ED Magedson – Founder
Chase Visa - JP Morgan Chase - Chase Cardmember Services - Chase Executive OfficesWilmington, Delaware United States of America
Chase Visa Cardmember Service of Wilmington, Delaware added a $39 LATE FEE plus $3 Finance Charge to my last statement, received 10-31-09. When I called that day to inquire, I was told that my on-line payment was received at 4:05 pm on the day it was due. Note: ON THE DAY IT WAS DUE. I was told that it should have been received by 4pm at the latest.
That on-line payment was the very first on-line payment I had ever made to Chase. I set up the on-line payment to avoid paying the approx. $24 pay-by-phone-fee. Ordinarily I choose to pay my bills by snail mail. I also receive my statements by snail mail.
Please note: I pay my bills IN FULL every month and I am rarely, if ever, late. I would classify my status as being that of an excellent account holder. I am furious that I would be charged this outrageous fee. Why is there no grace period??
I am also concerned that my credit rating was affected by this 5 minute problem.
When I phoned the companyon the day I received the statement I was told by two different managers that it was impossible to waive the late fee/finance charge and that they could not do so even if they wanted to. When I complained that my account is in good standing, I was told that I had been late before.... on July 4th.
I mentioned that July 4th is a national holiday and the person on the other end of the line said that it doesn't matter and that SHE had to work on July 4th. When I reminded her that mail is not delivered on national holidays she replied that it does not matter.
Please advise. Thank you in advance.
This report was posted on Ripoff Report on 11/02/2009 07:14 AM and is a permanent record located here: http://www.ripoffreport.com/reports/chase-visa-jp-morgan-chase-chase-cardmember-services-chase-executive-offices/wilmington-delaware-19886-5153/credit-card-processing-companieschase-visa-jp-morganchase-visa-jp-morgan-chase-758b6htm-518365. 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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