JPMorgan Chase
Reviews and Complaints

I had to self reposess a car financed through Chase Bank, they sold the car at auction leaving a balance I owe of $6500. They contacted me for the money I told them my wife was laid off and we were struggling financially but I can try to make low monthly payments until things are better, they said no all money up front. They kept calling and calling and calling so I ignored them as it was no use to hash over same old thing. Anyway my elderly mother 83 yrs old had a savings account with Chase in which she put me on when she was having surgery and being treated for Cancer. They took all of her savings and the poor woman is suffering some serious problems as this is money she used for medication and to pay Dr. Bills. I have not used her account ever and forgot I was even on there, but still Chase bank, a Matthew DeFrance with Chase Auto National Recovery Center in Phoenix Arizona stated when I told him it was my mothers account he said he knows and he doesn't care. Was I pissed, yes, enough to do the unthinkable. What callous disregard these slimballs have..let them come after me, put a lien on my home, sue me but don't injure my mother. I have been taking care of my mother for 3 years and my home and wife are in another state, I have been shuffling between two states to take care of two families. This is for those that don't think a Bank can do this, they can and will and do..is it ethical or morally right, no, legal yes, but what does that mean, if it's legal it can become illegal. I don't have the option to go to the government and ask for a bailout like they do with our taxpayer dollars, do you think Uncle Sam would give me money to bail me out of debt..lol..probably lock me up. Anyway if you would like to talk to Matthew DeFrance call him at [protected] Ext. 3930 and ask him why he is a morally defunct individual.

Interestingly, the ONE time I was offered to have a fee waived by a Chase representative was today – when I was asking about how to finally close out my account. I have let it run down and changed all my bill pays, but there is one I missed, my Geico car insurance. It went through, I overdrew my account, and was assessed a $35 fee. On the phone, the rep comped me this fee. I had to laugh, since I have never ever been offered that before. Too little, too late.

here is an account of the laughable experience I had with trying to deposit checks. In and of itself, not a big deal - but indicative of how they deal with their customers. I am no longer a Chase customer as a result.

September 2009

I got married this year and received checks from family in Canada. Relatives wrote their checks from Canadian accounts but the checks are U.S. Dollars. First road bump - the ATM at my local Chase branch won’t take them and says to speak with a teller. Fair enough.

I first go to the customer service person to make sure there isn’t a problem with the check (since the ATM didn’t specify why it was rejecting it). He assures me the check is fine and just to go to the window to deposit it. He doesn’t mention fees even though he sees (and I specifically point out) that it is a check from another country but in U.S. dollars.

The teller starts to process my check. About a third of the way through, she says there may be a fee for processing.

I ask how much. Amazingly she isn’t able to tell me because she doesn’t know the amount of the fee. She has a guess of $45. This is on a $200 check.

I offer to sit and wait while she finds out, and then I can decide if I’ll deposit it. She says she can’t find out how much – she isn’t even sure when in the process the fee gets levied. The most I can find out from her is that the fee will be decided and assessed at some point in the future, and it won’t be on-site in the branch.

I don’t want to pay a potentially 25% fee, and so I don’t deposit the check in my Chase account. I go to TD Bank, where my husband and I have a saving account, and deposit it, no problem, no questions asked. I also deposit the three other checks I received from Canadian friends and relatives into that same account.

WE ARE DOING A DOCUMENTARY ABOUT WAMU/CHASE BANK AND THEIR MISTREATMENT OF THEIR CUSTOMERS
IF ANYONE IS INTERESTED IN BEING A PART OF THIS- PLEASE CONTACT ME @
minmoore33@gmail.com
thanks

Chase credit cards. I called during Christmas to see if I had money for one last gift. I did, then ten days later they add service charges charged me for over the limit. I paid that, then even though I have never been over the limit or late raised my interest rate to 27.99%.
There customer service was in India and very rude.
Chase is a filthy company with no morals or values.
We bail them out and we get treated terrible.
Chase's greed is disgusting, I hope they get there rewards back to them. They screw hard working people for there selfish greed. Hell should dedicate a special place for them.

All the banks do that - otherwise how else can those suckers make money. They make money on those who are in need the most. Cut your credit card in 10 thousand pieces and use debit - that's the only way not to get into the vicious circle!

Why am I not surprised? In the county where I live, the land record office indexes deeds, mortgages, liens, etc. affecting property ownership using the Property Tax ID number of the property (to avoid confusion from the many streets throughout the county with similar or identical names.) When Chase submitted my home equity loan documents to be recorded, they provided the record office with a totally incorrect Tax ID number, so that my loan wound up being recorded as a lien against someone else's property located 15-20 miles away in a different community. The mistake wasn't discovered until several years later after the loan was paid off and the cancellation documents had been recorded (also against the other person's property). All I can say is Thank God the loan didn't require an escrow account! If I hadn't been able to pay my own property taxes directly to the Town rather than through Chase, I would have been facing a tax lien foreclosure while some stranger's taxes would have been fully paid from my escrow account courtesy of Chase.

Were in the same boat here. We have an escrow account that is paid every month, and last year I made 13 regular house payments. Last month we got a new amortization schedule that said we were behind in our escrow account and that it would take us $1300 to get it current. I pulled all of my statements from last year and it shows 13 escrow payment. On Chases statement it only shows 9. I only have to wonder about the money and where it is going.

My credit card account was with WaMu (Washington Mutual) which now has been taken over by CHASE BANK USA. What happened honestly in my case is that I, a disabled senior became ill and before my husband drove me to the ER, I paid some of our bills that would be due at the 1st of the month and made a payment to WaMu, but apparently didn't press the enter key. I didn't want my husband to have to worry about anything in case I was admitted, which I was. 2 weeks later I looked up my account online to find that my payment was not credited. I called them immediately and told them (CHASE) what had happened to me and the fact that I have had my credit card with WaMu for several years, never been late, pay more than the min due, have a good FICO score and was concerned they would report this to the credit bureaus. I made a payment over the phone. The next thing, I receive my statement from which is now CHASE and they have put my APR at 27.24% (default rate) up from 11.94% which it was with Wamu. The customer rep was cold as ice...I was in tears...it didn't matter! I was told the following, " You now have to establish a good relationship with CHASE, it may take 1-2-3-4 yrs or more, IF AT ALL. I have written to my State Senators, The Attorney General etc. The lesson I have learned from this is to pay off the credit cards...may take time but I will do it...In addition to the "Bail Out", they are finding way's to take more money out of our pockets..Be watchful of your credit card statements and be active when you need to be..Ck out also /link removed/ and you can see all the complaints against CHASE. I understand from a radio program this am that there is a law firm in New York that is planning on filing a class action suit against them. I live in Nevada. If there is anyone from New York that perhaps see's an article re this in your newspaper and it names the law firm, please let me know.
Many Thanks!

I have been with Wamu for some 20 years. Chase takes over, and decides to hold all my clients checks, and in these economic times this is a death sentence for a business such as mine. They not only receive 33.00 for bouncing my employee checks though the money is there, being "Held", they created for the first time in my business upsets and employee worries. This bank is CRIMINAL with a capitol C, and steer clear and find a bank like WAMU use to be. These people are the worst in their false policies, just so they can collect fees. They should be put in jail. Run, don't walk, to a new bank. I am meeting tomorrow with my new bank.

I work, Pay my taxes and when time for a refund I was sent a check through New york state, Seeing that the check was issued by Chase thought it would be no problem to go there and get the cash right away . To my surprise chase told me that I have to have an account with them to get my check that I worked all year and paid my taxes with. I dont understand this practice by banks. And the next Question is why is it that after paying my hard earned taxes I have to have an account too isnt paying my taxes enough? I dont want an account with chase esspecially because of their fees they impliment and the way they do business I thought this was a free Society but apparently chase chooses to make it not so . I thought only in a communist society you wouldnt have the choice of things like banks and other stuff like that from the way thing are going I would think soon chase is going to right out own us at this pace. And this is not the last place this letter will end up.

Yep. They are setting you up for an interest increase. Mine went from 11% to 30%. Be sure and thank your local congressman for bailing these guys out with your tax money to the tune of $25 billion.

Deceptive is right, they are crooks and provide no customer service. I am so sorry I used their card, I should have stuck with Citibank and American Express. I was using a Chase/United credit card to earn additional airmiles. United is the only airlines that flies out of our small airport and it seemed like a good idea at the time. I pay most of my bills online and have overpaid accounts in the past. It has never been a problem either the company contacted me or mailed a check back to me. I made the mistake of putting an extra zero on my 500 payment to Chase, two months later I still had a balance of PLUS $5, 000.00. They gave me some crap about the patriot act and having to investigate the source of the funds. It was a direct payment from my bank account. After the second billing statement with the over $5, 000.00 plus balance I used a Chase check and paid my American Express the $5, 000.00 I owen them. The next month I got my Chase bill with a $150.00 balance transfer fee charged to my account. I have made several attempts to get a credit explaining that I did not borrow money, it was my money they refused to refund. Four letter and several calls and I have not received a credit. I will file a complaint with the BBB but do not expect them to issue a credit.

You know Chase is not the greatest bank in the world about "people". i have banked with them for MANY years. A personal note to explain the situation. I, like many Americans, suffer from Chron's disease and we have to make darn sure we know where every rest room is. So I go to the Chase on 4th and Throckmorton to do some banking business. When i get there, my Crohn's flairs up and I ask where their rest rooms are. I was told "Downstair but you have to have a code so you need to go back out to one of the restaurants." I said "Look I'm here to do banking but I need a rest room now I have Chron's !" Luckily for me, a bike security officer happened to walk into the bank and the bldg receptionist had him escort me to the basement and open the rest room for me. He waited outside until I exited the rest room and escorted me back upstairs. I then conducted my banking business and left.
See, with Chase people aren't people. They are money to be used to make Chase big profits on Wall Street and Real Estate, etc
They can't even provide their customers with a rest room !
So go luck getting them to do right by your daughters' account !

Contact a lawyer immediately and have them review your daughters contract with Chase bank. Do not waste any more of your time or your daughter's time trying to work this out directly with the bank. Contact a lawyer and have them confirm legally if you are able to reverse what has been done to her accounts and then close down all related accounts with Chase and take your business elsewhere. They are a bank and they do not care about you as a person. That will not change. Find a new bank and review the checking account contract before anyone signs up or agrees. Never become a member of a bank that will move money around in your accounts without first getting written consent from you. That is a sign that the bank is shady. Good luck.

The problem you are having is that you don't understand what Chase is attempting to do. They want to increase everyone APR and are looking for any excuse to do it. That are their marching orders. Once you accept that fact, you can lower your blood pressure. THEY DON'T CARE WHAT YOUR EXCUSE IS: THEY WANT YOUR MONEY (OR YOUR MOTHER'S MONEY.) They increased my APR from 11% to 30%. If you really want to get mad about something, think about the fact that Congress gave these guys $25 billion of or tax dollars to "bail them out." They won't give your mother a break, but they have no problem begging money from the government. Unfortunately, those clowns in Washington were "sympathetic" to Chase. How's that hope and change working for you?

Oh my, what an awful story.. I'm fairly new to credit cards and am still unsure of what activities are "rewarded" and penalized (eg, paying early/paying late), so I searched "do you get penalized for paying early" in Google and ended up here. Huh.. I hope you get this all sorted out! Please keep us all posted, and good luck!

I feel for you. Chase has got me too. Last year they offer me something I cannot refuse. 2.99% for the life of the balance fixed -- not variable. I read the fine print, it was good. I spoke with the Chase bank manager about this and he shook my hand, saying, " no problem, it is as good as our home loans--only a better rate." He confirms that the only thing that would move my rate higher is if I paid late, I default or my credit tanked. No worries there, I'm at 749+ score with all 3 bureaus.

Fast forward one year. Chase increases my regular APR from 7.99 to 29.99 (no reason, all of my accounts are in good standing.) Then they reduce my credit limit to just above my balances. Pissed yes, but no worries. I continue making payments on time.

Now they send me a notice (Jan 09) that all my fixed for life promotional rate is going away. No opt out feature, its just going to happen in April 09. (says the customer service person).

Chase took 25 BILLION in taxpayer money with the bailout. They were supposed to use it to pay bad debt, instead they bankrolled it (there is no supervision of the bailout money by the way). They are also using it to lobby congress to veto credit card reform.

Chase follows the new credit model. They actively search for people who may have difficulty paying off debts and target them with balance transfers and debt consolidation offers. After getting in over their head, they bait-n-switch and frak them over. In an internal Chase meeting this policy was disclosed and the informant left Chase after he found out how crooked they are.

Luckily, I am in a position to pay off Chase in full on this. A lot of people are not so lucky and this will be the straw that breaks the camels back for them. I feel bad that our government backed such a crooked company like Chase, but then again, it is our government. No stretch there.

To all the flamers who would respond to this and with only the intent to tear up my comments: Go ahead. Maybe your a Chase Zealot in disguise, some CEO in his gold leaf pajamas who has to beat up on the person who got screwed by your company and has the balls to tell their story. Those reading posts after this will easily tell who is telling the truth and who is covering for Chase.

don't believe me. Check out the hundreds of others complaining about Cha$e here:

http://www.changeinterms.com/

Be extremely careful with this bank. Close your credit card account a.s.a.p. Customer service reps are rude and will hang up the phone on you.

I paid off my final balance on my c.c. They didn't even send me a final statement. How cheap! I requested this 3 times already and still no statement. Will have to physically go to a CHASE bank in hopes of getting one. Don't trust their online banking.

Selfish bank !

On numerous occasions Chase Auto Finance has been very rude and vulgar with me .I'm not a bad customer when I pay my car payment each and every time I have paid well over the amount due.I'm not 30 plus days due at any time .I've heard everything from my credit is bad so that is why I'm being harrassed and they call sometimes three times a day when I am only two days past due.WHY? Had I known how rude they were I would have gotten my loan somewhere else...I had other options and wish now i would have taken them.I'm so frustrated with this particular company that I feel like giving them the car back b/c they are rude and nasty .

Paid off our 2017 chevrolet hhr-recieve paper title in mail that reflects title is overlapped by yet another title-and is reflective that chase is still lienholder—electronically also the same information was sent to dmv—yet chase claims theres nothing they can do—been to state police and floridas dmv-who all reaffirm this is chases responsibility to correct this info asap. Calls taken by overseas call reps have gotten nowhere-personal visits to chase branch in miami did no good-asa rep there just calls same type of call center with lady telling me its up to us to get a new vehicle title-yet one cannot even do anything when dates are false-information is false—this is the biggest sham we have ever come across regarding simple documentations process—i woul;d never do business with these people again—and we got a 06'chevy that we cant even have accurate documentation on-let alone drive it.

I bought my car in 2017. Dealer gave me the loan from Chase Auto Finance @4% for 60 months. After being at the dealership all day, I was leaving near closing time. I returned to the finance dept. and told them that I needed a 36-month loan, not a 60-month loan, to coincide with the end of my alimony payments. Finance dept. told me to pay $750/month instead of $445 (approx.) and the loan would be paid off in 3 years. ONE YEAR AFTER I made my last payment, Chase called saying that I was late on a payment, and if I did not pay $700 they would repossess my car. I paid, planning to resolve the situation. They called me several times after still claiming that I had another 14 months of payment due. I asked for a supervisor; was told one would call me back and never received a call. I called and requested a statement of my payments and they never sent one. Then my car was repossessed. Now I am supposed to call someone from Chase in the morning to do what - negotiate another payment plan? I need to go through 3 years of bank statements on an account that has been closed for a year and a half to prove that the car was paid off. I am a single parent and I need my car for work or I could lose my job after 6 years. Chase Auto Finance absolutely refused to go through their records of my payments and just came and took my car.

Less than 6 hours ago, I sent chase over 2017.00 for my truck that was taken from my driveway last sat. Night. I have been trying to get my truck since mon. I never delt with the same rep.in trying to fullfill chase's request/demands mon turned into tues. Now it's fri, they have my money and my truck is someware in nashville. Which was put on a truck after I told the last rep that I wasn't paying it off, I would pay for "past due, as well as this may payment (Due on 5/24). One rep said all of my paper work was fine, another said they have yet to recive (Sent 4 times in same day). Spoke to a number of"off shore"reps. One told me all I needed to pay was 215.00 then it went to 3330.00and so on. I requested info in writing... We don't do that. The last rep I spoke to told me this wouldn't have happened if I had taken care of this"on the 10th, or11th. I asked him if he had seen that I was trying to get this taken careoff... He said yes, not our problem.
In dec. I went on a differnt pymnt plan. All reps said they saw the info.. Had my check and payment info.
At this point in time, I really don't know what to do. They knew I was working to get this taken care of. I understand large call vol, few reps. But this has gone to an extreme. Even with partial info on mon. There was no reason this wasn't taken care of tues. I even took yesterday and today off. When I told this to another "off shore" rep. The response was "there was no reason for you to miss work, everything is fine" and the classic "don't you worry, no need to worry, I will take care of this. Gee, if I din't take off, who knows where my truck would have ended up don't know if I still have a job, can't make extra money cutting grass, can't haul hay to my horses.

I have been sick with a tumor and had a med procedure done 2 months ago. During this time we have fallen behind on our bills including our car payment with JP Morgan. My husband has been in contact with an agent from chase and they said they would try to work out a hardship deferral for us and we would still behind a payment plus late charges but we could pay that and bring current. Tues a woman came to the door and served my husband with court papers from chase telling us to appear in court in sept 2017 to turn the vehicle in or pay 19000.00 to pay off the loan. when my husband called to try to understand what was going on they said they would not work with us the agent did not post anything about a deferral on our account so there is nothing we can do, they did say we could pay them 4800 but we don’t owe that amount when my husband ask why so much they said it is 2 payments plus late charges. I am shocked and distraught and do not know what to do. I cannot believe in a time when families are struggling that a company like JP Morgan could be so cold they are completely refusing to work with us.

I ve spoken to an extremely rude representative named
George re: making another payment towards my account. I
had already put another $100 on it to catch it up some.
He told me to keep the money and that he cant do anything
with that. He also said that they will not accept any
payment less than the $420.00 that is owed. Which is a fat lie. I am extremely livid by this response. I am also a customer service rep
who has dealt with collections over 10 years. Where I am now, I am expected to deliver courtesy to our subscribers no matter what. I am expected to be empathatic in their dilemmas no matter what otherwise I won t be employed. This was disgusting representation. I then asked for a supervisor and he flat out told me no and to call back.
This was 7/9/09 at 5:45pm. I am awe struck that if calls are being monitored as my calls are that these reps still work there & are getting away with speaking to people in this manner. I will never bank with you all because of the many mishandlings that I have experienced via phone. This treatment is unacceptable even if an
account is delinquent. I cant help my situation right now but I am doing my best and to be treated in this manner is ridiculous and I want something done. I have called and I can honestly say I've literally had 2 nice reps. This is why I dont call back when left a message. I do want something done about this and the phone call pulled and analyzed. I also called back and was tranferred into a
full voice mail for a supervisor. I called back again and
another rep left me on hold and didnt come back to the
phone. Simply outragous. I would never be able to get away
with this type of treament to our customers because our
management team listens to each call. I hope that you take
this seriously because this strategy is also illegal being
that aggressive. I do want that call pulled. I tried calling back again sw a Lovell id # n095682 (if this is a real #) he also would not get me to a supervisor. This is on 7/10/09. These people should all be fired. I know I would be if I talked to people in that manner. I am sending a copy to the Better Business Bureau as well. I really hope something is done about this because this is inexcusable.

I asked chase to help me lower my payments due to separation of my wife and i. I was told I qualify only to be disrespected by the office. Told me I could have payments lowered and still got me waiting on a reply — my friend made the same request (White) got a reply in 3 days same situation. Chase is racist and unfair to costemers (Black)

I have had my Subaru for almost 20 months and I am now wishing I had researched this company more before doing business with them.

I am pregnant with my second child and due to severe complications was pulled from work but was waiting for my disability to be approved (which was about 90 days). During that time, I called Chase to advise them I wasn't receiving a paycheck and I knew I couldn't afford December's payment and would there be anyway to "tack it on" to my last month's payment. I was informed by Glenn who said they do NOT work with people, you either pay the bill or someone would be at my house to get my car. He also told me that they would call everyday that I was late and that the company would make sure to take the car in front of me and my 2 year old. When I asked for a supervisor, he hung up on me.

I called by and spoke to Mary, and when I told her I had never been late on a payment and I really wanted to work something out before I became late, she said that Chase doesn't work with people, you either pay or you lose your car. I couldn't believe for one month, nothing could be done. When I again tried to explain my situation and told her we were living on my husband's paycheck and I had a mortgage to pay and utilities, she told me what would I rather have my car or house. She said pay those late, it will take them a month to shut off my utilities and 2 months to start foreclosure proceedings. When I asked for her supervisor, I was again disconnected.

The bottom line is, do your research before signing with any company.

We purchased a Ford Mustang in 2017, and financed it through Chase Auto Finance. We were never late on a payment until this past spring when we both had our hours cut at work. When we got behind by a couple of weeks, the calls started, 5 to 7 a day. Even if we made our payment, they would call every day. We asked to have the 'late' payment placed at the end of our loan. We thought this to be fairly common practice. We were rudely refused. Every month, more late fees, due to this one payment that we had been late on, because they considered every payment late after that. The calls increased, at one point over 20 a day. Most times no one would be on the line. If they WERE there, they were rude, demanding we send payment now. One guy even told my husband that they were calling JUST to harrass us. 2 weeks ago I called to get a payoff, and they refused to give me an amount. Said that I had to get caught up first. I said "I'm paying the entire car off tomorrow". It took 4 calls before they would give me the amount. When I called the next day to pay it off, the amount had gone up. "Interest" I was told. $2.50, overnight! I said I didn't care, just send me my title. We'll see how long it takes to get that! Every time the phone rings, my 3 year old says CHASE! How sad is that? I wrote them 2 letters, and I told them I might just be one person, and don't make a bit of difference to them, but I WILL tell every single person I can what a horrible experience I had with them.

I recently (Sept. 23, 2017) paid Chase Auto Finance $18, 000 to close my loan with them in order to resell my vehicle. Since that time, I have got nothing but runaround from Chase Customer Service in regards to obtaining my title. Several phone calls have been met with "We have a research team working on it" but no title as of October 5, 2017. I was even told on the 29th of Sept. that my title had been sent to me via Fed-Ex but found that to be a lie. Chase was nice enough to send me a letter on the 27th of September stating my account is satisfied and even sent a check for overpayment but no title. I was told three separate times that a supervisor would be contacting me but still no call. I have even received the cleared check back in the mail meaning Chase has deposited the funds sent to them. Chase is the worst in regards to customer service and taking care of those who are on time with their payments. I will NEVER apply for any type of Chase loan or credit card as a result of this experience.

P.S.- Go Steelers

I had 12 months less to pay my loam, then they finish the contract, to reposes my car
because pass due two payments, and pass due, fees, I the co signed of this loam, and they do not wants to accept a deals from my parts, they want the all amounts pay of, I can not do so, because I have not address to send the payments.
The bank where I was making payments in the pass they can not accepted not payments for the pay off of this situations.
this is a 2007 toyota tacoma.

Chase is worst.

I have had about 20 revolving credit accounts. Only Chase had reported late payments 4 times when it is not actually a LATE payment.

Don't ever choose credit card run by Chase.

Chase is complete scam. Be aware of Best Buy/ Future Shop/ Sears Credit Cards!

You're warned!

I am on a payment plan with Chase to pay off the balance of my card. Since I have been on the payment plan I have not missed a payment. Because I won't schedule payments ahead of time because I need to make my payment based on when I get paid and how much (so I can pay extra if possible), they call me about 5-8 times per day to harass me to set up a payment. Let me remind you that I HAVE NOT MISSED A PAYMENT ON THIS PAYMENT PLAN which I have been on for about a year and a half. I changed my ringer on my phone so I know when its them so I don't bother even looking at my phone when they call. They are ridiculous and I will never ever again have a card through Chase, and will only say very bad things about them. I also will not posess any new credit cards in the future. If I can't pay for it today then I don't need it, period.

July of 2009 I owed $12000 on my Chase cards. I was getting 0 % on one and 6% on the other. For some reason they didn't get the payment. Lost in the mail or in there office ...don't know.
When I called, they acted like they could care less.
Needless to say...my interest rate went up.
This month I will have paid both Chase credit card off.
That is over $12000 I paid in 13 months.
Chase lost me as a good customer.
You would think they would spent a little more time and money on Customer Relations then those stupid commercials on TV.
Spred the word...nothing hurts a company more then word of mouth

I totally agree, they couldn't care less when I complained about a late fee for 2 days late - the first time ever. They make their money on poor credit risks, very poor business plan.

I too had a late fee applied for a payment due on Sunday and processed on Monday. I've had the credit card since 1986 and always pay my bill in full. It turns out the mail was slow this month, so I got hit with the $39 late fee and shall owe another $35-$40 for interest on purchases made during the last statement period. I had no idea that an institution could charge a late fee for payments with due dates which fall on a Sunday and post on the following Monday. A Chase rep told me that Chase actually goes to the post office every 2 hours to collect payments, even on Sundays! Regardless, I wasn't aware of it, and frankly, don't know if I believe him. This is just another way for credit card companies to extract fees from thir customers. I expect they will try to cut the grace period even further in the future. This will snag even more people. Rather than closing a credit card account, it is often better to just cut up the credit card and keep the account open with a zero balance. Closing an account actually hurts your credit score since having revolving accounts with low balances is generally looked at as a good thing.

I've also had a bad experience with their customer service just yesterday. Been a cardmember since 1999 and have never had a late payment. I mailed out my payment normally giving it three days to get there. Due date was on a Sunday and the payment posted Monday morning. Got a $39 late fee and finance charge. Called customer service to be told that they "could" waive the service fee but were not going to. Managers were even worse. I felt like I was being talked down to. They have no desire for customer retention whatsoever. I'm exploring all avenues on this and cancelling my card. I also urge everyone here to spread the word to relatives and co-workers to cancel their cards and switch to a better credit card provider. I know of at least two people who will cancel with me so at least that's a start.

I had a similar experience today. I'm closing all my accounts with WaMu/Chase. I'm only out $39.00 but Chase will never see another dime from me.

It was oddly easy to cancel my credit card account. No customer retention process at all, go figure.

Unbelievable. I have moved and sent my April payment with my new address. I still have not received a statement so I called customer service and spoke to reps, supervisors and managers who would not reverse the late fee so I closed my account and will send a complaint letter to: Richard Srednicki, Pres/CEO, Chase Headquarters, 270 Park Ave., New York, NY [protected]. Phone # [protected]. I didn't know I had a late fee until I called for my balance thus being taunted my supervisors saying that they have the authority to reverse the late fee but won't. What customer service, they should answer the phones, "welcome to chase, how may we harrass you today?"

The same thing happens to me. I have been a WaMu customer for 6 years. Chase bought it and changed the due date to be several days earlier and charge me for a late fee. I always pays on time. This time I was one day late (supposed to pay on 12th but I realized it on the 13th) since it is the first month that it switch to Chase service. I told one of reps and they took the late fee off but I still have to pay for the 1 day interest that I missed. That was ok and I paid the full balance of that bill. One month later, I paid attention to my due date and paid a full balance and did it 2 week earilier, on the 30th. Then I found out later that I still got a financial charge from the purchasing amount that occurs after a late payment cycle, from the 13th to 30th. How is this possible? Purchasing from the13th to 30 th should be in the new cycle bill and it should not be counted for the interest since I paid this cycle on time.
Anyway I talked to the first reps. She is terribleeeee...Bad dddd in customer survice or may be she need a ... so bad. She shouted at me and did not listen to me. Then I requested to talk with another reps. She just said NO..NO ONE else can talk to you. Well...She just hang up on me. I called again but luckily I got a better one. He explained it to me.
My point is that Chase has a bad service and a trick to do a business with. I closed my account with them. No more business with them. Please tell your friends. Do not open an account with Chase...It will Chase you Over ...As you can see by ITS NAME.

I have been a WaMu Customer for 10 years. Chase took over and they changed the due date to the 20th of the month. The due date used to be the 23rd to the 28th.
I pay like clockwork - never a late payment.
I paid on the 21st like usual and saw the late fee on my account!
I called Chase customer service - notta, no help. I ask them to make a concession on the late fee to save my
credit rating. No help. In fact, they gave me the address of th CEO Jamie Diamon!
Then I was paying my other Chase card as usual and noticed another late fee!
I paid on the 20th of the month and the statement cuts on the 21st. I needed to make the payment between the 21st and the 9th of the month in order for the payment to be applied to the correct billing cycle! The interest rate jumped to 27.94%!
So - Late fee for paying 1 day late and Late fee for paying 1 day early.
I closed BOTH accounts.
I will never do business with Chase AGAIN!

Very helpful to know I am not alone appears to be a pattern

This information was very helpful to know I am going through the same thing with chase. I was previously a WAMU customer. In my case it is a debit card. So it is not the bank's money. It is my money. They have refused to credit my account. I have sent 30 emails, 5 electronic faxes, called 25-30 times all in the last 22 days. On vacation and attempting to attend son's graduation. Needed my funds for medication finally got that, then need the final amount for car rental to attend son's graduation. They excuse they give after 22 days faxes and 5 electronic forms is that claims does not have the forms. So many excuses don't have form for the last 10days. Supervisor gone for today, we will do today. Finally got a return call from the executive office wait 2-3 business days. I am disabled, fixed income and support 3 people one being a 7 year old child. I live in California, vacation in Alabama, son graduating in Kentucky. I have spent most of the morning for days calling chase. I want to know where I should file a lawsuit for my money. my time, my loss of vaction and my last 22 days of working for chase. I even had to call Merchants and explain my situation to have them knock off charges up 1359. I have several accounts with chase. They can only see two that have automatic deposits. I think they will be surprised when I am able to withdraw other funds. As soon as I return to Ca I will be closing all accounts. I will tell the world what has happened to me . I most definitely want to be compensated for the drama.

I just had an email from paypal stating that my 500 dollar payment to Justin Collier, Seller's email: justincollier00@yahoo.com was paid from my Chase credit card as requested but was awaiting for this Justin to accept it, luckily I was checking emails when this msg came through, I called Chase which was formerly for me until the 9th of March a Providian/ WaMu account that Chase just took over, and fortunately there was a zero balance on my account so they didnt give me a hard time when I called to dispute this payment, they closed that account and I was told that I wouldnt be liable and theyd contact me if during the investigation there was further information needed, , she was American spoke good English and was very helpful, I also filed a dispute w/ paypal to stop the payment which they did, and are requesting more info from this Justin person, , so unless everyone Ive talked to at Chase and Paypal are scammers, phishers and thieves also then this should be taken care of as promised, , , I just wanted to share my expierience w/ you and offer you a bit of hope, , ,

was this demand draft sent to him ?