bad credit cards


	Name: SM New York, NY Complaint: I have a Chase MasterCard on which I usually make overpayments. This has not been a problem until recently. I make my payments online and it usually takes about 2 days to clear and then posted to my credit card account. With my last payment of $330 (minimum payment they ask for is $10) it took the same 2 days to clear. The difference here was that even though my account showed that payment was made and the payment was deducted from my balance, it was not reflected in my available credit. When I inquired about this, I was told that because the payment amount was more than usual, it was being monitored for non-suspicious activity and would not be added to my available credit for another week. This despite having my payment and making the deduction from my balance. My payments are usually $50 to $200+. Their response made me laugh -- what nonsense. It seems to me that I am being penalized for payment too much. Let's face it, the more I pay the less interest! they make from me. I'm still trying to get a response from them that makes sense.

	K.C. Rocky Labe Anaconda Mt 59701 EmailAddress: raja@earthlink.net Complaint: I was offered a Chase Visa and the offer was 7.9% . I applied and they told me if i did'nt qualify that they would find me on that I did qualify for . I said no , I just wanted the 7.9 %. Well two weeks later they gave me one for 18% , so i called and canceled and found out they gave another Credit Card of mine 1100 dollars..i Called my other Credit Card to give back the money and they still havent credited my account and it has been over 4 weeks....

	Anonymous Complaint: When I first applied for the Chase card... I was thinking..wow..I can use this to earn FREE airplane tickets. What seem to be SO simple turned out to cause me more headache and time. The customer service at Chase is the crappiest. They DON'T know what they are doing nor do they care. Within the last 3 months 3 times in a row they screwed up on my account. I have been charged fees for there mistakes. I keep calling to complain and fix it. They WON'T help or don't understand. My story with them is sooo long I'm not going to get into. All I can say is Chase is one of the WORST credit card companies out there. They DON'T value there customers. Nor do they care. This is one person who will NEVER use Chase again. And I will be glad to tell EVERYONE that I know about my frustrations with Chase.

	Cleda Pittsburgh, PA Complaint: I consider myself a savy credit consumer and frequently move my balance around (from a divorce) to benefit from lower rates. I currently have nothing over 3.9% for the life of the loan. I got an offer from Chase offering me up to $15,000 at .9% and 1.9% and 2.9% for lesser amounts until paid off. However, there was a big one time transfer fee of $150. I calculated that transfering about $6,000 (the last of my debt) for 1.0% would be worthwhile. Well they only transfered $1,400 and charged the $150 and gave me the 2.9% rate. Clearly not a good deal for anyone but them. I contacted them as soon as I was told the terms and was told too bad. If I wanted to ask for a higher limit I could and pay another $150! I've just got my first bill and have been charged an overage fee because the $150 fee put me over the credit limit they gave me! I intend to pay off the amount I transfered and walk away. I have no need for more credit so a bad report from them isn't a concern. Say NO to Chase.

	Hong Vuong 917 Park Creek ct gainesville - Ga 30504 Phone: 678-450-7306 EmailAddress: dcong@hotmail.com Complaint: Complaint: When I noticed my Chase credit card rate jumped four points, from 7.99% to 11.99%, I thought I had failed to make a payment, exceeded my credit limit or somehow had damagedmy solid gold credit rating. It was none of the above, Chase had simply raised my rate. The Chase customer service person I questioned said Chase had included a notice within one of my earlier credit card statements explaining Chase planned to raise my rate. Since credit card cram bills are full of sales offers, I seldom look at anything other than my statement, including Chase's rate notice. This is not a joke! In my ten years of using credit cards I have to give this Chase business tactic to screw customers the award for being the most unethical and deceptive credit card practice I experienced to date. With Chase leading the way I'm sure others will follow this criminal behavior. The only way to stop these shenanigans is to file as many complaints as possible before other credit card companies adopt this practice.

	Laurie Kapolei, Hawaii Complaint: My mortgage was sold twice and is now with Chase. I also have a visa card with them. I was set up for biweekly mortgage payments and monthly credit card payments through their online bill payment service. 6 weeks ago my house was broken into and my checks stolen so I had to close that checking account and open a new one. I tried to delete the old checking accoutn and add a new one on the Chase website. Now, 6 weeks later, I am still waiting for Chase to approve the new checking account and delete the old one. They are still taking automatic payments from the closed checking account, and then reversing them. The new account still shows "pending approval". I have been on the phone with chase every few days for the last 6 weeks, never less than 90 minutes per phone call. I spend half that time on hold and get transferred to 4 or 5 different people. Each time I call I am assured that I am on the waiting list to have my new checking account approved and it should take ! 5 business days. Now they assure me that I am on the "priority" waiting list and it will be approved in one or two days. I have asked to speak to a complaint department, they tell me they only take complaints by e-mail. I have e-mailed my complaints but have never received a response. I have asked to speak to someone with more authority and one time actually spoke with a supervisor but her only advice was to make a payment by phone and wait for them to approve my new checking account. I did not choose to have my mortgage through Chase and apparently they think that once they own my mortgage they own me, and do not have to do anything to help me. I am now looking for other sources to help me with this problem, because I obviously am not going to get any help from chase.

	Linda NY EmailAddress: fofa@localnet.com Complaint: Chase Platinum MasterCard just raised my interest rate from 11.99% to 23.24% on a balance transfer that started out at a very low percent and then was raised to the 11.99%. I have never made a late payment and they indicated I was notified in my last month's statement. I don't read everything that is stuffed in the statement unless it is on the bill. I can't get anywhere with them. My credit is good, I do not make any late payments with any payments. They said I had a certain period of time to notify them and that the time had passed. I was not using the card, just paying off the balance transfer. I am trying to find what consumer agency I can contact about this to lodge a complaint.

	Joe Kuehler EmailAddress: jkuehler@cetlink.net Complaint: The Chase Credit Card Co. seems awfully arrogant to me. I can tell you, I have had problems paying this one off. I have a family and the recession did a number on us financially, but I pay this stuff back as best as I can. Currently working on a credit consolidaion program which takes a couple months to get going, so I have been paying these folks the bare minimum until I can get all into something I can manage. I was delinquent on payments to Chase Bank. They called the house, I set up a payment arrangement with them. On August 20th they would debit my account for the payment we agreed to. The 20th came and went, and, apparently Chase never withdrew the money. So August 25th comes, and they call again. My wife speaks to the man who asks her why we didn't pay on the 20th as promised. After some investigation there on the phone, Chase finds out they entered the wrong account number so were unable to withdraw funds. Their mistake. We still get dinged however with the late payment. The man puts a lot of pressure on my wife who was adamant about not paying anything that day. We did not have the funds at that time. In other words, Chase MAY NOT withdraw funds from the account. That doesn't stop Chase, though. They go in there and withdraw funds anyway. Not only do they withdraw funds after we told them they couldn't, they dated their check for the 20th, five or six days before they actually withdrew it. The agreement made was voided by their mistake. Not only did they breach an agreement, they stole money from my account and falsified information on a check used to take the money from my account. Don't like Chase Credit too much anymore.

	Joanne EmailAddress: joanneorlonnie@wmconnect.com Complaint: I want the public to know about Chase Walmart Credit card. Unfortunatly they send important information in with there billing statement and if you don't read it or call them they raise your interest rate and change it from a fixed to a variable rate. I was traveling and my daughter was paying my bills and was unaware of this information. My interest rate was changed from a 9.99% to over 19%. Is there anything I can do? They state that they will not change it. I have cancelled my card and also my Bank One care as they are owned by Chase. I cancelled by Chase Walmart card over a year ago because of the same treatment. What a scam. For some reason the people that pay bills on time and don't go bankrupt are being penelized. My suggestion is that if you have one of these cards or a Chase card is that you cancel it. That is the only way they will get the message that people don't like their policys of putting important information in a billing statement. They could of s! ent the info separately.

	Nancy fl. Complaint: we have had a credit card with chase for quite some time--good rate--everything fine. Tomake a long story short, we got 2 months behind in our payments. I paid them up to date, but , of course, they raised my interest rate. I could understand that, but 26.49%--is this legal?

	David P. Sharbutt 13512 Murphy Hill Drive Whittier CA 90601 EmailAddress: dpsharbutt@hotmail.com Complaint: Chase Bank Freedom Card just sent me a notice that they are raising my APR to 28%! I have excellent credit and have never made a late payment - I gave them the Donald Trump treatment - THEY ARE FIRED!

	Gail Complaint: I am absolutely livid with Chase Manhattan Master Card! Talk about major abuse! December of 2001 my first conflict came when they raised my interest and getting no satisfaction I transferred by balance. Two days later a supervisor contacted me and offered me forever 5.99% if I would transfer the funds back. I have that letter. I have been using that card as my business card. In more of a hurry than usual in August I did not notice that my interest rate had jumped to 23.9%. In September I called and was informed that although I had never been late, never exceeded the limit this was now my interest rate. Why? Because the report they recently obtained showed that I had an excessive credit card debt and I had no more credit available. In other words I had no choice but to accept the payment they gave me of $102 and $100 of that was interest! Well, excuse me Chase Manhattan - you are wrong you do not get to steal from me - I immediately transferred my funds! Today, I called because I am due a large credit on that account and will use it to pay off subsequent charges, and keep them from receiving EVER one more dime of interest from me. Guess what - they have raised my credit limit, without telling me, from $10,000 to $12,000. Oh, and here's the glincher like another person on here, they claimed they sent notificition that they were going to change this interest rate and it was up to me to send it back if I did not want it...well, please point out to me any idiot that would opt to go from 5.99% interest to 23.9%! One more note on this saga of total stealing - I get a letter yesterday telling me they have been purchased and the interest rate is going to 28.9% - they have not heard the last from me - this company needs to hear from a whole lot of people!

	steve pa Complaint: chase credit card my account was closed by me for 2 years, with balance remaining, at 12% never been late, always put extra on and this month statement came in with no warning at 26.75% i made a call and was told a deliquency showed somewhere on my credit report and they could do what they wanted. also was told could not ajust my % down because the account was closed. so how could they raise it up

	Leila EmailAddress: Lilita31@aol.com Complaint: I am very upset with Chase. They raised my interest rate from 10.99% to 23.49%. I called to complain and they said that there was nothing that they could do and that they notified me in a previous letters. I went through all of my letters and I couldn't find anything that notified me of this. Then, I paid the majority of my balance (except for $350), so I expected my interest to be really low. Instead of charging me interest on my balance, they took the difference between my previous balance and current balance and divided by 2. This makes me really angry and after this month, I will no longer be a customer.

	Cancer victim, Chase Card Victim Complaint: My wife and I both, unfortunately, were diagnosed with very serious types of cancer within a two year span. We were both unable to work while we received chemo and radiation treatments and it was a tremendous financial hardship for us, to say the least. Our credit went from very good to very bad, in a hurry. We contacted our creditors and almost all of them were more than kind and gracious and lowered our interest rates and payments for the life of the credit balance, except for Chase of course. They will not budge and show no consideration of our hardship or struggle with medical bills. They are still sticking us with the 26.75% rate and payments that don't allow the balance to go down one bit. The best part is that when we receive the collection calls they are from employess in India! They can't even try to pronounce our name and they have taken jobs away from people in our own country. I won't even talk to them. I tell them to have someone call me from the U.S. What a rip. They charge interest rates that are equivelant to loan sharking and then outsource to India for cheap labor to harass their customers. What a crock. I hope I live long enough to pay them off but I doubt that my longevity is going to be 210! Beware all you people out there this could happen to you and through no fault of your own, Chase will become your worst nightmare.

	Jo Anna I am speaking with a consumer rights lawyer who is interested in starting a class action based on my dealings with Chase Visa. I noticed your note re litigation on the website, and he too,said that the problem is that it is too expensive for an individual to pursue these seemingly illegal issues. However in my case there is a provable bait and switch re a transfer check that was posted and the rate never given, while the APR doubled because I had amassed additional debt--talk about getting you coming and going. I noticed you have a litigation area, and would like to know how I might post there. From what I understand, it only takes one person to start a class action, but the more the merrier...and there seem to be a lot of us out there.

	Debra Complaint: 12-15-04 Just like everyone else I too have been screwed by Chase. I make all payments on ALL debts not just Chase, before they are due and my rate was raised to 23.9% for no good reason.I called and spoke to CSR who basically told me that rate was raised because of information in my credit report which amounted to "you have too much available credit" and that's why we raised your rate. They claim that they notified me but I saw no such notice. There should be laws against this kind of thing, hey maybe we should pay lobbyist and get laws passed to benefit us little people too. I closed the account and paid it off with a balance transfer. I had been a great customer of theirs since 1999 and I guess I wasn't really as "valued" as they say I was. Go figure.

	sara Riverside, california Complaint: My complaint seems to read like all the others: Increase interest rate based on high credit limits ON OTHER CREDIT CARDS regardless of the payment history or balance on THEIR OWN CARD; secretly notifying you of a rate increase; refusing to reassess their interest rate even after you have requested this be done (after all, they are the ones AUTOMATICALLY receiving credit information from credit bureaus...they call it "information sharing" because they cannot "pull" a credit report on you every month); and arrogant as they can be since you don't have a leg to stand on since you agreed to these terms upon accepting their credit card. I have to admit, I did not read the super fine print, but I had no reason to believe that this unethical practice would occur. I have had many credit cards in the past and NONE of them have based my interest rate on another card's credit limit or repayment. I'm back on track financially after buying a new house and making many purch! ases. The first card to get the boot will be CHASE. I would be happy to help in any action against CHASE.

	Gary in Kentucky Complaint: BEWARE OF CHASE MASTERCARD. They have made several mergers recently and are using cutthroat tactics to increase profits on their cards. Chase Mastercard will hook you on a low rate offer, like most credit cards do. But where Chase differs from other cards is in their aggressive billing tactics. Chase will suddenly raise your rate as much as 10 percentage points. They have agreement clauses that allow them to do this without providing any notice or justification. They also have a curious tendency to claim they never received your payment if you send checks in the mail to them. They do this somewhat randomly to avoid suspicion or obvious patterns. But the finance charges and late fees they collect by doing this amount to millions of dollars each year. Also, by claiming they did not receive payment, they will place you in violation of your original agreement. In this way they can further increase your interest rate or switch you from a low fixed rate to an exorbitant! variable rate.There is no recourse for consumers.

	Damien The Woodlands Texas EmailAddress: djbrehaut@hotmail.com Complaint: We had a chase card with a fixed rate of 5.99% one day we noticed our balance had jumped overnight. We rang and inquired about the balance jump and were told they were finance charges ($182) because our rate had gone from it's original 5.99% to 20.99%. We asked immediately how do we opt out of the interest rate hike and we were told that we should have receive notification of the changes with the option to opt out in that notification, we never received any notification!!! Customer service gave us two address to write to and request to opt out of these changes which we did, however, we were rejected on the grounds that we had missed the deadline, a deadline we knew nothing about!!! After reading some advice we filed complaints with the BBB, the OCCC, OCC and our states Attorney General sending a copy of the complaint to Chase as well. We did this on a Friday and on Wednesday the following week chase executive office rang us and informed us that they had accepted our delayed opt-out locking in our 5.99%, adjusted all finance charges and closed our credit card. Don't accept the advice of the dead heads in customer service.....

	Barbara Ramsey 32431 HIDDEN VALLEY RD. LEBANON OR. 97355 Phone: 541-258-8148 EmailAddress: ramsz@csco.net Complaint: Chase master card has consistantly , on the average of once every two months failed to post my payment by the due date. They say it wasn't received on time even though I mail it twent days in advace of the due date. This "late fee" is $35.00. I cancelled the card because of their crooked practices. I have continued to pay off the card. Since then they have raised my interest rates to 27.24% from 18%. I have tried to explain to them that I want to pay what I owe, which is less than 4000.00, but they are making it impossible with their absurd charges. My mothly interest rate is more than the payment amount, and if I were to be stupid enough to pay only thr interest they would rack up additional charges. Isn't there some legality that will force them to desist in their thievery.

	Jason EmailAddress: jayson39648@yahoo.com Complaint: Well, i have read the complaints and mine is the same.. I had a low intrest rate on my citi card and also a chase card.. i kept everything up to date. However, i was late on my truck payment which is finance from someone else.. had nothing to do with my credit cards.. well you guess it, they pulled my credit report and decided to hit me with a 29% intrest rate.. it was around 6%.. soon after chase decided to do the same.. My question is does anyone have a clue what to do about this.. i am not paying this..I am not worried about my credit rating..the only thing i'm worried about is them trying to take my property... i have 7,000 balance on citi and 5,000 on chase.. Can anyone help me and tell me what to do.. i can not transfer the balances... the main question is besides screwing up my credit.. can they do anything.. Take me to court? that would be fine with me as long as i get to tell my side of the story, i don't think any rational person would even try to pay a loan at 2! 9% back.. i'll just be throwing my money away.. thanks, Jason

	Jim Dixon Roanoke, Virginia EmailAddress: jdixon@cox.net Complaint: Chase Credit Card Services are not trustworthy. I've cancelled my accout as a result of chase's poor service in the last couple of months - just wanted to post a warning to others. In regards to their credit card services, Chase seems to exercise dishonesty by policy. After 6 years of on time payments, they hit me with $35 late fee after a slip and a one or two day late payment. I called to cancel - figured I deserved better after being a good customer for so long. The account rep offered to credit my account for the fee and a better rate to keep me - but with a $45 annual fee. I said no deal - I wouldn't have an account with an annual fee. So he waived the fee. I asked for the terms in writing. He agreed. The terms I received included the $45 annual fee! So I called and told them I wanted the correct terms in writing. The "service" rep copped an attitude and said that wasn't possible, I could just call to confirm the terms. She had such an attitude that I didn't persist, I just called back the next day and ask for a supervisor. The supervisor sweetly pretended not to have any idea about what I was talking about. Fine - then just close the accout! Oh - I do see that so-and-so agreed to no annual fee. She then tried to divert me from getting the terms in writing by trying to sell me on yet another option. I cut her off and told her I had called to get the correct terms in writing - could she do that? I did't want to discuss anything else. So she relented and said she would forward the correct agreement. Which never arrived. I closed the account and will never do any type of business with them. Suggest you don't either.

	roberto NY,NY 11103 EmailAddress: noktern77@hotmail.com Complaint: My complaint is Against (Chase) - As a freshmen at Iona College in New Rochelle, NY I was conned by the Chase Credit card company. They approached a financially uneducated teenager with a marketing scam that was hatched up by high priced lawyers and consultants. Here it is, in all its' wonderfully destructive and predatory glory. They approached me with the free gift tactic (T-Shirt,Mug,Hat,Frisbee...etc.) you sign up for their credit card and you get the gift. This is called baiting or hooking, this is the lure Chase uses to get you to the table. It's exactly the same technique used by the predatory Drug dealers lurking at playgrounds filled with innocent and unsuspecting children. That is just the first part of Chases' deceptions. The next Ques. asked is "Do you have a job?" My answer was NO. Right then and there i should have been turned down asked to walk away, but no instead they asked me "How much money do pay Iona annually?" I told them how much and they gladly told me "Put that amount down as your! income." I still to this day can not believe or accept that this pratice was allowed to occur by our government and our so faithfull to the people OCC. I believe that anyone acquired under this disingenuous entrapment should be refunded their money. Just because Chase and companies like Chase have found a way to through whatever leagal terms or contracts they conjure, doesn't mean it is just. These companies are operating strictly on a predatory basis, their only objective is profit at whatever cost to you. It is the year 2005 and i am still being taken advantage of by a Chase through a Credit Card Given to me under the malicious and destructive practice explained above in 1997. My credit limit was $1000 i never even used that much but yet to date i have paid chase a ballpark of about $3000+ in intrest and over the limit fees. I have yet to touch my actual balance. In the age of credit you can not buy a house, rent an apt., get a cell phone, in some places you can turned do! wn for a job without a good credit score. So i just wanna say Congratulations Chase and Partners for destroying yet another life as you make a ridiculous amount of money. - Chase and companies like Chase need to be made liable for what they have done. They should be dealt with like the criminals they are. The only way that is going to happen is through a unfied group of victims being lead by a just group of lawyers. It can be done lets stop wasting time and do it!

	Anonymous.. Complaint: I was offered a chase mastercard with a 7.9% fixed rate, couple months later they raised my rate to 28.99%. I owed proximally $1,100.00 dollars on the card, so I called them up to see why they raised my rate because I never made a late payment with them and never went over the limit. I make all my bill payments through my computer so I am pretty good at paying all my debt. So the women on the phone says the reason they raised my rate is because I had to many credit inquiries on my credit report. So I said screw this I paid them off in full and closed the account. The next month I get another bill from them for $20.30 and that was because I forgot to include the ridiculous payment by phone price of $14.95 and they had also raised my interest on that bill, went from 28.99% to 29.24%, they wanted to milk me everyway they could since I closed the account. By the way I ran my own credit report and the there were 4 inquiries made and that was because I was purchasin! g a car and had to go through couple banks to get a good interest rate. 2 months later they send my mother an offer for a Chase credit card with a 0% intro then a 7.9% fixed APR, I warned my mother... Well, you know where that offer went........(you're right) in the trash! and so will many others after I tell my friends about Chase and reading all these complaints on this board made me hate them even more. Chase better get their act together.

	eric Complaint: Chase Bank is overly greedy.I have had their credit card since 1982. I was never over the limit, never late.Because of this I had a"preferred account." I was the victim of identity theft.someone opened new credit cards in my name... then (of course)defaulted on the payments.My preferred account with chase jumped from a 3.9% life of the loan to a 27. I was able to prove my innocence and correct the fraud. I sent chase my corrected credit report & requested refund of the difference between the 3.9% & the 27% ($100's),since I was innocent of the default and did not break any card member agreements. They gave me the run-around for months pretending that if I jumped through all the right hoops I would be refunded my money.However, after I did all they asked,they refused! They took me out of the preferred card class and left me with a rate of 19.99%.PS:The other Credit card companies had refunded my money months ago& returned my rates to the original PSS Thank you "badcreditcards.org for providing this service

	Complaint: Message: Hello xxx, 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, Russell Pereira E-mail Customer Service Representative Account is owned by Chase Manhattan Bank USA, N.A. and may be serviced by its affiliates. Original Message Follows: Thanks for your email. I will now write several articles in well known consumer reviews web sites about your predatory practice of locking in the customers who you think cannot pay off thier accounts due to high balances with 30% interest rates. I will do EVERYTHING to make this predatory practice known by both consumer rights groups and the public in general. I am extremely dissatisfied with this. Message: Hello xxx, Thank you for your request for a lower rate. At the present time, there is no lower interest rate available on your account. However, accounts are periodically reviewed for promotional rate sales and we request you contact us in the future. If you have any further questions, please reply using the Secure Message Center. Thank you, Russell Pereira E-mail Customer Service Representative Account is owned by Chase Manhattan Bank USA, N.A. and may be serviced by its affiliates. Original Message Follows: When I got this credit card, my APR was about 14%. The APR has been raised consecutively for 6 years, until it reached 29%. I have not made any late payments in the last 12 months, and yet my requests to lower this APR were hot honored. The reason for this was that I had $5,900 balance on my account for about 4 years (with only $100 available credit), and Chase assumed that I was unable to pay it off, therefore since I was effectively locked in with this high balance, my APR could be raised to an arbitrarily high value, without any danger of losing me as a customer, short of me stopping making payments all together. At the same time, other Chase customers who have low balances and have higher credit limits enjoy much lower APRs, since Chase is afraid of loosing them, because they can pay off and close their accounts. Please lower my APR now to 14%, or this account will be closed. Also, I am a prominent member of web logging / news community. The predator practice to hike APRs to 30% for people with high balances who under Chase assumption are in financial trouble and unable to pay off their balances in full, and thus are locked in with Chase, will be exposed in the internet in several high-traffic web logs and in several popular consumer sites. This will create negative publicity for Chase credit card division..

	Another one abused by Chase Complaint: Chase has done the same type of stuff to my husband and I. My husband was having a cancer operation in December of 2002 and they stuck one of those lovely interest rate hike notices in with all the other stuff in their monthly billing. Didn't notice it. Our interest rate jumped from 12.15 percent to 22 percent. We refused to pay, they put us on a flex plan. (Warning don't waste your time with this one) They reduced our interest rate during the flex plan to 9 percent but after a full year of paying they hiked it back up to 22 percent again. So, after over a year of paying it was for nothing. If we'd just not paid and they had done a charge off on it, we'd only have 5 more years to go with it on my husbands credit. But, because we tried to do the right thing, we are worse off. We are currently not paying. Incidentally, the ONLY reason they state that the interest rose is because the amount of our debt. Never mind the fact that in over seven years of doin! g business with them, we were only late when we refused to pay because of their interest hike. I'd love to join in a class action suit. These people are real rip off's. My advice is very simple. DO NOT DO BUSINESS WITH CHASE. I have a credit card of my own with them and I'm going to cancel it. I just simply do not trust them at all.

	Chase/BankOne unfair Complaint: Since the Merger Our credit account with Bank One has seen a rate increase of 250%. I called a wanted an explaination. My wife and I both have credit scores of over 750. All accounts reflect never late. The Chase representative said that based on information on our credit report they felt their risk accounted for the change in rate. Wow! I will never do business with Chase or Bank One Again. Don't think this can't happend to you. Our credit is flawless, we own our own home and have one <300$ car payment. With an annual income over 95k. Chase is out of their mind if they think they can simply double your rate at their whim. No Thank you!!!

	Burks EmailAddress: dburks7091@verizon.net Complaint: Another one duped by CHASE. Responed to a offer of 0% interest on balance transfers , was approved for the card, transfered the balance , now I'am getting charged 20% interest, because they said, EVEN THOUGH I WAS APPROVED FOR THE CARD, I was not approved for the balance transfer, AFTER THE FACT.Is there anything I can do about this. Signed Watch Out

	Anonymous Complaint: I have severeal credit cards,and have used all of them. I have had chase bank for twelve yrs.My payments have always been on time when ireceived the CARD i was in debt however they gave me all the credit whichnI have used.I am paying them on time and % has gone up from 7% to 29% because I have used the credit. I think thats why I got the card,in of order to use their credit. why aren"t our congressmen and senators doing something about this.? they know what is going on. The credit card companies are against bankrupcy and trying to change the law so that people will go on welfare . we will soon be living like communists ,due to the fact the majorit will have no where to go.thes card companies should be looked into or are they above reproach .I am tired of being ignored by people we"ve elected. there got tobe achange in the laws.

	Geri New York EmailAddress: gerialex@aol.com Complaint: On my Chase Platinum account they offered me a lower finance charge than what I was paying if I transferred balances from other cards. It should have worked out much better for me because the other cards had very high rates. Well, this never happened. They took balances from about 4 store credit cards and gave me a rate that was no different than what I was paying on my highest card. Since the balances were tranferred over three years ago my finance charges have steadily been going up. I cannot use this card. I am only paying off the balance. Every month that I am able to I pay double the minimum plus $40 over the finance charges so that I can get the balance down. If I am not able to do that I always pay at least the minimum plus the finance charge. I find that month after month, even though I do not use the card, my minimum charges and finance charge are higher than the month before. My minimum payment now, three years later, is just about the same as it was when ! I started. How can this be? I have never used this card. I only transferred balances for the lower finance charge which I never got. I pay my bill the same day I receive it. I am never late. Between the minimum balance due and the finance charges last month I paid $550. This month my minimum payment due is higher than the last statment and the finance charges are higher as well. I just sent them a payment of $650. I wonder what next month is going to be like? Aren't the payments supposed to be getting lower? Right now my finance charge is up to 27.49%!!! I am never going to finish paying off the balance. I have another card and the charge is now up to just over 29 point something %. Strangely my monthy finance charge is only 1.00 less than my minimum due. It is like dealing with a loan shark. By the time I have finished paying off the almost $12,000 balance I will have payed them over $25,000. I was told when I transferred my balances that after six months of k! eeping the account current I could request a reduction in the finance charge. I have called Chase a lot of times to request a reduction. The answer is always the same. They do not have any plans with a lower charge. This time I asked again and was told that they were not making any changes because of the upcoming merger with Bank One. I asked for an explanation as to why my finance charge and minimum payment are higher this month than last month and was told that there had been a .25% INCREASE as of March 29th. This is such crap. They cannot lower rates because of the merger but they can raise them. This is a scam on the highest level. I am not a financial wizard and I cannot claim to know much about finance charges and crap like that. I am just a person trying to pay off my card. They contacted me about transferring my balances. They guaranteed me that I would get lower rates than I was currenly paying. I sent them the statements of my other cards and they were s! upposed to give me something better than what I had. What they did was take my statement with the highest finance charge and ignored the other ones that had lower rates and applied only a 1% reduction from what I was paying on my highest card. I am paying a higher rate now than I was before I tranferred the balances and this is after keeping my account current this whole time. They have held me hostage ever since I transferred the balance. It is a shameful practice. I had two other Chase cards and tranferred the balances to my Discover account at a great rate which will never change unless I am late on payments. As soon as I pay off that balance I will be tranferring the balance from my Chase Platinum and I will never accept another Chase card ever again. Who can we report these thieves to? Thank you for listening to my rambling. Geri

	Tim MN Complaint: I have a card with Chase which had merged with Bank one which had bought out FirstUSA. When I first had the card with FirstUSA in 2000, I had no issues. Everything was just fine. Just recently after the merger with Chase, my APR went from 9.99% to 26.49%. When I called and asked the reason why, they gave me different stories. I asked if the rate could please be lowered -- in a nice polite tone. They refused and said 26.49% was the best rate they could give me. One rep said something about me being "too risky". Yes, my balance was getting alittle high but my payments were always on time. They did say something about me being late on a payment -- I did not remember paying late. I did not remember being warned about them increasing my APR. They have no reasoning or ethics or morals or values. I was finally able to payoff the balance, after refinancing my home. I told them to immediately close my account and I will never do business with Chase/Bank one again!! I did file a complaint with the Better Business Bureau and will also do so with the state attorney general's office. I do not expect to receive any money in return. My hope is somebody reads this or my complaint letters and learns to STAY AWAY from Chase/Bank one!! They will leech off of you and will never show mercy. All they want is your money, they do not care about you or your situation!!! They do not care if you were a good customer. What kind of screwy business relationship is that?!

	RP Pittsfield, MA Complaint: I purchased a desk described to be flawless from an eBay merchant which was charged to my Chase MasterCard account. Upon receipt and inspection of the desk, I discovered that the item was damaged and in poor condition. Clearly the merchant had misrepresented it's condition. After numerous unsuccessful attempts to resolve this with the merchant, I turned to Chase for assistance. I entered into an electronic agreement with Chase, to dispute the original charge online. The terms of said electronic agreement provided that all communications with Chase with regard to the disputed charge would take place via e-mail. I consented to receiving electronic communications at my e-mail address in connection with my dispute. Over the next 3 months, I subsequently provided all related disclosures, responses, and transaction records requested by Chase through e-mail as required by the legal agreement. I then received an e-mail from Chase stating the disputed amount was removed from my account. 3 months later, I was notified electronically by Chase that a letter allegedly dated a month earlier was sent via regular postal mail to my home address. Allegedly, said letter contained the merchant's rebuttal and requested my response in writing within 2 weeks. Significantly, I never received the alleged letter. Moreover, the alleged letter was contrary to my prior agreement with Chase and thus in breach of my original agreement with Chase that all communications with regard to the dispute would be done electronically. At no point, did I withdraw my consent to the receipt of Electronic Communications. Furthermore, the fact that I did not receive the letter precluded me from responding within what I was told after the fact was an allotted period of time (10 days). Chase then unilaterally placed the charge back on my card. The only Right Relationship Chase is concerned about is their relationship with themselves. They are by far the worst credit card company I ever had the displeasure of dealing with. Stay away from them!

	Rich Complaint: Question: What do you get when you subject an entire population to rapacious usury practices which can be changed on a whim according to no visible rules whatsoever? Answer: You get violent revolution. Millions of Americans are suffering under the tactics used by credit card companies to bilk them out of their hard earned dollars. It wasn't so long ago that it seemed like businesses had to play by certain rules. Yes, people should be careful with having too much credit debt. But, it seemed as if certain rules applied to how the companies could behave. As little as 5 years ago, an APR of 27 percent would have been seen as virtually criminal. Now, it seems as if it's becoming the norm. My own experience with Chase in the last couple of days has seen my APR go to 27% for no apparent reason. It's not often that you see so clear a connection between Big Business and Government. Congress is so clearly in bed with the credit card companies that it's almost laughable. If it weren't so serious. Does Congress expect that Americans will continue to sit idly by as they take away any rights to fight outrageous credit policies. I do not condone violence of any sort. However, I can see many others turning away from civilized behavior out of frustration with a system that tramples on their rights so obviously. What's to stop a man who's been struggling with debt for years, can't declare bankruptcy without being a serf to credit card companies, has no legal recourse, and has the credit card rules constantly changed on him -from completely losing it and going beserk. This kind of Congressional/Business marriage is the sort of thing that creates Unabombers and Timothy McVeigh types. I urge Congress to think about the long term effects of their actions. Yes, maybe bankruptcy laws need to be reformed. But the causes of many of these bankruptcies are the borderline illegal practices of the credit card companies themselves. Why not reform them?

	Neil Campbell San Antonio, TX 78258 EmailAddress: nmcampbell1@satx.rr.com Complaint: I have had a really bad experience with Chase when they bought Bank One (SWA airlines) credit card biz. They gave me a notice that the interest rate would be raised to 19.9% from 13.9% - I could opt out of this by giving them written notice by a given date. So I sent them a registered letter several days ahead of the date but the Post Office took 8 days to deliver so they upped my rate to 21.4%. Clauses in the fine print allow them to practice this shoddy type of business. While I was trying for free tickets I oftened took SWA even though other airlines had much better connections and sometimes even a better price. I will pay off the balance as fast as I can and warn all about Chase and the fine print! When you see those free T shirts at the kiosk in the airport "They ain't free!!"

	Anonymous Complaint: I keep reading about Chase raising the interest rates 'up to 10 points' -- they raised mine a lot more than that. I got this card originally through AOL (FirstUSA) at 2.9% interest for 6 months and then up to 9.99%. In no time Bank One bought it out and it jumped up to 23.99%! More than ten points! Then in comes Chase to buy it out and it jumped to 29.40%. I couldn't afford it, so transferred my balance 2 months ago. My reward for having a zero balance? They raised my interest rate to 44.21%! I can't be the only one who has this rate, can I? Anyway, I haven't used the card -- who can afford that rate? I am sure local loan sharks could get me a better deal. I have called over the years (to Bank One and now to Chase) each time my interest was raised and am told I am 'high risk' because of owing a lot to credit cards. Yet I pay on time and don't go over the credit limit -- my credit report is very good. I don't see how they can legally do this. The cust! omer service at Chase is as bad as at Bank One -- they practically smirk and laugh at you and seem to think it is amusing that they won't lower the rate back down to something fair -- especially when you've been the perfect customer. It's like they enjoy being able to tell you that even though you've paid on time they can do whatever they want. I want to get out of debt so bad. I haven't been charging anything lately, just concentrating on paying things off before my other credit cards start doing the same thing to me.

	ANGRY LEESBURG, FL EmailAddress: cbritt3876@aol.com Complaint: Chase/Bank One has got me steamed. I pay on time. On one occasion they charges a late fee when it was First USA 3 years ago. I had 2 accounts, mailed on the same day, but one posted late. Later First USA was made to pay account holders because they had fraudulently posted late payments. Then comes Bank One no problems. Now Chase/Bank One has not only upped my APR to 24.24% last month and this month upped it again to 29.49%. Their response... You were notified of the changes. They must want to make some quick bucks then have everyone to close their accounts. THERE MUST BE SOMETHING WE CONSUMERS CAN DO.

	S.K. Complaint: Chase Credit Card Company took over my Bank one Credit Card....I had been paying over the minimum requirement for several years. When my mom died I was paying her bills and my bill and I paid one of her bills by mistake. I called when I realized what happened and I made two months of payments to catch up. The following month they raised by APR from 7.9 to 26.5%. They would not consider lowering this rate for any reason. When I called to pay the final bill and close they account they could not give my a final amount....ie interest would continue to accrue through the end of their billing cycle. In my opinion they jack up their rates without justification and those rates are tanimount to useary fees! I would not recomend ever dealing with Chase for any reason whatso ever

	R.H. EmailAddress: duke1212b@hotmail.com Complaint: DEAR CHASE (BANK ONE) I AM WRITING TO APOLOGIZE FOR MY USE OF CREDIT. I SEE NOW THAT ALTHOUGH I HAVE NEVER MISSED OR EVEN BEEN LATE WITH ANY PAYMENTS TO YOU OR ANY CREDITOR. THAT I HAVE A RECORD OF PAYING OFF CREDIT DEBT COMPLETELY EVERY COUPLE OF YEARS. AND I HAVE MORE THAN ENOUGH INCOME TO COVER MY DEBT. THIS DOES NOT INFLUENCE YOUR NEED TO JACK UP MY INTEREST RATE BY 200%! I WANT TO THANK YOU FOR MAKING MY DEBT EVEN LARGER! I ASSURE YOU I WON'T BE USING YOUR CARD OR COMPANY EVER AGAIN! I AM CURRENTLY ARRANGING PAYMENT IN FULL AND RETURNING YOUR CARD IN PIECES. I AM SURE THAT BY DOING BUSINESS THIS WAY YOU WILL ENDURE YOURSELVES TO THE BANKRUPTCY ATTORNEYS AND COURTS I HOPE YOU GET YOUR CUT ! SINCERELY, R.H. ENGLISH

	Pat EmailAddress: pdunn62808@aol.com Complaint: I have never been with any company where you are penalized because you made a payment several weeks early of the due date. I made a payment on my credit card earlier in the month through an online service before the bill was actually received in the mail. Upon receiving my bill I had a late payment fee on it. I called the company to discuss this with them and although it was received between the billing due dates they only care about the fact that the payment arrived before they send the bill out (causing two credits to be printed on one bill). I have another credit card company that I send in my payment early and has never penalized me for that. My personal feeling is that Chase defrauds their costumers and has no respect for customers. That is evident by the back of the bill that under payment allocation states "We will allocate your payments and credits in a way that is most favorable to us." That is exactly what they did to me. Managed to get themselves! extra money by charging a late fee because I paided 4 weeks early as well as an exorbitant credit card interest because of what they consider to be a late payment. I will never have any dealings with this credit card company again.

	Anonymous Complaint: 06 May 2005 I've had a BANK ONE Visa card (Amazon.com rewards) for several years and never had any problems. When CHASE bought out BANK ONE, things changed: -My interest rate went from 0% the first year, 8.9% fixed for at least two years, then to 11.9%... Now that CHASE owns my card, my rate is 29.49%. -I make payments of between $100-$300 per month and never carry a balance of over $2500. I make my payments on the first of each month. I have always done so with no trouble. Now that CHASE owns my card, I was somehow credited for two payments in one billing cycle and none in the next, indicating a missed payment! -When I called to find out how I could have a missed payment when I pay on the same day every month and have never missed a payment, I was told I payed "too early" and why didn't I pay closer to the due date? Rude customer service at CHASE! -CHASE did promise to remove the $39 late fee from my account but they weren't very nice about it. -CHASE readily agreed to change my due date so that my payments wouldn't come in "too early" but it was I who had to request the change; despite hearing the reason for my trouble, the customer service representative did not offer this simple step as a solution. I do not recommend CHASE Visa cards. As soon as I confirm the removal of the late (early) fee, I will be canceling my account.

	Art Complaint: I've had a Chase Platinum Mastercard for over 10 years. I carried quite a high balance and always sent in my payments on time. My interest rate was 7.9%. The ideal and very profitable customer for Chase, wouldn't you say? I guess they couldn't get enough of a good thing because they sneakily raised my rate to 15.9% on my last statement. I called customer service (somewhere in India now) and was told there was nothing I could do about it, and that I was sent a notice in the mail a few months ago about a recent merger involving Chase and that was the reason for the interest hike. That notice must have been buried in the legal jargon in 4 point font on one of those notices of changes. Anyway, there was something I could do about it. I paid off the outstanding balance, cut up the card and closed the account and, furthermore, will never do business with any of Chase or its subsideraries.

	Raphaell Seattle, WA Complaint: Is Chase The New Enron? I have formal complaints against Chase Manhattan Bank pending with the Office of the Comptroller of the Currency and my state Attorney General, and I am in the process of searching for an appropriate class action suit (good possibility coming out of California, where a bait-and-switch class action has recently been filed against Chase). My short story is that Chase raised my 3.99% APR "for the life of the loan" to 24.47% overnight, with no notification or justification. I have been a Chase customer in good standing since 1985 (!). I also have an excellent credit history/report. All direct communication (such as it is) with Chase is pointless. I have called them 6 times and sent 2 letters; their response to my concerns is that they have made a unilateral decision and will not look at my credit history/report, my assets, my income or my ability to repay them, and they will not offer any venue for appeal, dispute or arbitration. What's up at Chase? Key people are mysteriously leaving, huge lawsuits are sprouting like mushrooms after a rain ... and there is a major rush to get cash into the Chase coffers by gouging credit card consumers and others with usurious interest rates. Has the $58 billion merger of JPMorgan and Bank One in July, combined with a spate of other disastrous decisions at the corporate level, put Chase on the ropes? Yes, Chase is very large, but it is not invulnerable ... look how quickly the Soviet Union fell. Someone (to remain unnamed) at Chase is in one helluva hurry to find some ready cash. And consumers are footing the bill. A few candid Chase employees verify that thousands of credit card customers are being pressured by a new "marketing strategy" to pay off the entire balance on their accounts immediately. This is laying waste to the Chase consumer credit base ... it's killing the goose that lays the golden egg. Indications are that this is not just corporate greed run amok. Some individual(s) at Chase are trying to cover a huge pile of s...t with an even bigger pile of cash. Does anyone out there have the time and energy to do some Internet digging and find out what's going on?

	Anonymous Complaint: Chase Manhattan Bank/Bank One Complaint: A class action suit was filed on March 25, 2005 in the Superior Court of California for the County of San Bernardino against JP Morgan Chase Bank. A jury trial has been demanded on three counts: Unlawful Business Practice in Violation of California Business and Professional Code; False and Misleading Advertising in Violation of California Business and Professional Code; and Violation of the Consumers Legal Remedies Act, California Civil Code. I just read the text of the suit, and it blew me away. Chase used their bait-and-switch technique to convince the Plaintiff (a long-term Chase customer in good standing and with an excellent credit history) to make a $10,000+ balance transfer at a 4.99% fixed rate to a Chase account ....and then Chase raised the APR on the account to 28.99% the following month! Where have we heard this before? The Los Angeles law firm handling this case is considering federal action and a national suit. I have asked the lawyer handling the case to create an email update list for interested parties and will continue to post notices to this site. I believe a consumer uprising against Chase is in order. And now this latebreaking news: A final decision may be made as soon as Monday, May 9, 2005 concerning taking the suit national. Violation of the Truth in Lending Act will probably be added. Please light a candle, say a prayer, do a dance, or whatever is your chosen means of sending energy to this good cause. The issue of usurious interest rates and financial terrorism being committed by credit card companies has reached critical mass. The revolution begins today.

	Anonymous Complaint_against: Chase MasterCard/VISA Complaint: Chase Class Action: Truth in Lending Act Violations Attention fellow sufferers under the jackboot of Chase! The Los Angeles law group which filed the 3/25/05 class action suit against JP Morgan Chase in California has completed their initial research. There are enough indications of a recent pattern of abuse by Chase in violation of the federal Truth in Lending Act for the L.A. firm to pursue a nationwide class action. I am asking the L.A. law firm representative if they are set up to have their name and contact information distributed at this point so that other credit consumers who have been abused by Chase can contact them and be contacted by them. Criteria have not been set, and I cannot speak for the law firm, but I expect they may be particularly interested in those credit consumers who have been allocated extremely high APRs due to Chase's subjective reclassification of them as "high risk" and/or reclassification due to changes in a credit report which are minor (one or two late payments with no overall history of being late) or not their fault (mis-reporting on a credit report or late payments that are not the consumer's own fault). I will keep you posted at this site. Please pass this information along to all who may be interested.

	John Doe 555 Cherry Street 84503 555-5555 Complaint_against: CHASE EMPLOYEE SPILLS THE BEANS Complaint: WANT A GLIMPS OF INSIDE CHASE. I work for chase and let me tell you if you think your treatment as a customer is bad try working for them. As a customer service representitive when you rate goes from 9% to 30% I am supposed to explain to you why this is reasonable in 171 seconds on average. This becomes considerably more diffacult when customers have been waiting 10-30 minutes to disguss this. To top it off the latest word from managment is that I am supposed to greet you with scripting (This is ______ with chase and my goal today is to give you the best customer service you have ever had.) Gas on the FIRE! I am to have customers on hold on average no more than 10 seconds. I also have no more than 10 seconds after the call to complete whatever maintenence is need to fix the problem. If my potty break exceeds 4 minutes I am to provide an explanation. As far as I am concerned they can send this Freakin job to India. Let me give you a few examples of ethical delimas at chase. 1. When you recieve your statement to inform you that you are over the limit with a 35-39$ fee you are already in a new billing cycle and will encounter another 35-39$ fee on you next statement reguardless if you send a payment to get under the credit line by the due date or not. So really you fee for exceeding your credit limit is going to cost you 70-78$. 2. Pre Approved at 0% right? A guarantee based on your credit worthieness. WRONG pre approved only means pre approved to APPLY. Only then do they have your consent to veiw your credit report and give you an offer based on what they see. 3. Fixed APR? There is no such thing any fixed rate, at any time it is subject to possible changes based on periodic updates provided by your credit bureau. Correct or incorrect. You have every right to be steamed about you rate going through the roof and let me tell you, you are not alone. Last month alone over 500,000 people got the same notification you did. Below are a list of reasons they can give you as justification for your MOB rate. These are based on anything that is on your credit report. NOT just you account history with CHASE. 1. Amount of Balance Owed on Revolving Accounts Too High 2. Amount Owed on Loan Finance Trades Too High 3. Average Length of Time Accounts Have Been Opened is Too Short 4. Balance as a Percent of Credit Limit Too High 5. Credit Amount of Mostly Recently Opened Mortgage Loan 6. Delenquency 7. Few Satisfactory Accounts 8. Finance Loan Balance Too High Relatice to Total Balances 9. High proportion of Accounts Opened Recently 10. Insufficient Satisfactory Real Estate Loans 11. Length of Credit History 12. Length of Credit History on Bank Cards is Short 13. Rapid Increase in Revolving Balances 14. Recent Delinquency 15. Recent Delinquency on Retail Trades 16. Too Many Bankcard Accounts 17. Too Many Delinquent Trades 18. Too Many Inquiries 19. Too Many Installment Loans 20. Too Many New Accounts Relative to Time on File 21. Too Little Available Credit 22. Total Balance Owed on Real Estate Trades 23. Average Open Revolving Outstanding Balance 24. Amount of Balance Owed on Revolving accounts 25. Number of Satisfactory Accounts 26. Number of Bankcards 27. Proportion of Accounts Opened Recently 28. Number of Trades with Usage 29. Outstanding Balance on Open Bankcard Trades 30. Loan Amount on All Open Trades 31. Well you get the point right. If you have a pulse you are at risk. By the way if you considered bankruptcy due to your unreasonable interest rate they have got there bacon covered there too with a revamp to the Bankruptcy Laws spurred on by heavy lobbying from ALL credit card industries now it will be more difficult than ever for you to get a second chance. ANY CREDIT CARD WILL IN TIME BURN YOU. These policies are now industry standard. Anyone who thinks one card treats them like gold and the others are a bigg bad bully are in for a shocker. If this angers you I suggest Sending a letter of complaint to the (COMPTROLLER OF THE CURRENCY). This is the body that regulates the credit card industries. A company this large does nothing with your ten page complaint exect get a good chuckle. They will laugh all the way to the BANK. Sincerly, Disgruntled Employee

	Debbie EmailAddress: spyderbaby09@yahoo.com Complaint_against: Chase MasterCard Complaint: At first I thought I was the only one being cheaded by Chase, but after reading over 50 complaints I realize this seems to be their standard business practice. When I opened the account I actually spoke to a customer service rep and the agreed upon APR was 5.99%,fixed, on all purchases. Just like many complaints I read, I too was "notified" in my statement that my rate was being raised to 21.76%!! for no reason except that I had "to much credit" according to them. (I have 2 cards and both are well under the maximum with years of good payment history) That's all the debt I have (no mortgage, car payment or anything else). They know that most people don't read the junk mail in the statements and those of us that pay online don't even open them. They are counting on it. I also called and got the same run around that there was "nothing they could do" once the rate was raised. I have great credit and get offers all the time to open accounts. Today I opened one and will be paying off Chase within the month. My complaints are going to each and every website, address, phone number or email that I can find. I don't understand why they want to loose good customers. Is it because they don't make money on us???

	Anonymous Complaint: I had car payment due , i made payment by credit card soo i can earn miles now they didnt give me any miles but charge me almost 70 dollar for making payment on credit card, i called and they just said they cant reverse it, they said it considered cash advance how do i know what considered cash advance??? there was no communication about diffrenciatiing cash advance and purchasing?? i will be following up on this till i get this thing settled , now i have to do all paper work becuase of their service the worst customer service even seen in history of service industry with chase, they need to train customer service representative

	Raphaell in Seattle Complaint_against: Chase Complaint: A national class action lawsuit will be filed against Chase. A helpful friend has provided the following web address where you may write to obtain the law firm's contact information: chasescam@aol.com. You can find more information and additional complaints against Chase at the consumer website 'my3cents.com' (search on 'Chase'). There are also many more Chase complaints at 'www.ripoffreport.com' and the AARP website. Individually, there is little anyone can do against abuses by a huge corporation like Chase. Our strength is in our numbers --- and in numbers, we are invincible.

	SF Pittsburgh, PA Complaint_against: Chase Complaint: I have had my Chase and a few other cards for several years. When I first got the cards my credit was great and they gave excellent transfer terms. A couple of years ago my wife was out of work for five months and we charged up our cards. I've still been able to make more than the minimum on every card. Last fall we charged a laptop computer for my son's college work. A few months later my Chase and First USA (now owned by Chase) cards jumped 29.9% on the balances they could touch. I seem to have a good balance transfer agreement from a few years ago and some of the balance is still at 7.9%. Of course their excuse was that my debt to income ratio was too high. I am going to put these cards in a credit card consolidation program (CCCS looks good) and pay them off at lower interest rates. I will then burn the cards. The interest rate is outrageous and their rationale is ridiculous. Its almost as if they want to drive people into bankruptcy or more likely they don't ! care. They know that if you credit card debt is high you have little choice. Well this has renewed my resolve to get totally out of credit card debt. In the future, I will save for major purchases or use a home equity line of credit. Credit card companies in general have become little more than legal loan sharks over the last couple of years I hope people wise up and use alternatives. I know some people have little choice, but if enough people cancelled their cards or made sure they paid their balance in full each month, the card compaines would get the message. Right now they can raise their rates as much as they want, because everbody's doing it.

	Anonymous Complaint_against: Chase Complaint: Here is the letter I sent to Bill Harrison today. Next week I will phone the JPMorgan Chase Company to follow up. JPMorgan Chase and Co 270 Park Avenue New York, NY 10017 Phone: (212) 270-6000 Fax: (212) 270-1648 Web Site: http://www.jpmorganchase.com/ Mr. Bill Harrison CEO JP Morgan Chase 4915 Independence Parkway Tampa, FL 33634 Dear Mr. Harrison, I have a Chase Perfect Card because your company purchased my Stockback credit card account. I recently accepted a balance transfer offer from your company and an offer to increase my credit line. On my most recent statement my APR for purchases has risen to 19%. When I called the customer service center today, I was told this is because my Experian report shows I have too much outstanding credit. The customer service manager I spoke with, Roland (operator ID 483), agreed with me that my credit is in good standing but said that your company raised my rate simply because I have a large debt load. In addition, he said a letter was mailed to me in February and that I did not mail back the letter opting out of this increase. I am quite sure that had I received the letter I would have returned the opt out letter. My credit is in good standing with your company and with all my other creditors. I have a high FICO credit score. Why would you extend credit to me if you feel I am not worthy of this credit? As I am sure you are aware, there are numerous complaints on the Internet from people who have experienced this type of bait and switch from your company. Some indicate that not only does your company arbitrarily raise their APR on purchases but that your company also does this on balance transfers. These people are all contacting the Office of the Comptroller of the Currency to complain. I write you to request that you reduce my APR for purchases to the previous rate. I will call you to follow up next week. After that, if my rate is not reduced, I too will contact the Office of the Comptroller of the Currency, the Attorney General in all states, and all of the appropriate internet sites. Thank you in advance for your assistance. Cc: Mr. Bill Harrison CEO JP Morgan Chase 270 Park Avenue New York, NY 100017

	Dave NJ Complaint_against: CHASE/BANK 1 CREDIT CARDS Complaint: Stay away from Chase/Bank1 credit cards. I applied for their 0.0 intro rate for purchases and was accepted. Customer service also sent out promotional checks and informed me that they were at the 0.0 rate as well for one year. A check was used for a purchase. I was then told that the checks were not at the promotional rate but rather a rediculous APR. Chase/Bank 1 would not budge, even when I gave the name of the rep, date and time that I confimred with the rep that the 0.0 rate was authorized. Chase even had the nerve to lie and say that they checked the recorded tapes regarding the transaction and found that no such conversation ever took place and that I was specifically told that the APR for the promo check was at a higher rate. Why the hell would I use the check then if they just gave me a 0.0 for 1 year. Stay away from this Bank - they are dishonest and lie to their customers - anything to nickel and dime you they will do. If it's not in writing - DO NOT take the word of any of their customer service people. They have no idea what they are doing.

	David Jackson Sr 17 Celtic Pl. Monroe, NY 10950 845-323-8374 EmailAddress: djackson@tjsconcepts.com Complaint_against: Chase Mastercard Complaint: I have paid them more than minium ,never been late,in other words a good customer.Never was notified of rate changes/increases. Rate went from 12% to almost 25%.....I freaked out when I saw my next bill...called them for an explantion and was told that they had the right to do this because I had other credit cards with what they consider high balances. My other cards have no connection to chase and they are always paid and never late,my FICO score is over 720,now my average daily balance with chase mc exceeds my credit limit!!!......Who do you complain to? They seem to be exempt from any action,what they are doing is criminal,it's outright stealing......I also have a home mortgage thru chase and I am doing everthing I can to get my business away from them.Due to ill health and medical expenses I had to use my credit cards for health services,chase has added insult to injury.IT seems no matter how much I pay them over the minimum it seems that my balance doesn't g! o down......I wish I could hurt chase the way they have done me

	Mrs. Diana Smith 661 Pear Tree Lane Napa CA 94558 Phone: 7074772128 EmailAddress: napa2002s@netscape.net Complaint_against: Chase Bank One Credit Card Complaint: Originally had a United Airlines MILES card. I paid on time FULL amounts no finance charges for nearly a year. Last year December 2004 I decided since Chase purchased this credit card account. When I called Chase December 04', they said "Yes we will close your account, you have paid the final $20.00 and thank you for your time." Time passes by we receive a letter dated May 16, 2005 saying "You are delinquent on this account please call us". Card was cut up and thrown away in December, and now they have a NEW account number we never heard of. No statements in over 5 months but somehow we have $12.38 left on a totally new account number!! Amazing! We call 5/21/2005 and say "Excuse us what is this". Chase Bank One says "Oh see you had some money left over so we could not technically close your account in December, 2004." My husband and I ask "So why did we not received statements, a new card with the new number all kinds of neat stuff professional companies do w! ithin a 5 yes FIVE month period, after this original account was closed"? They had no answer. 5/21/2005 we paid the $12.38 to shut them up, my credit score went from 720 to 670 due to this stupidity. But WAIT it gets better... Today 6/8/2005 we just received a statement from Chase Bank One ont his magic account number which we paid, we closed and have a confirmation number and they show our $12.38 payment but there is a charge for 59.11 in Florida SEVEN DAYS AFTER we closed this account or 5/28/2005!!!! And in Florida. We live in California. It was NOT an internet charge but a merchant charge. Um hello? Is this thing on? I just spent with my husband, 2 hours on various calls, with managers and people over in India (Not being biased they ADMITTED they were overseas) and no one can explain what happened. I am on the phone as I type this with another manager demanding a letter of apology and a WRITTEN confirmation that they show our account closed. We opened a HELOC line of cr! edit with Chase, as suggested by our mortgage broker on our investment property and I can tell you this, we will be closing and re-fi'ing it in a matter of weeks. This company is one of the WORST most UNPROFESSIONAL outfits I have had the mis fortune of dealing with.

	Mary Ohio Complaint_against: Chase Complaint: Warning to ALL Chase card holders! They are the MOST corrupt group of people I've ever come across( so far). After having my card for 11 years; NEVER a late payment, NEVER going over my limit....they screw me with a 29.74% interest rate! This went up from a fixed 9.74% rate. Apparently just being alive gives them the right to raise your rate and there's NOTHING you can do about it. I was told this happened because there was something negative in my credit report. There's nothing negative in my report and with a 726 score, they're just liars. Even now, although I paid my entire balance off completely 3 weeks BEFORE it was due, I don't trust them and check my on line statement often and guess what!? They tried to slam me with a $24.34 finance charge!? Now just what are they basing this finance charge on>>>???? a previous balance or a no balance finance charge!? After fighting with several supervisors, and being hung up on by one, I finally got one of them to agree t! o take off the charges and send me a letter stating this. I sure hope all credit card companies don't turn out this way. But this has put a bad taste in my mouth for all credit card companies and I won't ever trust any of them again. Which is sad really. Keep an eye on your rates and don't put up with any crap! I am currently in talks with a lawyer who's going to be part of a nationwide class action suit against Chase. Let's hope we win!

	David Complaint: Chase Credit Card Customers Beware: Let me tell you what they're doing. 1) they'll raise your rate to an astonoshing amount and NEVER lower it, saying there was something negative in your credit report. They'll also "claim" they'd sent you a notice of their intent but, since you never replied or chose to "opt out", you're STUCK with the new rate. This can be ANYTHING: even a balance on some other credit card! 2) when you cancel the card.....BEWARE and keep an eye on the account. I paid off my bill and cancelled and closed out the account and they still tried to charge finance charges to the account! I'm not sure just "what" those finance charges were from??? I will continue to check my account weekly just to make sure they're not pulling anything else. Anyone who's had trouble with this company.......please, please, please do NOT let them get away with this! It's NOT YOUR fault this happened.

	Joe Anyone USA Complaint_against: CHASE Complaint: ATTENTION! Chase is an awful company. Everyone, please help get the class action law suit against them up and running! I've seen all of the posts on a lot of web sites about this company....LET'S DO SOMETHING! DO NOT JUST SIT THERE AND TAKE IT, OTHERWISE ALL OTHER CREDIT CARD COMPANIES WILL END UP DOING THE SAME THING!

	Sucker EmailAddress: cantsonfoster@yahoo.com Complaint_against: Chase Credit Card Complaint: Chase bought Bank One where i had an account for 3 years. Never late with a payment. It's automatically deducted from my bank account. When chase took over, my interest rate jumped to 27%! They don't like my credit file. they notified me, etc. (not that i ever received a notification but so what if they do. Like i have a say in the matter) It doesn't surpise me that there are greedy unscrupulous companies out there like Chase bit it does surprise me that they legally can do this! Perhaps if they raised the rates on new or future money borrowed, but doubling and more the rates on money borrowed three years previous is unbelievable. What consumer is made aware of these trecherous pitfalls? Why is this legal? How can it be? I sent a letter to my senator. Nothing. This is outrageous. And i see from many of us we just pay the charges and move on. Without a word. This is unjust and unfair. This is cheating the unsuspecting. Does anyone know of a class action suit i can join and participate in? Thanks

	Chase Hater Oklahoma City, OK Complaint_against: Chase Card Services Complaint: For many years, I've had a Bank One visa gold card. Unfortunately, my balance has steadily risen and Bank One has merged with JP Morgan/Chase. Now, I'm well informed in regard to politics and current events, so, I've become very concerned about the direction of the American economy, the obscene relationship between lobbyists and congress and the recent bankruptcy legislation written by the predators of the financial services lobby. In response, I've taken some measures to completely pay off my card. You see, I realized that this Morgan/Chase organization had me right where they wanted me (economic slavery for life) and I made my move to escape. When I finally wrote a check for the entire balance (it was $$$$$ big) I made an error. In numerals, I wrote the correct amount, but in words, I failed to write "twelve dollars"... A simple mistake, yet it seems pretty obvious that I had earnest intent to pay off the full amount. So, you could imagine my shock when I received another statement for a few hundred dollars worth of interest and fees, based on the technical mistake of leaving out two words, "twelve dollars." So, to summarize, I tried to pay off the full amount, slipped up when writing my check, expected a ZERO BALANCE and still owed this corporate entity a significant amount of money. Okay, I'm a big boy, I can own the mistake. Yet, I asked twice on the phone and once in writing for them to make an exception...they responded, reminding me of the terms and conditions, a resounding "NO." This did not surprise me, so I moved forward and paid the amount in full (no mistakes this time)...guess what? This month my statement indicated a balance of $3.53. Does it ever end? How can this be legal, to charge a balance when a previous balance is paid off completely and on time? I'm just one guy, but I will do my best to GO OUT OF MY WAY to avoid EVER USING ANY CHASE FINANCIAL SERVICES...ever.

	Joe Anyone Against: Chase Complaint: Anyone that has a Chase account will be burned in time. I have one friend who has a Chase Visa and says their rate has not changed....so far. I told him to keep a close eye on that statement and assured them that just out of the blue, they'll notice their rate has jumped to an astromical amount. No matter what, Chase will NOT lower your rate or cooperate with you in ANY WAY. I don't know who couldn't read all of these posts & all of the posts on several other sites about Chase and not decide to dump their Chase account and close it out for GOOD!??? I hope they lose the class action law suit against them and are forced into bankruptcy themselves! How great would that be! If you're having any trouble like this with Chase.....please contact the lawyer posted in the one blog on here He's very nice and understanding and together, we can get this company back and show the other companies that are "thinking" about starting these practices that we WON'T STAND FOR IT! TAKE A STAND PLEASE!

	Paul Miles EmailAddress: pcmiles@ameritech.net Complaint_against: Chase Bank Complaint: Well I'd just like to add another complaint against Chase for raising interest rates. I had a chase card and a bank one card with 8.9% and 6.9% respectively. They raised the rates to 22.9 & 29.5 respectively & like everyone else they said it was becase of a review of my credit report. this prompted me to buy all 3 reports. No identity theft, no errors & a score 0f 764. I paid off those cards and chase will never have me as a customer again. To all good credit people: I read an article recently that talked about how extremely difficult it is for finance companies, cell phone companies etc to aquire new customers with good credit. There are a finite amount of us and we have to show these corportations how valuable we are & the only way to do that is to boycott them when they abuse us. We can't accomplish anything by taking out our frustrations with employees of these CORPORATIONS. we have to deflate them by taking our business elsewhere.

	Cory Ft. Lauderdale, FL EmailAddress: corygray@email.com Complaint_against: Chase Platinum Visa Complaint: I had a Chase Continental Visa card for years but always had trouble booking flights so called Chase to cancel and was told that Chase would convert my card to a Chase Platinum card and I could fly any airline. I said that would be wonderful! Today 8 months and thousands of dollars spent on my "new" Chase Platinum card I find out I "neved signed up for rewards" so I have no mileage... Chase gave me no satisfaction nor help...what is happening to "service"? Cory Gray

	Scott Complaint_against: Chase Complaint: I recently made a large payment to my chase credit card that paid it off. The payment cleared my bank on the 8th. Upon only having $100 avaliable on my $2000 card I contact chase to explain the discrepancy. I was informed that since it was a large payment that it was being held for 14 days. It was being held because they wanted to make sure that the payment would clear. The payment made on the 7th cleared on the 8th but yet I only had $100 credit. Irregardless of the fact that the monies had cleared my bank I was not allowed access to my credit. I have made large payments before, as recently as last month with no issues. This is an obvious attempt to use that 14 day window to collect and pocket the interest on that money. I have cancelled the chase card and I recommend that to all customers of chase.

	Anonymous Concord, NH EmailAddress: Erik5150@Comcast.net Complaint_against: Chase Complaint: I had the same type of problem with Chase. When I opened my statement this month, they had raised my rate from 10.9% to 29.99%!!! I called and they told me that they had included a notice in my bill back in February that they were going to do this and that if I hadn't aggreed, I could let them know and that would have closed my account. When I asked why it was being raised, they said it was because of something on my credit report! I asked for a supervisor and when I asked him what was on my credit report, since I had not been late or missed any payments, nor had I been over my credit limit, he said it was because I had too much outstanding balance as a whole on my credit cards! So even though I had done nothing wrong, credit wise, I was getting ripped off at almost 30%!! What this meant on my statement was, I sent a $55.00 payment and with the 29.99% interest, the finance charge was $53.00, so I managed to pay $2.00 towards the balance! Nice huh? So I asked them if they ! were going to fix it and they said nope! I asked them how long I was a customer, and they told me 10 years. I said "so your willing to lose a customer of 10 years over this?" and they siad yup! So I closed the account! I have never seen anything like this! I was soooo ticked! maybe I can complain to the better business bureau!

	Roger Complaint_against: Chase Complaint: Having never missed a payment with Chase, a year or so agoI got a PO box. I noticed I had not received the Chase statement and called them. They charged me a $10 dollar fee to make a phone payment and raised my interest rate to 28%. They would not lower the rate even though I have never missed a payment or been late. Chase is worse than a mafia loan shark and consumers should be warned. The government should limit the interest rates these crooks can charge.

	Ann Smyrna, GA Complaint_against: chase Complaint: I had a FirstUSA VISA card that turned into a Chase VISA card. The first thing that they did was to lower my credit limit. I was not notified of this. I received convenience checks in the the mail so I wrote one for the amount of my cash available on my last statement. They called me up (after I deposited the check) and said my income was too low and they would not honor the check. In the meantime, my credit limit is 0 because the check amount is still in the pending charges category even though the check did not go through. My outstanding balance is below my new lowered credit limit. I am borrowing money to pay off this card immediately. The person who called up to say my check would not be honored said they didn't care if I closed the account. I hope they go out of business.

	Mary Complaint_against: Chase BankCard Complaint: An account was opened w/ Chase and a credit limit in the amount of $4,000.00. I had been in Florida for three weeks and had filled out many different things for Time-Sares, etc. I actually forgot that I had filled out an application for a Chase Credit Card. I called Chase because the address was incorrect and I mistakenly had the account was closed. I was told that I would need to re-apply, so I did the very same day. Three days later I called to find out the status of the "New Card". I was told that I had been denied because of too much un-secured credit card debt, i.e., $4,000.00 credit card limit that they had given to me. Also they mentioned some other things that didn't amount to a hill of beans. (Plus, all that was on the original credit report 5 days earlier) So, I pulled my credit report and you guessed it, it was there. It has been two weeks and I have spoken with at least eleven different people in that company, and none of them seem to know what's! going on. They are the most inconsiderate and incompetent people I have ever dealt with. Because I told them I didn't remember filling out an application (called and cleared that up within one hour of the first call) they reported it as identity fraud/theft anyway, even though I told them I was holding the original card in my hand and how else would I be able to read off the account number. How did they approve me the first time, but not with the second aplication? Even though the unsecured credit is theirs. What really angers me is that they reported this $4,000.00 revolving credit card account to the credit bureaus within like five days of approval and now said it would take at least 30 to 60 days to have it removed. They have royaly screwed me up. Because in the meantime I can't take a chance to apply somewhere else and be turned down because of all this "unsecured credit" What I would really like to see is this company investigated for fraudulent practices. Someth! ing is very wrong and I would certainly like to know what.

	Nate PA Complaint_against: Chase Complaint: I'm not surprised to read all the comments here, considering how 1) Chase makes up their rules as they go along, and 2) Chase has rather shoddy (and incompetent) customer service. I have two Chase Visas, a regular Visa I got three years ago and a United Mileage Plus Card I got last year, which was issued in the name of Bank One since that was before they merged with Chase. Concerning my United card: I was paying an APR of 15.99%, but recently it jumped up to 24.99% with no explanation why. This seems like a violation of the cardmember agreement to me. If it's due to late payments, well I have been late twice, but neither was my fault: The first time was because they never sent my first statement, which included the $60 annual fee, which by the way I was not aware of (I guess it was somewhere in the fine print). So when I received my second statement I was surprised to see a balance over $100 already, including the $60 annual fee I didn't know about, plus a $35 late fee and interest charges on my account. First off, they clearly state a $15 late fee for balances under $250...so that also violated user agreement. Second, the late fee was due to their mistake. Customer service gave me the run-around when I contested the late fee. They told me I should have paid on-line, before giving me any info about how to sign up to pay online! And ! they never did remove my late fee, despite multiple attempts on my part. Second time I was late was because I recently moved and changed my address. They still sent my statement to my old address, and I didn't receive the forwarded statement until after the due date. Again, their fault, but they refused to remove the fee. Between the two bogus late fees and the mysterious large interest rate hike, they've probably screwed me out of somewhere between $100-$200. If this is normal practice on all of their customers, then I can only imagine their profit margins. Concerning my original Chase Visa, customer service is generally pretty bad. I often have to wait forever to speak to anyone. When someone finally answers, they talk like robots, as if they're reading off a script. They aren't usually particularly friendly. Often I get transferred around from department to department since many of them don't know what they're doing. One time I had to speak with 12 different reps (including supervisors) to finally remove a late fee. I did not have an online account at the time and was on Christmas vacation when I received my statement. When I returned home on Jan 4, it was a couple days before the due date, which they had convenently moved up to Jan 6, even though every other month prior, the due date had been somewhere around the 10th. I promptly sent a payment. It arrived on Jan 7. Despite my good faith effort, they charged me a $30 late fee because payment wasn't in their hands by noon on the due date. Most of the reps were rud! e and unrelenting until I finally got someone who understood my situation and finally removed it from my account. Also, I received incessant phone calls from Chase for "special offers" in which they tried to con me into some sort of rewards program where I pay $12.99 a month for something I rarely or never use. They were generally very pushy about these "offers." Finally I cancelled everything and told them to stop calling, which thankfully they did. Finally, I was charged a $35 over-limit fee due to two unauthorized charges on my account that pushed me just a few $ over my credit limit. I won the disputes over the two charges but they still didn't remove the over-limit fee! This occurred about a month after I had requested a $300 credit increase, since I was moving and had additional expenses. I received an email stating that I would receive a response "within five business days." Three weeks passed with no response. I eventually found out from a customer service rep (after being transferred over about five different lines) that my request had been declined due to my credit history. They said they couldn't give me any further explanation as to why I was denied. In short, Chase has poor (and unethical) business practices and cares far more about the buck than the customer. To them, we're all just a bunch of numbers.

	Rachel Michigan EmailAddress: KulisRay@aol.com Complaint_against: Chase Manhattan Bank Complaint: Chase Bank has got to be the worst credit card I have ever had!! I have credit cards with other companies and I have not had any problems like this! I lost my job and got behind on my payments, my account is currently closed and it was done so by myself not chase - I am still being charg