Chase Twice this year I did not receive my bill in the mail; and twice this year I had to initiate contact with the Chase cardmember service department to make my monthly payment telephonically. The first time this happened, it was in September, and the Chase cardmember service department credited me back a $25 late fee. My December payment was due the 22nd, and again, I did not receive a bill in the mail; so on the morning of the 23rd, I called to again make my payment telephonically. I told the customer service representative, Rena, that I was upset that this was the second time I did not receive a bill. She transferred me to her supervisor, Frank, who, like her, was rude, dismissive, and amused – he actually laughed at me. They both advised me that all of the information on my account was correct, so the $25 late fee assessed on the 22nd would not be reversed on the morning of the 23rd. So, despite the fact that I did not receive a bill, I initiated contact with them to ensure payment was made, and it was only 8 hours after the due date, they would not reverse the late fee. Elgin Illinois