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  • Report: #462320

Complaint Review: Chase/Amazon Visa Card

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  • Submitted: Wed, June 17, 2009
  • Updated: Thu, June 18, 2009

  • Reported By:Pgh Pennsylvania
Chase/Amazon Visa Card
P.O Box 15298 Wilmington, Delaware U.S.A.

Chase/Amazon Visa Card POOR Customer Service Wilmington Delaware

*Consumer Suggestion: late fees and intrest

*Consumer Suggestion: late fees and intrest

*Consumer Suggestion: late fees and intrest

*Consumer Suggestion: late fees and intrest

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I Pay my bill off every month, last month I was 2 days late, because of being out of town helping a sick family member. Received bill today with a $29.00 late fee and $1.04 Finance charge= $30.04 for being two days late. I Called in day I received the bill in mail, the call center is off shore (which I hate taking jobs away from the people her) The Guy didn't care I spoke to. His attitude sucks. I wanted to speak to his boss, he would not connect me, just did't answer me great consumer service from ? , I said cancel the card and I will not pay BLACKMAIL Charges because you say so. They are charging me 27% on the bill I paid for $114.00. Watch this company Chase Bank-Visa.

Pj
Pgh, Pennsylvania
U.S.A.

This report was posted on Ripoff Report on 06/17/2009 02:42 PM and is a permanent record located here: http://www.ripoffreport.com/r/ChaseAmazon-Visa-Card/Wilmington-Delaware-19850/ChaseAmazon-Visa-Card-POOR-Customer-Service-Wilmington-Delaware-462320. 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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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

late fees and intrest

AUTHOR: Kevin W - (U.S.A.)

Before the attacks begin, let me state that I do not work for Chase or any other credit card company. But I have read enough Terms and conditions brochures to know of which I speak. Unfortunately you did sign up for this. By accepting and using the card you agreed to abide by the terms. Every card out there has a cut off time on the due date. If paymrnt is not received by that time on the due date, the computer automatically spits out a late fee. Had you not carried a ballance past the due date, the interest charge would probally not have occurred either. In the old days, prior to the current economic mess, quite often a person could call in and explain the situation and get at least a partial credit for these fees. However now with this mess going on the credit card issuers have tightened up their policies and are not being nearly as forgiving. More than likely the agent you spoke to on the phone did not have the ability to waive those fees, and I am willing to bet that had you been able to speak to his supervisor, he would not have been able to help you either. Now for the really bad news, the credit card companies have since the first of the year become extremely agressive about collecting past due amounts. Oh they will not come after you just yet, but what they will do is wait a couple of months till there are a couple more late fees, and the interest has gone to the default rate. which for most card issuers is in the neighborhood of 30%. All of the sudden you now owe several hundred dollars! at which point you will get to hear from the local vulture lawyer who's entire practice is made up of doing collection work for the credit card companies. now you will have the lawyer's fees added on top of the ballance! Is this moral or ethical? HELL NO!!! But is it legal? Oh yes! My advice to you is pay this off now before the next due date, while it is still a small amount and avoid paying late on your other cards in the future. I know that it is not what you wanted to hear, but it is the way things are.
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#2 Consumer Suggestion

late fees and intrest

AUTHOR: Kevin W - (U.S.A.)

Before the attacks begin, let me state that I do not work for Chase or any other credit card company. But I have read enough Terms and conditions brochures to know of which I speak. Unfortunately you did sign up for this. By accepting and using the card you agreed to abide by the terms. Every card out there has a cut off time on the due date. If paymrnt is not received by that time on the due date, the computer automatically spits out a late fee. Had you not carried a ballance past the due date, the interest charge would probally not have occurred either. In the old days, prior to the current economic mess, quite often a person could call in and explain the situation and get at least a partial credit for these fees. However now with this mess going on the credit card issuers have tightened up their policies and are not being nearly as forgiving. More than likely the agent you spoke to on the phone did not have the ability to waive those fees, and I am willing to bet that had you been able to speak to his supervisor, he would not have been able to help you either. Now for the really bad news, the credit card companies have since the first of the year become extremely agressive about collecting past due amounts. Oh they will not come after you just yet, but what they will do is wait a couple of months till there are a couple more late fees, and the interest has gone to the default rate. which for most card issuers is in the neighborhood of 30%. All of the sudden you now owe several hundred dollars! at which point you will get to hear from the local vulture lawyer who's entire practice is made up of doing collection work for the credit card companies. now you will have the lawyer's fees added on top of the ballance! Is this moral or ethical? HELL NO!!! But is it legal? Oh yes! My advice to you is pay this off now before the next due date, while it is still a small amount and avoid paying late on your other cards in the future. I know that it is not what you wanted to hear, but it is the way things are.
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#3 Consumer Suggestion

late fees and intrest

AUTHOR: Kevin W - (U.S.A.)

Before the attacks begin, let me state that I do not work for Chase or any other credit card company. But I have read enough Terms and conditions brochures to know of which I speak. Unfortunately you did sign up for this. By accepting and using the card you agreed to abide by the terms. Every card out there has a cut off time on the due date. If paymrnt is not received by that time on the due date, the computer automatically spits out a late fee. Had you not carried a ballance past the due date, the interest charge would probally not have occurred either. In the old days, prior to the current economic mess, quite often a person could call in and explain the situation and get at least a partial credit for these fees. However now with this mess going on the credit card issuers have tightened up their policies and are not being nearly as forgiving. More than likely the agent you spoke to on the phone did not have the ability to waive those fees, and I am willing to bet that had you been able to speak to his supervisor, he would not have been able to help you either. Now for the really bad news, the credit card companies have since the first of the year become extremely agressive about collecting past due amounts. Oh they will not come after you just yet, but what they will do is wait a couple of months till there are a couple more late fees, and the interest has gone to the default rate. which for most card issuers is in the neighborhood of 30%. All of the sudden you now owe several hundred dollars! at which point you will get to hear from the local vulture lawyer who's entire practice is made up of doing collection work for the credit card companies. now you will have the lawyer's fees added on top of the ballance! Is this moral or ethical? HELL NO!!! But is it legal? Oh yes! My advice to you is pay this off now before the next due date, while it is still a small amount and avoid paying late on your other cards in the future. I know that it is not what you wanted to hear, but it is the way things are.
Respond to this report!
What's this?

#4 Consumer Suggestion

late fees and intrest

AUTHOR: Kevin W - (U.S.A.)

Before the attacks begin, let me state that I do not work for Chase or any other credit card company. But I have read enough Terms and conditions brochures to know of which I speak. Unfortunately you did sign up for this. By accepting and using the card you agreed to abide by the terms. Every card out there has a cut off time on the due date. If paymrnt is not received by that time on the due date, the computer automatically spits out a late fee. Had you not carried a ballance past the due date, the interest charge would probally not have occurred either. In the old days, prior to the current economic mess, quite often a person could call in and explain the situation and get at least a partial credit for these fees. However now with this mess going on the credit card issuers have tightened up their policies and are not being nearly as forgiving. More than likely the agent you spoke to on the phone did not have the ability to waive those fees, and I am willing to bet that had you been able to speak to his supervisor, he would not have been able to help you either. Now for the really bad news, the credit card companies have since the first of the year become extremely agressive about collecting past due amounts. Oh they will not come after you just yet, but what they will do is wait a couple of months till there are a couple more late fees, and the interest has gone to the default rate. which for most card issuers is in the neighborhood of 30%. All of the sudden you now owe several hundred dollars! at which point you will get to hear from the local vulture lawyer who's entire practice is made up of doing collection work for the credit card companies. now you will have the lawyer's fees added on top of the ballance! Is this moral or ethical? HELL NO!!! But is it legal? Oh yes! My advice to you is pay this off now before the next due date, while it is still a small amount and avoid paying late on your other cards in the future. I know that it is not what you wanted to hear, but it is the way things are.
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