• Report: #185965

Complaint Review: Chevy Chase Bank-visa Credit Card, First Card, Bank One

  • Submitted: Mon, April 10, 2006
  • Updated: Mon, April 10, 2006

  • Reported By:San Antonio Texas
Chevy Chase Bank-visa Credit Card, First Card, Bank One
P.O. Box 94014 Palatine, Illinois U.S.A.

Chase Bank-visa Credit Card, First Card, Bank One ripoff,continuously applying late fees, racking more interest rates Palatine Illinois

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I have been a card member for 10 years. I had been paying on this one card, faithfully $100. plus, for 9 years and 6 months. Knowing I had not used the card that often, and curious to know what all I was paying for, so I had requested for on itemized bill. Since September 2005, I have not paid for one reason, I was a full time working, single parent and had no more money, with no help and very little to no assistance.

It took them 3 months before I finally got the itemized bill (receiving this after Christmas 2005). During this time, I had been enduring multiple phone calls by Chase Bank to collect, hounding me for more money. One of the creditors said I was using this as an excuse to get out of paying and suggested me to go get another job. I was highly upset. I asked them where my itemized bill was, each time after, and they wanted to know why I needed this, and I replied for my own personal reason.

When I received this itemized bill, I noticed that I had only been given 7 years passed. I had questioned this and their reply was that that was all the data they could give me. If I have been a card member for 10 years and asked for an itemized bill for those 10 years they should provide me all of what I had asked for, with no questions and not just partly.

For the last 3 years I made an effort to go directly to the bank to avoid any late fees, bill or no bill. 3 years prior I had sent my bill over night to avoid late fees. The first 3 years and 6 months I relied on the post office and their (the bank) system of payment, when bill was sent.

In reviewing this itemized bill over all, for the 7 years passed, I had only spent $3,007.50, (credit limit is $5,000) this includes all the late charges applied. Of the $3,007.50, $1,317.oo was spent last year alone. During the year 2003, I had been charged every month for late fees, even when they were negligent to send a bill. I had called when I noticed the late fees were applied, they had removed it once. The following months, when I called about the late fees they had said that they have already removed the late fees once before and could not make any other alterations. I have paid over $8,385.98, during this 7 years.

They are claiming I still owe them over $6,000.oo, inwhich just resently have sent my account to a collection agency. This other agency is already calling me now and harassing me. I also have a car note with Chase Bank, that I have wanted to trade in but each time I was told it's $5,ooo.-$7,ooo under, to get rid of it. And because Chase Bank has unforgivingly destroyed my credit that I have worked so hard to keep in good with everyone (all creditors), I am left in dispair.

They have made changes throughout the years (banks and all)and said this is what I signed up for and that they valued me as a customer. I don't believe I signed up for them to take advantage of me, nor did they really value me as a customer. I feel they have altered their interest rates, charged me unwarranted late fees, to get more money out of me. Literally ripping me off.

San Antonio, Texas

This report was posted on Ripoff Report on 04/10/2006 08:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/Chevy-Chase-Bank-visa-Credit-Card-First-Card-Bank-One/Palatine-Illinois-60094-4014/Chase-Bank-visa-Credit-Card-First-Card-Bank-One-ripoffcontinuously-applying-late-fees-185965. 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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