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Chase Visa's despicable service
Posted by ZWrite on 03/01/2007
I have had a Chase Manhattan Visa card since 1992 and have always paid my bills on time.


In the last three years, the bank's service has been atrocious. In 2004, the bank made so many mistakes that I literally lost $590. I spent TWO MONTHS complaining before I reached someone in the corporate office who rectified my financial complaint although NONE of the NUMEROUS people who screwed up and were rude were ever dealt with to my knowledge.


I got my $590 back and the phone number of the corporate office which kindly said I could phone them whenever I had a problem. In recent days, I have TRIED to phone them, but got DOZENS of busy signals.


The impetus behind my latest phone calls was Chase charging me a late fee after it made numerous goofs over several days online and COINCIDENTALLY accepted my payment at 3:10 CST, 10 minutes late because of Chase's own incompetence. This would seem to be a no-brainer but an executive in Elgin, Ill., essentially said "tough s____" and kept the $39.


Here is my letter to the person who got me back my $590 two years ago, but whom I cannot reach.


First of all, I want to thank you for resolving the problems that I wrote to you about in the spring of 2005 and that you resolved by issuing me a credit for $590.27.

I certainly hope Chase has taken action to ensure that the problems which led to Chase making one mistake after another that cost me $590.27 have been alleviated. Unfortunately, I see little evidence of that from my own personal experience.

On June 24, 2005, you sent me a letter which ended “If you have additional questions pertaining to this matter, please do not hesitate to contact me at our toll-free number, 888-227-0608, extension 52745.” I have tried to contact you at this number at least 30 times over the past few days. It is always busy.

I reached Chase’s office at the same address by phoning 813-584-4160 three times, but the people there are incredibly rude and REFUSED to transfer me to your direct line. This is an ONGOING problem with Chase. Your employees are special.

In any case, I have three concerns that I would like to address. Failure to solve them all will jeopardize my relationship with your company. I am clearly in the right on all three matters, but have been incredibly patient in dealing with Chase’s failure to resolve them.

Continued failure by Chase will result in a complaint to the state attorney general’s office as well as notification to the public about your HORRID BUSINESS PRACTICES (if you Google my name, you will learn that I am, among other things, a business writer for several publications).

Here are the three concerns:

A. CHASEBUILDERS’ PROGRAM REBATE:
I have NOT received a refund check for the past THREE YEARS. When I inquired about this two months ago, I was informed that my account was cancelled Jan. 13, 2005, and was reopened a few days later. I NEVER cancelled my account.

As I reported to you back in 2005, I was treated rudely by your representatives on the phone. One screamed at me “you’re a deadbeat” and made all sorts of threats against me. A few days later, I received a letter saying Chase had cancelled my account. A few days after, I received a letter saying my account had been reopened.

This was obviously a PLOY by your representative to STEAL money out of my pocket by removing me from the benefits of Chase’s programs. Like I said, I NEVER cancelled my account. There is NO PROOF that I cancelled my account.

The COMPELLING evidence is that I did NOT cancel my account since I received a letter stating I was once again a Chase customer before I could complain about not being one. The restoration letter was written BEFORE I learned I was, for two days, not a customer.

Chase owes me a LOT OF MONEY. Why should I have to suffer financially because of the insolence and incompetence of YOUR employees?

If I had known about what Chase did, I would have phoned you the day I received your June 24, 2005, letter. Instead, Chase deliberately does NOT tell me that I have been removed from the Chasebuilder program. How much money do you gain from people who never inquire?

B. LATE FEE DUE TO CHASE’S INCOMPETENCE:
I phoned you on Feb. 28 after I spent hours trying to pay my bill online. The system rejected my VALID password and kept on sending me new access codes. Eventually, the system approved my attempt to pay via the SAME, VALID PASSWORD it kept on rejecting.

The approval came just after 4 pm EST. Coincidence? This is clearly DELIBERATE because the same exact thing occurred in November. It turns out, apparently, that I will NOT be assessed a late fee for February.

Here is what happened in November. I don’t receive bills in the mail (for reasons that have never been explained) so I logged on on Nov. 22 thinking I was going to pay my bill THREE DAYS EARLY because previously payments were due on the 25th. I learned after accessing my account that the payment was due on the 22nd. It was NOON.

Three hours later, my attempt to pay online finally worked. It was 3:10 p.m CST. Then, I noticed that the verification said the payment was being credited on the 23rd. Knowing Chase as I do, I phoned IMMEDIATELY and e-mailed Chase IMMEDIATELY.

With ethical companies, this would be a NO-BRAINER. But this is Chase. Yes, I received a late fee. So I wrote to your Executive Office in Elgin with PROOF.

Would executives actually PENALIZE me for being 10 minutes late with a payment that was “late” because of Chase’s own incompetence? Would Chase penalize me for being in the wrong time zone? Would Chase penalize me because it moved up the due date without informing me?

What stupid questions. The answer is YES because Chase is the MOST UNETHICAL COMPANY THAT I HAVE EVER DEALT WITH!!

C. DOUBLE BILLING:
In early, 2006, I tried and failed to log onto my Juno online services account on numerous occasions. I phoned Juno. The company informed me that I had to establish a new account in order to communicate with them my problems with the first account.

I established the second account. After a few days of trying to fix the problems with the first account, I CANCELLED it. That was 13 MONTHS AGO. I have NEVER accessed that account since then, have repeatedly asked Juno to stop billing me for two accounts when I am only using one, and I informed Chase Visa about this situation last April.

What has Chase done? ABSOLUTELY NOTHING. In its most recent letter, Chase said it did not know about my problem. Well, it does now!!! So guess what Chase did after giving me the excuse that it never received my earlier letters. In writing, Chase told me it has and will DO NOTHING.

Does a professional company act this way? NOOOO!!!! But Chase is the MOST UNETHICAL AND UNPROFESSIONAL COMPANY THAT I HAVE EVER DEALT WITH!!!!

CONCLUSION:
My patience is wearing thin. I would appreciate it if Chase would act professionally and rectify ITS MISTAKES. Thank you.

     
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Posted by grandma005 on 2007-03-02:
Simply stop using you chase credit card. After a while that will get their attention. You must have dozen of other cards to use.
Posted by Anonymous on 2007-03-02:
One should *never* give their banking information to a creditor. It is a bad idea is so many ways. Instead, you should set up Bill Pay with your bank or credit union. That way, you get to control when the payments are made, and you have proof of the payment being made on time.
Posted by Alain on 2007-09-20:
I found Chase Visa to be a lousy credit card. They had too high of a rate (despite my on time payments for over 10 years. I asked for a lower rate and the supervisor I was speaking to refused and even said "go ahead." when I said I would pay the complete balance and close my account. So I paid the balance and closed the account. Then Chase called and asked why. They offered a lower rate. It still was 3% higher than the one Bank of America gave me. I will never do business with Chase again.
Posted by Dr. Kraft on 2007-11-30:
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!
Posted by Alain on 2008-03-01:
I still wouldn't use Chase for ANY banking service ever again. But they still send offers for their credit cards and other services every month. Meantime, I still have my Bank of America Visa (they've lowered my rate again as of January 08 and offered to raise my limit when I paid off the balance-I try to clear it monthly, but occasionally have a balance). I have no reason to deal with a bad bank like Chase.
Posted by JW on 2013-07-30:
I have experienced nothing but rudeness and incompetence from Chase. They supposedly "detected" potential fraudulent activity on my account. So they shut down my online account so that I was unable to access my account to look at activity, pay my bill, even email them. When I called them, they had a whole list of "special questions" to establish my identity... even tho I spoke with several layers of supervisors and answered all their questions, they still demanded that I go to their branch bank, to prove my identity with 2 forms of picture ID. I wasted 2 hours going there and showing Javiar my drivers license and passport, while he made multiple lengthy calls to "headquarters"
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Pathetic in every way
Posted by Screwed by Chase on 10/25/2007
WASHINGTON -- Chase Card is brutally pathetic. Easy statement to make and here is the proof.

In February 2006, I found out that my Visa card had been used and currently had a balance on it. I called Chase Card services on February 15th to find out what was going on. I found out that my ex-wife had gotten into my account. I asked how that was possible, because in July of 2001 I removed her from my account. Chase Rep responded that she was still on the account. The Chase Rep also stated that since I was the primary on this Visa account that an authorized user could not make changes to the account or order credit cards without my consent. I again removed my ex-wife from my account. I closed the account and opened another one.

I got to deal with Chase Fraud, Investigative and Card Services from that point forward.

Starting in June of 2006 I started receiving collection calls. One caller told me that the account was still being investigated for fraud and then asked me for payment. I asked this caller if the matter is being investigated why would they be asking for money? I would get called up to 5 times a day and on weekends.

I received an e-mail from my ex-wife in July asking me why I closed the account and reopened a new one. In her email she stated that Chase told her these details. So in review Chase gave out my personal credit information to someone not even on my account.

Chase after their investigation concluded it was a civil matter between me and my ex-wife. I told them no it is a matter of Chase violating my rights as a Visa Card holder and also a violation of consumer protection laws.

I have asked Chase in writing for copies of my account records, policies and procedures for authorization use and many other details regarding my account and they have responded that the information is privileged.

Chase has reported my as a collection now. They have reported me as living in a City I have never lived in due to the fact that they sent credit cards to my ex-wife.

Chase lied to me directly. Chase is now withholding information simply because they know they violated laws and protections. Chase card services is incompetent. The one rep I dealt with in their corporate office is unworthy of any title. In fact, I would not hire this person to operate a pooper scooper.

Here is the hardest fact to realize for me. Chase Card services knows that they screwed up and they know that they are not going to get paid. Since they are not going to get paid and they know it, why do they penalize an innocent party. It would make more sense to seek payment or assist in efforts that would lead to payment, but instead they are more focused on not receiving payment and creating emotional distress.

I would not use Chase card services for all the reasons stated above, because this company is not interested in servicing the customer. They have a different agenda.
     
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Posted by moneybags on 2007-10-25:
You need to get an attorney and sue
1. Chase for all the violations, lies, and fraud they have perpetrated against you
2. Your ex-wife. She not only committed fraud, but theft and theft by fraud when she ujsed the cards, but had new ones sent to her

SUE, SUE, SUE!!! And dispute the charges and collection to the collection agency - TODAY! Do not wait. Chase will have to provide documentation the the collection agency. Ask for it.
Posted by Anonymous on 2007-10-25:
I agree with moneybags.
And if you want to complain about Chase Manhattan Bank, send a written letter via certified return receipt to:
Office of the Comptroller of the Currency, Consumer Affairs Department, 1301 McKinney Street, Suite 3450,
Houston, Texas, 77010-9050, Tel: 800-613-6743. Also, send a written complaint to your State Attorney Generals
Office, Attn: Consumer Affairs.
Good luck.
<;O)
Posted by killerklown on 2007-10-26:
I'm usually the last person to yell for the lawyers, but in your case, I think you need to get an atorrney involved as soon as possible. moneybags is right, you seem to have two very basic cases on your hands. You would probably not even see a day in court with these two, unless your ex wife is REALLY stupid...
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Chase Visa - Misleading Information - New Accounts Services
Posted by Karisby on 02/20/2006
LOS ANGELES, CALIFORNIA -- BE AWARE--you cannot stop a balance transfer after the account has been opened. Chase employees tell you that you can simply make a phone call to stop the transfer, but this is not true. Upon calling the number they provide one is notified that the "transfer has already occurred" and that there is nothing that Chase can do to stop it!

Below is part of my complaint letter to Chase Bank USA, N.A. which I sent copies to the Better Business Bureau and Federal Trade Commission:

1). Employees should not misguide new account holders by stating that balance transfers can be stopped once an account has been activated and the cardholder’s request is made! This statement is NOT TRUE and the multiple requests I made to stop the balance transfer were incessantly denied. I was extremely frustrated by this process and the misinformation that was given not only once, but in the four phone calls I made to correct this problem and resolve my concern. The distribution of such false information should be of concern to Chase Bank USA, N.A. because it contributes poorly to the reputation and integrity of the company, and because it reaffirms company contradictions between the product and services promised and its actual provided practices!

2) Second, employees should not mislead account holders by stating that the opening of a second account on the same day will cancel the request to open the first account and thus stop any balance transfer requests from occurring. This suggestion was not only RIDICULOUS and HIGHLY MISLEADING, but has resulted in my having opened not only one but two credit cards on the same day! This practice is manipulative and unethical, and while it certainly benefits Chase Bank USA, N.A., it distills confidence in the reputation and integrity of the company. Such company practices need to be corrected immediately!

I would appreciate a reply informing me of how Chase Bank USA, N.A., will better attend to the care of their customers and how the company will address the discrepancies between services promised and the lack of follow through in its practices. A huge integrity issue is at hand.
     
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Posted by miketech on 2006-02-20:
I'm sure they know all of that already. Well except the intergrety part and the part about correcting it. Chase is a big money hog. That's where their relationship starts and ends with you.
Posted by DebtorBasher on 2006-02-20:
I know several Chase employees...that's why I can honestly say that Chase does what's best for Chase. Whether it be a Credit cards, Equity or mortgages...they will tell you anything. Having someone open an account with a balance transfer give the rep another notch in their quota...they will tell you anything to get it and the sad part is, that is the way Chase trains them. I've learned so much about Chase from these employers, that I would never touch anything with the name "Chase" on it. They will mislead, violate the FDCPA and do whatever they have to to get what they want. Run away from Chase.
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Insane Rate Increase
Posted by Jbwcool on 04/20/2005
I just had my APR increased from ~20% to 29.94%. I've been a cardmember for over 4 years with not one late payment to them. I asked for any sort of recourse that I have since I cannot pay this absurd rate. Of course the robot on the other end told me that since my credit report was not good, that I have no recourse. Well, I just closed my account and will pay them off within two months. I feel sorry for those who are unable to do the same. My blood is boiling! Please tell your government representatives about this and report them to the BBB.

     
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Posted by Silent_Assassin on 2005-04-21:
I already did now we have to hope everyone else does the same thing. Chase is the worst. I tell everyone I know to get rid of the card,
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StarStarStarStarStar
Ever Dance with the Devil in the Pale Moon Light
Posted by Churro on 02/08/2013
ANYTOWN USA -- Do you ever wake up in the morning thinking I should post a positive Chase review on the internet? Probably not if you're a moral person on the fast track to heaven living a life of good values and concern for your fellow man. Well my friends that's not me and indeed I'm writing a glowing Chase review.

In Nov 2011 Chase said they'd pay me to get a Chase Freedom Visa card. An offer from Chase how can I lose. So I took the bait.

JUST THE FACTS
$150 cash back when you spend $500 in your first 3 months from account open.
$15,000 initial credit limit
0% APR on purchases and transfers for 15 months
12.99% APR after 15 months
5% cash back on up to $1,500 spent in bonus categories each quarter
1% cash back on all other purchases
No Annual Fee
Standard Signature Visa perks

RESULTS
Cash back received Nov 2011 Thur Jan 2013: $1023.65
Average monthly Float: $8,353.12
Finance Charges: 0

GRADES
Online Banking: B+
Customer Service: A+
Ease of Cash Back Redemption: A+
Overall Satisfaction: A+

SIGNIFICANT ATABOYS
Jan 2012: Recieved $100 to open a Chase Checking Account

Mar 2012: Cordinated my Trip to Germany with Chase. They provided me documentation and worked with a rental car company which allowed me to avoid mandatory rental car insurance. A savings of about 300 bucks. The Chase Rep cordinated with Chase security so that my Chase Freedom card worked in Europe without a hiccup.


FINAL VERDICT
I could not be happier with my Chase experience which is surprising given that Chase is a soulless mega corporate bank hellbent on enslaving mankind to international bankers. I gotta admit though Chase taught me a little bit about myself. Indeed I will dance with the devil if price is right and eh sadly that price really isn't that much. Moving on... I have to commend the Chase CSRs. Always pleasant, knowledgeable, helpful and they speak the English good.

My plan back in Nov 2011 was the same plan I always have for any come on offers from a credit card issuer. Exploit the heck out of the freebies and then dump the card after the introductory offers so that in a year or so I will be considered a bribe-worthy NEW customer again. Not this time. I'm keeping my Chase Freedom card. Yeah, I was that impressed.

If you're looking for a good solid Visa card I say give Chase a chance. You'll be glad you did.
     
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Posted by DebtorBasher on 2013-02-08:
You'lllllll beeeee sorrrrrrry!!!
Posted by clutzycook on 2013-02-08:
LOL Churro. That was the most entertaining review (not written by yours truly) that I've read here in a long time. :) Chase is my only CC too and I've never had trouble with it (up to this point) either.
Posted by ok4now on 2013-02-09:
I have two Chase cards and have never had an issue with them. The bill is paid promptly and I rarely carry a balance. Having said that my sister fell behind and was late on her payments and skipped a few. The collection dept at Chase came after her like a pack of rabid pit bulls. Unending harassing calls at all hours to her home and cell phone. If the answering machine picked up they would blast loud music in repeated messages. She blocked 10 different phone numbers they were using but they still got through. The interest rate shot up to 30% and the late charges kept piling on, tripling the balance owed. Finally after six months of this unending harassment they stopped. Under federal law they had to and wrote the balance off.

Conclusion: If you owe Chase money pay them on time or they will make your life pure Hell.
Posted by Old Timer on 2013-02-09:
Two words: Credit Union.
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Credit card customer service incompetent
Posted by Mfailing on 12/09/2010
Chase clerks refused to approve a charge I was trying to make. My card expired November 30, 2010. I called in October to confirm that Chase would send a replacement in time for me to use.

I needed to buy a product December 2 but Chase had not provided the new card. Although a clerk acknowledged that I had way more credit available than I had used, no one would approve the credit.

The clerk assured me that "5 minutes ago" someone at Chase had dropped my new card in the mail. I received it 7 days later.

A recorded message also confirmed that my new card had been activated.

I answered the trick questions for identification to talk to a clerk but received no help. And my line got "cut off" when I asked to speak to a manager. It's not like I had ever not paid a bill. It's not like I had not used the account since 2007.

And it's not like I am going to be using this again.

Customer service does not exist.
     
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Posted by trmn8r on 2010-12-09:
It sounds like your card expired, and it took a week to get a new one. That sounds like normal customer service to me.

I can't tell if your main complaint is that they wouldn't let you use your expired card, taking a week to get a new one, or getting through the menu system. Or maybe all. I have a Chase card, and the customer service has been excellent.
Posted by Anonymous on 2010-12-09:
Chase usually sends the new cards about a month before the old one expires. When they sent the new one, did it not work? I don't think I understand what happened.
Posted by Nohandle on 2010-12-09:
I had something a bit similar I guess last year. Both my MC and VISA are with Chase, just turned out that way. I wanted to keep the MC active so made certain my annual renewal for MSN Premium was charged to my MC account which was set up for annual renewal through that card. I was down to the wire. I couldn't renew the MSN for a date beyond expiration on the card and I was waiting on a new card just to keep the MC card open.

I charge so little on credit cards that I at least attempt to keep two active and don't deal with store CC's anymore. I do recall having to activate my new card by telephone from my home number. I don't guess a customer with less than a $100.00 a year is appreciated. That was meant to be sarcastic because we all know they don't want those customers.
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Chase Manhattan Bank - A Pack Of Loan Sharks And Liars.
Posted by 2ndChildhood on 07/27/2010
Chase Manhattan Bank. They say they want to be your neighborhood bank. You see the new branches popping up everywhere. The TV is saturated with Chase commercials about how they're there to 'help you'. They're you're friendly neighborhood bank. Right? If you think that, read how they treat a customer in good standing for 20 years,

I've been a Chase Manhattan Bank customer for 20 years, carrying a Chase Visa in my wallet since 1990. About 7 years ago, a few small disasters (including treatment for a pet) hit us in a row and we racked up a $12,000 tab on the Chase Visa card. At the time the interest rate was under 10% so it wasn't the end of the world. A year or so into paying off this debt, the post office delivered one of my checks late (21 days from the time I mailed it till the time it was delivered, so says Chase). My interest rate went to 29.25% and has stayed that way for years now despite never having another late payment made EVER.

Last month (June 2010) I FINALLY paid off the card IN FULL. I didn't negotiate anything I just paid it. We now owe Chase $0. Zip. Nada. I never complained once, I signed that filthy 55 page agreement (I didn't have a microscope handy to read it) and I'm a man of my word no matter how much I object to being taken by a loan shark.

Now, a month after paying the bill in full, I contacted Chase to see if they would now reduce the interest rate back down to something reasonable. Not a chance in hell. Nothing I can do, no one else to talk to, company policy, that's the way it is. Boy, great way to do business eh? A customer of 20 years pays a 12k debt off without a single complaint, calls to ask for a interest rate reduction on any future purchases. How do they treat that customer? By pissing down his back.

So, I've paid my debt. I won't contact the Better Business Bureau or make any additional complaints to anyone. I don't have the time and I don't really care as I am done with Chase. No, what I want to do here is WARN ANYONE AND EVERYONE who is considering banking with Chase. DON'T DO IT! If they don't give a damn about a customer of 20 years in good standing who DID RIGHT BY THEM, you think they are going to care about you? If your answer was yes well then you deserve Chase. If however your answer is no, I have done my job here.

That's all, thanks for reading and Chase Manhattan Bank - BLOW IT OUT YOUR ASS.

- Jeffrey Donovan
EXTREMELY DISSATISFIED CHASE CUSTOMER
     
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Posted by Weedwhacked on 2010-07-27:
Everyone is getting their interest rates increased. They don't care how long you've been with them.
Posted by FlShopper on 2010-07-27:
Chase did the same to me as soon as they acquired WAMU. I had a limit of $15k with a low interest rate. I never, not once, paid late. They upped my interest rate to 29%; they admitted they had no record of any late payments on my account, they just said this was their "new policy" with rates. I transferred my entire balance ($10k+) and they immediately dropped my limit from 15k to $250. They suck.
Posted by Anonymous on 2010-07-27:
You miss a payment and they get to jack up the interest rate. That is the way the game is played. You did nothing noble by paying your bill in full, you meerly fulfilled your obligation to pay off your debt. You are going to have a tough time getting a better rate with another CC provider since they all share information.

I live by the fact if I can't pay the bill at the end of the month, then I won't buy it. It is not worth the money to finance anything with a credit card.
Posted by 2ndChildhood on 2010-07-27:
Yep I agree and I know. The wife and I went all cash a couple years ago, that Chase bill was the last one we had left. The only reason I called them was just to see how I would be treated. Sadly, it was exactly as I expected.

I have an American Express card and it's the only one we use now, since we pay it off at the end of every month. If we can't afford something in cash, we don't buy it. Everyone should do the same, best decision we ever made.

- Jeff
Posted by momsey on 2010-07-27:
chevy, it's a great rule to say if you can't pay the bill at the end of the month, then you won't buy it. But that rule goes right out the window when an emergency comes up, like a pet's expensive vet bill or a car breaks down and you need to pay to get it repaired. Things happen.
Posted by clutzycook on 2010-07-27:
Cluzty hubby and I recently paid off our Chase card as well. It wasn't nearly as big as the OP's (we're talking less than $5K), but we nearly maxed out the card over the last couple of years with him being out of a job and all that. Now that card is pretty much only for emergencies where we need a large amount of cash in a short period of time (such as car repairs). OP, congrats on paying off that card. Now just cut it up.
Posted by MRM on 2010-07-27:
Bravo, Clutzy, for paying off your card. Your story just motivates me to pay off my balance each payday.
Posted by Anonymous on 2010-07-27:
Momsey, we still go old school by keeping emergency money in a savings account. We get a whopping .01 percent interest which is basically nothing. But, it will be a lot cheaper that paying the 21% + interest if we had to use a credit card.

Most people get into trouble initially by putting vacations, big screen tv's, excess clothing, etc., on the credit card thinking they can pay it off until something bad like a job loss happens, then the real trouble starts. I live by the motto, if you can't pay for it, don't buy it. Except for my house it hasn't hurt me yet.
Posted by Anonymous on 2010-07-27:
Most people get in trouble by not obeying my simple number one rule of personal finance. Never borrow money to buy a depreciating asset. NEVER - EVER.
Posted by momsey on 2010-07-27:
Good point, chevy. An emergency stash is not old school, but it's hard to get a true emergency fund set up.
Posted by Connoisseur on 2010-08-23:
I have said this many times "STOP USING MAJOR BANKS." They are PREDATORS. Pure and simple. Find local banks and use their services and their visa cards. I do that. I know the person at the bank and if I need something I can get her direct via the phone as opposed to some foreign accent who knows nothing about my personal situation and I can barely understand.
DITCH the World Wide services!! Go local in support of your fellow Americans.
Posted by Anonymous on 2010-08-23:
Your concerns about what's going on with your interest rates don't belong entirely on the banks' shoulders. A big part needs to be directed to the President and his short-sited, anti-capitalistic mindset that rewards bad customers who do not care when/if they make a payment and punishes good customers who keep up with their finances.

All banks are raising their interest rates on credit cards now. Rates from a year ago are up 11% on average. Why? The new credit card rules that restrict banks' fees. (If you haven't heard, the latest round of new credit card regulations are going into effect now, capping certain fees that banks can charge.)
Posted by ok4now on 2010-09-11:
Charging 29% interest, high fees and increased late charges is totally justifiable for a bank. How else is the CEO going to maintain his 7 figure plus salary, huge bonus, stock options and golden retirement parachute? And let's not forget about the additional perks that can't possibly be eliminated. The corporate jet, summer home in the Hamptons, the best private schools for the kids and the illegal alien housekeeper paid under the table. You are struggling to pay your mortgage & feed your kids then have the nerve to complain about these fees? The financial elite want you to struggle but not them. This is how it's paid for.
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Chase Visa card nightmare of all nightmares
Posted by Tommyweld on 03/24/2010
I live in Ohio and purchased a radiator from Bob King, of Discount Radiator World, in California using my Chase Visa card just in case something happened for $3342.60. SOMETHING DID HAPPEN. I never received my radiator. I filed a dispute on the 58th day and Chase denied my dispute because they didn't get a letter from the merchant. I have talked to 5 supervisors at the dispute dept. All are illiterate, rude, like the previous stated, like robots. THE WORST CUSTOMER SERVICE EVER! They first sent me a postcard congradulating me on my credit that should be posted to my account but never was. Then I received a denial because the representative told me they couldn, t contact the guilty party, Bob King of Discount Radiator World, and get their money I wouldn, t get mine. I received a letter that had very poor grammer. As I read the letter, it made sense, the people I was dealing with couldn, t even write a proper letter. When I called the dispute dept. and explained what happened they told me it would be fixed within 24 hours. I called after 2 days, not seeing a credit, and then they said they needed a letter explaning what happened. I then called again to confirm they got my fax and they said it now takes 7 to 10 days to process. I called after 10 days to find out yes I should see the credit, but never did. They promised they would take care of it. When I call the credit card customer service number and get prompted to the disputes, it states a credit was credited to my account on the 22nd of February but that never happened either. Now today I call them and they say it was denied because they have tried everything possible within the laws and can't seem to find a why to rule in my favor and asked if I was satisfied. Of course, I'm not satisfied! I was screwed out of $3342.50 by Bob KIng of Discount Radiator World and not backed by Chase Visa after using their card. They were so rude to me it was unbelievable! I had 4 supervisors tell me they would credit my account and then their supervisors would deny it. I was being played as a pawn between these individuals. It was a game of power between employees at work at my expense! DON'T EVER DEAL WITH CHASE! They will find a loophole not to pay out on anything! I was told by a supervisor, I promise you will get your money!, You called within your 60 days. I feel so sorry for you! They said obviously we didn't have enough information at hand and now I see what happened, we will take care of it. It is all B. S. The one employee told me the supervisors play a power trip with them and the customers get caught up in their game. STAY AWAY!

     
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Worst Credit Card Experience Possible
Posted by JamisonS on 08/23/2009
Although I have never been so much as a day late with a payment( on anything with any company ), always paid at least double the minimum, and never exceeded my credit limit. Chase Bank has treated me like a lowlife criminal. First they nearly doubled my rate, which they explained was to "make my account profitable". Then, a few months later, they closed my account. Now, they have cut off my on line account access, forcing me to mail them checks. I've had no problems with my other credit cards, just Chase. I will never do any business of any kind with this company, or anyone affiliated with them again.
     
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Posted by MaggieMcT on 2009-08-23:
You should still be able to pay online through your bank/credit union's bill pay. If you mail checks, you risk them being "delayed in the mail," or some such crap, and then you get hit with a late fee.

As for the rest of it -- your account agreement probably says they can do all that.
Posted by Anonymous on 2009-08-23:
I think Maggie has good advice. I never use any sites to bay my bills except my credit union's bill pay.
Posted by tnchuck100 on 2009-08-23:
Bank bill pay systems must also use the US mail to make some of those payments. It depends on how the recipient of a payment has been set up. Some cannot accept electronic transfers.

DirecTV, Sprint, Gieco are examples of those who likely can accept electronic payment. Your local utility company, payments to your local insurance agent would most likely require the payment be sent by mail. Yes, the bank bill pay system will do that.

Jamison, dumping Chase was an excellent move.
Posted by NickL11354 on 2009-08-23:
I never heard of that. The OP must have had a returned check if they suspended her use of making an electronic payment.

And again, no one is forced to use or carry a balance on any credit card. After the events of the past year and the recession maybe it is better to spend what you have now and not charge the $5,000 flat screen TV or that meal that you don't have cash for.
Posted by tnchuck100 on 2009-08-23:
Nick, there was nothing in the post to give the slightest reason for blaming the OP for his situation. Why do you feel it necessary to add your own facts to make this unwarranted accusation against the OP?
Posted by Anonymous on 2009-08-23:
Nick, they closed the op's account. That's why she is unable to pay on the Chase site. In case you've missed it in the news, that is happening to a lot of people lately.
Posted by Eloise on 2009-08-23:
Chuck, most utility companies offer online payment. I live in a tiny town and I can even pay my water bill online.

I think the OP can't pay online because the account is not active. Without a current account number the OP can't make a payment. What's the big deal? Mail it in.
Posted by Anonymous on 2009-08-23:
The account is active because they still owe a balance. They just can't charge anything or use the Chase site to pay the bill. They can still pay with a credit union/bank bill pay with the same account number. Otherwise, a check wouldn't be posted either.

Posted by tnchuck100 on 2009-08-23:
Eloise, I was not referring to a company's on line payment system. I was referring to the BANK's bill payment system.

Personally I will not use any company's on line payment system. Once they have your bank account information you open yourself up for unauthorized account debits.
Posted by Anonymous on 2009-08-23:
chuck, I'm with you on never using a company's on-line payment system. Risky business.
Posted by Nohandle on 2009-08-23:
Color me stupid but I still mail checks, perhaps 4-6 per month max. An example, the family owned lawn service I use I doubt uses online bill pay although I haven't asked them. Anyone who is comfortable with online payments then fine, go for it. If you're comfortable with giving a company your banking information then fine, go for it as well.

The problem I see here with JamisonS is he was accustomed to the Chase online payment features, they have closed his account with them and here he is scrambling to make a payment with no option at present but to mail a payment. What will the credit card companies do next? Your guess is as good as mine.
Posted by Anonymous on 2009-08-23:
Nohandle, I'm out of the country but am able to make all my payments to companies and individuals through my on-line bill pay with my credit union. Individuals get a check that they mail for me. I think most banks/credit unions do this. I would hate it if I had to mail a check from Singapore :) But, it does saves me postage too.
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Bad Business Practice
Posted by Douglasgibsonjr on 07/31/2009
The company canceled my credit card after I had it for a year. I never missed a payment. I was never late. I never went over my credit limit and yet, my card gets canceled.
     
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Posted by Anonymous on 2009-08-01:
Are you carrying a large balance?
Posted by douglasgibsonjr on 2009-08-01:
Zero Balance at this time
Posted by Soaring Consumer on 2009-08-01:
Chase is doing the same thing as AMEX, throwing away their good customers without cause. Voted helpful.
Posted by Nohandle on 2009-08-01:
Douglas, I don't think anyone on this website has found any rhyme or reason for the cancellations nor someone suddenly receiving a hefty increase in interest rates when he has been a good customer in the past. If someone breaks the code by all means share.
Posted by Fufu487 on 2009-08-02:
I have worked for a company that deals with Chase for their logo card, and this bank will put your account dormant if there is a zero balance and no transactions for 6 months to a year. Most of the time, the account can be easily reactivated by a simple phone call. If the account has not been used for more than a year plus, then yes your account may be closed. Keep in mind banks do this to protect you aswell, as it can be assumed your not using the account.
Posted by douglasgibsonjr on 2009-08-03:
I have been using my credit card on and off. In fact my balance just went to zero this month.
Posted by tnchuck100 on 2009-08-03:
The banks have no logic when it comes to reasons they give for cancellation. We can only surmise they are lying because their reasons are so in conflict.

1. Your balance is too high. (only using 10%)
2. Your balance is zero. (We aren't making money off of you.)
3. Your credit score dropped. (Another bank lowered my limit.)
4. Your credit report is bad. (Nothing changed in a year.)

And the real reason: They are floundering and have no idea what they are doing.
Posted by Fufu487 on 2009-08-04:
If the balance just went to zero last month then its not due to it going dormant. I'd argue about it, but sometimes that goes nowhere. Just change your business to another company :) one that values your business

tnchuck100: maybe its time to switch banks aswell......
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