Chase Manhattan Bank Mail order credit card fraud. False percent rate, false fees ripoff Wilmington Delaware

is that the contact info for the main bank (Chase Manhattan Bank), or just the credit card divison, or for JP Morgan Bank, the parent of chase, bank one, ect.... be nice to know so i can address it properly.

Going to try the above, but wanted to update this yet again. The account has just been jacked up to a 27.99% interest. As of this date, Im only paying what I charged an no more and have stated I wont pay fees. Basically Ill just wait it out till they file if necessary.

As for damage to my credit report, Im not worried, sent in the papers to the credit bearue along with this website. I know from past, it will slow down things, but their not the only bank I deal with and others are spotless. Btw,this reminds me.

If this happened to anyone else, and you get declined when everything else is spotless, Id probably would be releaved, only becasue the ones declning will most likely be like chase and realize you wont let them take advantage.

Going to try the above, but wanted to update this yet again. The account has just been jacked up to a 27.99% interest. As of this date, Im only paying what I charged an no more and have stated I wont pay fees. Basically Ill just wait it out till they file if necessary.

As for damage to my credit report, Im not worried, sent in the papers to the credit bearue along with this website. I know from past, it will slow down things, but their not the only bank I deal with and others are spotless. Btw,this reminds me.

If this happened to anyone else, and you get declined when everything else is spotless, Id probably would be releaved, only becasue the ones declning will most likely be like chase and realize you wont let them take advantage.

To be honest, it really does not suprise me as to what the bank had pulled..... If what you say is true, then Don't let them get away with it......

Try contacting their Head Office. This is the Office of the CEO of the company (William B Harrison Jr). If his office will not help you then I would suggest you contact a Lawyer.

The Head Office Contact Info is as follows:
Office of the Chair
PO Box 71
Phoenix AZ 85001

Or, a street address, provided you wanted to send them someting via a way that is trackable (UPS, Fedex ect...)

Office of the Chair
1515 West 14th st
First Floor
Tempe, AZ 85281-6910

PH: 800-654-7998
FX: 480-457-2281

Best Wishes and Good Luck,
Ken

I didnt update this yet becasue I wanted to make sure that they might keep their word. I got a call after I mailed in copy of their application, complaint to COnsumer affairs, and another place I cant find at moment, who regulates banks. Ill update this after. Anyways, they stated their rigamoral of that it wasnt definate Id get the %, though after smakk battle, the personI spoke to gave in and (like before) said theyd credit the finace charges and notify accounts to update mine to reflect the 0% till April 2006. Guess what? It never happened. Contacted them yet again, and (Sorry, we have no way of contacting this person, at this time, to much time has alapsed to do anything) It gets better, I have been paying the minimum and sure enough, their % of finance charges put me over their limit and charged me %31 on top of their interest rate. At this time, Im sending coppies of all material sent to them to credit reporting agencys they work with and I am only paying what I charged, unless it goes past April 2006. I figured let them take me to cort and pay the expenses so all I have to do is bring all proof and info I look up in the local lawbooks so least when they lose, Ill make sure like past, I get tripple for my problems. Hey, you may not like people who use the court system to take advantage of copmpanies, but if companies like CHase/Bank One/Jp Morgan lose enough, their either going to think twice about rippping us off, or sooner or lator a judge is going to force them to refund everyone they pulled stunts like this on.

Last note, I have sent this post to Chase several times, and you will notice they never reply. BTW, in case anyone doesnt know, chase also use to be Chemical Bank. Might open up more insight.

My fiancee could not believe how much Hell AOL was before, and that Chase continues to be even more stupid then ever. Two scam artists in 50 minutes! Now for the Story:

Starts with me using Chases card which I was planning to stop anyways soon becasue of all the above hell, and also in Case AOL in fact didnt use it as reference like stated. In 45 minutes from using card for reference and having talk with AOL rep, I already knew they wernt going to cancel the account. Wonder what would have happened had I waited for the 2 month trial to end, but heck only 45 mintues for christs sake!

I figure now is the best time to call Chase and stop the card before AOL (American Off Line) got to the point and really tried charging me for a service that I decided I didnt want after 5 mnutes (And this was a 2 month free trial to boot) Talk about phone operator toss. THink I spoke to 5 people before I got to the cancelations dept.

Finally I get this guy who asks me if card is lost or stolen. I tell him neither, I need it stopped before AOL who wasnt suppose to have it, was only using it as reference refused to stop service and that with all the garbage you (Chase) Been causing, nows the best time to close it. He tells me I have to call during normal business hours and file a dispute.

I tell the guy I dont want to wait for tomorrow for something to happen, I want to stop the card now! He tells me he can only stop the card if its lost or stolen. I then tell him Im recording him, and that Im ordering him to stop the card. I dont want it, now stop it!

He then informs me (Its illigal for me to record him without his permission) Guess what, its not, especially in NY which is where IM filing to Sue Chase shortly, and I informed him of this and the fact that in NY, I dont need ti ask permission, long as Im person to the conversation, it will be legal. He then tells me hes a Minor, and its illigal to record minors and is getting a supervisor and will be back.

Ok, before I continue, its 12:30 am, and unless something changed in past few days, Federal law states no MINOR (Underage) May work after 9 (May differ in some states) or certain number of hours during normal school days, Let alone 12:30 am! When he gets back I tell him this. He then tells me where hes from, 21 is a Minor, and hes not from the US. {Oh christ, I went through all the trouble to get the DA's in each and every state on Chases case so they cant do a Bank one and toss it to another state for responsibility and now find out they are now doing this out of country too??????????) Cimiting crimes out of country where they cant be touched, figures, oh ok, back to the story.

Anyways, his supervisor picks up on the line and tells me that he can only block the card if it was stolen or lost, and that since I have the card in posession its not lost or Stolen. Ok, this was a real easy fix. I walk to my window, open it and throw the card out where it falls to who knows where and the supervisor hears it. I then tell him {Ok, cards now lost. Its no longer in my posession and Im recording this just like you are. So stop the card as I wont be responsible for it. He says he has no way of knowing if this is true, and that I have to call back and he hangs up.

I call back, get the same guy again, who asks me if the cards lost or stolen. I tell him I lost it when you told me the card cant be in my posession so I threw it out the window. He then passes the call to some famale who takes my info and blocks the card then plays a recording of what Ill need to do to get a replacement.

Replacement??????????? OMG, I use to think getting a card was hard. I never thought thrying to get rid of one was going to be worse. I dont like Chase. I dont like their disrespect to the comunity, customers, and way of bad business. I hope they get fines heavly by the investigation I pray gets done with all the District attorneys I contacted in each state with the 1170+ complaints Chase has gotten already.

Before I paste my reply from my site, which I didnt reply back to them as you will plainly see, its either automatic responce or someone else answered the same case with totaly different rules and a "Our policys are normal" Comment to try covering themseselves. Heres the update and my reply. By the way, I cant reply back to them because they learned I was keeping my word about posting their responces and now they locked the mail account for my card. (They say their onsite mail system is for our protection, though by their actions we really know who they are protecting)



Another Reply came through today from Chase. (Yep, one of those self automated letters) There getting careful now realizing I'm posting their reply's on every rip-off site and news network. But hey, time for some comedy as I interpret this one:

Quote:
From: Chase Credit Card Support
Subject: Re: Fees/Finance Charges
Date: 03-21-2005 07:44:28

Hello Censored,

We apologize that the service you received did not meet
your expectations.

We place the utmost importance in servicing our
cardmembers, and always strive to provide the very best
service.

Please be assured that the situation you encountered is
not indicative of our normal operating procedure.

You may wish to contact us at 1-800-323-5378 to discuss
this further. We are available to assist you 24 hours a
day, seven days a week.

Thank you,

Jacinta Lobo
E-mail Customer Service Representative

Account is owned by Chase Manhattan Bank USA, N.A. and may
be serviced by its affiliates.


Ok, now to break this apart like I did the last one:

Hello fool,

Quote:
We apologize that the service you received did not meet
your expectations.


This is standard form letter which btw automatically gave the poor sap who responded to it the right to tell his upper peers that the situation was settled and the case can be marked closed, which also will end up in a mailbox in that company unread because where it got directed to the higher up was probably terminated years before and this will be piling up on a server hard drive wasting space.

Quote:
We place the utmost importance in servicing our
cardmembers, and always strive to provide the very best
service.


This is reverse psychology, or poor attempt of it. Pockets needs to be replaced with CARDMEMBERS or STEALING FROM in place of SERVICING OUR. Last sentenance is almost 100% correct except WORST instead of BEST service. In all it should have read "WE at Chase Manhattan Bank, Bank1, JP Morgan, etc etc Strive to Mislead, and steal from Every Customer stupid enough to walk through our door. Doesn't this remind you of Electronic Arts? Oh, gah! Lets not bring them up, and get on with the rest of this letter!

Quote:
Please be assured that the situation you encountered is
not indicative of our normal operating procedure.


Is Not? You know, this one statement is probably the only thing in the company that is 100% correct? Because its their normal operating procedure to steal money from their customers, and basically staple their customers hands to the wall and slowly bleed them. Heck, if I wanted to endure this, Id go back to playing UO and fighting those Pks who use fastwalk and 733t hak0rs programs.

Quote:
You may wish to contact us at 1-800-323-5378 to discuss
this further. We are available to assist you 24 hours a
day, seven days a week.


Wow, this says a lot! Basically this means that someone really read this and realized Im posting their replies not just here, but to the BBB, Consumer Affairs, to the DA, and Ripoff Report and that they will probably have flagged my account to not put anything in print anymore (Gets out tape recorder) Oh, just to let you all know, in the state of California, your not allowed to record a conversation unless you ask first, BUT since this is actually being handled in NY, which I'm making sure it does if it comes to it, I can record it and use it there without their permissions as NYs law only requires me to be part of their conversation =)


Quote:
Thank you,

Jacinta Lobo
E-mail Customer Service Representative

Account is owned by Chase Manhattan Bank USA, N.A. and may
be serviced by its affiliates.


I couldn't resist not cutting this name out. I wander if this person is related to Sheriff Lobo. (TV show long canceled) Ever talk to a movie star in person? Many are snobs, look under their noses at you, yet are human beings like all of us, but hey, this explains all those s****.>

It wasnt until I read other posts here about the merge Bank1 and Chase that I realized what is going on. Bank1 I use to use YEARS ago, when I had my first PC richard card. Im not suprised now why this hell seems familier, as this same type of problem happened when I was a kid almost with my first credit cards. Bank1 offered no interest no payments for 3 or 6 month time periods.

Now mind you, back then I still lived with my mom and was out for a few months and thought I had no worries. During this time, they in fact did NOT give the no interest no payments (BTW, I went to the store and took one of the 0% signs PC richards happened to have tossed in a junk pile and might actually still be in my old home lol) When I got home, I had 4 bills, and just like chase despite the writing on the receipt and contract showing 0%, they would say there was no such offer to to much time has passed. Would you believe that the purchases back then origionally totaled $1300, but with their strange late fee structure jumped to almost $1800 in 4 months!!!!!!!

This by the way totaly caused such a downfall trying to fix that each month it got higher to the point I said screw it, and battled them in court which they never showed up, never heard back and just ende with a mark for a while, and they never got another cent there after. Almsot 20 years lator, they rear their heads again. Now I know who Im battling with and guess what? I plan making sure they will not win this either. Btw, there was corespondance between them and myself other day, and well heck, I got a bit humoriouse and since I cant link this to my website, Ill post the article here:


Hello Censored,

As outlined in the Change in Term Notice and New
Card member Agreement we recently sent you, finance charges
For a revolving purchase balance accrue until it is paid
In full.

In the month the revolving purchase balance is paid in
full, the finance charges that accrue from the first day
of the billing cycle until the date payment in full is
Received are "retail residual finance charges. Residual
finance charges are assessed on the purchase balance that
was on the account between the date the account cycled,
and the date the payment in full was received.

Please be advised that payments are applied to all Chase
credit card accounts in the following order, as
applicable:

1. Annual Fee
2. Unpaid Interest
3. Billed Fees (These fees include overlimit, late,
balance transfer, cash advance, and credit life
insurance.)
4. Life of Loan Balance Transfers
5. Limited Time Balance Transfers
Purchase Balances (including immediate payment fees)
Wal-Mart Deferred Balances
Grandfathered Balances
Cash Balances
6. Unbilled Purchases/Unbilled Cash
7. Disputes

This hierarchy is established in the Cardholder Agreement.
We do not have the option of applying payments to a
specific balance upon request.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Gloria (Censored)
E-Mail Customer Service

Account is owned by Chase Manhattan Bank USA, N.A. and may
be serviced by its affiliates.

Quote:
As outlined in the Change in Term Notice and New
Cardmember Agreement we recently sent you, finance charges
for a revolving purchase balance accrue until it is paid
in full.


New terms notice Chase sent me? Let me guess, this get lost in the mail or these terms take place after they consolidated my accounts for double the interest rate? Basically Ill spell out to you what chase is doing here in more human understanding. This is like going into the store, buying a pack of bubblegum for 50 cents using your debit card, then going home and finding out you got charged $3.00 because the store has a notice probably buried in the bathroom stating that prices can change without notice, even AFTER you make a purchase.

Quote:
In the month the revolving purchase balance is paid in
full, the finance charges that accrue from the first day
of the billing cycle until the date payment in full is
received are "retail residual finance charges. Residual
finance charges are assessed on the purchase balance that
was on the account between the date the account cycled,
and the date the payment in full was received.


Another bit of new mumbo jumbo needing translating. (By the way, Chase banking doesn't know or understand what 0% interest means. Basically someone in that company who didn't understand English or math for that matter got tossed applications from their competition and somehow managed to incorporate how to assemble a bicycle for their terms of service to post to accounts after they sucker people into opening accounts with them.) Oh, the above part translated (Yes, Sorry, I do get sidetracked sometimes) means they are going to charge you interest, and it gets better. everyone who thinks its 0% till April of 2006, well, its not. Yes, they lied but even better, (Or worse) Is while your making payments, if your making minimum, their interest which their NOT suppose to be charging you accrues each month not only taking up your credit limit, but even worse, the way its set up is it will cause it to go over the limit and Boom! You now not only get hit with interest, but also a $30 over the limit fee. Oh, and if you don't know how to battle these people (I really think their aliens going up for presidency in the future or future disgruntled postal worker) if you don't pay their fees, you'll get hit with $30 over limit fee, $30 late fee, and oh yes, stopping them from accessing your checking account will get you a $30 stop payment fee. $90 and oh yeah forgot the $3.15, which is now $93.15. Imagine that? You know the term of raping the customer, well heck, I can go to a check cashing store and borrow the same amount for 3/4 less and would you believe, they admit their fees are bad but heck, I haven't had one lie to me yet.


Quote:
Please be advised that payments are applied to all Chase
credit card accounts in the following order, as
applicable:

1. Annual Fee
2. Unpaid Interest
3. Billed Fees (These fees include overlimit, late,
balance transfer, cash advance, and credit life
insurance.)
4. Life of Loan Balance Transfers
5. Limited Time Balance Transfers
Purchase Balances (including immediate payment fees)
Wal-Mart Deferred Balances
Grandfathered Balances
Cash Balances
6. Unbilled Purchases/Unbilled Cash
7. Disputes


Little more deciphering to do here. Lets do it a step at a time:
Please be advised that payments are applied to all Chase
credit card accounts in the following order, as
applicable:

1. Annual Fee Now doesn't this beat everything. Heck, why should I be surprised, they said no interest till April 2006, why not lie a little bit more now and charge me an annual fee as well? Jeash, I got less hassle from my ex wife then this bank. (Well heck, id have said maybe she's working for them, but she got deported so that cant be)

2. Unpaid Interest Unfortunately, I don't have an icon yet giving the middle finger, nor the patience to draw one now. I promise Ill try to in the future. But Anyways, there isn't suppose to be any interest till April 2006. Guess they got that non English reader using that bicycle installation instructions again.

3. Billed Fees (These fees include overlimit, late,
balance transfer, cash advance, and credit life
insurance.) Remember what I said above about all those possible $30 fees? Well this basically states what I already told you about above. SO yes, the no interest, no fees for balance transfers, credit life (Life? OMG, I don't even want to know how bad they'll rape my spouse if I die!)
it all rolls down to this. Forgot it. They are going to charge you fees for everything before April 2006 or whatever your application states its not going to do but is.

4. Life of Loan Balance Transfers (not to long, I plan not giving them the satisfaction. Oh, this means all those above fees I mentioned possibly every month until you pay them back. Do you know, that if they so choose, the way their bicycle assembly system works, (Coughs) I mean their Trs 80s work is that if you even have $100 on it, by end of the year it can possible be $1080 in fees? Heck, pay them the $100 or whatever it is and cut, burn, bury, the card ASAP. (But don't tell them, their might be a hidden cut,burn, bury fee added)


5. Limited Time Balance Transfers. Please read number 4, I really don't want to have to type all that over again. Just looking at it makes my stomach turn.

5a. Purchase Balances (including immediate payment fees) Wholly plastic cheesedoodles Batman (No, I didn't ask anyone to say his name, let them complain to Chase if they want to. Its their fault IM writing this anyways) Ok, this little line just basically means your screwed either way whether you pay them off fast or late. Pay them immediately after seeing your going to get raped, you get raped.

5b. Wal-Mart Deferred Balances (Impressive, now I know which retail outlet NOT to shop at. Heck, didn't even know they have their own credit card. Feel sorry for all those people who probably thought they were getting interest free as well and probably getting ganked as badly as I.

5c. Grandfathered Balances
5d. Cash Balances Ok, I'm sure everyone has learned, unless its your own cash, not to use the feature of taking money at an atm from your credit card. Just $20 can cost you $50 plus.

6. Unbilled Purchases/Unbilled Cash (This must be those unknown changes on your bill when you see your balance one day is $230, and next thing you get your bill and it jumps to $680. One of those hidden (You didn't kiss up to us enough to only owe us $230). (ok, little childish here, but heck, I'm letting off steam here, they did cheat me)

7. Disputes (Forget freedom of speech. Moment I complained about their bad business on cheating customers ( we wont even mention their non English bank bicycle policy writer "Oh wait, they cant read this, so no worries") fact I am Disputing this, Ill get hit with some unknown dispute charge. )

Quote:
This hierarchy is established in the Cardholder Agreement.
We do not have the option of applying payments to a
specific balance upon request.


Basically, what this is saying is, "We don't know how to not charge interest despite the fact we said we wouldn't till April 2006, and since no one here knows how to upgrade our TRS80's well just hope no one catches this glitch. (Maybe people making 4+ mill a year wont, but someone like me who makes like $500 getting hit with a $90+ sure as heck will.

Quote:
If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Gloria (censored)
E-Mail Customer Service

Account is owned by Chase Manhattan Bank USA, N.A. and may
be serviced by its affiliates.


Basically the ending means if I feel like whining to them despite the fact they are still 100% wrong, I may do so, and that in turn their automated answering system will probably kick off 1 of millions of replies that have nothing to do with the message I sent. Heck, wouldn't be surprised if I actually got a response from it showing me How to fix an error installing UO. And it actually working too! (No, I didn't ask EA to say that either, but heck, more who jumps down chases throats, the better.