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Chase Bank / credit card gouging

1 CA, United States Review updated:

Like others I have experienced outrageous gouging by Chase Bank. My credit card interest rate used to be 11 percent. By mistake, I went over my credit limit one month. I corrected the situation the next month, but Chase raised my interest rate to an outrageous 29.9 percent. I sent them a letter asking for a more reasonable rate. I got back a form letter, telling me "tough." I am closing my account, and I will never do business with Chase ever again. Beware of this bank.

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Comments

St
  30th of Jun, 2009
+2 Votes

I AGREE totally with you. It is terrible the way they gouge people. I liked to have never gotten rid of them when I used to have an account. Just like you said one little mistake I made they really socked it to me triple times!!! =/

I no longer have any credit cards now. *sigh of relief*

St
  30th of Jun, 2009
+1 Votes

oops I dont know why that finger is pointing down up there but like I said I agree totally with you my friend!

Pa
  30th of Jun, 2009
0 Votes

Absolutely impossible to deal with! I too went from 6.99% to 29% without one missed payment. I was told this was because it was the end of a promotion and they had notified me by mail (I do my banking online) that I could keep the rate if I responded by the end of March. When I saw my new rate online, I called and was told, "Sorry, but there is nothing I can do!" I am currently switching my accounts to Heritage.

Eileen

Al
  30th of Jun, 2009
0 Votes

Hi, there is a growing movement to fight back against Chase Bank. I have set a July 15th deadline for Chase Bank to reverse their 2% to 5% raise in the monthly minimum payment. After that date, one Chase Bank executive board member will need to resign.

It is time to start making counter demands.

http://www.bloggersagainstchasebank.com
http://www.daily-protest.com
http://www.changeinterms.com
http://www.consumeraffairs.com/credit_cards/chase_credit_cards.html

You are not alone, but don't disappear on us either. You will need to be persistent and involved to be victorious against Chase Bank.

Ro
  18th of Jul, 2009
0 Votes

Been gouged with the excessive 39.00 late fee by Chase? Then write, via snail mail: Kelly Hanick
Chase Card Services
PO Box 182 918 OH
OH 1-0554
Westerville, OH 43081

Mr. Hanick is the director Chase's customer service department. I've tried unsucessfully to have that outrageous fee removed for 2 months. I recently sent Hanick a letter, but have not received a response. Let's inundate him with letters of complaint.

Ta
  21st of Jul, 2009
0 Votes

I am in the same boat. 29.99% Chase Customer Service rep told me that I could not discuss the rate, and that she could not refer me to her supervisor. This is because of a policy set by Mr. Hanick. She told me that my remedy was to write to Mr. Hanick and that he probably would not respond.

What ###.

So what do we do?

St
  22nd of Jul, 2009
0 Votes

Kelly Hanick is Chase's customer service director (which is an oxymoron)

Write him at his home address Kelly Hanick
37 Wilkinson Dr
Landenberg, PA 19350

Or give the ol' boy a jingle 610-274-8025

Fo
  24th of Jul, 2009
0 Votes

I just got off the phone after a 15 minute run around in which I had to talk to 3 different people and still got no satisfaction other than getting to yell at some useless people who laughably refer to themselves as Customer Service reps.

I started the conversation asking for a supervisor in order to request the $39 fee and jump from 3.9% to 29.9% be removed from my account for having inadvertently made my payment ONE DAY LATE for the first time in the decade that I have had this account.

The first rep put me on hold and, after a few minutes, transferred me into voice mail so that I had to hang up and start over.

The second continually told me, "Gee, sorry - nothing we can do." and refused to let me speak to a supervisor, saying that there was none on duty.

After I screamed at her to put anyone on the phone other than herself, I was put on hold for another 5 minutes until someone named Carlos came on the line, assuring me he had authority to make a decision on my account.

But without even listening to my explantion, he said - "Your payment was late - nothing we can do."

When I told him I would most assuredly be closing my account he gave a half hearted "Sorry." response and then happily gave me Mr. Hanicks address to which to send my complaint.

How very sad that they have so little regard for their customers. I am lucky that at least I have the money to pay off adn then cancel this account and avoid what is now an $85 monthly fee for a balance of less that $3500. I feel very sorry for anyone else who gets stuck in this situation and can't pay off the account to avoid their outrageous fees.

Karma will get them for treating their customers so badly. Eventually they will have none left.

No
  27th of Jul, 2009
0 Votes

Chase bank is going down. Last month I did NOT receive my monthly statement due to lost in the mail or whatever, and by the time I reallized it and made my payment it was ONE day late. After speaking to a customer service rep in India somewhere about the $39.00 late fee, I was also givin the name and address of Kelly Hanick. Letter going out in the mail today. We'll see. I have two accounts with Chase that will be transfered to a bank that appreciates my business. You would think that in this economy, Chase would be happy just to receive payments from customers period.

Ro
  27th of Jul, 2009
0 Votes

Not fair, did you mail your letter of complaint to PO box in Ohio? I did, and that address is a decoy. I never heard a response. We need to band together and make an issue of Chase's policies. They are the modern day robber barons.

Al
  27th of Jul, 2009
0 Votes

I closed my Chase travel credit card because i don't use it and they started to charge me 29$ annul fee. I spoke with a representative to close the account, I aslo told him that since i have not used this card for a very long time (they just started charging the annul fee-strange) so i can get refund for the annul fee as I am closing it, so he agreed. But this month i received a balance of $44 in my account (29 annual fee+15 late fee) I called them complaining that this account has been closed, they said they know and i still need to pay everything, after fighting with them, they gave my Mr. Hanick's adders to send a compliant letter. Not sure if it's gonna be helpful. Anyone has and suggestions?
Thanks

Ch
  27th of Jul, 2009
0 Votes

Hey everyone! Call this deadbeat Kelly Hanick at his new home number: 6109252690... his home address is 204 Sandy Flash Drive, Kennet Square, PA 19348

Chase SUCKS!!!

Take your business somewhere else... or better yet... don't pay your balances... save your money... pay cash only! Use the Dave Ramsey plan (check out Daveramsey.com)

Ca
  27th of Jul, 2009
0 Votes

Chase credit has the worst customer services. First they over charged the balance transfer fee ($522), promotional letter said $75. Second, after I paid of the balance. They send me a financial charge ($119). I was told to write to Kelly Hanick. I will also write to Gordon Smith Chase CEO. Wait and see what will happen?????

Am
  28th of Jul, 2009
0 Votes

Hi Everyone,

I just had a similar situation with Chase just yesterday. having been a customer for over 15 years and having a revolving balance I made a payment online from an account that I have recently closed and of course I was hit with the 39 late fee and called Chase to get some appreciation. Just got the same script "nothing we can do" please write to Mr. Hanick. Probably I'll write just to have the letter for my records. I know will not do any good and the only option is to pay the entire balance asap, close the accounts and move to a bank that appreciates its customers as this one does not do that.

By the way the representative said I was going to get an answer in 7 days. Well! I'll be surprise if I get one. Let's unite, take our business somewhere else and hope Chase files chapter 7 and becomes history!

Rd
  28th of Jul, 2009
0 Votes

O man same problem, but mine was because of an autopayment from an old checking account that I closed. This is awful customer service.

I just sent my letter to Kelly.

Ro
  30th of Jul, 2009
0 Votes

Anyone else call Hanick's number? I did. Got a machine. I'll try again later.

Tw
  30th of Jul, 2009
0 Votes

same story here. my bank account shows that my payment came out of my account on the 24th, but chase didn't post it until the 27th. it was due on sunday the 26th. one day late.

i used their online contact form to try to challenge it, but got a "no" in reply. then i called and the guy gave me hanick's info.

it all seems pretty unreasonable to me - not to mention greedy. i mean, it would be different if i was habitually late with my payment.

i'm gonna cancel my account if they're unwilling to work with me.

i searched for hanick online and found this other address: http://www.spoke.com/info/p4YEJsp/KellyHanick

Jb
  31st of Jul, 2009
0 Votes

I sent my letter last week to Mr. Hanick. After reading all of these posting I feel like I will not be hearing from him and if I do it won't be helpful.

I can't wait to pay off my card and quit Chase.

I had fraud on my checking acct and changed it at the bank with the representative and she said everything would be switched over online, including my credit cards, so when I went to pay my bill I did not realize that my old acct number was still there and not the new one. I paid early only to get hit with two $39 fees. I suppose it was my fault for not noticing the last 4 digits of the acct but i just changed it and I trusted what the bank said, it would all be updated.

UPDATED MY ###!!!

If I don't hear back or I do and it is 'tough' there will be full on protesting CHASE BANK!!!

write to him: snail mail:
Kelly Hanick
Chase Card Services
PO Box 182 918 OH
OH 1-0554
Westerville, OH 43081

Ha
  31st of Jul, 2009
0 Votes

610-274-8025 - This a fax machine. He probably changed his number, if that was really it.

Ha
  31st of Jul, 2009
0 Votes

Did anyone send letters as CERTIFIED mail to Mr. Hanick? Otherwise, they can just simply play the game of "we never received anything."

Also, I was given a different address from the customer service rep.

Chase Card Services
Attn: Kelly Hanick
PO Box 182918
OH1-0554
Columbus, OH 43218-2918

I'm planning on sending a certified letter tomorrow.

If you'd like to read my experience, here it is. They tried to pull funds from the wrong account twice in a row and charged $39 both times.


July 31, 2009

Jon Metcalf
xxx

July 31, 2009
Kelly Hanick
PO Box 182918
OH1-0554
Columbus, OH 43218-2918

Re: Visa Account xxx, Jon Metcalf

Dear Mr. Hanick:

I was given your information by one of your company’s customer service reps and I am writing to you to request a refund of two separate fees of $39 charged to my account in July. The details are as follows.

I make my payments online. Primarily, I use one account to make payments, and that is my Zions Bank account. The other account, Mountain America, I rarely use to make payment (I can think of only one time I’ve ever used it). Of these two accounts, the Zions account is the default account listed when I go to schedule a payment online. I point this out as it will be important information as I explain what happened.

As I do normally, I scheduled my July payment online. In the dropdown, I did not make any changes to the default account that funds come out of. So, Zions was the selected account. After making payment, I went on my way and didn’t give it another thought. A couple of weeks later, I noticed that my Mountain American account was showing a $20 charge for an ACH/Chase transaction for insufficient funds. I finally figured out that Chase had tried to withdraw from this account, and not the Zions account as I had specified. I obviously would not have tried to use the Mountain America account to pay $250 since this account had a zero balance.

Again, I scheduled my payment online as I describe above and AGAIN the same thing happened. Would I really have done the same thing to myself twice in a row? Immediately, I scheduled a payment for the 3rd time, again doing the same thing I had done the previous two attempts. This time, everything worked the way it should have, and my Zions account was debited properly.

Clearly, I cannot be held responsible for these fees since Chase’s online system attempted to withdraw funds from an account that I did not authorize for those payments. I respectfully request that the $78 in fees and any associated finance charges be refunded to my account as soon as possible. Because there is no one in the call center who seems to have authorization to reverse these fees, I am appealing to you to facilitate the refund. If needed, please call me directly at 801-556-4907 and I’d be happy to share any additional details you may require.

I appreciate your time.

Sincerely,


Jon Metcalf

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