• Report: #443752

Complaint Review: Washington Mutual / Chase Bank Credit Card Services

  • Submitted: Wed, April 15, 2009
  • Updated: Wed, April 22, 2009

  • Reported By:Maryland Heights Missouri
Washington Mutual / Chase Bank Credit Card Services
www.chase.com/creditcards Palatine, Illinois U.S.A.

Washington Mutual / Chase Bank Credit Card Services Never sent my Bill in transition from WAMu to Chase in Feb yet charged late fee the following month Palatine Illinois

*UPDATE EX-employee responds: Credit Card ripoff happens every second of every day....

*UPDATE EX-employee responds: Credit Card ripoff happens every second of every day....

*UPDATE EX-employee responds: Credit Card ripoff happens every second of every day....

*Consumer Comment: NOT SENDING STATEMENTS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT

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I received a letter in late January from Washington Mutual stating they would be changing our service over to Chase Bank so I thought maybe the billing cycle date was going to change as well and I never received a bill. Then I get a letter in the mail stating it was a friendly reminder to send a payment, at which I immediately called to let them know I did not receive my bill so I made a electronic payment as I always do thru my checking account for the amount they were requesting in the letter that same day.

When I asked if I would be charged a late fee I was told they could not do anything about it because my payment was late. So, I paid the bill and then waited 5 days (as I was instructed to do) for the payment to be posted to my account. Then I call back andget a extremely rude rep on the phone that said they could not help me and did not offer me any options as far as disputing or appeling this decision, rather he said he would just cancel my account.

I called back and asked to speak to a supervisor and they told me they couldn't help either. I then sent a written appeal disputing the late charge and was again told I would not be credited. I have asked them to send me a copy of the statement that I never received, and to this day I have not received anything. My statement date on one bill is closing date 12-3-08, then the next one with the late charge is dated 2-3-09.

In response to my written dispute from Chase Bank they sent me a letter with "tips for avoiding late fees". Did they even review anything I sent? I doubt it! I am appalled that they can not understand why my payment was late. It obiviously wouldn't have been late had they sent me a bill in the first palce. I realize there are people that may call in saying they never received their bill, but if they looked at my payment history they would find that I have never been late with a payment once!

I really thought that Chase Bank would be more considerate than Washington Mutual was to me since they might have been losing their jobs, because I have never had a credit card company NOT fight to keep my business until now. Its only 39.00 but it is the principal and I still do not no what was on my credit card for the month of January.

Gregory
Maryland Heights, Missouri
U.S.A.

This report was posted on Ripoff Report on 04/15/2009 10:21 AM and is a permanent record located here: http://www.ripoffreport.com/r/Washington-Mutual-Chase-Bank-Credit-Card-Services/Palatine-Illinois-60094/Washington-Mutual-Chase-Bank-Credit-Card-Services-Never-sent-my-Bill-in-transition-from-443752. 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 EX-employee responds

Credit Card ripoff happens every second of every day....

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

As far as not receiving your bill, their records will ALWAYS indicate that it was sent, so you can't prove it wasn't. When you correspond with ANY credit card company, in fact, any company that you have loans thru, always send your letters thru certified mail- then you will have proof of something at least. If you don't pay up what you were told to pay, then say goodbye to your credit score, and hello to the maximum interest rates. The best thing you can do if you care about your credit is get that rotten card current and THEN fight it out. Oh- and by all means- stop using the card!! Pay it off and then close it. It's better for your credit to close it after it's paid off. I had to leave WaMu- I needed to sleep at night. The things I saw there were downright scary and appalling. I thought that Chase was the Cadillac of the banks but since they bought one of the biggest sub-prime companies in the Universe, I have to say maybe they ain't that great, because you can bet that they will lower their previous standards to WaMu's. Good luck with this.
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#2 UPDATE EX-employee responds

Credit Card ripoff happens every second of every day....

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

As far as not receiving your bill, their records will ALWAYS indicate that it was sent, so you can't prove it wasn't. When you correspond with ANY credit card company, in fact, any company that you have loans thru, always send your letters thru certified mail- then you will have proof of something at least. If you don't pay up what you were told to pay, then say goodbye to your credit score, and hello to the maximum interest rates. The best thing you can do if you care about your credit is get that rotten card current and THEN fight it out. Oh- and by all means- stop using the card!! Pay it off and then close it. It's better for your credit to close it after it's paid off. I had to leave WaMu- I needed to sleep at night. The things I saw there were downright scary and appalling. I thought that Chase was the Cadillac of the banks but since they bought one of the biggest sub-prime companies in the Universe, I have to say maybe they ain't that great, because you can bet that they will lower their previous standards to WaMu's. Good luck with this.
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#3 UPDATE EX-employee responds

Credit Card ripoff happens every second of every day....

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

As far as not receiving your bill, their records will ALWAYS indicate that it was sent, so you can't prove it wasn't. When you correspond with ANY credit card company, in fact, any company that you have loans thru, always send your letters thru certified mail- then you will have proof of something at least. If you don't pay up what you were told to pay, then say goodbye to your credit score, and hello to the maximum interest rates. The best thing you can do if you care about your credit is get that rotten card current and THEN fight it out. Oh- and by all means- stop using the card!! Pay it off and then close it. It's better for your credit to close it after it's paid off. I had to leave WaMu- I needed to sleep at night. The things I saw there were downright scary and appalling. I thought that Chase was the Cadillac of the banks but since they bought one of the biggest sub-prime companies in the Universe, I have to say maybe they ain't that great, because you can bet that they will lower their previous standards to WaMu's. Good luck with this.
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#4 Consumer Comment

NOT SENDING STATEMENTS IS A VIOLATION OF THE FAIR CREDIT BILLING ACT

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

You have to report this to the Federal Trade Commission and Office of Thrift Supervision. FTC compiles complaint data so they can watch for patterns and OTS will work on your behalf to make them remove the late fee from your account.

While on the Federal Trade Commission Website - read the Fair Credit Billing Act.

I had a similar problem with WAMU (before chase) and removing my mailing address (different from home address) from my account records and lying to me about the status of my account and kept insisting I did not owe them any money - WHICH I DISPUTED WITH THEM FOR MONTHS!

OTS MADE THEM
remove the account from collections
correct my credit reports
remove all late fees and interest that accrued because they refused to allow me to pay my bill.
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