 1.9% interest rate for a year. Upon paying my account in full in 11 months imagine my surprise when I got a final bill at 16.99% interest. Seems like they start the year when the promotion campaign starts NOT when you write the check.

Call Customer Service you say? I did and upon asking for the name of a supervisor I could discuss this with, over the phone, I was told I had to write a letter to the corporate office. Like that would get me anywhere.

User beware... stay away from Chase Bank

What you describe is pretty standard - they always say __ interest until __ 2006.

Apparently Chase sems to do the bait and switch quite a bit. And it has nothing to do with the until...catch. They seem to look for a reason to bump up your interest rate to 29.99% and then turn around and say that either "you are now a credit risk" or we saw something in your credit report that says that you have too much credit. What is interesting is that I was only using half of my credit available when that occured yet to them I was a credit risk. What it even more disturbing is that a month later somebody called me from chase to inquire as to why I have a high balance with them (My limit is 21,000 and I had a balance of 11,000). Not to mention that they called me at work to discuss something personal.

What is interesting is that they pulled the same trick on a business account which is under a corporate name and nothing to do with my name. It was on a Bank One account which they bought over and started the 29.99% rate tricks. These guys are very shady and I really do not know what separates Chase from a loan shark. How could this be legal (apparently the fine print on the amendments you receive in the mail allow them to change rules as they go)? What is surprising is that a class action lawsuit has yet to appear in the horizon. As the economy is slowing down and people miss payments or use more credit than usual, these guys will have a field day!

BTW, their customer service is for the birds...Basically they are live answering systems that read the appropriate script and then tell you that there is nothing for them to do.

I have made it one of my missions to take away at least a customer a week from them by either discouraging them to use Chase or recommend them a better place to get a card. These guys are bad news... STAY AWAY

I had two accounts with Citibank prior to the merger. I was never late and I paid ontime for more than 4 years. One day my APR jumped to 27+ percent. I couldn't believe it...I got the run around and paid the one account off. The day that I closed the account my second account jumped to 27+ percent.

I've reviewed my bureau report and there is nothing negative.

Chase can rip me off today but I'll never bank with them again. Even my mortage requires that it never be sold to Chase Bank or an affiliate of Chase Bank.

I don't have enough time or space to relate all of the egregious behavior on the part of this cabal of scoundrels. But here is an excerpt from a letter I'm about to post that may give you some idea:

"Regarding: Your Letter of 10/06 received 17 October 2006

Dear Chase,

You are without a doubt the most dysfunctional bank I have ever encountered or imagined could exist, unless functionality is defined as lying, cheating, stealing, and raising the blood pressure of your customers and former customers.

Almost a year ago, on this account 5490 XXXX XXXX XXXX, and despite an exemplary and lengthy payment history with Chase, you proposed to raise my rates and I instructed you to close the account (see the enclosed copy of the letter to you dated 17 November 2005 sent at that time). Since then I have faithfully made payments on the balance. Now I receive a letter stating that you are going to raise the rates---on a closed account! Of course I do not accept the changes! How dare you!! Who is the moron who manages these communications?

I am already seriously contemplating a series of legal actions, to which this latest missive adds momentum, based on the extraordinarily poor service given me in connection with three other accounts, all of which I have closed. For example, I still continue to be charged an excessive rate on another account I closed before the specified deadline, and three phone calls have produced no explanation as to why, despite your being able to note and abide by my instructions to close the account (as noted closed on the next statement) the exorbitantly higher rate (or something essentially the same as the proposed rate) went into effect anyway!---all I have been told is that it could take two or more months to revert to the prior rate. Your people also could not tell me whether or not the excess interest would eventually be credited back. It has now taken three months and no sign of change, and no letter explaining what is going on (which I was also told I was supposed to have received). One idiot told me that I should have called you, and that then the higher rate wouldn’t have gone into effect, despite the clear language in the initial letter from you stating that only a written communication would be recognized and effective!

You can, by the way, also rest assured that I am doing everything within my power to spread the word about you and your policies! I am relating my experiences to any and all with the patience to listen, and have described, factually and without any need for embellishment, your despicable performance and evident policies in many places already, including chatrooms and forums frequented by many. ..."

BEWARE OF THESE BASTARDS. They richly deserve to fail. Tell your friends.

I have to agree - Chase should fail. I had been a 40 year card holder and had a disagreement - you cannot get to talk to anyone who has any authority. Write a letter to corporate - where the hell do you get the address. The reps on the phone have no idea where that is. I canceled 2 accounts with them and they could have cared less even after I explained to a supervisor why. It was a matter of $25 fee that was in dispute. I did write a letter to customer service and received a form letter back with information that didn't pertain
It is very obvious that Chase does not care about its customers. It would be gratifying to see them topple

I had a credit card with Bank One for over 20 years. When they merged with Chase, Chase decided that my low interest rate card should go to 25% interest. I have been a good customer and pay on time. When I called Chase I was told it was due to a review of my credit report (there are no negatives on my credit report) but that I have too much outstanding debt. I pointed out that raising my interest rate and thereby the monthly minimum would not get that paid off faster. I was told that wasn't Chase's problem. I moved as much as I could off of that card and will never use it again once it is paid off. Oh, and the nasty young woman I talked to said some of my debt should be secured, that I should get a home mortgage with Chase..Um NEVER!!!!

Chase is a greedy organization.

After speaking with a friend who has been suing the local Bar Association and another attorney, I decided to shy away a bit from language that, if things go to suit, might be considered profane or inflammatory (he's been called down in court for using the word "h*ll" in one communication!). I also realized that with their potentially very limited attention span they might claim to have missed my explicit instructions, namely that I was NOT accepting the raise in rate on a closed account. Here is an excerpt of the slightly cooler-headed letter to be mailed today:

"...Almost a year ago, on account 5490 XXYZ XXYZ XXYZ, and despite an exemplary and lengthy payment history with Chase, you proposed to raise my rates and I instructed you to close the account (see the enclosed copy of the letter to you dated 17 November 2005 sent at that time). This was done immediately, and the interest rate in effect stayed the same, also immediately (something you now seem incapable of doing on other accounts I have closed). Since then I have faithfully made payments on the balance.

Now I receive a letter stating that you are going to raise the rates---on a closed account! Of course I do not accept the changes!

How dare you!! Who is the moron who manages these communications? Or is this fully conscious and intentional? Are you actually going to attempt to raise rates on accounts that have been closed and on which payments have been made faithfully since? This has to be illegal!!


I trust you can straighten out this latest affront. I can hardly be the only person affected by this latest blunder (or worse, intentional policy). ..."

I was tempted to include, after "This has to be illegal" the words "no matter how many members of Congress you've bought", but discretion prevailed.

Of course these people realize they are in trouble. Their profits soared recently, but it was due to investment banking wheeling and dealing---the fact is their mortgage and unsecured lending is said to be the worst in the industry, and as the house of cards is teetering on collapse they are scrambling to do damage control. The defaults and foreclosures are rising and this is likely to accelerate, barring some truly miraculous developments.

I have read all of the posts in regard to CHASE BANK. I too have had all of the above...increased APR for no reason, customer service that is a JOKE, written long letters only to receive a canned response that did not even address what I wrote! I had actually shed tears over what they had done to me and my credit status. I was such a good customer though that I had a $34,000 credit limit!!!! Not that I was anywhere near that, it just amazes me that they can put people in that high of debt. I have NEVER in my life dealt with a company like this. I researched the intermet looking for help. I came across a website for a federal agency, Comptroller of the Currency Administrator of National Banks. Seach for that website and choose Consumer Complaints and Assistance. They have a complaint form that you can download. I wrote them, attached all of my letters and responses, copies of statements etc..I faxed everything in and within 48 hours I received a call from the "CHASE EXECUTIVE OFFICES". Well, now...don't you know that they fixed everything as a result of my complaint. I was told that they would correct my APR'S, reinstate my promotional APR'S, gave me credit back for all of the RIDICULOUS finance charges they had charged me. At one point they had me owing a monthly payment of $800.00; unbelievable. Mind you, it took 3 complaints to the OCC to have it done correctly. Seems even with special treatment, they still managed to mess up my account.
If you are in the same bind, write the above agency. That is the only place short of going to a consumer reporter on TV where you can get help!!! My account is also closed...and I can't wait for the day when I can pay them off once and for all!!!!!

There is a class action suit against Chase www.braunlawgroup.com

I would like to echo the need for a class action suit against Chase Bank for their business practices. I ordered a low interest card with a cash back option but now they seem to have no recollection that it was a cash back card. I changed from another Chase card with a $20K spending limit to a new Chase card with only a $7K limit based on their 0% transfer which was not honored because it involved transfer from one Chase Bank card to another. Then they failed to cancel my $20K credit limit card after being requested to do so. When I ran my other credit card up to $7K, mostly for work-related items, I requested a $1K increase in the limit after finally getting them to cancel my $20K card. Chase refused because they could charge me an over-limit fee and responded my credit debt was too high. In their response they accidently left internal memo information indicating I was not considered a client of high importance. I immediately recieved another $7.5K limit credit card from another bank in minutes over the internet and got a copy of my credit and found it to be in good standing. Chase makes their money by screwing over multitudes of small "unimportant clients" with fees using false offers to lure them in.

CHASE is a scavenger who preys on the common man. I had been a long time customer of Bank One with an interest rate of 8.99% on a credit card with a very high limit. Those bastards raised my rate over night to a whopping 21.99%. I immediately paid them off in full -I guess their computer model didn't see that coming-and cancelled the card. I did however get another card via my credit union and they for some reason gave me an 9.9 percent interest rate right off the bat I guess they didn't see what CHASE saw-$$ signs!. I have only one credit card no car payments and have one mortgage which I have never been late on. To make matters worst in the 60 day period Chase takes to close to close my card out completely they raised my limit again and sent me checks -because I am a valued customer. Hey Chase, value this!..God hates greedy

I had a mortgage with Bank One.. all was well. Then I was changed... I started sending 1/4 of my monthly payment to Chase every week. After about 3 months I realized they were sending back 3 of the 4 payments every month. Obvioulsy you cant make more than one payment a month. ?!?!?! What kind of policy is that??!!??! And why wasnt it explained to me?! Well turns out, they decided to start foreclosure proceedings because of the past due amounts. So in addition to oweing 3 months mortgage payments (which I had because they were just returned to my account) they added an additional 1700$ in Lawyer fees. When I called to explain myself, they werent interested in making arrangement to bring the account current, they wanted the ENTIRE amount (Lawyer fees included) immediately to stop foreclosure proceedings. I admit a certain amount of ignorance in not paying attention to the fact the money was being sent back to my account. But this account was strickly for paying this mortgage and my car note. I never look into it, because it it pays the bills for me, and I only keep what I need to pay the bills in it! Needless to say, I'm shopping for another bank to hold my Mortgage.

I had a Chase Visa card that I canceled because I did not trust a car dealer who got the card number in a transaction.

You know when you return merchandise sometimes to a store like Target or an online store, the merchant simply credited the charge back to the credit card number that was used to purchase the merchandise. Well, two credits went to the canceled card number that NEVER appeared anywhere on my statements. That was a $40 ripoff from Chase Bank, even after all the phone calls and written postal mails from me.

In another case of ripoff by Chase, in March 2006, I moved my IRA money from Chase to Fidelity as a trustee to trustee transfer, i.e. a direct transfer from Chase to Fidelity, and guess what, Chase charged me a $50 FEE to withdraw my IRA money!!! Of course when you open an IRA with Chase, nowhere on their Web page says anything about a fifty dollar fee to withdraw your IRA money later.

I now avoid Chase Bank like a plague.

bump

Hello,
Thank you for your information.One thing I'm not clear about: you refer to the Comptroller of the Currency Administrator of National Banks and also to the OCC. What is the OCC?

I just fell victim to this apr raise as well. Talked to customer servers rep on phone yesterday, nothing they could do. Went into CHASE tonight to talk to personal banker who called someone - nothing they could do. Called again when I got home - they insist I got this letter in the mail. I NEVER got this letter. It wasn't certified? What if the post office lost it? I had no chance to cancel. Why would I not cancel if I new about it??!?

Now I have to go back into Chase tomorrow to talk to the personal banker and take out all of my money and cancel all of my accounts AND setup all my direct deposits and withdrawals with someone else. NIGHTMARE!!!!

I just thought this would be an isolated case. Very surprised to see I found this Epinion so quickly.

Since June, Chase Bank has charged my checking account $150 for "insufficient funds" although I had plenty of money in the bank; a monthly "software maintenance fee" of $9.95 although I never signed up for the service; and a $22 fee when the bank closed my accounts because I complained too much about the other illicit fees.

In July, I sued the bank and now I have added a racketeering claim under Wisconsin statutes.

If you have been ripped off by Chase Bank, please contact me at geoff@shorewoodvillage.com

I've had an on-going experience with Chase. I've been a Chase customer for 19 years. That sort of thing means nothing to Chase as others have noted. My credit limit is pretty high with Chase, as well. I've always found it a bit confounding how Chase finds you credit worthy to keep raising your credit limit, but then tags you a risk in order to raise your apr. This company is a contradiction in so many ways. ANYWAY, my specific caseS started to occur after making large payments to Chase. I find this fairly unpalatable. Why would someone - a credit risk - make thousands of dollars worth of payments over a few months? If he/she were going to claim bankruptcy or something. I would stop paying Chase altogether. I mean, I could keep my money AND stop paying them anything. Why would legitimate credit risks give Chase money - let alone large chunks of it? You're a credit risk for paying off your card faster than they want you to? Why are customers penalized for making payments? Of course, we know the answer. They fear losing interest money, so they want to get as much from you as they can before you get out. The credit risk crud is just a smoke-screen (legal loophole?) to steal money from you while they still have you to steal from. My question is WHY is this practice not illegal? It's fraudulent at best. I'll be saying goodbye to Chase shortly.

THESE ARE THE SNEAKY ANNOUNCEMENTS. They are sometimes folded in with the special offer for a rhinestone ring for 4 easy payments of $19.99. Or worse, they come in a shiny folder that looks like another offer for something or other. This thing is so underhanded that you can look at it for five minutes and you can't find the word CHASE. It has a return address in Delaware. That's vampire paradise. One of the few states that allows usury. It has the last four numbers of your card but it appears to be part of a mailing that is not complete. It's purposely confusing so that you will not act and just get a bill with the higher rate and then it's sealed in stone. Why there is no action on them yet? I think we are all aware of what is going on. Just too scared to think it can really be happening.
Remember, they never get nailed for luring people into the web and entrapping them. Why don't they do a show on this instead of debt reduction? Maybe Oprah needs to take this one on.
It's awful. PS The person who is answering your call is a miserable meanie.

We've had numerous problems wiht Chase in the past that I won't even go into here.

My husband has a Chase Mastercard. It is mainly our emergency go to card so we pay it off as soon as we can.

We paid the entire balance off a year ago (Jan 06)after carrying a balance that was close to the credit limit for a about 7 months. Shortly after paying the card off we charged on it and paid it in full every month. No problems.

Then we had some unexpected car repair expenses 2 months in a row and the balance went up...so did his interest rate. OK fine. Our credit overall has a low score so it was kind of understandable. To our credit, in the past 2 years we have never been late on this card or any others for that matter.

My husband is active duty military and deployed in August. In November I took his deployment pay and paid off most of the bill for him. In December I only had about $75 left to pay and did.

Here's the kicker...I get the bill statement this month for January. Of course it has a 0 balance BUT the interest rate went UP to almost 83%!!!! OMG!! What a way to treat a customer in good standing.

This just seals the deal that I will never use JP Morgan/Chase EVER again for anything. After all the torubles we've had with them most of which were not our fault, my family too has cancelled or at least quit using their Chase managed products.

Everyone should check the amount of interest against the effective annual interest rate reported by Chase. They have dishonest policies which I haven't seen in other credit cards.
I found that my actual annualized interest rate was sometimes as much as 2x what they reported.

This was without any unusual circumstances, such as cash advances or special deals, or transfers.

I reported them to the BBB.

Goodbye Chase. You raised our 7.9% rate to 22.24%. Told us we were a credit risk. This despite not ONE delinquent monthly payment and always above the minimum. Even paid $1000 extra recently.
You told us today (2-16-07) that you let us know in December, even gave us the exact date. It was included in the 17,000 word disclosure treatise, in print so small my eyeglasses raised the white flag. We do our banking with you on-line and I'm guessing you know that. Do you think you might have noted that on our on-line statement page?
We're paying you off tonight. Saying goodbye. But you won't be forgotten. Any opportunity that presents itself will find us sharing the relief we feel that this ride is over.

Man, that's terrible! I have taken advantage of a lot of those 0% balance transfers over the past several years and haven't had any trouble, but it's something that I'll certainly keep in mind -- thanks!

By the way, I came across a decent personal finance blog and it has some decent reading on credit card debt: musings on personal finance

I got an offer from CHASE USA to bring all my other card balances to them for 12% for 12 months. I did and within a month the rate was raised to 27%, then to 29%

I called them and basically they blew me off. I refued to pay until they honored their agreement. On my other CHASE CARD I paid the balance off after a phone call for the total. I got a bill within a week showing a $4.00 balance.

I sent in the $4.00 but before it got there they charged me a $39 late fee. I called them and again was told basically...."too bad".

I again refused to pay their extortion and demanded they remove the late charge. The next month they charged another "late fee of $39.00" AND an additonal "renewal fee" of $29.00. I told them I would honor my commitment but refused to be ripped off....

They let the late charges run up on the $4.00 credit card ballance to over $400 then added it to the other bill of $3000....for a CHASE USA total of ... $9314.65.

Then they filled a judgement against me. A credit card with a $3000 limit, and another with a $4.00 balance became a $9314.65 Judgement.

Previously the people at Chase told me they wouldn't take off the unfair late charges nor would they lower the rate to honor their agreement. They sent me an offer and I called them. When I asked if I pay this offer will everything be removed from my credit report. They said no, it was already charged off.

Apparently, CHASE USA charges off the credit card amount after they run it up as far as they can with late fees. Then they sell it to some attorney for collection.

You get screwed by CHASE, they trash your credit report, then they turn you over to some shyster low-life attorney who files a judgement against you. You get burned all the way down the line. If you get the right person they'll admit even if you pay it off they won't remove it off your credit report.

STAY AWAY FROM CHASE USA

TOM

I have had a similar experience with Chase. I missed a payment (first time in four years doing business with them)due to not receiving it in the mail. The interest jumped to 29.99%. I know that that is in the agreement however when I called to speak to somebody I kept getting misinformation and the run around. They have the worst customer service operation I ever experienced. They are rude people and the CEO of this company should be ashamed of what is going on. I would gladly go on National TV to tell my story.
I will be sure to tell at least one person each day about my bad experience.

Today, Wednesday, March 7th, the U.S. Senate will host the CEOs of Chase, Citi and Bank of America. Let's hope it's not all talk.

I am a broke college kid. Most of my cash goes in the account, and right back out. Last year, I opened an account with Chase bank, because they're nationwide, and because of Hurricane Katrina, my mom couldn't withdraw money from her local bank in New Orleans, LA. I deposited $500 immediately into the account, and shortly thereafter (a couple of months) was down to under $50. Back in school, I began noticing several charges appearing, stuff like "processing fee." Usually, when my account got low, they'd charge a "processing fee" that would zero my account out. Having been fed up with their NSF program, I decide to cancel my account, and sign on with my mom's bank. Within 20 minutes of cancelling my account, I received 2 text messages exclaiming that my now-nonexistent account is severely overdrawn. $322.48 in overdraft fees within 2 days.

Called in several times to customer service, all with an attitude and a mysterious inability to provide any explanation.

Went to the local branch and almost had security called on me because the customer service manager pushed me to become belligerent. I eventually had to pay the $322, should've paid a lawyer.

I moved cross-country from Chicago to LA over one weekend. I made a deposit late on a Friday night to my account that more than covered the moving expenses.

Without this deposit, I would not have had enough for this move, but such is the nature of setting up a crosscountry move when you live check to check.

During said weekend, I used my debit card for all of my gas and motel purchases, and kept all of my receipts. I was not denied for 13 different charges to my checking account.

Monday morning, when I arrived in LA, I checked my balance, and the records showed my account to be accurate with my receipts and records. The next day, I attempted to make a small purchase at a local retailer, only to have my debit card declined.

I found out that I was into Chase for $225, with 13 different $35 charges for each 'overdraw' on my checking account, totalling $455 in fees! That's a combined $680.

They processed my deposit AFTER they processed each and every transaction over the weekend. They then hid behind their 'clearance time' clause when I called them, a phone call that ended with a VERY rude customer service slug yelling 'F--- you!'

I called back, and was transferred almost immediately to their legal department, who stonewalled me with the same argument as the slug... my deposit on Friday evening somehow cleared AFTER all my weekend charges on Saturday and Sunday.

This clause is more or less a catch-all for when they feel like charging fees to people who haven't been profitable enough for them. What's worse, there are no Chase banks in LA, so the phone was my ONLY way to communicate with these yet-to-be-convicted criminals.

The most disgusting thing about this, though, is that I had to pay it. These people have power over my credit and actively used shady legal tricks to avoid accountability.

There's something wrong with a system that allows banks to hold consumers accountable for false clerical offenses, but doesn't allow consumers to hold a bank accountable for genuine crimes that ruin lives.

Sickening...

I JUST got off the phone with Chase customer service trying to get my complete pay-off so that I can do away with them completely and I asked to be explained exactly how I was being assessed finance charges. The rude idiot of a CSR tells me they can't explain it. She tells me was I was assessed last month and that it was being assessed daily but could not give me the 'How' it is calculated. I asked for an exact algorithm. Or to speak to someone who CAN explain it to me.

It's enough they bumped my rate to 29.99% but now they can't even explain to me how they calculate my finance charges... This has got to be illegal! I explain that I am trying to pay it off today - she tells me I can overpay them to be safe! WTF!!!!!!! I'm currently being assessed over $300 a month right now and they can't explain to me HOW they get that number!!! What can I do? Who can I talk to?

I am right there with you re: Chase, its credit card practices, customer service, etc.!

Won't bore you with details -- let's just say that in spite of my paying more than the minimum per month regularly, in Jan '06 they more than doubled my interest rate which more than doubled my monthly payments!!!! You can well imagine the hardship this imposed! And NOTHING I said, did, wrote, or stated firmly made a difference. They would NOT budge on their stance that I was a credit risk!!! [how much of a risk is it to pay on time, and more than the minimum??????? -- sheesh]
Another thing: when my husband died, he had three cards with Chase!!! -- all in his name - two with zero balance, one with a substantial balance -- Chase attempted to dun me for the charges although the majority of them preceded our marriage and there was no estate because he died suddenly and unexpectedly and we were totally unprepared financially........it took many phone calls and two letters before they backed off. Additionally they "manufactured" charges on the other two cards and it took more letters and threats of legal action to get them to back off!

In the end, since I was getting stone-walled in getting credit cards in my name due to the snafu over his leaving no estate and thus open debt, I reluctantly agreed to pay off the balance if they would put the card in my name. Naturally they did this willingly [they wanted their money regardless] -- additionally they re-issued another of his zero balance cards in my name. THEN I discovered, to my dismay, when they merged with whomever it was they merged with, that the one credit card I had in my name was now a Chase card!!!! -- fortunately the low interest rate on that one stayed the same and I was able to use the card sparingly, paying it off regularly, thus avoiding that humungous interest that the other Chase cards charged! [Personally I've found it ridiculous that credit cards have become so important to our lives -- they are nothing but trouble for the most part - witness what we've all experienced with Chase! I do, however, like the debit card but then I do the majority of my banking with a credit union rather than someone like Chase!]

One of the letters I wrote Chase was to one of their Vice Presidents - you know the name and title listed on the bottom of all those "offerings you can't refuse" letters they send out? That particular letter was VERY politely scathing - quoting customer service rep's attitudes, exact conversations, etc.........doubt it accomplished anything with Chase, but it sure helped me feel better!!!

Last year, just before their merger, I applied for and received a home equity loan from Chase --- which enabled me to pay off the two major credit cards -- but it was one of those ARM's and in spite of switching to a fixed rate last summer, I continue to get nasty calls from them claiming I owe more than I do --- this situation remains problematic to this day - in spite of countless calls, a couple of more letters, etc.

Chase and the other major financial institutions who are charging excessive interest and finding sneaky ways to wring more moeny from us, are very similar to the usurers of the past.

With the changes in our economy, I shudder to think of what will happen next!!!!

There is something just downright dishonest in what Chase bank is doing to bring people in. They are advertising their cards to be used in ATM's but they ABSOLUTELY don't tell you about the $10 service fee that they will stick you with after you've done it a couple of times (and accumulated $30 in fees) of course, by that time they couldn't care less if you close your account.

FIND A DIFFERENT CREDIT CARD COMPANY... Chase is crooked.

I too have a complaint with Chase and would like to send a letter to the Corporate Office to try and resolve. Does anyone know what the Corporate mailing Address is? What about a phone number and/or e-mail. I got lost in all of their webpages so I figured I would try another way to get help.

After reading the complaints listed on this website, I don't expect much success but I would like to give them the benefit of the doubt and see how far I get with them.
One of my counter options is if they will research and resolve my complaint, I will not repeat my issue to anyone else or post any opinion on the Internet.

Please advice As soon as possible and Wish me luck.

I'm wondering if anyone else suspects that Chase purposely fails to send bills once in a while. For the second time in the past year, I've received a bill from Chase indicating that the last month's bill is overdue. Of course, there is a finance charge. My wife and I are very careful to always pay our bills on time. We have a few credit cards, but we have almost never carried a balance on any of them (never on the Chase card), paying everything off each month. I use my Chase card for business, so my wife (who manages our finances) doesn't go through each item on that bill herself, but when it arrives, she is careful to note the amount due and the due date and to pass it on to me. We are so careful that in over 13 years of marriage we have never missed a payment on any sort of bill for any reason. Twice in one year, however, we have missed payments to Chase because we never received a bill. Of course, we cannot prove that they did not send us one, but knowing their reputation and our history, I have good reason to be suspicious. It seems to me that they've done this because we always pay everything off each month and they want to make sure they get at least some money out of us. I'd like to keep this card because it's tied into a deal with Amazon where I get points for books, but I might cancel it anyway. Of course, we'll now be more careful to note if no bill arrives from Chase, but for now, I'd like to know if anyone else has had the same experience and shares the same suspicion.

I have been a chase credit card holder for a long time, and recently had a huge falling out with them. I warn you that there company, Chase doesn't honor their commitments, offers special financing and then doesn't honor the APR rate and hits you with a huge finance charge. The deceptive part is that we called them while a vendor was processing the card and they okd a purchase and then hit us with a huge increase because we were overlimit. Unbelievable. I will never do business with them again. I am very happy with American Express and Discover and when I was late with a payment with them, they were very forgiving. Please don't use chase.
Jeff K.
Teacher and Coach.

I recently found out that chase is taking me for alot of damage to my personal credit of which i make my living off of as a reale estate investor ..Chase reported a late payment to my credit my scores fell froo the mid 700's to a 611 credit score not to mention the 29.99 interest rate , i have diputed the several times and cannot get this resolved....Would anyone on this forum have a copy of one of chase's letter removing lates to a credit report....not that i would need it for anything... :)...bmoore584@yahoo.com Thanks

I, too have experienced Chase Bank's wonderful customer service representatives, with their extensive knowledge of cue cards (LOL). I recently closed two zero interest accounts not realizing that the introduction rate had expired and was subject to massive interest payment. That really is my own fault, not the banks. But what is sneaky they is the trailing interest.

When I called to closed the account, I inquired asked for the final balance. They couldn't tell me exactly because the amount was calculated daily. I asked 'what if I'm leaving the country and want to closed the account, and am not able to return or reply to future communications - like if I was to go to Iraq and circumstances prevented my return... 'sorry the Chase Bank can't tell you the amount owed until the end of the billing cycle.'

Even a blinking loan shark can tell you what you owe tomorrow, and come the day after he's your uncle, willing to lend you more. But Chase doesn't have the computational resources available to calculate that!

So, just to spin their wheels, I figured I'd settle the final bill of $8 USD in a way to cause pain: I went to one teller with a handful of pennies; to three others with three separate checks; and then made an online transaction with a 0.03 overpayment (originally I was going to write 50 checks, but felt bad for the tellers).

And so I am owed a refund check! The way I figure, each transction and paper costs them something. In the end I get some personal satisfaction by spinning their wheels and shuffling paper around. When I receive the check, I'll waste more of the bank's time I will ask the local branch manager to cash it eventhough I don't have an account...

I had the same thing happen to me kevdurden...their online banking is very inaccurate...the amount available in your account fluctuates in diff times of the day resulting in NSF...I went to a chase bank yesterday and found out they have ripped me off $4,000 in NSF over the past 12 months..thats not right and Does anyone know if there's a class action lawsuit goin on for this?

My wife and I did a balance transfer of 8,000.00 for 1 year at a 0% interest rate. For the first few months everything was fine. Then we get there statement saying we were late 1 day on our payment and they removed us off the special rate of 0% to a 8.99. My wife and i have never made a late payment ever. They may have posted it late, but we were not. We think that they do this randomly to other people so they can charge you with late charges and higher interest payments. This is how they make there money. This is against the law. They should be shut down! We're contacting the state attorney generals office, the better business bureau, and whoever else we can think of, and filing a major complaint against them. CHASE is a bad risk! Don't ever do business with crooks as they'll rob you blind!!! The CEO Jaime Dimon should be ashamed to be running a den of thieves!!

Don't accept a credit card with Chase Bank...I had one for over 3 years and never paid late. All of a sudden they popped my rate up to 24%. The worst part about this was for over 4.5 months they lied to me and said they were going to re-price my account back down to the original 7.99% I had to beging with.

It's one thing to increase the rate, which they can do if they want to, however, shame on them when they train their employees to decieve their customers.

Shame on you, Chase Bank.

I have also had my APR raised to 29.99%. I am a part-time student and opened this account in August 2005. It seemed like a great opportunity for me to establish credit, and the APR for purchases was 0.00% for an extended period of time. In October 2006, the APR was set at 7.99% which I felt was reasonable. However, shortly thereafter I was late with a payment (truly did not receive a statement this month and got screwed up). Anyway, my APR got raised immediately to 29.99% and all the calling did nothing. I was actually told by one moron that this 29.99% would remain until the balance is paid in full! I owe $2,000.

Everyone needs to file a formal complaint. I did recently and received a letter back within a week or so. Go online to Google or whatever and search Comptroller of the Currency Administrator of Nation Banks. Follow the instructions regarding formal complaints, download the form, fill it out and mail with attached documents, etc. They will open a case, send you a case # and they say they will review the information and inform you of their decision. We'll see. It's worth a shot.

I have done this for both my Chase accounts (2nd one is Disney account) because that one also was raised to 27.99% for no reason at all. I have not received an acknowledgement letter yet, but it's only about a week.

File the complaints, there's nothing to lose.

The exact same thing happened to me. I made an electronic payment to Chase from my Wells Fargo Checking account. Wells Fargo assures me that the payment arrived on the due date of Saturday May 12th. Chase claims they did not receive it until Monday the 14th. After 3 calls to their customer service and speaking to so-called managers they refuse to remove the $39 late fee and return my 0.0% rate. I then closed all 3 of my Chase credit cards and they didn't even bat an eye. I will also be closing my Chase Equity Loan. This bank is despicible. How do these customer service reps at Chase even sleep at night?

Want to get back at Chase? I am going through the same thing. My interest rate just went up to 29% and I did everything by the book! One way I plan to get some satisfaction, after I pay off the account tomorrow, is to take a gym membership fee I currently pay for $15.oo a month and switch it to this card. Set up an automatic payment to go out to them for $15.00 a month. What this will cost them in processing fees will far outway any profit they could make. They can send me paper statements and pay postage and processing forever!

What goes around comes around!

I hate chase bank I have been with them for over a year now and more than once have they overcharged me for overdrafting but they offer absoulty no overdraft protection. It happens every once in a while. Well i'm so use to using my debit card, about a week ago I went to the store and I only had like 5$ in my bank account but out of insinct I used my card and overdrafted. Well I was mad at myself b/c I thought it was gonna be like a 35$ charge. Well I got over it and when i got paid they took out 50$ then 3 days later took out another 70$ what the ufkc. I don't have much money and they are just stealing it all. Of course it's Sunday so I can't call them. Does anyone know of a good bank that is honest b/c I know that tomorrow when I call them they are gonna come up with so stupid reason why they stole my money I done with them.

I too have had a more than sour experience with Chase Bank. I am a victim of ID theft and whoever has my ID has gotten a Chase credit card. When I reported this action as fraudulent, I was told it would be taken care of. I reported the incident to the police and did all the necessary hoop jumping to clear it up. When I checked my report recently the account is still there and now has a 4300.00 debt from these people. I called Chase’s fraud dept. back and they told me I faxed a form stating I am responsible for the account. I did no such thing. I was then basically told to either get a lawyer and fight it, or pay up. This company is nothing short of mobsters. I am waiting for the day that someone takes them to court for extortion and racketeering. This issue is still not resolved and now I have to go through the same procedure to clear up this issue on my credit report. I really hope there is some sort of class action suit against these people, because there business practices are simply criminal.

I have a mortgage through Chase Bank and when my husband and I separated he had not paid the mortgage for 3 months. I tried to work with Chase, once I received power of attorney over the property, to get the loan caught up. They have repeatedly called me and told me they want payment and a half or payment and a third which I don't have being a single mother of two with a husband who is incarcerated. I made payments to them beginning January 2007 in the amount of $550 (my mortgage is $450). They recently called me and told me if I didn't make a second payment in July 2007 they will foreclose and any payments made after July 31 would not be accepted it would be returned.

I have tried every good faith effort to work with Chase on this issue and was told they did not care if they lost my business there are millions of others who will do business with their company. I even asked for their corporate office number when I was told they would rather foreclose on my house and sell it for $10,000 than add the payments to the end of my loan and get the full amount they are owed and was told Chase does not have a corporate office.

I am currently looking to have my accounts closed through chase and have my loan taken over by Century Bank who is more than willing to work with me.

Chase is the worst bank I have ever dealt with and I would not recommend doing business with them in any way.

For those who want it here is the number to Chase Executive Office: 1-800-242-7399 I have called and made a formal complaint about the collections department and about how much I despise their company and they way they do business.

I also expressed my dissatisfaction with their customer service. So here it is guys if enough of us voice our complaints Chase might just change the way they do business.

My first name is David and Chase is Golith. You cannot beat golith if you agree to fight by their terms.

TAKE THEM TO SMALL CLAIMS COURT IT WILL COST YOU LITTLE TIME AND ABOUT $20.00. Where I live, small claims is held evenings (hopefully more convenient for you than for Chase). It is very people friendly you will find that the judge will give you every break and the attorney will be treated as a lower form or life.

Now it is a fight that Chase cannot win. They are local to you so you take them to a local small claims. If, they don't simply give you what you want they need to send an attorney probably from the Texas office.

My loss is above the 2,000 cap in small claims. Yesterday I sent a file to Office of the Comptroller of the Currencies I HOPE THYE WILL HANDLE IT SAVING ME ATTORNEY EXPENSE.

Everyone's words resonate with me - I too have been a victim of the terrible and probably illegal business practices of Chase.

Unknowingly, I signed up for a credit card with them while I was a freshman in college. They had a table of free items and I figured, why not - I make $4 an hour part time at a university job, no moron would give me a card. Well, banking on my parent's money and my financial immaturity, they sent me a card.

Everything went fine for years, I paid my balance off each month. They kept raising my credit. Finally - and I'll admit this is my fault - an evil ex-boyfriend of mine took my card behind my back and made charges on it, and used it to start a business. I still managed the minimum payments.

Then I made the mistake of trying to pay it off. I sent a check for a large amount, and the next month got an over balance fee, a late fee, and my interest rate jacked up to 29.99%. I called and spent a long time on the phone with the rudest and most unhelpful "customer service" rep ("customer service", ha!) who told me that they weren't responsible for the US Mail - so I guess I am, because she wouldn't lift the fees. And by the way, two days after I talked to the representative, the check cleared. I hadn't had a chance to stop it yet. The fees all remained. I guess they wanted more money from me and were determined to get it.

Then I missed a payment since the evil ex was supposed to send it in, which he did not. Thankfully I broke up with him, but the charges remained. They called me every day at work. I sent what I had, but the fees and the interest rate went out of control. After probably thousands of dollars and a new job, I managed to get the overage taken care of, but still had the remaining balance to take care of at t he 29.99% interest rate.

I paid over the minimum for a year, before they canceled being able to pay over the minimum automatically, I guess too many people were getting ahead on their balances. They also made my minimum payment for LESS then the finance charges every month, so even though the account was well closed, I was still putting charges on the card if I just paid automatically - which I felt like I HAD to do because mailing a payment seemed like it failed each time.

I finally, even with the 29.99% interest got it paid off just recently. I am well into my thirties now by the way. Sure enough, even though the balance was 0.00, they charged me $28. I called to see if paying it would really close my account, or if I'm just going to have to pay Chase each month for the rest of my life because I made a bad decision when I was eighteen.

My story isn't the worst that's out there, and there were years of rude customer service calls, and probably well over $2000 of my money they practically stole, I nearly wasn't able to get my house, my credit was ruined, and back when I was trying to bail myself out from all of the fees, there were days I didn't eat, literally. If I had to choose over death and being a Chase customer again, I'd really have to think it over.

Pros: Will make you reconsider in a positive way the customer service of Lefty the Loan Shark.

Cons: All of them, including the kitchen sink.

Actually, compared to many people posting here, Chase was an absolute sweetheart to me. They only lured me in with a nice, low interest rate and then progressively raised it from 4.9% to 14.9% over the span of six months. When I cancelled the account (I was young and foolish), they hiked it to a mere 24.99% as opposed to the 29.99% some people suffer.

If you're a masochist, save yourself the time of calling their Customer Service line and visit Helga's House of Pain instead -- at least you'll deal with professionals plus it will actually cost less in the long run.

Finally, after hundreds if not thousands of dollars, I'm free of them and think that if Congress really wanted to serve the people, they'd stop worrying about warning labels on cigarettes and place a skull-and-cross-bones on Chase credit card offers.

bump

How can we spread the words of this horrible bank around? We must fight them, let everyone know so they do not fall into the same trap!

Hi all,
I think we should spread the news of Chase's bad business. I think each of us should print at least 100 of these posts and hand them out to anyone (if you are college students, It would be even better.) If 100 of us to do so, there will be 100,000 people know about the way Chase is doing business. That is the most practical way to get even at them, and help other people too! Please reply if you agree. All we need is to print out 4-5 pages of the opinion in this thread.

Tomorrow, I will print all the posts of this thread on the bulletin board at every major shopping center, supermarkets for all to see. I am mad as hell! Please join me to bring this corporate monster down to its knee!

bump

I am a physician with a good income, and i have many accounts with chase. and different trust accounts. i opened a 0% credit line with them and was paying 4x my minimum every month and one month before the expiration of my promo i mailed the remaining balance, it didn't clear, so i called chase who assured me the check is FLOATING in the system, when my due date arrived and the check still didn't clear i called again and as told to make a phone payment,which i did, i was also ASSURED that no late payment would be posted to my account and if it did all i had to do is call and they would waive it.

well i did get charged and i did call many rude unprofessional customer basher who would not waive the fee, would not check my confirmation number, would not provied me with corporate number and after being on the phone for 50 minutes told me they cant keep the line open and have to end the conversation.

there must be a law against fraud and unethical banking practices like this.

I have my payroll check directly deposited with Chase bank. I check my balance, my direct deposit is $1400.00 I have a balance of $1180.00. Why? The previous month, I had an authorized withdrawal of $60 that I forgot about. That resulted in a NSF fee of $30. However, transactions that I made before the sixty dollars were debited from my account AFTER the $60 dollar transaction even though I performed them before the $60 transaction was presented. This resulted in four transactions with four NSF fees. So instead of my account being overdrawn $30 (NSF fee on the $60) it was overdrawn $220 (6.60 + 8.40 + 25.00 x NSF fee@ $30 each + NSF fee on the $60. Chase made $190 on a $60 error. Their explanation, we debit the largest amounts first instead of what is presented first. ANYONE ELSE HAVE THIS SITUATION I AM SUING WILL YOU JOIN ME?

I would join you and anyone interested in pursuing a class action law suit against Chase Bank. I have been fighting them for years over the interest rate they charged my credit card. I appealed to the Atty. Gen. in my state (NY) with little result because of the fine print on the contract with Chase. Ultimately, my $150.00 worth of fees tacked on to every payment bill could not be met, my acct. was "sold" to one loan shark after another & now my credit is destroyed -- I am, after 6 years, still getting calls from law firms who buy these defaults & begin tacking their own rates onto them... and the consumer has absolutly no legal rights at all. The truth is that I have the money & can pay it, but I will be damned if I let these theives get away with it. I want to bring them all down publicly & will join anyone who will work with me to do so.

Chase Bank has predatory practices and HORRIBLE Customer Service!! I am in complete shock at the way I was treated with Chase Bank Customer Service Reps-even a "supervisor" who had complete authority to handle my modest request and continue my 5 years of loyal business. I make over $100,000 per year in purchases on their card, generating thousands in merchant fees for them. I always make payments on time and 100% in full, but apparently this makes me an undesirable customer because they can't charge me interest. They randomly changed my billing cycle and due date with no notice and I missed the electronic payment by 1 day. This then justified their unethical policy of charging finance charges for 3 billing cycles between May 31 and September 1 even though the remaining 2 billing cycles were paid in full and on time. When I asked for a measly $76 of PARTIAL finance charges to be waived, the rudeness behind the fake sugary-toned scripted reply was disgusting. When I asked if they were willing to lose my years of business over $76, the supervisor JENNIFER WALLACE in the Oaklahoma office didn't even pause a breath to offer to close my account. I love Southwest Airlines and their flight awards they give for credit card purchases. Chase Bank has a monopoly on being the provider for Southwest Airlines Rapid Rewards customers and other partner companies. Southwest made an excellent name for themselves for premium customer service when the airline industry forgot who their real customers were. It's time we all complain to the partner companies who send their point/rewards programs through this dishonest bank and hurt Chase where it counts.

I used to have 3 Chase credit card, one with United, one that was opened 12 years and another one for 5 years (used to be another credit card provider that Chase bought.) When I had problem with the United/Chase card, I closed down the other two Chase. One of the custom asked why I would close down the card after 12 years, I told her not only my problems, but the problems that many others have encountered and posted in this blog and many others. I have already print out many copies of all the Chase-related blogs
but not have a chance to put them into some bulletin boards in colleges, etc., where Chase preys their new victims.

So, how do we begin a class action law suit? I have all the documentation I need to go after them but want to make this embarrasing for them & hopefully make it a national issue. What Chase bank is doing & getting away with is beyond evil & needs to be stopped. Who knows how to go about this?

check www.www.braunlawgroup.com. This law firm is going after only one of several predatory practices Chase is engaging in. Maybe they would be willing to take on other issues.

"This is a class action on behalf of all consumers who accepted an offer by JPMorgan Chase Bank (“Chase”) to transfer credit balances at favorable interest rates and were subsequently forced to pay much higher rates because their credit reports contained a late payment to a non-Chase creditor. In a classic bait and switch, Chase lured customers into transferring their balances in exchange for very low APRs of interest. Once the transaction was consummated, Chase scrutinized customers’ credit reports for any blemish including a late payment to ANY other creditor. If found, Chase immediately accelerates the interest rate to a usurious amount, often near 500% times what the customer rightfully expected to pay.

Plaintiff alleges that Defendant’s conduct violated California's Unfair Practices Act [California Business & Professions Code §17200, et seq. and §17500, et seq.], and California’s Consumers Legal Remedies Act [California Civil Code §1750, et seq.]. Plaintiff seeks relief for ongoing violations of law."

I have a mortgage through Chase financial. I've always kept my ex-husband's name on my loans because my credit isn't the greatest and he never paid child support. He never came around and I always paid the payments. We were with another company at a fixed rate and my payments were 612.00 a month. One day I received an estimate addressed to him in the mail from Chase for a loan on the house. I called him and asked him what it was about and he said he was thinking about refinancing. They sent something to him at HIS address stating that he was preapproved and could get up to 10,000.00 cash back. The estimate I was looking at was a loan which showed a 120,000.00 ARM loan. I owed 70,000.00 on my house. I told him to forget it. I had recently found out that he had physically and sexually abused my daughter and children's division had issued a no contact order. ( I was denied a restraining order due to a custody order already on file, so I was in the process of modifying that.) He said to think about it, that he really needed the money. I asked him if he even knew what an ARM was. Of course he didn't, I didn't really care because I knew I would have to sign the papers and I had no intentions of doing that. When I refused to go and sign the papers they sent a contractor out with him. He was drunk, I told the man that I didn't want to sign the papers and the man sat there and watched him holding me by the arm and even told me stories of other people he couldn't complete due to liens or conflicts. I never spoke with any one from Chase, on one set of papers it said he paid child support and on the other it said he lived here. At one point he called and said he needed a utility bill with his name on it. I told him he doesn't live here -why would there be a bill here with his name on it. He called back and said never mind they don't need to verify residency. THEY NEVER ONCE SPOKE TO ME. When I tried to cancel the loan they said to send in the papers, I told them he had them and I needed them to send me another set. Well, he was the only one on the loan. Two months later, when he was being questioned about the sexual assault on my daughter he commited suicide. Now, I can't inquire about anything on the loan. I've been here 10 years and I'm looking for a place to live. I make the payments every month on time, but when the ARM goes into effect or if something goes wrong I'm screwed. THEY just did all of this without ever even checking the situation or talking to me (but my name and ssn was on everything) and then they sent someone to my house when he wasn't allowed near me or my children. Now my credit is TOTALLY messed up and I can't get anything in my name. I filed a complaint but they said I signed it in good faith. When he died they said if I send in his death certificate then that will trigger their legal team. I know I should have never had him on the loan in the first place, but I have all the kids medical bills and couldn't qualify for a loan at all. So I just send in the payments each month and wait for them to screw something up or take my house. They won't talk to me about anything - they won't even tell me if I have a late payment or if my payment has been received. My Deed has both of our names on it with rights of survivorship so legally everything should've come to me. They created the deed and still won't acknowledge it. I hope someone takes em down.

didnt you say you had bad credit to begin with. as long as one of the people is on the mortgage that is all that matters. and all they know is what he told them.

theres too many people that dont agree with you. it would never work!! good try though.

So it's ok that I can't inquire about anything on my loan at all??? Yeah one of us is on the loan and he's dead. I'm not crying, I quit crying a long time ago. I just want someone who knows what I can do to save my house. I do have bad credit, I have tons of medical bills from raising my kids by myself for 19 years and one kid that's been in and out of the mental institute 4 times in the last year after her dad did some pretty serious crap to her and then offed himself when he couldn't take the heat anymore. I don't know if I should walk away from this house or if there's a way I can fight for it to save it. I've been working on it for 10 years. And I would think that when a mortgage company gets conflicting information about an applicant they would check it out. THAT's ALL I'M SAYING. I'd think they'd want to talk to both parties before sending someone out to the HOUSE.

You would make an excellent employee for chase. Are you in fact an employee ???? You have that familiar ring to your sarcastic quick, short, answers.

My situation is a little bit different than everyone else. I got my chase bank credit card as a way to build credit so I could finance a new car. Even though I am only 18 I have 2 jobs and I work about 70 hours a week. I live with my parent and only pay about $50 a month to them for bills. I don't have many bills so it seemed like it would be really easy to pay my credit card. I thought I was doing well until July when chase bank called me I was 8 days late on my statement and I had to pay $100 right away cause of late charges. I asked them why I had no statement and why that even though I payed 2 payments already and had only had the card for two months that this happened.I also told them about how I had called a couple of weeks earlier and asked about my statements. I was told that I had payed both times before I was suppose to get my statement that it didn't count. I was also insured that I was getting my statements and that I was just a regular irresponsible 18 year old. Now it is October I have yet to receive one statement and I am always late because my payment date jumps every month. My credit is now totally ruined and I have no way of buying a new car. My jobs are at risk because my car wont last much longer. Even though I pay I am still at a balance of 500, my limit. I've put so much money into late fees and all the other bull and I'm going no where. On the bright side I took classes on general information for law, courts, and a in-depth look on class action lawsuits. I have all my info so if nothing changes I am taking charge, I will not be another victim. If you've had the same problem please contact me. I have been keeping track of similar incidents.

Yes, Chase is the devil incarnate! I just got off the phone with their customer service representative, Vonda, who, after swallowing the food she was obviously eating during the call (very professional) she got very smart with me about my account. I asked her to explain why I could not qualify for an int. rate reduction (I got rate-jacked to their infamous 29.99% due to utilization, not bad credit), she told me that they base the rate on my account activity with Chase. She put me on hold (probably to finish her meal), and when she got back on the phone she told me that they company pulled my credit report in September 2006) and that's why my rate increased. When I reminded her of her initial explanation and told her that I have an excellent payment history with Chase, she got really nasty and said "I also told you that we base it on your credit report. OBVIOUSLY, YOU DIDN'T HEAR ME." I guess in addition to making all of their credit-worthy customers sub-primers, they hire sub-prime help as well.

I finally canceled my 2 checking accounts with Chase. I had these account for 11 years. Chase Bank sucks! If I tell you different stories how they treated me, it would take me 50 pages. In short I took an action and said : "NO MORE".

There is no reason for customers and consumers to keep having business with Bank that don't value business they have with them!

It took me awhile to detach but this was the best ethical decision I have made this month!

I simply don't want to have business with people who clearly disvalue me. It's not the only bank in the world.

Also none of my children ( potential customers ) will have business with Chase. If all unhappy people open accounts with good banks, maybe bad banks like Chase would not be open for much longer.

Because having business with Bank that clearly don't value customers is like bad relationship with a man or woman, in which you are clearly 1) financially used and taken advantage off 2) disvalued and 3) not worth of effort.

This is your money, not theirs, you should be in charge of how things are taking place, they should follow rules and regulations, and if they don't - leave them!!!!!!

Don't wait, just do it you can't possibly make mistake with a bank who don't value you.

Sincerelly,
Anti Chase - Hana

I have a perfect credit history with Chase. I spoke with a Josh B ( Customer Service Agent ) today who threatened a negative report to damage my credit history if I did not answer ALL of his questions as to my reasons for wanting to leave. I said "customer service" but that did not satisfy. He demanded more and refused to close my account. "Ok Josh... It is You".

The "Y'all Come Back"airline that promotes this bank through their frequent flyer program might want to rethink the relationship. You got the LUV, now show it!

I have had the same issue with Chase as many of you did. Rate increases without notice. I have recorded phone conversations with their reps and none of their stories add up. They even threatened me if I publish them on you tube. I am looking to make a documentary as I am a film maker in Los Angeles on Chase and the credit card company. I’m also talking to a lawyer and if anyone else wants to get into a class action lawsuit let me know

Email me at this email chasecreditcards@gmail.com and give me your story on your Chase Credit Card nightmare. I’m looking for credit card stories only not banking issues. I’m looking to make this a very public matter something Chase doesn’t want.

-Dan

Im in talks with a lawyer to file a lawsuit here is my post


I have had the same issue with Chase as many of you did. Rate increases without notice. I have recorded phone conversations with their reps and none of their stories add up. They even threatened me if I publish them on you tube. I am looking to make a documentary as I am a film maker in Los Angeles on Chase and the credit card company. I’m also talking to a lawyer and if anyone else wants to get into a class action lawsuit let me know

Email me at this email chasecreditcards@gmail.com and give me your story on your Chase Credit Card nightmare. I’m looking for credit card stories only not banking issues. I’m looking to make this a very public matter something Chase doesn’t want.

I realise all banking institutions have there fees and charges and hidden percentage rates. I am in MI. and while only at the bank for 4 months we added up all the charges and fees it is over 1200.00..Well today I closed my account. They agreed they were a liability to me instead of a bank..They refused to refund me any fees and said goodbye don't let the door hit ya! Some of these fees were added as ins. funds of 35.00 -40.00 each which is illegal standard . There is a state wide standard for fees and MI. legal limit is 25.00. I called and spoke with them and they told me i was little so sue them..Goodbye to me. I suppose there is not much to do. One day they will get challenged by someone who can afford to get them.

Hello...This is what they thrive on normal people living check to check so they can get everything you don't have and once you start to spiryl down there is no up from it..I am down 1200.00 because of this ..I direct deposit every 2 weeks. They refuse me overdraft protection..My check gets deposited Thursday at Midnight..So Fri. I go pay all my bills for the next two weeks. I found out just today they wait to deposit until midnight Friday and I have been getting charged 35.00 fees on every bill I paid on Friday's. I had a hard time figuring out why my account was always in the neg- Because of this practice. Our checks are drawn from chase so they feel they have this control...I think this is SLIMY!! I closed my account today!!! They SUCKED as BANK ONE but worse now...

My mom is getting ripped off by chase bank and now she can't pay her bills anymore. They have charged her so much money in late fees that she has used everything she has to cover them. My mom is 70 years old and is alone after 50 years of being with my father who passed away 2 years ago. I have had to send her money to cover her bills because she has $9.00 in the bank after they charged her account for all kinds of fees. She is getting hit for NSF fees from $70.00 to $105.00 per check they say their covering. I told my mom to get copies of every transaction for the past year and copies of all her checks front and back so I can audit her account to see what's going on. She shows to have money in the bank, but yet they keep telling her she has all these fees. Do you know if there is a class action suit with Chase Bank over this or where I can go to find out? I am desperate for information on this. My mom can't live on her own anymore because of Chase Bank and I am fed up with them. She is in poor health and still has to work a full time job and still can't make ends meet. Something has to give. She is in Arizona and I am in Texas trying to deal with all this. Can you please help me???

Hi,
Chase has charged me with almost $500 in insufficient fees, although I had made a deposit to cover the checks. I found out that my deposit was held.
I went to the bank and was told that the head of the small business department would get in touch with me. Of course, he never did. I work from 8:30 am to 6:00 pm, so I have to wait until Saturday to go back and complain. I feel ROBBED!!!
Yesterday I decided to look on the internet, so I typed -

illegal insufficient funds fee Chase

I am shocked by the posts I am finding.

Good Luck,
I will keep you posted as to my progess with Chase.
Ms. Kate

I have had so many problems with Chase that I have asked for all 3 of my accounts to be closed. A few months ago I paid the balances via balance transfer for the two Chase cards that had balances owing, using a new card from my primary bank, US Bank. One of the transfers was posted to the account, but the other was returned to US Bank. When I called Chase to inquire, they refused to even look at my statement from US Bank clearly showing that both transfers were made until I settled the account (which because of the returned transfer was now late).
I physically went to US Bank and was told that they had received one of the transfers back from Chase uncashed. The manager not only issed a new transfer, but he wrote Chase a letter detailing the events and confirming that the payment was made in a timely manner and that Chase had given no reason for returning the check. The account was paid and I sent Chase a copy of my US Bank statement showing both original drafts sent directly from the bank on the same day and a copy of the manager's letter confirming that Chase had returned one payment without reason.
Chase has now refused to correct their mistake and claims that they do not know why they returned the check...gee, how convenient! They refuse to take responsibility for their actions and are charging me late fees and interest because of their poor accounting practices!
I would never do business with them again!

I just had a very unpleasant experience with a teller at the Chase branch on Park Avenue and 52nd street in Manhattan.

I got reimbursed for some $$$ that I laid out at work so, rather than depositing in my checking and then paying the card I wanted to just pay the card with the check. I've done it before so I know it's not an unreasonable request.

I told the cashier (and, granted, I know I wasn't clear) 'l'd like to put this against my credit card'

She said 'you can't cash a check against your credit card. Do you have an account with us?' I said 'no I don't want to cash the check I want to pay my credit card with it' she said 'oh so you want to pay it TOWARD your credit card..you should have said pay it TOWARD the card.' I didn't say anything and when she finished the transaction she held onto my card and the slip and said 'PAY IT TOWARD...PAY IT TOWARD' LOUDLY.. I was really humiliated. There was a long line of people and three other tellers. I said 'thank you for correcting me' and walked out.. As I was walking out the door I heard her say again (maybe she was repeating it to another teller) PAY IT TOWARD.

At this point I've had it with Chase and am changing banks.

I urge anyone who is currently with ----- bank to move your money. I understand that I am not allowed to mention the banks name in this letter so let me give you a hint. When you were in grade school the boys and girls would
----- after each other in a playful way or game. One of the employees at a ----- Bank branch opened a line of credit on my company without my permission. The employee came into my office and asked about opening a line of credit and was told "NO". Since then the line of credit was used when we were trying to change from ----- bank to another bank due to many many other problems. I still had electronic drafts hitting my checking account and there wasn't money there so they started hitting the line of credit that I never approved. I found out about it 3 months and 12,000.00 dollars later. When asking for a copy of the documents approving this line of credit, I found that the signatures were not mine or my husbands. Let me go on to inform you that the documents signed consisted of a promisory note!! The ----- Bank employee insists that I signed the documents the very day that he came into my office. Well, lets see, I told him I didn't want a line of credit - soooo what I went ahead and signed for it anyway. What did he do, just pull the documents out of his bag with all my information on it already and I signed after saying "NO".
People alway remember "NO MEANS NO"!!
OH they reimbursed me the fees without even a blink of the eye, but still think I should pay the interest accured. What are you nuts? Now, I think its weird that they would reimburse me anything if they really thought I signed those documents. I guess I am the crazy one!! This is what you call taking advantage of the common individual. Do they think they can just do whatever they want with your money, and when you don't like it, they just reimburse you the fees and all is well. I don't think so. But because I am such a little person in a the huge world of banking - I am pushed aside, reimbursed some fees and laughed at.

BUYER BEWARE.
Chase has got to be by far the most unethical, disrespectful bank that I have ever dealt with.

They are greedy and want to maximize their profits at the expense of the consumer.

The situation involved my credit card. I was charged late fees, an over limit fees, and various other finance charges and fees that totaled 240 dollars, in one month.

I chose to use their online service to transfer money from my other bank account to my credit card account, held by chase. Chase charges a fee for this transaction. So my account was over the limit. Chase also charged me an insufficient funds fee. I disputed this and sent them a bank statement PROVING that there was money in my account at the time and there is no way that the account had insufficient funds.

I finally closed the account and paid it in full. But the fees never stopped.

Did you know that if you have a balance on your chase account, you will have to pay compound interest on that dollar amount regardless of how its computed?

Let me elaborate:

If you closed your account, which you should do if your reading this, and you paid the balance in full, the interest that was charged will still be valid on that account.
Lets assume that this interest amount is $100

If you pay that $100, you will recieve a bill the next month, charging you interest on that amount that you owed, this cycle will not break, until you pay them more than they bill you for and hope to get a refund check in the mail.

I am very dissatisfied with chase, and have done everything in my power to make others aware of their business model:

GET AS MUCH AS YOU CAN FROM THESE IGNORANT PEOPLE WHILE THE PICKINGS GOOD!

My loss is your gain, as I have valuable advice:

Never bank with chase, do your research. You have the power of google at your fingertips. This will happen to you if you do. Think enron. Not all big corporations are ethical, and eventually they get taken down.

I opened my chase credit card in 2001 at a rate of 6.99% apr. Since then there was one late payment which was not even 30days late. Alwayse paid on time and most of the time more than minimum. Now my apr is 29.99% too. They actually had sent me letter of notification to raise it to 32.99%.

I wrote back and told them that I will complain with the office of Attorney General because this is criminal and may be discrimination because they agree to increase my credit limit when I was making 20K less than what I make now. SO they still riased it from 24.99% to 29.99% and thier customer service talk about it as if they did a favor to me by not increasing it up to 32.99%.

I know you posted a long time ago about wanting to sue chase. I have also experienced the same thing with chase where they rearrange your transactions and screw you out of money. I wish I knew how much money i have lost to them over a period of a year. Chase is a very crooked bank. I don't understand why for a long time they were posting my debits before my credits at midnight and then screwing me out of money and then all of the sudden they now post credits before debits again. They are soooo crooked.

I, too, have been a victim of Chase's abusive and unethical business practices regarding rate increases for prime borrowers who haven't been late with payments, and am very interested in pursuing a class action suit against them.

In 12/07, I opened my latest Visa card statement, and was shocked to see an interest rate of 21+%. I immediately called them, and was subjected to the rudest obnoxious collections people (I tried to get to customer service, but everytime I keyed in my account number; I was sent to collections.) I persisted until I got to speak to several Customer Service personnel including a couple of supervisors. I was told that the reason for the rate increase was that I hadn't responded to a letter (I never received one) asking me to contact them to discuss my credit report. I was told that a recent credit review showed that I owed more money this year than I had last year, and they were concerned. BTW,my payments were all made on time, and always were more than the minimum. I was even asked what I spent the money on!!!

I was told that the rate would be reduced back to the original rate, but that never happened. A few weeks later the dunning calls started, and the new bill showed up. This time I was told that the rate would not be reduced, and that now the rate was going to 29.99%. The rep was so nasty and abusive that I requested Corporate contact info, and asked to speak to her supervisor. I did receive a phone call a few days later from her supervisor who assured me that the rate would be reduced back to the original rate, and that I would receive a letter in 7-10 days to that effect. I just received a letter stating that I am now in default because the payments I made were insufficient. They are adding the erroneous interest charges to the payment even though they are supposed to be making the adjustment, and I am now like a dog chasing my tail as far as making the correct payment.
The most recent bill shows that my payment is now $615/mo (this was for a 12K credit limit that should now be around $10k). I have perfect credit and would like to keep it that way, but Chase is doing their best to send their prime borrowers into default. This needs to stop. I have read the other posts about Chase, and think it is time for all of us to band together and stop these abusive business practices.

Wait! There's More! My husband just joined Chase Bank and then he used their "bill pay" service. He found out that the bank actually takes the money out of the account at the time you write order the check! Does anyone have any idea how illegal this is? I will name a few of the reasons.
1) IT is the bank doing EXACTLY what they are charging their customers for doing - kiting checks! They are dipping into customer funds 10-15 days prior to the funds necessarily being drawn out.
2) By pre-paying themselves, there is a check out in the universe that is as good as any money order. The bank no longer carries an interest in who gets it, who cashes it or where it goes from there.
3) A check that is written is NOT the same thing as a check that is negotiated.

The bank has a fiduciary duty to the people to whom it holds funds. Taking money out of account holders to use for their own purpose until the money actually becomes designated by a negotiated instrument is a breach of their duties to protect our money. By this standard, exponentially multiplying my husband's experience by a few million - they can build buildings and play the market and do whatever they want until the money is called back into account. How irresponsible is this?

The biggest problem with this is simply that the pencil pushing college graduate Bill Gates wanna-be who figured out this scam, sold it to his decision makers and probably got promoted. They realize that it is illegal, but someone figured out that even if they get away with it for a couple of months or even a year - it will increase their bottom line. These people who dream up these scams seem to not realize that they too are consumers and when they do this, they screw with their own consumer rights.

We need to find a good class action attorney - we are in Michigan. Chase Bank seems to be everywhere east of the Mississippi.

"INSUFFICIENT FUNDS FEE" (IFF) is not something I ever liked seeing but saw more than a few times on my Chase checking report. I don't keep a lot in that account because it is an account for buying or paying for specific things. My primary checking and savings is not with Chase.

I began to notice something very funny about those "Insufficient Funds Fee" thingees with Chase, though. At one point I was sure something fishy was going on so I resolved to pay better attention.

One of the things I suspected was that if you have, say, 3 transactions on a weekend and the last transaction puts your account into overdraft, the one that put you into overdraft is placed BEFORE the other two transactions in your account history (as if it had been charged first) when everything finally posts. Like:

Wendy's: $20.00 (Charged Sat Afternoon)
K-Mart: $15.00 (Charged Sat Morn)
Books A Million: $30.00 (Charged Sunday night)

The Books A Million being the one that puts you into overdraft.

This is important to realize because now you get hit with 2 or 3 insufficient funds fees instead of just the one. Only the last charge was an overdraft. Putting that overdrafting charge before the other two in the transaction list, despite it being the last purchase you made, allows the bank to penalize you those extra amounts.

This last weekend I overdrafted again due to a totally unexpected automated billing. This time, however, I caught Chase in the act.

I got on-line, checked my account, saw no pending charges, made sure of my available balance, and went and made an on-line purchase. I then logged back into my Chase account, checked my balance and transactions again, saw my new purchase listed in the pending charge list, and printed that out.

The next day (Sat) I went to the ATM to get a few bucks out of my Chase account and wonders upon wonders: Overdrafted because of that unexpected charge.

I deposited enough into the Chase account to cover the overdraft amount, plus some. I then used my card for 2 minor purchases on the next day, Sunday.

On Monday I check my balance, no problem. On Tuesday morning no problem. On Wednesday morning... overdrafted. I immediately put money into that account to cover it, plus some (again). I printed out my account on-line each day and kept every ATM slip.

This morning I find my balance is very low. I check the transactions. There are now two $64.00 IFFs. 1 transaction only, remember, was an overdraft. I was charged for 4.

Why? My posted transaction list looked sort of like this, top charges the most recent posted to the account:

IFF: $64.00 (showed up this morning)
DEPOSIT $100.00 (Weds Morning)
Exxon: $3.00 (Sunday Purchase)
McD's: $4.00 (Sunday Purchase)
IFF: $64.00 (showed up Weds morning)
DEPOSIT: $150.00 (Sat Morning)
On-Line Purchase: $50.00 (Thurs/Fri AM purchase)
Bongo Software: $74.30 (Hit later Friday)

The Bongo charge (the overdraft) came in AFTER the on-line purchase, not before. The Exxon and McD's were BEFORE the first IFF was charged to my account. The second IFF was for those two little charges that were not overdrafts until the first IFF got posted.

I went to the bank this morning. They told me there was nothing they could do and that I was wrong in my estimations. They did... until I pulled out all my ATM slips and print-outs from the last 8 days.

The $128 is now back in my account.

I'll still be faxing copies of my records to my State's Attorney General

This past fall I completed a Chapter 13 Bankruptcy and received my Discharge Notice from the Court. At that time I began asking Chase for an accounting of moneys the Court paid them for arrears requesting specific information on how these payments reduced the principle due on my loan.

Chase delayed months in responding and when they did their responses were curious at best.

1) Chase informed me that I was in fact behind in my payments to them. When sent a payment history indicating all payments had been made, Chase informed me that simply paying the amount requested on the mortgage loan statements I have been sent does not ensure correct payments are being made.

2) Chase has informed me that they in fact never received any payments from the Court and requested I write the Court to see if in fact they ever sent any payments to Chase. I did this and the Court has sent me a detailed transaction history of the payments they made, and checks cashed by Chase.

3) Chase is currently attempting to collect on debts discharged by the Court, and additionally Chase has initiated foreclosure proceedings against my home.

4) Chase at no time made any objections to the Court, its Trustee, my attorneys or myself about missing payments during the course of my bankruptcy, and filled no objections at its close.

The only objection Chase seems to have is in accounting for where the money has gone. My attorneys were forwarded my letter to the Court and they informed me that the absence of a motion for relief for post petition arrears does not mean that all post petition payments were made. They also said that the absence of an objection to discharge does not mean all post petition payments were made.

The attorneys that handled my bankruptcy, technically having concluded the services contracted for, have suggested I hire counsel to assist me and advise me of my rights.

I believe it is against the law to attempt to collect debts discharged under a Chapter 13 Bankruptcy Court. Further, I believe that hiding payments made by the Court from me is against the law.

I have sent extensive documentation back to Chase indicating inconsistencies in their reporting of my account by them, but at this writing have had no response save for an ACT 91 Notice being sent from their collection department. Even that notice contains flawed data, which I reported back to them on.

Chase is extremely difficult to deal with, and the stress that they cause is profound.

Im currently having the same problem but in Texas, I am filing a civil suit against chase and would like to know how you can involve the supervisor personally, The guy Ive delt with is an A$$ and would like to include him in the suit, your feedback would be most appeciated. BTW Im working on a class action suit over their fees, I work for an attorney and he is willing to do it if I do all the ivestigative work, if there is any one out there that can help me I would appreciate it.

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I am also someone who has had a Chase Credit Card for many years and recently was zapped with the absurdly high interest rate of 29.9%.
This solution is what I did, and may be an option for some of you. If you have a 401K or other retirement account, and you don't have a better alternative, you may want to use your 401k to pay off the credit card. You pay taxes and a 10% penalty when you withdraw money from your 401k, but when you are paying 30% interest on $8000 or more, it might be worth it. I know it felt better losing my money to the government than it would have to let Chase Bank continue to suck my bank account dry.

29.9% interest!!!!
Don't stand for it.
Do everything you can to end your current and all future interactions with any company that is so deceitful.
Warn Others.

Without too much nonessential detail. Chase has basically raised my interest rate from 11.9 to 29.95% without warning after years of solid payments. Calls, requests and attempts to regain good standing were given the same "we are very sorry" lip service, I closed the account but they continue to charge interest and late fees. Another call and again were sorry but..... Basically I will NEVER do business with Any Chase bank or affiliate. I truly beleive they are intentionally decieving customers. BE WARNED.... These are BAD PEOPLE..... I wish there were a way to give back to them what they dish out....

Chase Executive Office
P.O. Box 19020
Houston, TX 77224-9020

:)

Phone: 800-242-7339

Fax: 713-262-1576

I am ready to file suit against Chase bank, for various reasons, most of which have already been mentioned in previous posts. If anyone is interested, please place a post online and I will contact you to discuss action. This is no joke! They are criminals & I want them to burn for what they have done to good, consistent, paying customers nation-wide.

I had an account 15 years with Bank One, which later became Chase / Manhattan.
I was getting gas to evacuate my family and ready to leave south Houston on Wed 10 Sept 2009 before Hurricane Ike made landfall (due on Friday the 12th). I swiped my card, and it was declined (at about 10 PM) I called the 1 800 number and they said my account was reported to fraud. I contacted fraud and they said they are closing my account and Chase doesn't want to do business with me anymore. I am not pending any criminal or other actions, I pay my bills on time, ect. They also closed not just my checking account, but all of my accounts.
I was stuck, no money, food or clean drinking water and have 4 children (aged 12, 10, 7, and 1 1/2)
I always just use my card, and don't carry cash.
The storm came and 4 large trees fell within 30 feet of my family (hiding in a closet). we had 90 mile per hour winds and was hit hardest in Houston for wind. Then it was 2 weeks without gas, water, power. Now all my bills are bouncing - EVEN THOUGH THERE IS MORE THAN SUFFICIENT AMOUNT IN THE FROZEN ACCOUNTS!! Chase won't cancel the direct pays, and the companies say the bank has to. PLUS as an added bonus, I can't get my money for 3 weeks minimum until they review and close my account. My children are sick and I can't even take them to a doctor, much less drive them there because I cannot access my money.

I would have never subjected my children to these dangerous conditions and don't appreciate how they did this action, without reason or warning.

While at the bank, I met a very elderly lady they shut down as well, freezing her social security, deceased husband's pension check, and of course her money. She had been banking at this same location for 47 years!!

For anyone who has a problem these are some useful numbers!
I am using them to file a major complaint and seeking legal assistance at the moment.

Office of The Currency Controller 1-800-613-6743

Chase Manhattan - Shelly Tanner - Exec Assistant to CEO Jamie Dimond
1-800-242-7399

NEVER AGAIN will I ever have anything to do with Chase bank which is currently owned by JP Morgan, I believe. It is the biggest a****** among all the banks I have dealt with. I have been using Circuit City card for special long term financing and I haven't been late for almost the entire term of the special purchase. Recently, I was only a few days late on a payment and CHASE immediately charged my account for almost $400 of accrued interest, the amount that was accrued from the date of the purchase on the original principle. I immediately called and was told by the rep that there have been others who were in the same situation and were charged THOUSANDS OF DOLLARS of interest but "a manager" would be able to do something about it. However, he/she would have to call me back. Of course, I had to call back to follow up after a few days. I insisted on speaking with a manager this time and was spoken to by a rude a****** who arbitrarily offered a $60 reduction with a take it or leave it attitude. I declined the offer of the $60 reduction and decided to cancel the card. I went to the store to make the last payment to pay off my balance ($850 including the $400) and told an assistant manager there that there would be no incentive for me to ever buy anything from Circuit City anymore. Frankly, THERE IS NOTHING AT CIRCUIT CITY THAT CAN'T BE FOUND ON LINE FOR LESS. The only reason I would pay extra before was because of the free financing. Being robbed $400, I would never touch their free financing gimmick again. While I know it was a mute effort to talk about the experience, it was worthwhile to learn that the only person who really benefited was the bank. Chase wouldn't give a sh** about my cancelation of the credit card. In fact, it would be even glad I have done so given how much of a shi*ho** it is in. And even if people stop patronizing Circuit City, Chase wouldn't give a sh** either because it would fund other retail operations should Circuit City collapses. AGAIN, I will never do anything with Chase bank and make sure I will go out of my way to inform people that I know and others to stay from Circuit City in particular and Chase bank in general.

I too had someone get a hold of my card number and the pin and they cleaned me out.I called chase right away.I did all they told me to do and they still denied my claim.I filed three diffrent times and basically was told too bad.Even the Office of the Controller could not get my money.Their customer service ( In India) is terrible , you cant get anyone to understand you and you can not understand them.I think I will try small claims to get some of my money back

Thank you for such wonderful information about the banking supervision site. If I don't get satisfaction through Chase, I now have somewhere to go. Epinions ought to have a special place where "gems" are published because this is too important to miss!!!

My wife and I have recently fallen victim to one of Chase's little scams.

A couple of years back, we took advantage of a 0% interest offer from Chase. We transferred the balance of a couple other interest bearing credit cards to the 0% account at Chase, then closed those other accounts.

Since we've had the Chase account, we've received offers almost constantly to use our Chase account for other purchases - all at varying interest rates. They also frequently sent those little convenience checks for us to use.

Of course, had we fallen for any of that, the fine print said we had to pay off the 0% portion of the account before any of our payments would be applied to the interest bearing balance. That assured the interest would pile. So we held steadfast, not using any of the falling for this convenient little trap Chase tried to sucker us into.

We've never had a late payment and have always paid nearly double the minimum monthly payment.

I guess, realizing they didn't have a couple of fish on their hook, Chase decided to try a new tactic. They've added a $10.00/month surcharge to the 0% interest account, until the balance is paid.

Like many others who have commented here, we contacted Chase, but gotten nowhere. And like others here, we demanded the name and address of a supervisor we could contact - which they did give us.

The letter was returned - undeliverable. The address was fake. And, no, we didn't make a mistake on the address. It was fake.

I'm hoping someone with connections in Congress can forward this entire thread. Maybe Federal action will bring Chase into line. But, I'm not holding my breath !

we are also victims of chase bank. predatory lending of our 2nd mtg equity loan. 1st mtg with chase is va insured. we are in foreclosure. can't get anywhere with the modification dept. i think they are nothing but vultures/buzzard's in bed with realestate brokers swarming over common peoples homes. we had all our accnt. with bank one & things were ok. before chase took over several workers with bank one warned me to be on the look-out for trouble. they all were too polite. we are know looking for a class action lawsuit to join. anyone got any news? dwt340@gmail.com

Did you file suite yet? The reason I ask is I just found out that I have been paying $100 per year to a company that says they are part of Chase called WC Buyers Plus. I call Chase and they admitted that this is an affiliate. To date it has cost me $800 for nothing.

I googled this company to find out its a scam. If you haven't file yet I would like to help.

Thanks.

I hate Chase!!! I had a credit card with them along time ago and they were always rude and sneaky (raising my APR to a wopping 29.99% without any notification). When that happened I paid it off, closed the account and never looked back vowing that I would never deal with them again. Now my sweet WAMU has been consumed by the devil so now I will have to change my direct deposit and all that other stuff the sever ties with them once again!!!! Why don't they just collapse? Why doesn't everyone know what an unprofessional corporation they are? ANYONE READING THIS WHO HAS HAD NO EXPERIENCE WITH CHASE HEED MY WARNING!!! STAY AWAY FROM CHASE!!!

My complaint to the OCC yielded results. Three weeks after my complaint, Chase called me and reversed/credited all charges and interest rates.

Keep up the pressure, they're folding!


The Office of the Comptroller of the Currency (oversight of banks such as Chase) can be reached as follows:
You can reach one of the OCC Customer Assistance Specialists by calling our toll free number, 1-800-613-6743, Monday - Friday, 7:00 a.m. to 7:00 p.m., Central Time or by sending an email to Customer.Assistance@occ.treas.gov

I've had a terrible experience with chase...they redirected my husbands social security check from our credit union to Chase......there is a lot more to the story.....Yes I'm ready to take action....actually within 1 week I will be posting my complaint on you-tube...I'm working on a SHAME ON CHASE BANK" slideshow....my email address is lucyanddiesel@gmail.com...my name is Sonja..if you would like...send me your email address and I'll be sure to send you or anyone else the YOU TUBE link!

Good evening,
Last week our checking account fell into the negative by approximately $50. I discovered this and moved sufficient funds to cover the discrepancy and any reasonable late fees.

These thieves then charged me $128 for the NSF!!!!!!
And, on top of that, they charged me $3.00 more than the account held, putting me in NSF again!!!!!!!!
Since then, I've been hit with another $130 because their exorbitant NSF charges keep knocking the balance below 0.

I'm totally disgusted with this bank and am going to close my account this week.

This is the most disreputable company that I've had the misfortune of doing business with in a long time. I will be seeking legal counsel!!!

Name should be Chase me out the door, i called the customer service and also the 800 numbers they gave me and wrote a letter they are the most manipulative bank i have ever come to know. I had an account with them for 1 month and they stated that i was using unusual tactics with my account. I have to say that i will never use a big name bank at all, anymore, let them go down.

About a year ago I opened a Chase credit card, which at that time was Washington Mutual. I was a customer in very good standing, i.e., never late, never skipped a payment. Within one year, my interest rate went from 11.99% 54%. YES, you read it right....54%, that is, FIFTY-FOUR PERCENT. 4 weeks after they raised it from 42% to this sick amount of 54%, and after a year of paying them all of this interest along with my normal charges,(a ton of money they made off of me)they sent me a letter stating that I need to pay this debt off and that I am officially dropped from this card. No explanation, nothing. Just...because. Does anyone know if this is legal and/or what can be done? I'm sure their dropping me hurt my credit score. And I think with all the interest I have been paying for no reason my debt was payed off 3 times over! Consumer Affairs and others have ignored my desperate plea's for justice. Thanks all~

Yes, they certainly are a dispicable group. What kills me is.....THEY GET AWAY WITH IT!!! Where the hell is the law! What about OUR so-called rights??? That is all a bunch of hooey. We have absolutely no rights what so ever. They just tell us that to pacify us. It reminds me of the propaganda on the TV's regarding the holocaust. They made infomercials with children playing, couples dining as if they were at a resort when in reality these innocent people were being inhumanely abused and slaughtered. Please read my blog Aug.5, 2009, FedUp2Much. Another horrifying "Chase" story. I've written to OCC, Senators, Consumer Affairs.....nothing. Anybody can do whatever they want and we just have to suck it up. It is nerve-racking, disturbing, and potentially cancer causing stressful! I wish you the best of luck.

Chase - What a joke! Fortunately I was luckier than most. They only got me for $67.

I had a Chase Visa card for years but never carried a balance and paid it off every month. Consequently my interest rate was never increased (that I know of).

My problem came when I bought an item that was a scam. Chase refused to give credit for this item unless I paid return shipping to send it back but the merchant would not accept returns. How is that for a stupid policy? I went through the customer service dog and pony show to no avail last week.

I immediately got a new card from a different bank and canceled the Chase card. Tomorrow I have a CD maturing at Chase bank (Opened with WAMU) worth big $$$. It will be taking a trip to a new bank also. I guess Chase isn't smart enough to check and see what other investments their card holders have before they try to screw with them.

I feel so sorry for everyone that has been ripped off by this shady outfit. Please be assured that they will be getting theirs! I will take my pound of flesh with all of you in mind.

AVOID CHASE LIKE IT HAS THE PLAGUE!!!

I have had many problems with chase when I have paid off my card. On 2 seperate occassions they have charged me finance charges on a $0 balance. Instead of rewarding you for paying off your balance they punish you with bogus finance charges, with mumbo jumbo talk that doesn't make any sense and just a bunch of words to try and justify those bogus charges. I was sick of it. The first time I sent a complaint through the Attorney General www.mi.gov/ag (if you live in Michigan) after the Attorney General reviewing those bogus charges they were removed immediately. So, that PROVES they were bogus and just trying to take advantage of the customers that pay. How many times has someone just paid them without even realizing it. So, here we are again. We had a Washington Mutal Credit Card, they were bought out by CHASE, again, we paid off our balance, and the next month, finance charges on a $0 balance. I called chase to have the charges removed, again they wouldn't, they wouldn't let me talk to anyone higher up and nothing got resolved. Again, I have sent a complaint through the Attorney General, sent them copies of my statements and payments and dates.
My advice to everyone when it comes to Credit Cards: Don't be fooled by their tech talk about this stuff, if they don't resolve it on the phone, take notes dates times and put in a complaint to the Attorney General for the state that you live in. For Michigan it's www.mi.gov/ag
I have learned that Chase does not care about CUSTOMER SERVICE, what they care about is how much can I soak these paying customers for.
Good Luck everyone!

Contact the Attorney General in the state for which you live. You can file a complaint online. I have done that with them over my credit card balance. I had a $0 balance and they charged me finance charges a month later. The Attorney General had the charges removed. Give it a try.

We decided to go with Chase Bank for a used auto loan because we could save a little by opening a checking account with them. What a nightmare! I made the appointment for a Saturday so my husband wouldn't have to take off work. My mother (who's van we were buying) went with us to sign the title. When we finished everything she was told she would have to wait until Monday for her check as all the tellers had gone home. She wasn't happy but we went back Monday for her check. The loan officer told me to take the form her gave me to the DMV (Department of Motor Vehicles) and I could get my temporary plates. We went Tuesday because they are closed on Mondays.
GUESS WHAT!!!
In Illinois you have to have the actual title to get license plates. By this time they had already sent the title to their offices in Kentucky and now I have a $10,000.00 lawn ornament that I can't drive and it could be WEEKS before I get my corrected title and license plates. "TOO BAD SO SAD" IS THEIR RESPONSE!!!

Thank you for the information about the Comptroller. I have filed a complaint again Chase.