Anonymous

Screwed up with my credit

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I had done some dental work on my TMJ. After the braces were removed i was supposed to be TMJ free. On the contrary after the orthodontist work, my TMJ is worst than before. I spoke to them regarding the matter and dental office reassured me that I wasn't responsible for the remaining of the balance. That they will take care of it. After i moved to CA, i noticed that it wasn't removed and paid off. I tried to get a hold of Chase but, unfortunately, had no success. I tried to explain the matter with Chase but, they were unwilling to resolve the matter as well remove this from my credit.!
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Loss:
$2000
Reason of review:
stating to credit report that I owe them money.

Preferred solution: Full refund

Anonymous
map-marker Oxnard, California

Chase is the worst bank

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Chase bank, bank of america are the top 2 bad banks ever. never do business with them they will *** as much as they can. Bank of america is owed by mafia since they opened its been proven. Chase just thinks they can screw people anytime they want thats why i have sued them for millions of dollars and won. so *** banks and i will never trust them with my money. they can try to tell me that they don't do it but i have caught them everytime. They messed with a powerful smart person so try it again and i will keep getting my money back.
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Loss:
$20000
Reason of review:
Not as described/ advertised

Preferred solution: Let the company propose a solution

Sabreen Emt
map-marker Schenectady, New York

Billing customer service

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they charge my payment twice, I want the second payment reversed. acct. 512488****294151 jeanmarievollmer@***.com I will report them to the business complaints if it isn't reversed by tomorrow. I called the phone numbers and they keep hanging up on me. customer on the website says it does not will not come up it keep on closeing the website My phone # 518-466-**** I expect to be contacted in at least in by the end of tomorrow day. I make my payment each month on the account and I don't want to make 2 payments on one day. I want my money reversed for the second payment.
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Loss:
$184
Reason of review:
Problems with payment

Preferred solution: Full refund

1 comment
Guest

WOW You just put your account number and phone number all over the web for the world to see.Can you say identity theft?Not Smart at all.Also you put your email time to get hit with loads of spam.

Macil Ylc
map-marker Dearborn, Michigan

Out $1100 when ALS went out of business

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Chase Health will do nothing about it. I paid for American Laser, in advance, years ago, through GE Credit. Finished my services, paid it off early, everything was fine. I signed up again for American Laser Centers for a different hair removal procedure and as you know, you sign up for something that might last 3 years but you need to pay it off, at the zero percent rate, in 18 months, so I did. I never got all of the paid for treatments, from American Laser Centers because they went out of business. Now, even though I have 2 credit cards, with Chase, in very good standings, they will do nothing to refund half of my money. I think I should cancel my cards. What do you think?
View full review
Loss:
$1100
Cons:
  • Not refunding my money
Reason of review:
Problem with delivery

Preferred solution: Full refund

1 comment
Guest

Seems like what you needed to do was somehow get a refund from ALS. I am guessing you were aware of them going out of business before permanently closing.

I highly doubt that from one day to the next they disappeared.

You can't get your credit card to refund the money to you since they paid ALS on your behalf. You should've handled this directly with ALS.

Anonymous
map-marker Quincy, Illinois

Unhappy Account Holder

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A few years ago I opened a Chase account in order to have dental work done. Since the time of opening this account, I lost my job and my income has changed dramatically. This required me to consolidate my debt. All of my creditors agreed to the proposal except Chase Health Advance. I have contacted them on several occasions in order to rectify this issue. They have offered to arrange payment plans but I am still unable to make minimum payments, as my other expenses such as rent and food take precedence. My account does not qualify for any other credit options such as a waiver or settlement. I continue to earn high interest and accrue late fees, along with receiving harassing phone calls and voicemails. These efforts do not change the fact that I cannot pay my bill. It is very frustrating. Leave me alone.
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Loss:
$2546
Cons:
  • Payment options
Reason of review:
Problems with payment

Preferred solution: Let the company propose a solution

Batool Bxj
map-marker Brandon, Florida

Terms were not explained

I had to have dental work done. I applied for credit through chase advance. They gave me 18months to pay without explaining the rules and regulations.My first bill was 550.00. I have care credit and reasonable payment. I can pay more or less as long as paid by time given.If not interest added . They never said it would be a 550 a month payment. Destroyed my credit always had excellent credit until this happened very poor communication and service. Do not do business with this company. I have never recieved a bill or any communication from them.
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Loss:
$10000
1 comment
Guest

I had the same experience with Chase health advance. I haven't received anything from them either.

Anonymous
map-marker Anchorage, Alaska

Chase Health Advance... this can't even be legal!!!

I had laser eye surgery done in Dec. 2011. My payments were $ 176.66 per month, 0 % interest, for 2 years. I paid $ 200.00 every month, just to make sure I paid it off on time. In Dec. 2012, my bank sent my payment electronically to Chase, as they had done every month before, but this time, it ended up being 2 days late. My bank refused to assist me , stating that I knew they didn't send payments on the weekend. I am still fighting with my bank about this because I would NEVER have agreed to them sending the payment late, I would have had them send it early. Chase gets my payment 2 days late and assess me a $ 25.00 late fee. They tack that fee onto my Jan. 2013 payment, unbeknownst to me. No email, no phone call, nothing to alert me to this late fee. I have my statements sent to my email, but who reads them?? So, anyway, I go to pay my Jan. 2013 payment of $ 200.00 and then my Feb. 2013 payment of $ 200.00. I finally get a phone call from Chase asking me to call them. When I did, I was floored!! I was told that since they added the 1st late fee of $ 25.00 to my normal monthly payment, the total due for Jan. 2013 was $ 201.66. And since I didn't pay that, I was $ 1.66 short, even though I had paid $ 280.08 over my monthly payments over the past year, that they assessed me an ADDITIONAL LATE FEE of $ 35.00!!! Then when Feb. 2013's payment was only $ 200.00 , not the $ 236.66, they assessed me ANOTHER $ 35.00 LATE FEE!!! I asked if they could waive the Dec. 2012 fee, as a courtesy and they said yes, but they also informed NONE of this was Chase's fault. Then they said they couldn't / wouldn't waive the other 2 fees, even though the waiving of the Dec. 2011 fee would have prevented the 2 later fees!!! They were so rude to me!! I asked to speak w/ a supervisor and was transferred to someone who of course, i can't confirm was a supervisor and they fed me the same BS. I asked for another supervisor and was told the same thing! They said I had to pay $ 60.00 ( they would waive a $ 35.00 fee instead of a $ 25.00 fee ) and after I did, they would waive the $ 35.00 fee. Well since I had no choice, I paid it. I checked my account online a week after I paid the fee and my adjustment isn't there. I emailed them on 3/4/13 and lo and behold, they STILL haven't gotten back to me!! I have NEVER had an experiance like this w/ any credit card company. Who does this????? I wish there was something I could do. For now I will just post this complaint.
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Loss:
$60
5 comments
Guest

SAME STORY CAR CREDIT.. MAY THEY BURN IN ***

Guest

***. You guys need some practice paying your bills.

Everybody knows that the bank doesn't send a payment on the weekend. Foolish. Also why not pay your bills early? Why wait to the last minute to send it out.

It's no interest anyway.

Stop blaming others for your irresponsibility and maybe will learn and grow from your mistake. You may not like it, but it's the truth.

Guest
reply icon Replying to comment of Guest-989666

You are talking out of your ***, and probably work for one of these companies so shut up. She paid her bills EVERY month on time and even paid EXTRA.

The banks and credit card companies have the responsibility to have integrity and responsibility.

Instead, it seems they are not held accountable for shady tactics. $1.06?? Come on give me a break.

Her bank should have helped her out.

It is OBLIGATED to help her out. How dare they take advantage of someone like that.

What we need is for the credit card companies and banks to be regulated, and watched for practices that take advantage of the consumer.

Guest

I had the same experience, and I'm dealing with a $1500. additional interest charge.

This a total joke and what's crazy is I cannot find anyone who cares. I will not do business with them again.

Guest

I had the same issue with the bank and chase, except in my case i was not charged late fees, i was told that the 0% interest would be removed from my account and i would have to pay back interest on all the months that i paid in full and on time. i told them that this was not fair and they simply said sorry.

i offered to pay my remaining balance without the back interest in full right then and they refused. This was in 2010..

my balance has gone up now over $1,000 just in fees and is dragging my credit report to the ground... these people are ridiculous :(

View more comments (4)
Anonymous
map-marker Pompano Beach, Florida

Chasehealth is a fraud

chase health deaths with companies under the pretex of getting credit. I signed with this company to see if i would get c redit but they held me responsible for 3000.00 even though i did not receive any services. and i had to pay all that money for nothing. They are very fast to add lalte fees and harrass you and give you a bad credit report. They just want to ripp people off at any cost. don't patronize this rippoff co. This co. gives a bad name to all the banks if this country. The people who work there are *** and relentless. They have no brains and no understanding whatsoever. They should be closing shop instead of conning the public.
View full review
Loss:
$3000
Odelia Jmq
map-marker Fort Lauderdale, Florida

Chase health is fraudulent working with *** artists co.

I was conned into applying with chase health for credit and the company pressured me to sign the paperwork knowing that both chase and the other company will profit from this deal. While I got no services, chase health advance continued to harras me and and took all my money under the pretext that i would get credit. What a shame! Do not sign any paperwork to obtain credit with this company because they have you trapped and they will extort every penny you have. If you don't pay, they keep calling you everyday and give you bad credit regardless you get services or not.
View full review
Loss:
$2500
Anonymous
map-marker New York, New York

Chasehealthadvance

I had some cosmetic prcedures done on my face on aug 2011, for total 8350.00 which was also a ripoff. Chase health was billing me monthly for certain amount which I paid faithfully, even though I was paying it online if the payment was not sent at least week in advance they would charge me late payment fee, which I refused to pay.How could this bank not be equipt tohandle such a simple transaction.Well theanswer is cause they want to gyp us at of more money...So lastmonth according to the staement they sent me I was thru with the total bill..BUT THIS MONTH THEY HAD THE NERVE TO SEND ME A BILL FOR $1639.94 Say that this is the interest that accumlated. SINCE WHEN INTERESTIS DUE AFTER THE BILL IS PAID UP??I AM FIGHTING THIS AND IF I DON.T GET SOME RSULTS I WILL CALL TV STATON CHANNEL TO EXPOSE THIS CROOKED BANK
View full review
Loss:
$1640
1 comment
Guest

Unfortunately, retroactive interest is disclosed in their contract. If you have even one late payment, of if you do not pay the amount in full by the end of the "interest free" period, they can legally add the interest that would have accrued on the account all the way back to day one!

I have developed several merchant lending platforms for other financial institutions and I always try to avoid these predatory practices.

It is legal... but legal doesn't mean ethical.

I hope you get some degree of help from Chase... but if I were a betting man I'd put my money on them standing their ground...

shareholders and an expensive CEO to pay. :-(

Anonymous
map-marker Nashville, Tennessee

Questionable Practices

When I first opened the card I decided to sign up for automatic withdrawals so as not to incur any late fees. Unfortunately, the small print apparently stated that the automatic withdrawals would not start for 60 days. WTH? Therefore, I incurred a late fee on the very first payment. Upon calling to figure out what was going on I was placed on hold for a long period of time. They did however say that they would remove the late fee, but I had to call back the following month, because it was still showing on my account. Eventually, it was taken care of and I have since paid off the loan, but they're business practices are definitely questionable.
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lynellburns B
map-marker Los Angeles, California

Terrible customer service

This is the worst credit card company I have ever dealt with. The wait time on the phone when you call them is at least 30 minutes. They claim they have not received payments and then the late fee is horrible. They must hold payments and then claim they are late to receive the late fees. I am looking to take out a loan just to get rid of them. I have never had any problems with credit card companies until I got this one. I called them yesterday Oct. 16 and finally hung up after a wait time of 32 minutes. Today I finally got through after a wait time of 29 minutes. They claim they don't receive payments, which I don't believe. I have had to pay to stop payments that they claim they haven't received.
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1 comment
Guest

Totally agree, they always experience high call volume. Their web interface sucks.

Password reset does not work. There is no way of dealing with these incompetent f*ckers.

Anonymous
map-marker Allentown, Pennsylvania

Poor customer service. inability to notify customer with changes.statements not sent

I have been chase health advance customer since 3/2011. I have signed the contract. Monthly I have to call to pay for my account since the first month I have not been receiving the statements. I spoke with multiple managers there without the resolution to the issue. The biggest problem is that it is suppose to be zero percent account and senior supervisor Elizabeth have verified that it is. Today 10/15/11 I called to pay for my account since I did not receive a bill again and the payment was not able to be processed because ChaseHealthAdvance had stopped taken card payments over the phone. Yet again,that they notified me but I do not have any information that I had received. The conclusion is that they do not send statements!!!!!!!!!!!! The biggest problem is that without my knowledge the account is now bearing 25% when it is a 0% percent account. This company lied to me, customer, made money on me and have the most terrible customer service where the front line and management staff do not give the correct information.
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Anonymous
map-marker Hartford, Connecticut

Looking for a list of places that take Chase Health Advance

My literature that came with my Chase Heaalth Advance did not include a list of places that will accept it. So far only Aspen dental is the only one who takes this plan. So, I go to the website, where they tell you to go to find places that do take it and all you get is complaints to read. This is not like Care Credit, which almost everyone takes. So, what good is it if no one will accept it????? I need the info!!!!I need to get frontline for my cats and dog, and can't afford to dish out almost $100.00 for it. I want to order it from 1800Petmeds but I don't know if they accept this or not and have no way of finding out who does..
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1 comment
Guest

I had a Chase Advantage loan for approx. $20,000.

in 2007-****. I was relatively happy with the overall service during the loan period. The interest rate was high, but competitive with other options at the time. I was trying to pay down the balance quickly so I would make higher that the monthly payment and one month I made two payments in one month.

I assumed incorrectly that I could pay a lesser amount and or wait an extra month before paying the next payment. I got a late fee which I disputed but was informed about the billing cycle dates and decided I was wrong in my assumption. I paid off the loan in 2010 or 2011, but I kept the online bill payment information in my Bill Paying application via our Chase Checking account. My thinking was that I may want to reactivate the account should I need another implant.

This was a BIG MISTAKE on my part.

Recently, 1/10/2014 I made an $858.00 payment I thought to our Chase Slate Credit Card account but I put the dollar amount to be paid into the Chase Health Advantage field. Needless to say it was paid to a CLOSED Account with Chase Health Advantage.

They did not return the money and I didn't notice my error until looking at my Chase Credit Card Statement in February. I have tried for an entire week to first find a person to help me.

Chase Bank keeps passing me off to Chase Health Advantage and disavows itself with the company even though it is linked to Chase Bank.

Seriously not one person will help me with this claim. Once this is sorted out and if I have to send a letter to Jamie Dimon I will.

Now I am trying to contact a person at Chase Health Advantage and I am beginning to think the company no longer exists. All of the Website information is ***.

The phone numbers and website information don't work. On the phone you get these long commercials for credit card products at Chase. The Website is a circular loop that keeps pointing back to the main Chase Website which has no information on the Chase Health Advantage.

I have written three letters.

I have zero expectation that a person will even read them and God Forbid respond. Having had a career in finance I understand how money moves electronically and how to fix errors regardless of the origin of the error. It use to be the customer service was key to the success of a bank. This is no longer the case so all consumers need to make sure they do not make an error or an assumption because they are on their own in trying to fix it.

Lastly, I do not care where the banks place the call centers in terms of which country and which place has the best English language speakers. In fact, I go out of my way to be cordial because I suspect these folks get all sorts of rudeness, etc. all day, everyday. My issue is that no one has any authority to do anything.

All they can do and the best they seem to be able to do is stay on the line as they move you up the change of command but even at the top they can't actually fix the problem and tend to turn you back to they original place you started. So when you say that isn't going to work they simply do not know what to say or do. It is an unfortunate. Another reason why the United States is no longer a country of folks who strive to do the best job they can do.

I doubt anyone will read this but if it prevents one person from banking with CHASE and or take out a Dental Loan with Chase, it will be worth the time it has taken to complain. Good Luck I hope what I have not been able to find will be available to whomever comes after me.

Mary E. Vollert (206) 747-****

Brenya Wsg
map-marker San Francisco, California

Chase Health Advantage - Cheats

Do NOT go for the 0% Health care related loan. They frequently either "loose" your payment or simply cash the check a day late so that you are charged all of the back interest. This happened to us twice after we paid over 2.5 years and were NEVER late. When we called they would only repeat that we were late and so they must charge us the late fee/interest. We mailed other bills at the same time that reached their destination on time. Somehow when it comes to Chase Health Advantage the US mail cannot be relied upon?
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Loss:
$1
Anonymous
map-marker Cicero, Illinois

They did not fully disclose the terms - costing lots of interest on services not rendered.

Approved for dental work in the amount of $10,000 which dentist only said would need $7,000. Instead of this being used as credit when services were rendered they sent a bill for $10,000 when services rendered were only $2,000 It took months trying to straighten this out between the dental office and Chase Health which we incurred over $950 in fees and charges. The dentist office never clarified that they would receive the $10,000 immediately and Chase never indicated that they would send the money to the dentist whether or not services were provided. THIS IS RIP OFF AND JUICE LOAN!! Do not use this plan unless you really like throwing your hard earned money away!!
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