Chase Manhattan Bank Complaint - Chase bank needs to die. I hate them! Read me!
I am beyond angry with this company. I have had a Chase credit card for a few years, and I carried a balance on it about two years ago. One day I noticed that my minimum payment had gone up, even though I hadn't bought anything or made a late payment. So I logged into my account and looked at my statement, and my interest had gone up to 21%! I immediately called and spoke to customer service, and they said they were sorry, but they couldn't give me my low rate back because I must have done something wrong. I had had an issue with another credit card, but had immediately resolved it with that company and that account was not changed at all. But Chase refused to give me my good rate back, even though I had never had any issues with them, and the one little issue with another company had been resolved right away. (How do they even find out these things?) I immediately transferred my balance, and left that card in zero. Earlier this year, they sent me a really good balance transfer offer, and since I am really good at paying on time, I thought it would be a good way to lower my interest and that I wouldn't have any more issues with them. But last month, my payment due date fell on a Sunday, and every time I have had a payment due on a Sunday, it actually gets credited and processed on Monday. So I logged on Sunday afternoon to make the payment, thinking it would still be on time, but I got a late fee and an interest hike. Apparently they process payments on Sunday now! So I called right away, and asked to be forgiven for that one late fee, since I had never had one before (the few times I've had them with other companies over the last 10 years, they have been forgiven). The lady refused to budge or even consider it. My payment had been late by a few hours, and she still refused. So, realizing it had been a mistake to deal with them again, I logged on October 8th, and paid off the whole remaining balance, down to zero again. A few days ago, I got an email saying I had a payment due, but I ignored it, thinking I was just getting the email because I had signed up for email notifications and it sends me emails the same time every month. The last time I had checked my account it had said $0.00! Well, I got another email, and decided I had better check it out, and I had a balance of over $50, and a late fee of $15! I reviewed my statement, and it showed my big over-$3,000 payment on October 8th, and then it shows that on that same day my account was charged $56 interest from the month before. I called customer service (who are not my favorite people) and told him my intent had been to pay my whole account off, and if this interest charge had been posted to my account on the same day that I made the huge payment, why had it not been included in the total? He said that the cycle ended on the 8th, so the charge was calculated and posted the following day. So why does it say it posted the 8th on my statement? Why did my account show me three big zeros on the 8th after I had made that payment? I have literally never been so angry in my life, and I have to admit I let him have it. I was shaking, full of adrenaline, and then couldn't sleep that night. I am trying to get out of debt, and I have never skipped payments or defaulted or gone into collections or filed bankruptcy, and this company has not shown any interest in taking care of customers who are actually trying! I would really like to spread the word about how horrid they are.