JPMorgan Chase
Reviews and Complaints

Until last night I have been in the same boat as so many who have complained about the minimum payment increase. While my wife was in school and doing her post-doc training and I was getting a small business up in running we had accumulated considerable debts. We owe over $38K to Chase on 3 cards (which Chase acquired via bank mergers).

Last night I was able to come to an agreement with Chase through their "Hardship Department". The three cards we received change of minimum payment notices on are now in the process of being enrolled in Chase's "balance liquidation program". We are going to be on a fixed monthly payment that is lower than our current payments at the 2% minimum, and the rate on all cards will be 2%APR. Payments will last up to 60 months. Payments need to be made on time, but a single "late" payment will NOT kick you out of the program. There are no additional fees involved but there is one downside - as each of the balances are finally paid off they will be "permanently" closed and reported to the credit agencies as "voluntarily closed" by me. That of course will cause a small hit on my credit score, but since we have no plans for major purchases and my wife is the primary income anyway, it seems to be a relatively small price to pay.

I made note to the person I spoke with from that department that prior front-line customer service reps were not very forth-coming with information about this program, nor did they offer to transfer me to that department UNTIL last night (my third call). It would seem that this IS the "opt-out" for "those who qualify", but that Chase's front-line people might need additional training to get customers who need this assistance transferred to the Hardship Dept. in a more expeditious manner. There was also some hint that there may be other "hardship" programs and/or terms available, depending on what you qualify for.

Sincerely hope this helps, my wife and I are breathing a little easier today.

CHASE TRIES TO STEAL WEBSITE: Please read The article @http://www.free-press-release.com/news/200901/1231777439.html#comments

This comment was posted at banktime.com and sent me into a tizzy!

I let’em have it!

“The cardholders affected by the new minimums will be those considered “high risk, ” who have been less than diligent about paying their account scrupulously in the past…”

Mccvgb,

Chase did NOT give you an option to OPT-OUT of a rate increase?!?!

That's the first I have heard of that, usually they allow you to opt-out if you close your account. You need to re-read that change in terms notice and make sure there is not a paragraph that states "If you do not agree with these terms you must write to us by such a date"

Check out the article on the following site, He did a great job!

http://www.investingblog.org/archives/509/beware-of-3q-and-4q-banking-and-credit-card-earnings-%E2%80%93-manipulation-of-earnings-with-minimum-payment-scam/

I called Chase regarding change in terms to raise my rate. Basically, the mailing indicated to pay the balance in full or accept the rate hike. I pay $200 on time every month trying to pay down a debt I acquired during my husband's job loss. The rep said my only option was to pay the amount in full or deal with it. The rate hike was due to the economy he said. And what about the consumers' economy?Aproximately $115 of my $200 payment goes to interest. Its virtually impossible to pay down. I few days later, I received a letter that Chase was lowering my credit limit to the remaining balance of my account. That was fine with me because I no longer use the card but, the minor dent I made to the balance proportion to the available credit is gone. I do not doubt that my credit score took a hit because now my account appears maxed out. I do not understand why they did this? I do not make late payments and always pay more than the minimu payment. I owe $5, 500 and it will take $400 per month for almost two years to wipe out my balance with the outrages "deparment store credit card" rate they gave me(close to 25%). I've been a good customer for three years now. Its so fustrating, not to mention, RIDICULOUS!

I had sent a message through my online account with Chase commenting on my displeasure with the Change in Terms...They emailed back a canned letter but also reminded me in a VERY threathning way that they can now Close My Account for ANY REASON...Today I get this in my email

Dear

You recently received an e-mail response in reference to a question or concern regarding your Chase credit card. We need your opinion on how effectively we handled your contact in order to provide the best service to our customers.

Please take a few moments and complete the brief questionnaire, which asks about this particular experience with Chase.

Your participation now will help us provide you with the best possible products and service in the future.

Note: For your security, Chase will not ask you to provide any personal information while taking this survey.

Sincerely,

Chip Hill
Senior Vice President, Customer Experience

I really don't think CHASE is going to want me to fill this out!

Check out credit.about.com...I am having a hard time believing that the last few posts are true. They were offered great deals. NOT what I was told when I called. Actually I have called 3 times trying to get a rep that isn't rude and is from the USA. Last time they told me to stop calling because my questions have already been answered! anyway read the blogs and let me know what you think.

I emailed my representatives and senators and even sent an email to the white house requesting a response. We need to make our voices known all the way to the top. This is absurd and at the very least totally unfair business tactics. It has to be illegal. Maybe if enough of us scream loud enough, they will order an injunction against Chase that will prevent them from going forward with this atrocity. It can't hurt to spread the word so that enough people will make a statement.

I feel your pain. I also was notified and horrified! I am calling it the "CHASE 2009 PANDEMIC" as it includes 850, 000 cardholders, all of whom have never missed a payment or they would not have been targeted because of the low fixed APR that is not profitable for Chase...mine is 4.99 and I can't get that kind of return anywhere!
Call the media, tell you friends, report it to your state reps. ALL 850, 000 cardholders need to make a very LOUD noise!

I have the exact same problem! I have never in 2 years had a late fee with them! Every single one of my statement dates in 2009 ended on the 8th of the month, and the due date was always on the 2nd of the month. In October, my statement date ended on the 7th. I didn't pay much attention to my statement b/c I had my bank account set up to pay on the 2nd of the month. Well, because the end date moved to the 7th, the due date moved up to the 1st! The 1st was on a Sunday! How can a payment be due on a Sunday? Why wouldn't they remove the charge as a courtesy the first time? I have never heard of this.

I paid my balance in full for 3 years. I received a late fee after I didn't receive a statement. The balance was less than $200. (I pay in full every month usually around $[protected]). After $40k in full on time payments they would not help. What I did was GO INTO THE BRANCH. I had the branch rep help me and call into a supervisor in care. When they didn't help her and gave the line to me. I spoke VERY LOUDLY. Not rude or any foul language. Still no help. Later I spoke to the branch manager from home and let him know I would be coming into the branch daily to talk to care and apologized for my outburst. He called some special executive line... Late fee was credited. To my knowledge this is a first. Let everyone know to go to the branch. I never had these kind of problems before when my account was owned by WAMU. I loved WAMUs level of service.

Chase is the only credit card company I have dealt with that will NEVER waive late fees and also charges finance charges. They bury the late fee in the detail, not with the usual interest section. Furthermore Chase "customer service" reps do not care if you do business with Chase and will offer to cancel your card at the drop of a hat.
The "grace period" is defined as 20 days ending at the due date. So the supposed grace period is the time frame starting with when they send the bill until the due date. Again, this is the only credit card I have dealt with that is so dedicated to ripping off their own customers.

CHASE TRIES TO STEAL WEBSITE: Please read The article @http://www.free-press-release.com/news/200901/1231777439.html#comments

This comment was posted at banktime.com and sent me into a tizzy!

I let’em have it!

“The cardholders affected by the new minimums will be those considered “high risk, ” who have been less than diligent about paying their account scrupulously in the past…”

Check out the article on the following site, He did a great job!

http://www.investingblog.org/archives/509/beware-of-3q-and-4q-banking-and-credit-card-earnings-%E2%80%93-manipulation-of-earnings-with-minimum-payment-scam/

I had sent a message through my online account with Chase commenting on my displeasure with the Change in Terms...They emailed back a canned letter but also reminded me in a VERY threathning way that they can now Close My Account for ANY REASON...Today I get this in my email

Dear

You recently received an e-mail response in reference to a question or concern regarding your Chase credit card. We need your opinion on how effectively we handled your contact in order to provide the best service to our customers.

Please take a few moments and complete the brief questionnaire, which asks about this particular experience with Chase.

Your participation now will help us provide you with the best possible products and service in the future.

Note: For your security, Chase will not ask you to provide any personal information while taking this survey.

Sincerely,

Chip Hill
Senior Vice President, Customer Experience

I really don't think CHASE is going to want me to fill this out!

I received this increase as well and overnight went from just being able to cover my payments to seriously considering bankruptcy. Since I transferred all my debt onto my Chase card my balance is high $16, 000 and my payments will go from $330 to $850 per month which is completely unrealistic. I have never made a late payment and have not come close to my credit limit and this is literally going destroy my financial world. I won't be able to make the payments, I will have to file for bankruptcy and Chase won't get any money at all. I would like to ask you, how is that going to help anyone? Had they left the payment alone or increased it slightly I would have continued to pay on time and as things got better with the economy would have been able to pay it off early. Now that I realize others are speaking out I would like to know if anything can be done to get this decision reversed.

Check-out that last few blogs on credit.about.com...I am really having a hard time believing that these are TRUE! I have called 3 times trying to get a rep that is in the usa. Last time they told me to quit calling because my question has been answered. Anyway check-out the blog and let me know what you think...

Chase increase in monthly payments is a financial crucifixion for many of its card holders. I do not understand how anyone can get away with this. Not only is this causing economic hardship but is also causing its card holders physical illness and emotional turmoil.

Here's who to contact at Chase:

http://consumerist.com/5010379/contact-information-for-chase-ceos

Tell everybody you know, that Chase is a bunch of true modern day "dirt-bags." I'll never do business with them ever again! Bullies always lose in the long run. Let's do what we can to eliminate this group of criminals. Do what ever you can to weather this storm, and save your best energies thereafter to put Chase under.

I also received this notice. I'm not sure how I'm going to make the payments either. My balances were for medical bills for my son who spent 2 years in the hospital. The # is 850, 000 cardholders!
They have created a NEW pandemic, maybe I should post a new complaint under that phrase. If you have resources, call the media, this needs a LOUD noise from all 850, 000 cardholders that they would not be doing this to if they would have missed 1 payment...

Despite making payments on my car from our new address Chase in its brilliance sent my title upon completion of the loan to my old address. It was then returned to Chase who promptly lost it. Brilliant. I know I can write this here because few people up there can actually read.

There are several options for the almost 1 million customers that Chase has screwed. First, contact Chase just so you can hear the "thats too bad" speech. Then file a complaint here

http://www.helpwithmybank.gov/complaints/index.html

and

Write to the authorities if this bothers you or to state your thoughts. Per Chase's mailing, which doesn't contain a copyright notice, the relevant Federal Regulatory Entity to write to is:

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX [protected]

The address to send written correspondence to Chase Credit Cards is:

Cardmember Service
PO Box 15098
Wilmington, DE [protected]

Or you can write to Chase's CEO:

Jamie Dimon, CEO
JPMorgan Chase & Co.
270 Park Avenue
New York, NY 10017

It will get Chase attention! Also file a complaint with your states Attorney General and Federal Attorney General. Chase can put some on hardship payments by closing your CC account and putting you on a type of loan that is low interest and low payment for 5 yrs. Not all will qualify.

There are over 20 class action lawsuits that have been consolidated into one, if the fed judge doesn't throw it out those that can hang on might get some relief in a few months. Do YOUR part, here is the site: http://www.girardgibbs.com/chase.asp

This is what you get with a government controlled by corporate money. Like FDR said, a government by organized money is just as dangerous as a government by organized mob.

http://www.cnn.com/2009/POLITICS/10/09/credit.card.outrage/

Chase is taking an extra 1, 000 out of my checking per month now due to the increase in minimum payment. I took advantage of the balance transfer option at 4.99% which I thought was a good deal. Chase thinks they can change the rules and whats scary is that I can find any help to stop them. Ive emailed my state senator, banking commision, everyone I can think of. Goveernment has to step in. Its just common since that chase should not be allowed to default on there end of the contract and screw us in the process. This company and its executives should serve prision time for this crap. I will spend the rest of my life fighting this company.

I complained about the 3 to 5% increase by Chase to the Attorney General of Calif. He replied that I should get in touch with the Office of the Comptroller of the Currency, Customer Assist. Group, 1303 MCKINNEY ST., SUITE 3450, HOUSTON, TX [protected], PH [protected], Email: Customer.Assistance@occ.treas.gov Internet: http//www.occ.treas.gov I urge everyone to get in touch with this agency and file a formal complaint. They have a form to fill out for this purpose. DO THIS NOW!

Ok. so be it, we are getting screwed and there might be a class action suit.
The question now is : WHAT DO WE DO NOW? Do we try to find a way to pay, do we go into debt consolidation program, DO WE JUST NOT PAY?
My credit is ruined anyway, and I don't have to many years left, and I don't like getting screwed. So I'm thinking of just not paying. Let them do what they want. Sue me, I don't have anything, they can't take your house or vehicle. Raise the interest and add late fees. What good is it going to do? They can add a million dollars or two, but still ain't going to get any money. They can't get anything if you don't have anything.
I'M JUST TIRED OF GETTING SCREWED WHEN I PAID THEM ON TIME EVERY MONTH AND DIDN'T MISS A PAYMENT.

CHASE TRIES TO STEAL WEBSITE: Please read The article @http://www.free-press-release.com/news/200901/1231777439.html#comments

Hello All,

I was one of the one that got the same minimum payment increase. I've
never been late and pay my balances as was promised to me. It's time
to fight back by all consumers. we are getting pushed around by all
these banks. We should make flyers and pass them to their customrs in
front of these banks and informing them on what is going on. if they
see the action people are taking they will understand their actions
wont go unpunished and they will loose business

Check Out the article on the following site, he did a great job!

http://www.investingblog.org/archives/509/beware-of-3q-and-4q-banking-and-credit-card-earnings-%E2%80%93-manipulation-of-earnings-with-minimum-payment-scam/

I had sent a message through my online account with Chase commenting on my displeasure with the Change in Terms...They emailed back a canned letter but also reminded me in a VERY threathning way that they can now Close My Account for ANY REASON...Today I get this in my email

Dear

You recently received an e-mail response in reference to a question or concern regarding your Chase credit card. We need your opinion on how effectively we handled your contact in order to provide the best service to our customers.

Please take a few moments and complete the brief questionnaire, which asks about this particular experience with Chase.

Your participation now will help us provide you with the best possible products and service in the future.

Note: For your security, Chase will not ask you to provide any personal information while taking this survey.

Sincerely,

Chip Hill
Senior Vice President, Customer Experience

I really don't think CHASE is going to want me to fill this out!

I got the same thing. Two Chase Cards with large balances because they sent irresistible checks for 3.9% for the life of the loan. Never been late, always paid more than the minimum, yadda, yadda, yadda. As I understand it, 850, 000 good hard-working Americans got this screw over job. Like the rest of you, it's an impossible increase to make happen on our budget.

What a ridiculous bate and stitch tactic. Loan shark dealings. I don't know if it's legal -- but it most certainly is unethical.

Nice way to screw the middle class citizen, Chase. You will never see a dime from me in the future. I'll be done with you forever as soon as I can manage to get you out of my life.

Check-out the last few blogs on credit.about.com...I am having a hard time believing that Chase has made these deals...I have called 3 times trying to get a rep in the USA...Last time they told me to quit calling because my question had been answered.
Anyway check it out and let me know what you think...

I totally agree! Chase has terrible policies. This is a well written and pointed complaint. I love you mom. The best person I've ever had in this life. It's hard living everyday without you to call. I miss you, but I plan to make you proud this Sunday!

Chase is a dirty, vile, loan sharking operation. They did the same thing to me. Tell all of your friends and family not to do business with chase. If I find any class action cases against them I will let you know.

my credit card interest rate was 6.9 for no reason chase raised my interest rate to 10.5

WOULD YOU PREFER I CANCELL MY CARD?

AM I NOT GOING TO GET AN ANSWER TONIGHT?/

I just sent my complaint to you and have not rec. Am ans. About why i was not given the courtesy of your promise to pay fifty dollars after the purchase on my card that i just rec.
Two mo ago. Please give me a straight ans.

To the person that has Chase do their bill pay on line, The best thing to do is Cancel Chase bill pay. and pay the Companies direct on line I pay all my bills on line directly to those Companies, The payments are posted with in 3 days, I also go on line in a few days to make sure they were paid. I hope you like my idea,
Carol.

My biggest issue with Chase: they are incompetent when it comes to online bill pay. I have used on line bill pay in the past with WAMU & never did I have an issue. Since Chase took over WAMU, OMG, Chase in one month wrote out 4 checks using the wrong PAYEE name causing my payments to be late. The sad thing is, when you call your big companies advising them of CHASE's error, the company reply is, "you're not the first we have been getting alot of complaints about Chase". Yes, Chase is proud to admit it's their ERROR & apoligise for the mistakes calling it a "GLITCH in the SYSTEM". Wonder how may times they will use this reason?

I had a car loan with Chase at 5.90% which I got at the Dealer where I bought a new car, Every month the interest they deducted went up. I paid $320.00 interest for 9 month of the loan, I couldn, t convince Chase they were over charging me Interest on the loan, It was automaticly deducted each month, I got angry and changed the loan to a Credit Union, at 3.50& My loan is down more now after 6 months then it ever was with Chase, And the Interest charges go down a little easch month as the balance of my loan goes down, I have no re-course except I did copy out all the interest charges they charged me on the Internet right before I changed the loan, The dealer that sold me the car told me the Interest payment amount should go down as the loan goes lower, It didn, t.

I was told that after 6 months of no late payments my interest rate would return to a normal amount. I had been late with a payment. The card has no monthly balance. I called back and was told they are not lowering interest rates for ANYONE for ANY REASON. This was after being on hold 45 minutes and getting through to the 3rd person. I nicely asked for his supervisor and was refused. You can bet that I will no longer be using this card, that I have had for more than 20 years.

My wife and I have 4 chase credit cards. They used to be WAMU cards that Chase had aquired. Back in May or June of 2009 we received letters of "Changes of terms and conditions" on these 4 cards. They stated that they were goingto raise the rates on the cards due to "market conditions". It stated that if we didnt want to accept the new interest rates we had to call them by a certain date and cancel the cards, if we didnt call then it would be assumed that we accepted the changes and would keep the lines of credit at the new higher rate. Well we wanted to keep the lines of credit, and didnt call, and accepted the new rate. The new rates came into affect shortly after, and then without notice chase sent us a letter saying that after consideration, they decided to close all 4 accounts with us due to high risk. So what they did was trick us into keeping the cards to get the higher rate out of us, and then close the accounts. FRAUD FRAUD FRAUD. Isthere anyone out there that can help us with this, I am sure we are not the only ones Chase is doing this to.

This bank is the worst on earth. Not only did they close my previous WAMU account, they also totally screwed me on a late fee when my bank didn't process an automated payment on time. My APR went from 3.99% to 29.99%. I had never missed a payment or been late in the past. I called them with a representative from my bank and they were completely rude and refused to even talk rationally about what had happened.

Shame on Chase and shame on anyone who works there. How can you go to bed at night knowing that you're totally screwing people over ever single day. You are selling your souls to the devil. I am close to paying off my card and will never ever do business again with Chase.

Get this: I have had an account with Chase for over 15 years. I carried a balance for 10 years with a fixed interest of 4.99%. I did not miss payments, and they earned interest every month from me. I did not post new charges to the card, which is a bad thing from their point of view. Anyway, I paid off the 5K+ balance in full last month but forgot about the residual interest of $18.13 due. By the time I realized I owed this, the payment was a few days late. They charged me a $15 late fee which they would not reverse claiming it to be a "valid charge, " so I cancelled my account. The irony of this whole woeful tale is that my credit score will DECREASE as a result of paying off this balance and closing the card, but after I got off the phone with Chase, I looked at my last statement to discover the real kicker: they had raised my APR to 59.40%--that's right, fifty-nine point four zero percent--is that even LEGAL?

Chances are extremely good that it went into their pocket.

Yes, they are ripoff artists. They "lost" about $700 of my money, and haven't yet told me where it went.

Chase are ripoff artists. They are just waiting for any excuse to increase your APR to 29.9 percent. Don't do business with these guys!

Thank you Chase for the $10, 000 credit card that I currently carry, is unfortunate that many people do not take credit card terms and conditions seriously, even though they may say they do, they really dont. I do, so I have auomatic payment with my credit card because terms and cond. say that I may be repriced if I miss one payment or if it gets there late. I understand that they are trying to protect themselves and un like the failling banks chase really takes loans seriously.If I didnt agree to the terms that are written behind my statement each month It would be safer to borrow from a relative or even a friend, not a bank. Yes! Credit cards are no joke.

Chase credit card charged my account with $15 late fee and $1 interest on 7/5. But, our payment was not late, instead, Chase received the payment late. Chase system doesn't receive payments on holidays (7/5 Monday after 7/4 Independence Day), but the system does charge late fees on holidays. We called to try to resolve the issue, Both one executive and one superviser refused to reverse the fees. We believe it is extremely incorrect to charge us late fee on a holiday when it is Chase system that failed to receive our payment. And our entire buys (and payment) for the month was only $63.85, while the fees are $16 (i.e. fees are 25% of balance). This is very abusive. The bank's terrible behavior should be punished. Customers should be aware of this kind of terrible practise and should bank with a decent bank.

I had a Washington mural card for years. Then chase took over. So things are going pretty good, always paid more than the minimum amount. Well low and behold I was late one payment. My new card came in the mail and I tried to activate it. When I couldn't I called and was promptly told my account was closed because I was late the one time. Now I look at my statement where the interest has now jumped to 31.99%. Are they serious? Im trying to pay the crap off. So I call. Get some woman from India telling me that is the only rate they will give me. How are people spouse to

I have three Chase credit cards. Two of them have a zero balance and I owe one about $7500. Today I got in the mail a letter from them stating they were cancelling one of my cards with zero balance for the standard BS reasons. I called them and they said my debt to credit ratio was really the reason. I said that ratio has been getting better for the last two years and therefore they were not really telling me the truth. I then spoke with the supervisor who asked for my income which I told her. She took a few minutess and came back apologizing for the delay and then told me not only was that card cancelled but the other zero balanced card. I told the ### that her apology was not accepted and we all know the cards were cancelled because of inactivity. I told her it was obvious that she was lying and she should be ashamed of herself. I also told her that I made up my mind a long time ago that if I got screwed by the card companies three times I was going to go with a debt relief company where I had the final say on the settlement and was not going to allow them anymore than 30 cents on the dollar. I told her she has just cost Chase $5000. I am from the old school which means I have always paid my debts on time and in full but at 60 years old, I have decided that the old school does not work anymore. With the millions of honest citizens suffering because of the financial perverts I feel my complaining is the least I can do. There are many many financial ###s that need to be prosecuted becausee of the pain they have caused. I say line them up and shoot them and our economy will rebound immediately.

I have had a chase account for 14 years with no problems. I have always paid my payments on time and never went over my limit, until recently. I missed a payment by 3 days and went over my limit once because of the interest they tacked on. I recieved a notice in december that they are going to raise my interest rate from 13% to 17%. When we called to talk to a representative about this we hit a road block. The guy on the end was rude and would not help at all. He just kept repeating himself about how it would not change the interest on what I already owed only on future purchases. I said, "I don't care, I will not use your services if I have an interest rate that high. My credit score is over 800 and I have no reason to pay a rediculous amount of interest. After a 30 minute conversation with this so called supervisor I got no where. I had to close my account. They did not care at all of my continued service with them over a 14 year period of time and would not take that into consideration at all. I asked to be called back by his supervisor and did not recieve a call back after 48 hours as promised. So as I promised I would do I am finding every sight I can possibly find to post about my experience with this poor service company that does not care if they keep there customers or not. Regardless of your credit score they will charge whatever they feel is necessary and will not budge to keep there customer happy. So if you are thinking about signing up with this company, think twice because if you are looking for a company with good customer service (which is important in this day and age) then you will not find it here. Trish Ormsby, Nampa, Id

Chase bank took over my bank several years ago and the level of service has gone incredibly down hill. I have a Chase Freedom Card which for the last year or so I have used occasionally.
Last year I erred in leaving my interest free charge too long and incurred an interest charge. I paid the charge but complained about the calculation, after several message communications, rude replies from Chase I might add in which I questioned the calculations they have knocked me off the website because I noted that I was unable to calculate the average balance from the calculation that they sent me. The website gave a phone number to call which I did (they say there is a "Security Problem" after getting passed around numerous times and calling back on the fourth try I am told to take identification to a branch.
Several days later I did this and the girl then calls the same department which questions her about me and asks if I am a customer of the branch which she tells them no (I opened my accounts 20+ YEARS AGO at a branch bank office that does not exist anymore) then my drivers license, another credit card, and finally my social security card which I did not have on me. then whoever she had called declined to reinstate the account. Apparently he (or she) just kept asking until there was something I did not have in my pocket. The people in the branch are always nice and cannot do anything. Since the Chase purchase have closed 2 of my 3 checking accounts, 2 credit card which Chase bought and now a third that I will not use. Since I no longer have a checking account the branch is inconvenient and I have several other cards and have opened accounts at other banks, I discovered as an employee of a bank that you should never use just one. It is clear that questioning them will bring retribution. I questioned the calculation used to compute the interest I paid, since it was only $8 and I had paid it last February I was not very concerned but I feel they are consistently stealing from their customers and cut off any questions when found out.

Chase Credit Card charged my account a one dollar interest fee. I know its only one dollar. However, my account was closed well over a year ago and I just made my last and final payment over a month ago. Now how can this bank charge me a "minimum one dollar interest fee" on a closed and zero balance account? My gripe is this. What if and I am certain there are, a million other unsuspecting people out there being frauded a this small amount. Thats a million dollars in the pockets for the CEO's. the rich keep getting richer while they steal from middle class working people. shame

So, all last week I was trying to pay my Chase Credit Card online, however, every day, the website was down for "Maintenance." I always pay online because if I send it in the mail it sometimes gets "lost" and when you pay over the phone, they charge a $15.oo fee. The payment was due on THANKSGIVING and because I was away, I could not pay on the phone because I did not have my banking information and the site was down again. This card used to be a CIrcuit City card and I would always pay at the store. I tried to pay this account at a CHASE bank and they told me I couldn't. I was finally able to make my payment when I returned home the following day. I called CHASE to see if the could waive my late fee as I explained my situation. The REP, in his fake customer service voice said there was nothing he could do, a line I expected. I then asked to speak to a SUPERVISOR and the REP said I could not. I asked again, and he said their was no SUPERVISOR there for me to speak with. I asked if there was one in the building, and he said no. I asked to speak to a manager then, and he said no one. I went back and forth with him for over ten minutes and not once would he put a SUPERVISOR on the line for me, saying that he could schedule a call back. I explained I Had to work later in the day and that I wanted to speak to a SUPERVISOR now and that I would wait. He continued to tell me no. I have never been so upset with any type of customer service. To tell me that there is a building full of employees and that there is no SUPERVISOR is outlandish, especially in a CALL CENTER environment. I know, because I have worked in a CALL CENTER. I know that there dozens of Supervisors in a building at one time. I paid off the card, however, I will no close the account because I do not want to hurt my credit score.

My Wamu credit card was absorbed by Chase and they immediately increased my interest rate to an ungodly 29.9% and reduced my credit line at the same time. After I paid off my account prior to the statement close, I assumed I would just leave it open and did not even pay attention to it any more. I did not expect to receive an addition finance charge for the few days that there was a balance before the payment was posted. When I realized there was a balance, it had become late by 2 business days they imposed a late fee. When I called to inquire and try to have at least the late fee waived I was told tough luck. They would not even let me speak to a manager and when I expressed my disgust all they could say is they were sorry I felt that way. I guess they are the big bully on the block and don’t care about taking everyone’s lunch money. I immediately closed the account and can’t wait to tell everyone I can that they are an oppressive origination.

A $39 late fee is excessive. Period. Having seen this on my bill, I became livid. As the person who writes the bills, I am on top of due dates. However, that doesn't necessarily mean the check gets in the mail. Regardless, four days late.

As a customer who has historically paid his bills on time, and much more than the minimum, I thought I was a good customer. Doesn't matter. According to Mike at Customer Service, its a matter of corporate policy not to refund late fees. "You can talk to my manager, he has no authority (can't do it) to make that happen, either." Credit cards are commodities, it's the customer service that differentiates businesses. In Chase's case, I guess they prefer to be a commodity.

They have just lost my business. I also have a mortgage with Chase. I'm considering moving that business as well. My ire has now turned to disappointment.

Regards,

Brian Fisher

I tried to contact Chase regarding the raising of my minimum payment by 2.5 times the original sum, only to encounter the rudest person I have ever had the misfortune to try to deal with in my 65 years! She would not even let me get a word in edgewise, and indicated in an absolutely brutal fashion that there was no opt out; that bankruptcy was not the answer, but I could certainly do that if I felt it was an answer; yaddah, yaddah, yaddah. She wasn't even an American! Chase has encouraged it's own problem. I will struggle through and pay every penny, but I hope that their pompous ### personnel and CEO, etc. experience the same coldness when they are struggling to survive. It will be a cold day in hell before I ever do business with them, and I will encourage everyone I know to cancel their accounts before they are taken to the cleaners also.

My husband and I have a joint credit card with Chase, (was a WaMu Account) and we have had this account for many years with no problems. Never been late on a payment. Sometimes we pay off the balance and other times we have a balance for a few months, but never ever late! NOW that it's a Chase account we received a notice in the mail that our interest rates will be going up starting July 1st 2009. We called of course, and spoke to a customer service rep and they told us that there was nothing that they could do for us. NOTHING! END OF STORY! We will pay this card off by the end of this year and we will never ever bank with Chase! So, Chase can just go Belly Up for all we care. Very unhappy with the way we have been treated. Hope they get was they give, Nothing. People should not do business with Chase, take your banking else where, maybe a Credit Union anywhere but Chase if you're smart?

I was a victim of the same thing with this company...

I got the same thing, I was happily paying my refinance, when they hit me with another bill. First it was 2, 000, now it is 1, 000 something. Maybe if I don't pay it it will go down some more ;

Chase is the lender for my school loans, well at 15% interest and clearly still a student, they have added
incomprehensible charges, harrassed be up to 20 times a day and ignored by "deferrment status as a medical student."

It should be illegal what they do to me. If this is what it take to become a doctor, so be it; I am persecuted by
Chase Phone Bullies. Don't use Chase Bank for anything!

I am "Power of Attorney" for my mother. My mother suffered a stroke on October 5, 2009. She had been up to date on accounts until that time. On December 10, 2009, after receiving "Power of Attorney" and access to her checking account, I sent a letter to all of her creditors explaining what happened, and that she would not be able to make the full payments on her accounts, but, they would receive a minimum of $5.00 each month (which has been sent each month, and sometimes more, if she has the funds available). I explained that this was due to the substantial cost of my mother's medical costs due to the stroke. Furthermore, in that letter, I ask that all further communications be by mail due to the fact that, one, I don't reside with her, and, two, the stroke had left my mother with a speech impediment and she has difficulty thinking clearly. Furthermore, her doctor strongly advised against her becoming upset. All of her creditors complied with request, except Chase. Chase continued to call her even though, they had been asked not too. In December 2009, Chase Bank was given my phone number, and I again explained my mother's situation to Chase. The phone calls kept coming, and I continued to explain the same situation (didn't change) each time they called. In March 2010, I had finally had enough, as I grew tired of telling them the same thing over and over again (Couldn't understand why they seem not to understand the English language!). Again, I wrote Chase explaining that continued phone calls served no other purpose than to "Harass" my mother and/or me, since I had explained her situation many times, to many of their employees (Who claimed they would note her account). I even quoted the law regarding "Harassment" in that letter. I also informed them, in that letter, that I would no longer accept phone calls from them, and that further phone calls would be interpreted as "Harassment", and would result with a complaint filed with the FTC (Federal Trade Commission). The phone calls continued, so I DID file a complaint with the FTC. They still continue to call, although, I no longer answer calls from them. Today is 4/27/2010, and the time is currently 10:09 am PST. Between 8:00 am this morning, and 10:09 am, I have already received four (4) phone calls from Chase Bank [protected]). My phone logs all incoming calls. It appears to me, that Chase believes, not only, they are "Above the law", but at the same time, appears to be "thumbing their nose" at it, as well. Perhaps a fine of a few BILLION dollars might help them "wake-up"! DON'T BANK WITH CHASE! Oops!...there's another call from Chase...that's five (5) now!

I'm glad I found this site. I have been getting 6 - 9 calls from Chase a day, alternating between [protected] and Private Caller. I have not been late for several months however, they continue to want to know when I'm making my payment. I began answering their calls in the last couple months or so and just today handled four of their calls alone. Everytime they kept trying to talk over me because I would not confirm the name they were giving. I also told the guy to give me his phone number so I can call him ten times a day to see how he liked it but he talked over me. I asked several times for them to stop calling me and that I considered these numerous calls as harassment but they did not care and would continue to talk. Until I blew it on the last call I answered and said "Holy Moly Mother of Mary." I have no idea why I said that it was random because I normally cuzz but it was merely out of frustation and random. It worked. the guy actually stopped talking and hung up on me. I have not gotten one call from them after that. Go figure. Try it see if it works for you..

There is a reason it is called the root of all evil... these folks have been brain-washed by Satan to believe they are above all other living creatures, just because they hold and steal your money. Get away from this bank and join a small, local credit union. I have been part of the same credit union for 20 years - and, sure, they have their pit-falls as well - but overall, they treat you like a person and are much easier to deal with on a day to day basis. Take care and may God bless you, too.

Agreed Stew.

I paid off my "chase" credit card on the 11th of October 2011 and closed the account. My credit card payment was due on the 15th of October. When I went in to pay off the credit card, I asked for the payoff amount (which was $300 more than I had expected, according to that months statement). I let it go because I may have used the card between the two payment due dates. On the 12th I checked my bank account on line to make sure it had been closed. It had been, but it also showed a credit of $18.52. I would not have known this if I had not checked my account on line. A week went by since I had paid off the credit card and I had not received a reimbursement of the $18.52, so I dropped by the bank to inquire about it. They told me they normally keep the credit in the event I owe more money. What the hell? I told them I expected a check for the $18.52 within a week. I received a check 5 days later with a note saying I still might have a balance. On the 22nd (today) of October I received another credit card statement showing that "chase" did not close my account until the 18th of October (7 days after I closed the account) and an interest charge of $37.00 was added on, on the 18th of October, 7 days after the account was closed. Talk about blatant thievery. This is exactly why I changed my banking to a credit union.

I wrote the "cease and desist" letter, as, I was informed by Chase that's what I needed to do to stop the phone calls...Therefore, they must be subject to the law, or why else would they have asked for the letter?...Are they just playing "games", then?

Below is a copy of the State of California, Fair Debt Collection Practices Statues, Article 2.9:
(http://www.dca.ca.gov//publications/legal_guides/dc-2.shtml#article24)

Harassment or Abuse

It is a violation to harass or abuse a debtor or any person in order to cause payment of a debt. For example, a debtor may not vex, trouble or annoy the debtor or anyone continually or chronically, as by repeated telephone calls, in order to induce payment. The following specific rules apply:
1. Harassment or abuse by telephone. A collector may not make the following uses of the telephone to collect a consumer debt: (a) to cause the debtor's or anyone's telephone to ring, or to engage the debtor or any person in telephone conversation, repeatedly or continuously for the purpose of annoying the person called;134 (b) to call the debtor or anyone with a frequency that is unreasonable and that constitutes harassment;135 (c) to cause the debtor or anyone expenses for long-distance telephone charges, telegram fees, or charges for other similar communications, by concealing or misrepresenting the purpose of the call;136 or (d) to call the debtor or anyone without disclosing the caller's identity.137

2. Other forms of harassment. A collector may not engage in any conduct in connection with the collection of a debt whose natural effect is to harass, oppress, or abuse the debtor or any other person.138 ("Natural"; means how an ordinary person would ordinarily feel; the term "harass"; has no statutory definition, but probably includes rude, nasty or other un-civil or unreasonable behavior.) Conduct that is similar in purpose and effect to the conduct described at paragraph 1, but is accomplished by some means other than a telephone (for example, publication on the Internet or by e-mail), is probably unlawful.139

Action: If the debtor or someone in the debtor's household receives and is harassed by repeated telephone calls or by any other repeated acts by a collector or any of its employees, the debtor should make a written note of the facts, and then send the collector a letter notifying it of the misconduct. If the misconduct has serious consequences or is repeated, the debtor may register a complaint with the FTC.

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I see nothing in article 2.9 that distinguishes or lists what debt collectors have/have not to abide by this law, and was not able to find one anywhere else on their website. My mother is 82 and sole income is Social Security. I doubt, after suffering a stroke, that she much cares about her credit score, and I'm not a user on the account. She also owns no "real" property to put a lien on. Also, the credit card insurance IS making the payments on her account. Chase is calling in regard to the amount that is behind because of the time it took me to get power of attorney and access to her checking account. About two months. Anyway, my complaint was regarding the harassment, not the debt. As I stated above, the situation has been accurately explained to them many times, and furthermore, I've even provided a copy of her doctor's report to them, at their request...the same one that was provided to their credit card insurance company. So they know she's not trying to pull a "Fast One" on them, and they are aware she's never going to be "normal" again. I HAVE provided Chase with several copies of the POA, twice by mail (have delivery confirmation), and once by fax. Neither I or my mother has ever asked that Chase change the agreement. My point here is...Since they are aware of her situation and backed-up by her doctor, what other purpose can the phone calls serve, except to harass?

First of my my most heart felt sympathies to you and your mother. I know it's not easy.

My take from your story is that you should seriously look into filing chapter 7 bankruptcy. I know seniors can get weird about it but there is no shame in filing bankruptcy. It's a legitimate business decision like any other.

My best wishes to you and your mother.

They can keep calling if no one answers. Also they do not have to accept your arrangment. It would be nice if they did but they legally do not have to. I will warn you though they can sue her and will probably win. That could result in her bank account being garnished. Be careful because assuming they can not do anything could cause you both much heartache. You dont want them filing a judgement against her and attaching a lein to her house or bank accounts which they can and probably will do

WE ARE DOING A DOCUMENTARY ABOUT ALL OF THE PEOPLE WHO HAVE HAD BAD EXPERIENCES WITH WAMU/CHASE BANK- IF YOU ARE INTERESTED IN BEING A PART OF IT
PLEASE CONTACT ME AT
minmoore33@gmail.com
thanks!

My name is Ron Balawenderand I have a problem concerning my home mortgage (loan number [protected]) with Chaser Home Finance. I've had more than six conversations with your Custmer Care personnel to correct the problem however; each time they state the problem has been corrected, my monthly statement does not reflect the correction. Also, my checks are always mailed 2-3 days before the due date. The following is a chronological list of events starting late 2010 in which the problem occurred:

1. Made the November 2010 payment of $552.48 check number 521.
2. Made the December 2010 patment of $522.48 ($30.00 error) check number 339.
3. Contacted Customer Care and explained my error and was told to include the $30.00 in the next payment and the error would be corrected.
4. Made the January 2011 payment of $580.10 which included the additional $30.00 check number 292. The check was mailed on [protected]).
5. North east Ohio had a snow storm at the end of January 2011 and apparently the check arrived 2 days after the [protected]) due date.
6. Contacted Customer care after receiving the February 2011 billing statement and told them I received a late charge of $27.62. I informed them of the snow storm and and stated I have no control over the US Postal Service and they said the late charges would be removed. Also on your billing statement it states that payments received 15 days after the due date would be subject to a late charge.
7. Made the February payment of $552.74 check 302
8. Each billing statement I've received January 2011 has been in error. First, the monthly payment has never been corrected and second the billing date and payment due date are wrong. For examople, I made my April 2011 payment as of [protected]) for $552.48 and on the same day I received another billing statementwith a statement date of [protected]) and a due date of [protected]). The bill amount was listed as $1160.20 with a late charge of $55.24.

In addition, I would like to make a comment regarding your Customer Care personnel. It appears they may not have the necessay tools the make the proper adjustments and may also reqiure additional training. I'm assuming your Customer Care personnel are managed in a call center enviroment.

Your attention to resolve my loan account problems is very much appreciated.

Sincerely,
Ron Balawender

I am having the same problems - husband sick and only working parttime . Put me in foreclosure because of escrow on taxes- paid up to date and they are still holding me in foreclosure and wanting more information that has already been sent . I also recieved a letter that we were approved on the modification and then they changed it to a forebearance and want us to submit new w2s and Income tax proof.

Be very careful with Chase, as they are still ripping people off. They have poor communication skills and their loan officers do not seem to have enough experience to hadle any loans. Just recently (2011) we were approved for a refinancing loan, just to be declined at the very last momment. The $395 that was said to pay for an appraisal, was later on to be for application fee? Ths loan officer never told us this application was going to have a fee, after the fact that we paid was it that they changed the reason for this "fee". how did it go from appraisal to application? then he tells us: "applications or appraisal its the same thing". No it is not because appraisal never showed up to one of the properties, therefore we should not have to pay for that. they took my money and ran. Changed the story over and over again and again. never did we get strainght answers.

I, too, was taken for $395 by Chase. They told me it was a "lock-in" fee. No lose. If we didn't go with the loan, we would get our money back. If we DID go with the loan, the money would be rolled into our closing costs. Well, we didn't go with the loan and just this morning were told that our money would NOT be refunded because our "loan was in the system 10 full days before canceling." We were never told that there was a deadline for cancellation. I paid the $395 with a credit card through Wells Fargo. I now have it in dispute with Wells Fargo hoping that I'll get my $395 back. Absolutely they are crooks! ALL of our personal accounts are with Chase (formerly Washington Mutual). Including mortgage, savings, retirement and checking. I'm pulling everything out. I don't want to give these people another PENNY of my money. Crooks! Crooks! Crooks!

I am in the midst of being ripped off right now. Similar story as the ones above.
I paid a $395 application fee. Locked a 4.87 30 year fix with 2 points . Turned in and signed all the paper work in a timley and responsible manner. About 30 days into the process, I was approved and was told we should be done in a few more weeks. 60 days went by and still no closing date. Then they gave me a free 30 day extension (probably out of guilt and shame that they were dragging their feet) however my rate was bumped up to 5.125 and an extra .125 of a point added on. An old bait and switch but I sam still willing to do the deal. Rate will expire in 4 days now and my mortgage officer tried to insuate that I did not want to do the deal and therefore am not entitled to a refund. Now that I made it clear that I do in emails... there is silence and no phone calls are being returned. They are waiting for the rate to expire because rates are even higher now than before. What a bunch of crooks!

My Mom experienced a denial of her loan application from JPMC even after a great credit report, a very nice appraisal, 10 years of early payments made to, new windows, put in new hot water heater, new hard wood floors, new stone wall decor framing yard, well kept yard, and a payment of $750 Application fee- non refundable. Very disappointing.

We know where you are coming from as we have been waiting forever for Chase to say yay or nay on our mortgage loan. They took their good old time in underwriting then come back saying they needed a 2nd appraisal. Even though Chase was negligent with the 1st appraisal they said we had to pay for the 2nd one, which cost more than the first appraisal did.
We just found out today that the 2nd appraisal came back exactly the same as the 1st and wasn't even carried out in a full appraisal manner. Man, what a rip-off and a way for this bank to take more money from us for no good reason. We now have close to $1000.00 in appraisal fees to one bank and not a damn thing so far to show for it. I’m starting to believe this whole damn world has gone mad or something!

Hello,

NACA is here to help resolve any issue that you are having. We apologize for the inconvenience of every matter that may or may not have taken place. Please feel free to email me or any of the other NACAAnswers correspondents on the forums. Email us your name and ID so that we can handle your file directly and answer and question that you may have.
latoyajones@naca.com
groseboro@naca.com
lwillhite@naca.com
mpernell@naca.com
ivespa@naca.com

I have 11 WAMU originated Chase mortgages on 10 rentals and my home. After divorce I fell into same situation of overdue property taxes causing escrow creation and Chase is ruining my credit by taking payments and applying to full escrow shortage sending mortgages past due. Plus raised Credit Card interest to 27% and cutting limit every payment to keep it maxed lowering credit score too.