I started with not so good credit with Chase, and had no problems. I have been late, and I own that, however, I decided to take my credit more serious than ever and that's when I realized they were the wrong ones. I called in to make a payment with a representative who couldn't stop talking about her cats and dogs, though she was friendly, she was not listening as I stated to her to post a payment with account 1 (I had 2 checkings on file). It wasn't until I noticed the amount had never come out, but each time that I called, they said the payment had been received.
2 months later, I receive a statement from my bank showing an NSF fee to account 2, that had been closed for approx one month. I contacted Chase and they still claimed that I was current. By now, I had made 2 other payments. The following month I notice my scores drop, and the reason was for late payment in January. I contact Chase, and spoke to almost everyone who worked there since none seemed to comprehend my issue, after about a weeks worth of calling, and them pulling the recorded call, they find themselves at fault, and send a check in the amount of $70 which covered the 2 pulls from that NSF account.
My issue is now, I must come up with $338 times 2 because my new payment is now due, plus I have to pay what I owed from their mistake... I am livid and argue with each representative demanding they listen to all the calls made regarding this, and give me time to catch up and without any hesitation I was blamed for not ''checking my account'' and the late payment stayed on my credit. Moving forward, I have caught up and paid on time, every time, then recently my vehicle took a total loss (No Gap Insurance) with a balance of 7,500 to pay off on a 2012 Nissan Altima.
This is where things got so ridiculous, until I almost needed a lawyer. My insurance calls in to get pay off, they then cut a check for 4,300 whereas the rest would come out of my savings...no problem, I need to rid myself of this loan because I need a new car. These people receive the check, look at it, and lie stating it wasn't endorsed (THOUGH I SIGNED IT IN FRONT OF THE ADJUSTER) and mailed the payment back.
15 days later, after calling several times to be sure they received the overnight check so that I can pay the balance, they explain the lie to me, I have never spoken to so many people in my life than what I experienced speaking to Chase CSR's in one week. Back and forth, lies, disputes, stress, then finally they come out with their truth as being, "We thought the check was wrongfully sent to us, and requested the info from the body shop where you'll be getting repairs." WTF!!? The FREAKING CAR IS TOTAL, THERE WON'T BE REPAIRS. About 3 weeks pass, and my insurance is not wanting to cut another check until they receive the old one, so now I am dealing with once again my credit being affected because interest is accruing, and so are late fees.
2 months later, and I am still dealing with this from the time my car was totaled, they have yet to process the 2ND OVERNIGHT payment from my insurance, I have another late fee on my report, the dept agencies get tight when you request a supervisor as if they are qualified to handle this, when the supervisors show themselves unworthy. My insurance by now has contacted Chase out of frustration and concern, and now I'm working with a supervisor named Berry, Barry (something like that) who insist that when he receives the 2nd check, he will back date it to the original, wipe out all late fees and interest accrued, and contact the credit bureau to correct it.
I feel that is most unfair, while I can appreciate that being done, I don't trust them nor should I have to wait for them to fix their mistake while I'm being incriminated of my credibility. No matter how much I expressed to this supervisor that they are the reason it's prolonged and everything should be at a complete halt, he insist that he will correct it once they receive the check. YOU RECEIVED THE 1ST CHECK AND WERE TOO DUMB TO ACCEPT THE PAYMENT, why should I have to suffer and trust you to be sure my credit isn't affected by your incompetence.
I've dealt with their attitudes and frustrations with me constantly calling, as if they are at a loss, all I've tried to do for 2 freaking months was pay you off. Because of the mistakes, and them wanting to do things ''their way'' even though they screwed up I WOULD NEVER RECOMMEND THIS COMPANY... THEY ARE INCOMPETENT AND INCONSIDERATE of their clientele, and no one should have to pay for a company's mistakes.
SAN JOSES, CALIFORNIA -- WARNING: CHASE BANK is the worst, greedy bank I have ever dealt with. I know many of you feel the same way. I wanted to let the rest of you see why to never use CHASE BANK. I am switching banks because of the rude customer service and ALL OF THE FEES they charge for any reason they can come up with. For example: Low balance, negative balance, business support, for just having a checking account and others obviously.
They charge the small business to death – literally. Because of them, we are having a hard time staying afloat. I am currently seeking another bank to do business with. One that isn't so big that they no longer care for the small business anymore (typical multi-billion dollar company). Please share this to help others avoid this horrific company.
POMPANO BEACH, FLORIDA -- Chase Bank in Pompano Beach in Citi center is no good. No help customer service. No good supervisor. Same overdraft fee. I don't have a problem paying if I'm responsible but when the rules change they don't advise the clients of the change. And when you call to get help, they just same. The rules change and they can't do anything about it. Like I said they don't advise the clients. I been with them over 6 years and they wouldn't help at all. Please read the reviews before you open an account. Thank you. I hope this help you.
PHOENIX, ARIZONA -- They have stupid rules about their credit cards. In 2006 I filed for bankruptcy. I had a Chase credit card and had paid it off prior to the BK listing so I left it off my list of creditors hoping to keep the card open. I did the same with my personal bank credit card. The reason for the BK was due to a predatory loan and high HOA fees from my condo that basically sank me.
The day I filed the BK Chase cancelled my card, even though they were not listed on the BK. I asked why and they said they troll public records and if someone files BK their cards are automatically cancelled. My personal bank did not do this and to this day I still have the credit card through them with a 26 year history on my credit.
It's been 9 1/2 years since that stupid bankruptcy. Since then I have applied for and received store credit, American Express and Discover (zero interest), Best Buy (zero interest), and more. My credit score stands in the high 700's. I recently applied for an Amazon Visa card and they use Chase. It was automatically declined and their reason? A bankruptcy! 9 1/2 years ago! LOSERS! How dumb are you guys? You are losing out on a huge segment of the consumer market.
I will never apply for another Chase card, even after the full 10 years are up for my bankruptcy. I'd rather deal with a bank or credit company that wants to help people recover from a bad situation, not continue to punish them for 10 years!
ACWORTH, GEORGIA -- I got this bank for 12 consecutive years, lately start charge late payments when you past 2pm same date. When you call my call transfer to India where you have a hard time to understand what you say. Then I went to Cobb park away location, at the minute I mention I wanna chose my account the lady start treat me like a second class customer. After 12 years this people play with my money. I just say, "Sucks for you. Wells Fargo is 300% better." Bad for you Chase, I don't see you for long in the business.
BROOKLYN, NEW YORK -- Chase stole my money... I deposited funds into a Chase ATM and the machine malfunctioned. Upon filing a claim with their claims department, they denied my claim stating that they were not able to locate the funds... even with providing video footage from their ATM and CCTV from me depositing funds into the ATM they are finding me responsible for their machine malfunction and their teams incapability of locating my funds... I will never be banking with chase again and recommend that you do not as well.
STUART FL, FLORIDA -- I informed Chase bank that I'm closing my account. They put my paycheck to the fraud department to keep me from obtaining the fund. I deposited a check and it was over 4 days and it had not cleared. I went in to find out why and was told that it would be a few.
NYC, NEW YORK -- JP Morgan Chase is the most horrific heartless bank out there. They closed my mother's account without notice and reason. She is close to 90 and a holocaust survivor. Her social security and German pension checks were returned to their respective sources causing a great deal of effort to retrieve them. All of her auto pays were bounced and it was only because she had some spare cash at home that she did not go hungry. This was done with 2 days warning and additionally her accounts were frozen. She is also legally blind.
Nazi Germany behaved much the same way. Chase is ruthless and will stay away from them for the rest of my life. Mind you my mother was an account holder with them for close to gift years. A lot of good that did. They are despicable!!!
MIAMI, FLORIDA -- 03/24/2016. I deposited my paycheck as usually. ATM recognized 950.00, but my check was 1950.00. Two days after I Call the customer services. After 25 minutes in hold they transfer to claims department. They promised solution in 12 hours. March 29 I went to the bank on Doral. The lady said my solution is bring the screenshot from my job, my job said is restricted information. I went back to the bank, the same lady said me I has to wait April 5 to get my money.
I asked for the manager, answer was she left early. Tuesday 2 pm and supervisor promised put the note in the system. My big question. WHO WILL PAY ALL THE FEES I WILL RECEIVE FOR NONPAYMENT IN TIME
Chase Bank ATM Chase or help you customer services?
I applied for a Chase Auto Loan with a credit score of 760. I was approved at a very aggressive rate (3.93%), and I called Chase to give them the vehicle information before I went and purchased it - VIN number, mileage, the whole nine yards. I purchased the vehicle and was elated. Dream car, great loan rate, low monthly payments. I faxed my purchase order to Chase the following day and was DECLINED.
I inquired how I could be declined when I was already approved, and got a bogus answer about their perceived value of the vehicle being different from the price they already approved and their hands were tied. Now I have to go back to the dealer and accept a rate twice what Chase offered. Chase - do not GUARANTEE to lend if you are not going to lend. Everyone, be careful about their conditional approvals, they are liars.