I opened a Chase credit card in December to help with Christmas purchases. I had a small balance that I was paying on each month - I was consistently current on my payments.in June I moved to a new state and filed a "change of address form" with the US Postal Service. Everything was going smoothly. I was receiving my mail and paying my bills. I made my June payment to Chase online. I thought I was paying my balance in full. I hadn't used the card since December and wanted to have it paid and done. Somehow, my payment I made only posted for $100 of the $500 balance. When I didn't receive a July statement, it didn't concern me because I thought my account was paid in full. You can imagine my shock when I received a letter in the mail today (addressed to me at my new address) that stated I was over 75 days past due on my account. Still in shock, I immediately contacted the Chase customer support division. They relayed to me that I had a balance of just over $400 the late fees that had been building. To make my account current, they would need to collect only $157. I immediately paid the full balance of $550. I explained that I had not received ANY billing statements since my last payment as I thought the account was paid. She responded that they had been sending the statements to my old address and it was because I didn't contact them directly to change my address they had no way of knowing I had moved. I pointed out the fact that the letter I received today had my new mailing address. Sounds a little fishy to me. They also told me that by paying my June payment online, I was enrolled in "paper-less billing." I was confused, if I was enrolled in paper-less billing shouldn't I have received an email alerting me of the balance and overdue charges? Not only did they completely blow off my complaints, they reported my past due payments to the credit bureau. They couldn't explain why it wasn't until my account was 75 days past due to contact me or why I received neither a statement in the mail or an email. They simply told me there was nothing that they could do but "understand how I feel." I am left feeling completely drained. I also feel like I was set-up. This has never happened to me before and it makes me a bitter consumer. Thanks Chase for ruining my good credit.
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