Chase Credit Card
Www.chase.com
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
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