Well I "had" a Bank One account. But it was Sold to Chase Bank, I had a credit Limit of $5000.00 when bank one had the account they would never let it go past the credit limit of $5000.00 Because I made that Request. Now that chase had taken it over. They Let all my over charges from AOL And Block Buster Accumulate for several Months. Every month my account was past do cause they kept letting all the charges go through. So it was like 435.00 for over the credit limit fee. I call them and pleaded with them not to let the charges go through. After all its my account.
I told them to deny the Monthly charges as I would send aol and the other parties checks for what I owed them. But of course they wouldn't do that cause it wouldn't "Benefit" the bank. From the introductory price of 6% interest they went and raised it 19%. Then when I couldn't make my payment on over the credit limit fee they would tag and additional $35.00 over the limit fee. On top of over the limit fee they would then Raise my interest to and Astonoshing 33% interest a month. So why would then stop the over the credit limit fee when they could make 3 times the Money off of me a month with a $35.00 fee and 33% interest.
They were Putting me in a hole I could not get out off. I pleaded with them not to let the charges go through but nothing. They said they had to let it come through even though its my account and I told them I cant afford it and its causing me hardship and pushing me Toward Bankruptcy. So I told them I wanted to close the account and they said sure no Problem. But we will still let the charges Through even if your account is closed.
So I threaten not to make any payments and file for chapter 13. Because I wasn't going to let them Rip me off. I rather have a chapter 13 and rebuild my credit then never to be able to Repay the credit card at that interest rate of 33% and $35.00 fee every month cause I couldn't catch up to the monthly payment. Then then put me in a special program @ 6% interest. And a payment of 59% a Month. Now I do a credit Report and they give me a score of 9 which is the worst for none payment of minimum payment of 636 Dollars. And never told me for as long as I am on this program even if I pay them off on my Minimum that because I was on a 6% interest Rate and $59.00 Month Plan for a year that they were going to report it to the credit agencies as being in collection for as long as I am on this program.
Chase are one of the most Greediest Commercial Banks in History. When they buy and account they take it over aggressively and add lots of charges to your account and screw the living daylights out of you. If chase ever take over any or your accounts My Suggestion is to Close it Quickly. 20 years they have been screwing Middle and Low Income People with their fees. Its time for Payback.
If someone can advise me on What I can do to Fight them. Please contact me through the rebuttal key.
Thanks
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