Chase Bank SUCKS!!!!!

It all started because my Chase credit card froze my account due to "suspicious activity". Well, they should have called me to verify instead of just freezing my account.

I only found out because when I tried to schedule an online payment (I've been paying online for at least a year) it said "your account is not accessible". So after I spoke with customer service to verify the transactions I was told that "the security has been released and online access will be available in 5 to 7 business days". Now, that's not very convenient for me, is it?

I told the rep that my payment was due in just a few days and I will need to make the payment. She said I can pay over the phone - but will be charged a $14.95 convenience fee. Well, again, that's not convenient for ME, is it, as I didn't create this problem in the first place. SHE DID NOT TELL ME THAT I CAN GO TO A CHASE BRANCH TO MAKE A PAYMENT!!!

So at 1:55 p.m. PST on the date the payment was due - which was only less than 2 business days since I spoke with the rep - I decided to try logging in to my account online. With a brief sigh of relief, I was able to access it. I proceeded to make the payment, only to find out that I was already after the 4 p.m. EST payment cut-off time for the day. Seriously?! WTF!!! In order for my payment to be posted on that very same day, I would have to pay - you guessed it - $14.95 processing/convenient fee.

I thought the situation with my account the few days prior that if a late fee was posted to my account, I would have a valid reason to demand for the charge to be waived. I also thought that with my excellent track record, it should be no problem in getting that taken care of. So, I made my payment "regularly", like I always do, as I am never late on making payments.

I checked my account in a couple days and found out that Chase did charge me a late fee. I sure was upset but waited 'til the next day to call them (since it was late in the day), thinking that there was nothing I could've done at the time and that everything would be resolved, in my favor. Oh boy was I wrong.

Explaining to the rep what happened and when I asked for the late fee to be waived, she said NO. She said the reason is because besides paying over the phone (and pay a fee), I could have gone to a Chase branch to make the payment (BTW, how many of you know that???). OMG, I was upset when she told me that! The first rep I spoke with just a few days prior did not mention that and I just so happened stopped by the bank that very same afternoon to make a deposit via ATM (yes, I happen to have Chase bank accounts as well)! Had I known that was an option, I could have easily - EASILY - gone inside the branch to make the payment!

Anyway, the customer service rep would NOT budge (what kind of customer service is that? How can they call themselves "customer service"?).

I have always made payments on time and am current with all my accounts. I have a high credit score and I try VERY HARD to keep it that way. I am VERY responsible financially and responsible period that I wouldn't jeopardize my "reputation". I avoid any kind of fees at all costs because I think they are so ridiculous and are just a waste of money. I would rather spend and happily enjoy that money instead of throwing it away to stupid money-suckers.

Anyway, what I don't get is that how is Chase credit card going to charge me a late fee when the money is coming from their own bank? It is so wrong. On so many levels. At least in my opinion.

I miss WaMu.

I hate Chase. They suck.