JPMorgan Chase
Reviews and Complaints

Unfortunately, we live in a time where we encouraged to live off credit cards. My advice is to stay away from credit cards and debit cards. I thought the purpose of these cards were to make customers life easier. Did you notice how we are constantly lured to use Debit and Credit cards for all our purchases through ads on TV? I am a business owner myself, 95% of my business sales is on credit cards. And of that 95%, I have to give back 5% to the credit card processing company through fees. I don't think customers are aware of that. Its no wonder companies are going belly up. We do the work, someone else shares in the profits. What gives them the right? Since the economic crisis I encourage my customers to pay me in cash now, not only does it bring me savings, it lets me pass the savings onto them. God knows we all need help right now. I'd rather give the money to people who really need it. And not these money hungry companies like Chase, who absolutely does nothing for customers. If you want to manage your money better, I say you pay off your credit cards and rely less on debt. Pay for things cash. If you don't have it, don't spend it.

I don't mean to burst your bubble, but unfortunately all credit card companies utilize the same unethical policies that Chase does. This includes Bank of America, Advanta, Citibank, First Equity, Fifth Third, etc. They took our FIXED RATE CARD from 7.99% to 16.99% after several years of excellent payment history. If you read the fine print, they basically can do whatever they want. The unfortunate thing is, even if it's not in the fine print they can still do whatever they want. I understand being in business to make money (as a business owner myself) but these banks are out of control and need to be stopped.

This looks like Chase's common business pratice. I did get a letter saying that they had closed my account due to "too few accounts paid as agreed". I went into panic mode thinking my identity had been stolen and pulled my Esperian credit report. The report showed 24 accounts in my nine year history, all paid as agreed. My credit score had actually increased 20 points over the previous month.

I thought it was a mistake so I called Chase and the anti-christ of customer service told me that no, it wasn't a mistake...your account has been closed for the reason shown in the letter. I advised him that I had checked my credit report and there were no accounts "not paid as agreed" and he said that "wasn't what they meant". I asked what exactly did they mean and he couldn't answer it so he just said your account is closed because that's what we want to do.

I asked him about the $25 billion dollars in public bailout money they took that was supposed to help them extend credit and he said "we've paid that money back so we can do whatever we want to now". So much for their integrity.

Since your credit score is tied to your rates on other cards, your car insurance premiums, home owners premiums, ability to get decent rates on any type of finanacing and even your ability to get a job, I would have to say that Chase has caused irreputable damage to each and every customer that's had their account closed for no reason. Since it looks like it's thousands of accounts, if you lumped the damages together, I'm certain it would be in the ten's of millions of dollars. Chase should be held accountable.

I know for a fact that I'm going to take a hit on my credit score just because they closed this account, even though it was in good standing. I won't know how bad until next month so until then I'll just be stressed over it. Does that amount to pain and suffering? How much is that worth?

I'm not a lawyer, but I'm pissed and those are my thoughts. I hope a good law firm does take this on and gets us some justice.

chase has done nothing but screw me for the past year. Last fall I got slow at work and had to use 2 of my chase cards, only using about 45% on both of them. Well now they are halfway paid off and now they upped the apr and are trying to close the one account on me

I just had a similar experience where Chase closed my account without notifying me & I only found out when I went to make a purchase with the card. The customer service rep was useless and curt, cutting me off when I went to interject about not being notified and how that's unfair!

The same thing happened to me. I have never been late with payments. They sent me promo checks with low interest told me to use before Sept. 30. I used the check and got a letter after the fact that they couldn't honor it because they just reduced my credit limit.

I too had $2, 500 available on a $12, 800 credit line, which I was encouraged to use to pay off other cards.

I had unexpected expenses that drew my checking account down. On 08/14/09, I called Chase to see about getting a $800 transfer check to my checking account to tide me over until payday 08/26/09, I was told that I could not make a transfer to my checking account, it had to go to a credit card. I then asked them to transfer $800.00 to pay a credit card payment, which was due on 08/24/09. I was told that it would take 5-7 days for the transfer to be processed. I was also told the transfer could not be canceled. I asked if the transfer was accepted and they said yes, but it has to be reviewed and I will be notified by mail if it is declined. Great, now I have a transfer that has been submitted, but I don't know if it is actually approved and it can't be canceled. I called again on 08/21/09 to confirm that there was not any problems and the transfer was being processed. I was reassured that everything was okay the transfer was being processed. On 08/22/09, I received a letter in the mail stating that my transfer had been declined and my credit line reduced by $2, 200.00, because I was close to my credit limit. To me it wasn't close to the credit limit, but now it sure is. Now it is too late for me to make any other arrangements until 08/26/09, and I will now get a late charge for not making my payment due on 08/24/09 with the other card company.

CHASE Sucks!

I know of a company that can settle this debt down to about half of what you currently owe. Send me an email to debtrelief@rocketmail.com

WE ARE DOING A DOCUMENTARY ABOUT ALL OF THE PEOPLE WHO HAVE HAD BAD EXPERIENCES WITH WAMU/CHASE BANK- IF YOU ARE INTERESTED IN BEING A PART OF IT
PLEASE CONTACT ME AT
minmoore33@gmail.com
thanks!

i have a chase accnt and when i first got it i had put overdraft coverage whichmeans i cannot borrow money from the bank whatsoever!well when i got my income on one of my transactions i got deducted 29.35 from who knows where! well i talked to one of the chase reps and they told me that the bank still loans you money even if you have that so called protection!so i am just going to pay them and close my accnts for that reason i dnt need a bank to lend me money if i dont have it just so that they can make themselves money somehow!

This is to the attention of every one involved with chase . I would appreciate if some one let me know how one can take action against chase. My brother deposited $4000, my commission to my business account in chase. I have been here for 3 months here and finished all my money and this money was supposed to get my ticket and the rent I owed. When he was in the process of depositing all they told him that I owe 100$ to bank and after they take out this money they will deposite the rest of money in 3 working days. After 3 working days I checked my account and got the message " Please contact your bank. I called the bank and they told me that because I owed 100 dollars for 3 months they closed my account and will send a cashier cheque to my address that will reach around 7 days. I called bank and explained them that when they accept to deposite the money they are rsponsible, but all they did was to send me from one dept to other. Now I am stuck here without money and Have no idea what to do

Best Regards

Bahman Mashood

The only way we are going to win this battle, is to join together. with enough people in our group one of them thief's in Washington will listen.
The banks are out of control. it all about the money

Someone gets rich off of, someone getting poor

I had a Washington Mutual Account while living in Seattle that was overdrawn and which I listed on my bankruptcy petition in 2008. The WaMu debt was DISCHARGED in 2009 (meaning, I had no obligation to that debt). NOW, over a year and a half later, Chase has decided to send out a "fraudulent activity" notice to my bank in Indianapolis because of the WaMu debt. My bank (not Chase!) in turn put a hold on my accounts and is going to close them. They committed a fraud against me, yet they have put me in a most unfortunate position by doing this, illegally and may now lose my home.

Ha! I got a call yesterday from the chase banker from my message above on the building loan.
He now works for CitiBank in San Francisco!

Right now we are waiting for some city re-zoning paperwork before they sign the actual Citibank loan for the building we take possession of in June.
Once I have the information once a year I want to buy a bottle of champagne, pour a glass and post a message here stating how much interest our company paid Citibank in the last year on the multi-million dollar loan.
It will feel good to know that I had something to do with them not getting the money and give me reason to celebrate their loss!

I hope we someday CHASE Chase bank out of town

We the middle class are nothing but rats for the upper class to feed on. Until we stand together and demand change to the thief that run this County it will only get worst. Our children will have it even harder to live.

[censor], Chase canceled our WAMU credit cards even though we paid off every month like clockwork, without notice or consideration of our many good years' experience with WAMU. Chase the absolute bottom of the list, a position they share with BOA constrictor bank. They canceled on people who were out to dinner...in France, and other situations equally as bad. No problem in our case, I learned by trying to buy a trinket on the net. Their stupid, customer unfriendly letter arrived days later. They're just beautiful, and we're only waiting to make arrangements to switch everything out of there to Wells Fargo; I know, they're all about as bad...but none as bad as Chase and their little counterpart BOA.

Tony & Lynda Ruiz
[protected]

Can the Moderator of this board please fix the '' and replace them with Apostrophes, like I typed?
This did not... (I was going to type did+Apostrophe+t, but choose not to)...type it that way and it looked normal until it posted.

Like so many others, I have also been affected by the predatory practices of Chase Bank.
Like everyone else here, there was absolutely nothing I could do but watch Chase Bank destroy the credit I spent 35+ years building.

But, I did find a way to get a small victory.

I am an officer at a mid-sized, growing corporation in Silicon Valley.
I don't own the company or very much of the stock, but they do listen to my advise in financial matters.

Our company recently decided to expand and purchase a multi-million dollar building (fortunately, we are doing well in this down economy).
There were two banks vying for the business, Chase and CitiBank. (I know, Citi is not much better than Chase, but they are better.)
The Chase reps took us to lunches, a couple of Baseball Games (even a SF Giants playoff), and a Warriors Game in a Luxury Suite!... all goodies that THEY offered, we NEVER asked for anything.
Never once did I say I was even considering endorsing Chase Bank.

On the decision day I got to stare the local SFO Chase Bank VP from across my desk and say (in basic terms) ''SCREW YOU AND THE BANK YOU WORK FOR!''

Afterwards I was called into the CEO's office and asked what that was all about.
I told him my Chase Horror Story and he just said ''Oh, that make sense''.
.
.
They signed the paperwork with Citi and we move next June. :)

I to was contacted by Chase Auto today and I was only 10 days late on my care payment. A Victoria Umeri in the collection office in Arizona told me if I did not pay by October 23rd they were going to repo my car. I am a 61 year old female on social security. I tried to explain that I could not pay until I got my social security check this month and she said that was not exceptible. I filed a complaint with her supervisor and they are currently looking into my complaint and will get back with me regarding the outcome. They advised me that she does not have the right to threaten repocession. I don't want to see her fired, but I do want her to be repremended so she does not do this to someone else. I do not suggest Chase Auto to anyone who is looking for a finance company. I have a wonderful friend who gave me the money to pay them off today! When I went to a Chase bank to pay off my car loan, they even gave the bank representative a hard time was really nasty to her. Please do not do any business with Case Auto or you will regret it later.

Linda
Cape Coral Florida

well - its time to try suing

I have to give you an earful of what really happens from my standpoint.

I filed with Chase in July 2009 - not long after I was laid off. I had been in my home 3 years at that point - bought just as the market was at it's highest in 2006. I bought at 6.5% and had a bit more than 5 % down. The house had declined in value some (not like the person above) from about 264 to 229...so i was only negative equity about 8.5k.

I had my personal banker at Chase help me with all the paperwork - it took us hours and I was appreciative. About a month or so later - I received the terms - and the four trail payment dates (the first of Sept, Oct, Nov and Dec). I made each payment on time - or a day or two ahead.

Within a few weeks - as the person above described - I kept getting phone messages and mail that material was not sent in properly - although it was certified by the personal banker. I did the paperwork all over again - plus added all the material they asked for (they not only wanted the 4506T but then asked for me and my wifes entire tax return (which was over 70 pages). I faxed that all in the first week of November (we filed our taxes on Oct 15). It cost me 1 dollar per page - so the entire form was about 90 dollars.

I received calls at both my residence and cell phone daily (usually two calls a day - some days just one) during the rest of november and december - putting me on hold - as they then got back on the line - to tell me everything was "just perfect" - and I should hear something soon.

Between Christmas and New Years - I had called several times to see if I could get an answer - as the trial period was ending. They had no info.

Finally - 2 days before the New Year - I receive a phone call that says all of my information is now "outdated" - and i need to send it in again. As my wife was self employed - i needed to also have a CPA send in a certified P&L statement. In the meantime - keep making the trial payments. No problem.

I sent in all the info again. More money to fax.

Soon i received the daily calls again - for a few days all was ok. Then - someone comes back and says - "you need to sign your hardship affidavit form" - - to which i reply - "there's no place for a signature" - which he then said - "you're underwriter - kristina gordon - requests it - even tho there is no place for it."

I then FAX ANOTHER copy in again. However, I just signed the paper i faxed in about a week earlier. Apparently - that was wrong. I received a call Jan 19 - ish to tell me that the form i signed and faxed and the date that i signed and dated were not matched. I was told "I need to download a clean copy and then re-write it - and make sure I sign it and make sure the fax date and the signature on my hardship letter matched."

"BLEEEEP!"

So i re-wrote the entire hardship letter - four pages front and back - and re-faxed it. More money for the accountant. This time - I went back to Chase - who offered to go through the materials and fax it themselves - which they did. Certified.

In the meantime - at the end of Jan - I go back to my personal banker and tell her the story. The manager comes in and listens. I tell him i hear of stories about Chase giving people the runaround - as I had researched - and he says (I swear) - in a mumbled tone "I would get a lawyer if i were you."

I came out to the car and told my wife - we decided that would be overkill - and it's all just a formality.

In the meantime - I keep making the payments - and I received my two daily calls telling me all was just fine. At the end of Feb - I was told the underwriter had reviewed and written the information - and that the material had gone to a supervisor - and I would get my offer soon.

OH BOY.

After March 1st - I was called - expecting the usual chit chat - only to be informed my information was now outdated - and I needed to send it all in again. Plus a new P&L...it was tax season - and I had to pay an accountant to do that. And re-fax. Hundreds more spent.

I went to Chase - sat down with the manager who told me to get the lawyer - - I was pretty upset - - and I asked him flat out - "am i being taken?" He assured me no - this time - and said if i was patient - it would all work out in my favor.

By April the first - all the info was back in - and accounted for. I received sporadic calls this time - about every 3 days - - but each person assured me that all was good. I exasperatedly told that people on the phone that "last Feb the underwriter was finished - and an offer was forthcoming - why was it taking so long?". Never got a straight answer. Just a few days ago - i was called - and he said again - "you are perfect - and an offer will be made within two weeks." HOWEVER, I received a letter today stating that I was denied because "repeated requests for proper documentation were not met".

Ridiculous. I never missed a payment - even tho it started in September - and now its a day before June - in fact I was early. I sent in HUNDREDS of pages of documentation - alot of the work performed and proofed by Chase bankers - got yanked around by stupid requests (sign the back even tho there is no place for it - etc) only to be denied. I made it my business to make sure i answered every call - sometimes they came within minutes of each other (on each phone) for months - and this is what i get?

So - now i have this lovely paper trail - an electronic list of each call i received from chase - and now it's time to do exactly what the chase manager suggested. I am getting a lawyer - and I am suing. This process is NOT for the workers. It is NOT to help Americans out. It's to string us along until they have a reason (valid 0r make believe) to not adjust the mortgages - keep the money they've been given - and take our properties.

I tried to call today - when i received the letter - but the offices are all closed til Tuesday for the holiday. Oh well - I guess I will just use this time to document all this crap and get everything ready for the lawyer. I will go to chase tuesday and pull all my accounts.

And yes - the last phone call to tell me "everything was perfect" came after the date the letter was stamped and mailed.

Completely agree. Since going into short sale with Chase in second position, they have consistently violated the fair debt collection act leaving a consistent 3 messages per day at work and home numbers. The first mortgage holder was notified as per law and desisted in the daily calls. Chase refuses to do so, even though they have the sale paperwork.

They purchased the mortgage and unrequested by me. When the loan was set up, it was through two independent loan brokers with reasonable terms. Chase "purchased" the paper and everything has been nasty and harassing ever since. And screw any trolls on this list who state what right so and so has to reclaim "their" property. When legal due process has been followed by a homeowner, Chase Mortgage Bank has to legally follow suit. They are lawbreakers.

We have 3 credit cards from chase bank. We have never been late on any payments. Our FICO scores are in the high 700's. Yet in the past 6 months, chase bank has increased the interest rate on all cards and now lowered the credit limit on all the cards.

I heard chase bank made a profit of over 5 billion DOLLARS last year, still they gouge people.

This is my complaint for all to see.

We have 3 credit cards from chase bank.

We have never been late on any payments. Our FICO scores are in the high 700's.

Yet in the past 6 months, chase bank has increased the interest rate on all cards and now lowered the credit limit on all the cards.

I heard chase bank made a profit of over 5 billion dollars last year, still they gouge people.

This is my complaint for all to see.

EF Tours put $7,770. on my Chase credit card for airline tickets when they said they were changing the tickets. Chase refused to make it right. Do not believe any credit cards that tell you they honor an unauthorized charge. Chase personal were extremely rude, each one I spoke with.

I have started a petition to have Usury made illegal. Will you help me please?

Vote Here: https://secure.avaaz.org/en/petition/Outlaw_Usury/share/

All of the big banks are reaping record profits by gouging the average consumer in any number of ways. In addition, the big banks will not lend to smaller banks and small businesses If everyone moved all of their banking business to honest and smaller regional or local banks, and quit using (and paying) their big bank creadit cards maybe that will finally send a message to the big banks. The Government is certainly not going to do anything about it.

I had the same thing happen. Chase closed my account as well without notice after I just made a payment of $1500 the two days prior. Just like that I lost 34, 500 rewards points almost a $700 value and they wont give me an answer why! Terrible company!

chase up and cancelled my card just recently and I also lost my reward points. Yes, Chase can be considered a bad company to work with. I will never do business with again. I never was late on my payments and I always paid my balance in full. Never a carryover. And they up and cancelled my account without warning. I tried to use my rewards and found out I couldnt.. Chase is a bad bad company... Boo...

You said they closed the account but in the end you say you closed the account?!?!?!?!? Banks don't close accounts for lack of use unless it has been several years with no activity. If your accoutn was negative for a set period of time they have every right to close it. The non customr fees are common in a lot of banks now a days if you don't want to pay it cash it AT YOUR OWN BANK!

WE ARE DOING A DOCUMENTARY ABOUT WAMU/CHASE CUSTOMERS WHO HAVE BEEN MISTREATED BY THE BANK.
IF YOU ARE INTERESTED IN BEING A PART OF THIS, PLEASE CONTACT ME @
minmoore33@gmail.com
Thanks

The charge for a Non-Customer to cash a check at the bank it was drawn on is very common among all major banks. Just go to any other bank and ask, you will find that this fee actually varies and can be anywhere from $5-$10.

So be sure that before you open your next account you ask them what their policy is.

I am having similiar problems. This company inconvienently does not have automatic payments - you have to use your bank payment option or go in every month and schedule the payment. I had one similiar problem where I was on vacation and my payment didn't go through. I called and payed immediately and also paid the late fee, thinking I wouldn't have to deal with it later. Well the late fee didn't post until the next month and my payment did not count towards it. Since the date on my paper statement was one date later than the phonecall I made, I assumed (incorrectly) that the system hadn't caught up yet. Long story short, this misunderstanding snowballed and I was charged more fees. I called several times to try to sort the situation out and received no help. They refused to refund any fees and I just ended up paying the balance so I didn't have to deal with them anymore. Poor costumer service! I won't use them again, that's for sure.

I also got snookered here with faulty language. They state on their documentation that the 'promotional period' ends on (in my case) 11.4.10 and on the same document state a 'due date'(my regular monthly payment date). Now I'm a reasonable person and when I see 'due date' and 'promotional period end date' guess when I think the payment is due? Long story short I paid the entire load off by the 'due date' and a full 11 days after my loan was paid in full I receive a statement saying I owe the back interest. This is compete BS and calling is a joke, they are rude and offensive. I have just complained to the BBB but I bet nothing comes of it because they are accredited with the BBB and that just means they paid the BBBs extortion fee's for the A+ rating.

I am also having bad experiences with this company. I was late on payments due to unforeseen circumstances. I made a check by phone where they charged me an NSF fee but never attempted to take the money from the account as I would have seen the attempt on my bank statement. They charged me a $45 late fee that I had to talk until I was blue in the face for them to understand the situation and take it off. I still don't have written confirmation that they took the charge off. They claimed that they added an extra zero when transcribing my account number but based on the previous testimony, I'm wondering if they had the right information all along.

Part 2 of this testimonial is that I had organized a work-out plan where I made the payment and paid the amount that I needed to be current...according to the last rep. What they didn't tell me is that this "work-out" plan had to be approved. They claim that it took over a month to do so and therefore didn't deem my agreed payment as being a full payment. Thus, they charged me a late fee even though I paid on time as agreed.

It seems that this company is all about the fees. I also believe that this company employs tactics that are unethical in order to obtain as many fees as they can. Their reps are not interested in listening. They talk over you when you try to explain the situation and don't acknowledge that you've said anything when it doesn't favor their position.

In reference to Anna88 (09/23/09) please file complaints against Chase Health Advance with:

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX [protected]
[protected] (Fax)

Every "zero intrest fo X months" works in that manner. You have to be sure that you pay them on time and 5 days early. Its never a bad idea to be just one payment ahead. If you are in the position to make double payments then you need to mail them in seperate envelopes. This way you are definately not going to be one or two days late, you will instead be thirty days early. Problem solved. If you are not in the position to make more then the minimum payment stay away from these plans. They are structured to have a remaining balance at the end of the cycle. How do you think they make their money when they loan it out for free. Bill pay is the smartest way to mail out bill with these companies. Leaves a paper trail that cant be argued with. Just send them out sooner. Chris N

I received a call conveniently after the payment due date to ask me why I have not made a payment? When I stated that I had, the rep went on to inform me that the payment was return Insufficient funds. When I explained that could not be I received a confirmation, she then explained that there has been a lot of people that have keyed in the incorrect routining or account numbers and this might be the case. When I asked why I wasn't contacted sooner, she had no answer. Now they want to stick me with a $39 late fee, and a $29 return fee. I then asked well which is it? Is it a Insufficient funds or error in the system? The Rep stated she did not know! So you want me pay a fees but can't prove to me that it was my error. Did we bail this company out? I have not had one good experience with this company.

### just got me for $800 for 3 day late payment.
is this legal what happens if i don't pay

Check around on the web. Chase's arbitration clauses may turn out to be illegal or unenforceable as a practical matter. Search for articles from July 2009 about the National Arbitration Forum and you'll see what I mean. So they are gonna have a hard time trying to collect these debts.

Watch out and read any papers they send you in case they figure out how to get an arbitration going.

If they can't get an arbitration going, they will have to hire lawyers and sue. Then you file an answer to the lawsuit which is a piece of paper saying you don't think you owe the money and the claim is fraudulent (I'm not a lawyer but I talked to one). Then it's up to them to prove the claim and the judge won't rule in their favor unless they prove the claim.

They can't take your house or stuff unless they prove the claim and get a judgment. They might be able to take money in your banking account if you bank with chase, so move your bank account to a completely different bank.

Good luck and keep me posted on how Chase reacts when you stop paying the bill, because I'm seriously considering just not paying them. I can't afford the 5% payments and if they don't stick to their side of the agreement, I don't see why I have to keep my side of the agreement.

Call them - ask for a supervisor - ask for their supervisor - ask for the mnager -

I eventually got to a person who closed my account and reduced my interest to 2% .

this actually reduces my monthly payment and will pay off my card sooner.

This was my experience.

the first two people just told me that there was nothing I could do and suggested I talk to a credit counseler

Don't take no for an answer

good luck

I've been with Chase for over 15 years. I too received notice that the minimum payment would now be 5% of the balance which basically more than doubles my monthly payment. And I was told that if one continues to pay the monthly payment that they were paying before the increase, they would have late fees and all sorts of other fees added to their balance. So it looks like Chase would rather have people default on their payments rather than accept a payment and move on! Looks like starting Sept 1st, I'll be saving my monthly payment and defaulting on the loan! Kinda dumb on their part since credit cards are unsecured debt that will be written off in a bankruptcy filing!

Please, remove it from credit Bureau
Thanks!

Write the Federal Trade Commision at their website and file a complaint against Chase. I was told, as many people were, that we were sent a letter in advance of this 250% increase. There were no letters sent, as there were no opt outs. Chase is clearly trying to skirt the new Credt Act that includes just these two requirements or they can be charged federally.

So complain long and loud. Let everyone know what JP Morgan Chase is doing. The company that took 25 Million of our tax payer dollars to be "bailed out".

Congressmen and Senators should also be notified.

I agree what they are doing is criminal. They are trying to hobble users that have had an excellent history of payment and low interest deals that they provided... My minimum payment was 2.5 times what it had been in the past. They tried to goat me into taking a deal where they can after 2011 jack up interest rates to some thing like 25% AND they keep dropping my limit, so it looks like I am at my limit...

We got hit too. Loan for school went up from $320 a month to $650... Loan for car went from $180 to $448. I will never trust Chase with another loan again as long as I live. When I called them to complain I was offered terms at 4% higher than I am paying now. Basically, they are using pressure tactics to get folks into higher interest rate loans. I'm not buying. We have had some huge medical bills lately and are selling our house. When the house sells, Chase gets paid off and I will NEVER do business with them again. The pirates. Taking advantage of people in this economy is immoral. Another former loyal Chase customer. Never late, always paid more than minimum. Now screwed.

I have never been late with a payment.. but I was slammed with double the minimum which I can not afford. They want you to miss a payment and get the fees and late charges. It should be illigal. Maybe it is - I wrote two letters and forwarded to Obama. Doing this to their loyal customers who have made payments on time and give them business is Horrible. Nothing like screwing over the working poor. (again)

CHASE TRIES TO STEAL WEBSITE: Please read The article @http://www.free-press-release.com/news/200901/1231777439.html#comments

This comment was posted at banktime.com and sent me into a tizzy!

I let’em have it!

“The cardholders affected by the new minimums will be those considered “high risk, ” who have been less than diligent about paying their account scrupulously in the past…”

I also was hit with this extortion! Check out the blogs at credit.about.com...There is some interesting stuff going on here. Also check out changeinterms.com...

I have been trying unsuccessfully to get the $39.99 late fee removed from my account and I have had similar experiences to everyone else whose complaints I've read. This is ridiculous. I will now write to Mr. Hanick at his home address, fully aware that I will not receive a response.
I'd like to hear about the experiences of those who tried writing to Kally Hanick at his home.
Thanks.

Not sure what you're complaining about. You have no proof what you paid for it, and you refuse a replacement? So they gave you 60% back for a used lamp...I think that's pretty good. Shop around, most stores won't even help without proof of purchase.

Yo i totally disagree wit yall
De otha day i was hangin around in pottery barn browsin thru dey baf saltz n i saw ma dude kelly hanick wit some biddie and he was on top of his ### son— got him some butiful ### thro pillowz 4 his guest bedroom
Hes also gud at bankin n ###
And customa servis vp-ing n whatnot

I think u guyz is bein 2 tuf on ma boi kelly he iz da best customer service senyuh vp i eva had to do bidness wit
Yallz trippin hard

I have read the comments and complaints about Chase Bank. I am an ex employee from the credit card department. I only read one comment that I agree with. The one that says use cash. Most people forget that when you use your credit card you are agreeing to a contract that says you get to borrow money, and that like any other loan (that is what using your credit card is), there are conditions you must follow, or there are penalties. If there was a problem with your auto pay that is not the banks fault, if you select the wrong payment method online (it clearly shows which payment you have chosen online) that is not the banks fault. I used to take these calls, and supervise people that took these calls. When you have a credit card it costs the bank money to manage that account, and they are a for profit company. If you don't like the outcome of your error, you have a couple of real choices, live with it and pay the penalties, or pay off your account, and don't continue to use them. My advice is if you do borrow money in any form or fashion, read the small print to see all terms and conditions.

I paid my cc bill with chase bank 10 minutes late last month because the internet was down due to a storm and they hit me with a 25.00 late fee! For 10 minutes.. I wrote the time and trasaction number just for the reason that i knew it was close and when i called chase jp morgan or chase manhattan whatever name they are going by these days i was told to bad - period.. You paid after 5:00 so to bad for you they have cost themselves another customer - i actually would never ever take credit for chase - but wamu sold to them and my account was transfered.. They have on more then one occasion stolen my money and the customer service reps are rude and nasty - how is it that this bank is still in business? How can it be legal for them to charge me 25.00 late fee for 10 minutes - mr obama you have done nothing to protect the consumer.. This is outrageous.. Make some changes that matter.. Like stopping chase from stealing my money

Chase...Welcome to California!...Now please go home!

People are stupid and Customers suck, blaming other people for your problems is lame. I've got an idea: don't be late and don't go over your limit, if you do, you deserve what you get...shocker.

i have a chase credit card total credit line is 2100. i was at a very low rate i made 1 payment at the beginning of the month then one at the end for the next month so they wouldnt charge me a late fee of 40 dollars. they did cause i didnt make the payment after the 7th of the month so they said they would take off the late fee but would have to up my percentage to 29% oh my god i was trying to make an early payment to avoid a late charge now i get charged every month 29 dollars and my balance is only 800. the woman on the phone said that this was a new law under the obama administration? and now i am paying

When chase took over my washington mutual credit card, they started raising my apr immediately. My washington mutual rate was 8.9%, within a matter of a couple of months i am now at 27.9%. I called chase, was told the raise was due to environmental issues. I have never paid late, or gone over my limit and always send way more than the minimum payment. If i choose to opt out, they will close the account which will effect my credit. I am stuck between a rock and a hard place. Talking to anyone at chase is a waste of time. I was informed my rate may go to 30%. It seems to me that since the banks created this mess, they need to take care of it. Not me! Chase bank is a bunch of thieves stealing from people who are trying to care of their own business. Stay away from chase bank!

It's petty theft on a large scale! It's like serial killing but it is legal for them to do this but not me! Not you. They can be thieves like their cousing Bank of America. CLOSE YOUR ACCOUNT AND GO ELSE WHERE! CITIZENS UNITE!

Chase bank are a bunch of thieves who once they have your money, try to give you a hard time taking it out. Unfortunately, they took over WAMU and now, us who enjoyed on the most part dealing with a decent company and having decent customer service are forced to deal with a bunch of white collar crooks. I had a retirement fund set up with WAMU and chase took it over. then comes a surprise fee for $30 since it was below the a certain amount they wanted in their in order to wave the fee. You would think ok, a good choice then would be to take the money out and put it somewhere else but then, they charge you a 75 dollar closing fee plus a 30 dollar fee. From a financial institution that has a lot of customers unfortunately, you wouldn't expect this from. They are thieves. Penny wise and pound foolish. They now have one very very pissed off customer who for that fee they charges, will probably have to pay double or more to answer all the complaints i will lodge with different agencies and possibly the media. Not only that, in their stupidity, little do they realize that this pissed off customer will warn lots of other potential customers about banking with them. If you all decide to do the same thing, they will lose a lot of investments, accounts etc all because they decide to be penny wise and pound foolish.
As customers, its not our fault that they decided to make bad housing loans. We do not have to pay for their screw ups.
If you were screwed by them too, tell all your friends, post to internet boards, post to facebook, file a complaint with the better business bureau, the federal trade commision, with http://www.helpwithmybank.gov/, Local media, etc. Even if its only a little amount of money they decide to charge you, if you do nothing, they win and will charge you more and charge others more as time goes on. We have to show them that it doesn't pay to be thieves and if they stay dishonest, they will ultimately lose.
Chase Sucks!

I have been with WaMu for years and now that Chase changed over they took $204.00 out of my account written on my statment "transfered to another Misc acct" I was pissed off... I had no idea what this was for, why it was transfered and I was about to go negative in that account because of the unauthorized transfer... I called and was transfered 13 times, hung up on twice due to they were transfering me to someone else to better assist me... what the heck? Long story short the live people that I did speak too all had attitudes, and if I know my attitudes they were women with the "black attitude" ghetto... I can say this.. I'm black... who happens to speak without knowing my color unlike some people. This is very unprofessional for Chase you would think oh, wait, , , their a southern based company. They told me that I had to prove that I did not owe them this money while they could not tell me why this money was transfered or to where the money was transfered after two days and countless hours of the runaround on the phone... the money was transfered to Chase themselves. They claim that I owe them this money... How, , , I'm with WaMu. Now I have to prove to them. They said they do not have to do anything to prove to me that this is true. I have to prove to them what... that you all stole my money.. what the heck .. yeah obama NOT... this bank is a joke and I have closed all of my accounts. I'm still out 204.00... it's been over a week and nothing in the mail showing me how I owe them... You all be very aware of where your money is going... cause Chase acts like they own you.

[censor] chase !

[censor] chase!

I know of a company that can settle this debt down to about half of what you currently owe. Send me an email to debtrelief@rocketmail.com

So right about Chase, My Min Payment went up 500 a month from 320 to 830. I have a fixed 4.5% interest rate and have never missed or been late on a payment. I just can't do 500 more now so what's next. Triple digit interest and bankruptcy.

For the person who thinks those of us affected by Chases's actions were not diligent there are sorely misinformed. Chase did the same to me. I had a 4.99% rate and never, repeat never missed payments. They notched down my credit limit so my balance would seem to be too high. This account manipulation to meet a given parameter is called predatory lending. I have over 52 pages of communication from Chase asking them for the details backing their decision and it is very comical reading. Needless to say - they have yet to answer my request for the details behind their decision. They changed the terms on our low rate cards with the very hope we will default and be subject to a higher interest rate. Remember, it is all about profit and greed.

Chase raised my rate from 11% to 29.9%. They are blood sucking thieves. Do not do business with these guys. They will find ways to screw you. Of course, the clowns in Washington gave these guys $25 billion of our tax dollars to help screw us!

Yes, Chase scammed me a couple of years ago. They raised my rate on 2 different cards from 7.99 to 23.99%. I wrote them a letter explaining that I was unemployeed, never over my limit and never late. They stated that both cards were late the prior month, even though I mailed the payments in on the day I received the bill (two weeks before the due date). I heard from several other people that this had also happened to them. I told Chase that if they raised my interest rate to 3 times the original interest rate that I would no longer be able to make even the minimum on these cards. They basically told me "too bad, so sad". After struggling for 5 months to keep the payments up (they more than doubled the minimum payment), I gave up. When they started calling for the payment, I just told them that I give up. If they can't make the payments affordable for me, then there is no point in making payments on cards where the balance INCREASES every month when you are not even using the cards. These accounts have been bouncing from one collection agency to another for about 3 years. The settlement offer just keeps getting better. Right now it is about half of what I owed when I stopped paying the bills. It is really stupid that Chase just would not work with me in the first place. No body wins in this situation. It makes me sad that we bailed out ###s like Chase.

I havent even had my procedure yet and Im kinda glad that I caught this now. This is the issue. My procedure is $5 grand...I wanted to be on a NO iNTEREST plan of 24...the doctor office claims that they only accept the 48 (INTEREST) plan? I dont want that. Its my credit why cant I choose? If I go with the 48 interest plan, i wouldve paid 2 grand more on top of my procedure cost, NO NO NO..so Im waiting on the dr office to call me back...because they will either resubmit with a dif plan or its nothing at all, I will choose another doctor!

I am currently in the middle of a billing dispute with Chase Health Advance and I didn't even have the procedure because of the way the dental office made me feel that they were too greedy and hasty at the same time. I went for a cleaning on a Friday, got a schedule of dental needs and they checked my credit, then told me they found financing when all I wanted was a payment plan with them. I decided that following week of my appointment that this was too fast and that same week I got a bill that was due in a few weeks! and although I called the office and got a fax number to send them my dissolution letter all of my faxes come back failed and when calling them again I was on hold for at least an half an hour the first time, 40 minutes the second and the third I hung up after almost an hour! When I gave them the time line of all of this happenig within two weeks I was told by Mary, "Maam we're a finance company!"