Comments on: Removing Finance Charges From My Chase Freedom Credit Card

By: Paula

Paula — Mon, 30 May 2011 12:07:52 +0000

They are!!!!!!!!!!

By: Paula

Paula — Mon, 30 May 2011 11:32:35 +0000

I told John Bennett that, I can pay this off tomorrow but I will not pay that interest or finance charges that, they imposed in my card. I am going to close this account. I have Chase/Best Buy, I will closed this one next month. I only owe $400.00 for the purchased, I made from Best Buy. I have Chase/Amazon, I am going to closed this account also next month, I only owe $288.35. No more Chase card for me, I paid this every month for my purchases, no problem there but in the name that, it is Chase, I am going to closed them all, I do not want anything to do with them again.

By: Paula

Paula — Mon, 30 May 2011 11:24:53 +0000

Today, (05/29/2011=Sunday) I just picked up my mail that was delivered yesterday Saturday. When I read my bill from Chase Freedom there was a $3.49 a finance charge according to John Bennett (the supervisor) he said that, that finance charge was for the purchased, I made for the card last October 2010 (which was still in the 0% in purchases and balance time) when I paid it off before, I even received the statement and just now the finance charge showed up in my May 2011 statement for June payment. How stupid his argument is. I have been paying my bills every month before the due dates and this is what they did to me. Just like the last time that they charge me interest because I paid in advance before the due date. How screwed up this statement is. What is wrong with these people’s brain that works in Chase Bank. I told them that I am not going to pay for it because it is unreasonable. I accidental use this card last February, to pay my tax preparer so, when I realized it, I went back there the next day so, she cancel it, and she even cut my card in their machine when I told her that, I’m not using it anyway that is also what I told the representative and John Bennett of what happened to my Chase Freedom card. The following month March 2011 there was a finance charge for the purchased for $4.08, so, I called and the guy as I explained that it was cancel as he can see in his monitor also that it was cancel, he adjusted it and now here comes $3.49 interest charge again from the purchased I made last October 2010 that was paid in full and no interest showing the next month statement which was November 2010. Think about this Chase stupidity. Chase bank are full of stupid people working there. You see, one person stupid argument will include ever one of them that works there especially this person who happens to be their supervisor.

By: Matt H

Matt H — Tue, 29 Dec 2009 21:08:08 +0000

CHASE Visa = THIEVES!

Since I’ve chosen to go with “paperless billing” I rely on CHASE to send me email notifications to let me know when my credit card bill is ready to pay. The problem is they neglected to send me an email in November which resulted in a late fee ($40) AND a finance charge ($17)!

When I called to explain they never sent a notification for November and hopefully have these removed…I was told it was my fault. “It was probably in your spam folder”. Etc.. I told her I keep every deleted email and have received every other email from CHASE including the spam that THEY send me.

She could clearly see that I have paid every bill going back to 1996 before they were even due. She even admits that my history was “pretty good” as I was only late on two payments (out of 156 total!). I always pay off the balance weeks before the due date.

After all of this… “I’m sorry sir, there is absolutely nothing we can do for you”

I told her I am going to close both my credit card accounts.
“Sorry to hear that. Is there anything else I can help you with?”

She was an Accounts Supervisor too.

It makes you wonder how many other people, who rely on a email notifications to let them know their credit card statement is ready, might not have received their emails.

Credit card companies really are shady. They used to own up to their mistakes and take care of things like this. Those days are long gone.

Here’s a list of the email, payment due, payment made dates:

6/22/09 “Your credit card statement is available online” DUE DATE 7/08/09 >>>>>>>>PAID 6/26/09 ($372.20)
7/22/09 “Your credit card statement is available online” DUE DATE 8/12/09 >>>>>>>>PAID 7/30/09 ($2,171.46)
8/21/09 “Your credit card statement is available online” PAID 8/29/09 ($679.44)
9/22/09 “Your credit card statement is available online” DUE DATE 10/13/09 >>>>>>PAID on 9/26/09 ($826.88)
10/21/09 “Your credit card statement is available online” DUE DATE 11/12/09 >>>>>>PAID 10/30/09 ($1,333.41)
!!!!!!!!!!!!!NEVER RECEIVED A NOTICE FOR NOVEMBER!!!!!!!!!!!!!!!!! DUE DATE 12/13/09 PENDING ($786.44)
12/23/09 “Your credit card statement is available online” DUE DATE 01/12/10 >>>>>>PAID 12/28 ($2,519.19)

By: Mo

Mo — Thu, 23 Jul 2009 13:29:12 +0000

I found this entry when I Googled “finance charges over two months for a late fee.” I’m in a similar situation with my Chase Rewards card where I have been a good, loyal and on-time paying customer for over 10 years, but happened to miss a payment one month recently. BUT, I noticed it before the due date and quickly set up the payment from my bank. Realizing it wouldn’t make it there in time, I called Chase to see if I should just pay over the phone to avoid fees (even though my bank payment was on the way). I didn’t mind double paying and having that as credit for the next month. But the CSR assured me that I could just have the fees removed after the payment from the bank was processed, which was certainly going to be late. So sure enough, the payment was late, and I called in and had a late fee and finance charge easily removed. But the following month, I see more finance charges, which still confuses me – why are there finance charges for two consecutive months? This time when I call in, I’m getting cookie cutter responses from the CSRs telling me things like it was a “one time courtesy” for them to credit the late fee and finance charge. I’m not understanding the courtesy though when I called ahead of time; maybe if they explained the options at that point it would make more sense. So far, I’ve called twice and they wouldn’t budge but the second time the CSR and manager I spoke to seemed a lot more polite and understanding and agreed to open a case where they will review the call I made before the payment was due and get back to me in 7 days.

I am already pretty annoyed with this whole ordeal though and have started looking into a new rewards card. This current Chase Card (transferred from my old Shell card) was giving me 5% on gas and 1% on everything else with no limits and the rewards credit would be given to me right on my next statement. I always knew there had to be better options out there but I liked the simplicity of instant credits instead of points to accumulate and then manually redeem, like most other cards. Of course it was a bit of laziness on my part too having had this card for over 10 years and attached to all my accounts (i.e. Paypal, Amazon, ez-pass, etc). Anyways, I think I’ve found a pretty good new card; it’s a Schwab Visa card which gives 2% on everything without any limits. Only catch is that your rewards get credited to a Schwab brokerage account, which you’ll have to open if you don’t already have. The brokerage account is free though and the card does not have any annual fees. I’ll just treat it more like a savings account than a brokerage account I guess.

So Chase will be losing me as a customer over a $14.10 charge which even if they credit at this point, annoyed me enough to stop being lazy and go look for a better rewards card. I guess maybe I should be thanking them instead of complaining…haha.

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By: Krunk

Krunk — Sat, 28 Feb 2009 22:29:59 +0000

That’s why I always schedule my payments online when I get my monthly bill. I always schedule to have to paid on the due date and then I can just forget about it. If the due date is on a Sunday, they have to deal with that since I did officially schedule to pay them on that day. Of course I add that transaction to Quicken so I know what my expected balance is at any time.

However, given that, I still managed to screw up a few months back. I signed up for paperless statements and one month, they just stopped sending emails to me. I also didn’t receive any statements in the mail. It wasn’t until I signed into Chase to look up some rewards terms that I noticed I hadn’t paid my credit card for the previous month. For a $10 bill, I was charged $39 in late fees and $1 in finance charges.

I called in of course and since this was a 1st time offense, they removed the charges. However, next month, I didn’t receive the bill again, so I tried turned of paperless statement and turned it back on and the following month, the emails finally started coming back in.

By: Kate

Kate — Thu, 26 Feb 2009 19:11:20 +0000

It’s good that a reasonable customer service rep dealt with your case, because sometime they are not helpful at all. Just one tip to everyone: If you see that the rep is not helpful just hang up the phone and call again and talk to another person. One time I had this experience. I talked over 1 hour with a person and he could not help me at all and he told me that he cannot take the late fees off my account. But I called back tomorrow and I talked with another rep who removed the late fees from my account in 15 minutes. Anyway, my point is sometime the rep might not be helpful or might not be as experienced to know all viable options, so dont give up and call em again.

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