A representative from Chase broke in my garage. The bastard was looking for a car that I did not even own. My wife cosigned for somebody (against my advice) and the guy never made payments. So they were hounding us for the dam car. The bastard also called our house late at night and threatened my wife. When I called Chase to complain they did not give a shit about anything except for the goddam car. From then on I stopped doing business with Chase. I destroyed my Chase Credit Card. I had an account with Bank One and when they became Chase I closed my accounts and took my money elsewhere.

Fuck Chase!

I have had the somewhat the same problem with Chase Bsnk AOL Visa. I use Etrade Financial to pay my credit card bill. Etrade had a glitch in their system and I got an alert from Etrade that I had several insufficient fund charges on several checks I had written. I immediately called Etrade and was upset because I know my available funds were aplenty. The Etrade representative apologized and quickly fixed the error. Etrade immediately credited my account the charges the had charged due to the gaff. I expressed concern to the Etrade rep about the checks I had written and the Etrade agent told me he did not think it would be any problems and the whole scenario should update very quickly. Chase Visa did electronically transfer (ETF) their money from my Etrade check and I thought all was fine. However, then I noticed on my Visa online summary a $35 charge. I called Visa and give them the information of what happened and that Etrade had the mistake on file under a specified correction number as well as the phone number of the ETrade agent who handled the correction. But the Chase Visa rep basically said I would have to make written requests and have an affidavit from Etrade stating the “facts”. They refused to investigate it otherwise. And on top of that the Chase Visa rep stated that the $35 would not be reversed unless it was Chase Bank’s caused problem. I argued that my credit card record was a perfect one and this was a etf failure due to a glitch, and it truly was. There was never insufficient funds at all. Chase basically said too bad.
A few days later when I was getting ready to make a written appeal under the Fair Credit act, I noticed that my credit line was showing incorrect like my payment was not reflected even days later when I had saw the cancelled check at my Etrade account. I called Chase again and after once again arguing with me that I needed to make a written plea and it would be up the Chase’s good graces (but she doubted it would be successful) about the penalty charge, the lady supervisor finally admitted that Chase had froze my payement since they had to ask Etrade for it twice and even though it was posted on my account, it would not be reflecting in the balance until they decided to let it do that. She gave me multiple dates that could be.
I argued that you either have the money or not. She was wishy washy and actually tried to say they did not have the funds, but when I told her that Etrade said the funds were already transferred, she then changed her tune and said “we have the right to hold that money and freeze it and not apply it since you had insufficient funds.”
We had went around in a big circle. She might as well have called me a liar on all I had presented. Chase basically turned an ETF transfer gaff mostlikely caused by a computer glitch into a mean spirited punishing type agenda towards me as a customer.
And the web postings I have found is reflective of that this type thing happens apparently more than once. It is a shame that the consumer is reliant on 2 other financial institutions in most all transcations, who if they make any kind of mistake they put the burden on the consumer to jump through a hoop and beg for the mistake to be taken care of. And when you point it out the mistake quickly, make about a dozen calls to pinpoint it, they then want an Act of Congress to fix it and alays tell you that they cannot do it but “you need to contact someone else.”
My attitude is this. I have worked, begged pleaded and presented as far as I am going to. If Chase Visa can see fit to take an account that has never ever been late or had any problems whatsover and want to freeze checks and freeze credit and talk with a shitty “don’t bother us attitude” because they cannot get together with other banks and on a messed up ETF that was simply a glitch—–well then Chase Bank and AOL Visa can stick the card straight up their ass sideways.
I will immediately stop using that card and will let it sit there. There is nothing worse than to talk to representatives of insitutions and companies on the phone and they basically sit there with a power to fix and help—-but they choose to sit there with their finger up their ass and spit out smart assed type of rhetoric of “what you need to do…..” while they do nothing.
I mean what the hell-you call customer service for service. And you have credit card for credit. And when they don’t do what they can do and are the only one who is supposed to-then it is time to say–
“CHASE BANK-stick your credit card and your customer service straight up your ass.”

To follow up on the Chase AOL Visa fees charged in my previous email. Here is an update.To review, I had made five requests and inquiries immediately after the ordeal first happened. The first rep said the fees would not come off and I appealed to his supervisor, who told me also NO, but that I could of course appeal in writing should I choose. That night I sent an email explanation along with some data to Chase AOL Visa requesting it be investigated and the charges removed via the online site. Then of course when I saw that my payment was not being applied toward my credit limit as well as the fees still on the account, I called back. I got a rep this time who quickly turned it over to a supervisor on his own. The supervisor said she was not the same supervisor I had talked to a few days earlier when I asked if she was, but she sure sounded exactly like it was with the same tone. And she vehemently denied anything could be done without me acquiring affidavits from the other bank. She became really agitated when I told her it apparently did not matter what evidence I presented, because that was already in place in my word, but it was more of finding someone at Chase Visa who wanted to actually do something with fairness in mind and make a decision based on Investigative Truth and not a decision based totally on one way rules and doing nothing to look into the matter.
As the email above stated, I was left in a very bad state from a Customer Service at Chase Visa who was like a broken record and attempted to fix nothing while actually even withholding information such as they froze my credit.
Well I just got a reply from the email request I had made and it stated that since I was a good customer that they valued, Chase AOL Visa would reimburse the fees this time as a “courtesy”. I of course will accept that reimbursement because that is what is right. As for “courtesy”, they can call it what they want. But the truthful fact remains is the fees were generated by a glitch and not by me trying to write an insufficient fund check as Chase had implicated.
That is the business world for you. There are no more good customer/ business relationships. It is all about who has the power. Wonder how many correct customers has stuff like this happen to them that don’t follow it up and ultimately give in to such fees. I am sure there are many, many deliquent debtors who abuse credit and rules. But all this ordeal I was involved with could have been settled by a little dab of trust and then a phone call. Instead it escalated into me having to spend about 6 hours of my time making calls, presenting facts, and typing emails. And then on top of that the worst thing, having to get mad.
As the first poster with a different Chase problem above noted, why would Chase take such an ugly argumentative stance declaring things are “out of their hands” and “that is the rules” and “we cannot fix it since it is not our bank problem”-then turn around and in the end finally have to admit the customer is right.
It is sad. But one good thing. Chase AOL Visa exposed their customer service at least to me. Thank you Chase AOL Visa email rep for doing the right thing. Shame on the phone reps for doing absolutely nothing but damaging any confidence I could have had in them.

Just closed my Chase account. I had a high balance, low interest card with them. I never exceeded my limit. Always paid on time and substantially more than minimum payment. Regardless, they upped my interest from 11% to 26% because I have too small amount in available credit and other accounts elsewhere (so I’m told by their rep on the phone). Of course, I was unaware of such a practice and told them to just close the dang account. I have good credit and when I get the shaft like this, I’m certainly going to advertise. Anybody else out there get the shaft the same way from Chase?

I am getting the shaft from Chase as we speak. They mysteriously raised my interest rate from 9.4% to over 26%, which I found odd since my credit is probably in the top 15%. I always pay my bills on time, and never pay the minimum. At the time I owed $7700 on my Chase card. I used the email function on the website to ascertain the reason. To date, I have received no less than 3 reasons…none of which make sense to any speakers of the English language. The first excuse was they wanted to bring interest rates in line so that everyone has a smiliar rate (I swear to God, I still have the email they sent me!) The second excuse oinvolved something they sent me in the mail in October 2005, and I was supposed to respond by November 2005, but they couldnt tell me what it was except it had nothing to do with my credit report. I then informed Chase that I am a captain in the US Army and deployed to Iraq 23 SEP 06, so obvioulsy I have not been receiveing their mysterious mail. My sister sent me a bag of all my mail around the first week of january, they certainly did not send me any mysterious insert in my October bill as they claimed. Finally, I see an electronic insert on the website under my December statement. It was a form letter explaining the default rate. It was very legalese, and there was NO explanation as to why I was being moved to this rate reserved for unemployed 17 year olds. So they were wrong on explanation #2 as well. I told them to either explain to me why a 36 year old man with an impeccable 18 year credit history and income of over $70,000/year was being given a 26% interest rate. I was met with the sound of silence, until a customer service rep offered me an 800 number (I have explained at least 3 times that I am in the middle of the Iraqi desert, AT&T is nowhere to be found) where I could beg for a lower rate. Which brings me to today. Funny thing about being deployed, an officer, and single. You accumulate large amounts of cash rapidly. On 9 FEB I paid off the balance. Yesterday I sent a final email asking for an explanation why my interest was raised by 280%. This time I will begin writing my thesis as to why Chase raised my interest rate. I suspect they hit the wrong account. They raise mine by accident, would not explain to me why, would not reverse their actions, and thought they had me over a barrel. What they really did was lose a good customer. And they lost lots of money (A drop in the bucket, but I am probably not the only one in this situation with Chase) for their shareholders. I was paying round $100 month in finance charges alone. No longer as my account is zero now. I am considering writing a letter explaining this fiasco to the CEO, and as a shareholder, possibly to the Board of Directors. I may submit an article to various financail magazines, newspaper financial sections etc. Chase has lost me as a customer forever, but unless they apologize, or at LEAST tell me why they tripled my interest rate, I will be the best advocate for avoiding Chase Manhattan I can be.

Kevin, your comments are interesting. I too have just had a mysterious increase in my rates. It went from 7.99 fixed to 11.24 variable rate. I had absolutely no idea why, so I called and asked why. She said that I was sent notification in November that the rate was being increased and why. I was told it had something to do with my credit report that they recieve monthly but that she could not tell me what. I never recieved this notification, and besides it is now February and we all know that it would have been done before now. I just checked my credit report. Nothing has changed. Still flawless credit. What gives? Sounds to me like this is a ploy by them to get more money out of customers. Be assured that I too will be paying off the full balance by the end of next week (which fortunately is only $300) and never using the account again. After 2 years of no use, feel free to cancel the card because it will not hurt your credit rating.

Chase is evil! We have never been late with a payment and have good credit. Yet, Chase decided to randomly increase our APR to 29.99%! We called to ask to have it dropped down and the idiots would not even do so by 1%! We will be closing it soon and we’ve encouraged any family members doing biz with Chase to move elsewhere.

Yes Chase is evil.

I have been with them for 10 years and like some of the people above I got a mysterious letter from them telling me that my rate had gone from 7.9% to 24.99% because of something on my credit report. They had no interest in changing our rate downward

I had been with them for 10 years and was never late on a single payment. So much for a business partner.

We are canceling our card and will be terminating a $200,000 lease agreement my company has with them.

I will never use another Chase product for the rest of my life. They can go to Hell.

Damn! THey did the same to me. Did an online payment and a phone pay and they came back unable to locate. I put a dispute in and they slowly provided me proof that when they attempted to draft my account that they cut off the last 2 digits of my checking acct number (both times). Despite proving that they were wrong, the said the matter was settled in their favor. What a bunch of knuckleheads.

It seems it’s not always a matter of choice to choose Chase, more like they chose you. What I assume happens is Chase buys out a bank like Bank One, or one that you haven’t had a problem, then raise interest rates to around the default status (29.99%)no matter what your good credit rating or history is with them, and use that stolen money to buy another bank so they can repeat the same scenario with the next group of new found customers”. They hide out in Delaware, the tax shelter state in America; make up rules as they go; never care about the people they are screwing, and send their dirty work to India for collection. Hanging this bait & switch corporation by the balls would really be too kind. Fortunately there are some things that can be done. 1) If you can’t pay them off, read the FTC rules concerning debt collection. You can always counter sue if they overstep their territory. 2) Get an unlisted number. 3) Get a whistle to blow in the phone earpiece when they annoy you. 4) Save 50% of the balance and default. After 90 days they’ll try to get pissy, at 6 months they will turn it over to a goon. Around 9-12 months they will settle for half, especially if you offer they 25% tops. 5) Don’t vote Republican. They are the group that gave these corporations so much power.

I am the one from above with the long winded Chase complaint saga. Have I gotten over the Chase AOL Visa reps? No!!! So now Chase gets to manage my dormant credit card account. I have thus officially moved all my buying and billing to Mastercard. I simply refuse to deal on any major basis with a company like Chase who has Customer Care Supervisors who put forth no real effort to investigate or consider the truth in problems that arise.

But more importantly than that, I get the priviledge like the other complaint posters. I get to say, “Listen Consumers”. When you are wrong you are wrong. And when you are right, you are right. So it is my duty to tell my fellow consumers “That could be you”.

I was persistent enough to finally win my argument with Chase over the ordeal through a written email complaint. But what I really despise is how many times these things don’t get corrected. How many older people or people without my resources of research give in to this type of stuff and are bent to agree with a representative who represents the best interest of Chase only? Rise Up Consumers!!!

When businesses don’t hold up to their responsibilities to respect their customers,
“DO NOT PATRONIZE THEM—- NIP THEM IN THE BUD”

Hell yeah I just realized I was getting shafted by Chase. They just raised my APR on everything (balance transfers, purchases, cash advances) to 29.99%. They said they did it based upon review of my credit report, and that they notified me. Bullshit. They won’t undo it, so I cancelled immediately and gave my debt to someone else. FVCK CHASE, they are extortionistic criminals

Same thing happened to me this morning. I had a small balance with Chase, around $250 or so, and was at a 7.99 APR. I checked online this morning to find my rate at 29.99% APR!!! I got the same type of response many of you are getting, checked my credit report, etc. etc. Blah blah. Anyway, I paid in full and closed the account. (It was just a 1,000 max, so it won’t affect my report too much).

Funny thing is I do a lot of investment advising in the Chicago area, and I make a lot of recommendations of good banks for clients to look into. Banks that care about their clients. Well, needless to say I will have nothing good to say about Chase bank anymore!

Would a class action lawsuit be possible here?

(I also am in the top 15% of credit scores)

READ YOUR MAIL…anytime you have your APR increased and it’s because of your credit report, you were all notified of the APR increase 2 months ahead of time. A letter was sent to each of you, it’s not Chase’s fault you threw it away. The envelope has it written in big letter “CHANGES TO YOUR AGREEMENT”. The letter gives you the change to opt out of those changes by closing your account by an opt out date which 2 months from when the letter is sent. Stop blaming your credit card company because you throw away your mail assuming it’s junk mail. Also read your credit card contract, it does state that the Card Company has the right to ammend the terms of the agreement at any time for any reason as long as they notify you ahead of time. Chase sends the letter every time to the address on file. It’s your responsibility to keep your addresses updated.

In response to the above… I never received a letter from Chase, much like too many others who say the same. If and when Chase does do such a thing, it should be made very obvious - put a large font, italicized, letter in with the bill. Heck, wrap it around the bill. Don’t do the “you’d better be looking for it in the small print” tactic. Also, and very importantly, I have my credit rating checked on a regular basis. It’s a service offered from another credit card company. There has been no change to my report. I still have great credit. This Chase fiasco that too many are getting clobbered over has happened due to Chase’s greed and ineptitude - not my or others credit rating. I’m sorry if you work for Chase. I’d rather shovel s__t for a living.

I hate these bastards. I was charged a $35.00 late fee when I actually paid them $50.00 more than the minimum required payment 4 DAYS early!! After 3 emails with the EXACT same response I’m at my wits end. I also have excellent credit and my rate mysteriously was increased in December. These fuckers make so much $$ on people that don’t bother disputing (as if that would work anyway)their fees that they don’t need to refund them, even when they are in the wrong! PS- I’ve also had to get downright abusive with their reps who incessantly call me to offer their “Credit Protection” plan as I’ve told them at least 5 times I don’t want it. I actually had one woman argue with me about it! Damn them all to hell.

Hey Chase Rep from above!!!. LMAO at your statement about consumers should keep addresses up to date. LOL Wonder how if they don’t keep their addresses up to date, then how do they get a credit card bill from Chase? Are you saying they don’t pay? And what is your personal criteria for knowing they were sent a letter. Did you send it. Or is it just policy you know about which I will get with in just a second.
I myself did not have trouble with the rate. I had trouble with a payment glitch that can and does happen with these new ETF’s, that the Chase rep said never happens. Hmmmmmm. As for Chase having the right to change the user agreement. Yeah, and that’s fine. We do know that. And so does the customer in a sense have an agreement with themselves. People like us can tell the smart aleck Chase reps to stick it up your ass if all comes to worse. When you choose to do things not by research or by the fair truth but rather just do whatever because you can, then You can manage my dormant account.
That is the problem with Chase as I see it. Instead of running a two way business you want to fish with cheap hooks in a one sided business. You would rather use the old gimmick of “its too much trouble for consumers to quit” and “so what if they quit, we are one up on ‘em now”.
When I see a Chase rep write something like above where he chastises the customer, it makes me wonder. Every time I would try to fix my simple problem the rep would say “its our policy” and “my hands are tied” and “I can not make the fix as it would be reversed from above”. What I am getting at is they pass the buck as “policy” when they are one on one, but then some bigmouth Chase rep comes on a board and chastises the complainers for complaining when he could not possibly know the circumstances of individual cases. I don’t think I would comment on anybodies case without knowledge. but fortunately I had knowledge in my own dealings.
This is a complaint board. It warns people what can happen. It tells people how companies deal with their customers. I think it is good. Sure, not all complaints are legit. But like a doctor seeing the same type rash, one can make good deductions. And there is still the old adage of “satisfied customers”. That should be your promo, instead of calling complainers whiney and neglectful.
I know I was right in my case. If I weren’t then the great Chase would have not have eventually given in. After all Chase has user agreements, right?

Another Chase-hater…

So in Nov 2003 I called up Chase to close my account and they swung me over to a “loss retention department” whereby the dude on the phone offered me a fixed 5.99% rate for life with assurances that the rate would never change. The convo went something like this:

Chase liar said, “Your rate will never change.”

I said, “So there is nothing that will ever change the rate?”

Chase liar (whose nose apparently starting growing) said, “That is right, it is a fixed rate and will never change.”

I inquired, “So I can make late payments, no payments, prime can change, I can call you any number of mild to harsh expletives, and my rate will never change?”

I could hear him smiling but was unaware at how long his nose had grown as he replied, “Correct sir (he called me sir…), your rate will NEVER change.”

So for two years that was true. My rate was 5.99% fixed…and then it happened…the mysterious notification, which of course I did not get. The rate changed…

So I called and argued, was transfered from useless departments to useless supervisors, one of these “supervisors” dumped me off to the automated bill payment service to try and get rid of me…I sent an email through the system which came back with the same crappy explanations about notifications, they didn’t hear from me, blah blah blah. Not that my calling would have done anything but at best keep the rate on the balance I was carrying (I assume but prob wouldn’t have happened anyway) nevermind the fact that my 5.99% fixed for life was gone….GONE!

These customer service people and their supervisors are really all just a pack of useless morons who only regurgitate their company’s garbage stock responses and its funny when you ask or say something that “throws them off”. You can almost hear the rusty wheels spinning in their teensy skulls as they mutter in their best Lenny impression something about the computer not having an answer for that one ah-duhhhhhhh.

Oh well. I paid the balance, closed the card, and shed a tear for what Chase and I had…

Just another addition to roster of complaints. In June 2005 I opened a Chase Credit card with a fixed rate of 7.99% and an introductory 0% on balance transfers through August 2006. In August of 2005 I was charged a late fee on an ETF payment. I called, told them that my bank showed the payment as processed three days prior to the due date and had the fee reversed. At this time I also asked them to confirm that my introductory rate was not affected and that it was still good through August 2006.

Two weeks later I get a letter in the mail telling me that they were sorry they couldn’t satisfy my demands as a customer and that they regretted MY REQUEST to close the account. Only problem is: IT NEVER HAPPENED. At no point did I request my account be closed. Fine, whatever, I was only using their card to float the 0% interest, which remained so I decided to keep the account open until the 0% period runs out, that way they can eat the interest charges.

Fast forward to today when I receive my monthly statement for April, included is $39 in new activity, I call and am told that my payment from March was one day late. Again I check the bank records and sure enough the payment due April 2nd was processed on 3/31. Only this time they won’t reverse the fee because they’re only allowed one reversal per year.

Out of principle I have half a mind to pay the account in its entirety and tell them to pound glass sideways but I’m still in the 0% period for the next three months, they can continue to eat that. In the meantime I want the prime rate to go up as much as possible so I lose them the maximum amount for their bullheadedness.

This attitude towards customers with solid credit (top 15% of scores here as well) belies their real purpose - customers with good credit make for lousy margins. Charge a few fees, raise some rates, now you’re making a lot more per account. Customers with timely payments and low balances simply aren’t worth as much.

Chase has become the worst of the worst! unfortunately, they are also hurting other banks who are not nearly as bad. While many CAN pay off their accounts after being abused, many others cannot, and are literally being driven into default or bankruptcy. If someone is driven to the brink of bankruptcy, that person cannot legally show favoritism to the creditors that did continue to treat them fairly. This is how they are hurting other banks as well.
There is NO defense whatsoever for suddenly raising an existing low rate balance to 29.99% for those who pay their bills on time. This is SO far over the line of fair play and ethics, it is not even a point that can be reasonably debated. Just because something is technically legal by some state laws does not make it right or ethical. This is THEFT…pure and simple.
Like one of the posts above, Chase is operating with stolen money, and every person or employee that helps them continue to do it is an accesory, at least by moral standards.

And their online system is down today, sorry up, sorry down, sorry down.

I agree with what was said in the above topic that chase sucks. Here is why.

I have had a debit card with them for about 3 years, and I have overdrafted a couple of times the earliest one being this week. I owed them $68. so i thought to myself that i will pay it off. What I did not understand was that for those 6 transactions I have had to add up to the $68 i was charged $32 on each transaction so now I owe them $192.

Heres the catch, one of my friends used to work for chase as a personal banker. He said that it is up to the banker to decide whether the overdraft fees/the rate on your credit card will go down. Simply, if you are a dick to the personal banker they will do nothing for you.

All that has to be done is the banker tells the supervisor to waive the overdraft fee or lower the interest rate on the credit card and the supervisor/manager has to sign it.

The way that this is done with debit cards is that if you are overdrawn and you get an overdraft fee, the banker will check if you have a credit card. If you do not, they will say “well in order to knock off these payments you will either have to have overdraft protection (opening a savings account) or you can sign up for a credit card.”

Depending on which one that you sign up for, that will be up to them for how much they will take off of your overdraft fee. So if you sign up for the credit card (which the personal banker who is talking to you will get a commission off of), you will get all of your overdrafts knocked off, if you apply for the savings account they will do nothing and still make you pay the amount in your account.

Hope this helps someone or gives a better understanding of how this hell hole of a bank works. But if you know someone who works for chase it should be no problem on getting your interest lowered or getting rid of overdraft fees.

I too have been the unwitting victim of CHASE BANK. I was a completely content customer of Bank One (long live Bank One) when it was gobbled up and swallowed by the conglomerate. All was well until the websites merged a month or so ago. Suddenly I noticed a fee on my online statement that was title “FINANCIAL SOFTWARE MANAGEMENT” in the amount of $9.95. WHAT? I thought to myself - so I whipped out an e-mail to Chase “customer service” whereby I questioned this fee. The reply stated that this was a charge imposed for the usage of the online download service that interacts with Quicken, Microsoft Money etc. I snappedly replied that for the past several years that Bank One offered this same service I was NEVER charged and had assumed that would remain the same - I mean after all that’s what I was told - - that NOTHING would change except the bank name. SUCKER WAS WRITTEN ON MY FOREHEAD - - So this was the obviously scripted reply I received: “I understand your concern regarding the service fee recently assessed to your account. Unfortunately, the $9.95 per month service fee is the standard pricing for all users of the Personal Financial Management software. The enrollment for this service is done through the online Customer Center, upon acceptance of the Legal Agreement.
You may cancel this service and prevent this fee in the future by replying to this message”.
Do you just LOVE the way they say “Unfortunately…” What this poor helpless representative doesn’t seem to realize is that I DIDN’T SIGN UP FOR THIS SERVICE ON CHASE.COM…I already had it with Bank One when the websites merged. I DID NOT ACCEPT THEIR “LEGAL AGREEMENT” since I already received this complimentary service with Bank One. Subsequently I’m looking for a new bank - I will have to move several credit cards and an auto loan as well…This is freakin’ ridiculous!!!
CHASE HATER 2

My March payment was one day overdue, which the due day is a Sunday. They charged me over $110 for it. Then I called them, their “NO” customer service waived $78. Then I decided to cancel it. In April, they charge $45 finance charge for my last bill, and did not apply my rebate $57. I called them, they said they will charge finance charge for two continous month, and can not apply my rebate.

Chase sucks! This is the most ugly company that I ever deal with.

Chase Sucks and Stamps.com Sucks.
Check this out I had a stamps.com account that was 5.00 a month. I never used it and never bothered to have them cancled because I though I might use it someday.
Well they jacked up the price of their service and started charging me 15.95. I never got an E-mail stating the rate raise.
I log in and Guess what? They have no way to cancle online.
How convienient eh.
I call on the phone and cant get anyone on the line to cancle.
I want them to stop paying Stamps.com they say we cant do that.
So I ask the guy if I say I lost my card tehy cant charge me right?
He say yes anything charged to my card will be flaged as fraud.
So they change my card number and I start getting problem with your payment e-mails from stamps.com.
hah ha screw you I think.
Then they stop.
So I get my next statement and theres a charge on it 15.95
I call Chase and ask them why I have a charge on my new account.
They say well you didnt go through the fraud department so they got through.
So I tell them this fraud then and they tell me We have blocked your card.
Cool I start getting problem with your payment e-mails again.
Screw you I think.
They stop.
I get another charge on the next stament and the previous charge that should have been fraud is transfered to my new card.
Im getting pissed.
I call Chase and they give me the run around and ask if I got the fraud papers in the mail?
I never got them.
Im Pissed.
I call back and cancel my card, I pay the 65.00.
Gotta be done now.
Card paid off and cancled right?
No I got another charge and a late fee again.
The cards not cancled?
Answer me how do you get a credit card to stop payment to a merchant that you can’t get ahold of?
I hate these Bastards with every fiber of my being right now.
Now check this out Chase credit cards has no customer service at nite.
only an automated call center.
You have to call during the day to get someone on line.
Sounds to me like Chase and Stamps.com are one and the same.
CHASE SUCKS
This is the worst credit card I have ever owned in my entire life.
Stamps.com Sucks.

The filthy Chase demons just shafted us for 29.99% - After having never missed a single payment. Actually, they had done this to us before, and we dropped them. We thought we were rid of them but it turns out they purchased our bank and are at it again. They are vile creatures, and the Chase rep who had the nerve to spout his lies here is a tool for the DEVIL. A fork tongued Damian, with a wretched, empty soul. May your company’s policy makers fall into the abyss of eternal damnation!

Yeah, Chase sucks!!! I got a Chase credit card 4 years ago, not used it oftenly. And I close the account since I found another card with better service, bonus and stuff. But since last year, one debt collector kept sending me mails saying that I own about $600 to that chase account. It’s really ridiculous. I never got any statement from Chase credit card about that balance. And I called Chase credit card, they were very rude and didn’t want to provide any further info on this, just kept saying that I need to deal this issue with the debt collector. I am very disappointed about the service from Chase credit card. Their service and attitutde is even worse than the debt collector. I canceled the Amazon credit card (originally BankOne, but Bankone had been purchased by Chase) although I love shopping at Amazon. I just don’t understand why Amazon wants Chase to take care of their credit card business. I talked to several co-workers and friends, they all agree that Chase is not a good company with good people. They are always there preparing to mislead you or trick you or even lie to you in order to get your money out of your wallet. Now I google “Chase sucks”, find this place, and realize that there are more and more people just think that Chase is not a good bank/credit card company to provide service to good people. I am glad I am here and share my experience with all the people. Yeah, Chase really sucks!

I had the same thing go on with Chase and their online payments. Zapped me with TWO fees of 35 & 39 dollars…one failed transaction one and for then being late because they don’t notify you until you are late! Now they took away my LOW interest rate that I had to get for a FEE in the first place! I’m done with them

Oooh….thanks everyone for posting! I was just about to enroll in their card, but since I see that people are getting rates raised on them arbitrarily with no good reason….I will clearly NOT accept their offer.

Yes, Chase bites the big one! For two good reasons that I can say:

1) I had an account with Bank One for years and my payment was always around the 15th of the month. Chase decided to push the due date up a week, but I continued to pay off my balance monthly without occurring fees. When that didn’t work, the bastards pushed up my due date to the first of the month, obviously in an attempt to trip me up so I wouldn’t be able to pay off the balance in time (or would keep forgetting after years of it being due later in the month). I called and bitched. They adjusted the due date to where it once was (around mid month) but the explanation was amazing. Unbelievably, I was told that since I was “a good customer” they had the right to push up my due date.

2) Last month I tried to buy a $900 item from the internet. I have a huge credit limit (well into the 5 figures) and always pay off my balance. Chase did not allow the transaction to go through, and my order was cancelled from the vendor. I called Chase and they told me that the “fraud department was looking into an unusual purchase on the internet”. So I tell them that the purchase was made by me, and verify everything, and clear up that my card (which was NOT reported stolen) was in fact, not stolen. The guy says “go ahead and place your order with the vendor again, everything is fine”. So I place the $900 order again. AGAIN the dumb asses in the fraud department do not allow my transaction to go through! Now I am irate. I call the fraud department and cuss the dumb asses out. I have to give all kinds of verifications over the phone that I am who I say who I am (for security reasons) just so they will (”as a courtesy to you”) give me some kind of security clearance just so I can spend my own damn money! I literally spent about an hour of time with these knuckleheads and reordering, when all I was trying to do should have taken five minutes in the first place. Basically, I had to beg the retards to allow me to spend my own money! It’s obvious that Chase was not trying to protect me, as they claimed, but themselves! They SUCK SUCK SUCK SUCK!

AND THIS IS HOW THEY TREAT “GOOD CUSTOMERS”???! Well they can go to hell, I’ve gotten another credit card and it won’t be long until I cancel these bastards!

You know why they are called Chase? Because they chase away good customers!

From another Chase hater! I would love to know the **REAL** story behind Chase. First of all, I had two of their credit cards and LOVED them. They were by far THE best.
I also had two cards from Bank One. They were great. Until one day when I was over 30 days with a department store credit card. Just a lot going on in my life and it didn’t get paid. Then I paid it in full but it went down as over 30 days. Bank One raises my interest on both of the cards to 19.9% invoking the “Universial Default”. Never mind one card I had for 20 years. I was happy with the merger because I loved Chase so. Merger happened and CHASE upped my rate to 29.9% invoking the same Universal Default that by now was one year after the 30 days past payment. I was in the middle of refinancing my house but because my business wasn’t showing much of a profit, this took a while. Fortunately my brother was able to refinance his, lent me the $20,000 to pay off both cards and CHASE CLOSED ONE ACCOUNT AND LOWERED the other to $500 limit. (My Fico score never went lower than 660, at the time Chase did this it was up over 700.) Of course I canceled the other account and the person on the line said, “May I ask why?” I said, “You seem nice, do you really want to hear my rant?” She laughed and said no thank you and that is that.
My other two Chase cards that I had originally have never raised my rates. I have a low interest so I have not paid them off even though now I have the funds to do so because I got my refinance. They will be paid off by May 2007.
I can only assume for some reason Chase legally cannot raise my rates or they surely would have. I will keep the cards (for credit score reasons) but I will NEVER use them for any further charges nor will I EVER DO BUSINESS with Chase again. And apparently Chase could care less.
Carol

I too have been dupped by Chase. I’ve had my card for years, have always been on time. Not only did they hike my interest rate up to 29.99% with no notification or explanation, this month they decided to change my due date to 5 days before what it has been for well over 2 years. So I was late since I have payments scheduled to come out every month in accordance with the due date I requested over 2 years ago. They refuse to waive the outrageous $39 late fee. We are closing the account today and I will never again be a Chase customer.

Yep. E-V-I-L! Bank One card @ 11% became 29.99% when Chase took over (and no notification for whatever that’s worth). High credit rating, no late payments, no over limits on ANY card! I paid the whole balance immediately and will never put money with them in any way, shape or form. Stay away…they may all be bad, but Chase is the worst I have seen.

Same thing happened here. Great credit, no late payments and I’ve had the card for years. Then they magically raise the rate to 29%. Don’t worry though. Companies like this eventually fail. It may take time, but you can’t just piss on your customers like this and expect to survive in the long run. I transferred out my balance to a worthwhile company.

I’ve had a Bank One credit card for about 2 -3 years. Then Chase took over and my APR has been steadily creeping up. Yesterday I got my most recent statement and discovered the rate was raised to 29.99% and the minimum payment doubled (which is fine because it is still an affordable amount). I have never been late with a payment to Chase, never. I usually pay double the minimum balance, but lately it has been the minimum or slightly above the minimum. Although our card balances are a little high right now, all payments are on time, to all creditors. We are fortunate that we’ll soon be getting a small chunk of money that will help us reduce some of debt and ease up the monthly budget. Anyway, I was told that the rate went up because of a “time since most recent account opening is too short” message on my credit report. With the exception of one account, just recently opened, all accounts have been established for years. So what the heck is up with that? The rep reviewed my credit report and the rate was dropped back to 7 something. I told the rep I hoped my call was “being recorded for quality puposes” and then I really spoke my mind. I was polite, but let the rep know exactly what I thought of Chase. I told the rep I understand that he doesn’t set the policy or rates, but it’s a crime what they are doing to hardworking people. He started to lecture me on my debt balance. Now mind you, my rate was not raised because of debt to income ratio, but because of some idiotic “time since most recent” message. He told me the company raised the rate so high in order to recoup money that MAY be lost if I default. He also told me that all the other institutions do this do. I told him, well, no other institution has raised my APR to 29.99% for no legitimate reason!!!! The APR may have gone up ever so slightly on the other cards, but nothing as drastic as this. Even though I have never missed a payment or never been late, they are going to start gouging me for money on the remote possibility that I will default?? So, I thanked the rep for listening to my rant and for reinstating the rate and then explained that as soon as we get the money we are expecting, we will pay off our balance and never, ever, EVER do business with Chase again. I also told him that I would tell all my friends and family and anyone else who will listen to never do business with Chase, ever ! I got the feeling he didn’t care and that attitude comes from the top down!

Anyone who purchases a home and goes to Chase Home Finance (or any lender for that matter) should be aware that the appraiser is being coerced and pressured by loan officers. YOU could be paying too much for that house. As an appraiser myself I can tell you that pressure to “make value” is relentless and it is more subtle than most people think. Some of the lender and loan officers have many years of experience and are very clever at getting their point across without incriminating themselves. About a year ago I called the manager of a Chase Home Finance branch to ask if there was a problem because I had stopped getting orders assigned to me. I wanted to know if there was a problem with service or quality of work. He said “I’d think you would just be happy to be on the approved appraisers list”. I was stunned by his defensiveness so I just said, “Doug, I am happy to be on your appraiser roster, I just wondered why some of the loan officers are telling me they are putting my name on the order but it gets faxed to my sleazy ass competitor (who ALWAYS makes value). Has there been a problem with the quality of my work or level of service?” He became even more indignant saying, “the reason I have always used the other guy for years is because he always give me superlative service and there are never any problems with value”. That is a verbatim what he said to me. This is a guy who is the manager of a large branch of a national lender where most of my business comes from. After my ears stopped ringing from the sudden rise in blood pressure I managed to say “these other loan officers who want to send me their appraisals hire me because I offer superlative service too, but as far as the values go I consider that a property problem rather than an appraisal problem”. After the conversation was over I didn’t know if I was ever going to get any more work from that lender, and I may not have except for that the loan officers and processors, who were always supposed to have their choice of appraisers, started faxing the orders to me themselves instead of sending them back to the processing department where Doug could have them diverted to my competition. All this happened because a few appraisals for that lender came in lower than sales price or estimated value. He was being coercive when he told me he preferred sending business to another appraiser because with him there were never any problems with value.

About a year earlier I had lost the business of the most productive and influential loan officer in that office. I’ll call her “Kelly”, because that’s her real name. Kelly and Doug, what a couple of dirtbags! Anyway, I under-appraised a house on a refinance deal by about $3,000. I remember Kelly calling me and saying “can’t you just take another look and see if there’s anyway we can get a few more thousand out of it?” I said no. She cut me off so quick it made me dizzy. I never saw another one of her appraisals. My work volume was nearly cut in half. Now about six months ago the OCC decided that Chase would have to change its appraisal ordering process. Now a management company would be handling everything. For years I’ve yelled at the top of my lungs to anyone who would listed that having commissioned loan officers and processors in charge of ordering appraisals is a textbook example of a conflict of interest. So this development was literally an answer to my prayers. I was just happy to be on the approved appraisers list. Now the appraisals would be assigned to panel members on a rotating basis. I immediately was starting getting more work. I noticed that quite a few of the appraisal orders were Kathy’s loans. I was pleased that I was getting her business again. Unfortunately, some of my value estimates were less than what she needed.

I have a friend who works there at Chase Home Finance. Well, he’s thinks he’s a friend but it’s more of just a business relationship. I’ve known him for about 15 years and never really liked him because he’s the same way as the others the way they treat appraisers like shit. Mike calls me whenever there’s something going on that might affect me. One time I called Doug,the office manager/loan officer, when my initial research indicated that a value might be less than sales price. I was following the management company’s instructions. He wasn’t there so I talked to his processor and left her the message that after extensive research it did not look like the value estimate was going to be as high as the contract sales price. Mike called me about an hour later and said “I don’t know what you did, but Doug is fuming mad and he’s stomping around here talking about how you always screw everything up.” I got a memo from the management company one day that said not to talk to anyone at the branch about value issues. The memo specifically said “it is unacceptable to have conversations about value issues with the loan officer or processor”. I mentioned this memo to my “friend” Mike and he suggested that I forget that memo, especially when dealing with Kelly the cunt and Doug the dicksucker. I told him that was a big problem since Doug had already blown his top for me even mentioning the possibility of coming in low on an appraisal. He conceded that I was in a no-win situation. He said his solution was “just don’t come in low on any appraisals”. He also said that since the new management company did not allow the loan officers to provide the appraiser with a value estimate (target value) on the orders for refinances that I should just call the loan officer or processor and find out what the target value was. Kelly’s processor told me on the phone one day that she would have to start sending me the target value by email since the management company’s system wouldn’t allow it on the order. Mike called me again one day to tell me that Kelly and her main processor were upset about my appraisals. He said they had been throwing my name around the office along with unpleasant epithets as a result of a value estimate. Kelly’s processor called me one day about a low value on a refi and said “ we realize you didn’t know that the value was supposed to be $xxxxx because it’s not on the appraisal request anymore, so can you just change the appraisal to show the correct value? In the future we’re just going to have to send you the value by email so you’ll know what to appraise it for.” After my ears stopped ringing I calmly tried to explain to her that she had it all backwards. I said “I am the one who tells you what the value is. That’s what we’re trying to find out; what the value is. And she honestly acted like she had a hard time understanding what I was talking about. Eventually she just said “I’ll talk to Kelly about this”. Right after that was when Mike called me again. He said “I don’t know what your problem is but Kelly is stomping around here talking about how much problems you cause. I told him about the conversation. He said “let me give you some advice. If you develop a bad attitude and start getting defensive with Kelly she’s going to petition to have you removed from our approved appraisers list”. That got my attention. Before she had only withheld her own appraisal orders from me. Now she was going to try to have me completely removed from Chase’s approved appraiser list. I have no doubt that she has tried to have me removed. So far I’m still doing work for the branch via the management company; however, I don’t get assignments on her loans anymore. Twice within the past week I got an order through the management company’s system that had Kelly’s name on it. Within an hour of getting the assignment it is cancelled by her processor.

It doesn’t matter what system is put in place. They have their ways of controlling who gets the work. They get their message across by going through “back channels”. It’s an old technique of applying pressure, getting the message across while being insulated from delivering it. By having Mike call me as if he were just reporting a rumor, Kelly let me know that my low appraised values were going to cost me without being directly involved in coercion.

My point in all this is that lender pressure is not what most people think. Most people think a lender comes right out and says “ If you don’t make value you won’t get any more business from me”. They do say that, but they don’t just come right out with it. Many lenders don’t feel that they’re pressuring the appraiser at all. But it’s just understood by the appraiser that when a client is not happy, for any reason, they will seek another appraiser. With the conflict of interest built into the system the way it is now, it’s only natural that appraisers actually pressure themselves with the knowledge that a lender can use or not use any appraiser they want for any reason they want. Until such time as appraisals are ordered by those who want and need only honest and objective opinions that pressure will continue to erode the profession. And as I have illustrated, the management company solution will not be a solution until the lender has no control over the creation and maintenance of the appraiser roster itself.

I’ve lost plenty of money over value issues. Don’t be a sucker and think the appraiser is being objective. Very few of them have the balls to call them as they see them and fewer still have the balls to stand up to these bullies and do what’s right regardless of the monetary impact. Insist on hiring your own appraiser and when you do be sure and tell them you are insisting on a straight up objective and honest opinion of the property. Also, remember that Chase SUCKS !

Hello, I’m looking for people that have or had a mortage or equity line of credit through Bank one now Chase bank and have or had paid for a lock option for a fixed interest rate and who are being billed a variable rate instead of there fixed rate. I recently found out that Bank one nor Chase is honoring there contracts if you have one of these with all your disclosure statements and your monthly statemetns showing that you are not being billed the flat rate you paid for please contact me at my email or leave a note here.

Chase has apparently been on a roll raising credit card interest rates from 10% APR to over 30% without any justification save a reference to credit bureau information that turns out to be essentially unchanged for a long time. I have long followed the admonition above from “Chase Rep” (?!) to read change-of-terms notices, so closed my account right away. I also find it notable that Chase’s raise-it-to-the roof strategy seems to have coincided with its friendly buyout of Bank One. Methinks that Chase should get out of retail banking altogether if it cannot play the game equitably. Interestingly, my wife gets “pre-approved” offers from Chase nearly once a week. They’re all immediately shredded.

Yes, Chase is evil. I recently got shafted by them big time on account of a mistake one of their own employees made, and they refuse to do anything about it. My interest rate shot up from 9% to 27% after missing a payment on $12 left in the account after thinking I had payed off the account. I didn’t find out about this until I used one of their 0% intrest for six month checks to pay off a $7000 medical bill, then starting getting hit with 27% on $7000! They told me on the phone they would transfer the $7000 to another Chase card I had with an 8% rate. A month later, the $7000 is still there with another freakin $170 of interest added on top of it. I call back and they tell me they can’t transfer money from one Chase card to another. Is that my fault one of THEIR employees doesn’t know the rules? I would have just paid the damn card off in full if I would have known I’d get hit with another month of 27% interest. They refused to drop the rate or do anything about the $200 I lost because one of their own mistake! Definitely stay away from any product or service this unethical company offers!

chase really sucks, they increased my credit card interest rate to 29.99% from 12.5 because I was a week late one month after being on time for over a year. The worst part is that they did the same to my father after he maxed out his credit card. The sorry excuse was that they sent out a letter, which they never did, telling us that we either cancel the card and keep the interst or agree to the increase. For two month we paid them too much interest and have then transferred our business elsewhere. The worst part, is that I have been an employee for over five years. Talk about employee appreciation.

I totally understand where you all are comming from, trust me! I work for Chase and I dedicated YEARS of my life being a customer service rep with Bank One/Chase. They treat thier employees just as bad as customers are treated. They will also fire us as fast as they’ll hike your interest rate up, really. I could go on and on about the shit that they pull but it just gets me pissed! To the guy who had to go on and on for 15 min to get a fee waived, to let you know WE CANNOT OFFER A CUSTOMER A FEE WAIVER…The customer has to ask us. Believe me, as a rep I never want to argue with anyone, it’s not worth my time and quite frankly I dont want to get in trouble for offering a fee waiver. I could write a book on just my experience with being a chase employee…it’s scary!

oh ya, and another thing….Im at 29.99% as a FUCKING EMPLOYEE!!!!!!