Complaints.com

From: Message Author
Date: Friday, 31-Aug-07 01:43:29 CDT

Chase Credit Card:

I recently went through a frustrating time with Chase and their deceptive

notification/protection notices. Their customer service representatives will

tell you different statements as to how their over limit reporting on your

credit report will be handled. I was told by the first representative that

if I have the over limit feature disengaged, then I do not have to worry

about going over limit. Then I later see on my credit report that they are

reporting my account as over limit. I call back again and the gentleman

tells me, oh your account did not have this feature disengaged. I tell him,

yes It should be, and here is who I talked to and he says that he will put a

message through to the other person to be more careful and in the mean time

he tells me to contact his credit bureau corrections department with a

letter sent registered, I included in the letter to listen to their

recording of our conversation and see what we talked about. The letter that

I get back is a canned response stating that they take things like these

very seriously and that they have reviewed the file but there is nothing

that they can do. I call back again and they tell me that I should try

writing them again ( a reoccurring theme with these representatives) I then

get a new alert from the credit card saying that my balance is getting close

to its limit so I send in the payment plus a principle payment the first day

they have available on their system. I go on my way thinking that everything

is fine and then I get a notice from my credit monitoring system that I have

a negative posting on my credit report and it is CHASE CREDIT CARD. I call

back over there and I speak to a supervisor and she tells me how this might

have happened and then at the end of it all she says you can write to our

Credit Bureau Corrections Department. I tell her that this is the last thing

that I will have to do with Chase and I closed the account. A WORD OF

WARNING, they notifications and rules are a joke, Chase does not care about

you or your business. If you have had a bad experience with Chase I

encourage you to write your state's Senate and House representative and

share your experiences with them, I have found that they are looking for

these kinds of issues. Good luck to you all.

Ruben Garcia