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Report: #387477

Complaint Review: Chase Card Services - Internet

  • Submitted:
  • Updated:
  • Reported By: Bellevue Kentucky
  • Author Confirmed What's this?
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  • Chase Card Services Po Box 15298 Wilmington,DE19850-5298 Internet U.S.A.

Chase Credit Card Chase Card Services I was charge late fees when my payments were not late and my APR was escalated to an unlawful amount of 28.49%. My payment method did not change, because it was scheduled to come from my checking account the same time every month. Wilmington Internet

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BE WARNED......DO NOT DEAL WITH CHASE CREDIT CARD/ CHASE CARD SERVICES THEY ARE WORSE THAN THE FLY BY NIGHT SHORT TERM CREDIT COMPANIES THAT MOST STATES HAVE BANNED.

NOBODY WARNED ME..........TAKE MY ADVISE

I had been doing business with Chase for a few months and decided I did not care for their customer care practice or business ethics. They charged late fees to my account, when it was not past due and would not refund it. The next thing I noticed, is they began to raise my APR dramatically each month.

My APR began at 0% for an introductory rate, then hoovered around 10 - 11% for months. When I closed the account in July, they immediately upped the rate to 24.98% for the month of August and then 28.59% for the month of Sept and Oct. and charged late fees for non-late payments.

NOTHING had changed on my end, the payment was deducted from my account on the same day each month. What I did notice was they were not posting my payments within 24 hours after receiving the payments, which was happening prior to closing the credit card. On some occassions it was taking them 6 days or more to post payments. (This is a scam if I ever saw one). Amazing since prior to this the payments were being posted the same day or at most within 24 hours. When I called to find out what was going on with the account, I was shuffled from one department to the next.

The final person I spoke with was offensive to speak with, unwilling to work with me on a payment schedule, and offered no solution. I asked her to please look at my history and explain why the APR was so high as I had NEVER missed a payment. (I received the standard response they had programmed her to respond with.) I was also told that since the account had been closed they could not lower the APR, but they had no issues with raising it after the account was closed. Does this sound shady to anyone but me? I pleaded with her to work with me as I was paying as much interest on a 4,000.00 balance as I was on my house every month and I could not afford this type of interest. This is what I mean by lacking business ethics, this is NOT ETHICAL. In many states it is illegal to charge rates this high.

After half an hour on the phone with miss personality, I decided this has got to go away, so I wanted to pay it off in full with my home equity flex line. Again I called the 800 number and spoke to a rep was less than helpful. She did not want to give me a payoff balance to close the account. All she wanted to accept was the balance. This is yet another scam to keep you dealing with them so they can charge interest in 50.00 dollars.

I want companies like this to be penalized and make other people aware before they become victims of a scam that make CEO's richer by ripping off the public.

BE WARNED......DO NOT DEAL WITH THIS COMPANY

PRACTI
Bellevue, Kentucky
U.S.A.

This report was posted on Ripoff Report on 11/03/2008 11:51 AM and is a permanent record located here: https://www.ripoffreport.com/reports/chase-card-services/internet/chase-credit-card-chase-card-services-i-was-charge-late-fees-when-my-payments-were-not-lat-387477. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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