Chase Credit Card / late mail and late fees
I have been a Chase credit card holder for a number of years, and for 99% of that time there was never a problem. Suddenly in October of '07 I was hit with a late fee. I contacted Chase and was able to have this fee removed. Great! I then went searching for the cause of this trouble and found that I hadn't recieved my October '07 statement. I have a filing system, where, all monthly bills are kept in separate files, with notations as to when and how paid, check numbers and verification numbers or payment reciepts, and keep them for a minimum of 2 years. I figured that it must have been a postal error, or perhaps my wife misplaced the statement. (this would be the first time since I've known her) Then, after 3 months of things running smoothly, I recieved another statement with a late fee added. The payment for the month of February '08 had not been made. I checked again in my files and found thaat the statement for February was also missing. I contacted Chase again, but this time was unable to persuade the customer service agent to remove the late fee. I accepted this and decided I would transfer the balance to my local bank card and eliminate the possibility of a recurrence. I went on, 3/18/08, to my local financial institution and arranged for a transfer and consolidation from Chase. Several days later I recieved a notice stating that a check had been cut on 3/20/08, and that it had been sent. Then, I recieved another shock. I expected to recieve another statement from Chase for interest on the previous balance that had been carried into the month of March. Surprise of surprises, there was another late fee. According to the customer service representative to whom I spoke, the payment had arrived and been processed one day after it was due. Incredible as it sounds, it took a full week for the payment to get from Boston to Wilmington Delaware, when it takes four days for it to reach them when I place it in my rural mailbox.(this is shown as being accurate by the dates on my checking account statements) This is the box that stands at the end of my driveway, with the little flag on the side for notifying my local carrier I have mail to go, and which he occasionally ignores. Chase is a very large financial institution, and has a responsibility to its own clients and shareholders, but when suspicion becomes epidemic for me I must move on. I no longer trust Chase, and can no longer deal with their intransigence. I hope many others of you decide also to sever ties and move your accounts closer to home. As for me, I will take all the colorful metaphors about Chase, that are racing through my brain and try to turn them to a positive outcome. Goodbye Chase. I, personally, hope that you fair poorly.
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