Bests & Worsts Reviews from Amazon

They randomly decided to put a security lock on my account in December, but never notified me of this nor why they would do it. I tried to pay my bill, but could not. I called a dozen times over the next few weeks, but had to get to a special office, only open m-f, 9 - 5, but never seemed to be available when I was able to call. I asked them every time I called to please have someone contact me from that department ASAP. I tried to get a written communication going, but they will not do that under any circumstances. It's insane the run around you have to deal with to get ahold of someone to actually help in such a huge company like Chase. It has to be deliberate. In any case, I was one day past my second cycle of missed payments, but they agreed it was their fault, reversed all related fees and assured me I would not get a negative on my credit report. That was in Jan 2022 and my credit score was 780 (I've never missed a payment, nor paid late before this). Well, they hit me with a derogatory account on my CR, and cost me 60 points, The next day, they reduced my limit, dropping me an additional 30 points, I immediately got on the phone and started the process of begging them to fix it, but couldn't get anyone on it, so I filed a dispute. The dispute was closed with nothing being updated by them, which is maddening, because no one at the credit bureau can seem to answer any questions about this, so I now have to file a complaint with the SEC over Experian. In the meantime, because my credit score dropped so much so fast, it started a chain reaction with my other credit cards, and three more lowered my limit (even though I had a 0 balance on them all), and I am now sitting at a 630 credit score having done absolutely nothing to deserve it. After nearly 7 months of attempts to get them to fix it, someone from Chase finally got back to me yesterday, to explain to me why my limit was lowered back in January! I could have screamed. When I asked what they were doing about the erroneous derogatory report, they actually told me they can't do anything about it. I asked to speak with someone at the corporate level, and I was told no. I was then put on hold for over 10 minutes, only to have the same agent return to tell me that there was nothing they could do, and I should file a dispute. I had already told him that I had done that, so there was no further point in pretending these people were going to do anything but lie. I guess I'm going to have to figure out what to do on my own. I am going to file disputes and lodge complaints, but my credit in freefall, and I can't seem to do anything about it. By the time I can, i won't be able to recover. This card has literally ruined my life because of the awful way they do business at Chase. DON'T DO IT!!!! I am beside myself, this is so wrong, and i cannot get any help at all. I cannot stress enough how much you should stay away from this company at all cost.