Chase credit card customer service blows

WAMU used to be great. The policies were fair, the customer service people actually listened and treated customers with respect. The bank went down the toilet, however, once Chase took over! 

 

The first month, they took $5000 out of my account instead of the correct amount of $500!! It immediately caused 6 NSF's although I had "overdraft protection" on my account("Oh but that was with WAMU, they said.) I also had $72 K in savings with them, but they bounced my checks!Then,they told me I'd have to wait until their accounting could verify the mistake, assuring me that they wouldn't charge me any MORE NSF fees?!  

They did nothing about the fees charged by the merchants whose checks from me "bounced" and the embarrassment of having a birthday check to my Mother-in-law be an NSF. They seemed more irritated with ME, than sorry, too! 

 

So, I closed two credit cards with them shortly after. I paid them in full, by phone, requesting they be CLOSED. But the next month they billed me $60 per card, as "anual membership fees." I ignored both, foolishly thinking the final "closed" statement would follow. But it didn't. They rebilled. I called, explaining I'd closed the accounts! Ah, but I was told that I couldn't close them "until they were paid in full!" I explained that I had already paid them off and was told they'd been closed. Too bad. 

 

I now had to PAY the membership fees to close the accounts? HUH?? But they said they'd automatically refund those fees within 90 days. When I objected, I was told that a supervisor would call me back. The next day, I was told again that I had to pay.  

 

So, I grudgingly did so, but the next month, they added a $15 late fee!! At that point, I just paid it all just to get the deed finally done. But they still kept the two annual fees ($120.) Worse? They billed me a dollar INTEREST the next month, again saying I could not close an account with a balance due?!?  

 

I argued it over the phone, demanding the membership fees refund, too, with no satisfaction. Then, I tried to just pay the dollar online, but it wouldn't take a payment that low. I called customer service, and they said I would have to mail a check, because they weren't allowed to take a phone payment that small!! The ending? Now they say they won't refund the annual fee because I have carried balances on those two accounts for 3 months following the annual fees. Argggggggg

I have been using MBF Credit card for over 10 years now.couldn't the the annual fee be weaved like most credit cards, that have attractive offer, free for life? Should I canceled the card and transfer the balance to another card?

Don't close the account, just cut up the card. Closing the account could change your debt to available credit ration and lower your credit score. If you aren't being charged an annual fee then at least you can use them for paper purposes and increase your credit rating. That's about all they are good for anyway.