• Report: #821551

Complaint Review: Amazon

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  • Submitted: Thu, January 12, 2012
  • Updated: Mon, August 13, 2012

  • Reported By: Anon. — Jackson Mississippi United States of America
Amazon
Seattle, Washington United States of America

Amazon Chase Credit Card Seattle, Washington

*Consumer Comment: It's always the fault of the lender

*Author of original report: Think before you write

*Author of original report: Yes, I am

*Consumer Comment: Your credit is in the sewer

*Consumer Comment: Your credit is in the sewer

*Consumer Comment: Funny

*Consumer Comment: Typical "occupy" mentality....

*Author of original report: Running a Business, or Running a Gang?

*Consumer Comment: Not a RipOff

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Here's what happens when you go to the top at one of our premier on-line businesses in America, so be forewarned.  As a matter of fact, I contacted the founder and CEO with my complaint, Jeff Brazos, he of Amazon fame.  He had an assistant write me a note.  But first, the complaint.

It seems the people at Chase, those who issue Amazon's credit card and are beholden to them for millions of dollars of business per year, just want to ignore the law or at least the spirit of the law whenever and wherever it suits their fancy.  I was involved in a Chapter 7 bankruptcy in a Federal Court in 1999 and one of my creditors was Chase (for $4K).  I had lost my job and no creditor would allow me extra time to find another one and some raised my interest rates to 21%!  I had to move to another state to locate a job and before I moved I declared bankruptcy to clear the slate.

Now, after 10 years, and even though no bankruptcy shows on my credit report, Chase refuses to issue a credit card to me claiming that they have bad credit records on me.  I suppose they do, but a Federal judge wiped it clean.  Do they extend credit to Donald Trump?  He went bankrupt.

So the assistant writes me that the credit card company makes the decisions on who they extend credit to and a committee will review their policy.  HA!  Well, I think I will be reviewing my policies too.

This report was posted on Ripoff Report on 01/12/2012 04:37 AM and is a permanent record located here: http://www.ripoffreport.com/r/Amazon/Seattle-Washington-/Amazon-Chase-Credit-Card-Seattle-Washington-821551. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
3Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

It's always the fault of the lender

AUTHOR: coast - (USA)

"I am dealing with the financial industry you are apparently involved in"

My only involvement with the banking and financial industry are meeting my monthly financial payment agreements.

"No more will I allow banks or other financial institutions to bamboozle their way with me or my money."

That's because most of them don't want your business.

It's always the fault of the lender, but never the fault of the borrower that defaulted on the agreement. OK, got it.
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#2 Author of original report

Think before you write

AUTHOR: Anon. - (United States of America)

Hey, before you call me a deadbeat leech, why don't you read the report and engage your brain before your reflexes kick in, Mr. Coast?  My credit score is 747, what's yours? And it was 720 when I applied for the Amazon credit card.  Here's how I am dealing with the financial industry you are apparently involved in Mr. Coast--they don't trust me, I don't trust them.  Fair enough for you?  I only have one credit card today and it's at 4.49%.  I deal with one local bank and one local credit union and have for years.

I fired eight or nine banks in this one city before I found one that had the policies that were customer-driven and actually worked that way.  No more will I allow banks or other financial institutions to bamboozle their way with me or my money.  Banks are not businesses any more.  Many of the larger ones are run more like casinos and people get hurt!
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#3 Author of original report

Yes, I am

AUTHOR: Anon. - (United States of America)

Yes, I am a deadbeat.  But so is Donald Trump and his casinos, and not once but several times.  So is Wayne Newton, who stuck American Express three times with bankruptcy for over $100K each time.  They still loaned to him.  And how about the many, many businesses in America that use bankruptcy to get out from under their debts?  Don't seem to hear anyone anyone yelling deadbeat at them.  The only time it has come up, in fact, has been this last time, when the banks are taking people's homes, and at the same time, scooping up taxpayer funds to keep themselves afloat.  I can name a number of famous businessmen and women who have gone bankrupt.

As a matter of fact, I only owed $37K and proposed to my creditors that they give me a break of a few months and lower my interest rates by a small percentage; however, they refused to do so and instead demanded payment immediately and raised the rates causing an immediate filing.  When they went to the bankruptcy court, they filed a filing that requested $250K.  And Chase was a party to that filing with the court.  I owned much less and the judge knew that.  He dismissed all the excess claims, distributed $4K equally, and discharged the rest under Chapter 7 of the Bankruptcy Code.

To those of you who asked about me, I am an educated man with several degrees who fell on hard times, lost a job, a home, lived in my car for a time, was hospitalized, but regained my health, worked, and am now retired.  I hope you never go through what I went through, but with God's help I made it and learned a lot of lessons along the way.  If you do walk in my shoes, you will learn your own lessons and I expect that they will be some bitter ones for some of you.
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#4 Consumer Comment

Your credit is in the sewer

AUTHOR: coast - (USA)

You stuck it to Chase for $4K and then you filed a Ripoff Report against them because they won't extend you credit again. You are a deadbeat leech.
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#5 Consumer Comment

Your credit is in the sewer

AUTHOR: coast - (USA)

You stuck it to Chase for $4K and then you filed a Ripoff Report against them because they won't extend you credit again. You are a deadbeat leech.
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#6 Consumer Comment

Funny

AUTHOR: Robert - (U.S.A.)

In this day and age, I post it and both the business and the credit card company lose customers.
- Somehow I don't think many people will think twice about you getting declined for a Credit Card because you previously stuck them with a bad debt.

By the way don't you find it the least bit ironic that you mentioned them getting bailed out, when it is very possible that it is people like you who "stuck" them with bad debt caused at least some of their issues?

It is also funny how their Interest Rate wasn't a RipOff when you applied for the card, but only became a RipOff when you were declined.

You say you are going to boycott all businesses that use the Chase Credit Card.  Why are you stopping there?  Why not also boycott any business that has any business dealings with Chase.  Not only is there Credit Cards, how about Merchant Processing,  how about if they have their bank account with them?  

So be sure that as soon as you walk into any merchant you ask them who their bank is with and what company does their credit card processing, after all you don't want to give ANY money to the evil bank that wouldn't give you a credit card.
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#7 Consumer Comment

Typical "occupy" mentality....

AUTHOR: Ken - (USA)

"#2 Update By AuthorRunning a Business, or Running a Gang? AUTHOR: Anon. - Jackson (United States of America)SUBMITTED: Thursday, January 12, 2012POSTED: Thursday, January 12, 2012

Sure, they can act against the poor and people who find themselves in awkward positions by running roughshod over any pretense of modern business sense.  So what happens?  In this day and age, I post it and both the business and the credit card company lose customers.  And if you do not want to do business with former bankrupts, you should disclose that fact up front, not after the person has turned over their personal information to the credit card company.

In addition, as taxpayers we provided these banks with liquidity to float their boats and keep them from going bankrupt and now they will not deal with us?  Please!

I plan to boycott all businesses that use the Chase credit card.  Both Amazon and Chase and all others will not be used.  I will move back to check and/or cash or possibly my 6% credit card.  The Chase Amazon card is a RIP-OFF because it carries an 18-21% interest rate, while your savings account is earning 1/2 of 1% interest annually."

1. They don't act against the poor, they act against DEADBEATS. And it is good "Modern Business Sense" to not expose themselves to the same risk again....you.  What law or rule would require them to disclose "up front" that they don't do business with these DEADBEATS?

2. What has the fact that the banks were given loans (which they've paid back with interest) got to do with your "rights" as a DEADBEAT?

3. You can do business with anyone who will accept your credit history, I don't think, however, that most businesses will miss little old entitled YOU.

4. The higher card rates are generally reserved for DEADBEATS.

Aren't you due back in your cardboard tent in your local occupy movement?
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#8 Author of original report

Running a Business, or Running a Gang?

AUTHOR: Anon. - (United States of America)

Sure, they can act against the poor and people who find themselves in awkward positions by running roughshod over any pretense of modern business sense.  So what happens?  In this day and age, I post it and both the business and the credit card company lose customers.  And if you do not want to do business with former bankrupts, you should disclose that fact up front, not after the person has turned over their personal information to the credit card company.

In addition, as taxpayers we provided these banks with liquidity to float their boats and keep them from going bankrupt and now they will not deal with us?  Please!

I plan to boycott all businesses that use the Chase credit card.  Both Amazon and Chase and all others will not be used.  I will move back to check and/or cash or possibly my 6% credit card.  The Chase Amazon card is a RIP-OFF because it carries an 18-21% interest rate, while your savings account is earning 1/2 of 1% interest annually.
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#9 Consumer Comment

Not a RipOff

AUTHOR: Robert - (U.S.A.)

You basically skipped out leaving them to write off 4K in debt.  Why in the world would they want to take another chance on you again?  Especially since the previous BK was far enough in the past that there would be nothing keeping you from filing another BK and possibly leaving them on the hook for additional debt.

Actually there are several banks that have this policy.  Some outright say they no longer want anything to do with you.  Others will give you a second chance with some conditions, such as they require you to pay back the "bad debt".  Oh and before you say "Well that's illegal a creditor can't come after you for a discharged debt", you are right.  Chase has no legal right to start collection efforts against you for this debt and can take no legal action to get it.  However, if you request a line of credit they have every right to request(but they can not force) you to "make good" on the bad debt.

Whether or not you think it is fair or in the "spirit of the law", and while it seems to be a common theme lately you are NOT entitled to their money.  That's right this is THEIR money, and as such they have the right to say who and who they don't want to give credit to.
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