Consumers beware of the credit card industry, they use dishonesty and trickery to get your money from you. I have over the years dealt with several credit card companies and they all use deceitful methods. However, I just got off the phone with one of the worst ones Chase Credit Card Service.
Since the first time I have applied for their card 10 years ago they have been using trickery on me and dishonesty not to mention very rude and uncaring phone staff. Here is a list of just a few things this bank has done to me:
1. When I first got my new Chase card it was at a low interest rate, I have very good credit so I knew someday they would raise it, they always do, but I was shocked when one day out of the blue they raised it to 18.24%.
2. I started noticing something interesting it seemed that every other statement that came in from them had a late fee on it of $15.00, when I asked them about this they danced around the subject. Even to this day they are hitting me up for these late fees.
3. I have two credit cards one personal and one for business and that's the way I like it. I have never applied for another card and never desired to have another card. Chase keeps sending me these false statements that look very official like it is a real credit card statement. This is more trickery by Chase to extract money from a person, if you don't pay close attention you will think it is your actual credit card statement (they look identical). This is the mistake I made I thought it was my regular business statement and I sent in a payment which was not really a payment but was a sign up fee for another credit card (trickery).
Well anyway Chase starts billing me and I notice that the account numbers do not match any numbers on my two credit cards. So I'm thinking I'm sending money to Chase for a phantom account that I never really signed up for, never received a card for and never bought anything with.
In other words they are getting my money to do nothing but shuffle papers around.
I called Chase and the woman on the other end was rude and played dumb, I tried to explain the situation to her and told her I didn't even have a credit card with the number showing on the statement, she said well we sent it to you, and I said well did I sign it and call it in? Did I activate it? Don't you have to call it in before it is active? She had no answers for me.
I told her I did not remember ever opening this card account and I have not received a card, so there really is no account. She insisted there is an account, so I told her I wanted to cancel the so called phantom account.
Very snippy she says to me "ok, I will cancel your account and report it to the credit agencies."
So now I have paid over $100 into an account I didn't even want or use, a card I never received, and to top it off now I have a bad mark on my credit because I cancelled a card I never had in the first place.
Consumers beware, these credit card companies/banks are out to get your money anyway they can even if it means dishonesty and trickery. I am very disappointed in Chase bank for treating a steady customer of theirs in this manner. Because of the way they have ripped me off I would have to recommend to all consumers to check your statements very carefully and avoid doing business with Chase Bank.
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