desperate
  • Report: #606950

Complaint Review: Cardmember Services, Chase Bank USA, First USA

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  • Submitted: Mon, May 24, 2010
  • Updated: Thu, March 24, 2011

  • Reported By: Pam — Swartz Creek Michigan United States of America
Cardmember Services, Chase Bank USA, First USA
PO Box 15519 Wilmington, Delaware United States of America

Cardmember Services, Chase Bank USA, First USA Amazon.com/chase credit card Failed to make account auto pay and failed to notify me that account was unpaid Wilmington, Delaware

*General Comment: Additional advice....

*Consumer Suggestion: suggestion

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    I made the account auto pay in Dec/2009 was hospitalized Jan checked acct Feb/2010 found it unpaid caught it up.
   
    Again made it auto pay in Feb/2010 (via internet only option) again received a success notice upon completion. Started a new job continued recovery lost track of my life, received no notices from Chase that there was any problem, no e-mail, no phone calls and no mail.

   After finishing my teaching job checked acct and found it was 60 days late. Upon calling company was told my acct had been closed and reported to credit reporting my only option was to make payments, nothing else could be done. This after paying it with all the penalties plus being a good customer for 5 years, paying card off multiple times and very seldom carrying a large balance.

This report was posted on Ripoff Report on 05/24/2010 10:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cardmember-Services-Chase-Bank-USA-First-USA/Wilmington-Delaware-19850-5519/Cardmember-Services-Chase-Bank-USA-First-USA-Amazoncomchase-credit-card-Failed-to-make-606950. 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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#1 General Comment

Additional advice....

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

Good day,

Note that while you are complaining about your experiences in a forum dedicated to "rip-offs," it sounds more like you are complacent in the poor management of your account. As you indicate, you did not follow up with your account payment changes until months following your request. Once you discovered a problem, you once again failed to maintain your account.

It is difficult to know the full story, because you do not provide it. When you originally made the account "Autopay" in December, 2009, did you select it from your checking account? Did you enter the account information correctly? Were there always funds available in your checking account? I ask because in my experience with Chase Bank, they do not commonly make clerical or account management errors.

I surmise that your continued difficulty with Chase relates to your poor business practices. This is not stated to be mean, but to make a point: these accounts and their management is your responsibility, and no one else is to blame if you did not make the effort to manage your accounts by monitoring their activity, confirming payments, and being aware of the overall state of your account.

My best.
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#2 Consumer Suggestion

suggestion

AUTHOR: Robo - (USA)

If you are still having problems with this account, I would suggest that you contact them. I had the same problem and with the helpof someone that knew what they were doing. I was able to resolve this problem. I would suggest if you do not get the answer or help that you want,hang up and call back untill you get a rep.that is able to help you, or you could ask to speak w/a sup. regarding your problem. You should be able to stop the emails and have your statments sent to you through the mail. I find that alot of my emails get lost in spam. If all else fails send a letter to Jamie Dimond.

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