• Report: #599890

Complaint Review: CHASE CARD SERVICES

  • Submitted: Tue, May 04, 2010
  • Updated: Thu, May 06, 2010

  • Reported By: LW — Newburg Pennsylvania U.S.A.
CHASE CARD SERVICES
PO Box 15298 Wilmington, Delaware United States of America

CHASE CARD SERVICES Chase Credit Cards RIPPED OFF - GOT CARD CANCELLED FOR BEING A GOOD CUSTOMER! Wilmington, Delaware

*Consumer Comment: Big Mouth, Small Words

*Consumer Comment: Sounds about right...

*Consumer Comment: How were you ripped off?

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Received 2 letters in the US MAIL stating that our BP Credit card was being cancelled and another Chase credit card was being cancelled - ripping us off for all the years we have been paying the monthly charges going on these cards for our Amoco/BP Motor Club dues and some supplemental insurance offered by BP.  We have an excellent credit rating and have always paid by the due date and even made double and triple payments - and now they CANCEL our cards?  It's BP's LOSS that Chase did this to us - we went with AAA Motor Club now - and all the years we have been paying on that supplemental insurance, well, we got the same type of insurance thru another outfit for less that we were paying BP for it, so again - BP's loss on this as well as Chase being a RIPOFF and treating good customers like crap!

This report was posted on Ripoff Report on 05/04/2010 09:03 AM and is a permanent record located here: http://www.ripoffreport.com/r/CHASE-CARD-SERVICES/Wilmington-Delaware-19850-5298/CHASE-CARD-SERVICES-Chase-Credit-Cards-RIPPED-OFF-GOT-CARD-CANCELLED-FOR-BEING-A-GOOD-CU-599890. 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:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Big Mouth, Small Words

AUTHOR: Kevin A - (USA)

"habanerosi" - Being the biggest smart a*s in the room does not make you:

A - Correct

B - An adult.

I am well aware of how credit scoring works, having worked in that particular industry myself. I know what it means when a credit line is closed, especially if it was not closed by the consumer. I will now restate my question, a bit more simply so perhaps even your "adult" mind can grasp it. Where is the RIP OFF?

Credit card companies are at liberty, whether we like it or not, to close credit card accounts for any reason, or NO REASON AT ALL. If the bank does not feel they are making enough money on an account (because the card holder pays the entire balance in full each month, for example), they may decide to close the account. This does not mean the consumer did anything wrong. However, this act by itself does not constitue a rip off.

The OP did not state their credit being damaged (and the closing of one account will do some, but limited, damage to a good overall credit score) caused them to lose anything or somehow took money out of their pocket. Their complaint seemed to be that closing the account somehow ripped them off of the motor club dues they were paying. This was obviously not true. Therefore, I ASKED where the rip off was.

Perhaps if you took time to read my response instead of attempting to showcase how the anonymity of the internet can make the small feel important, you would have understood what was actually being said, "junior." Next time open your eyes, close your mouth and you will be one step closer to actually being an adult.

Once again, I ask - Where is the rip off here?

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#2 Consumer Comment

Sounds about right...

AUTHOR: habanerosi - (USA)

Kevin,

Perhaps you are not aware of how the credit scoring system works in our country.  See, when a line of credit is closed, a consumer's rating can be damaged in two ways.  First, their average age of accounts takes a ding, lowering their score.  Second, their available credit is lowered, also lowering their score.  If the OP is being truthful and their cards were in fact in good standing, then there was no reason for them to be arbitrarily canceled.

Study up, junior, and then you can come back to the adult conversation.
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#3 Consumer Comment

How were you ripped off?

AUTHOR: Kevin A - (USA)

So...charging something on your credit card (a.k.a. borrowing the bank's money) and paying it back rips you off how exactly?


If you paid for motor club dues using your credit card and received the benefit of the motor club membership and then you paid the credit card bill - what did you lose?


I'm sorry, I see no rip off here. Just an upset consumer.

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