- Report: #1090628
Report - Rebuttal - Arbitrate
Complaint Review: Chase Bank USA
Chase Bank USAMail Code IL1-6215 Elgin, Illinois USA
Chase Bank USA Chase charged late fee for 53 months in row when account was paid in time Elgin Illinois
*Consumer Comment: You are an adult
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I have been contacting Chase for over a year to resolve dispute pertaining to excessive late fee for 53 months in a row on my credit card statement that resulted in charging me over $7619 for debt in which balance was just $1500. It is pertinent to note that after making on-time payments for over seven (7) years on this credit card, the balance remained $1500.
On review of credit card statements, I found that payments were auto deducted by Chase from my checking account each month on due date but statements also still showed a late charge of $39 each months as well (shocking).
After contacting Chase for over a year, I got a reply from Chase that late fee is valid as I missed a payment in April 2007. So Chase decided to charge a late fee every month thereafter even though payments were made in time all the way to November 2011.
Funny thing is that after I discovered the ripp off and closed account, I still got a letter from Chase and it mentioned that it charged me late fee of $39 on charged off a ccount and since it did not provide me statement, it is reversing it. Chase never provided me any statements for any months to begin with. It just shows that this company is not to be trusted with.
Chase executive office justified the late fee and their reasoning was that a single missed payment from April 2007 was never made up and that it was all my fault. It is pertinent to note that I signed up with Chase to deduct minimum payment automatically from my account so Chase was in itself breach of its contract.
This report was posted on Ripoff Report on 10/09/2013 08:59 AM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-Bank-USA/Elgin-Illinois-60124/Chase-Bank-USA-Chase-charged-late-fee-for-53-months-in-row-when-account-was-paid-in-time-1090628. 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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