My Chase Credit Card Services Billing Problems

I originally applied for the Continental Chase card in 11/2007 and at this time I received about a month of calls from Chase discussing the application and why I had applied. I received about six calls regarding this only to be told that I would be sent a decision soon. After a lot of waiting I did not receive the actual card until 2/2008 and at this point I contacted Chase to inform them I had just gotten the card. They told me everything would be fine and they would adjust my account once I made the annual payment so that my renewal date reflects the month that I received the card. I paid 65.00 for the annual fee and an addition $15.00 fee for paying over the phone. This was fine until 12/08 when I noticed an additional $65.00 charge placed on my account. The representative that I spoke to informed me that this was for the membership fee and I explained the situation to her and informed her that I was not due for renewal until 2/2009 and that I had essentially paid $80.00 for a year that was not yet complete. She informed me that I could speak to a supervisor and this person then said she did not care about my situation and that I could file a claim with the BBB about the problem if I wished. I informed her that I would not be able to afford it and she said that it did not matter to her. The card comes at a monthly cost of $5.41 and was forced to renew 10 months early. I essentially paid 6.50 per month, which means that I overpaid by 1.09*12=13.08 total that I am owed.

I also asked for a $25.00 credit to be placed on my account because of the attitude that the representative gave me over the phone when I was asking for an adjustment. Well, a few days later Chase contacted me by phone and apologized for any problems this caused me. They also wanted to let me know that $25.00 was too much but they were willing to give me $20.00, which I thought was a pretty fair amount considering the situation. In total I got the full amount that I wanted plus a small amount. They actually made me feel like they care about my business, I was going to close my account if they failed in that respect.