• Report: #448819

Complaint Review: Chase Credit Card

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  • Submitted: Mon, May 04, 2009
  • Updated: Tue, May 05, 2009

  • Reported By:Los Angeles California
Chase Credit Card
www.chase.com Wilmington, Delaware U.S.A.

Chase Credit Card $220 Penalty for missed payment on $650 debt Wilmington Delaware

*Consumer Comment: Just Think

*Consumer Suggestion: How?

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I asked Chase if I could settle with them and pay my outstanding balance after they hit me with a $220 penalty when I missed a payment and was then two days late on a subsequent payment--this after having paid my monthly bills on time for more than a year. (I owed only $650 before the penalty.) They refused. The reason I missed a payment was because I had switched to paperless billing, hoping to save some trees and a stamp. Chase was collecting for Circuit City. The paper bills always said Circuit City on the outside. The online Chase bill made no mention of Circuit City in the subject line; I simply thought the bill was for my wife's Washington Mutual card which became Chase a couple of months ago after Chase took over that bank. The Chase representative spoke like a robot about the bank not having made any mistake. (I wonder, has Chase taken any bailout money?) The bank clearly engages in deceptive practices and is unreasonable to charge me a penalty of about 30% interest. Also, they cancelled the Circuit City promotion.


Ronnie
Los Angeles, California
U.S.A.

This report was posted on Ripoff Report on 05/04/2009 11:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Chase-Credit-Card/Wilmington-Delaware-19850/Chase-Credit-Card-220-Penalty-for-missed-payment-on-650-debt-Wilmington-Delaware-448819. 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 Consumer Comment

Just Think

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

How many trees you can go out and plant for $220.
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#2 Consumer Suggestion

How?

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

Were you ripped off?

You were late on two payments. You said you switched to paperless bills and then didn't bother reading the email they sent you. I think the bank is okay to increase your rate when you are late twice in a row. Pay your bills on time and this wouldn't happen.
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