• Report: #191066

Complaint Review: Card Service Chase Bank

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  • Submitted: Thu, May 11, 2006
  • Updated: Thu, May 11, 2006

  • Reported By:Glendale New York
Card Service Chase Bank
800 Brooksedge Blvd Westernville, OH 34081 Nationwide U.S.A.

Card Service Chase Bank Bank One ripoff Westernville Ohio

*Consumer Comment: Read the fine print

*Consumer Comment: Read the fine print

*Consumer Comment: Read the fine print

*Consumer Comment: Read the fine print

*Consumer Suggestion: Credit Card 101

*Consumer Suggestion: Credit Card 101

*Consumer Suggestion: Credit Card 101

*Consumer Suggestion: Credit Card 101

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Well i "had" a Bank One account. but it was Sold to Chase Bank, i had a credit Limit of $5000.00 when bank one had the account they would never let it go past the credit limit of $5000.00 Because i made that Request. now that chase had taken it over. they Let all my over charges from AOL And Block Buster Accumilate for serveral Months. every month my account was past do cause they kept letting all the charges go through. so it was like 435.00 for over the credit limit fee. i call them and pleaded with them not to let the charges go through. after all its my account.

i told them to deny the Monthly charges as i would send aol and the other parties checks for what i owed them. But of course they wouldnt do that cause it wouldnt "Benefit" the bank. from the introductory price of 6% intrest they went and raised it 19%. then when i couldnt make my payment on over the credit limit fee they would tag and additional $35.00 over the limit fee. on top of over the limit fee they would then Raise my intrest to and Astonoshing 33% intrest a month. So why would then stop the over the credit limit fee when they could make 3 times the Money off of me a month with a $35.00 fee and 33% intrest.

They were Putting me in a hole i could not get out off. i pleaded with them not to let the charges go through but nothing. they said they had to let it come through even though its my account and i told them i cant afford it and its causing me hardship and pushing me Toward Bankrubptcy. So i told them i wanted to close the account and they said sure no Problem. but we will still let the charges Through even if your account is closed.

So i threaten not to make any payments and file for chapter 13 . Because i wasnt going to let them Rip me off. i rather have a chapter 13 and rebuild my credit then never to be able to Repay the credit card at that intrest rate of 33% and $35.00 fee every month cause i couldnt catch up to the monthly payment. then then put me in a special prgram @ 6% intrest. and a payment of 59% a Month. Now i do a cridet Report and they give me a score of 9 which is the worst for none payment of minimum payment of 636 Dollars. and never told me for as long as iam on this program even if i pay them off on my Minumum that because i was on a 6% intrest Rate and $59.00 Month Plan for a year that they were going to report it to the credit agencies as being in collection for as long as iam on this program.

Chase are one of the most Greediest Comercial Banks in History. when they buy and account they take it over aggresivley and add lots of charges to your account and screw the living daylights out of you. if chase ever take over any or your accounts My Sugestion is to Close it Quickly. 20 years they have been screwing Milldle and Low Income People with there fees. its time for Payback.

If someone can advise me on What i can do to Fight them. please contact me through the rebuttal key.

Thanks

Elvin
Glendale, New York
U.S.A.

This report was posted on Ripoff Report on 05/11/2006 01:37 PM and is a permanent record located here: http://www.ripoffreport.com/r/Card-Service-Chase-Bank/nationwide/Card-Service-Chase-Bank-Bank-One-ripoff-Westernville-Ohio-191066. 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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Updates & Rebuttals

#1 Consumer Comment

Read the fine print

AUTHOR: Leigh-ann - (U.S.A.)

My husband and I both have credit card accounts with Chase and have never been charged an overlimit fee or had our interest rate raised. We do not have any blocks on our accounts. We are just aware of our credit limit and track our spending, including recurring charges, just like for a bank account. The fine print on the enclosure you were send with your card told you that your rates could be raised if you default on the original agreement. That is what you did. You charged beyond your credit limit.

Many companies will raise you rates if you are reported as being late on ANY account whether with their company or not. As far as recurring charges being put through it is your responsability to stop them, not Chase's. Call any companies you have set up automatic billing with and request that the auto billing be stopped. Ask them to remove your credit card information from your account and inform them that in the future you will pay via check, auto bill pay through your bank, charge a different card, whatever works for you.

Until you tell them not to bill the credit card they will continue to do so. As far as being billed for over limit fees etc even after closing the account with Chase- read that disclosure again. You can close the account but as long as there is a balance due it can, and will, continue to accrue fees and recurring charges will be added until YOU take the time to calling the companies doing the billing to stop them. I can't imagine that a 5000 credit card bill is worth filing bakrupcy over. Suck it up, pay as much as you can each month, and in the future track your credit card spending yourself rather than asking a credit company to do it for you.
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#2 Consumer Comment

Read the fine print

AUTHOR: Leigh-ann - (U.S.A.)

My husband and I both have credit card accounts with Chase and have never been charged an overlimit fee or had our interest rate raised. We do not have any blocks on our accounts. We are just aware of our credit limit and track our spending, including recurring charges, just like for a bank account. The fine print on the enclosure you were send with your card told you that your rates could be raised if you default on the original agreement. That is what you did. You charged beyond your credit limit.

Many companies will raise you rates if you are reported as being late on ANY account whether with their company or not. As far as recurring charges being put through it is your responsability to stop them, not Chase's. Call any companies you have set up automatic billing with and request that the auto billing be stopped. Ask them to remove your credit card information from your account and inform them that in the future you will pay via check, auto bill pay through your bank, charge a different card, whatever works for you.

Until you tell them not to bill the credit card they will continue to do so. As far as being billed for over limit fees etc even after closing the account with Chase- read that disclosure again. You can close the account but as long as there is a balance due it can, and will, continue to accrue fees and recurring charges will be added until YOU take the time to calling the companies doing the billing to stop them. I can't imagine that a 5000 credit card bill is worth filing bakrupcy over. Suck it up, pay as much as you can each month, and in the future track your credit card spending yourself rather than asking a credit company to do it for you.
Respond to this report!
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#3 Consumer Comment

Read the fine print

AUTHOR: Leigh-ann - (U.S.A.)

My husband and I both have credit card accounts with Chase and have never been charged an overlimit fee or had our interest rate raised. We do not have any blocks on our accounts. We are just aware of our credit limit and track our spending, including recurring charges, just like for a bank account. The fine print on the enclosure you were send with your card told you that your rates could be raised if you default on the original agreement. That is what you did. You charged beyond your credit limit.

Many companies will raise you rates if you are reported as being late on ANY account whether with their company or not. As far as recurring charges being put through it is your responsability to stop them, not Chase's. Call any companies you have set up automatic billing with and request that the auto billing be stopped. Ask them to remove your credit card information from your account and inform them that in the future you will pay via check, auto bill pay through your bank, charge a different card, whatever works for you.

Until you tell them not to bill the credit card they will continue to do so. As far as being billed for over limit fees etc even after closing the account with Chase- read that disclosure again. You can close the account but as long as there is a balance due it can, and will, continue to accrue fees and recurring charges will be added until YOU take the time to calling the companies doing the billing to stop them. I can't imagine that a 5000 credit card bill is worth filing bakrupcy over. Suck it up, pay as much as you can each month, and in the future track your credit card spending yourself rather than asking a credit company to do it for you.
Respond to this report!
What's this?

#4 Consumer Comment

Read the fine print

AUTHOR: Leigh-ann - (U.S.A.)

My husband and I both have credit card accounts with Chase and have never been charged an overlimit fee or had our interest rate raised. We do not have any blocks on our accounts. We are just aware of our credit limit and track our spending, including recurring charges, just like for a bank account. The fine print on the enclosure you were send with your card told you that your rates could be raised if you default on the original agreement. That is what you did. You charged beyond your credit limit.

Many companies will raise you rates if you are reported as being late on ANY account whether with their company or not. As far as recurring charges being put through it is your responsability to stop them, not Chase's. Call any companies you have set up automatic billing with and request that the auto billing be stopped. Ask them to remove your credit card information from your account and inform them that in the future you will pay via check, auto bill pay through your bank, charge a different card, whatever works for you.

Until you tell them not to bill the credit card they will continue to do so. As far as being billed for over limit fees etc even after closing the account with Chase- read that disclosure again. You can close the account but as long as there is a balance due it can, and will, continue to accrue fees and recurring charges will be added until YOU take the time to calling the companies doing the billing to stop them. I can't imagine that a 5000 credit card bill is worth filing bakrupcy over. Suck it up, pay as much as you can each month, and in the future track your credit card spending yourself rather than asking a credit company to do it for you.
Respond to this report!
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#5 Consumer Suggestion

Credit Card 101

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

Hey Elvin,
You seem to have a misunderstanding of how credit cards work. They are not like checking accounts in which you can stop payment on a check. Once an erronous charge has been made to your credit card account, then you can dispute that charge. It seems to me, your beef should be with AOL and Blockbuster. You also threatened them with bankruptcy. Well, thanks to the new bankruptcy law, credit card companies now have the upper hand. If you are able, you are just going to have to buckle down ,cut cost and or get a part time job. Good Luck

Go ATL Falcons
"Dirty Birds"
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#6 Consumer Suggestion

Credit Card 101

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

Hey Elvin,
You seem to have a misunderstanding of how credit cards work. They are not like checking accounts in which you can stop payment on a check. Once an erronous charge has been made to your credit card account, then you can dispute that charge. It seems to me, your beef should be with AOL and Blockbuster. You also threatened them with bankruptcy. Well, thanks to the new bankruptcy law, credit card companies now have the upper hand. If you are able, you are just going to have to buckle down ,cut cost and or get a part time job. Good Luck

Go ATL Falcons
"Dirty Birds"
Respond to this report!
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#7 Consumer Suggestion

Credit Card 101

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

Hey Elvin,
You seem to have a misunderstanding of how credit cards work. They are not like checking accounts in which you can stop payment on a check. Once an erronous charge has been made to your credit card account, then you can dispute that charge. It seems to me, your beef should be with AOL and Blockbuster. You also threatened them with bankruptcy. Well, thanks to the new bankruptcy law, credit card companies now have the upper hand. If you are able, you are just going to have to buckle down ,cut cost and or get a part time job. Good Luck

Go ATL Falcons
"Dirty Birds"
Respond to this report!
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#8 Consumer Suggestion

Credit Card 101

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

Hey Elvin,
You seem to have a misunderstanding of how credit cards work. They are not like checking accounts in which you can stop payment on a check. Once an erronous charge has been made to your credit card account, then you can dispute that charge. It seems to me, your beef should be with AOL and Blockbuster. You also threatened them with bankruptcy. Well, thanks to the new bankruptcy law, credit card companies now have the upper hand. If you are able, you are just going to have to buckle down ,cut cost and or get a part time job. Good Luck

Go ATL Falcons
"Dirty Birds"
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