JPMorgan Chase

The credit card company changed a promotional 3.99%APR that was supposed to be for the life of the balance to 14.24% because my payment arrived 2 days late. This resulted in an increase of interest of $100 per month. When I called to complain they would only lower it to 12.24%. Bad business...I am moving my account.

Below is a cc of the letter I sent to chase this afternoon:
I am absolutely disheartened by the behavior of the credit services department for chases credit card department. My account had gone into a credit services program and I had the opportunity to pay the full balance off. Cesi contact chase on 04/03 to get a pay off. They were given an amount valid until 04/28. On 04/23 the payment posted on my account at this time I had a credit balance. Cesi also mailed in the drop letter for my account with the payment to signify that my enrollment in their program was completed. Chase decided to process my drop letter before processing the payment to my account therefore I was charged the 27percent rate for the balance at that time and had a balance showing due of $69. I saw this and immediately called into chase to verify that this was or was not something I was to pay. I was told by a representative of chase that the balance was not a final balance and that it would take a statement cycle for everything on this account to be cleared up and that I need not worry about this balance at this time. So on my advice from a chase representative I did not make the payment; I waited. Then I notice this month that instead of the balance going away or down it has increased due to a late fee. I called to find out what this was all about and see what was going on. I spoke with an incredibly unhelpful and rude associate and was then transferred to emily richie out of the oklahoma office to see if perhaps she could help me. She listened to my story as I have explained it above and put me on hold to research. She came back and explained the $69 and the late fee and that we are looking at a timing issue here. She then refused to transfer me to her supervisor chris bailey. I am furious and deeply sadden. I have been a chase customer and a returning chase customer for 10 years now. I have stayed with chase based on their customer service. Apparently since I fell on hard times and had problems paying my bill I no longer matter as a customer, especially to the credit services department. I was spoken to today like I hadn't paid my bill in years. I worked hard to make sure that I made everything right with chase and all of my creditors and have done so. It seems, however, that chase doesn’t t feel it necessary to make things right with their customers.
I would like to have these amounts removed from my account and my balance zero d. I think that these charges are unethical and the method in which they were applied completely goes against everything that chase has always stood for in a banking partner. Please have someone contact me.

I am still waiting on a response

My Chase credit card was shut down, unexpectedly and for unwarranted reasons, for the third time. This practice is unacceptable.
Among other hardships (the need to reschedule all recurring payments, payments of late fees, finding and using alternate funding while abroad, loss of rewards) it created the following nightmarish scenarios: (1) being stranded with inability to buy gasoline in the middle of a long car trip, (2) revocation of domestic car insurance while abroad, (3) inability to handle emergency medical payments while abroad, (4) inability to make purchases and pay bills while abroad. Similar experiences are reported by other Chase credit card customers on these web pages.
The unwarranted reasons stated for shutting down the card turned out to be: (1) a legitimate online purchase done by my wife, (2) an unauthorized charge from German company via PayPal, and (3) an unauthorized charge of 1 cent by a company in England. The first two did not invoke change of the credit card number, the third one did. The Chase action regarding the third incident is especially unwarranted, since all indications are that the charge was made by “robocalling.” There was no record of the expiration date or the card security code for this transaction.
I request Chase decision makers to implement effective security procedures that work! This is imminently possible. For starters, I am requesting a back-up credit card that will get automatically activated when the primary card will be – for whatever reason – shut down. I also request that the security procedures will be revised and implemented in such a way that unwarranted shutdowns and changes of card numbers will not occur.
Please help me. Write to Mr. Gordon A. Smith, Chief Executive Officer, Chase Credit Card Services, P.O.Box 15295, Wilmington, DE [protected]. Let him know, in no uncertain terms, that there is no substitute for true quality. The practice of shutting down credit cards and changing their numbers for unwarranted reasons leads to immense hardships, losses, and liabilities to us, the customers. As such, it is unacceptable. Additionally, there are better ways to implement security. The Chase Credit Card Services should be using them.

My wife and I had a wamu platinum visa, have been holders of this credit card for the past 7 years, have excellent credit, pay our bills ontime and pay more than the minimum balance. During this recent financial crises, chase bought out wamu and our credit card account with it. They have since increased our apr from 7% to 29.99%. We are dumbfounded and angry.
We carry a 9, 000.00 dollar balance on that card, having transferred balances from other cards because the apr was favorable. Now, we're struggling to pay off the balance and are getting hit with 200.00 dollar finance charges each month.
We have contacted chase 8 times over the past month, with no response except to pay off the balance.

Who do we have to contact to get something done? We know allot of other people are in the same situation.

while doing my online banking on the 18th of may, i noticed to ATM withdrawals on my account from the 16th for 100.00 and 20.00 plus ATM fees totaling 10.00. the withdrawals were at the local market here. we never use non bank ATM's. plus i was out of town and have proof. i called the bank, explained the situation, was told by the clerk that they'd send me a blue envelope and form, to fill it out with my story and send it in via fax at the bank. Plus they said they'd credit my account for 130.00 . 4 days came and went, and nothing in the mail OR my account. so i called the bank. i was told less than 48 hours after the call they denied my claim. They never sent me the paperwork, never asked my side of it, never asked for my proof, NOTHING. today i've spoken to 4 supervisors and they are reopening the case, but i have to wait 5 working days for the credit, and if they deny the claim AGAIN then i'm out 130.00. i make 970.00 a month, so 130.00 is a big deal! plus, if they go over my account, they'll see i NEVER use any ATM except the one at the bank because of the fees. we're switching to Wells Fargo. either that or we're putting our money under the mattress.

I visited the branch this week and had to make a withdraw because the ATM was not working again (another story), as I approached the counter and asked to make a withdraw from my account, I was handed a withdraw slip asked to fill out the details and return it to the cashier.
Nothing strange in that how ever the slip I was handed was in Spanish, I DO NOT SPEAK OR READ SPANISH, when I commented this fact to the cashier, her comment was” it doesn’t matter fill it out any way”. When I asked for help the cashier made me feel so small and pathetic, and as I left the bank I felt so dejected.

I have just gone through US citizenship and one of the main requirements it to be able to read and write in ENGLISH, not Spanish or any other languages. So why is Chase Bank requiring all its customers to be fluent in Spanish?

I have banked all round the world using many different languages and have never been belittled by any of them, until now.

I have had a credit card with chase since 1984, and am in good standing. Due to medical expenses I have had to carry a balance lately, and pay around two times the minimum balance monthly. I have a very good credit rating. I just received a form letter type statement from Chase telling me that they are going to over double my interest rate in July. I am enraged, and have have decided to cash in a CD, and actually transfer what is left on the balnce to a credit card that actually has a higher rate than my chase card at this time. I am mad, and I am not going to give chase another cent of my money. I have another credit card with Chase that carries no balance and I am also closing that account. I know that it will tweek my credit rating, but tough. This is a principle thing for me, but just think if everyone who was being ripped off by chase would figure out a way to close all their accounts with Chase. We need to figure out ways of not being victims of companies that believe they have us over a barrel. Sometimes it is worth spending a little to stand up for what is right. I am disabled and living on a fixed income right now, but I refuse to be a victim of Chase Manhattan.

I have a mortgage loan from Chase Home Finance for about 1 year. I am in the process of refinancing through Bank of America. Now Chase decides to charge me the consumer for the pay off quote the new bank wants from them. Apparently the policy of Chase is to charge the customer $30 each time a 3rd party requests a Pay Off Quote. The catch is that when the
3rd party calls for a pay off quote, the only option is to enter a FAX number .
The bean counters in the new bank want to be absolutely certain of the pay off quote, so they
request this three times. And I am stuck with the bill for $90 . This is certainly a reward for not missing a single payment and always being on time.
Life is truly rewarding for being right! Meanwhile, I nominate the MBA wizard at Chase Home Finance for whipping up this FAX fee idea along with the Phone Tree for the pay off quote ( they should call it the money tree) where the option for the 3rd party is a FAX.

We consumers are really getting ripped off by the Bankers. First our Tax Dollars are used to bail them out and we still end up with those tacked up charges. Meanwhile the Corrupt Executives are laughing all the way to an offshore bank account!

We paid a 350.00 non refundable fee to start our loan process. We have excellent credit and over 50 % equity in our home. We have had our loan with WaMu for 7 years. We started the process in January 2009 with the loan closing date was not till April 23. We were told every thing was "good" for our refinance to a 20 year 4.75%loan. We provided all documents requested, We did not hear from our loan officer until April 16th, Again everything was "good".
On April 22nd we received a call saying he needed a road maintenance agreement, which I scrambled to get. Then He said he needed something called "By law"s attached to it, I never got an exact description of what it was. He said he would file for an exception and an extension . He did this the day AFTER the closing date and sent an email that said the loan was denied because the loan was too old.I copied every email correspondence and typed a letter with documents showing how our loan was handled [ or not handled] The next letter I get is one saying the loan was denied for "insufficient value or collateral-unable to verify identity." This is not what we were told from our local bank. We really feel that this was due to the incredible amount of loans they are trying to process and ours was not a priority since they had nothing to gain by reducing our rate and they had offered a low fee loan which is another story in and of itself. So they got our $350.00 and continue to hold our 6.125 % loan. We were taken and I want to tell as many people as possible after all they took my tax dollars too!

I had a 4 year loan with Chase Auto Finance for my Saturn. I paid the loan off 5 months early. Chase sent me a letter confirming that the loan was paid in full but never sent me my title. I called Chase and got different answers each time i called. All they could say was when my title was mailed to me... I told them that something as important as a title should have been sent "signature required". I have no proof they sent it. I called DMV who said i could get a replacement title for $25. I called Chase back and got a nice lady who said she will order a replacement title for me by the end of the month. The end of the month came and i received a letter stating...

"We are unable to complete your request. Chase no longer holds an interest in the above referenced vehicle."

So in the end i have to spend $25 and most of my day at DMV to get a replacement title... ARE U KIDDING ME?

Don't trust Chace they promise no problem you have a great credit score just need you credit card and we can get stared. They appraised the house and the day that the rate is to expire i get a letter that said that i am over extended. i have a credit score of 780 and was pre approved the new rate and terms meant that my new mortgage would be $1000 chaper a month so how could i be overextended? it was a SCAM to get my $750 now i cant get anyone on the phone or email respone from Marie Messner or Andrew Kim NO PROBLEM MY A.

Read more: http://www.consumeraffairs.com/finance/chase_mortgage.html#ixzz0FWXA5rOR&B

I have been a Chase Mastercard card member for five years, and I have never been late or missed a payment in that time. I recently changed personal checking accounts. This past month, I entered my new routing number and account number and submitted a payment for the full balance of my account four days before the due date. The payment showed up in my account and I thought all was well.

Then, one day after the due date (5 days later), the payment was reversed. Apparently I made an error when typing in the routing number of my new account. As a result of the reversed payment, I was one day late in paying the card, and a $39 fee was applied to my account.

I called to see if they would reverse the late charge. I thought it would be no problem. Once before, when I was moving and a bill got lost, I was late on a Discover Card payment, and they reversed their $25 charge quickly and easily. Chase, however, told me that "in these tough economic times" they were unable to reverse charges. Now, as both a card holder and a middle-class tax payer, I am very offended by this statement. My money already bailed out Chase Bank, and I have been a good customer for five years, without a problem or complaint. To top it off, the customer representative immediately assumed that I would not pay off my account and acted like she was going to hand my information over to a collection agency. I am insulted by the assumption that I would not pay my debts.

I will close the credit card account tomorrow, assuming my payment for the full balance processes by then. I will also never again use any Chase product or service again. Chase was willing to lose a customer over a $39 late fee. If you are considering them for anything, I urge you not to. Their customer service policies are so poor that they deserve to close their doors.

Chase formly Washington Mutual has been delaying and delaying my home loan refinancing. I started my loan process in Jan, now it's May, and my refinancing is still not done. They keep telling me to fill out more forms, making up new rules. My mistake was properly refinancing with the same bank, they probably think they are losing money once I've refinanced my loan. Maybe I should refinance with another bank now, take my business elsewhere. Afterall, I am the one paying them mortgage every month.

Beware : My Financial Advisor at the Chase Branch on 51st and Lexington in NYC closed out my IRA and bought bonds and equities without my knowledge or permission. Seems that this kind of thing is ok with Chase. Kind of surprised that I didn't have to sign anything before he could do something like that. I'll be moving my money to another bank once this mess is cleaned up.

I have WAMU visa card, which is taken over by Chase bank now. Chase has converted WAMU home page to "Chase" during march 7, 8, 9, 2009. I had set up online payment since I had WAMU card, but Chase has changed it, as a result my March statement payment didn't go thru, and chase charged $ 39.0 late fee + Finance charge. When contacted customer service, call wdiverted to Phillipines. Customer service Rep was very rude and not courteous and didn't care to answer any question. When asked She didn't provide her Rep ID number, she didn't tell her last name, which city she is located. She didn't accept complaint over the phone. she didnt provide address where to send written complaint. She didn't waive late fee + finance charge and kept arguing on each sentence and humilating the customer, as this is all customers fault. if Chase website was not working for 3 day. and she cannot do any thing in this situation.

I have other credit cards like Discover card, Amex card, Wachovia Visa, Capital One Master card and their customer service Reps have been help ful and couteous and easy to do business. I shall not recommend Chase Cards to any body. They have out sourced customer service in Asia, it sucks.

Fraud dept. calls me to say that they have put a "hold" on my account for questionable purchases. Purchase were legitimate that they put hold on, but for unauthorized charges from www.smartsavings.com in the amount of $29.95 + $1 every two weeks, they say they can not stop this! This is the "fraud" department! I asked them to google www.smartsavings.com to see the scams that this company is up to and they just shrugged this off.
Terrible customer service. They say the only thing I can do is cancel my card and get another one!

Chase needs to get act together!

This happened to me several times. I often use my debit card for transactions, like buying lunch or stuff. Problem arises when I have low balance, I first check the ATM and check my balance before I use the card. having checked the balance, I used my card for another transaction. Now problem arises when previous debit card transactions do not reflect in several days, and when they reflect, my balance become negative and I get charged for insufficient fund. The thing I don't like is that the balance shown in the ATM does not reflect the "current" balance. There are still some pending transactions and for whatever reason, they don't get reflected quickly. My other debit card is like real time. Whenever I use it, it quickly reflects in the balance on the ATM.