Complaint: My due date has been the 5th of the month ever since I opened the account. Last month they changed it to the 1st of May and the next one was due on the 31st of May. I didn't even notice that the date had changed until I was writing out the 31st payment and noticed a $39 late fee. By then it was too late for the 31st's payment to be on time, so there will be another late fee for that one too. Is it legal for them to move your due date up and then charge late fees if you can't make the new due date? Switching from the 5th to the 1st may not seem like much of a deal, but in order for the payments to arrive on time I need to switch this bill to my other pay check (I get paid twice a month). What can be done?

Complaint: I always pay my bills on time and in full. We left on vacation and paid the bill 10 days before it was due. They say they didn't get it until 2 days after the we mailled it. They charged us a $39.00 fee and interest. They wouldn't revers it. CHASE is terrible. I cancelled the account.

Complaint: 8-7-08 I just transferred my balance from AT&T Universal card to Chase, with a 0% offer. I paid the first payment 3 weeks early and double the minimum. I didn't pay attention the next month and didn't receive a bill. Got a bill the next month with a $39 late fee and they had raised my interest rate to 7.99% I called customer service and the girl was very snotty. Saying we mailed the bill on 7/3 and it did not come back to us (Like I'm sure they track all their mail.) so the interest rate must stand. Then I opened a can of whoopass on her. I said, "No, this is crap. You guys don't send out a bill so you can falsely charge late fees and raise the interest rates. I want to talk to a supervisor immediately." Supervisor said she could remove the fee and put the interest rate back at 0 if I brought my account up to date today. So I did. She also said if they didn't get a payment on time each month, the interest rate would go up. So, I have set up a reminder to make sure I have a bill from them each month by the 10th. I probably got charged a phone pay fee, although they kindly did not advise me of this. We'll see if the payment gets posted, the late charge gets removed and the interest rate is reset on my next bill. I hate institutionalized theft!!

Complaint: My total bill for last month was $130.00. The payment was due on July 17. I mailed a check on the 12. I received the bill for today and they has added a $39 late fee. I now owe $169.00.I called and was told that they did not go by the post date. Since when does it take 5 days for priority mail to arrive. The government goes by the post date. This is Usury anyway you look at it, and if Congress bails out any more banks it is time to vote in a whole new governmental party that will be concerned about the people not big business. 4

Complaint: In March 2008, I applied online and was approved for a Circuit City Rewards Visa Card. The impetus for the application was the advertisement for “No payments for 18 months” for flat screen TV’s. Unfortunately, the television I purchased malfunctioned after 5 days. I returned it and purchased a different television. This purchase was near the end of the month of March. A week later, I noticed that Circuit City offered a new promotion “No payments or Interest until 2010” . As this promotion was within a week after I purchased my television, I requested that my purchase be afforded the benefits of this promotion. The customer service person agreed and said the changes would appear on my next statement. I then purchased another flat screen television under the same promotion. At this same time, I made an online payment of $500.00. This payment was for the incidental charges that were on the account not related to the televisions. However, the billing statement that arrived indicated that this payment was applied to the promotional balance. I called customer service to get clarity on the matter. I was informed that the policy of the account is that payment is applied to the promotional balances first. I explained that given that the promotion was for “No payments or Interest until 2010” to have a policy that negates any promotional marketing is tantamount to false advertising. It was to no avail. The misleading policy applies to my account and remains in effect. If Circuit City is allowed to offer a promotion that is contrary to Chase’s bill payment policy then something needs to be changed. The question that becomes glaringly obvious is how large is the class of people who have been victimized by the dual standards of Circuit City and Chase card services? If you say “No payments or Interest until 2010”, it is unconscionable and should be illegal to have a separate policy that negates the spirit of the promotion. All payments made prior to the expiration of a promotion should be applied to the current payment unless the promotion specifically calls for payments to be made.

Complaint: July 27, 2008 Chase Credit Cards Cardmember Service PO Box 94014 Palatine, IL 60094-4014 Chase Credit Cards Cardmember Service PO Box 15299 Wilmington, DE 19850-5299 To whom it may concern: This is the third time I have demanded that the new credit card (...8468), which is not mine, and never has been mine, be removed from my online account. Since I have not heard anything from Chase in the last month, I can only take it that you have chosen to ignore my repeated demands to correct my account. Therefore I am forwarding copies of this letter and supporting documentation to the appropriate oversight agencies. Restatement from letter of 6/28/08: I have talked with several Chase Customer Service staff this month and I keep being reassured that everything is OK. I am still very concerned about what has happened, so I am putting my complaint in writing for documentation. When I paid my bill due 6/2/08 via chase.com, everything looked all right with my online account. When I went to pay my next bill, I found that there was an additional credit card (...8468) listed on my online account with a balance due of over $4,000.00. This new credit card (...8468) is not mine, and never has been mine. One of your representatives told me that you (Chase) closed a different credit card belonging to someone else, and opened this credit card (...8468) in my name and within my online account. I was also told that this was your normal method of investigating. It seems strange, and I suspect illegal, that you (Chase) are allowed to simply indicate that I owe you for a credit card (...8468) that is not mine, and never has been mine, while you investigate someone else. I demanded that the new credit card (...8468), which is not mine, and never has been mine, be removed from my online account. I was told that it was not possible to do that. Sincerely, XXXXXXXXXXXXXXXXX cc: Better Business Bureau Federal Bureau of Investigation, Internet Fraud Department Federal Deposit Insurance Corporation, Consumer Response Center Federal Trade Commission, Bureau of Consumer Protection, Division of Credit Practices Federal Trade Commission, Consumer Response Center Internet Crime Complaint Center Office of Thrift Supervision, Consumer Programs Oregon Department of Justice, State Attorney General Hardy Myers Oregon State Representative Kim Thatcher Oregon State Senator Larry George U.S. Department of the Treasury, Comptroller of the Currency, Customer Assistance Group United States House of Representatives, Representative Darlene Hooley United States Senate, Senator Gordon H. Smith United States Senate, Senator Ron Wyden

Complaint: Apparently Chase Bank charges $14.95 for a person to PAY a credit card bill online from their Bank account. Isn't that outrageous? I paid THE ENTIRE $1000+ BILL EARLY since I was going out of town -- I paid it online from my Bank Checking account, as I do all my bills. When I called "Pier One" -- really CHASE BANK -- they said if I didn't pay it, my credit would be affected because it would be reported. NO OTHER INSTITUTION I KNOW OF CHARGES YOU FOR MAKING A PAYMENT. (It even costs less to process a payment online than it does a check) The person answering my call was only doing his job. THE MANAGEMENT HOWEVER IS MAKING A POLICY I CONSIDER GREEDY, OUTRAGEOUS, PREYING ON THOSE WHO ARE JUST TRYING TO GET BY, AND WRONG. SHOULDN'T WE DO SOMETHING ABOUT OUR NATIONAL LAWS AND POLICIES TO CURB SUCH ILL TREATMENT? WE HAVE LAWS ABOUT DIRECT ROBBERY. MAYBE IT'S TIME TO CONSIDER LAWS ABOUT INDIRECT ROBBERY. CERTAINLY -- TELL AS MANY PEOPLE AS POSSIBLE ABOUT CHASE BANK... AND ALL THE OFFERS MADE VIA/through OTHER INSTITUTIONS -- UNFORTUNATELY IN THIS CASE -- PIER ONE.

Complaint: Chase Bankcards calls me many times per day starting at 8 AM until 9 PM. I have spoken with them explaining why we cannot pay. I have told them they may no longer call. I have threatened legal action. They continue to call, sometimes every 10 minutes, often more than 10 times per day.

Complaint: I pay my Chase bill in full every month. My father died in June so I was 3 days late and agreed to pay the late fee. My July bill I pay in full 1 week early. I do not charge anything in late July or August, but I receive a bill September for almost $10.00. I called and checked on it and the customer service was so rude. She said her name was Rose. She told me it was finance charges from June. I said I paid that in July. She said it takes 2 months for it to show on the bill. I was also charged $5.00 for not using my card. I told her to cancel my card and she said she would. I asked to get my ! cash back (% money you get when you use your card) which was over $100.00. I was told since I cancelled my credit card I could not get that back. I said I accumulated that money and I should receive it. I was laughed at and was told I should not have cancelled my card before I received my check. Then to top that off, I was told because I did not cancel it before Sept 10 I would be charged another $5.00, and if I did not pay it it would go against my credit rating. Then she started laughing, and when she thought I hung up I heard her say "people are so stupid, I would love to ruin her credit for just $5.00, I hope she doesn't" then the phone went dead. I am now waiting to talk to a supervisor and I've been on hold for 65 minutes.

Complaint: Here is another Chase horror story. I have three credit card accounts with them. These accounts were originally with different banks. Chase bought these banks and they became Chase accounts. The accounts were utilized 20 to 40 percent of their limits. First Chase raised the purchase interest rate from 7.99 and 9.99 to 29.99 to 32.99 percent. This did not matter to me because the balances on the cards were special balance transfer offers. I did not use the accounts for anything else. I would pay the accounts on time by going to the branch office. They moved the payment dates, I still paid on time. So one month, they quietly cut all three of the account’s credit limits to within one hundred dollars of each balance owed. Now remember I never paid late on any of their accounts or anyone else’s. I did not receive any advance notice. The only reason I became aware of their action, was because I checked the accounts online. The result of their action hurt my credit score by making it appear I have three maxed out accounts and my utilization ratio increased. Other banks would not offer me favorable rates! Also if there were new charges in that month, I would be assessed an over the limit fee! I checked my credit report and found they preformed an inquiry known as a hard pull without my permission. This action also hurts my credit score. Customer service could not provide a reason for the bank’s actions. I paid them off and kept the accounts open. It’s better to keep them open, the utilization ratio looks better and the age of the accounts helps my credit score. I keep a close eye on the accounts for any more tricks they might try. What Chase does is unethical and sometimes just plain illegal!!!

Complaint: When I got my Chase visa card the rate was 9.99% but as the months went by I notices the rate increasing. After have the card for just over a year the rate was at 26.99%. Every other month I got charged a $39.00 late fee. I always mailed my payment no later than 10 days before the due date. When I called customer service about the late fee (they were not helpful)saying that payment was received 2 or 3 days after due date. When I checked with my bank, payment cleared several days before the due date. When I finally got the late fees credited, I decided to pay off the balance and close my account with Chase. A month after closing ! my account I received a statement showing a credit balance of $56.94 and I could request a refund by contacting Cardmember Service at the address on statement. I mailed a letter (certified) requesting the refund of the balance. Two weeks later I recieved a letter from Chase saying that they are unable to to process my request since my account is closed but would be happy to help me reopen my account. What a munch of crap! I spoke with a friend who's a lawyer, she told me that by law Chase must send the refund check within seven business days of recieving my written request. I sent a 2nd letter to Chase stating just that. 4 days later I got a check in the mail for $56.94. I deposited immediatley. I was to late. My bank called saying that the check had a Stop Payment. I called Chase, after being transfered from person to person since no one seems to know why a stop payment was placed on the check, I asked to speak with a supervisor. Supervisor informed me that the check had b! een cancelled bu he would have a 2nd check mailed out. When I asked wh y the check was cancelled, he did not know (did not want to say). I got my 2nd check & this time it cleared. I will never do business with Chase again, they conduct illegal business practice.

Complaint: Chase is ripping off consumers right and left. Their most recent offense, which I won't bore you with the details but it involved a balance transfer from another account and the Chase transfer fees, left me so pissed off that I called them and cancelled every Chase acct. that I had. Some of which were over 20 years old. I had no late payments or over limit fees. It only makes me madder still that I can't cancel my mortgage through them. But, I still have a balance there. The only other card that could be worse is Discover Card. They're also a nightmare company.

Complaint: While in Las Vegas, I applied for the MGM MIRAGE Visa through Chase for a free T-shirt. The card arrived about 1 month later, 6mos no interest, then 13.99% thereafter, $7000 credit line...quite enticing. Exactly 1 year later, I got a wonderful letter stating my credit limit was being reduced to $5500, that was awesome considering I had a $5900 balance. The following month I was charged the over limit fee, imagine that. I used most of my tax refund to pay the card down. In Sept of 2007 I had a balance of $2300. What did I find in the mail? Another lovely letter from Chase, my intere! st rate was raised to the default rate 29.99%. I have never paid Chase or any other creditor late. I called to ask how this increase was justified, the answer....Balance to credit limits on ther accounts is too high. Keep in mind, none over my cards were at or near the limits.. Beware...

Complaint: Up until May, 2007, I had regularly been making more than the monthly minimum payment on my Chase VISA credit card and had an interest rate of 12%. Due to a miscalculation on my part in my Internet banking payment setup due to a weekend occurring in the cycle, I was late one time, by one day. With total disregard for my payment history and my obvious over-indebtedness to Chase, my interest rate was automatically more than doubled and increased from 12% to an unbelievable 29.99% and my monthly minimum payment increased by 25%. Still having a few thousand dollars left on my credit limit, Chase graciously continued to send me credit checks and encouraged me to use them. At 29.99% interest, I had to be either crazy or desperate to continue to increase that debt. I regret to say that out of desperation and necessity, I had to use the checks. At this point, I suddenly realized that my monthly minimum has almost doubled, making it virtually impossible for me to make that size payment on a monthly basis in the obvious financial crisis I am currently in. Having been late one more time, I now find that my interest rate is now 32.99% and my monthly minimum payment is now almost triple the amount it was in April, 2007. This is an absolute travesty and a perfect example how the US Congress, The Bush administration, and the financial institutions of this country have totally and completely abandoned the American consumer, who for the most part have worked all their lives to maintain some semblance of a decent livelihood for themselves and their families and from time to time use credit to enjoy a few of the luxuries readily affordable by the presidents and CEO’s and the management of banks and credit card companies,. I am now faced with the prospect of bankruptcy or other debt relief solutions which will no doubt ruin my credit for years to come. This is precisely why there is a public outcry against the federal government doing anything to assist Wall Street and the financial institutions of this country to continue these kinds of practices. It’s the American consumer who needs a bailout here, not predatory and unfair companies like Chase.

Complaint: Chase's Amazon Visa offered me "Payment Protector" IF i cashed a $20 check they send me...deposited the check in my account and never saw the money appear on my statement...but they charge me fees for it!!! So, i lose my job in mid-May, and this alleged "Payment Protector" is suppose to kick in IF i knew i had it and contacted them, but since they never put the $20 in my bank account [as well as the $10 in a promo offer for using my credit card to buy a Metrocard]. In May i paid $50 ABOVE the minimum balance, in June, $72 ABOVE...in July, $17 ABOVE--all this time my minimum balance is steadfastly GOING UP! In August my minimum balance was THREE TIMES as much as it was in May, and since i was still unemployed and my savings were almost totally depleted, i paid $34.37 UNDER the minimum payment...the FIRST TIME i ever underpaid on my card! September's MINIMUM was for $210.04, a full SEVEN TIMES THE MINIMUM i was paying in May, and for this month it's more than TWICE what it was in September. Are credit card companies immune from USURY LAWS??? Since i'm now gainfully employed again, i was able to pay them $100 this month, but that's NOT GOOD ENOUGH for them. Good faith doesn't seem to appeal to these people...so why isn't New York State's maverick Attorney General Andrew Cuomo investigating THESE abuses. Guess there is no bailout for the HONEST little goys trying to be honorable and pay their debts off. Maybe the Justice Department should be investigating the LEGALIZED USURY that JP Morgan Chase is committing?

Complaint: My husband went to the store the other day to find out the credit card was canceled. We have had no late payments with Chase and only have used 1/4 of the available balance. After an hour on the phone , they are not even intereseted in lowering the available balance to the amount we owe. We had some financial problems with other cards and are trying to get everything paid off. We cancelled our other credit cards and made sure that this one was kept in good standing. They won't even work with us. After listening to the news and that Chase is listed as one of the 9 biggest banks getting money from the gov! ernment, I was even more furious. They get the help and we will not see any of that trickle down to help us!!

Complaint: Beware of an unauthorized "EPAY" fee for paying on-line. Today I opened my Chase statement and noticed an $14.95 EPay fee for paying my bill over the Internet. I called to inquire about this little surprise. Get this. My bill is due the 9/27 (Sat). Accordingly, I made the payment on 9/25. They tell me not only did I make the payment on 9/26 but that I also "had to have" authorized this fee to avoid a late payment fee. I told them I didn't authorize any EPay fee. Thus, this is the bottom line: My record reflect I paid on 9/26, the day before the due date AND I'm assessed a $14.95 EPay fee. I asked two "customer service" (right?) reps if this was waivable. Both told me no. I wanted to talk with a supervisor. The first told me no way. The second permitted me. After, again, inquiring into the questionable fee, I asked that my account be closed. No problem. Then I asked if it could have been waived. He (Adante Beasley) told me "Sure. I could waive that ... but you didn't ask me to. Now I can't waive it because your account is closed." In the interest of customer service I asked him why he didn't simply offer the waiver and not frustrate the consumer. He simply repeated himself again that, "You didn't ask me." This company is excellent at putting the word "Cuss" in Cuss-tomer service. Buyer beware.

Complaint: I got a Chase Continental Master Card. I signed up for internet payments. I made my first payment, balance in full, over $1000. Payment posted and it seemed ok. About 3 days later, payment was returned for inaccurate account number. I immediately called and payed with a rep online. I later discovered my credit limit was reduced without notifying me. Thank goodness I just happened to check online before I used it, or I would be adding over limit fees to my complaint. Now when I make the payments online, the payment shows, 2 days later it is out of my account, but my available credit takes 2 weeks to update. This has been going on for months now. Also, eventhough I pay my account in full each month, I kept noticing finance charges. I called and they remove the charges and apologize. The same cycle repeats next month. Everytime I call customer service to complain, they try to sell me crap. I had the account for 4 months and called customer service over a dozen times. I got my miles and a free trip, but be careful, dont cancel until after 6 months, or they will take the miles back. Also, annual fee was supposed to be waved and was not. So long story short, my round trip to Alaska inding up costing me about $80. I guess its not bad when you look at it that way. No wonder we had to bail out these banks! When I called to cancel, they seemed to not even care. I said I wanted to close my account because of such poor treatment, they said, "Sorry to hear that, anything else I can help you with?".

Complaint: Have been with Chase a while. Always made payments on time well before the deadline. Recently been hardly using Chase and when the statement came, it was for a small amount. Decided to make payment on the due date itself but forgot till later in the day. When I went into their web-site to make the payment, it told me that it was past the time, shd have posted it by 4pm eastern time !!! What?!!! Due date isn't done till mid-night! There was an alternative though - get this !!! - they could do it with a fee of $14.95!!! Had no choice but to go this route, didn't want a bad credit history!!! Do they want customers or n! ot during this time in history?

Complaint: After years with Chase we finally are ending it. We had a company that would not stop billing us monthly. We had contacted them month after month without luck. Chase was absolutely horrible through the entire process. They were a pain working through the chargebacks. Then we finally had to close the account (still keeping all of our transactions through Chase with two other cards). Months later we were sent a bill showing us owing an amount they accidently over credited us. It also came with a stiff penalty and interest amount due. After an hour on the phone with several people they finally sent the issue to the dep! artment where the mistake was made. No resolve and a month later they pulled the reward points from both cards leaving none left. Since we ran a large amount through this card guess who is having a belt tightening holiday?

Complaint: This company has no recourse to solve consumer complaints. The initial problem started on my end...I did a 24mo no interest program. I miscalculated my auto bill payer. I had the same payments sent monthly (on time every time). The last payment was for the incorrect amt & I then waited on a bill with the 0 balance. Due to my own error, the bill came in & I thought it had crossed in the mail w/my payments sent in. They forgave my delay & deducted the $35.00 late fee, but then charged the full amount of interest due for the length of my purchase (over $900.00). After trying repeatedly, with no response fr! om several messages left for management, I decided not to risk my credit scores & pay off the damage. I called & got the final balance due. I paid that amount in full by phone. I was informed that there would be a 9.95 charge to do this & it would show up on my next bill. I immediately scheduled a bill pay for that amount. Today, I got a bill for $19.99. It does not reflect the 9.95 payment due to the billing cycle. My bill as of this morning 11-24 was $10.04 (interest on the charge of 9.95??) I called & again, had to ask for a manager. This time I got one & she says there will be a credit of that amount showing up on my next bill. I will believe it when I see it. I am closing this account as fast as possible, that's for sure. As an aside, my brother had a problem with this same company over 10 years ago.. I thought it was just his fault due to his age & lack of credit experience. He eventually got a lawyer involved & sued them. It worked. They had to make am! ends & repair his damaged credit. I believe it is time for all of us t o rethink our purchases. Don't buy today, and pay tomorrow--it's not good business.

Complaint: There are a bunch of morons working at Chase. The most I ever earned in a year was $32,000. But, just because I subscribed to Barron's for $26 a year, and then Barron's allowed me to extend my subscription for another year for just $1, right away Chase assumed that I was a millionaire. (don't you always see the Barron's commercial on TV where they claim that the average net worth of the people who read Barron's is 3.2 million dollars?) After I became a subscriber to Barron's, Chase sent me an application for a pre-approved VISA business card. I filled out the! application. For my employer, I wrote down my real employer. I wasn't self-employed. For my annual household income, I wrote $50,000. ($28,000 for me and $25,000 for my roommate) Chase gave me a business VISA card with a $20,000 limit! Is that stupid or what? Then, Chase proceeded to approve $12,400 in transactions over, and above, my cards credit limit! ($32,400) How, or where in the world, was I supposed to come up with the funds to pay down $32,400 in credit card debt just on one account? What about all of the other credit card accounts that I was paying each month? What about the rent, food and utilities? These jerks expected me to make a $12,400 payment just to bring my outstanding balance on the Chase VISA business card back down to the $20,000 credit limit! Who the heck in the world can make a $12,400 payment on a credit card when they are only earning $28,000 a year? Why do we have credit limits on credit cards? Why not just give every person a credit card that has! no limit?

Complaint: I tried to change to have my bills on-line but then changed my mind. I got a new email. My Chase visa was set up to bill on-line and I forgot about that account (balance was about $500). Five months later they called me and told me they wanted the payment in full immediately. Then I found out they had reported me late to the credit bureaus 3 times. They had been charging high late fees and increased the interest rate. They HAD my phone number and address the whole time but never called or mailed ANYTHING! Now I have a bad credit report. When I asked to change back to paper bills, ! the guy told me that "this takes time." Why???

Complaint: I had used Chase cash advance checks with a low interest rate for the life of the balance to pay some medical bills. I have paid ontime evey month, and in fact had set up an auto payment directly from my bank to pay $20 over my minimum payment every month. I admit, I didn't look at last month's bill because I knew it was being paid out of my account. Little did I know that they doubled the minumum payment for no reason. Payments had been made on time and the balance was lower than the month before. Of course, I made the usual payment and not the new minimum payment. Now I have been charged late fees! and they have raised the interest rate on the balance from 3.99% to 27.24%. Do I have any recourse?

Complaint: Chase Bank has conducted the most unethical credit card scam that I have ever seen. My account was in good standing and there was no reason to go up on my interest rate. Nevertheless, Chase sent me a notice that my interest rate would go from 4.99% fixed to 13%. This is criminal. As a result, Chase has turned me into just another fool with nothing to lose. I have no intention of ever paying this company one red cent again. In this market, it does not matter if they ruin my credit. I could not get a loan anyway. Furthermore, I have a house and just bought a car. I really don't care anymore. By trying to extort extra money ! from me, they have made me into their ultimate nightmare-someone who could care less.

Complaint: I have had a Cabela's Visa through Washington Mutual back (WAMU) for two years. Recently they were purchased by Chase JP Morgran, and as soon as the deal was done they raised the rate on the card by 5%. I have never missed a payment on this or any other card. It is just their way. This happened on one prior occasion when Chase purchase another CC company I had a relationship with. Chase charges some of the highest rates for customers with no credit issues and their customer service is poor.

Complaint: The credit card issued by Chase bank start to charge "extra" financial sevice fee for you to keep the life time rate which you make a balance transfer previously. They increase the minimum payment due from 2% to 5% to any customer who has good record for payment history too. we already had been charge the transaction fee at the moment we transfer balance and get this life time rate that they promise at the time we transfer. Now they told their customer if you want to keep this rate you have to pay service fee evry month and that is $10 dollar per month. My interest for that account is only $26.00 per month and they charge me $10 dollars per month to keep this life time rate that they promise to customers. I got above information after I made a call to their representative. Does this mean something to Chase bank? who knows? you better watch out you credit card stmt. Don't be fooled by them.

Complaint: I have several Chase accounts including 2 credit cards and an auto loan. All accounts are current and always paid on time. ALL of my credit , Chase or otherwise, are up to date and I have not had a late payment in 20 years. I recently was notified that they were changing the terms on one credit card account which has a 3.99% interest rate on a balance transfer for the life of the balance until paid in full. They have increased my minimum payment by more than double and imposed a "service fee" of $10 a month. When I inquired they offered to change my terms to a higher promotional interest rate of 7.99% until 2011 at which time my rate on any oustanding balance will change to my current purchase rate of around 9.0%. Essentially they are trying to force me to accept the less attractive interest rate by dramatically increasing my monthly minimum payment. I transferred quite a sum onto this card based on the low 3.99% balance transfer offer that they sought me to take and which accepted based on those terms. Just need to vent although I am unsure what I can do about it. if anyone has any ideas, please email me. Thanks.

Complaint: This has not only happened to me by this bank, but my sister also. In early November I thought I had paid my credit card in full. I paid the balance before the due date and with the holidays and all, didn't think to check it again not to mention the whole house was down with the flu for over two weeks, it was hard to just get through the holidays. I never received a statement that I know of, and I don't lose statements. On January 2nd, I sat down to pay my monthly bills and decided to check on this account. I don't know why I did, but I just did. To my Horror I had a balance due of $55! .65 of which $15.00 was a late fee. All I can figure is there must have been some interest and finance that was not included in the balance at the time I paid off the card. The company did remove the late fee. But they jacked up our interest rate to 28.99% and said they could not reduce it for any reason, but I had a now a $15.00 credit that they just wanted me to use up by charging something!!! Are they crazy? I didn't want to take another hit on my credit score so I left the account open, but I'm sure not using it. They said to wait 6 billing cycles and ask for a reduction then. I asked them to send me my credit, bet they don't give interest!

Complaint: I have been paying off entire balance, so I did overlooked the statement. I found that they have been charging me finace charges various amounts for last several months. in addition, I maild the full balance 18 days earlier via USPS, but they claim that they recieved just one day later than the due day and charged me $39.00 late fee. Does anyone know where I could complain against Chase Master card? They refused to refund me for these wrongful charges. I have never heard such nonsensful charges. Please advise me if any one knows the authority I could compalin against Chast Master Card.

Complaint: I found out that they cancelled my credit card when I went to use it yesterday. I was given no reason. I was not over the limit, late, or ever missed a payment. My card expires the end of the month and they said they weren't going to extend me credit anymore but I could still pay on my account. Sweet. I owe $161. Is there anything I can do about this?

Complaint: My wife was looking over her current statement and found a $10.00 service charge attached , as well as the minimun payment having increased from $145.00 to $358.00. Having never had a late payment and a balance of only $7167.00 she called to find out what was going on. She was told that because she had two promotional rates, one for 3.99% on 1,719.and 4.99% on $5,491, that they were allowed to increase the minimum payment and add the monthly "service charge" to enable the customer to pay off the balance faster. If this was unacceptable then they could combine the amounts and 'allow' her to pay off the balance at her old minimum, but at her purchase rate of 7.99%. Supposedly they were doing this for our benifit. My next question would be how long til the arbitrarily raise the interst rate to 12 or 14%, hich is what they did with my card in the past, which is why I no longer have a Chase card.

Complaint: I pay my bill online. In early January I checked my balance and paid it IN FULL. When I got the email telling me my current statement was available (on 2/10/09)I logged in. I was surprised to see a balance as I had not used the card since paying it off. And I saw that a late fee had been put on AFTER I had last paid the card in full. So I called to ask about that and was told that since I made the payment fairly early in January - before they were done computing the average daily balance -that amount had then been added onto the card and since I did not pay that at the time payment was due - I was late. I stated t! hat there was no way I could know they had added anything onto my account since I had paid it in full. I foolishly aske WHY they would add to it since I had PAID IT IN FULL. I asked them to remove the late fee. They said NO. They are complete predators and I'm incensed that they were given our money as part of this bailout.

Complaint: For many years I have held 2 credit cards and a mortgage with Chase.Both my credit cards have fixed rates of 7.99%.I have always paid on time and well above the minimum payment.Recently I paid down the entire balance on one of them.Recently I was notified that my interest rate on the one that I still carried a balance on would be increased to 11.99%.A representative informed me that this was due to "market conditions" and "to maintain profitability on my account".I was told my only option was to close out the account.This is an outrage.What is the point of having a fixed rate if the bank can just arbitrar! ily increase it whenever they see fit?

Complaint: I made a 2600.00 payment on a Wednesday nite online. Friday booked a cruise. Monday was notified by cruise line the credit card payment was declined. Called Chase. 2 days after they processed my 2600.00 payment they dropped by line of credit to 2300.00, so the payment I made went toward the balance of the credit line they reduced without due process of notifying me ( the letter is in the mail). Now all the other arrangements such as flight and hotel accomodations had to be cancelled because of this. this doesn't seem legal to me. How can they reduce my line of credit after me paying more that half the total of the amount due, and post that payment to my account without notifying me by phone or email or something quicker than a letter in the mail?

Complaint: Ihave a chase visa that had about a 11% interest rate. i do my payments through the mail. Iwas wondering why i hadnt recieved a bill in december.i had a balance of about 900.00. i should have shecked online,my bad. then i started getting daily calls when i wasnt home. finally i called and was told i was late. i asked why i hadnt recieved a bill and was told they had my address wrong.imagine that. So i made a payment over the phone of 114.00 on 12-30. son-of-a-gun if January didnt go by without recieving a bill.Finally on 2-5 igot a bill. So i was charged 2 late fees of 39.00 + my interest r! ate went to 29%.(rediculous). So i owed a payment of 140 something. i wonder how many other addreasses have been gotten wrong. i transfered my ballance to another company. Also dont over draw on your checking account at chase if you have overdraft protection with a chase credit card. If your are overdraft say,20.00 they will charge your account 50.00 plus a fee plus 19%interest. I hope the place goes bankrupt!

Complaint: Now twice past three years, Chase will sign me up for "Payment protector" which automatically charge extra to "protect my balance" from future payment failure. The SCAM is that they will sign up, send a letter to ask the card holder to reply back "IF YOU DON'T WANT IT". The TRICK is that the letter has no specific attention to it and THEY DO NOT TRY TO ALERT THE CARD HOLDERS, so IT IS VERY HARD TO PICK IT UP UNLESS YOU LOOK VERY CAREFULLY TO THE STATEMENT. I THINK CHASE (of all cards I have had) IS THE WORST AND MOST CONNIVING COMPANY I HAVE EVER DEALT WITH. NEVER USE THEM AT ANY COST!!!!!!

Complaint: Chase recently charged me a late fee of $39.00 on my credit card and increased my interest rate from 0% on my balance transfer ti 29.99%. I paid my payment that was due on 4/30/09 on 3/23/09 because I was going on vacation and did not want to worry about paying bills while on vacation. I was told that payment was made 8 days to early so they chose to apply my payment to March which I had already paid on March 10th therefore making my April look like it was never paid. Chase's customer service has been no help and the supervisor Tony Terry informed me he would not remove the late fee or lower my rate back down. He informed me that it was my fault and not his I should have called and asked if I could pay early. I have a mortgage a home line of credit an HSA account and my teenage son has a checking account with Chase in addition to my credit card. All of which I will be transferring to another Bank and I am doing a refianance on my home with Wells Fargo I feel after 10 years with Chase that if they do not value my business and choose to collect that $39.00 late fee they do not deserve any of my business. Tony Terry the supervisor at Chase agreed my business in not valuable to them. Hey Tony not sure if you have any type of education but simple math would tell you collecting $39.00 and a months worth of high interest on that credit card does not equal to the $600.00 a month you were making on my monthly interest on the Mortgage which will now be with Wells Fargo. Congrats Chase you win you got to collect that late fee!

Complaint: I got this credit card 2 years ago and have had nothing but trouble. I originally got it to purchase a digital camera for Christmas. I ended up making only two payments to pay it off. I didn't use it again until August of 08' to buy a lap top. I wish I paid a different way. I only used it because they said if I did I would get 3 months no interest, no payments. They started billing me right away. I went rounds with them on that for 3 months. They kept trying to charge me. There customer service is the WORST! You can't understand them so comunnicating is hard, they have ! canned answers for everything, and they don't communicate within the company. I got past that and started paying online. They would send me a monthly statement via email. Then Circuit City closed and I wasn't getting any emails. I tried getting on to the site I used and it said CLOSED. I tried calling the 800 but they want to charge me a fee to pay. What? I should be charging them for all the time I spent. So, I get a letter in the mail saying they tried to send me an email and my email was not responding. Now the bill is late and my rate has gone up to 29%. My email has been the same for 4 years and I continue to get emails every day. Another month goes by the same thing. So, they want $35.00 late fee plus $11.00 finance charge each time. They keep telling me to go onto chase online banking. Hello it doesn't work. I finally wrote a certified letter explaining the situation. They sent me a generic letter telling me I have to pay the fees because I was late. Now, each time t! he letters come they arrive after the due date. I paid off what I owe on the lap top balance but, I shouldn't have to pay all these added fees for their mistake. Oh, since then I get other emails from Chase regarding using my card at Best Buy etc. How can I get those emails but, not my online statement? They are the helpful at all.

Complaint: I have had credit cards with Chase for over 6 years, always paid as agreed, sometimes minimum payments, sometimes paid off in full, lately only the minimum payments. Recently I have experienced a major decline in income and instead of drawing cash off of one of the cards to make minimum payments, I let the payments slide. I am only 45 days behind on 3 of my credit cards (all with Chase). Chase has been calling me every day to see if my status has changed, which it has not. Today I received yet another call from Chase and I decided to pick up instead of just letting the call go to v! oicemail. The first thing said to me was; "This is a courtesy call to let you know that we're turning this account over to an attorney in California to sue you for the amount due on the card". The caller then told me that the reason for this is because numerous times I had not even made the minimum payment. This is untrue, it took me at least 5 minutes to get the caller to admit he had made an erroneous statement. After advising the caller that I had no money, he again told me they were going to turn this over to litigation. After many minutes of being reminded and berated for being 45 days behind, the caller asked me if I could miss a mortgage payment to make my credit card payment. I told the caller that I was not going to become homeless because of Chase, and that what he was proposing was not good sense. I then finally told the caller that I would try to make a payment of $150.00 to the account online later today, but the $150.00 would be money that I would be taking a! way from buying gas to try to find a job, or to buy groceries to feed my family. After making this statement, the caller focused on getting me to committ to giving even more money to Chase regardless of what it may jeopordize, ie; my home, car, groceries, utilities, etc. Chase is a relentless, uncaring, unfeeling company and I told the caller that this was how I felt. I also told the caller that I would never again do business with his company, and that I would inform every person I know of their tactics. I also predicted to the caller that his company would be going out of business because of their attitude towards a good customer that happened to fall behind 45 days. If anyone reads this and is considering opening an account with Chase Credit services, or putting their money into one of Chase's banks, I respectfully request they reconsider and use another company. Chase is the most unreasonable, uncaring, inhuman company I have ever had the displeasure of doing business with.

Complaint: I got the AARP Chase VISA card because of the low interest rate. I charged up a large balance (all pre-planned) and I have been paying it off on time every month. I thought with the name AARP on the card, Chase would not have the guts to pull a bait and switch on the interest rate. There are no perks rewards programs on this card, so I figured that was the way that Chase kept the interest rate low...No, it was just to lure people into charging up a high balance and then changing the rules in the middle of the game. I was a fool to use Chase, and I was a double fool to trust AARP.

Complaint: My credit card went from 8.5% in Jan to 22.5% in April. Is was not an introductory offer. I have never been late and have always paid more than the minimum. When I called to ask why I was told it is in the fine print and that they can. Beware when you deal with Chase!! You can probably find better customer sevice and rates with your local loan shark.

Complaint: CHASE Bank took over WAMU were I have a credit card account. I was charged a $39.00 late fee after paying $110.00 over my monthly payment due because I paid it one day early due to the way their so called cycle was setup. Since I have been a cardholder with CHASE(WAMU) I have made over the monthly payments due and the same was true with my mortgage payment. This is ridiculous!

Complaint: I am a customer of 11 years with Washington Mutual. I made no late payments and paid more than the minimum payment on my account. Chase buys them out and 1 month after they take over my account they increased my rate by 7%. I have called twice and complained and pretty much was told due to the economy they have adjusted the accounts. Now I don't mind paying my balance at the agreed rate or double my minimum payment. I was paying more anyway. But to increase the rate to an outrageous percent and up the mininum payment is only a sneaky way to screw a good customer. In this economy you hear how companies are trying to ! help their consumers... Where, where are they... Chase is the type of company that would hit a loyal customer while they are down. I was raised to believe that that is the cheapest shot you can take at someone...

Complaint: 4/7/09. I purchased online a Sony Playstation 3 from a vendor list provided on the Sony site. I was to get $100 rebate by purchasing a Playstation of $299 or more and by opening a Sony Playstation Credit Card and making the purchase with that card within 45 days of the cards issuance. My purchase of $445 met all of those requirements. I made several calls over several months. At first I was told it would be credited to my account but after 60 days had passed. After that time period passed I was told I did not use a specific rebate form which was ! never provided or stated online where the transaction was initiated. Then later I was told by a higher up in writing that I was not getting the refund because I did not qualify! I was informed that the purchase had to be made at a Sony store and that this was stated somewhere in the application/contract that I completed. I asked to have a copy of this faxed to me that I completed online in case it was in fine print that somehow I overlooked. I was informed that no copy was available and was told by the supervisor in FL call center that I could send further concerns in writing to their Correspondence Dept. in Wilmington, DE. (My actual experience of speaking with someone each time was worse than I've described above.) Their practice needs to be stopped, especially not providing a copy of the application that supposedly contained this requirement that the purchase be made in a Sony Style store. They knew that if they showed me this provision, which they said I had overlooked, that I would apologize and that would be the end of it. Since they conveniently have lost the contract/application I completed online that has this provision that I purportedly overlooked, I truly feel I am being scammed, even if it is not by intention. I did not expect this from Sony.

Complaint: I have an exellent credit, chase raised my intrest from 7.99% to 18% per there claim that I was 1 day late. I will never use them again or give them the pleasure of making one dollar on me. I suggest you do the same "drop them"

Complaint: Last year I cancelled a PO Box, and had one Chase MasterCard that was sending bills to that address. I telephoned a change of address to have the bill sent to my residence. In February, I noticed I wasn\'t getting a bill. I called again and found out they still had my PO Box listed as the address on this account. They changed it, reversed a late fee, and sent me copies of previous statements. I received the next two bills at the correct address. Then in May I got a phone call reminding me my payment was late. I had not received a bill. I went on-line and called, and found my old PO Box was back on the acc! ount! The representative I spoke with said "an order" was put in for a change of address to the PO Box. The represenative stated they would change it back to my residence, making this the third address change. The following day I went on line and found the PO Box was still listed for this account. I have cancelled this credit card and will be paying the balance off in full.

Complaint: First of all I will say I have excellent credit. I chose a Chase Visa credit card with an APR of 7.9% fixed. I have had the card for about 11 months, I was one day late and they raised my rate to 27.9%. Customer service sucks they dont give a crap or what they are doing. I was transferred 4 times before someone would even speak with me. I asked how they could justify this and they said I should have read the small print on the disclosure. These banks are the reason our country is in the situations it is in. DONT EVER GET A CHASE VISA CARD!

Complaint: Chase Bank USA, N.A. is raising my interest rate from 9.24% to 15.24% as of July 2009. I have never made a late payment and I always pay more than the amount due. I’ve been a card holder with Chase Back USA, N.A. since 2006. I can close my account or except the new terms. I’m a single working mother with two children and I’m being treated like someone that doesn’t pay their bills and stay at home and collect a free check. Credit card companies should go so that they too can experience what it feels like to ask for a bell out and the terms change and they owe more money. How would they like that!

Complaint: We pay off our credit card balance in full each month, which is the only reason I came to know about this problem. I use bill pay with my bank. My HEB/Chase card payment was due 5/29/09 and I authorized my bank to make an EFT payment to Chase on that date. On 6/8/09 I had this awful feeling something was wrong so I checked the "recent activity" on this HEB/Chase card and discovered that Chase had charged me $39 late fee and $11.10 finance charge. I immediately contacted my bank and was told an EFT was transmitted to Chase on 5/29/09. My account was debited this amount on that date. In other words, Chase had the funds in their hands on 5/29/09. I contacted Chase to object and got nowhere. I was repeatedly told that they go by the POST date, not the date when funds are received. I tried to cancel the card but met with resistance. Of course, they want to keep my business because I pay my bills, but they also want to charge me finance charges. When I called to cancel the card, I was told canceling the card would likely hurt my credit rating! Beware. If you use your bank's bill pay chances are the money is transmitted bank-to-bank which means Chase received the funds within minutes of your bank pressing the button. But Chase does not post EFT transactions for 1-3 days. That means they use your money to invest in the overnight market as all banks do, and the finance charges you pay include interest for the period of time between the EFT transmission and the post date (1-3 days additional interest). That adds up to big bucks when you consider the number of people now making their payments via bill pay.

Complaint: I have a Chase credit card that I have paid over the minimum and on time for several years. They recently sent me a notice that the rate would go from 15 % to somewhere between 19% to 22%. I decided to pay the balance owed so that I wouldn't be charged the new interest rate. Still am not for sure why my rate would even be raised since I have excellent credit. But I have heard that this practice is occuring. So I paid off the balance before the due date. I just received a new statement and to my surprise, I have a balance of $20.44. This amount represents interest. I called Chase because I have never been charged intere! st on an account that I paid off and showed a zero balance. The company told me that this was residual interest and that everybody does this. I disagreed because this has never happened to me. The representative all but called me a liar. If you have a Chase card - beware.

Complaint ; I just received notice that they are raising my minimum payment from 2% to 5%! I notified them (email) that I did not agree with those terms, so cancel my account and I will continue to pay off at my current terms. They replied (email), that this was not a situation where cancelling my account would stop this change! They referred me to their "Hardship" dept. (tele) This dept would allow me to cancel the account and pay off my balance at 12% interest over 5 years!!! Folks, this is a company that received billions of our money from our govt, so they wouldn't go bankrupt and now they are on a raping and pillaging spree to hurry an! d pay govt back. Why are they hurrying? Because govt has new regulations for them in 2010, so they are going to pull out every trick in the book. Tell them NO and let's get some sanity back into doing business with us average folk.

Complaint: My WaMu card was the best I owned: 9.99 APR, pleasant and understanding phone reps and 24/7 access to one of my 3 credit scores. Then CHASE bought WaMu. Weeks later, I receive a letter stating that my APR will be increased from 9.99 to 16.99 percent for no fault of mine- simply due to the "current economic climate". I had the option to cancel the card (and harm my credit score), which I did. Then I made a huge mistake (a mistake totally unlike me) and forgot to make a June payment to CHASE by the 16 June due date (my first late payment in years). The result: 29.99 percent interest,! $39 late fee, and absolutely no willingness to negotiate with a person who made their first late payment in 5 years. My CHASE Health Savings Acct monies will be going elsewhere. The card will be paid off shortly. And NEVER AGAIN will I deal with Chase; hopefully, the people who listen to me will not deal with them, either- and I plan to tell everyone I know.

Complaint: I cancelled my Chase card two years ago and shredded the card. In February, 2009, I received a bill from Chase, called and explained to the Fraud Department that I couldn't possibly have used the card, and was assured that the matter would be settled. Since then I have been harassed by telephone to pay a bill that patently was not mine, and which has been accruing late charges at a ridiculous rate. Prior to cancelling the card, I had paid off the total amount due each month, on time; the balance was nil. I've been told the silliest things: that no one has access to historic records on my card prior to January 2009, that I could not be told what had been charged on the card 18 months after I cancelled it, that the amount charged had been expunged in February, but whoever expunged it neglected to include the $1.49 late charge and that charge had grown to $198 through late fees. Preying on little old ladies and vulnerable people in desperate financial straits (probably brought on by such unethical practices as Chase's) is not my idea of sound business procedures. Shun them! Avoid them! Run away! Run away!

Complaint: Chase promised us a companion ticket if we paid $120 per year for a Platinum Visa Card. We never received the companion ticket. Don't fall for their lies. Don't pay extra for the false promises.

Complaint: I had a Credit Card with United Mileage Plus and I was offered a Promotional FIXED RATE Loan in 2008. I called to ask about the terms and I have assured (a) the Rate would be 3.99% FIXED (b) the Minimum Payment would be 2% of the Loan Balance plus Finance Charges and (c) so long as I DID NOT DEFAULT, these terms would remain FIXED until the Balance had been paid in full. I borrowed on the Offer (the Bait) after confirming all this, working out my monthly payment and ensuring that my Budget could afford this. I made regular payments without any defaults. Then I called Chase about something else and I was offered a Chase Business card to replace the United Mileage Card with improved Rewards. The lady offered to waive the $60 annual fee for the new card and again repeated that my existing Loan and Balance would all remain the same as before. A new Card was sent to me, with the same Numbers as the previous one but this was a Business Card. Last month I received a Notice that "due to the APR on my loan" and my "revolving balance" (I do not use this Card for any Purchases so there is no revolving balance) the Minimum Payment would go from 2% to 5% (the Switch) - AN INCREASE OF 250% ! I called Chase and without mentioning anything, I asked what Terms apply to my Loan. Again I was told (a) that the Rate is 3.99% (b) that the Minimum Payment is 2% plus finance charges and (c) these terms remain FIXED unless I defaulted. Then I asked about the Notice and the gentleman pulled up my information and stated that "Yes, the Minimum has been changed to 5%" - he had confirmed just a few minutes' ago that it was FIXED. When I asked why - he could not give an answer except that Chase has the right to do so and suggested I appeal to Corporate. Corporate came back with the same garbage about having the right to change terms whenever they want to. This is a SCAM AND TYPICAL BAIT-AND-SWITCH which should be Illegal. They send out a detailed "AGREEMENT" which is no Agreement - since both parties merely agree to allow one party to dictate whatever terms (Chase) want. The FIXED Rate is NOT A FIXED RATE because they can increase the Minimum Payment as they wish to - they could just say you pay one-third of the Loan or even one-half of the Loan as a Minimum Payment and that is the end of the FIXED UNTIL PAID condition. I have complained to all the authorities and I will REFUSE TO MAKE FURTHER PAYMENTS AND TELL THEM TO SUE ME.

Complaint: Chase has raised the minimum monthly payment on many customers. Rates have gone from 2% to 5%. So lets say you owe them $10,000 the monthly payment would have been $200. Now it will be $500. Imagine if other credit card companies do the same! Add up all your credit card debt and multiply by 5%. Can you afford that monthly payment plus pay all your other bills? We need our government to not allow these credit card companies to change anything the year before some new consumer laws go into effect. Why did our government give banks the ability to completely screw us before the laws go into effect. In my ca! se the ugly practices have included: interest rate hikes across the board, closed unused cards against my will, lowered my credit limits, baited me into low interest loan for life of balance transfer only to later change the 2% minimum pmt to 5%. All of these tactics have harmed my FICO scores. They have made, what cards that I did have a modest balance on, look maxed out. Closed my available credit lowering my available credit to debt ratio. Etc..... I could write a book.... I have perfect payment history. None of my credit cards had more than 0%-9.99% interest rates. Now almost everything is double digit. I feel really sorry for those with good or worse credit and what they are doing to you.

Complaint: This is the first time being on this web site. Wish I had been here earlier. After reading about Chase being the worst credit card to have (my Washington Mutal/Providian accounts previously), I couldn't believe all the "bad reviews" by good consumers. I think I might have all of you beat on interest rate - I too have paid on time each month and paid more than the mininium amount. I have never been overlimit - but because, like a lot of you, have more "credit card debt" my interest rate is 31.99%. I just opened my statement and minimum payment is 138.00 with 100.81 in interest. You would think they would want to keep my business but they don't really give a damn and no one is making them change. I thought new credit card laws were going into effective but I suppose not until the credit card companies can figure out a way to get around those new laws. I'd like to file a complaint but will it really do any good??? Just glad to have place to vent!!!!!!

Complaint: My statement said my due date is 7/17/2009. I went to pay it online and it said the posting date would be 7/18/09. I called them they said it had to be paid before 4:00 PM or it was considered late. There is no where on the statement that this has to be paid by 4:00PM only gives you the due date. THIS IS AN UNFAIR PRACTICE AND IN MY OPIONION FRAUD.

Complaint: OK~~ 1. We started out with one Chase card. No problems because never late. 2. Chase buys Wamu & we held 4 cards with WAMU that became property of Chase. 3. Chase charges $39 late fee & raises a 5.9 card to 29.99% because we posted the payment right at noon~ THE DAY IT WAS DUE~ totally UNFORGIVING! Simply said "tough luck Charlie"! 4. I paid off that card & closed that account. 5. Chase raises all the interest rates on the remainder of our cards we held to 20.24 & 24.24% no explaination~ "pay them off if ya don't like it" was the response! 6. I paid off 2 more of those cards & called them to ask if they wanted my business i.e. will you get rational on the interest again" NO WAY~~ SCREW OFF! Was their response. 7. Chase takes the last remaining card we have not paid off & closes the account. we are talking 2 self employed people who have always paid every bill on time & always paid more than was due. We both also have credit scores above 760. SO~~~ I'll pay off the last of what we own them and simply try to warn the rest of you~~ IF YOU DON'T LIKE GRIEF & BEING ROBBED BY AN UNCARING COMPANY, GO DO BUSINESS WITH CHASE! Is Chase "chasing" away customers because they are scared of things to come OR~do they just like the feeling of holding that 25 billion of our tax dollars we recently gave them? The government called it "a bail-out" SO~~~ I guess that's what Chase is doing (bailing out) but they are taking 25 bill of our tax money with them! Somebody has to come up with all those multi million dollar CEO incentives ya know!

Complaint: Chase for no apparent reason is allowed to reduce your credit limit and then notify you by mail 7-10 business days later. I hope they go way as the other banks in the country and Obama better not bail them out with my tax dollars.

Complaint: I would like to know how they can offer good deals for new customers and not treat existing customers fair at all. They raise the interest rates without any good notice or why. As a customer since they taken over the last company which was Providian,they have raised my interest rate at least 2% higher. I accepted the new terms and only made one charge since the new terms. I have been paying on time and way more then the minimum. I believe they are in fear of me paying off the balance right away which it looks like I can do in a few months.So now they just raised the rates an additional 4% without notice. This is a multi million dollar scam company. I believe they have a selection list of who they think will not make noise while they keep up these illegal proceedings. They need to be investigated along with a string of other companies, so far, they're the worse in my opinion. For all credit card users, a bit of advise, read the fine little print, you know the one you can't see unless use a high powered microscope or magnifying glass. Watch out for interest free offers, check the time limit of the offer and pay it off before the contract expires or guess what, they got ya for alot of money and they know they will get you if your not careful and that's what they count on. If they are a good company, they'll give you a good interest rate afterwards. We needed strict laws governing these loan shark companies. Most people want to get out of debt, not have a company create more for you. Ignore the nice guy ads they have, it really is entrapment.

Complaint: I received notice that they were cancelling my former WAMU card (bought by Chase) for no other reason than past credit issue appearing on my credit report. I have never missed a payment on this card, used it minimally, but kept in active every month, and still a cancellation without notice. How can I have applied, been approved, then a year later be told that I don't deserve the card. Before Chase bought WAMU i had a chase card with a low credti limit, a few late payments on the record, but that card is just fine they say. Is it coincidence that the card they cancelled had a 9.99 APR and the one they want to k! eep active has a 24.99 APR??? I feel punished for no reason...I won't cancel this crappy Chase card I still have, but I won't use it for anything...now they get no money from me!

Complaint: i had a Washington mutual credit card then chase bought them out they raised my interest rate to 29.99% unbelievable that was in march now just received letter stating they were canceling me because balance was to high all within 6 months I have always paid more than the minimum and always on time is this a scam if i knew the rate would double i would of never of applied for the card to begin with

Complaint: Hi have a problem with a credit card company. I recently paid off my credit card balance from my master's degree ($7,011.75). I now have a finance charge that was not there on the day the balance was paid off. When I called the credit card company they said they will not remove the charge and I am responsible for it. This charge was not there on the day this balance was paid in full (July 17th). Yet the supervisor said that's how the finance charges work; the charges do not show up until the next billing statement. I feel this is completely unfair and they are taking advantage of! me as a consumer. How do I fight this? I appreciate any assistance you can provide. Thank you for your time

Complaint: My recent statement indicated an effective APR that was 7% higher than the previous month. When I inquired as to why, a rude woman with poor English skills, said that I had not responded to a "change in terms" letter supposedly mailed to me in May. Since I had not received such a letter, I asked her if it was sent by certified mail. She said "No, it was sent regular mail." As I inquired further, she quickly became impatient and began accusing me of arguing with her. Then she had the gall to suggest that "maybe someone else saw it and threw it away." (Her "blame the customer" customer service technique was pretty lame, even for Chase). For the record, I personally bring in the mail on a daily basis. Neither my wife nor I just flippantly sort through it and chunk it in the trash--she even opens junk mail. Chase just assumed that I received the letter (and didn't really care if I DID, as long as they could legally say that they notified me of the change--but they can't prove it). This technique is typical of the unethical way Chase does business. They make you reply to their "invitation" to be have your APR jacked up (which any normal person would obviously decline), or they jack up your APR with or without your knowledge. Seriously, who would willingly agree to have their APR increased 7% for no reason at all? There was no specific cause behind the increase. I was NOT late on a payment; it was just ARBITRARY. I am supposedly being sent another notice to decline the change in terms. We'll see what happens. Every day that this remains unreconciled I am being ripped off for the difference in rates. Will they refund that difference? Don't bet on it. Chase is simply too big to care. They deal in volume. So, if you expect a favorable resolution to your legitimate grievance, don't be shocked if they refuse to do the right thing. You'll likely have to take your business elsewhere. >>>>> The first time Chase tried to increase my rate involved the money-grubbing policy of "Universal Default." While taking a stack of bills to the post office, one of them fell between my passenger seat and the center console. This was a gasoline credit card that I used about four times a year (just to keep it from going dormant). I didn't discover the bill until it was already past due. Chase's response was to try and raise my APR 7%. When I refused, I was forced to close the account. Now mind you, the balance due the oil company was a whopping 40 dollars which I paid in one lump sum plus the late fee (fair enough, the fault WAS mine). So where does Chase come off thinking that they get to stick it to me when the late payment did not involve THEM at all? What Chase does is legalized loan sharking. Have you ever considered that they have a lot of overhead, and that all of their copious TV, radio and print advertising is paid for by you? >>>>> Now that Chase, like a cancer, has bought out WAMU I will have the pleasure of closing three bank accounts plus my credit card account. I will not do business with these people ever again. Awaken people! Chase isn't the only bank or credit card issuer around so find a small state bank in your area. In conclusion, I would suggest the following general guidelines to avoid credit card hassles: --Live within your means. (Pause) --Use debit cards instead of credit cards and don't overdraw your account. --Set aside money each week for unplanned contingencies such as: car repairs, home repairs, etc. --If you must have a credit card for car rentals or business expenses, pay off the entire balance every month. --Remember that they cannot charge you interest on a balance that doesn't exist. --Do not "live" on credit even if you have to do without something for a while. --Do not be deceived by introductory "teaser" rates that give you a great APR for the first six months and then jack your rate up to a high level (over seven or eight percent). --When comparing issuers, don't major on the "perks" and pay a higher rate. Obtain the lowest fixed rate you can, preferably seven percent or less. --Do not give your business to any credit card issuer that engages in the policy of "Universal Default". --Read ALL of the fine print before applying (especially fees, long term penalties and change of terms options reserved by the issuer). --Avoid Chase. Even though they behave like they're the only game in town, they do have local competition. --Learn from your mistakes, and don't repeat them. --Conduct a Google search for the best low interest credit cards, and read ALL of the fine print. --If you have good credit, check out places like Simmons for low rate cards.

Complaint: Chase bought out WAshington Mutual a few months ago. I have had WA.MU. for ten years they had been very nice to me and kept increasing the amount of credit even if it was at 31%. I was in good standing with WA. MU. I loved them they loved me. As soon as Chase took over Chase cancelled my card because. they said my credit was not good. They didn't mean my credit with WA.MU. but my credit in general. I tried to talk to the customer rep but she said refer to the letter they sent me and there is nothing I could possible do to change there minds. I didn't deserve that. even with the high interest rate, I made sure I made double payments each month to stay in good standing with WA.Mu. and I only used the card for emergencies. How ironic I paid a high interest rate and they got there money back 31 times more than I borrowed over the ten years. since they cancelled my card, I decided I am cancelling paying them. After all I didn't sign on with Chase. They can change any rule they want at any time and ruin peoples credit so the only way to get back at them is not pay at all. They actually did me a favor my credit is already screwed now.

Complaint: the monthly percentage due on my balance transfer amount was increased from 2% to 5%. Although I recieved a notice in JUne that this would take place is there something in my original agreement that caps this percentgage amount or are they free to increase it to any amount with notice?

Complaint: I recieved a phone call at work during the week of last month stating I did not pay my July Statement. I let them know that I did not recieved an July Statement, they told me I should have called. I alway recieve my statement. During the conversation, I told them I will check and call them back, not realizing I only had June's statement. I called them back to let them know I did NOT recieve July's statement, keep them all. He well let me know that I owe $515.00 which included July and August payments which was okay, good with that and they info! rmed me then that my limit was lowered at their will so I was over my limit and I owe X amount for that and my interest will go to 29.99%. I was floored!! I tried to argue that I alway pay my statements, and I did not recieved July's!!! I should have called!!! They also lowered my limit without notice and up'd my interest rate! I have never been late and feel this is unjust and was not even give a notice! They have all of my phone numbers and they never called in July to say we have not recieved your payment is everything okay because I am a good paying customer! I called 8/24/09, got statement to see about lowering my interest and they told me because of me not paying for July and I was over my limit my they lowered at their decression with notice I am not eligable. I feel this is an unjustified matter. Sincerely Nikki Fowler

Complaint: Have used a Chase credit card that has given us a low interest rate for the life of the loans as long as the minimum amount has been paid on time, etc. The interest rate is approximately 4.9% and my balance is approximately $15,000. Have always paid more than the minimum and always on time. The minimum payment last month was approximately $311 and I made a $350 payment. Received bill this month stating my minimum payment is $775.00! I called them thinking it was a mistake and they said I was notified back in June that they were raising my minimum payment to 5% of the balance instead of 2%. I ma! y have received this notification but probably tossed it thinking it was junk mail. I asked them if it was legal for them to do this. They stated they operate within the law. I told them there is no way I can afford to pay them $775 a month on this loan (I originally used it to pay for new central air and heat because of the low interest rate). They then told me they could help me by lowering my minimum payment back to 2% if I would agree to having my interest rate raised to 7.9% until 10/2009 or 10 (not sure of exact date because I was so upset). At this time, the remaining balance would be subject to the normal rate that can vary currently 14.some per cent! This amounts to blackmail or loan sharking! Obviously, they don't want to loan me this money at 4.9% as they originally agreed to when they can get more money from someone else (or me) and they have this loophole to blackmail me with. I am in a state of shock that they are able to do this! They stated they will be sending me a written confirmation of this agreement and I have 45 days to decide if this is what I want to do. I had to agree over the phone to the rate increase because there is no way I can afford to pay $775 a month on this loan. If I agreed, this would lower my minimum payment back down to where it was before. P.S. The only notation on the statement said that to help me pay my bill, they are giving me 5 extra days added on to the due date!

Complaint: To Whom It May Concern: I have been loyal customer with Chase for many years. they have recently increased my interest rate on my account to over 29% on a balance of $3200.00. Chase and institutions like them should be banned from operating as a FDIC insured bank due to their unethical and terrorist like practices. I just want to advocate to the America consumers to boycott CHASE and any other institutions that takes advantage of loyal paying customers. LETS TAKE BACK AMERICA FROM THESE CLOWNS!

Complaint: At a time when the Government is bailing out Credit card companies with tax payer money Chase credit has implemented a increase notice to their consumers that the minimum payment averages are increasing. Thus the very people who are bailing them out now have to suffer under these bad economic times to pay more money back to these same companies.

Complaint: 9/07/09. I noted an increase in my minimal payment this month. I called about it and and spoke to a women who could not speak English nor American. I asked to speak with a supervisor and she told me that supervisors did not talk on the phone. Of course I got irate and she hung up on me.So I called back and instantly asked for a supervisor.(How do you know if you are talking to a super anyway). I explained; I have always made more than the minimal payment for over ten years now. My credit score is higher than most people I know and yet Chase felt the need to raise my minimal payment from 2% of the total owed to 5% of the total owed. This making it impossible for me to make the payment. She explained to me that they sent me a notice explaining that they were doing this and I had a choice to pay it or take a 4% hike in my interest rate and then they would allow me to make the original minimal payment. Does anyone see the irony here? So now I am looking at racking up late fees, etc. (! any other charge they can think up) if I try and make any payment unless I accept their offer of raising my interest rate so they can then allow me to make a minimal payment as low as it was previously billed. WHAT! Lets wake up here. If we stop letting them step on us as they are, they will have to abide by our rules. Isn't it time we stand together on this. I am taking a stand and making my payment as it was originally agreed with Chase and let the chips fall where they may. When we are all bankrupt they will have no one to blame but themselves. Oh, and maybe our government.

Complaint: Chase is looking to increase the min. payment on this account from 2%, which I understood to be a fixed rate, to 5%. We are being told that it is an "across the board" increase. Do we have any recorse?

Complaint: I have had a Chase credit card for 25 years with little or no complaints, until now. Two years ago I locked in some very attractive rate offers from Chase for balance transfers and cash advances (to help fund my daughters college education). All advances were guaranteed fixed at the stated rate until paid in full. Well I found out today, that they have accelerated my minimum payment from 2% to 5% of the outstanding balance. My balance was around $20,000, and minumum payment around $550. Since the 5% minimum was forced uppon me, the payment has risen to $1,250 thats a 146% increase. Who can afford for! that kind of payment shock. I'm convinced it's just another pathetic attempt by this company to generate revenue by forcing unprofitable customers out (as my blended rate is around 5%) so they can lend it to some other poor schumck at 20%+ interest.

Complaint: I'm a current Chase (multiple) card holder. My wife and I've never had a late pmt, pay early and usually pay over our min. payment. We recently received an unsolicited 0% access check from Chase. Our bank was WAMU and now converted to Chase. On 7/29 we verified our avail credit with a Chase agent by phone depositing 1/2 of our avail credit-$2,000.00 into our bank acct to cover my mortgage payment at the time. 6 days later my wife called the automated bank number to verify an auto deposit. At that time the automated system stated acct overdrawn, zero balance, $259 in overdraft charges. Transf! erred to 3 different people who could only say access check was returned to maker. Then transferred to Chase Credit where a 45 min conversation took place where we were informed when the check presented for payment they evaluated "credit worthiness" deeming it necessary to lower credit limit below the $2000 which would have covered check. We still have not been notified that the check was returned nor have we received written info. Without telling us at that time they then evaluated all of our Chase & WAMU cards cutting all of the limits to within $300 of our balance. Most cards had 15K limit we owed $600-$1000. One card was lowered to a 7500 limit then the same day lowered again to $1400. We were not informed of any of the reductions to credit limits for over 2 weeks. Tried dealing with the bank 6 times, called credit services 8 times, have requested copies of transcripted conversations with agents to no avail. We have no explanations. On Aug 11 nearly over a week after th! ey cut our credit my fico was 801 on experian which was who they used to pull the credit. Bank couldn't explain why with that score everything would be cut. Now a month later the fico has dropped to 657. HELP ANYONE KNOW A REASONABLE ATTORNEY OR SOMEONE WHO WANTS TO TAKE THIS ON?

Complaint: Verbally on the phone the Chase card company pushed its identity theft protection product. I asked them to send me something in writing. They said that they would. The agent talked fast, included a lot of information and in passing mentioned that there was a money back quarentee. She did not mention that I would first have to sign up and begin the payment process until I pressed her on it. This is manipulative and deceptive practice and should be stopped.

Complaint: My minimum payments rate was increased from 2% to 5% last month. This makes my payment almost triple. I am retired with a fixed income. I closed the account, but I would like to know if it is legal for them to raise the minimum payment rent so high? My aggreement was for 2%. I am an excellent customer and was never late.

Complaint: I used some of the Chase checks issued with an interest rate that is for the life of the loan 3 or 4 years ago. I have been paying on time every time, and most times more than the minimum which averaged $350. per month. They increased my minimum payment this month to $820 per month. I called and they told me that the amount of principal I must pay per month increased from 2% to 5%. I would understand them doing that if (1), I had missed a payment or (2) on future charges. I my opinion that check I signed was a legal implied contract which I did not break and Chase credit card had to basis in this increase. This is a highly unethical business practice. I have canceled all my cards with them. The whole purpose of Chase doing this is to hope I will take a higher interest rate and lower principal-- this is very dishonest

Complaint: Some years ago, my wife got a credit card through Chase Bank. The card was at 8.99%, and per the agreement has remained at that rate for several years. We have a $9000 balance, and have been paying off other, higher obligation debts in the mean time. We fell on hard times and actually used that card to put gas in the tank so we could both get to work. However, we have always made our payments on time, in fact always paying more than the minimum balance- and I do mean always, never one late payment. That includes the rest of my credit history too- all my payments are on time. So imagine my surprise today when I logged into my account and see that I am now being charged 15.24%!! They nearly doubled the interest rate. I called and let the rep have it- WTF for? There was no reason whatsoever for a rate increase. They agreed that we had paid more than the minimum balance, on time, every time. Their explanation was that Chase can no longer make money on such "low interest rate" cards, and so they changed the terms of our agreement. WHERE ELSE IN THE ENTIRE WORLD CAN SOMEONE CHANGE THE PRICE OF A PRODUCT AFTER YOU BUY IT???? Only the credit card companies can do that. They are so full of it saying they can't make money at 8.99%. I'd love to get a guaranteed 8.99% investment return, but it isn't gonna happen. Really, why even have an "agreement" when the credit card company can just arbitrarily change the terms as they see fit? How about I send them notice saying I am changing the terms to 2%, because I feel my economic situation, due to re! duced buying power with the falling dollar, warrants it? What a bunch of crooks. I feel like they are stealing my money. Why don't they just raise my rate to 300% APR? Where is the accountability in the credit card industry? I think we are WAY past due for some restriction on how credit cards treat consumers. I think there needs to be strict caps on interest rates- single digit and no higher. If someone is too much of a risk for a below 10% interest rate, then they don't get credit. Responsible consumers, who pay their bills on time, end up making up the difference when irresponsible consumers don't pay their credit cards at all. They make up the difference by exactly what just happened to me. There is no reason to raise a rate on an outstanding balance unless the consumer fails to pay. I haven't done that. I think once a credit card company issues a card, they should be required to honor the agreement, without provisions for changing any an all terms at a whim, for the life of the card. This is so dishonest it disgust! s me.

Complaint: I have been a chase customer since March when they took over Washington Mutual. I encountered my first problem the first month the bill was due. It took 6 tries to get the website to accept an online payment. I had to check every other day for 12 days and chase why the payments were not posted. For all my trouble, I still incurred a late fee charge. I suspected this happened again in May and know for sure it happened again in August. Around comes October, I submitted a payment on October first. I started receiving text messages the day after my bill was due that they had not received! payment. I have since tried again to no avail. Fed up. This has cost me 4 x $39 in fees and they have raised my rate by 10%. Today 10/15 is the first time through this process, that I have been told I need a confirmation# to dispute a website problem. You would have thought somewhere in the other 7 verbal complaints someone would have mentioned this. I also complained that there is no place to review pending payments. Guess what you are suppose to know that the link that says "see cancel payment" allows you to view pending payments. Intuitive isn't. With all the trouble that I've had why wouldn't one of the customer service clerks suggest I check there to ensure my transaction had been logged. Is it because they are trying to raise revenue? It's the only thing that makes since to me. The RUDE supervisor asked why I continued to use the website, when it failed intermittenly. I don't receive a paper bill, the bill is not viewable when using safari on a MAC, ther! e are no branches with 50 miles that I can make a payment locally. Th e IT guy, who finally told me how to view pending payments, again from the "see cancel payment" link, stated that their website never fails to record a payment. I use the web exclusively to pay my bills, yet this is the only website that I am having difficulty with. What can be done about these unfair practices. I can assure you that when the economy turns around Chase will not be a bank or credit card provider that I would recommend. As a matter of fact, I intend to share my experience with anyone who will listen.

Complaint: Never will I do business with these thieves I have been a loyal customer and never was late with a payment but yet they deided to raise my rates from 5% to almost 12%.This is after being with them for over 10 years . They would not negotiate,So screw them I closed the account.

Complaint: I send the payment on time & they put me a late charge of 39 dollars I call then they hang me up 4 times I speak with the suervisor & he did remove the charges rent it was not polite he was nasty

Complaint: use aol.com as your browser and had a hard time logging on to the chase.com. SURPRISE i was told 10/30/09 that chase doesn't support AOL.com. Cool! canceled my card (12/08) got a new one in mail days later. Cool! didn't ask for a new card. Cool! had 3 or 4 new CC numbers didn't ask for them. Didn't get my email billings. thought the account was payed off. 5 months later my new account from my canceled account has only late and finance fees. I must be a valuable customer. A chase rep told me i needed to take responsabilty an i will. I'm not a great credit card custom! er my payments have been late at times. robbed peter to pay paul. always payed when i was getting bills but when you won't my provider INTERNET browser provider it's my fault. chase has preferred vendors (their the specials included with you bill)that call your house and they ask you "is this your credit card number" so we can close the deal MY WIFE HUNG UP ON THEM (she's not authorized on my account). the fraud division took weeks to get the charges off my account. but i had to contact the vendor. I already contacted the consumer credit council the last person i talked to at chase was so nice she offered to take $29.00 off my bill. she wouldn't take off any more even after i did the moonwalk and a back flip through a hop. BYE have a nice day

Complaint: Took a cash advance through a written check for .99%. When I wanted to pay my monthly statement, I was told that the money would be used for the lesser % rate and not my monthly charges which would incur 13.49%. I was told that I had no option as to what I wanted paid first. That was not disclosed on the letter sent with the blank checks.

Complaint: This company is tacking on interest each month that changes your payment and then they charge a late fee if the whole amount is not sent and then they give you a song and dance about fees. They will get your blood pressure to the top. I have just cancelled my card due to the nonsense they use to explain their "May letter" which was supposed to inform us. Anyone with a Chase card remember that letter? No matter how much I pay my total owed amount only goes down a few dollars and I am not using the card to make any purchases and have not used it for months. PLEASE who can help us?

Complaint: I was just notified that my line of credit was decreased by Chase for no reason but their obsurd excuses. I am never late, never go over the limit and had plenty of line of credit left. Now I am realizing that the debt and line of credit ratio has been lowered, and believe, this will affect my credit score. We need justice done to these banks. Is there anyone I can contact?

Complaint: Chase canceled my credit cards (including a gas BP card I've had since 1977) with NO notice. Did not know, as was current with payments, that the accounts were under review. Tried to use a card at a local deli and the card was declined. Took over 10 days to finally receive a letter from Chase indicating the account had been closed. Beware. These pusillanimous slugs took taxpayer dollars and in a relatively short time recovered from their economic crisis only to visit a more severe one on consumers. Boycott any and all Chase institutions. If you have any credit cards that Chase services, call, e-mail, write, fax the company and express your dissatisfaction with Chase. Perhaps if enough of us do, the companies using Chase to process credit card transactions will find a more ethical bank to do so.

Complaint: I had a United Mileage Plus Signature Visa from Chase with a very large credit line. Because of the recent economy I had accumulated a very large balance on that card and made the mistake of putting my taxes owed on it. As soon as I did that, my interest was raised to 22.4%. I soon could not make the interest only payments and at one point a Chase rep. called me trying to negotiate payments; telling me they could lower to what I could afford. Well, I was able to make that payment, called them back and was told that "since I made my payment and was up-to-date at that time, they were u! nwilling to negotiate. The next few months went by as the interest alone was killing me. I had another Chase card with a 0 balance and I let them know I would transfer the high balance onto that card which would have lowered the interest I was paying. When I went online to do this, I pressed the transfer balance button and it came back saying transferring balances was not an option. I was able to pay off this card recently and they tacked on another $229 after I paid it off. I asked that they reduce my balance to 0. They told me the $229 charge was interest from months ago and that they were also charging me a late charge after paying this enormous balance. I told them I wanted that card closed immediately! The Rep then threatened me by sternly telling me that they would notify all credit bureaus immediately that I had closed this account and that it would negatively affect my credit. Whether this affects my credit or not, I refuse to have Chase Bank threatening me and am very relieved and with my decision.

Complaint: Today I was notified that my credit limit was lowered on 2 accounts and a third was cancelled completely, unfortunately with a balance. The reason: My balances were disproportionately high when compared to my credit limits and the number of accounts in use. So my comment to them was "congratulations, now my balances are even more disproportionately high when compared to my credit limits. Gee, I guess that really helps! And, oh yeah, the reason I have multiple cards is because Chase bought out two companies that I had credit with. So of course, my FICO score takes another hit. Don't even get me started on the 19% they ra! ised my interest to. I didn't cancel the account at the time because I didn't want my card to reflect 100% use of my credit line. Now I wish I had. And thanks chase for the $2.50 fee for the privilege of assessing me the finance charges. You will lose the next generation. We will educate our children well and hope they avoid you like the plague!

Complaint: One of my transaction for Auto Insurance was dishonored by company, saying for security reason and change in pattern of spending. While in earlier month same transction has been approved. Because of this my policy was canceled and I have to pay extra chrages for reinstatment and for dishonored payment. Where should I complained, company is dening to reimbuse me for extra payment.

Complaint: Chase recently took over a Visa I have had for nearly 12 years. A few months ago, they cancelled my account. Fine, I knew something was coming. I asked that they loswer my interest rate 32%, or stop accruing finance charges. They said no. So I can't use the card, but they can. Like many, faced with financial difficulty, we called to see if they would settle for less than owed. They said no. Becasue I was a good customer and had paid thi scard off several times in the past, they said we would find a way to pay it again. Thanks Chase.

Complaint: I have had my WAMU credit card for years. Never had a problem with them. Since taken over by Chase Bank my account has been so called "late" payed a few times. What they considered late is according to my account... Payment removed from my bank account on say the 13th, then recorded by them on the 14th as late one day! They then jacked my interest rate up to an outrageous amount due to my supposed "one day late but we already took the money out of your account but didnt record it til the next day" payment!! Damned lying thieves! I have made my payments on time for years and I guess they have to rip ! off good consumers to pay for the bad debt they risked with others! STAY AWAY FROM CHASE BANK!

Complaint: Is Chase deliberately trying to lose customers to collect bail out money or something? In 20 years as a business owner I have never seen such blatant,fowl business practices. And the bold faced lies their representative and supervisors try to feed me are boldly incredible! I buy a lot of parts and equipment on line, so my business depends on my Chase Visa card. And like most business's my accounts receivable are due at the end of the month. And like most business's I pay all my bills at the end of the month. I usually keep a balance between $3000 and $5000 on the card and every month I pay between $300 to $1200 and on occasion I just pay it off. In April I got a late fee and my rate went from 11% to 14%. Chase moved my due date from the 1st to the 28th of every month with out me noticing. When I called them, I got this lame excuse that some month have 31 days and my billing cycle is on a 30 day payment plan. I got tired of arguing because it was like talking to a recorded message from a brain dead clone. By October the date had moved again to the 25th, I got another late charge for not paying attention to Chase moving around my due date again. Then they changed my rate from 14% to 19%. I called again and ask them if they had bumped their heads. Then I explained to them that if they keep changing my due date because some months have 31 days, that after a few years my due date will be due before they send the bill. Then the Chase representative said the best they could do is 19% rate because of rising costs, but he could change my due date back to the fifth of the month.(then why did you change it to begin with?) Today I get my bill from the Chase Crooks, Bandits and Robbers Incorporated and these fool idiots hijacked my rates to 29.99% I called again..And their brain dead manager confirmed that I last paid off my balance in February and that I always pay three times the amount due or more, but there is nothing he can due about my new overinflated rate because I was late three times this year.(and were only talkin about a day or two!) OH REALLY! "I say!".. Did ya happen to notice after 5 years of never being late that this year you Crooks decide to move my due date around and BINGO you have an excuse to jack me up.. Oh and by the way Dear Chase Crook.. Your 31 day excuse for changing my billing date don't hold water. If in fact this was the truth. After 5 years my due date wouldn't have changed to the 28th or the 25th. It would be due somewhere around the 9th or 10th of the month. I will pay you off today and I'm done doing business with the Chase Crooks and Shysters. And all this fool had to say,,,Was, "I'm sorry you feel this way and there was nothing he could do to change my rate of 29.99%." It still looks to me like it's some kind of sabotage move to rid the company of all paying customers.

Complaint: I've read a large number of the seemingly endless complaints against Chase and would like to add to the list. First off, their customer service is TERRIBLE! And it doesn't matter how high up you go because you cannot get a straight answer from any of them. I purchased a TV a year and a half ago on a deferred interest promotion. The TV was only $700. Today I noticed a $311 dollar accrued interest charge on my account and when I called and spoke to a manager I was told that I didn't pay off the $700 TV in the allotted time so all the accrued interest was charged to my account. In the course of deman! ding an explanation, he told me that my monthly payments were applied to newer charges first. That means there would be months where none of my payment was going toward the TV purchase with deferred interest. What a scam! They make it virtually impossible to pay off a charge like that in the allotted time by applying payments to other charges instead. I guess this is a good way for them to screw their customers and they don't really care. On top of that, the addional $311 charge put my account over the credit limit, so they charged me another $39 for that. They're a bunch of money hungry thieves preying on an unknowing public, and it sickens me. I have been a customer of Chase for a very long time but have recently closed a couple of accounts due to a huge increase in interest rates. Now this. I'm done with them. I have closed that account and will also close the checking account I've had with them for 11 years. Poor customer service, very questionable tactics, and a la! ck of concern are things we shouldn't have to deal with.

Complaint: I would like to complain about Chase disturbance...i want to sue these Credit card company... 1) They call you starting 5;30 a.m. (California time) until 11:30 p.m...just to tell you that your credit is 2 ddays past due...when you don't pick up the phone they will kepp calling you every 30 mins....they will keep bothering your fone though your in the middle of your work...they will keep calling yu every now and then... 2) Theeir staffs and customer service treats youlike an animal and they told me that they have the right to call even late at night... Can these company be close due to their public disturbance??? I know that i have an obligation tom paythem but they should not treat their customer like inhuman....

Complaint: Hey guys im new to this but heres my complaint. My sister added me to her credit line or card not sure, when i was 17 without my consent. No picture id and no social. Now im 23 and was in the process of buying a car when i find out i have horrible credit because of a chase credit card i didnt even know about! How could they even authorize this with out my approval or signature or anything? Should i just dispute it or get a lawyer?

Complaint: When I first received the card,it was good.Iwas told I could receive a promotional rate or get a interest rate of 8.99,witch will NEVER CHANGE as long as I never miss a payment or late,witch I never did !.Then 6 months ago I receave a notice that my interest is being change to 12.99.I called many different manager`s with no justice !Then I canceled it 3 month`s ago and they continue to receive,statements and they SEND ME ANOTHER CREDIT CARD ! EVEN WHEN I CALL TIME & TIME AGAIN, AND THEY SAY THEY HAVE CANCELED THE CARD,I STILL RECEIVE STATEMENTS AND THEN THEY KEEP THE SAME ACCOUNT NUMBER AND SEND MY WIFE A CARD. ! SAVE YOURSELF ALOT OF TROUBLE AND NEVER APPLY FOR A CHACE CREDIT CAR !!!!!

Complaint: I have read all of the complaints and they are mostly the same. How did banks go from being decent respectable institutions to predators and loan sharking? Well, after forty five years of being religiously diligent in paying my debts, they have forced me into becoming a DEADBEAT! And ... I am beginning to enjoy it!

Complaint: I purchased items through Pier One using their credit card by Chase. I had promotional balances that expired 3/1/2010, 4/1/2010 and 7/1/2010. I paid the balance before the promotional expiration of 3/1/2010 prior to that date; however, they applied my payment to the balance which expired 4/1/2010 resulting in an interest charge of $88.57 from the promotional balance that ended 3/1/2010. When I called Pier One customer service, they claimed that this was a result of the new credit card law changes effective 2/22/2010. Their explanation was that all pa! yments had to be applied to the lowest interest rate. I explained that all my rates are the same. They then said that they had to apply the payment to the promotional balance that ended the latest. However, this didn't make sense since they applied my payment to the next promotional balance which ended 4/1/2010 rather than to the last balance that ended 7/1/2010. Both the customer service rep & the supervisor refused to refund my interest, so I closed my account. Not sure if there is anything that I can do about this. Thank you for your time & please let me know if you have any suggestions.

Complaint: This company is the reason we need legislation to prevent strong arming customers who they assume to be at their mercy. I have been with this company for over a decade. I have always paid my bills on time. Recently I overlooked my payment date and the online payment arrived a day late. My error yes, but then I received a letter stating that because I was late my interest rate was going to go up more than 8% higher than original. I was also told I had a 39 dollar late fee. Wow 39 dollar late fee on a 225 dollar bill. What a scam they are running. I had heard but since I had not been late, it didn'! t dawn on me that I was dealing with criminals who are no better than loan sharks. When I called I got India of course and then they transfered me to someone else who agreed to drop the interest rate but not the late fee. I told them to cancel the call. I encourage everyone to call their toll free number which cost them in the neihborhood of a dollar a call to pay India and the phone company. I will be making lots of calls just to enjoy my 39 dollar late fee.