I travel weekly on business and use my VISA for personal purchases. Chase now routinely "declines" transactions "for my protection" until I call them to ask reason. I've told them I travel extensively and for 7 years have used it across the country with no issues. I only carry this card and my corporate card - and now cannot trust my ability to have emergency resources. They don't even ask merchant to "check ID" or call merchant services - they simply decline the transaction!!!! Two weeks in a row!
Their security people repeat that it's for my protection and offer no guarantee I can use this account with confidence that no declined transactions will take place. They offer no solutions/options to assist me. I will cancel my account next week and will never use CHASE for any credit cards again... there's too much competition for credit cards and I'm tired of being put at risk "for my own protection".
You will find my Coldwater Creek preferred Chase Visa card – all three pieces of it – enclosed with this letter, along with my personal check for the balance ($__) in-full.
For the second time in two years of card membership, Chase not only charged me what amounts to a 52% finance charge of $6.28 on my previous balance of $12.00, but topped that off with a usurious “late fee” for one day of $39.00! In my opinion, as the payment was remitted via my online bill payer account on 12/26/08, it is highly probable that it was ‘late' as of 1/7/09 because of internal accounting. Nevertheless, no one can or will remove the latter fee according to a supervisor with your Customer Relations Office, so I am merely going to refuse to pay it – and also vow to never again apply for a credit card offered by Chase Bank USA.
I realize that my one membership is not going to be missed, but I believe that the relationship between Chase Bank and Coldwater Creek may be strained to a degree should there be enough dissatisfied customers who mentally link the two in a negative manner.
I tried to make an online payment to my Chase credit card and was told I wasn't allowed since I'd already made a payment a few days ago. They wouldn't accept my money until after my due date, three days later. I called and the customer rep said I would also be charged a finance charge despite the fact I wanted to pay my bill and have every month in full.
When I asked if Chase ever warned the customers of this policy by mail or online, the rep said no and that it was my responsibility as a customer to investigate all the rules of each credit card. When I said this was not logical and bad business I was told it was not his problem. I said I would close my account since this felt like a trick to get me to pay a finance charge. I closed my account and the rep did not even care.
Do the Chase CEOs know about this? It's not just robbery, but very bad business. Didn't they just go in front of the Senate to answer charges of misleading and taking advantage of customers? I guess it's all true. Someone needs go make them pay! Cancel your credit card with Chase. I will report this to the Attorney General and any other organization. Believe me, it's not about the money, it's unethical and should be illegal. Any suggestions would be appreciated.
CHATSWORTH, GEORGIA -- I was a Chase credit card customer for a long time. Also, I recently closed out a 15-yr mortgage loan which I paid off in less than 6 years. I was never late either on the credit card bills or the mortgage loan and paid the bills in full every month.
I had been sent multiple emails for both my credit card accounts asking me to sign up for e-mail notification of the bills coming due. I finally signed up; however I didn't realize that I wouldn't be getting a mailed copy of the bill as well. I found out on March 5 that I was charged a $39 late fee on each card - they had been due on the 28th and that date passed without me noticing because I wasn't sent a bill. I immediately made payment the next day via MS Money direct payment. (Today I found additional finance charges on both accounts - $14.43 and 16.62!)
I both wrote and called asking that the charges be waived. I felt that that a reasonable establishment would understand the circumstances and be, well reasonable. Big disappointment. Both a service rep and two supervisors were as unsympathetic, unconcerned, and as arrogant as could be. All I can do is cancel the accounts (done) and fight them tooth and nail - until Hades freezes over - over the $109.05 in monthly late fees on less than $1,700 in charges. Seven (7) days late one time in many years and the lateness wasn't even all my fault. I'm disgusted with this company - both their policies and at least three of their employees.
Their applications department made an error, and created two accounts in my name a month apart. The later card created transferred an amount to another credit card I have that was transferred the first time around, and they want me to get the money back for them. An amount of almost five thousand dollars. The first transfer paid the account in full, and of course the other credit card only sees one transfer made, not two, so they are not willing to give me money back for something that according to them didn't happen.
I have to keep calling them back everyday to see if the transfer made it to them, and then hopefully they will send it back to me, so that I can send it back to Chase. My opinion is that they had no problem sending the money to the other credit card twice, and they are a huge organization that acts like they cannot communicate with a competitor, even when they make a mistake. This is how they treat new customers. A little peon like me, needs to fix an error of a huge global financial institution like JP Morgan Chase. I am looking for another card to replace them as fast as I can.
BANGOR, MAINE -- I just became a customer as they bought the Bank One credit card portfolio. My rate is now over 30%. I have had this card with a huge limit for the past 20 years, originally it was Chevy Chase in Maryland. I asked how I could get my rate back into the teens where it belongs, and was told that they had raised the rates because I did not have enough unused credit card availability. Having put two lovely children through college, and living on rice and fish heads, they are right. I don't have a lot of room on my credit cards. I still never agreed to pay those outrageous rates.
I have been a banker for over 32 years, and know that this must be illegal. It is certainly unethical. I would love to be part of a class action suit, and also part of any movement to let the credit card carrying public know that Chase is a bunch of pirates.
We switched to Chase because they offered 0% for one year. A few months later we wanted to pay it off. So we called and we were told that 6579.32 would pay it off. So we paid it off. 3 months later we got a bill from Chase for 180.00 they said we paid all but 9.00 off. So late charges and that brought it to 180.00. So we were also turned into the credit agencies for a 60-day late payment on that card. Had perfect credit until this.
The point is they told us a 10-day payoff and they somehow forgot to tell us there was an extra 9.00. How nice they are to deal with. NOT!!! CLASS ACTION ALL THE WAY SOMETHING NEEDS TO BE DONE SOON. These guys are animals that need to be taken out from doing business with the public.
Just to let people know. I have had 2 bad problems with this credit card in 3 months. Since Wamu was taken over by Chase. They just don't care. Lost my job, paid the min. 1 day late. Called them to help with the $39.00 late charge so I don't get killed, they said, "Sorry we can't help you." But of course another bank making their money and not caring about unemployed customers.
COLORADO -- I ordered a United Mileage Plus Credit Card online. If you look at www.united.com you will see that this comes with 21,000 miles and first year annual fee ($60) waived. After receiving the card, I was informed that I received 17,500 miles and I am being charged for the first year. Customer service refused to correct this despite this advertising continuing to appear at united.com.