Chase / late fee fraud & otrageous apr increase
I had a credit card with Washington Mutual for over a year and a half. When WaMu went south, I took my money out of the bank and opened up an account with Wells Fargo. I kept the credit card, which was taken over by CHASE. Well, I had not missed a payment in over a year and a half. The payment date was changed and because I pay bills online, I happened to miss the payment date by five days. When I looked at the bill I decided to call CHASE. I explained that as a loyal customer to WaMu, I was not currently working could they waive the late fee of $39.99 off of my bill.
Long and short. I talked to four different customer service reps. Each one was a supervisor of the last one I spoke to. I explained my situation and that I had never been late, could they waive the fee. Each time I was told that the Terms of their Agreement are clearly stated and they do not under any circumstance waive fees. At this point I am steaming mad. I then look down at my statement and see that my APR went from 14% to ARE YOU READY FOR THIS - 29.99%!!! Are you f-in kidding me?
I then remembered that the nice gentleman at the bank just last week said I was approved for any credit card transfer for a 0% fee for six months!! So, I proceeded to let them know that "when I hang up this phone, I am driving down to my bank and giving my bank my business, because what you are doing is a FLEECING of AMERICA! This is a LATE TRAP! Told them I work in the media and I was going to take part with the rest of American's to boycott and tell the world that CHASE is a FRAUD! I'm making every effort to make my payment on time and the ONE time I am late because of confusion on my payment date - THEY RIP ME OFF!
Went to my bank where the nice representative Lana helped me to transfer my balance to a card at my bank. It took me all of 20 minutes to hang up my phone, get in my car and drive to my branch...smiling the whole way.
Then as I come out of the gym, I see a guy holding a sign at the Corner of Topanga/Ventura that says something like this "CHASE doesn’t keep promises" with a website...
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