I had a credit card with providian bank which was then transferred to wamu... And then chase took over wamu.
I tried to charge $89 yesterday and was embarrassed to find out it was declined. I checked online and was over $1, 000 below my limit and my payment wasn't due yet so I contacted chase.
That's when I found out my account had been cancelled in july! The reason? I was using up too much credit on my credit cards. So even though i'd never ever been late on any credit card nor had I ever gone over my limits on any credit card, chase canceled me.
I looked further online and saw a slew of complaints about this - mostly chase and amex. It's insane - why cancel people who have never missed (Or was late on) a payment?!
We used to bank with wamu until chase bought it out. Chase bank is wwwwaaayyyy too big to be a "people's" bank. We are blown off with every complaint from holding all small checks for sometimes 48 hours to process all large checks through first (Which go through like freight trains) , to holding "pending" deposits of payroll checks that have been deposited to the account for close to 10 years for the reason of, "it's a larger check than usual". (I got a raise for work performance if it's really any of their business). This bank is working under questionable business ethics.
Chase took over my account from Washington Mutual. Since the first statement I go my interest rate increase...
My husband and I had our mortgage with WaMU. We filed chapter 7 bankruptcy since my husbands business failed and we were paying and over $3000.00 mortgage. We bankrupted our second mortgage, working with a bankruptcy attorney. I went on Chases website, downloaded and filled out a Loan Modification package. After three months of calling and getting no response, I finally got thru to our loan rep. She told me Congratulations that we had qualified for a Trial Payment Plan. We have been faithfully paying our first mortgage of over $2300.00. With their Trial Payment Plan, I was told we had to pay three mortgages of $2100.00 and then if we did that, our mortgage would be reaccessed and modified to fit our current income. Well the 2100.00 was better than the 2300.00 so we thought we were getting somewhere. After three weeks of not receiving any paperwork, I called my loan rep and guess what. She does not work in that dept anymore and I was given a new name. This one likes to email so I stated emailing. Well first I was told that their systems were being updated and she could not help me unitl that was done. In the meantime my husband and I received a notice from Chase that they are suing us for not paying our mortgage for three months. I immediately got on the phone and had my bank (n0t Chase) fax me copies of the cancelled checks. The did and guess what- Chase's stamp is on the back of all three. They have cashed our mortgage payments and our now using our mortgage money to sue us. I faxed the attorneys a letter along with our cancelled checks. Have not heard a word back from them. I emailed our loan mod girl and told her what was going on. She said she knew nothing about the lawsuit and had turned my email over to their legal dept. She also told me our paperwork was with an outside vendor who does their mailing for them and she would have to follow up. What a joke. I advise all AMERICAN'S to boycott this bank. One hand does not know what the other is doing. If we don't come together they are going to rip us off blind, which is what they are already doing.
I have recently closed my credit card due to the unsatisfactory service and a late fee accessed on my account which I believe should not have been charged.
I usually make all my payments early and more than the minimum payment amount required. My statement with due date 8-3-09 did not have any disclosure of a payment increase. The statement with due date of 9-3-09 only indicated:
Please note you have a new payment due date that has been
extended to give you more time to pay. The new payment due
date is reflected on this statement. If you prefer to select
a payment due date that better meets your needs,
please call Customer Service.
On 8-10-09 I made my usual budgeted amount of $100 to the account.
On 8-14-09 I sent an email via the Chase.com secure mail asking why my payment had increased to $127.00 from $52.00 the past month. I was prompted to send this email as I had no notification of such a change to date.
On 9-3-09 I was assessed a late fee of $39.00 for being late, even though I had made the payment on 8-10-09, and no explanation as to why the mailed statement had an increase minimum payment increase.
On 9-5-09 I contacted the credit card 800 number only to received a very blunt explanation of “you were late and I cannot do anything about the late fee.” I found this individual rude and inflexible when trying to present my point. After being told I was “talking in circles” I asked to speak with a supervisor. I was transferred to Sherry J in Springfield, MO. While she was much more professional and I have no complaint other than she indicated that the only way she could refund the late fee was if it was a bank error.
So I closed my account and will continue to close my accounts with Chase at which time I am financially able.
I received no notice of the increased payment amount, if I had an additional $27.00 on 8-10-09 to avoid the $39.late fee charge on 9-3-09 wouldn’t be the issue. I had already made the payment the day after the statement was cut. It wasn’t a matter of money or intentional payment shortage I had already paid the monthly payment. The inability of the bank I have used for many years and have maintained my commitments in a favorable manner---cannot lend itself to refunding a $39.00 fee. If this is what Chase Bank has come to, I’ll find a local bank.
I am an original Washington Mutual customer & Chase bank finds any way they can to charge you fees. They will put a hold on your payroll check if it not a direct deposit, There ATM machines have different cut off times when WaMu was 9pm PST, They run the largest check or debit 1st to get more NSF fees from the consumer, they charge an $12.50 fee if you balance is negative for 5 or more day even negative balance is only the NFS/Banks fees, There online transfer cut off time is 8pm EST when WaMu was 9pm PST & there customer service reps don't know there heads from a hole in the ground, there are reading from a script & the accents are so heavy you can understand them & they are sure of the ATM & online banking cut off times. I have come to this conclusion that Chase wants to use my & your money to make money, but Chase pays the consumer/us with fees for the use of our money. There is something quite wrong with this type of banking relationship.
Chase auto finance sucks!!! My husband and I financed a 2006 chrysler 300 in 2005. We got hit with 18% interest. We have been paying since 2005, so it is some ridiculous amount when it finally gets paid off. Well for one my husband had got sick a few times in 2008, so we were late on our payments. Chase literally called us, this is no exageration at least 5 times a day. Everyday. Sundays and holidays. Ok fast foward to last month. My husband works for the state in pa. Starting in june he was told the government was not going to pass the budget in july so the state employees would not be paid. So he was not able to make june's payment. So july he does not get a paycheck. Chase is steady calling... We explained to the lady at chase that we have had the contract since 05. We have been late only 3 times if even that in almost 4 years. My husband explained about the budget thing with the state, she said she would talk to the supervisor. So nothing happened and then one day I asked my husband where he parked the car... It was repossesed!!... We were able to get it back for 3 months of back pay. And fees and all that. So $1960 later we are ready to get our car back. Now there is a big run around about where our personal belongings are, and they had to make a key to get in the car... Ha! An extra $225... Hey they could have knocked on our door they could have had a key! So now we owe the auction $225... And we have no idea what happened to our belongings...1 big hassle... Suppose we could not come up with the $1960 they would have sold it at auction! To top it off the value of the car is paid for! We are just paying interest!
Moral of the story: yes it was stupid of us not to have emergency $ but when chase says they are gonna repossess your car take them seriously. And if they don't say they will, they will!!! I guess they don't want people hiding their cars?
Chase sucks!! I can't wait to be out of this contract with this over priced loan and high interest.
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.
I applied for a credit card with chase back in 2007. I only used this credit card one time! The amount that I had spent was $180. I did't receive a bill in the mail until about 3 months later and it was $700 dollars. Today I tried to cash a personal check that was written to me by a WAMU customer but now a CHASE customer. They told me that there is a $6 fee for cashing the check. I thought as long as you went to the bank of the person who writes you the check this is free. Why am I being charged a fee because I am not a CHASE customer. Shouldn't this be illegal? DON'T DO BUISNESS WITH CHASE THEY ARE CROOKS!!!
I went into a chase branch and deposited $370 with an actual human teller. I have to do this because I have an out of state account so they have to send the deposit to Kentucky si it usually takes 24-48 hours tops.
A few days later I called because the deposit was not showing and they said they had no record of the deposit. Of course I could not find the receipt. I spoke with the manager and he did whatever research he did and there were no deposits for that amount that day or that week. Without a receipt they cannot help me. I said check the security cameras He said he needs to know the EXACT time i was in the bank I don't know the EXACT time i said just check from 4 to 5 Nope he needs the EXACT time. Meanwhile i'm racking up overdraft fees and selling my soul to get cash to cover my debit charges. 25 years banking I have never had this happen!?!?!
I have all the receipts confirming that I have made all my mortgage payments to Chase and my bank statement...
As I have purchased several items on Amazon I thought it would be convenience to get one of their credit...
I had 6.48 in my checking account. Using my card I spent 4.81 and had 1.83 change which I later transferred to my savings account. The bank charged me a $34.00 insuffucient funds fee. They say I was short 16 cents. They state that the 4.81 I spent was not processed until after I transfered the 1.81 to my savings account, leaving my checking account with insufficient funds to pay the 4.81. Although the 4.81 was shown to be paid instantly on my account long before I transfered the money.now my online account is showing I made the purchase 5 DAYS LATER then I actually did. They have manipulated my account records in order to charge me the fee!!!
While I've heard over and over about your poor services and how your company is doing processes to harm your customers and just out right steal from customers I never thought I'd have the quality of service I have experienced from a fortune 500 company like yours. Your company needs to remember who the customer is and that it is the AMERICAN customers that have made your company as large as it is and treating them as you are and continue to will make loyal customers like myself take our business to someone who cares about the customer who pays their bills. Dave Ramsey has nothing good to say about your company and others like it as you randomly choose to increase interest rates, charge fees that are excessive and false which leads to my problem as I analyzed my bills and astronomical fees your business has charged me I discovered many that were false and incorrect which is why I'm contacting you about the service I received and why I closed 4 accounts and transferred our retirement funds to another provider.
From 5/13/2009 till 7/14 your bank charged me $850 in fees over the measly 2 months. To start I noticed a fee charged on 5-13 for returned check for a pay off to my credit card at CapitalOne. I actually made the payment through your online bill pay and the payment was paid but for some reason it showed the payment paid and then hit me for a return check fee on the same charge. I'm not sure how this happened but that's not possible for something paid through the online payment plan which also generated a charge from CapitalOne for $29 that you owe.
Then your process is to pay checks from the largest to the smallest so that once you take the largest payment if the funds are negative you can then charge fees on more checks as the lower ones charging $34 per check causing a chain reaction. When contacting the employees at my local branch they stated they do this so the "important ones like cars and rent get paid first". Well you and I both know this is false what processing them in this manner does is give the higher probability to getting more fees and this is unacceptable.
The next set of major fees in question that I don't feel responsible for were the charges on 6/29/09-6/30/09 totaling $340 in fees for $119.92 in checks making even Money Tree a better deal than your bank, they call that loan sharking in most states and illegal. all of these charges were made on 6-24 and 6-25 and you chose to process the $190 Wal-Mart check that was charged on the 28th prior to all of the others causing a snowball affect and to totally burry us financially.
I then contacted your support to deal with the issue and discovered the representative didn't speak English and could understand a word coming out of my mouth just adding insult to injury. After about 30 minutes of trying to explain how your company just ripped me off and getting nowhere I asked for someone who speaks English as a first language and is located in the states so the representative sent me to another rep that again didn't speak any better English which I was blatantly told I could not have an American representative that understands English. With all the phishing scams out there of foreign countries trying to get bank information for Americans you have the nerve to put a 3rd world nation in charge of my money and having access to all my information for identity theft and to assist in stealing my money, this is unacceptable. I then told the representative that I could see I was getting nowhere with any of them as they don't understand a word I'm saying and that they needed to close all accounts immediately and not to allow for any more fees or charges from his point on.
As soon as I got off the phone I shot an email to your executive office and explained my issue and again that you were "FIRED" and needed to close all accounts and not allow for another charge, fee, check, deposit, etc into any account and that when I get poor customer service from any business when I call I will not continue to use them. Tis is why I do not shop at Lowes, WalMart, Amazon, or any other business that seems to forget who butters their bread and treats their customers like any of you do.
After about 4 days I got a call from the executive office and they left a message on my voicemail so I again returned the call and again told the representative from the executive office that treating customers the way your business has decided to treat us we will continue to "FIRE" you and again close my accounts so no further charges, fees, checks, deposits or anything will go through the accounts.
Imagine my surprise as I watched over the next couple of weeks on an account that was not suppose to be having any activity rip me off for another $170 in fees when I had told 3 people now that this account was to have no more activity. What's worst I even received a fee on Jul 10, 2009 that registered a fee for Jul 9th when the charge went through. The great part about this was on the 10th at 1am we signed in to the account to see if the account was still open so that my paycheck would get rejected but noticed it was still open and my paycheck was deposited. at 1am both the wife and I saw the account actually showed a deposit and no other checks or anything so imagine our surprise the next morning when we discovered not only the deposit that went in but also an additional check and of course your great $34 fee for a check and you dated the processing of the check the previous day even though at 1am that check was not listed anywhere.
Finally after 7/14 I went in to the bank and explained I wanted the accounts closed for the 4th time and the representative stated they couldn't close it that day but would close it the following day (Saturday) as long as it was still positive and cash out funds currently in the account. When I explained why I was leaving Chase after being a customer of that branch and WAMU for 10 years I got no response or even so much as an apology for the poor service your business provides since taking over WAMU who believed in providing good customer service and even took the time to utilize mystery shoppers to verify great service.
I believe your bank owes me a total $573 in fees due to your processes and service I have received from your company and believe if I discover any kind of identity theft against myself your company will be responsible for it since the overseas agents are more likely candidates so I am in the process of getting all my credit reports and will continue to monitor them for changes. These fees are your way of legally stealing my money and I will take legal action if this is not taken care of as I feel the majority of the fees would not have happened if you truly had the customers best interest at heart.
My account was
[protected] (closed finally)
I authorized a one time charge of $4.95 on my debit card. Since then they have charged $58.01 on my debit...
Chase canceled my credit card, which was an account that was transferred from Washington Mutual. In the notice they said that it was because they checked with Experian and I had too many high accounts. The thing is that I had a payment protection in this card and that was covering all my monthly payments and the credit card had around 50% of credit in use. They just sent me the letter saying it was canceled and at the bottom it had the already widely known wamuclosure1 that many people are mentioning.
To me, this seems like they have targeted a very specific area of credit card holders without giving any option except paying all the account at once.
Very bad on Chase and I hope the Consumer Protection Bureau takes a stand on this.
I have been trying to work on a loan modification with Chase mortgage for over 120 days. I was finally told that I made too much money to modify the loan. I have had so many issues with these people and each time I think I am getting somewhere, the next time I call I must start over each time. We are not behind and have been borrowing money to stay afloat and to keep things in order. I was told that a loan modification would be best for our situation because the lack of income, however, they stated that because of the assistance I have received and the fact that I am not behind, that they believed we should keep making the payments.
Just as we think we are in the clear then we are struggling again, Taxes in the State of Indiana are behind by three years and I have told the bank that we wanted to start an escrow to ease the pain of paying the two payments, however, I don't make enough to qualify for the bank to handle the payments, however, I would be able to do both if this darn bank was to modify our loan, decrease the interest rate and include the escrow. I know, you're probably saying, if my credit was better, then I should have gotten a better interest rate. Unforetunately, when you are self-employed you must suffer the pain of higher interest rates despite the fact your credit is perfect (high 800). We were told that we were at high risk for working for ourselves, which cracks me up, because when you work for yourself for the past 10 years and you are 100% commission, you either work or you starve. You see they think because you have a job and you are an employee, you are guaranteed on income... wow, aren't they wrong, considering that a large amount of employees (around $875, 000) have been laid off since our economy has tank. Now is just me or are these banks trying to cut off the hand that feeds them. Really, what is the objective, please someone educate me!
We are a family of nine and only my wife currently works because of a disability that I suffer from which was caused by a military service connected injury. You would think that there was some help or a bit of consideration for the service I have dedicated to this country. Oh no, their underwriters only look at what is best for the bank and not their customers.
Thanks for the time and any help would work. I am working on a second request for the Loan Modification.
On Friday, July 3, 2009, I logged into the Chase.com website to make a payment on my credit card. While I was there, I decided to set up a payment for July 9th for a 2nd card that was formally through Circuit City. After making the online payments and logging out of their website, I realized I had forgotten to change the date for the 2nd card to July 9th; so, I logged back in within about 10 minutes of making the payment. Their website has a feature that allows their customers to delete pending payments. I had never used the feature before. I checked and saw that my payments were still pending so I pressed the delete button for the card I needed to change the date on. It gave me an error message:
"We were unable to process your change. An error has occurred while processing your request. Please note the time and report this error to customer service. (6881)"
So... I followed the instructions and called Chase Bank customer service. I explained what had happened to the agent and he assured me that he could cancel the payment for me over the phone. I was relieved...until Monday, July 6th, when a check of my bank account showed that the payment had posted anyway. I called Chase bank customer service again. The customer service agent didn't know how to handle my situation, so she transferred me to another department that handles payments. The woman in that department said they could not cancel my payment, didn't know why the first customer service agent had told me that they could cancel the payment, and (here's the kicker) if I didn't like it, I was more than welcome to consult a lawyer. Unfortunately, at that point of the conversation, I screamed a couple of expletives at the rep and she hung up on me. So...now I had to deal with overdraft fees and overdraft protection fees of about $40 because the first customer service rep obviously didn't know how to do their job.
I've got some customer service experience under my belt and I was trained to work with the customer to the best of my ability. The last thing that I would have ever done to a customer would be to tell them to get a lawyer when it was obvious the mistake was made by one of my employees. If Chase Bank would like a good customer service representative to come work for them, they are more than welcome to contact me.
The nature of this complaint is the banks unwillingness to work with me and their excessive bank fees of...
As a small business we were confronted with a persuasive sales man for beating our current credit card merchant carrier. We wanted a guarantee for penalties and fees of cancellation if contract would be accepted. Contract was signed and we would review once copies were emailed by sales rep. after review there were No guarantee of penalties. So we sent in a cancellation on the same day of signature. The company accepted and all went well. Then we began to get monthly charges of fees from Chase Paymentech/ Payment Systems, We called and were credited amounts and assured all was good. 8 months later we get debited for cancellation fees through a 3rd party. We did a fraud investigation to find the excessive charges of over $1800.00 . After investigating we found Check Gateway made the charges for Merchant Processing Systems which in deeper, we found Payment Systems as the recipient. After contacting Chase in Texas we were redirected back to Payment Systems and after various hours of emails and calls, communicated with a manager. The manager frankly stated the contract was cancelled therefore cancellation charges (my main reason for not accepting the contract and canceling) . She told me I would have to resolve this with legal counsel. Currently we are now looking for legal counsel. It appears this company has to figure organized means of deception to make money. They are leaching onto a Chase name and Chase accepts them as a 3rd party, waiver of yet no responsibility upon deceptive resort of these companies. There has to be a means of nailing these predatory companies!