• Report: #276250

Complaint Review: Chase Bank - Credit Card Service

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  • Submitted: Thu, September 27, 2007
  • Updated: Mon, October 15, 2007

  • Reported By:Mesa Arizona
Chase Bank - Credit Card Service
Po Box 15123 Wilmington, Delaware U.S.A.

Chase Bank - Credit Card Service chase bank credit card service tricky rude ripoffs Wilmington Delaware

*UPDATE Employee: Trickery??

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Consumers beware of the credit card industry, they use dishonesty and trickery to get your money from you. I have over the years delt with several credit card companies and they all use discetful methods. However, I just got off the phone with one of the worst ones Chase Credit Card Service.

Since the first time I have applied for their card 10 years ago they have been using trickery on me and dishonesty not to mention very rude and uncaring phone staff. Here is a list of just a few things this bank has done to me:

1. When i first got my new Chase card it was at a low interest rate, i have very good credit so i knew someday they would raise it, they always do, but i was shocked when one day out of the blue they raised it to 18.24%.

2. I started noticing something interesting it seemed that every other statement that came in from them had a late fee on it of $15.00, when i asked them about this they danced around the subject. Even to this day they are hitting me up for these late fees.

3. I have two credit cards one personal and one for business and thats the way i like it. I have never applied for another card and never disired to have another card. Chase keeps sending me these false statements that look very official like it is a real credit card statement. This is more trickery by Chase to extract money from a person, if you dont pay close attention you will think it is your actual credit card statement (they look identical). This is the mistake i made i thought it was my regular business statement and i sent in a payment which was not really a payment but was a sign up fee for another credit card (trickery).
Well anyway Chase starts billing me and i notice that the account numbers do not match any numbers on my two credit cards. So im thinking im sending money to Chase for a phantom account that i never really signed up for, never recieved a card for and never bought anything with.
In other words they are getting my money to do nothing but shuffle papers around.

I called Chase and the woman on the other end was rude and played dumb, i tried to explain the situation to her and told her i didnt even have a credit card with the number showing on the statement, she said well we sent it to you, and i said well did i sign it and call it in? did i activate it? dont you have to call it in before it is active? she had no answers for me.

I told her i did not remember ever opening this card account and i have not recieved a card, so there really is no account. She insisted there is an account, so i told her i wanted to cancel the so called phantom account.

very snippy she says to me "ok, i will cancel your account and report it to the credit agencies."

So now i have paid over $100 into an account i didnt even want or use, a card i never recieved, and to top it off now i have a bad mark on my credit because i cancelled a card i never had in the first place.

Consumers beware, these credit card companies/banks are out to get your money anyway they can even if it means dishonesty and trickey. I am very disappointed in Chase bank for treating a steady customer of theirs in this manner. because of the way they have ripped me off i would have to recommend to all consumers to check your statements very carefully and avoid doing business with Chase Bank.

John
Mesa, Arizona
U.S.A.

This report was posted on Ripoff Report on 09/27/2007 01:56 PM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-Bank-Credit-Card-Service/Wilmington-Delaware-19850-5123/Chase-Bank-Credit-Card-Service-chase-bank-credit-card-service-tricky-rude-ripoffs-Wilmin-276250. 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 UPDATE Employee

Trickery??

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

Well John, the only "trickery" here is you not looking at your credit card statement really good. Each statement that Chase sends you tells you what the charges are for. If indeed it was for an annual fee, you could have called customer service and asked what this statement was for.

Credit card companies try to get you to sign up for their cards by giving away t-shirts, hats, coolers, etc at sporting events, fairs, at the airport, etc. If anytime you fill something out for a vacation or one of these free items and you give your SSN, chances are it is for a credit card.

We as consumers SHOULD KNOW to whom and why we are giving out our SSNs, something that should be very private to us.

Also, when you are approved for a credit card account, it is reported to the credit bureaus that you have a new credit card account, even if it is not activated. When you activate a credit card, that just means that you can go use it at a store. So when you close an account, it's reported to the bureaus that you closed the account.
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