Chase sticks out like a sore thumb compared to other creditors dealing with people in severe hardship, such as myself. I had an excellent payment record prior to losing my job over a year ago. I want to pay my debt, rather than file bankruptcy, but they seem determined to drive me into bankruptcy. In addition to absolute harrassment, they have lied to me on numerous occaissions, and everytime I think we've reached an agreement, they suddenly change the terms, and ask for a lot more money. Why is this company being allowed to literally get away with murder? Our legislature is just now talking about oversight after already giving banks like this billions? Someone's asleep at the wheel!!!

They have driven me into bankruptcy. CITIBANK, CHASE, BofA and even our local credit union was disappointing in following the same policies as the national banks. I have closed all accounts. Could have worked it out ... but every one of them gave the same story ... can't lower interest rates, etc., even though they invite you to call them. A total of $48,000. 12.99% was not good enough for them so they went to 29.99%. Now they will have to deal with the bankruptcy court and a reasonable payment plan at much lower rates spread over 5 years. See my website better1than1million.com where we believe that it is "better for 1 bank to go bankrupt than 1 million Americans". Shame on you who work for such evil unethical businesses. Do you sleep at night?

I spoke with a Chase Representative who said he would offer me, due to unemployment, a reduced rate that would effectively, continue to collect interest between the usual usury rate and the lowered rate they would offer for 6 months. So in effect, they offer lower interest only to tack on intereston what is not paid for the time I am not paying their baron robber rates. I said no thanks! What a racket!! And thank you to our senators (especially repulicans) who refused to strengthen or enact the bill any sooner. By the way, refusing to put their titles in capitals is a way to show how much I think of the people who are sworn to protect the interest of their people (less than a little)!!