VIRGINIA -- I applied for an IHG Chase Credit Card approximately 2 weeks ago. Yesterday I received an email telling me I had been approved. It referred me to my Chase online account for more information. I saw a new account had been added to my profile with just the last 4 digits visible. Since I need to charge $3000 in the next 3 months, I wanted to start right away with a new charge today. I called Chase and was told they could not give me the card # for 'security purposes'! Really? I had to enter the last 4 digits of my SS # to get to a representative!!
I am very disappointed in Chase... Since I am usually approved immediately when I apply for a new credit card, I was surprised when I was initially treated in such an offhanded manner (we'll let you know within 30 days) and then when approved, not given the number to use right away. I have 2 other Chase cards, pay off my bills in full monthly and have an excellent credit rating!! I would suggest Chase could take some lessons from American Express!
MASSACHUSETTS -- Had an issue with a payment being applied incorrectly. Called and Spoke to an Account Manager. Told me there was no way he could move my payment to the proper month. Said he could refund my payment then I'd have to pay again in the proper month. Huh??? Oh couldn't refund my payment until I went to my bank and had them send a fax.
Meanwhile.... In a nutshell, I had to make another payment, I'm on a fixed income, makes things difficult for me. We waived the $25.00 late fee, but that's all we can do. BS, my hubby used to work for a bank, they move money in and out of accounts all the time. They wouldn't even try to help me, I was the one that way going to have to do all the work. I've dealt with this bank in the past, I love the AARP card, I just wish someone else offered it. Will probably pay off card and get rid of account.
OREGON -- They mailed me a credit card offer in early January 2020, so I applied for it. I never asked, requested anything. After applying, I was given a high credit limit. I already have 2 credit cards, one is 5 years old, the other is 6 months old, never carried a balance, and my FICO is over 800. Chase immediately put a hold on it. I called and asked why. The lady said it is because the account is new and they want to review it. I checked online a couple days later and saw the account was terminated.
I called later and asked why. This time I was told, quite frankly, I didn't have a long enough credit history, and wasn't worthy of the card. She told me they would also mail me a rejection letter. So there you have it. THEY offered me the card first, THEY offered me the credit limit, I have over 5 years of perfect credit history, no late payments, but Chase still terminated my account before I even used it. Suffice to say, I will NEVER use Chase for anything again. I absolutely hate banks and only use credit unions. I went against my better judgment.
IOWA -- The worst customer service. I placed an order with the Rustic Flag Company online. It is a custom made product that I was told will take 12-16 weeks to make. Well guess what, the card is charged at that time. Apparently after 12 weeks Chase gives no refunds. The product never arrived, this place scammed about 10000 people. No sympathy from Chase. I read other people explained the situation to their card companies and got refunds. I was with Chase for 15 years and spent tens of thousands every year and they would not refund a couple hundred dollars. Bad investment decision on their part. I would strongly urge anyone to go with a different credit card company. This company obviously does not care at all about their customers.
I started with not so good credit with Chase, and had no problems. I have been late, and I own that, however, I decided to take my credit more serious than ever and that's when I realized they were the wrong ones. I called in to make a payment with a representative who couldn't stop talking about her cats and dogs, though she was friendly, she was not listening as I stated to her to post a payment with account 1 (I had 2 checkings on file). It wasn't until I noticed the amount had never come out, but each time that I called, they said the payment had been received.
2 months later, I receive a statement from my bank showing an NSF fee to account 2, that had been closed for approx one month. I contacted Chase and they still claimed that I was current. By now, I had made 2 other payments. The following month I notice my scores drop, and the reason was for late payment in January. I contact Chase, and spoke to almost everyone who worked there since none seemed to comprehend my issue, after about a weeks worth of calling, and them pulling the recorded call, they find themselves at fault, and send a check in the amount of $70 which covered the 2 pulls from that NSF account.
My issue is now, I must come up with $338 times 2 because my new payment is now due, plus I have to pay what I owed from their mistake... I am livid and argue with each representative demanding they listen to all the calls made regarding this, and give me time to catch up and without any hesitation I was blamed for not ''checking my account'' and the late payment stayed on my credit. Moving forward, I have caught up and paid on time, every time, then recently my vehicle took a total loss (No Gap Insurance) with a balance of 7,500 to pay off on a 2012 Nissan Altima.
This is where things got so ridiculous, until I almost needed a lawyer. My insurance calls in to get pay off, they then cut a check for 4,300 whereas the rest would come out of my savings...no problem, I need to rid myself of this loan because I need a new car. These people receive the check, look at it, and lie stating it wasn't endorsed (THOUGH I SIGNED IT IN FRONT OF THE ADJUSTER) and mailed the payment back.
15 days later, after calling several times to be sure they received the overnight check so that I can pay the balance, they explain the lie to me, I have never spoken to so many people in my life than what I experienced speaking to Chase CSR's in one week. Back and forth, lies, disputes, stress, then finally they come out with their truth as being, "We thought the check was wrongfully sent to us, and requested the info from the body shop where you'll be getting repairs." WTF!!? The FREAKING CAR IS TOTAL, THERE WON'T BE REPAIRS. About 3 weeks pass, and my insurance is not wanting to cut another check until they receive the old one, so now I am dealing with once again my credit being affected because interest is accruing, and so are late fees.
2 months later, and I am still dealing with this from the time my car was totaled, they have yet to process the 2ND OVERNIGHT payment from my insurance, I have another late fee on my report, the dept agencies get tight when you request a supervisor as if they are qualified to handle this, when the supervisors show themselves unworthy. My insurance by now has contacted Chase out of frustration and concern, and now I'm working with a supervisor named Berry, Barry (something like that) who insist that when he receives the 2nd check, he will back date it to the original, wipe out all late fees and interest accrued, and contact the credit bureau to correct it.
I feel that is most unfair, while I can appreciate that being done, I don't trust them nor should I have to wait for them to fix their mistake while I'm being incriminated of my credibility. No matter how much I expressed to this supervisor that they are the reason it's prolonged and everything should be at a complete halt, he insist that he will correct it once they receive the check. YOU RECEIVED THE 1ST CHECK AND WERE TOO DUMB TO ACCEPT THE PAYMENT, why should I have to suffer and trust you to be sure my credit isn't affected by your incompetence.
I've dealt with their attitudes and frustrations with me constantly calling, as if they are at a loss, all I've tried to do for 2 freaking months was pay you off. Because of the mistakes, and them wanting to do things ''their way'' even though they screwed up I WOULD NEVER RECOMMEND THIS COMPANY... THEY ARE INCOMPETENT AND INCONSIDERATE of their clientele, and no one should have to pay for a company's mistakes.
LITTLETON, COLORADO -- My mother's wallet was stolen, and the thief went to Best Buy and bought nearly 3,000 dollars of merchandise. We went to the police and filed a claim, and the officer saw footage of the crime based on our description, but was unable to follow up because no other identity about the thief could be found. Chase refused to refund us the money, saying the card was a chip card. I did an internet search and found out that there's chip and pin fraud all over the world now, and banks don't feel entitled to return the money because they assure us these cards are safe. Apparently, and from recent experience, they are not.
I went to the Chase Bank and explained the situation, and they said our best chance was to get Best Buy to refund us. I called Chase Customer Service (Customer Claims), and wrote a letter and included the police report, and said we could try to obtain footage of someone else (the thief!) buying the merchandise at Best Buy. They said this would not help. What they needed was written proof with a time stamp that my mother was physically present someplace else.
She was at a supermarket with us, but there was no way we could get a timestamped statement from anyone (other than us!) saying she was there. Unless you are at a doctor's appointment or something like that. Chase's policies make it very hard for customers to get their money back if a chip card gets stolen and used fraudulently. By the way, on the day of the theft, I received an e-mail asking if a purchase at Best Buy was legitimate. I clicked on "no." The purchase still went through. We have been customers of Chase since 1995, but we plan to find a different bank now. Chase did not protect us in the case of a stolen card. If a chip card was fraudulently used, it does not follow that it was our fault or that we have been negligent with your pin.
NORMAN, OKLAHOMA, OKLAHOMA -- This is the 3rd time contacting Customer Service with the Chase Freedom Credit Card. They kept transferring me after explaining why I was calling. I was on the phone for 1 hour with no results, just being turned around. They told me they couldn't fix my problem and I needed to go into the Branch. I told them I went to the Branch first and was told to call customer service. With that they kept transferring me to different departments.
I hate the customer service provided by the credit card service - it's useless trying to get anything accomplished. Apart from transferring me from department to department their representatives talked above me. While I was trying to explain why I called, the representative kept talking while I was talking. In the end they hung up the phone on me. Don't ever bank here! Their representatives are not helpful whenever you have any questions at all about your credit card.
WASHINGTON -- I opened a Premier account with Chase a dozen years ago. This requires a minimum balance of over $15,000. I forgot all about that and rarely use the account so, when I bought a car seven months ago and the balance dropped below the limit, I didn't notice that Chase was charging me $25 a month. My first complaint is that they never notified me or offered me a different service. They just continued to charge. They should have tipped me to the problem. When I called to ask them to waive the fee and allow me to either up the balance or change the account parameters, they refused. When I pointed out that they should have contacted me, they said I should have remembered the long-ago contract. Very poor service. They just lost a long time customer.
BOSTON, MASSACHUSETTS -- I've been a customer with Chase for over two years as I have a credit card with them. Recently I opened savings and checking accounts to take advantage of a $600 bonus they were promising once you meet certain requirements, one of which is keeping $15,000 in the savings for 90 days. Upon opening these two accounts, I went to deposit a large amount into the savings and they DECLINED, this reasoning it was suspicious activity. How else am I supposed to get $15,000 into the savings, then?
I later deposited rent checks from my roommate whose bank is out of state and they termed this fraudulent activity, canceled BOTH account without telling me and kept my money in limbo. After calling 6 times and spending ~5 hours on the phone they are finally mailing my money back to me (10-14 business days...). The worst outcome of all is my credit score dropped 8 points when opening the accounts and SIXTEEN when they cancelled them. This has been a horrible experience with abhorrent customer service and a scam of a bank. Do not bank here.
NEW YORK, NEW YORK -- I had been issued a new debit card for reasons I won't delve into. I've been with Chase for years and now if you lose a card, you have to wait SEVEN DAYS to get it back. As I drive for Lyft, I need my debit card to cash out the same day. After 10 days, I was still waiting for the card. They supposedly sent it out on the 19th of September, well it's the 1st of October and I had enough...(overdraft fees, charging for every little thing) not having access to my money or card was the last straw.
I went and closed my account today after getting off the phone with an incompetent representative who told me I'd have to wait another 7 days. Screw that! After closing my account with these buffoons, I took my money right over to a union bank and opened an account with them. It took all of 15 minutes to open an account and they gave me a debit card. I will NOT miss banking with Chase.