JPMorgan Chase
Reviews and Complaints

Chase is horrible... They never intend to work with you... I had private student loans I've been paying to the best of my ability, which was not good enough for them... They are in humane and don’t care for mankind... And the people who work there are villains...I had three loans they were behind but I was paying what I could the best that I could... These idiots took my money and applied it to just one of my loans stating that since the others were behind they just went into default...Why wouldn't you take my money and distributed to the loans that were behind, as I thought they were doing. They are horrible and a night mare from hell. Don't EVER USE THEM... If I was barely making it paying you what the Heck make you think I can pay it in default…Think people.

This company continues to exercise poorly. The above stories are identical to my situation. I as told that my transactions were not posted and the overdraft was due to items that were not posted. However my balance reflected the amounts that I was spending via my debit card. In addition my Quikpay was on hold and they want to use the amount for the overdraft. My entire "view activity" was changed to justify Chases "stealing" or tampering with my balances. If this is still an ongoing complaint please contact me via: trials27@yahoo.com

I so agree the same thing happened to me and my husband..and when i called customer service I spoke to someone NOT in AMERICA...wtf? I could barely understand them first of all and when I asked for the policy that states these policies they said they would mail me them, and I asked for them to read to me EXACTLY what it said and they couldnt I got transferred to "manager" who then said she could refund me one of the nsf fees they charged however the was nothing compared to the other 3 they charged illegally...after our direct deposit goes this week we are closing our account! thats it thats all!

My son has had the same problem. Even to the extent that they held a debt 2 weeks and then when it was going to overdraw him they put it through and caused a cascade affect making him 180.00 overdrawn. They have repeatedly taken out od fees to cause his account to go into the neg . For intance..he had $25.00 in his account, he did a debt for 20.00 they took out the overdraft fee and then put the debt through so he was od 14.00. Is there something being set up about this he just got hijacked today for 115.00 bucks now too. My e-mail is tawandatns1@yahoo.com. Please e-mail me and lets get these guys!

It was not pay at the pump.

I want to join a lawsuit! I just got home from my Chase branch to report an overdraft fee that they put on my account. I'm a student (4.0 GPA) and fine artist, so majority of the time I am very, very tightly budgeted. As a result, I told them that I did not want to be permited to overdraft my account. There are two businesses in the last two months that if the money was not in there, my card was declined there and I'm sure they would remember those incidents. Suddenly they allowed my card to go through at an Exxon and I have an overdraft fee. I explained how this has not happened before, my card will get declined and there has not been any overdraft's on my account until now. They didn't care at all, they showed me a form that I signed, "yes" last July for allowing my card to go through. If that was the case, how come my card has been declined up until now? They were not nice, not caring, did not remove the overdraft and didn't care that I was frustrated and confused over all this. I want to prove, and can, that they have contradictory methods regarding my account.

If anyone knows of a good class action lawsuit atty. can anyone let me know. The are starting to raise my mortgage payment by saying that my escrow account is short. my interest rate and insurance have not goneup...so My email is v40th@hotmail.com Thx

Since I have been locked out of my account for absolutely fraudulent reason by Chase, this is the only way to contact this company. I will soon be closing my account with company and will start legal action due their unlawful actions.

First it took them over six months to close an account that I asked them to do, the just closed it recently when I had to go to the bank becaue they locked me out of my account and I could not use my card, because they closed the card without notifying me, I spoke several customer service people and recieved different answers, I had to wait 3 days to recieve a new card, which interfered with lively hood. Now I am locked out of online acces, the customer service people tell its for overdraft, but the site says it is accessive log in. I do not have time to go up to the bank to get this straighen pout and now there are unknown charges to my account and I have no way of finding out what these charges are because I am locked out. I will be closing all account that I The customer service people have no clue what they are doing, all of their notes are different from the other. Chase practices is unlawful adn I plan talking legal action if my issue is resolved as soon as possble. I want a call and an email from Chase letting me know what has been charged from my account. I want all overdraft fees refunded since I am unable to verify purchases, due to Chase locking me out of my online accounts. The only way I know there been charges is due to mobile alerts! This is uncalled for and I extremely disappointed at Chase practices and the company treats their customers. Well, this company has just lost a customer.

Long story but here goes... My husband I have a joint checking & individual checking accnts & we always transfer money between accts. Our savings are with ING so no overdraft protection w/Chase since they don't do over draft protection from Checking to Checking acct. (which by the way even with that they charge $10 per transaction).

I knew I was going to be $15 short in my personal checking accnt so I transferred the money from our joint. I have been transferring between accts for the last 3-4yrs now & never had a problem but now Chase has decided that the cut of time for transfers is 8pm Pacific time 11pm Eastern & no transfers on weekends (when before it was all 11pm no matter where you were M-Sa) Lucky for us in the west coast! So my transfer did not go through because I made it at 8:30p (even though it was transferring money within the same freakin bank). But that's not the worst part, then they took all the big purchases and ran them first and kept the 3 smallest until the end so I did not just overdraw my acct 1x but 3x so now they are charging me $99 for $12 worth of spending which I had already made a transfer in order to cover!

I made two transactions in 1 store. One right after another. 1 for $5 and then 1 for $55 (Same store, same time). they credited the $55 then a bunch of other larger transactions and kept the $5 until the very end with the other 2 small transactions for $3 & $6.

THIEVES! I never had a problem with WAMU!

I could understand when you don't have the money and you should balance your check book and all that, but when the money is there (IN THEIR OWN BANK!) and you transfer how can they put a hold on that, that is just crazy!

I called and spoke with 4 people that gave me 4 different stories, the 1st person said I needed to talk to an online specialist to see when the transaction should have posted, then the online specialist said I was right and that the transaction should have posted and that I should get a credit because the transaction was done before 11pm which is the cut off, but she couldn't do the credit so she had to transfer me to the person that would give me the credit, then he said he couldn't give it to me and gave me totally different info saying that the cut off is 11pm Eastern time only, therefore my transfer was late. Then transferred me to a Supervisor (Lacronya Alexander) who was useless and gave me totally different info than the first 3, she said that the cut off is 8pm no matter where you are!

So am I right, wrong, is the cut off 11p for everyone, 11p Eastern or 8p for everyone. I bet if I call right now I get another totally different answer.

And if they work there and don't know when the cut off really is how do they expect me to know!

Just ridiculous, no shame! I'm in for a lawsuit contact me at: yescar@sbcglobal.net

Thank you for your submissions. I thought I was going crazy. My account was fine late yesterday. I woke up to $150 in late fees. My account was completely rearranged so that all my previous little charges would be sure and have a overdraft fee. UNBELIEVABLE! Will someone PLEASE FIND A LAWYER WHO IS FOR THE PEOPLE! CHASE BANK IS CRIMINAL! The same thing happened to my daughter. She had even printed out her account (which was fine) the day before she was slapped with $200 in late fees. PLEASE GET THE CLASS ACTION SUIT GOING. We were sucked in by their $100 offer of opening an account. No one is aware of their practices until it's too late. Why doesn't the govenment step up to the plate and help?

For those of you that don't know...here is a link where you can file a complaint:
http://www.fdic.gov/consumers/questions/consumer/complaint.html

I have to second that. They are a total PITA. I'm sorry, but I send my check 10 days in advance of the pymt date to be sure it gets there and then they don't cash it for days. WTH is up w/that? We will be re-financing our loan on the 1 year anniversary date of the loan, I can guarantee you that!

Received two money orders for a treadmill i sold to sandra from craigslist. I was told to deposit the checks and then withdrawal the money to wire transfer the money to the moving company who will be picking up the treadmill. I decided to ask my bank if i could cash the money orders instead and the teller told me yes until she noticed that the watermark was not accurate. I contacted chase directly to very the routing number and it was indeed invalid! Please verify all money orders or checks before cashing or depositing!

Chase was so horrible that when I lost my job and they offered me one at a high rate of pay I told my wife I would not be able to sleep at night working for a company like that.

In addition to the many other poor encounters, including the 3 business acounts and two personal accounts we had. I asked for an extension on my auto payments, mind you I had never been late in two years and I asked because I lost my job and was seeking a new one. They denied me said unemployment is not temporary. My wife called back a few days later and asked for the extension on her behalf as the primary and having just started working as a professor at the University. Needless to say it took 5 minutes before the customer rep called her a lier! This was after she provided her work, phone, position etc. When they finished they said they call us back and let us know about the extension, my wife looked at me and said I rather die of hunger then have you work for Chase. Needless to say they didn't ever call us back and then when I called Chase Auto I requested the info they said they didn't have it, I gave them the info along with name and info for my new employment because I now have a job making 10k more then I did previously and their stuborn lazy CHase representatives denied me again and the lady was practically laughing that they would take my car. I have auto loans with a credit union and Ford, both of then granted my request no issue, Chase and Chase Auto are terrible avoid them like the swine flu.

I too would like to add my two cents about Chase! They have the worst customer services I have ever spoke to.
I have been affected by the economic (Job loss), granted prior to my loss I had paided on time for the last three years on my car loan. But now that I'm unable to pay on time or a day late they (customer services) has made my life a living hell. I need to keep my car so that I'm able to find work, but I just regret the day I accepted financing through Chase auto. I think if every customer that has a auto loan through the company would make them feel the effect of the economic their attitude would change fast.

If you read your contract it explains the way interest is calculate. Most finance companies use simple interest these days. Here is the short version.

The interest is not booked as part of the loan balance. It's the principal only. The interest is calculated based on the daily balance, interest rate, and how many days there are between when 1 payment posts to the next payment posting. (not due date).

So if your daily interest is 10.00 per day (just using round numbers), and you make your pymnts 30 days apart, you will pay 30 days of interest =300.00. The rest of the payment you made will go to principal. If there was 35 days between the last 2 payments, you will pay 35 days of interest = 350.00, and the rest will go to principal. The daily interest will go down as your balance goes down. The only way to pay exactly the interst on the contract is to make each payment EXACTLY 30 days apart. Keep in mind some months have 30 days, 31 days, and 1 with 28 days. All of these is written on your contract (probably the back that no one reads) in legalese.

Hope that helps

I am in the same situation as you. I ended up having the car repo'd. or be stuck for another 5yrs. these people are thieves. I plan to report them to BBB and consumer services. I also plan to hire a lawyer. These people need to be stopped!

I have a truck financed with Chase Auto Finance they dont wont to work with you, the interest is not calculated the way you or i would it is compounded daily thta is what i was told today as i was trying to get help so i would not fall behind on my payments. What does it meaninterest is compounded daily who really understands that do they use different calculators than we do they bet me out of over $4800.oo in interest i am paying almost 100% interest on my truck The amount financed for my truck was $ 10, 275.00 when i purchased it. i have already paid $ 11, 063.32 and I still owe $ 6, 404.48 A Chase agent told me today my interest rate is 23.25% and its compounded daily so i thought the interest was $ 2, 389.00 and today i find out its really $ 7, 192.80 and i am the co-signer my daughter has became disabled and cant work she has no income till she gets disablity now i have to pay for this truck or ruin my credit so what choice do i have she said you can refinance im really wondering how that would help us at this point Chase is not a good company, Chase bets people out of money

Chase does do a bait and switch. They also process loans without an agreement. One year I had the school send the funds back and told Chase I would not be doing business with them for my daughter's education. I was already upset with them. It took almost a full term with the schools help, to get Chase to acknowledge the returned funds. The next year they sent funds without a loan agreement. I only found out when Sallie Mae told me that their funds were returned. It was too late to stop the funds. I called Chase and demanded I be sent the loan agreement that permitted them to issue funds. They sent me a complete file on another family with personal information and ID, from the 1980's. They have never sent me any documentation but they sent me payment books, they are denying any payments were made. I am amazed that no criminal charges have been filed against them, and that we have so little recourse unless we file a lawsuit against them. Please do not use Chase bank. The school decided the next year to do their own financing because so many funding problems.

Chase student loans is horrible, they were dishonest with me about every step of the student loan process, and they call 6 times each day, even up to 8 oclock at night on Sundays, for as little as 30 dollars under payment. They will not work with you or give you any options, and when I spoke with a representative she literally told me I better "go get a job at McDonald's" to re-pay them. I have never had someone speak with me so rude, and even when my payments are on time they call and ask would i like to pay early, or am i available to increase the amount of my monthly payments. I wish I never ever chose them to do a loan with. They are truly harrassers, in every sense of the word. They charge youa $3 dollar fee to pay on the phone, and encourage you to pay through their website yet everytime I make a payment throught the website i get a call saying i have not paid. Then i have to go through the hassle of finding my confirmation e-mail, and then they just say "oh we're sorry."

Chase did me the same way upon graduation. All other student loan companies agreed to work with me where Chase down right refused! They then stated, make one payment then I could get the forbearance. Well, I made the payment (after borrowing from various people) only to be denied the forberance. I was then told I would have to make 12 payments in a row to be eligable for a forbearance. I was then harrassed by staff members. I wish I had never done business with this company! I was still paying what I could via my account on-line but now my account have been closed out and I am no longer getting anything in the mail. They are trying to make it where I can't pay anything.

I have also been screwed over by my college and CHASE. After 4 semesters of college my college no longer accepted CHASE. And knowing that I have been in student housing. The school never released any information to my email account and sent me a mail a few days during the scheduling of new classes and checking asking for more loans. When I finished signing up and etc. They asked me to contact the only fin. administrator who seemed to dislike me for some apparent reason. Every time I showed up in her office her smiles went away and her voice completely changes into an irritated voice and when another student enters her attitude changes back to the happiness she had before. Anyways she said that they no longer accepted CHASE and had to pick from another group of loan providers that they only accept from. And I was pretty much rejected by the only one that had deferred payment until i have graduated. The 3 or 4 were all payment plans every month while in school. And since I was not accepted I had to drop out of that school and attempt to transfer to a community college. I was accepted and all since it was a community college but the school had never sent my transcripts over. I payed them for several copies to send to my house as well as to the school i was applying to. I never received the transcripts in the mail so i wondered if the school had received it. And once I walked down to sign up for classes they said that they had not received the transcript yet and waiting. I went home frustrated and called the school. They didn't pick up the first couple of times after waiting half an hour each time. And finally when I got through they were in a rush to get me off the phone. I asked them why my transcripts have not been sent out yet and that I have not received any transcripts. (the school had this piece of paper they print out as a receipt that does not even work if they tried to scan it. The bar code across the paper is useless. Its just there to pretend that it is actually a receipt in of anything.) and so i had this useless paper that says that i paid the certain amount of money but it does not say for what. and i have several other similar receipts for the same amount for other things which made it useless since there is no proof that I have paid for that specific thing. since the bar code is there just to look pretty. Anyways so the lady on the phone kept saying that they could not find the paperwork and if she did she would send it that night and I would receive the transcripts in about a week or two. I waited that week or two and it was already cutting it close to registrations. (so basically I waited from the last day of school in December and had to wait two weeks for them to send it out and then called them again and they ask me to wait another one to two weeks max.) I waited but nothing happened. I called them again but no one picked up once again i was frustrated and annoyed. I called and they said they could not find the paper works. I paid them for a lousy service and have to pay them again if i want to enter another college. (They were unhappy when I decided the to leave the school because my money was what they were after not my education. And once the fin. administrator was all settled with me being accepted she started being a bit rude showing that she was irritated with me even though i never went to see her. The education quality of the school is extremely low in my opinion. There were only about two actual teachers that knew what they were doing. The others taught the class because they were placed in those classes randomly and did not know what they were doing. Others were doing it out of a slight hobby or wanted to test out a class they wanted to teach for fun which were required classes. WHICH WAS RIDICULOUS. And although this is true and has happened to several people probably just like me. I failed a class while putting in much effort to have him critique me harshly while several other students works were done right before class and critiqued less harshly and passes the class while I failed. which i had to take the second time and passes after a complaint about his favoring method and how students who were not favored were harshly critiqued and received a lower grade then students he favored who have done work before class or scribbled.) Anyways back to the CHASE Issue. So i told them about my situation and not being able to find a job that would hire me. they asked me to borrow money from my family and asked for family's bank account numbers and so on which i had to say no to since they are not here. and they seemed to be frustrated and said that they could not go lower then 600. and anything below would not make a dent in my payment and i will still have late fees to pay and it will all add up. Now no matter how many times i explain to them the situation they call me the next day asking the same questions over and over and over and over and over and over. I explain it to them over and over and over. I am not even sure if they did the "BAIT and "SWITCH" on me that you have mentioned. (I also wonder if the financial aid rep took the 5k that was supposed to be sent back to two different loan providers for sending me extra cash. When I was about to remove it to send it back to the lenders my Fin. Administrator said that she would take care of it and for me not to worry about it.) HM (I can't seem to trust CHASE or the school that sucked so bad with horrible workers that were rude and unprofessional. Most of the workers there were rude while a hand few were polite. They put on an act until you have been there then their true color shows over time. yet it repeats itself when a new semester starts.)

My sister went to school to become a RN to better her and her childern's life. I co-signed for her student loans, Chase, Sallie Mae and AES . She is studying for her boards, and is working 30 hours a week. Making enough monies to pay rent, utilities, food and leaving little nothing till the next paycheck. Upon receiving the first round of statement(s) for her student loans she took the professional, responsible steps to apply for forbearance. Sallie Mae and AES where approachable, and accommodating with paperwork, questions, etc. She qualified for the forbearance with Sallie Mae and AES without apprehension. Now let's talk CHASE?!?!?! Each time a customer service rep called my sister she would explain the situation to them, her plead for their help went on deaf ears. She filled out all the required forbearance paperwork, each time upon submittal she was denied. HOW can they denie when she is not working yet in her field nor monies to do so? ALL she was asking of them is time to take boards and to be working. Does this company not have a soul, it is not like my sister is the only one in the country without a job?!?!? Then due to me being the co-signer started to call me. I would ask them if she had options, that at this time she can not afford the monthly payments? The rep. was quick to say you co-signed so why are you not paying on the loan when she is not able to? I told her that this was my sisters responsibility and she has made multiply attempts to defer the loan. In a nut shell she said not their problem. I questioned how was it that Sallie Mae and AES other companies whom provide student loans where more than kind to assist? They are goverment funded companies so they have more latitude with approve of forbearance to a student loan. They have called me at work on two occasions when I told them to call my sister direct or my cell, NOT my work! One today, I asked the rep. if they did not show a payment pending on her account? She told me no? Advised her that I would contact my sister to call them back and did so. My sister spoke w. a supervisor that she had made a payment to the loan and had a conf # of it. He did verify that he showed this too. So WHY was the rep that works for Chase call me telling me otherwise? The supervisor was obliging pre qualify her for forbearance(which I will not believe that till I receive paperwork?)! SUCH B>S>, Chase a domestic company offering student loans should be ashamed of themselves and how they act toward college grads who are struggling! I told my sister once she is working as a RN, she needs to consolidate her loans with a reputable company and NEVER to use CHASE or any company affiliatedwith them!

I am going through the same ordeal as everyone else. I graduated with my Bachelors degree and haven't found a job. I submitted forbearance paperwork to all my student loan lenders. I was approved by everyone except Chase. I called and explained to them that I am unemployed and I just need a little time to get back on my feet. They said pay my first payment and they would then be able to process my paperwork for a forbearance. I did, which I had to borrow money from my sister and her family. I re-submitted the paperwork and got a letter in the mail 2 weeks latter stating that they could not approve me. I callled and they said I can't show proof that I can pay so they can't approve me. I explained to them once I get a job I will be able to pay. I asked them is that not what a forbearance is for. To give the newly graduated student time to get on their feet. They said no. It only brings your account current if you are late but, you still have to pay the payment each month. I asked them what other options do I have, I have no income to pay them. They told me I had no options, I better borrow more money from my sister or sell something in order to pay them. My family and I have banked with Chase for many years. This was the only reason I took this loan from them. We have always been very happy with Chase. The student loan section of the company has ruined my trust in them. I will never get another loan, mortgage, credit card, or anything else through them. BEWARE STUDENTS OF GETTING A LOAN THROUGH CHASE STUDENT LENDING!

They are all for lending you money, but try to put the loan in deferment & they give you the run around & while it takes you MONTHS for them to receive all of your paperwork that you have been sending over & over they report your non-payment to the credit bureau.
They also sold my loan & never notified me which is against the law. I only found out because I received a bill from a new company, called them, & they told me they purchased it from Chase! All this only to find out Chase didn't sell the loan in it's entirety; they retained part which I had to go back & get into deferment!
When I tried to get it straightened out, they refused to let me speak to a supervisor insisting one would call me back - never happened.
My other companies processed my deferals with no problem, now I can't get a mortgage because Chase wouldn't fix their mistakes!

I have had a similar experience with Chase, albeit about a seperate issue. I have a Chase student loan that I am paying back from my undergraduate education. Before I enrolled in graduate school, I contacted Chase to receive information about an in-school deferment for the loan. On multiple occassions I was told that if I was at least a part-time student at an accredited university, I would receive an in-school deferment.

As soon as I started my graduate program I completed the requisite forms and had my school certify them. I sent them to Chase and waited several weeks without hearing anything. I contacted them and spoke with a representative who told me it takes time to process and to call back later. The next time I called, I was told by the representative that the type of loan I had was ineligible. I asked to speak with a manager as I had been told on multiple occassions previously that I would receive this deferment. The manager was "busy" so I gave the agent my phone number for him/her to call me back when they were available. Four days went by and no one called. I never received so much as an apology for all the misinformation I was given. I am now in graduate school and faced with student-loan payments that I can't make because Chase lied to me.

Since then I have spoken with more Chase representatives who have assured me that I am eligible but never sent in the correct forms. However I have also spoken with agents who dispute that and say I am still ineligible. This is extremely frustrating. Every once in awhile you will get a kind agent, but for the most part, the people I speak with are rude, unhelpful, and give false information. It is not surprising to see that they have an F rating at the Better Business Bureau

AVOID THIS COMPANY!

I too was ignorant to the fact that I took out a parent plus loan of apprx. $28, 000 for 1 year of college for my son. I was told that no money was to be paid until 6 months after graduation and long and behold "bam" I kept getting noticed of payment due $350.00 a month. I said to myself "WTF" I can not pay this now! They school mislead me. The loan is from the US Dept of Education and now the 1st time in my 53 yrs of Life ..I have bad credit. Does anyone know how I can get out of this bogus loan? Pls pls advise
10-22-08 see address email below:
Gary ...my email is coldsudz@yahoo.com

I work in a financial aid office at a private college and have just met with our Chase Bank rep. He told me that the highest possible rate for a student who applies for a Chase Select loan without a cosigner is prime plus 6%. If the student has a cosigner it could go as high as prime plus 5.5%. Are you sure about the rate that he was given? Was it called the Chase Select loan? They do have other private education loans as well. And it is true that 99.9% of private loans have variable rates. I did have a student who found a private loan through her own state's guarantee agency that had a fixed rate. You could always have him get another private loan elsewhere and have the Chase one returned. The financial aid office at his college can help him with this but they will most likely require that the new funds be there first before they will return Chase's funds.

This bank is involved in major criminal activity and have our government buffalowed real good. They lie directly to congress and our president and need to be put out of business for it! If you and I let them get away with these huge rip-offs, all the other banks will follow their lead. Write congress and expose these criminals and report their criminal ways to your attorney general etc. There is also a very helpful website. www.helpwithmybank.gov that should be able to help you. Write them a letter explaining what Chase has done to you. This is a very organized and wealthy bank that will probubly get away with this theivery if we let them. Get mad AND even, I am. Don't give up or give in. They may not prevail!

DONT DO IT! We were offered and excepeted a rate reduction for our loan on a property in Texas. After agreeing to a rate we paid an applicatin fee of $395.00 and a closing fee of about $450.00 after the the loan was approved. We signed all the closing docs with a Notary and had a date to start the new loan a month later. Then all hell broke loose. To make a long story short our loan officer and Chase bank in San Diego were not authorized to make loans for Texas properties. Our officer was still in training and didn't know he couldn't sell a Loan Mod for a Texas Property. We did not look for this loan, they called us! They wanted to start all over again with a new rate that was not exceptable to us. We said that we weren't interested in a new rate and wanted a refund. They said they would not refund the App. fee and then charged us for the $175.00 for the Notary! We are going to be suing in small claims but this is a joke. They won't even return our calls. We have been a Chase customer with no late or missed payments for about 5 years. I will be looking to refi with someone else. Chase is a Rippoff...WTF Dont say you haven't been warned!

I have had the same problem with them. Chase Bank is absolutely terrible. We are switching banks. There was a charge on my girlfriend's account (debit card transaction) that we never took part in. I called them and Chase said that the debit card was present at the time of purchase. I explained to them that I have never shopped at that particular store and was 100% sure I did not make that purchase. I am still in the process of trying to get my money back.

Read mine.. I have them on tape and some papers they printed.. which I really shouldnt have due to it showing the times of charges going into pre auth and wdl purch which means when they actually paid that merchant.. she lied through her [censor].. and Im so tired of these jerks draining us and now have proof that the system or them is switching posted and pending charges so you are charged a back over draft fee...

They are incompetent idiots; as least the ones I can understand! Two years ago I tried to refinance and paid $900.00 to get it going, every time I called I was directed to a new rep and given a new e-mail to send paper to. Then I call because I’ve heard nothing; I was told the appraisal was now too old and I needed to re-apply and pay for it again. I get paid on the first of the month so that’s when I send in the payment, I always get called from some person I can’t understand. My wife and I decided to use some investments and just pay the house off so I requested a payoff amount in November and skipped November’s payment. Its December 3rd and I call today to get the payoff amount, I did very well today; one and a half hours on the phone and I only was cut off three times and had to call back. Yesterday (Friday) the collection dept. called twelve times, yes that’s (12) times. And no person at chase will listen or try to help. I’m very ashamed to think they are an American company.

I agree CHASE bank sucks, they are horrible people and they take advantage of anyone they can. They are crooks and I hope they get sued, I will NEVER have anything to do with anything with the CHASE logo on it.

Do not use CHASE, no matter what, if you need a car, buy a car from a stranger on the street, before you deal with CHASE, you won't get ripped off as bad as you would if you were dealing with CHASE.

If you want to buy a house don't use CHASE, live in a shelter before getting tied up with CHASE, I'm not kidding! They will make your life hell, they will own you and your family, they will call your family and friends without your permission or knowledge, they should forced to close their doors, people need to start officially filing complaints on them, I am/did.

CHASE workers should be embarassed to be a part of them.

I agree Chase bank is a big ripp off. I have and will be closing my account soon. I was notcing on my online statement a charge of 20 dollars to my account. Little did I know this was happening which in turn made me go nsf because of their fee which I had not authorized.

Apparently the charge after discussing with a customer represenative is that my account is linked to my morgage account and the fee was to accomidate the convience. Keep in mind my account had always been linked to my morgage and I was never charge such a stupid fee.

They will be getting their payment for my house by mail from not own. Bye bye chase. My advice open an account somewhere else. I hope they get sued bunch of crooks.

Chase Bank is the biggest rip off. I was only 18 when I opened my account as a fresh college student and they told me they would give me student benefits. I can't even go to an ATM to check my money without getting charged. It's ridiculous. My boyfriend has Bank Of America and I need to transfer money to his account to pay half the rent because I don't have a check book and he does. They say it costs twenty five dollars just to do that meanwhile to put money in his account all you have to do is transfer it. No fee. On top of that, I unknownly went over my checking account balance by 2 dollars and now I'm 38.33 cents below. How can that be? Overdraft fees are ridiculous and now they're taking it out of my savings accoutn which only holds just enough money to pay the rent. There are no Chase banks around where I am because I move from New York nor are there any ATMs. I'm constantly being charged just to check my account balance and now I'm broke. I can't even afford my rent. I'm in college and I have enough problems with loans, it's hard to find a job and I can't ask my mother for this kind of money. It isn't fair. I can't wait to swithc my bank now to Bank Of America.

WARNING ABOUT CHASE BANK: I recently was a victim of a scam. Chase did nothing. I was stupid, but I trusted Chase. A check was deposited in my account from Chase to Chase. I was told they could verify that check instantly since it was in same bank family. I asked teller to make sure funds was in that account before removing. Teller gave me cash. I gave to x-friend, whose check it was. Check was for $10K. It was written from 5 month old CLOSED account. I find out teller "misunderstood" thinking I wanted to know if the funds were available in MY ACCOUNT. Regardless of if he verifies funds, I was told this check should have shown up in their FLAGGING system. Why didn't it?

Chase explained although it was a Chase check, it was deposited at a WAMU branch that had NOT YET BEEN CONVERTED to Chase and it "simply slipped through the cracks." I'm pursuing the x-friend. Meanwhile my account is now NEGATIVE $8K and is going to CheckSystems, Collections in 60 days. In the end, I'm told I took the money out so I'm responsible to put it back. I was hesitant about the whole transactions which is why I asked Chase to verify the funds. They could have at least warned me; they did so AFTER the fact, with branch manager saying "we see these kinds of scams all the time." To hear responses like that and "it simply slipped through the cracks" and "teller misunderstood you" or "he interpreted it this way" is UNACCEPTABLE especially when dealing with such large amounts of cash. Do NOT bank with Chase. They will Chase you down and wear you out!

There computers are money crazy. I check my balance about three times a day or more. I woke up one morning to an overdraft of 947.00 due to a large check that I had written a month before. I got up, went straight to the the bank and deposit 1000.00 dollars. I was shock the next morning when I was hit with a fee of 70.00 dollars. I was always told that you can catch any fee's, if you take care of it as soon as it post. They can bite my dust, I 'm out of here.

after how many months of no emails and paper letter, I receive a phone call stating I have not paid the rolling interest for months with late fees? I closed this account last Oct for sakes! Oh so we argue over the phone and I get the late fees taken off and I understand the interest so I paid the full amount of that interest off and guess what? They charged $1.98 on the same card this month! WTF

Ok. After all that conversation back n forth, we agreed this is the final payoff of rolling interest, and they have the nerve to charge $1.98. Some sort of sarcasm?

I plan on suing this company if this keeps continuing. So annoying!

Same thing happened to me! Chase is just a horrible company to deal with. I am cutting up all of my Chase cards and will never use them again. Now they are charging me a $39 late fee for an electronic payment that they chose to accept the day after the due date. This company truly deserves to go belly-up!

I guess Chase employees are making so much money that they have time to comment on their loan shark tactics. Credit card companies have very powerfull computers (yes they need the right software too) so they should be able to state what your balance is to "pay off in full". That is what most reasonable people think when they see a balance. I bet Chase does not credit any interst charged if a customer sends in their payment early. For you Chase apologist please note they paid off $8, 600 to state that they did not want to pay what they owe ($24) simply does not add up. The way to vote is with your feet, go and close your acconts, stop using your Chase credit cards and I bet Chase would stop using "shark" tactics (or they can go crying to the US governement for more money) It seems Chase cannot or does not want to pay what they OWE!

Gene,

Ok so someone at the company made a mistake in telling you that it was a payoff. Now that you understand why you are being billed the residual interest. Why are you blaming Chase for making a mistake. Do you think just because Chase made a mistake that you do not owe it? Come on...again I have to say be an informed consumer and take responsibility.

Brian and Kristina
I asked what the "payy off" was from Chase's customer service person. She should have said something. It's crap and should be illegal.

I AGREE WITH BRIAN, DONT SIGN AN AGREEMENT IF YOU DONT KNOW THE FACTS, GET EDUCATED, STOP BLAMING OTHERS. YOU GET FEES CAUSE U DONT PAY, YES YOU PAY A FEE FOR MAKING A OVER THE PHONE PAYMENT, PAY IT ONLINE ITS FREE. SIMPLE TO FIX, DONT GET A CARD IF YOU DONT KNOW WHAT UR SIGNING UP FOR!

Same thing happend to me. I paid my accout off in full and the next month I got a bill for $14.57 and to make it worse I did not get the bill in the mail until the day that it was due. After spending over an hour on the phone with the service dept and managers I was told there is nothing they can do about it. I ended up paying the 14.57 plus the extra fee for it to go through that day so I would not be charged a late fee pluse more interest fees.

This is completely correct and valid interest. You need to be a informed consumer about your card and read the thing you received called a "Card Member Agreement" that was sent with your card.

A credit card that is accruing interest will NEVER be able to give you an exact payoff amount, because the amount of the balance is going to accrue interest on the load daily up until the act is at zero. You made the final payment probably in the middle of the current cycle and carried the balance for a few days. You have to understand that credit cards are loans and do accrue interest on that loan at a daily rate.

My advice...the $28 dollars is interest on the loan from the date of the previous cycle date ending to the date the payment is posted to the act for the full balance. You still have the $28 owed for that time...pay it...it is valid...the agreement that I an referring to explains completely why is valid and owed. Accept it, pay it, move on...it is not worth what can happen to your credit score if you decided to just not pay it.

Be an informed consumer about how the account works...and quit blaming credit card companies like Chase for billing you for something that is owed...just because you don't understand or want to understand the explanation that is given for why the fee for $28 is billed

at least they let you speak to a manager...i called in today 8/19/09 about trying to get them to lower the interest on the card and they wouldn't let me speak to anyone higher up, i requested a corporate number, etc... etc...nothing...i even tried calling back and same story...apparently now all they give you is a fax number or an address so you can write in with your complaint...terrible customer service!

I am completely shocked by Chase policy of not listening to the Customer for not paying their bill on time. Here is sthe situation, I checked my bills out and I have paid above the minimum amount due for the last year. at the end of June of this year I was diagnosed with Non-Hodgkins lymphoma stage 4. I live alone and try to take care of my bills alone. I usually go thru the bills at the first of the month since that is the time I am paid thru a disability retirement. Well this month I was amitted to the Hospital for a few days with what they call neautrophenia Fever and other problems that occur with Non-Hodgkin lymphoma Cancer. I have had 6 chemotherapy treatments in the last 4 months which has made it hard for me to be able to think of where I am with my bills. My Chase credit card bill was due on the 11th of November for the amount of $10.00. In the past again i have paid them well over the amount is due each month. Unfortunately I was amitted with a infection that my body could not fight since my white blood cells were to low to be able to fight the infection. My Neautrofils count was almost down to zero and without the help of the Huntsman Cancer Hospital I would have died from the infections that I could not fight off without the anti-biotics. I was in bed for a couple of days when I got home from the hospital unable to work on my bills. I live alone, I have no friends to come and help me each month on taking care of my house or my household bills. All of my creditors have been willing to help me accept CHASE. They would not let me talk to their supervisor, nor give me a phone number to call someone. The cost of fighting this cancer has been astronomical but somehow I have been able to pay their bill on time plus $40 dollars more each month. My amount I owe them is around $400.00 and I am sure that the amount of the late fee is going to be $40.00 . A late fee of 10 percent for being 2 days late. I am just thankful that I was able to live thru this last battle with the side effects of cancer and yes it would have been nicer if CHASE Credit Card Service could have waived the late fee due to the circumstances. If Anyone knows any phone numbers to call to be able to get some action please let me know ... $40.00 to them my not mean much . But $40.00 to me is life or death when your fighting a terrible disease as Non-Hodgkin Lymphoma ...

made electronice payment 3 days early and they posted it 1 day late. changed my 3.9 % intrest to 13.9. im not taking it i have proof through electronic transfer. im going to arbitration on this one. dont use chase they will cheat you. on an old account i had i sent a check 9 days early for a saturday due date. it posted at 3:20 am sunday morning. who was there at 3 in morning processing checks?

Chase did something simular to me .. Ive been a customer of theres due to them acquiring my credit card accounts from other banks. One day I missed making a payment via online by the due date, but paid it after the due date. In fact Ive always paid more than what is due and usually well before its due date. I contacted there customer service and requested a waiver of the late charge $39.00 on my $10.00 monthly payment. They refused to waive it and went on to tell me the money is due Chase. They would not even consider a partial waiver. Ive never been late and it was an oversight, and then they told me to go on and sign up for automactic payment. I felt there customer service personnel were treating me like dead beat customer. There tone with me was rough and I felt very unfair. I since moved the balance to a 1.9% card and refused to charge on my Chase cards. My next step is to contact the companies tied to my chase cards, Sony, Amazon, and Circuit City and advise of there practices.

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You made a credit card charge and because they didn't get a bill you you naturally didn't pay it? I don't understand anytime I charge my credit card I always know that I made a charge regardless if it goes on the paper bill or not. good luck trying to get those fees reversed.

So I actually just went through the whole overdraft issue with Chase. They took longer than expected to post a deposit, and as a result my account when in the red. Instead of posting transactions in the order the occurred, they reordered 5 days worth of transactions to benefit them self.
Outraged that a bank was allowed to do this, I actually took them to Small Claims court and WON! I just received a phone call from a woman in their legal department informing me that the ONLY reason I won was because they didn't show up and thus defaulted. They had every opportunity to arrive (it was scheduled 6 weeks in advance) and didn't. They also can not assume that they would automatically win the case.
Chase is an example of a bank that says they focus on customer service while in the background, tries to come up with ways to extract more fees from their customers. I plan to close my account as soon as possible.

i have been fighting with this company for years about my old car loan. this company needs some serious customer service training. The representatives and managers are dispicable, and should not be dealing with the public. I have spoken to several manages regarding my problem and they just tell me to sue them. the problem is that. Chase reported to credit bureaus that my car loan was a charge-off / paid in full. my problem is, is that chase does not know the correct definition of charge-off. which means: profit loss, accounts will likely remain uncollectable, written off. I was 60 days late on my car loan in March, I forget what year. I recieved calls and I told them I was sending the payment to them. I ended up Paying off the car in full In July that same year which ended up being 2 months early. the final payment was do in september and I paid it in july. they reported to the the credit bureaus that it was a charge-off. Not that i was 60 days late then paid in full, but a charge off. I've done some research on this and found that :COMPANIES DO THIS SO IT SHOWS UP AS AN EXPENSE ON THEIR INCOME STATEMENT, THUR REDUCING THEIR NET INCOME. SO FOR THEM TO SAVE ALITTLE MONEY MY CREDIT GETS NAILED WITH THE CHARGE-OFF. THIS COMPANY NEEDS TO BE INVESTIGATED BY THE FEDS. AND TREASURARY DEPT. BECAUSE US SO CALLED LITTLE PEOPLE NEED TO FIGHT BACK. WE NEED TO COME TOGETHER AGAINST THIS DISPICABLE COMPANY AND PUT THEM OUT OF BUSINESS. LOOK AT ALL THE COMPAINTS AND HAS CHASE RESOLVED ANY? dO THEY EVEN CARE.NO! OTHER WISE WHY DON'T THEY HAVE A CORPORATE NUMBER FOR CUSTOMERS TO CALL WITH OUR ISSUES.I'LL FIGHT THIS TILL END. IF TIME HAS EXPIRED ON MY ISSUE AND GOT REMOVED FROM MY CREDIT REPORT AFTER 7 years. IAM STILL GOING TO FIGHT BECAUSE OF THE PRINCIPAL . THEY HAVE NO RIGBHT TO DO THIS TO PEOPLE.

I was late on my car payment 30 days and judy called me at work i told she would the payment my next she told that she is comming for the car she asked me why have i been late i told her since i bought the car it has been in the shop once a month she said that is not her problem and then told me she would call my boss and tell him what a loser i am and then hung up the phone on me i tryed calling her back but she would not return my phone calls. and now the repo. company is calling my work they are very nice people there they just told me call chase to make a payment but they will not return my calls.thank you

We walked foolishly into this transaction with Chase out of desperation of needing a car. We were not coaxed nor talked into it. We were persuaded by the cost of replacing the transmission in the vehicle we had. We should never have made this decision as quickly as we did. Our fault, end of that chapter.
I will also not blame Chase for the financial bind we put ourselves into, however I do feel they take advantage of people with the type of loans they make and the interest they charge. But again, if we had not been so desperate, thinking this was our only option, we wouldn’t have signed the papers and I would not be writing this letter. Our fault again for not paying enough attention.
Where I do find fault with Chase is in the way they do business. But, I guess this is the way corporations do business these days. As long as companies like Chase can distance themselves from the individual customer, they can be uncaring and cold in their practices. I am not asking for special treatment, don’t get me wrong. I have a responsibility and I want to own up to it, but look at me as an individual. Look at my past performance, understand that I may have a problem and run into a hiccup in my finances. Oh, when the customer service rep is on the phone with you, you are made to feel like you are so very important and they have strong desire to help you. What one does not realize in that moment, that the main goal is to sugar coat the fact that while they are “helping” you, they are only thinking to get through this phone call and on to the next dead beat that does not pay their bills on time. In “helping” they suggest various sorts of ways, down to borrowing money from your neighbor. The ultimate “let us help you” I got last year was to defer two months payments. “This way we avoid annoying phone calls and you can get caught up and start fresh in two months.” Great, thank you --- for nothing.
January roles around and the process of trying to purchase a home begins. Yet another assembly of flaming hoops to jump through, but that is another story. Chase has reported not the two actual (which I am not proud of) months past 30 days, but rather four consecutive months. I was told that Chase only shows two when I called three times in one week. When I called the fourth time, the following week, I finally reached someone who walked through the payment history with me. – after being told by the three previous employees they can’t see the history, only that two payments had been late. Hmmm…..lazy or just untrained? As we walked through the history, yes, two payments, May and July were late. And yes, there is reason, which I explained each and every time to every person I talked to at Chase in those months which I was desperately trying to keep our finances afloat, not that they bother to make note of that, it’s better to have the customer repeat over and over the struggle. I digress. Ms. Corrales explains to me that she will personally take care of this error in reporting to the credit bureaus (which I might add were not all reporting the same information) and request that it is corrected and that I would also receive a letter that I could give to the lender for the mortgage.
I waited patiently for two weeks to get said letter. When I got it, it was a form letter that indicated after researching the account, what was reported was indeed accurate and therefore no changes would be made in to the credit bureaus. Nicely played Chase, nicely played.
Upon speaking with an overly cheery Rosie Something-or-Other, who made me feel like the Steve Martin character from Planes, Trains and Automobiles, you know the scene, and being on hold for over 5 minutes, came back to unnecessarily go over the history with me three more times, then tells me she needs to research this info and I could either hold a few more minutes or she could call me back. I told her I would call Ms. Corrales, which I did. Who also put me on hold for about 9 minutes only to return and offer the same deal Rosie had. At that point, I informed her that no, I needed to pick up a kid from school then my husband from work, why? because two weeks ago, we were in a four car collision resulting in his car being totaled and we are now down to one car – and yes, I interjected with how badly I wished it had been the Malibu – call me back. Which she did, leaving a message with the term “rolling delinquencies”, meaning we are basically screwed because Chase has determined that while May was late, it is not reported as such, June was late but not past 30 days, but because May was past 30 days, June had (yes, ‘had’) to be reported as delinquent. Because July and August were paid in a double payment, August not being 30 days late, they both ‘had’ to be reported as delinquent. September, which was deferred (and they try to tell me every time that only October was deferred until I insist they check the record and only then do they see that it was September and October both) for some asinine reason, is also reported delinquent. No payment was due, but it is “accurately” reported delinquent. Ms. Corrales did seem genuinely sorry that she had misinformed me about correcting the error two weeks ago, but there was nothing she could do for me further. She told me it does not make sense to her either and that it took quite a bit of explaining for her to understand what “rolling delinquencies” meant, which she was unable to restate other than to repeat how it was reported, not why it was reported this way. Somehow, that all seems “fair and accurate” to Chase and I’m guessing to the credit bureaus as well.
So, thank you Chase for your cold and uncaring attitude toward your customers. I know I am not alone, as I publicly announce my intense loathing of your company; I am comforted in a rather twisted way to know others are treated as poorly as I have been. I am one person, but I will use my voice. Anywhere and everywhere I can get the word out as to your horrible business nature I will.

By far the worst customer service in the history of customer services. Good luck trying to get anyone who can speak clear English. For an issue that could have and should have taken all but 20 minutes, took over 2 weeks. Good luck getting a supervisor to call you back, good luck getting directed to the same person you spoke with before who actually knows your claim. Extremely rude. They not only lied to me but actually gave false names of supervisors when their own local Chase representitive called on our behalf. The CSR would give a name, the local Chase Rep would look them up in the system and believe it or not, they didn't exist. It was a fake name. I spoke to 7 different CSR's over the two week span. The issue was never resolved with the customer service hotline. If it wasn't for the local Chase Rep and the 3rd party involved who quite frankly didn't care what Chase said or did, they would help rectify the situation without involving Chase or even following Chase's on policies/contract with them. The 3rd party also complained about the impoliteness of the CSR's at Chase. Adivce... Stay away from Chase by all means.

Some one who says they are from Chase auto has been calling family members saying they were references on my loan. Yes I am have problems with Chase as they say I did not make this months payment but the bank says they took the funds so they are investigating what is going on but why contact my family at all?

Terrible company. Very rude customer service... Was late on car payment due to hardship situation... They called every day about 7 times a day...

i have a box wired under my dash . and the red lights blinking . my truck started and ran fine friday, sunday i try to start it and it just cranks like no fuel, , can chase do this?

chase hasent taken the payment out of my account and have been rude and nasty with phone calls, i have a box wired to the truck which i think they had my truck pinged . all it did this morning was crank, wont start, is this possable or do i have a fuel pump problem?

Sorry to hear about this...Chase is the worst offender of all the banks.

You probably had a subprime loan because of your bad credit...Chase takes these types of loans very seriously. I bet you didn't thank Chase when they bought your horrible credit loan. If you were having financial hardship, your first move should have been to contact Chase yourself and work out payment arrangements. Once the collections dept is involved, they are going to do whatever they need to do to collect that payment or repo the car. It's your obligation to pay it. That's why you signed a contract, DUH! Cars aren't free, they are suppose to be paid for! If you can't afford it, voluntarily have it reposessed...end of story.

They did the exact same thing to my wife and I. They have raised our payment $500.00 a month because of this (past 6 months) and I can't get anyone on the phone that can help me. I have requested an "Escrow Analysis" to try to get these charges reversed, but they keep sending me to other departments, then putting me on hold, then hanging up on me! Their customer service is horrible and I am getting a lawyer to try to help us out, even though it will cost me more money. Who can we report this to that could make a difference? It is shameful and should be illegal.

They did exactly the same thing to me. After my first year of house payments they paid my Insurance then started dunning my escrow account for it. They charged me for period of time when they said they had no proof of coverage. Basically, I have had to fight them every month since. Today, I got a "soft collections" call at work, because they say I am past due because I didn't pay the escrow amount in my payment that they said I owed. Surely there must be something that can be done. Obviously this is something they do to people on a regular basis. Maybe a Big Old Class Action Law Suit is in the works. Oh yeah, to thank me for being loyal customer they raised my interest rate on my credit card by 6%. I could either take it or leave it. If I chose to refuse, they would close my account, which looks bad on your credit report. FURIOUS!

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

When they even bother sending my statement (which is not frequently, as I've gotten about five total in the last nine months), it usually arrives far too late to mail the payment in with the statement. I've had to just priority mail them a check every month. Add that to the fact that they don't offer any kind of online payment or bank draft, and it's pretty clear that they're just waiting for you to forget one month so they can slap you with a near-criminal 30% interest rate. I signed up with this company because it was the one my orthodontist offered, but honestly, you're better off getting a credit card from a reputable company with some kind of no-interest promotion.

I just paid over $850 in extra fees and interest on a loan from ChaseHealthAdvance. Beware of questionable business practices including delays in processing of your payments, extra fees, changes in your loan due date, huge interest charges if ChaseHealth considers a payment late, non-response to complaints & disputes, poor customer service, and the list goes on. It was like pulling teeth to get a copy of the loan terms and by then it was too late. Be sure to do your research and check for complaints, and the BBB rating before signing up for a loan from ChaseHealth, Unicorn, ChasehealthAdvance or any other name they may use.

I have had the same problems with this company. I made extra payment in a month to cover the next month and they wouldn't except it. I was told I was a month behind and that extra money was just deducted from my balance. I was charged $35.00 for .82cents. I asked to change my payment date and I was told that it would cost me $15.00. I called to speak with a supervisor and was not given the right. Instead I was told that I had contacted them on July 10th about some charges . They called me, and I wasn't given the right to speak to a supervisor. even after I told them I would put it in writing to the Better Business Bureau, nothing was done. This company is a rip-off and physicians that use them should stop, its says a lot about their business.

Agree, chasehealthadvance is taking advantage of every customer and keep charging extra fees. I fell behind on my payments and they put me into a program that it will extend my payoff balance to 24 payments but they have charged me about $175.00 in three months for late fees even though I have never sent a payment late since I got into this program. they are charing $35.00 for phone conversations and $39 for late fees. They are really taking advantage of my situation.

I definitely agree with you Robert since I've gone through a similar situation my self. I was overcharged extra interest even when they have received my full payment for the balance on my loan. It is very unethical business practice and dentists and patients should definitely do their research well before they get themselves into thier trap.

I just got a phone call from Chase and they are terribly unprofessional. Pretty much same issues as above. So how do you do it? how do I tell them that they are not going to get $800 + out of me for finance charges?
I need help, Please!

hi, I had a similar problem with ChaseHealthAdvance. One of the worst comapny to deal with. I signed up with this company because my laser doctor only offiered them and i never dealt with them before, but the customer service at chase is really bad and will never asnwer any questions. First i didn't recieve my statments because according to them they were sending at wrong address and i called in to get them emailed so i won't be late on my payments. So they added $39 dollar late charge and when i called to explain the situtuation they were very rude and unwilling to help. I would never do bussiness with Chase and their late payments department is one of the worst. I really wish this company gets out of bussiness .

I totally agree with you in this matter. If there is something that I can do to make this go away, I would. I just went through the exact same thing, the company sends me a bill and I have not even got the paperwork on the loan. I just received my first bill and it says that I am behind in my payments of two months and I just received my first bill on yesterday, how crazy is that...