Chase Bank USA Chase Bank Chased Us Away with Credit Card Ripoff - 0% Interest Turns Into Huge Fees Ripoff New York & Wilmington New York & Deleware

Make note of the date, time, service reps FULL name, Employee ID #, and a confirmation #. Document EVERYTHING.

Having documentation should alleviate any "he said/she said" situations.

How does moving make you lose emails?

Also, if you paid on May 21, and were charged with late fees and finance charges on May 23, you shouldn't be surprised. Even if the rep did do the phone payment correctly, and credited your previous late fees and finance charges, the new fees were charged as your payment was still received late. The fees were (probably) added on your statement closing date, which is always a few days after your due date for the previous billing period.

As May 21 fell after your due date, you shouldn't have been surprised at the new fees. Also, although they may write off one or two fees, you shouldn't expect them to write them all off. Although you may not have received any statements, you knew that you owed money on your cards. To be safe, you should have just sent a payment (preferably equal to previous payments that you have made, as you would know that they would cover the min due) to each of your cards.

In response to John from New Jersey

I think John missed the complete context of what happened we did not dispute the fact that we had missed a payment and therefore were subject to the original late fees. That was never an issue.

But when we explained to Chase why it happened, we asked if we could repair the damage by paying off the entire balance we owed on the account ($3,250), rather than just sending them a minimum payment plus a late fee. Chase AGREED to waive the fees if we did this, and everyone seemed happy.

The DISPUTE is that, during the transfer process to pay off the account, Chase BOTCHED the original transfer with our bank, and our bank verified this (Tennessee Valley Credit Union). Then, because of the DELAY in this being credited to our account, Chase AGAIN charged us a late fee (this was probably done automatically). We DID pay off the account completely (when Chase finally got the transfer done correctly), but THEN Chase would not take off the new late fees they had charged us during the "delay"!

In addition to these new late fees (and subsequent finance charges), Chase has also eliminated the 16,000 points that we had accumulated on that account, which far exceeds anything they think we owe them. We are NOT trying to "ripoff Chase" - it is completely the other way around.

I, too, have had a taste of Chase Bank's invented policies. I had a legitimate charge-back on a Chase Bank credit card. Everything in order, timely and ACCEPTED charge-back by the bank. Actually, they had no choice in the matter. The whole issue was totally within the limitations and policies of the banking industry as a whole, case closed.
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Shift three or four weeks ahead: Letter from the bank reading "You have five days from the date of this letter to forward all documentation relating to the TEMPORARY credit issued. etc. or the amouunt will be charged back to your account". Say WHAT? This was the result of the bank determining no funds could be recovered from the merchant. I call that tough **stuff**. THEY allowed the merchant access to my card.
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This "five day" window was one impossible for me to meet, and was not part or parcel to any legitimate banking policies. A letter to my state banking commission outlining this fiasco with a copy sent to the bank sure made this issue a non-issue with the bank. I also sent a scathing letter to the bank with the card shredded and enclosed requesting the account be closed stat! That part was just to make me feel better. Banks....'ya gotta' love 'em.

I, too, have had a taste of Chase Bank's invented policies. I had a legitimate charge-back on a Chase Bank credit card. Everything in order, timely and ACCEPTED charge-back by the bank. Actually, they had no choice in the matter. The whole issue was totally within the limitations and policies of the banking industry as a whole, case closed.
.
Shift three or four weeks ahead: Letter from the bank reading "You have five days from the date of this letter to forward all documentation relating to the TEMPORARY credit issued. etc. or the amouunt will be charged back to your account". Say WHAT? This was the result of the bank determining no funds could be recovered from the merchant. I call that tough **stuff**. THEY allowed the merchant access to my card.
.
This "five day" window was one impossible for me to meet, and was not part or parcel to any legitimate banking policies. A letter to my state banking commission outlining this fiasco with a copy sent to the bank sure made this issue a non-issue with the bank. I also sent a scathing letter to the bank with the card shredded and enclosed requesting the account be closed stat! That part was just to make me feel better. Banks....'ya gotta' love 'em.

"During our moving process, some of our mail was lost (both USPS and email). We did not receive several bills during this transition, and we began contacting our creditors about our account status."

You admit right there that it was your own fault. The companies didn't make you move. The companies are not at fault for you not recieving your bills while you moved. Are any of these companies suppose to follow you around to know exactly where you are?

The Chase Bank fiasco continues, as Chase refuses to "admit any wrong" in their botched handling of our credit card account in May of 2007.

As of December, 7 months later, they still have not responded to numerous letters we have sent them (some certified), and of course they continue to just send us a new bill every month, adding more finance charges and penalties to our account. The "botched bill" is now up to $272 in "nothing but" late fees and finance charges (for a 0% charge card which was paid off in full - and on time - in May).

Meanwhile, the ever-responsive folks at Chase Bank have CONTINUED to send us CREDIT CARD OFFERS out the ying-yang (we have received over 20 offers, no doubt due to OUR GREAT CREDIT.)

All three credit card reporting agencies have noted this "bizarre anomoly" with our credit, since it is otherwise perfect. Go figure.

The Chase Bank fiasco continues, as Chase refuses to "admit any wrong" in their botched handling of our credit card account in May of 2007.

As of December, 7 months later, they still have not responded to numerous letters we have sent them (some certified), and of course they continue to just send us a new bill every month, adding more finance charges and penalties to our account. The "botched bill" is now up to $272 in "nothing but" late fees and finance charges (for a 0% charge card which was paid off in full - and on time - in May).

Meanwhile, the ever-responsive folks at Chase Bank have CONTINUED to send us CREDIT CARD OFFERS out the ying-yang (we have received over 20 offers, no doubt due to OUR GREAT CREDIT.)

All three credit card reporting agencies have noted this "bizarre anomoly" with our credit, since it is otherwise perfect. Go figure.

The Chase Bank fiasco continues, as Chase refuses to "admit any wrong" in their botched handling of our credit card account in May of 2007.

As of December, 7 months later, they still have not responded to numerous letters we have sent them (some certified), and of course they continue to just send us a new bill every month, adding more finance charges and penalties to our account. The "botched bill" is now up to $272 in "nothing but" late fees and finance charges (for a 0% charge card which was paid off in full - and on time - in May).

Meanwhile, the ever-responsive folks at Chase Bank have CONTINUED to send us CREDIT CARD OFFERS out the ying-yang (we have received over 20 offers, no doubt due to OUR GREAT CREDIT.)

All three credit card reporting agencies have noted this "bizarre anomoly" with our credit, since it is otherwise perfect. Go figure.

The Chase Bank fiasco continues, as Chase refuses to "admit any wrong" in their botched handling of our credit card account in May of 2007.

As of December, 7 months later, they still have not responded to numerous letters we have sent them (some certified), and of course they continue to just send us a new bill every month, adding more finance charges and penalties to our account. The "botched bill" is now up to $272 in "nothing but" late fees and finance charges (for a 0% charge card which was paid off in full - and on time - in May).

Meanwhile, the ever-responsive folks at Chase Bank have CONTINUED to send us CREDIT CARD OFFERS out the ying-yang (we have received over 20 offers, no doubt due to OUR GREAT CREDIT.)

All three credit card reporting agencies have noted this "bizarre anomoly" with our credit, since it is otherwise perfect. Go figure.