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Chase Credit Card Complaints - Wrong information given by their helpdesk, delays by the bank

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Chase Credit Card

Posted: 2009-07-02 by   Pinquet
Wrong information given by their helpdesk, delays by the bank
Complaint Rating:  0 % with 0 votes
Company information:
JP Morgan Chase
Tampa, Florida
United States

I had a convenience check 0% until June 2009 statement opening date. Paid it off and it was posted on 5/29/09. Bills have statement dates that run from 12 of one month to 11 of next month. Called customer service desk and asked when I had to pay the balance by as their statements have Statement date mid month to mid month and wanted to be sure I paid off balance. Was told by their customer service desk (Stephanie) that I needed to pay it off prior to 6/1/09. Statement recieved on 6/18/09 covers 5/12/09 to 6/11/09. Called immediately June 18, 2009 as even though I paid the balance and it was posted on 5/29/09, they were billing interest. I dispute d charge and asked them to review their call center records (they are suppose to be recorded) and credit back that interest as I was given the wrong information. Really was getting no where so asked to speak to the supervisors supervisor and was told that it was Nancy and she was not there at the present time. I left a voicemail on Nancy's line and asked that she call me back that day as I was heading out for London and wanted to resolve this. Of course, no call back - in fact no call back while I was gone according to my husband and the answering machine. Wrote a letter 6/18/09 stating the facts and returned from London and there is no response and no call backs. Decided to pick up phone and call them to see what was going on. They told me they would not credit the interest and in fact they were billing more interest even though I took the time to write them and officially dispute the bill. In any case, I want to write to a higher up in the organization and also to the regulatory agencies. Can someone give me the names of the regulatory agencies I need to officially lodge my complaint?
Comments United States Credit Cards
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 130 days ago by   Carolleej2 0 Votes
They are the most crooked, underminded, uncaring, spiteful credit card I have ever had the misfortune to deal with.
 130 days ago by   Carolleej2 0 Votes
I had the same offer. Transfer balances at 0% interest for one year then 9.99% if I did not have ONE LATE PAYMENT. I did not have one late payment, however, they did HOUND me to buy into their insurance company which would freeze my interest rates and my payments for up to two years as long as a doctor supported my disability. Well, unfortunately, I did suddenly become disabled and was thankful that I did that. I did not pay them for one year but submitted all my paperwork from my doctor on time and never went over my balance limit (which was one stipulation). They said I could even continue using the card and would only have to pay what I used since the disability. I did not use the card. Then, suddenly, after only one year and at the worst possible time of my disability I was informed that my credit card would not be renewed because I had too many credit cards. My credit score, in spite of my disability was 736 with Experian. I had NEVER violated any terms of agreement to negate our contract. When I received that notice I was not concerned. I knew I had another year to get on my feet before I would have to pay them back. It is even stated in the agreement that if I cancel my credit card, my contract for disability would continue for the two years. Next thing I know, I have a statement from my credit monitoring company that Chase had put a black mark on my credit report for being over my balance. Then just days after that I got a bill from them and they wanted 300.00 immediately because I had gone over my balance. I explained that there must be an error. They said "no error". Your contract is ended. I asked them how they could take my money for a contract and then break it for no justifiable reason. They said they can do anything they want. I have just had my second surgery for cancer when all this happened and my health insurance had gone up. My house payments are also being made by insurance that I purchased, but I figured by next year I could be on my feet, or pay off all other debt and then pay them off when the time became mandated. Now, I am faced with at the very least, bankruptcy, and probably loosing my house. When I explained this to them, they told me to go to someone "higher than them" that might care. I think this lesson has taught me that credit cards are wolves in sheeps clothing and once I am either bankrupt or free of debt (I never had any debt prior to my illness), they will NEVER SEE MY NAME IN ANY OF THEIR BUSINESSES, EVER! I wish more Americans would do that. Let's live with what we can afford and let them all go belly up. They deserve it.
 130 days ago by   Carolleej2 0 Votes
By the way, the "over my limit" was the almost 100.00 dollar late fee they attached prior to my even receiving a bill!!!

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