I have some credit card debt just like everyone, and bills of course. One credit card is only 2.9 for the life of the loan - not bad, the rest are all 0% for the life or for 1 to 2 yrs. But I do have some balance on a couple small bills from Xmas and medical that I wanted to consolidate to one card. Why not just put all on one and be done with it. Great idea right???? I did almost miss one payment last month on one bill and let's not even go there if this does happen with a introductory rate credit card if you miss one day - the fees, your credit report. WOW, you're screwed.
Well Chase has the introductory rate of 0% for 15 months a couple weeks back online. So I went and pulled up my credit report and it was a go, should not be a problem seeing I already have one card with Chase with a small balance on it, and my credit score is over 750, so I applied. I have been doing great the last couple yrs. in getting these cards.
About 5 days later, I get a phone call from Chase at work, wanting to verify some balances I wanted to transfer - some info was missing and she need to clear it up. I ask her at this time if I did get the 15 months for 0% and she confirm that I did.
I ask her for some kind of confirmation (I cannot count how many times they have lied to me, so I always ask this) number, she could not give me one, of course, so I ask her name (real, I doubt it). She gave it to me with no problem, then I ask her for her phone number that I could reach her - no go on that one. She said it has been log into the system and anyone here can bring this up, so just call that same number and we will be at your service!!! YEH. So I'm thinking it's not a problem.
Well 1 week later, I pull up my other Chase card online for other interest and see my new balance for my new intro card on the internet but there is no other info except the amount of the card and the balance transferred that are being made.
I see only one was done, it's with my Capital One card, the one for 2.9% for the life of the loan. But they charged me $30 fee for doing this, after telling me they would not do this for the intro rate. Of course they lied. So I call up and she gets it removed. I ask when the rest of the balance transfers would happen, she said there was a problem with the others and to use the checks when I get them to pay these loans on my own time. She states the intro rate is a go and the card and checks should be there any day.
I get home that day and it's in my mail box. YES...great day...so I thought. I start reading the fine print. It says intro rate for 3 billings cycles on 0%...WHAT, 3 months? I call up. They tell me they don't even see any intro rate for me anywhere, and I'm at 22.3%. YEH BABY!!! I freak out, get their manager on the phone, and he tells me this is not true but I have until April on the 0% but still not for 15 months. I wanted to kill!!! I ask him what happened to the 15 month intro for 0%. He ask me when did I see this, because they don't show ever offering this to anyone. Yeh...I'm looking online at the same time to find it, no go of course.
So I tried to cancel and tell him why would I transfer a 2.9% balance to over 22% - this is crazy - but the check was already processed to Capital One. So we get on a conference call with Capital One and neither side can do anything to help me from paying over 22%, no stop payment, NOTHING. I find this crazy that a billion dollar company cannot do stop payment on a check.
I call back one hour later, get another manager on the phone...LOL. He does not even see the 0% until April the previous manager told me anywhere!!! He shows NO intro rate for me anywhere. NONE. He says I have to make out the checks first to maybe get the rate, and the other balance to Capital One has not been paid, say it's not there yet. Hes not sure, he has no clue! But I might get my 0% next week.
Yeh OK. That's a first, you always know what you have beforehand. Of course he does not even show of me even talking to the previous manager about 1 hr ago. What was his name, he ask. LOL. "Does it matter?", I say. I will be contacting corporate on this matter, and the BBB.
Funny but I hear this from so many people that credit card companies lie to them all the time. Just last week as a matter of fact. I wish Congress would put a stop to this by making them, just like MSN and other companies, log our conversation and give you some kind of confirmation number this took place. This is crazy that credit card companies can lie and get away with it. Now I'm stuck with 22% rate when I did have 0% and 2.9% before all this mess. Thanks Chase for making my life a pain. Thanks for reading.
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.
EVERYWHERE, CONNECTICUT -- I went to use my card (which always has money) to get gas and my card gets declined. So I call Chase customer service and they tell my account is closed. They told me they can't give me a valid reason as to why my account was just all of a sudden closed. I called 5 different people and I was hung up on by 4 of those 5. I've banked with these people for over 7 years and I've NEVER ONCE had an issue. I went Into the branch today to try and figure out why my account was closed and they tell me it's not their problem, and I'll have a cashiers check sent to me.
Chase bank and every single employee are heartless and don't give a crap about anybody but themselves! I'm taking my money to Bank of America. At least they tell you before they just decide to close your account without your knowledge!! I gave them one star because no stars unfortunately was not an option.
MILWAUKIE, OREGON -- I have had a Chase account for years. I opened my Sapphire Card account hoping to earn miles for travel. I made sure that I put enough on the card for the first 500 miles. I also made some large purchases on the card and also some every day purchases. I always paid off what I owed. I had paid off the card and had not been checking statements for some time, because I knew that I had taken a break from using the card in 2018. Unbeknownst to me, they charge an annual fee and closed my account after 30 days. I lost all my saved miles. They were unwilling to help me recover them and make it right.
I promptly closed all of my Chase accounts and am moving the funds to my other bank. I have a very bad taste in my mouth from this experience and will not recommend or work with Chase Bank ever again. I was really looking forward to saving money on this upcoming trip with the conveniently discarded account. Bad business.
FOX LAKE, ILLINOIS -- On 5/11/18 my husband just started a new job and he put 1 number wrong for the direct deposit so his deposit was in limbo. So I called the customer service number. Talked to a girl I could barely understand. I asked to speak to a manager and the manager instead of helping sent me to another person that was so brainless.
I explained my situation like 10 times he couldn't get my account number correct. I told him the number many time and he acted like he started at the bank yesterday and had no clue what and why I was sent to him and then he was so rude and unprofessional. He said, "It not our fault your husband put an incorrect number on the direct deposit" and I was like, "Duh I know that but can you find the deposit or," and he interrupted me every time I said anything and I finally hung up in him.
SAN JOSES, CALIFORNIA -- WARNING: CHASE BANK is the worst, greedy bank I have ever dealt with. I know many of you feel the same way. I wanted to let the rest of you see why to never use CHASE BANK. I am switching banks because of the rude customer service and ALL OF THE FEES they charge for any reason they can come up with. For example: Low balance, negative balance, business support, for just having a checking account and others obviously.
They charge the small business to death – literally. Because of them, we are having a hard time staying afloat. I am currently seeking another bank to do business with. One that isn't so big that they no longer care for the small business anymore (typical multi-billion dollar company). Please share this to help others avoid this horrific company.
POMPANO BEACH, FLORIDA -- Chase Bank in Pompano Beach in Citi center is no good. No help customer service. No good supervisor. Same overdraft fee. I don't have a problem paying if I'm responsible but when the rules change they don't advise the clients of the change. And when you call to get help, they just same. The rules change and they can't do anything about it. Like I said they don't advise the clients. I been with them over 6 years and they wouldn't help at all. Please read the reviews before you open an account. Thank you. I hope this help you.
PHOENIX, ARIZONA -- They have stupid rules about their credit cards. In 2006 I filed for bankruptcy. I had a Chase credit card and had paid it off prior to the BK listing so I left it off my list of creditors hoping to keep the card open. I did the same with my personal bank credit card. The reason for the BK was due to a predatory loan and high HOA fees from my condo that basically sank me.
The day I filed the BK Chase cancelled my card, even though they were not listed on the BK. I asked why and they said they troll public records and if someone files BK their cards are automatically cancelled. My personal bank did not do this and to this day I still have the credit card through them with a 26 year history on my credit.
It's been 9 1/2 years since that stupid bankruptcy. Since then I have applied for and received store credit, American Express and Discover (zero interest), Best Buy (zero interest), and more. My credit score stands in the high 700's. I recently applied for an Amazon Visa card and they use Chase. It was automatically declined and their reason? A bankruptcy! 9 1/2 years ago! LOSERS! How dumb are you guys? You are losing out on a huge segment of the consumer market.
I will never apply for another Chase card, even after the full 10 years are up for my bankruptcy. I'd rather deal with a bank or credit company that wants to help people recover from a bad situation, not continue to punish them for 10 years!
COLORADO SPRINGS, COLORADO -- My wife has a Chase Bank account. When we found out Chase would convert some Euros we had to dollars with no commission since she was a customer, we decided to use them to convert the currency. BIG MISTAKE! While they charge no commission, they cheat you on the exchange rate, BIG TIME! The going rate for Euros on the day of our transaction was $1.34 for each Euro.
Chase only gave us $1.25 for each Euro - basically charging 7% for them to convert our funds. This is such an outrageous charge, the bank ought to be prosecuted for theft. I will NEVER trust this bank again and we will close our account ASAP. DON'T TRUST THEM AND DON'T DO BUSINESS WITH THEM.
SAN TAN VALLEY, ARIZONA -- Set up accounts for joint accounts. I double checked this a couple of times over the phone. My friend passed away and they said I was only the Power of Attorney and they froze the accounts. This screwed up bills I had to pay, everything!! The supervisor was rude, very rude and did nothing but tell me it was my problem and that I was going to have to get an attorney.
I could not believe it!!! I had to pay an attorney 600.00 dollars to straighten things out because they LIED!!! If you deal with this bank, make sure they put everything in writing, whatever they tell over the phone. Don't believe a word they say!! You can bet they will never ever get my business, ever again and I will tell everyone my story.