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!
The chase bank took over for washington mutual not too long ago. Last month I realized I had forgotten to...
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.
Chase took over Wamu and my credit card balance. With WAMU I signed up for a payment reminder so I would not...
In October of 2005, my father who refinanced with Chase Home Finance, passed away. Unfortunately he passed...
I am in the midst of a foreclosure with J.P. Morgan Chase Bank, NA. on a home I own is Cincinnati and noticed...
I had been a customer for 12 years without a late payment. I didn't receive a bill last month and was popped for a $40 service charge and interest on a card I had paid in full for 12 years - no late payments. I called customer service and was told that neither the first person I spoke with nor the supervisor could waive the late fee - supervisor even hung up on me when I asked him to repeat that he did not have the authority. Was told it was "policy". Went to a branch and they said if I had another account they would try to help but without another account there was nothing they could do. This is the way they choose to do business I choose not to do business with them - a pity after 12 years. I guess they get enough of the taxpayers money they just don't care to keep customers who pay the bills...
I never was behind paying my bills, but I had to go onto Social Security Disability a few years ago, and that is the only income I have. I got a checking account at one major bank, and a year ago I switchd to Chase. In one year I have paid about $3000 on overdraft fees and though I tried to discus this issue with them several times, they have been cold and heartless. Obviously, when I have to pay these fees, I can't pay my bills, and I am more behind than ever.
Even if I am overdrawn by $5.00, I get charged $35.
I really hate the whole banking system, but I have no choice but to have an account. Though my story is not unusual, I feel like we are all victims, and I resent that they are "bailed out" but they won't give their clients one break.
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...
Re: attorney advertising
My name is sean mcgrew, and i’m a legal assistant to attorney dan bryden, with the law offices of sprenger + lang. We are investigating a class action lawsuit of chase bank’s payment protector plan.in the past, persons have posted on this blog regarding their issues with chase. If you would be interested in communicating with a law firm regarding this matter, please contact me at [protected]@sprengerlang.com. Thank you.
We had a credit card account with Washington Mutual, which has been absorbed by Chase. We have always paid in an excellent manner. When we did not receive the March statement, I went ahead and scheduled a payment through online billpay. Anticipating that they could possibly change the due date, thereby putting me late and enabling them to change the terms of my account, I paid the bill 6 days earlier than usual. I received the statement today to discover that they did change the due date to 7 days earlier. So, I was one day late. I was charged a late fee and my interest rate was increased by 11%.
I called them and asked them to review my account with WaMu. If they did so, they would have seen that we have an excellent, long term payment history with them. Also, I made reasonable attempts to avoid this situation. Chase responded that they did send a bill and since there was no banking error, nothing would change. While on hold for a supervisor, I googled the situation to discover that many of those who were a part of the conversion did not receive a statement and the same thing happened to them. The supervisor agreed to waive the late fee, but the interest rate would remain.
Bank One checking account holder for 10 or so years before Chase bought them- so account holder for about 15 years now. I was assured at the time Chase aquired my account that it would be grandfathered in with zero changes. The account is 100% totally free checking, no minimum balance requirements, no direct deposit, no monthly service fees, no spending requirements etc. FREE in every essence of the word.
My accidental life insurance policy, which was originally offered and set up through Bank One is taken out of this account. This is the only thing I use the account for- nothing else. $16.50 auto withdraw every 3 months- $20 deposit every three months to cover it.
Evidently Chase was unhappy with not making monthly fees so according to them they notified me in January 2009 on my statement that the account would be changed to a $500 minimum balance account or a $10 fee would be charged. I never got that notification as I get online statements- I am requesting a hard copy at a local branch today to see what the alleged notification actually said. But just because you are notified doesn't make it okay to do anything they want. Years of account history informed them that the account would not have $500 in it nor would it have more than the one transaction every quarter.
The account had $3.40 in it when they wanted to take the brand new $10 monthly fee out in February. So they took every last penny in February leaving a zero balance, it was just days after my auto withdraw had hit- otherwise they would have gotten their $10 and I would have not had the funds to cover my insurance. I am sure that would have triggered massive overdraft fees etc... After 60 days of a zero balance, the account is automatically closed. I show up to deposit my $20 for the life insurance policy and am notified that I no longer have an account.
After going in and talking to the c/s rep and and asst. mgr.- the bank manager calls me to inform me that I can have the account back as is for the $10 per month or $500 minimum balance or I can 'upgrade' to a new account for $6 per month. How is it an upgrade from $0 per month to a $6 fee per month? I guess in her mind that is better than $10, in my mind its still $6 per month more than I had been paying.
I told her that I was getting royally screwed for $120 per year or worse for $72 per year. She didn't agree that changing an existing free account to a fee account out of the blue is screwing anyone. So after 15 years, Chase has zero monthly fees from me (other than the $3.40 they took) and one massively unhappy ex-Chase customer vs. the option of zero monthly fees and a happy Chase customer. No wonder all the banks are having so many issues, they all suck at serving their customers. They all only think of the fees they can bleed from each account holder.
What recourse to we have? What can the little people do against the greedy giant banks? I guess this is the only thing we can do- warn each other that they are scheming, money hungry, heartless, fee charging machines. I highly recommend not using banks at all, but definitely not any bank with the name Chase on it or that has Chase as a parent company. It will only be a matter of time before your specific raping will occur. As found all over the internet, Chase is evil and cares nothing for those that keeps it in business. Good luck to you.
Well let me get started by saying I agree with all the other opinions the other people have given, they are the most rude people in the business of car loans or anything else for that matter. I was just on the phone with chase today for about 2 hours, I kept getting put on hold for everything which thats understandable. When a rep finally spoke to me they were telling me the opposite of what another rep said to my wife. we need to get a deferment, my wife and I have fallen into hard times with money and we have allways been ontime making payments every month.
Well this lady named Valirie was telling me I can not have a deferment due me being unemployed but I get unemployment pay each week so I have money to make the bills every month. She gave me the 3rd degree and lectured me like she was my mother or worse actually, really demoralizing me. Thats not their problem if I'm unemployed all that they should just be concerned with getting their payment when I say I can make the payment, she kept telling me I was a low life with everything she was saying in a nut shell, so I hung up. I called back to speak with someone else my call kept getting passed around from person to person, each person I spoke with couldn't help me because they said they don't handle that stuff. So finally I got to someone else who spoke with my wife which he was extremely rude to her telling her to put me on the phone, my wife has all rights to the account so he shouldn't have been so short and rude to her, anyways He started to talk and was pretty much yelling at me about why did I call back when I have spoke with someone allready about the matter, I asked for a supervisor, he straight up said no! and hung up and re- routed my call to Washinton mutual bank. Little later my wife calls and gets a supervisor on the phone, he asked her if she was in employee she said no I'm a customer the guy said sorry I can't help you and hung up right away, his name was Steve. Thats where I'm at with chase the rip off bank.
Is anyone familiar with Chase Residential Solutions? They are a Loan Modification Company in California...
I have spoken with a lawyer friend and done some preliminary research on the internet regarding my situation...
Jpchasemorgan calls several times a day, harassing us. on thursday, april 23, 2009, these are just some of the times they called:
We were out during some of this time and some of these were logged in on the caller id - so it logs in the last id.in addition, they have sued us under chase usa - I don't know the difference. is there anything we can do?