Chase / late fees, customer service terrible, finance charges
From the day chase took over wamu it was a nightmare for me.
On may 27th, 2009 I wrote a letter to chase that went something like this.
To whom it may concern:
I am writing to you on behalf of _in regards to the business credit card account we have with you. It was brought to my attention on friday, may 22nd, 2009 over a phone call that I received that we had missed april's payment and that we had another payment due may26th, 2009. I immediately made a payment over the phone, but had some concerns as to why I never received a statement in the mail or a notification of any kind. The customer service representative was very rude and could not give me any answer.
I went online to look up our account and found that chase had automatically enrolled me in "paperless notification" when they took over my old account I previously had with wamu. I found this very upsetting for several reasons. First, if I was switched to paperless statement, why was I not notified by mail that this was taking place? Second, why was I not notified that I had a payment that was due? And lastly, how can the switch take place without my authorization? I can not make a payment if I am unaware of the payment that is due.
If you look back to our account with wamu you can see I was always on time with my payments. This was not my fault, but the fault of chase for switching me to a paperless statement without authorization and I am requesting that the $39.00 late fee be reversed.
I have updated the account to receive future statements per us mail so this should not be an issue from here on out.
Then the rest of the nightmare continued.
On may 28th, 2009 I decided to cancel my credit card with chase as they had not only charged me a late fee of $39.00, the customer service was downright out rude, the fax number they gave me to send information was incorrect, I talked to 4 different representatives and got 4 different answers, I was told they do not reverse fees, and on top of it all they had also increased my annual percentage rate from 8.99% to 29.99%. Yes that is not a error in my typing.
I paid the card off in full on may 28th, 2009 and wrote a letter that went something like this.
To whom it may concern:
I have paid off this account in full and will no longer be doing business with chase.
Due to the unacceptable rudeness for your customer service representatives, incorrect information on how to fax something to chase, which lead me on a wild goose chase all day, and being switched to paperless statements without my consent, costing me a $39.00 late fee, along with a lot of frustration and most of all my valuable time is the end of doing business with you.
I know credit card companies are into the bullying phase of the credit crunch, but I did not deserve to be treated like that? Your customer service people are so rude it is almost unbelievable. I will make sure to let others I know aware of the way I was treated and in my opinion they should never do business with a chase bank or credit
I have requested that this account be closed immediately, please make sure that it is.
In june I received my next months statement thinking that I was free and clear of ever dealing with chase again, now let me remind you I paid the card off on may 28th, 2009 and this statement had a finance charge of $73.04 for the balance due between may 26th payment and may 28th the day I paid it off. $73.04 for 2 days!!
I called again and was told there was nothing they could do about it, once again by a very rude customer service representative, so I paid the $73.04 that was due by june 26th, 2009 on june 10th, 2009.
You are not going to believe this, but when I received my july statement my effective annual percentage rate went from the 29.99% to 60.36%. Is this even legal? There was also a $1.00 finance charge included on this statement. I immediately got on the phone again and was disconnected twice before I could even talk to anyone. Once again there is absolutely nothing they can do about the $1.00 finance charge so they told me if I paid it over the phone that would be the last payment I would have to make, so I did make the payment over the phone on july 8th, 2009.
Over done with so I thought. I received my next statement for august and this time there was a $13.95 processing fee for making the $1.00 payment over the phone and another $1.00 finance fee on top of that for a total of $14.95.
I was not going to get off the phone until this was reversed. I spoke to 1o customer representatives before someone finally said he would take care of it for me. I have been checking online and it looks like the charges were taken off, but I have not received my september statement as of yet.
This account was closed as of may 28th, 2009, yet I still have a total credit limit of $5000.00. Will chase ever get it together? No company should be able to do business like this.
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