Chase Bank

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Victim of Circumstances
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421 N DOUTY HANFORD, CALIFORNIA -- I have been battling Idenity Theft more less since before July 2011, I told Chase Bank about it and said I wouold give them a folder with all information in it so that they be aware of my cercomstances they said OK. Than they said if I opened a new account with them and get new bank numbers that would benefit me for less problems with past desputes I have been battling since 2006! After I opened with new numbers on my account, I was also instructed to always report any desputes I may still be having and to always order a new Visa debit card with fresh number every time I may still be having the problems in my account. After having this newest account for only two to three months I had in the last month or October 2011 only three desputes documtnted on my account and it totaled to an amount of seven dollars only. I also received conformation number on the desputes that everything had been straightened out in my account with chast confriming this. Than a couple of days after they cleared up these unauthorized debits, They told me their Chase Bank took an unaminnus vote among the Chase repersentives and they decided to kick me out of their Bank in reguards to three desputes that totaled up to seven dollars only and were proven to be unauthorized and I have a statement letter saying that too. The Chase Bank that mailed this letter that quoted:We are writing to notify you that we are closing your deposit account(s)in accordance with your Chase deposit agreement terms and conditions.

Important Information:-Your account(s) will be closed 10 business days from the date of this letter. -All funds in this account will be made unavailable for withdrawal and your remaining balance will be refunded to you five business days after the closing date. -Any fees, claims or other amounts owed will be deducted from the balance forward -If your account is overdrawn, Chase may remove funds from any other Chase account on which you are a signer (including joint account(s)to pay all or part of the overdraft.
Here's what you need to do: -Please stopwriting checks or making withdrawals on this account immedately. -Please stop using any ATMDebit card(s) for this account, and destroy the cards.-Cancel any pre-arranged automatic debits or credits for this account. -If your account is overdrawn, please make a deposit of cash or certified funds immediately.
If you have any questions or need further assistance, please call us at 1-877-691-8086 Option #1 our team can assist you Monday through Sunday, from 7 A.M. - 11 P.M. Eastern Time.

JPMorgan Chase Bank, NA, Member FDIC.

Please note:Based on your account activity and its subsequent closure by Chase, we may elect to report the closure of your account and the reason for closure to ChexSystems and/or Credit Bureaus.

If you are calling from outside of the US, please call 713-427-6380
I received this letter on October 26, 2011? I was told over the telephone by claims department on October 24, 2011 that my account had been blocked because it is being closed I asked why they said it will tell you in a letter you will be receiving and they wouldn't tell me anything at all? Two days later I received that letter, I have called five times asking what happened becaust this letter does not tell me what happened exactly, Than when I call Social Securiy Death Benefits Department to tell them to mail the Benefits Check to my residence Social Security Administration said I was to late in the month to be making any mailing changes because theres a dead line date than no changes can be made so needless to say the Benefits were Electonic Deposited one minite after midnite on Novenber 09,2011 so I called Chase Bank again to let them know and they said they have received nothing? I happen to know that when Chace Bank receives any Electonic Deposits of anyking that it is imeditly documented on their system and it isn't a debit withdrawal so it doesn't need to be held for two business days before posting to an account? So tell me where is the Social Security Administration Treasury funds that Chase Bank received on November 09,2011?????????? I than had the Social Security Treasury Call the Chase Bank Confirming that the Benefits had been Electonic transferred from the Social Security Treasury Department and had been received by JPMorgan
Chase Bank, NA, FDIC Establishment Bank location received in located at

Chase Bank
421 N Douty
Hanford, CA 93239

I drove to the Chase Bank to pick up the Benefits and Chase Bank would not give to me. I said than give me my twelve dollars you blocked in my account sixteen days ago? Your letter stated you were going to mail me the rest of my account funds in five business days after the closing of my account you kicked me out of without a reason and I also want my monthly Benefits you received I have bills due today that you are keeping from paying due to your circomstances of as why you closed my account. And now that its been closed for sixteen days already and you are still messing with my and now holding my monthly Benefits. I do not owe you any money and you also haven't given me my funds that were left in the account. So they gave me my twelve dollars so I could have enough gas to get home on and said at 10 A.M. November 10,2011 they would call me and tell me if I could pick up my Benefits funds or not yet?

O. K first-Chase Bank closed my account without telling why?
second- Chase Bank said they would refund my fund that were left in the account in five days "They did not"?
third-Chase Bank Excepted the Electonic Deposit that was sent from the Treasury Office of Social Security Benefits. "Why did the except that Benefits Check sent to me at their Bank when it was Block for everything else"?
forth-Do you think Chase Bank is going to release my account funds that
I asked for while I was at their Bank on November 09,2011 If I had any pending balances? No I Don't Think So!

At least that is what they said in the closing letter and its been sixteen days and they sain in the letter ten business days everything would be completed and released of the closure of my account they voted to close without telling me why or what the reason being in detail, Also I need that reason so that I may file a report on it with the rest of information I have put together for my police report on the Idenity theft that has been exposed on my behalf!! This was instructed by the Federal Trade Commission on the list of instructions they gave me to go by to complete my Idenity Theft Reporting it to the Police to File and than I receive a Case number to provide everybody including Chase Bank that I had told I was going to provide for them on my account problems. Look What They Finished Me With Not only closing my account that I need, but by turning me into ChexSystem and maybe the Credit Bureau too. I didn't need that I was barily trying to establish some good credit for once and now I won't be able to ever have a checking account again thanks to Chase Bank and I'm also one of the victums that Chase Bank Borrowed 200.00 from last year and I kept calling Chase Bank asking them why are you not finding the 200.00 that disappeared out of my accoount for three to four days Than after that it reapeared, I asked Chase Bank where did you fing it? They said we didn't we don't know what happened? Now I'm going to sue Chase Bank I feel like I to stressed out and my blood preasure feels high and I also can't pay bills now and they have been jacked us in dollars so I owe more and now I don't have enough money to ever catch up on being behind on my bills and I sinking fast, and my name is on the black list of ever having another account of any kind or credit.
     
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trmn8r on 11/10/2011:
I browsed your complaint, because it is rather lengthy.

The main thing I see is that Chase closed your account by their decision, not yours. They CAN do that - I view it as a privilege for a bank to agree to work with me. You state that you were the recent victim of identity theft, and have other disputes going back to 2006. Now it sounds like there are three new disputes - the amounts probably don't matter.

The bank is probably covering its own derierre here, and sees you as a risky customer - perhaps due to no fault of your own. I certainly hope you get whatever funds are in your accounts back promptly.
Anyhoo on 11/10/2011:
I find it odd that you keep being a "victim" and require all these disputes to be filed on your account. People who have suffered from identity theft, normally are more careful with future transactions. I would consider you a risky customer as well.
Fufu487 on 11/11/2011:
as a bank employee, I see a lot of fraud that happens. Usually there are not reoccurring instances within the same bank. Once they change the information that has been compromised (account and card #'s, PINs) that should be the end of it. most cases of recurring fraud happen at the credit bureau level, such as applying for cards and instant loans under the victims name. This case DOES seem odd.
cheryl pierce on 11/15/2011:
Victum of Circomstances, My Monthly Finances and Idenity! That's my story and for those of you who are so well off in this crule world today, That do not have to live from check to check low income! Well now we know who you are lets say! When the treasury had electronicly sent my last funds to the Chase Bank for those of you who say that They Can Do That? What ever! well needless to say Chase Bank excepted it into their bank because since I last said in my complaint they blocked my account and said that in ten business days that I would received the rest of that account funds, than my account would be finally closed! Sixteen days later my socal security treasury benefit funds were sent their because when Chase Bank put the block on my account it was after the deadline for changing your mailing address through the ss treasury. So they told me that the check would be transfer to the Chase Bank as usual,than with the block that chase put on the account the check will automatically return to the ss treasury dept and from there it will be mailed to your residence. So on payday the check went to the Chase Bank. I than called ss treasury to see if it had been returned? ss treasury said it was not returned and than we made a three way phone call to chase claim dept. Chase Bank Claim Department still said we do not have it we can't find it? That was October 09, 2011, So ss treasury started an investigation on the whereabouts of this Social Security Treasury Benefits Check that Chase Bank 421 Douty st Hanford, Calif 93230 Had Electronicly received? Now for all who like making comments like They can do that? Ya right? So now I can't even pay my monthly Bills either! That was real nice of them! I since found out that when a Bank desmisses you from their Bank that they by law have to tell you what they are desmissing you for,So you know the reason as of why. And no matter how many times I asked them please I need to know so that I can file a police report so that I may protect my Idenity! They just kept saying they didn't know why. I also called everyday asking about the monthly Benefits too. They always said we have no record of ever receiving it? By Friday October 11,2011 Customer Claims said to me yes we have Deposted your Benefits Check into your Checking Account. I said you mean the one you Restricted and Blocked so that no one or no Transactions can enter the account again, Because you kicked me out of you Bank and Restricted the account by Blocking it til ten business day pass and than No More Account!! "Remember" Yes your Benefits Check went into that account? I said is that right you were to send it back to Social Security Treasury, Because that Account was to be all over and closed? Also you not only excepted the Benefits Check into the Blocked Accout But you still have what little funds that were left in that account that you were to have mailed to me before now too. What's up with that? Than Chase Bank Claims Department says to me? Now that the Benefits Check was excepted and Deposited into the Account at our Bank! We will have to hold on to it for another ten days before we can close your account! I said you have to be kidding so all my Bills will not be paid for almost a month from now she said that our policy theres nothing I can do about it, and it might be even longer we will have to waint and see. There you go thank you for you Comment on They Can Do That? Now what do you think, Besides my stories are to Long! You do not even know the half of some of the things that are taking over my Idenity, You should try it sometime its a real roller coster ride.And just maybe you won't be committed or crazy by the time you try to resolve everything in many ways and forms by yourself!
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Disputing charges/NSF fee reversals
Posted by on
Rating: 1/51
OREGON -- I've never dealt with such rude, uncaring people as I've experienced with Chase's claims/disputes department, when I called to dispute charges on my checking account. I opened up a checking account with Chase when I received an insurance settlement and was treated like a queen at the local branch. Over this last year, however, I lost my job and trying to support myself and two children.

I called to dispute charges which also caused NSF charges on my account, which were reversed initially. After this, the merchant credited my account when I left town to care for my terminally ill grandmother. (I couldn't get internet access or cell service where she lives.) Chase debited my account a few days later without any notification to me, which caused numerous NSF charges and I wasn't even aware of it.

I called the claims/dispute unit and asked to have the NSF charges reversed due to their debit without notification to me; plus I had no ability to even view or check my account by phone while out of town. I was told by Chase the charges were scheduled to be credited to my account the following day; no problem! This not only "didn't" happen, but it caused even more NSF charges to accumulate... I called Chase again and was told they didn't know why the reversal hadn't happen and promised me it would happen; including reversing the "accumulative" NSF fees which occurred from it.

My grandmother passed away recently, but when I checked my account, no fees were ever reversed and even more NSF charges had accumulated over time. I called Chase Claims/Dispute unit again, was told (quite rudely)Chase wouldn't reverse the NSF charges and they were not sure why the other Chase employees made this statement, even though they could read the notes and knew these statements were made to me... When I asked to speak a supervisor, she put me on hold and then said her supervisor's "system" was freezing up and she couldn't view my account info. I was asked to call them back in 2 hours.

When I asked why they couldn't call me back, as it was a problem with Chase's system, I was told they "can't" do that. I've never dealt with a company that takes absolutely NO responsibility for the info and promises made by their own employees. I didn't have any access to internet/phone while I was providing 24 hr. care for her, which couldn't be helped. I have no regret taking care of my grandmother until she died which allowed her to stay in her own home. I DO regret setting up my account with Chase Bank

Since Nov. when I went to stay with her, I've incurred over $1400.00 in NSF charges which my kids and I cannot afford... Based on the "profit" Chase has made off of my situation you would think they'd treat me with courteousy and respect since they don't get that much profit off of their customers in such a short timeframe! I should be returning to work in a month or so, thank goodness:) Until I get back on my feet again we have no money, when there should be well over $1400.00 in my checking account. Thank you Chase, for providing such caring, compationate, trustworthy banking services for our family during our most difficult time...
     
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trmn8r on 02/22/2012:
There are a few things going on in your complaint, but it would be helpful to review how many banks, including Chase, handle overdrafts. They may forgive the first one or if on the same day more than one. But they only do this one time.

Multiple attempts may be made to clear a check presented to a bank for payment when funds aren't available, causing multiple overdrafts if funds still are not available. It sounds like that is what happened to you.

Banks have instituted new ways of penalizing account holders who leave their accounts in an over-drafted state - such as hitting them once every three days with another fee. My local bank does this so it doesn't surprise me a large one would as well.

I'm very sorry about your grandmother's illness and passing, on top of your employment woes. Sadly, banks don't look at us as people but as accounts. It sounds like you may have been given bad information by some CSRs, who may not have researched your account to see you already had overdrafts waived. That's my guess based on your complaint.
tnchuck100 on 02/23/2012:
If you can document the the invalid charge to your account and their statements to you to correct this then file a small claims case against them. You can subpoena their records for the promises made.

If you do this they will probably call you to settle before actually going to court. If it happens that way the settlement needs to include your costs for filing and the subpoena.

It's a hassle. Chase is counting on you doing nothing to challenge them.
michael on 02/23/2012:
CHASE IS A BIG rip off. very rude.
tnchuck100 on 02/23/2012:
"I called to dispute charges which also caused NSF charges on my account, which were reversed initially."

Did ya'll miss the event that started this mess?

"I was told by Chase the charges were scheduled to be credited to my account the following day"

Did ya'll miss where Chase lied to the OP and continued to compound the problem?

The way I read it Chase screwed this customer to the MAX!
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Home Equity Line Of Credit
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NEW YORK, NEW YORK -- I sent an email to the CEO of Chase. It, of course, bounced back (I am unrecognized). Chase Bank Executives do not want to hear from it's customers and the bank workers are too afraid to lose their jobs so they run interference, never getting any opinions up the ladder to corporate.

I have a Home Equity Line of Credit with Chase Manhattan Bank. I own a property. I recently stopped working full time though I am looking for full time work. I worked for 20 years in a business that is no longer a money making field. I was approved for a Home Equity Line of Credit in May 2008 by Chase Manhattan Bank for a fairly large sum of money.

I received a notice in the mail today that my line of credit was suspended because of "negative credit information" that came up on a random credit report that Chase Bank ran on me recently. There was no warning, no directions in the letter explaining how to get my line of credit active again nor was there any information on the "negative credit information" Chase found that caused a Chase officer to make such a final decision regarding money that the bank had already approved for allocation. There was a phone number to call in the letter. I called. I not only called, I went to my bank personally to see if the bank loan officers there could do anything about this. I was told that I would need to purchase a credit report myself and fix whatever problem there was on the credit report and then send in a letter and a copy of the cleared credit report to Chase Bank, after I cleared up the problem. Until then - no money available to me.

Chase Bank made a decision suspending my line of credit based on 2 reports of delinquency reported by Bank of America for credit card non payment. I fell behind on 2 payments on a credit card that is no longer active. I had closed this credit card because it was in my married name and I didn't want any association with that name any longer. My husband moved out of the country and left me with a mound of debt that I have been slowly repaying.

So Chase suspended my line of credit, after 2 silly delinquent credit card payments from another bank institution. I have been working part time and paying all my bills. The credit bureau report from Bank America reads "consumer closed account" and delinquent payment for 2 months. Most important is that there was money paid to Bank America on the delinquent payments via a direct deposit from my Chase checking account because I had made a deal with a collector from Bank of America who offered a reduced monthly payment to me for a few months. They did not disclose to me that the reduction doesn't change the fact that the payment is delinquent. The way it works with them, which I found out today, is that even though I paid partial payments, it is technically considered delinquent. Why would Chase Manhattan Bank choose to use this ridiculous credit report to make a huge decision over finances that rule my daily life, instead of my history of payments and business dealings with Chase?

Since Bank of America reported these 2 partially paid payments as delinquent to the credit bureau (and they should be crucifed for this), my credit rating has plummeted to 520 and my home equity line of credit was suspended.

The fact that I have banked with Chase for 20 years is not significant. I had direct deposit scheduled for repayment of this Line of Credit. I cannot believe that Chase Bank would suspend my line of credit, because of 2 minor inaccurate reports by the Bank of America, even though I own a home and the equity in the home is enough to repay the debt. I cannot understand how Chase Bank could get away with closing a line of credit, when they are
getting paid on time every month? There has not been any delinquent payment at all on my Chase Line of Credit. On top of that, I have been a good customer to this bank. I'm not penny pinching and sometimes paid high ATM fees. I've travelled throughout the world and used my banking card internationally, paying large fees to Chase in addition to monthly overseas wire transfer fees - incoming and outgoing.

When you call Chase, you can't get a person with decision making power on the phone. All of their bank employees are bound by very strict company policies and the consumer can't reach the policy makers at Chase. There are no personal decision makers any longer available to the customer, not even in person in the banks themselves (they all blame the corportate office for the policies). There aren't any flexibilities in their policies that are fair to the consumer.This is a terrible way to do business. Sounds like they hired a cookie cutter consultant with inaccurate research on how to make more money by screwing people over. I've seen this before in various other businesses (in the long run - they all lose mega billions after their CEO's get mega million pay-offs after running these companies into bankruptcy with their genius anti-consumer theories).

Though this is a letter from a frustrated customer, it is more than that because quite frankly, they are engaging in unfair and unethical business practice. Anyone who takes a home equity line of credit is in pretty dire need of the money. And anyone who is using a credit card is too. And any bank that recinds the money after approving it, without taking into consideration the economic situation of the borrower, is the lowest of the low.

If they were a good consumer oriented company, they would have reached out to customers upon a red flag raised, and at the very least, proposed reducing the loan amount that the bank would make available. That would be good, and fair customer service. This cancellation of my credit line, notified by a black day letter,
without any information attached to it, and a robot voice on the end of the line is purely sinister.

There is really no accurate evidence that I will default on my loan. The fact that I own my home, and that this is a home equity line of credit, that was previously approved for a specific amount against my home, is a guarantee of a return of the money. None of this makes logical sense. In fact, the bank will make more money if they kept my line of credit active. It is not right for Chase to penalize me for my dealings with Bank of America (which is really not any of their business). Bank of America is very wrong here and I am going to deal with them on this but that should have no bearing on my business with Chase Bank.

truly flabbergasted.





     
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Suusan B. on 09/02/2008:
Banks that issue mortgages and HELOCs are looking for any way possible to either freeze or cancel the line of credit due to the decrease in the value of homes.
kbgpin on 09/17/2008:
My son just had his HELOC canceled in middle/end of a home remodel project. His credit is perfectly fine- this was just an example of how banks & insurance co.'s will do anything no matter how unethical to rake in the money and screw their customers. It was never mentioned to my son that this could happen- yes it was in very small print somewhere in the contract. He was given no notice- just found a return check charge. We need to stop utilizing these institutions and slam them every chance we get-- they only understand the pocketbook bottom line.
snoopy123 on 09/24/2008:
Chase is the worst.
kkrober on 10/06/2008:
Did you get the email of the CEO yet? I have a similar case and if you read the contract I think they are in violation of breach of contract. In my situtation the only thing that changed was that I opened 2 new credit cards (never mind that I closed two) but my points dropped and they are using that to suspend my account -- WITHOUT NOTICE. I think we need to find a lawyer that wants a class action lawsuit.
donadame on 11/01/2008:
Chase is not the only bank freezing HELOCs. Do a search on the web and you'll find many banks are doing this even when their customers' credit reports are fine.

It sounds as if you have more issues with Bank of America than you do with Chase. Just remember that HELOCs are borrowed money - it's money not yours to begin with. Therefore, YOU don't get to make the rules. Any bank can see you as a risk and freeze their lending to you and they can because it's THEIR money - do not rely on someone else's money and you'll be okay. :)
Fuego on 04/24/2009:
Chase suspended my HELOC too! I have an 800+ credit score, unchanged income and 80% equity. More than enough equity to justify the line of credit I currently have. Chase requested a form 4506 to get a transcript of my tax returns. I sent it to them as they requested. They then sent a letter claiming I never sent the form, and my account is frozen. So, I faxed the form from one of their branches. Still they claimed they did not receive the form. It took a complaint to the OCC to get them to finally admit they had the 4506 form! It's been thirty days, and every time I contact Chase I get a new LIE! I'm so sick of this. Does anyone know how long they have to make a decision on my HELOC. 30 days, 45 days, 60, 90, or forever... ?
Miles Thomas on 02/24/2010:
I'm glad these bozos are getting sued. If your Chase heloc was closed, read this and get in on the class action suit: http://www.helocbasics.com/class-action-suit-filed-against-chase-for-heloc-freezes/
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Shocked at Their Privacy Policies. This Branch Is an Identity Thief's Dream Come True!
Posted by on
Rating: 1/51
GARNERVILLE, NEW YORK -- I had the WORST experience at the chase Band located at 58 W Ramapo Rd Garnerville, NY. ( I have to say that the tellers at this branch have ALWAYS been a pleasure to work with and this review is certainly no reflection on them) I went in to get something notarized and waited over 30 minutes. The long wait time was certainly annoying as I sat and listened to Erica talk loudly and incessantly to the couple she was serving but I figured this was their idea of friendly service. What I found absolutely UNACCEPTABLE is the way this couples private information was broadcasted across the bank. I know both of their names, how much money they make jointly, their home address including apartment number, his mother maiden name and the approximate time their cards are due to arrive in the mail .I guess the couple are lucky that I am not a thief because the bank employee would have made my job very easy, if I were one of the bad guys. In this day and age of identity fraud I was absolutely flabbergasted at the unprofessional and dangerous business practices being displayed right in front of me. If they care so little about this couples privacy, how in the world and I supposed to feel safe about how my information is handled?


Erica, the chase employee in question, could tell that I was very annoyed at the situation but it was her believe that my frustration came from having to wait so long. I was fine with letting her believe this was the reason for my frustration until she then curtly told me that if I had called and made an appointment for notary services then I would not have had to wait. I replied that I DID call and if making an appointment ahead of time was such a great idea then perhaps the person on the phone should have informed me of that option. She went on to make a quip about how it was 20 minutes until 6 ( I arrived at 5:15) and that I was lucky that they even had a notary available to help me. I informed her that during my phone call I was assured that a notary would be available until 6:00 on that specific day. So I guess now I am supposed to feel lucky that there was even someone there doing their job?


So the privacy of personal information is obviously NOT a concern (what I witnessed has to be against the policies and procedures of any banking establishment) and I as customer who tried to do her due diligence and called ahead of time is somehow left feeling that I should feel fortunate that she even bothered to help me at all. So why am I banking with this establishment? I have no idea but I know a lot of other banks that would welcome my business.


The difference in customer service between Chase and competing banks is an eye opening experience. The times they are a changing. I guess when you bank with an establishment for over 15 years they just assume you will never leave....how wrong they are.
     
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yoke on 02/17/2014:
Some people do not realize how loud they talk. She is lucky that you are an honest person. I may have asked for a manager at the end to let them know exactly what was overheard. There may have been others that heard the exact same information that may not be as honest.
JoeKay on 02/20/2014:
I only recently realized why my mother was always telling me to shut up and why as an adult people often suggested I should have been an announcer. Its because I have one of those deep boomy voices that carries. I've been told that you can hear me talking at a normal volume 30 feet away. As a born gossip and someone who sometimes "privately" vocalizes his thoughts, I also realized why there are people I hardly know who "for some reason" have no use for me. Oh well. Better they found out one way or another.
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Closing a Business Account
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NEW YORK, OREGON -- Began a process in February, 2011 attempting to close a business account that has been open for probably 7 years. Originally hoped to transfer this acct. but there is no Chase Manhatten Bank in our area, so cannot transfer the acct. The branch where the acct. was opened advised that the owner of the acct., my boss, needed to come to the bank in person to close the acct. When I pressed the issue I was given an 800 number to call. After speaking at great length, giving every possible piece of information about the acct. was told that it certainly could be closed over the phone. They would send paperwork.

A month later, no paperwork had arrived. I again called, got bounced around to a couple of people and finally was told that yes, this acct. could be closed over the phone. Again reassured, gave all the information, again.. told the paperwork would be sent to my bosses home address.

Now my boss is getting frustrated. So in August I called again. This time I was instructed to write a letter, I was given a fax number to their "National Account Closing Dept." Per the conversation, 10 to 12 days after receipt of this letter the account would be closed and the check would be mailed. To neither my boss's surprise nor mine, no check ever arrived. He then got on the phone and spoke with someone at the 800 number. As their conversation continued, he was given the same royal run-a-round that I was. Finally in total frustration, he asked to speak with a supervisor. He was told that there was none on duty. He asked when a supervisor would be on duty and . . . got the run-a-round. She finally appeased him by telling him that he would be sent paperwork that needed to be completed. Once that was returned, the acct. would be closed and a check would be mailed. Well, that didn't happen either. No paperwork ever arrived - again.

Today I tried calling the branch where the account was originally opened. I asked to speak with someone who dealt with closing accounts. I was sharply told - you have to appear in person! I asked if I could speak with someone else. I was told there is no one else. I asked if the bank employed anyone besides the woman I was speaking with? She clicked off the line and when she came back on she told me again that you need to appear in person to close an account. I asked again to speak with someone other than her. She finally transferred me around (I know it was at least twice)and I ended up speaking with another woman. She asked for acct. info, etc. She then informed me that the acct. was closed. I asked how that happened? She then told me that because the acct. was inactive the monies has been forfetted to the State of New York. She told me to give her a few minutes to make a few calls and she would call me back. About 20 minutes after that, she did in fact call me back. She then informed me that she needed to know if I knew "this name". She rattled off a name and I told her since I was not involved when this acct. was opened I did not know or recognize the name, however, since my boss was standing at my desk I could put him on the line. He spoke with her and she asked him the same questions she had asked me - acct. #, etc.

Finally, she told him that he needed to provide two photo ID's, copies of the checks, and other information about the account. Then she gave him a fax number. I have tried twice to get that fax through and have not been successful. It registers as "incomplete number". I guess the only recourse is to turn it over to an attorney and stop the madness.
     
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Alain on 11/12/2011:
Chase clearly doesn't care if they keep your business or not. Close the account and give someone that cares your business.
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Horrible Customer Service
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I guess I had an overdraft protection service on my checking account that I was not fully aware of. The year before, I had gone to a branch with my husband and was asking about something else. A representative at the branch decided to do something on my account without my consent and I get a credit card in the mail. I do remember specifically telling the representative that I did not need a credit card account or a credit card. I received the credit card and never used it since. I did notice a credit card account on my accounts under my chase login, but I assumed that it had to do with the credit card and not associated with something else. I noticed some charges on my chase credit card that were my overdraft charges on my checking account and the fees for it. I contacted the credit card department to see what charges were these and how did they get there. So, since it was seen as being correlated to my checking account, I was asked to go to the checking account department and discuss it with them. I was on the phone with someone and asked her to hold while I verify the appropriate checking account number. When I came back to my phone, I was pretty much hung up on and I could hear the replay of the menu that directs you to the appropriate customer service representative Finally, I get a hold of someone to talk about my checking account. I am asking her all sorts of questions about it and specifically why I have an activated credit card account and how does that work. I am trying to figure out why I have an activated credit card account when I have never used the credit card. So, the lady tells me that I should contact the credit card company and ask them those questions since it is relative to the credit card account. I spoke to the credit card department again and the person explains to me that it is activated because I have overdraft protection. On top of that, the representative explains to me that anyone of the reps that I may have spoken to in either departments could have explained this to me and that they were just pretty much passing the buck. I am sorry, but that just upsets me even more. I had a few more questions as she continues to explain it to me because she stated that the minimum charge from the credit card is $50, which I can see on my credit card, but I see another overdraft protection fee which is 5 bucks. From her, I am being told that I have to talk to the other department again to see why the minimum overdraft protection fees are variable. It just got really frustrating since I am being bobbled between two different departments to get all of my questions fully answered because the overdraft protection fee is associated with both the credit card and the checking account departments and neither department is taking full responsibility of the situation. Not once have I ever heard someone even state that they will do a three way calling with the other department to fully answer all of my questions. That would have made it so much easier on me as a client to fully resolve the issue. Me, having been a customer service representative, I have done that so many times for a client to fully resolve issues.
     
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msnanny on 01/31/2011:
Here's what I THINK may have happened. Knowingly or not you have overdraft protection. Evidently your account went in to overdraft and your protection consists of billing the amount to your credit card.
trmn8r on 01/31/2011:
This is one of the joys of working with a huge bank. Reminds me of using BoA for my mom's account.
anon456 on 03/10/2011:
Chase does have the option where you can enable overdraft protection through a line of credit, aka a credit card. I think this option defaulty occurs if there isn't another account to link it to. However, within Chase's phone based customer service there are extremely tight and strict standards as for how long a call can occur. Additionally, there are over 50 phone based departments each with a specific function. One representative may not know the specifics of overdraft protection, while another may not know the specifics of fraud, etc. Understandable that it is frustrating, but try not to think of Chase as a whole, but more as a bunch of borderline white-collars who hate their jobs more than you hate Chase.
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Want Obnoxious Customer Service? Bank with Chase!
Posted by on
My, my, my, we really miss the days of Washington Mutual (WaMu)! The transition to "commercial banking" has been emotionally and financially brutal to say the least. Now unsuspecting walk-in customers are ambushed by suited predators whose devious premise is to "assist you with your transaction(s)", when they are actually lined up to slam you with the Chase mega-sales pitch. Their tactics are more aggressive than a seasoned auto sales persons, which leads me to believe there are definitely commission perks lurking in the shadows. Prior to today, I had managed to avoid the harassment by using the ATM or flat out refusing to leave the teller line and enter into the "cubicles of deception".

Well, today (1/23/11) at 10:22 AM (PST), my core Chase nerves were aggravated by an extremely rude, arrogant and argumentative representative within Operating Loss Prevention (OPL)! My issue is quite simple, a personal check was deposited into my checking account on 1/20/11 and the funds were withdrawn from the payer's account within a few hours on the same day. My question, after two business days, why are the funds still not available? Well, I was transferred from the primary customer service office to the OPL office which is located outside of the US. After hearing the empty response from the Chase rep, I asked to speak with a supervisor/manager. He adamantly refused and became extremely upset and argumentative. His accent went from "thick to mushy" within seconds! After at least five ignored requests to be transferred, I informed this obnoxious and arrogant man that I would not respond to his repeated statements of "The supv/manager can not release the funds on a non-business day.", and would wait silently until he transferred my call. Yes, you guessed it, I was placed on hold for five minutes! After his supervisor answered the call, she had to do additional research which meant another five minutes on hold. Thankfully, she was able to provide me with sound information and an effective resolution. Regretfully, when I asked to receive the mailing address for written complaints, she asked to place me on hold to search for this information. Yep, another five minutes (10:42-10:47 AM PST)!!! Oh, it gets better! Much to my surprise, when she finally returned and apologized for the long wait, she claimed to NOT HAVE an address for customers to mail their complaints, but would note my concerns in their "system"! My response was that I would do an internet search to find the mailing address to their corporate office and send my letter to the President and Vice-President of their corporation. My final request was for her to note in their "system" that as a Chase banking customer and loan mortgage client, the poor customer service I received today was nauseating, obnoxious and a total disgrace to the banking industry!

Well, my search turned up this website and has allowed me to vent some steam before sending out my formal complaint letters to the Chase Executives (for what it's worth!). Thanks for offering a networking website for the people!



     
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Anonymous on 01/23/2011:
Why don't you just close your bank account and go to a local bank or a credit union? You will be much more appreciated there.
trmn8r on 01/23/2011:
Today *is* Sunday. I'm surprised you were able to get this resolved, and I am wondering what the solution is. Was this a large check?

I agree with the other reply - you will probably receive a lot better service at a smaller bank. I used BoA for my mom, and the cust svc was horrible.
tnchuck100 on 01/23/2011:
Local banks and credit unions will beat the big banks hands down for better, USA based customer service. Additionally, you can usually find someone face-to-face that has the power to actually resolve issues.
CrazyRedHead on 01/24/2011:
"Cubicles of deception" That's a new one, lol.
sj2222 on 01/24/2011:
I bank at chase a when I have problems like that I enter the cubicles of deception and ask for assistance. that is the bankers job...typically they are very helpful
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A Check I did not write....How was it cashed
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345 HUDSON STREET, NEW YORK -- ON SEPTEMBER 13TH, 2010 I CALLED CHASE TO MAKE SURE THAT I DID NOT HAVE ANY OVERDRAFT CHARGES ON MY ACCOUNT AND IF MY ACCOUNT WAS IN THE NEGATIVE I WOULD TRANSFER ANY MONEY THAT I HAD FROM MY SAVINGS INTO MY CHECKING ACCOUNT IN ORDER TO COVER THE FUNDS. I WAS TOLD THAT I HAD A FRAUDULENT CHECK THAT SOMEONE ATTEMPTED TO POST INTO MY ACCOUNT AND BECAUSE OF THIS REASON CHASE WAS GOING TO CLOSE THE ACCOUNT. THIS IS WHERE THE WILD GOOSE CHASE BEGINS. I EXPLAINED TO THE REPESENTATIVE THAT I DON'T HAVE MY ATM CARD WITH ME AND THAT I DIDN'T REPORT IT LOST OR STOLEN BECAUSE I UNDERSTAND THAT I AM CARELESS AND SWITCH BAGS AND PERHAPS I LEFT MY CARD IN ANOTHER BAG. AFTER SHE INFORMED ME THAT MY CARD WAS USED IN FRAUD I ALSO EXPLAINED THAT I DO HAVE A POST IT ON THE BACK OF MY CARD WITH MY PIN ON IT BECAUSE I HAVE A BAD HABIT OF FORGETING MY PIN. SHE TRANSFERRED ME OVER TO THE FRAUD DEPARTMENT BECAUSE MY ACCOUNT WAS RESTRICTED AND THERE WAS NO MORE INFORMATION SHE COULD OFFER. I WAS TOLD BY THE FRAUD DEPARTMENT THAT SOMEONE ATTEMPTED TO CASH A CHECK IN MY ACCOUNT EARLIER THAT DAY {IN WHICH I WAS NOT NOTIFIED} AND THEY WERE UNABLE TO VIA CHASE CONTACTING THE MAKER WHO EXPLAINED THAT THEY NEVER DISTRIBUTED SUCH A CHECK. I WAS TOLD THAT THERE WAS NO NEED TO REPORT THE CARD LOST OR STOLEN BECAUSE THE ACCOUNT WAS IN THE PROCESS OF BEING CLOSED AND NO ONE WOULD BE ABLE TO USE IT. I WAS TOLD THAT I NEEDED TO GO TO THE BANK WHERE THIS TRANSCTION TOOK PLACE SHOW THEM PROOF OF IDENTIFICAION AND SEE IF I COULD OPEN ANOTHER ACCOUNT SINCE THIS ONE WAS BEING CLOSED. BUT ONCE AGAIN LET ME REPEAT I WAS INFORMED THAT THE CHECK WAS NEVER CASHED. I WENT THE NEXT DAY TO THE BANK IN WHICH THE REPRESENTATIVE CALLED CHASE INFRONT OF ME AND WAS I WAS TOLD I COULD NOT OPEN ANOTHER ACCOUNT AND THEY WOULD GET BACK TO ME WITH DTEAILS IN ABOUT TEN BUISENESS DAYS. I MOST CERTAINLY WAS NOT GOING TO WAIT THAT LONG TO HEAR FROM THEM. AFTER CALING CHASE AND CHECKIMG MY ONLINE ACTIVITY I WAS TOLD NUMEROUS STORIES BY NUMEROUS CHASE REPRESENTATIVES. KENDRA IN THE FRAUD DEPARTMENT EXPLAINED TO ME THAT THIS CHECK OF ALMOST 2500 WAS NEVER ABLE TO BE CASHED AND IT WAS ONLY BECAUSE THE CHECK WAS BEIMG RETURNED FROM MY ACCOUNT BACK TO THE SENDER THAT MY ONLINE STATEMENT WAS SAYING THAT I OWE CHASE ALMOST 2500. SHE SAID ONCE THE ACCOUNT CLOSED IN TEN BUSINESS DAYS THAT THE ACCOUNT WOULD RETURN TO THE AMOUNT BEFORE THE FRAUD AND THEN ANY LEFT OVER MONEY WOULD BE MAILED TO ME VIA CHECK. ON MONDAY SEPTEMBER 20TH I WAS CALLED BY TE COLLECTIONS AGENCY AND TOLD THAT I OWE THEM THE AMOUNT FOR ALMOST $2500. I CALLED CHASE AGAIN AND SPOKE TO AN OFFICIAL THAT TOLD ME TO GO TO THE BANK THAT I OPENED MY ACCOUNT IN AND ASK THEM TO SEND CHASE AN AFIDAVIT FOR FRAUD. ON TUESDAY THE 21ST I CALLED CHASES FRAUD DEPARTMENT AGAIN WHILE WALING TOWARDS THE BANK THAT I OPPENED MY ACCOUNT IN. WHILE STANDING INFRONT OF THE CHASE EMPLOYEE I EXPLAINED TO A REPRESENTATIVE BY THE NAME OF JOHN IN THE FRAUD DEPARTMENT WHAT WAS GOING ON. JOHN EXPLAINED TO ME THAT INDEED THE CHECK WAS CASHED BUT BECAUSE THERE WAS NO WAS NOT ENOUGH MONEY IN MY ACCOUNT NEAR THE AMOUNT OF MONEY THAT THE CHECK WAS WRITTEN FOR, I WOULD BE REFUNDED THE AMOUNT OF THE CHECK WHICH WOULD TAKE ABOUT FIVE TO SEVEN BUSINESS DAYS. NOW TODAY I CALL AND ASK ANOTHER REPRESENTATIVE THE STATUS OF MY ACCOUNT AND WAS TOLD THAT JOHN WAS NOT CORRECT, THAT MY CLAIM WAS DENIED AND THAT I OWE CHASE AGAIN. I TRIED TO EXPLAIN TO THE REPRESENTATIVE HOW THIS IS POSSIBLE BY EXPLAINING A FEW FACTS TO TE REPRESENTATIVE... FIRST OFF THE SPELLING OF MY NAME ON THE CHECK WAS INCORRECT, {I CAN VIEW A COPY OF THE CHECK ONLINE ON MY CHASE ONLINE ACCOUNT} SECOND I SPOKE TO THE HEAD OF THE COMPANY WHO SUPPOSEDLY WROTE THE CHECK CARIBE MEDICAL PC WHO INFORMED ME THAT HE EXPLAINED TO CHASE THAT THE CHECK WAS UNAUTHORIZED, THIRD THE SIGNATURE ON THE BACK OF THE CHECK DID NOT MATCH MY SIGNATURE, AND LAST I HAVE ALL MY IDENTFICATION SO HOW WAS AN INDIVIDUAL ABLE TO CASH A CHECK WITHOUT MY ID. I EXPLAINED TO THE YOUNG LADY THAT NOW IM GOING TO HAVE TO MAKE A POLICE REPORT BECAUSE I FEEL THAT THIS IS AN INSIDE JOB AND SHE JUST TOLD ME THAT THE POLICE REPORT WOULD BE A GOOD IDEA AND THAT ONCE I HAD A REPORT # TO GIVE IT TO THEM SO PERHAPS A MANAGER COULD PUT IN A SECOND CLAIM TO HAVE THESE CHARGES REVERSED. I WENT TO THE POLICE STATION AND THEN THE BANK THAT THESE TRANSACTIONS HAPPENED IN IN ORDER TO GET A COPY OF THESE TRANSACTIONS TO GIVE TO THE POLICE FOR FURTHER INVESTIGATION. I CALLED CHASE ONE LAST TIME AND ASKED THEM IF THEY COULD EXPLAIN TO ME ONE MORE TIME DUE TO ALL THE MULTIPLE STORIES EXAXCTLY WHAT'S GOING ON WITH MY ACCOUNT IN DETAIL SO I COULD WRITE MY POLCE REPORT. THE LAST PERSON I SPOKE TO WAS JEREMY IN THE FRAUD DEPARTMENT AND ANOTHER DISCOVERY WAS ANNOUNCED. I ASSUMED THE WHOLE TIME THAT THE CHECK WAS CASHED AT A CHASE BANK BECAUSE I KNOW THAT CHASE IS THE ONLY PLACE WHERE A CHASE CHECK{IT SHOWS IT WAS A CHASE CHECK ONLINE} CAN BE CASHED THE SAME DAY. TO MY SURPRISE I WAS WRONG JEREMY EXPLAINED THAT THE REASON EVERYONE GOT SO CONFUSSED ON IF THE CHECK WAS CASHED OR NOT IS BECAUSE IT WAS CASHED AT A FACILITY THAT WAS NOT A CHASE BANK. WHOA WHOA WHOA I SAID SO LET ME GET THIS STRAIGHT AN INDIVIDUAL CAN MAKE A CHECK OUT IN MY NAME MAKE SOME SORT OF TRANSACTION IN CHASE AND CASH THE CHECK AT ANOTHER FACLITY THE SAME DAY EVEN IF MY ACCOUNT HAS NO WHERE NEAR THOSE AMOUNT OF FUNDS "IN THIS PARTICULAR CASE YES MAM" JEREMY SAYS. CHASE HAS OFFICIALLY CONVINCED ME THAT THEY HAVE NO INTEREST IN CUSTOMER SATISFACTION BUT MORE INTEREST IN PROTECTING THEIR OWN ASSETS. I UNDERSTAND THAT I WAS CARELESS IN LOSSING MY CARD IN WHICH AN INDIVIDUAL WAS ABLE TO GET MY PIN, BUT WITH SUCH A LARGE AMOUNT OF A CHECK WRONG NAME WRONG SIGNATURE AND NO ID IS THAT ALL IT TAKES TO CASH A CHECK. I DON'T THINK SO AND WITH MY POLICE REPORT AS WELL AS REPORTING THIS TO THE NEWSPAPERS IM GOING TO GET TO THE BOTTOM OF THIS
     
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tnchuck100 on 09/22/2010:
A post-it on the back of the card with your PIN on it? Why not just hand someone all of your money? It is hard to sympathize with that much lack of caring about your financial well being. I didn't get much farther than that. ALL CAPS and 2 paragraphs is just too hard to read.

I did vote it helpful though. There is definitely a lesson here for others to benefit from.
jktshff1 on 09/22/2010:
Under threat from addy, would you please repost this not in all caps so I can read it? My handicaps are a pain sometimes. Thank you
MRM on 09/22/2010:
"LaJuana" says heck naw!
Anonymous on 09/22/2010:
Aaww jkt, those aren't handicaps, they're character enhancements.
jktshff1 on 09/22/2010:
Thanks, rip, I just can't make any sense out of this.
Anonymous on 09/22/2010:
I wish I could figure out the problem. From what I can gather, this seems like standard operating procedure for any bank.
Venice09 on 09/22/2010:
I tried. I really did. But this is in serious need of a rewrite so it's more understandable. I'm sure there is a legitimate complaint in there somewhere.
idontthinkso on 09/22/2010:
I'm with Venice.. My eyes hurt..
Helpful on 09/22/2010:
I'll agree with the rest of the commenters here that this post was extremely difficult to read and understand -- not just because of the all caps, but because of the grammar and punctuation. With that said, I can also see where part of the problem started with the card with Post-It note PIN on the back.

Lajuana, with such a large amount at question, it might be a good idea to contact an attorney and get their advice. For a small fraction of what you're out now, they may be able to persuade Chase to work a little more with you.

Best of luck.
CrazyRedHead on 09/23/2010:
I don't even know where to start here, there are just so many things wrong on both parts (shaking head). Well, first of all I now have a headache from reading this since I actually read the entire post, thanks.
lobo65 on 09/23/2010:
Holy smoke. You put your pin on the back of the card? P.S. I have a bridge I want to sell you.
CaptainSpaulding on 09/23/2010:
Lajuana: Next time you post a complaint on my3cents, please remember to make sure the Caps Lock button on your keyboard is off!
Anonymous on 09/23/2010:
Have you considered using a pin that could be easily remembered, like the last 4 digits of your phone #,birth year, or SSN? normally wouldn't suhggest something like that, but it may be a good solution for you.
grandma005 on 09/23/2010:
She did not need an I.D. because she had your ATM card with the pin number.
momsey on 09/23/2010:
As the others have said, this review was really hard to understand. But, what I did get from it is that you were extremely careless with your ATM card and pin. You start off the review by saying that you called the bank to see if you had any overdraft charges and if you did, you were going to take care of them. That tells me that you overdraft your account on a fairly regular basis.

So the bottom line is, your account was compromised, and you probably had a big part in your account being compromised. So right away, you can't blame the bank. Sounds like you only got concerned about your financial well being when they did possibly make a mistake (not sure if they did or not?)

Your story is not a good one for the papers. It's clear that you didn't help yourself at all, and Chase is doing what they need to do.
Fufu487 on 09/23/2010:
As a banking representative, let me say that putting your pin on the back of your card is the stupidest thing you can do.With most banks, this is an open window to "we're not liable for any losses'. You just handed them the win, my dear.
grandma005 on 10/28/2010:
What was the outcome of this? Did you get your money back? Let us know.
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Corporate greed to the max...
Posted by on
WASHINGTON -- Corporate Greed to the max... Sit back enjoy the top 11 Chase issues.

Issue 1a. Applied in Dec 08, I'm in the mort mod program. No derogatory credit will occur, as long as your in the program and complying. Not so... I'm marked as foreclosure on my credit as I still pay the xxx per month for the past year. I sent in tons of the same thing over and over. House value, income, assets etc ...18 months later. I have too much equity and I'm kicked to the curb. Chase claims they no programs for me. NONE !!

Issue 1b. Chase waited a year and a half to tell me I fail to quality for any workout through Chase, even tho I informed Chase of my tax value and my loan amount in Dec of 08. Chase claims there is NO work out program for my situation through them. Jennifer in underwriting said; I should have never been started on a trial pmnt program. Even the MHA-escalations verbally agreed it appears to be a setup failure? Banks have been doing their things for over a century. They know what to do to make themselves the $$$.

Issue 2. Chase bounced cashiers checks during the Wamu/Chase conversion. Marked us produce transactions records to show what we did. To get credited fees. Then admitted it was an internal error and brushed it off. Financial damages and hardship occurred.

Issue 3. Chase took Wamu checking accounts b4 they gave access to the Wamu personal. My checking account was inaccessible for months and the funds in the account were inaccessible to the Wamu branches. I fell behind on my Wamu loan. Chase's loan department said "take that up w/the checking department". The Checking department said “take your loan issue up w/the loan department”. I said I'm late because of this bank error. The two departments couldn't care less. And I quote a Chase loan collection representative "problem w/your checking acct? Open up another one else ware. I applied for a hardship on the loan. Chase collected my income, bank statements etc. and then never called back. I called and Emailed, no reply. Months later I get a call. The loan has been charged off and headed for court. They collected my new banking info and then bailed.

Issue 4. Had a brokerage acct at Wamu for 10 years, never a fee. A small amount was left after the 2001 fall.. Chase took over and said we have 10 days to vacate the account or they will charge a fee (would wipe the account out in a few quarters). We filed the papers to move the acct. Chase sent a deficit to the receiving firm. It took 9 months to get the deficit credited. Then sent solicitation ”I get $125.oo if I open up a checking acct”.

Issue 5. Been in my home for 25 years. Had one insurance company for the past 6 or 7 years, my mort statement shows one address that matches the original loan documents. The insurance department of Chase has a different address in some system some place. (where customers have no access). I get a threat letter for forced place insurance and 10 days to correct the matter. As I see it, two departments of Chase, two different pieces of data and until I correct it I get fined. 6 months later and its still pending.

Issue 6. A long time ago I had an insurance loss. My attorney sent chase the insurance check for endorsement and a letter explaining the situation. Chase put the check in a file, 7 months later sent it back to my attorney "document stale dated-please reissue". My attorney complied. The 2nd check was also put in a file and left. One-week b4 it was set to expire Chase finally processed it. Inflation took its toll. Never got my items replaced due to cost.

Issue 7. I attempted a refi when interest rates dropped to 6% in 2005. I discovered the former owners were still on title. I was refused a loan unless I paid off the sellers again. I called title, they said "no problem" a few keystrokes we can have this cleaned up". The problem was. Title said; Chase was the policy holder, not the homeowner. Title said to have Chase contact them. Chase never did. I had to do it on my own at my own cost (took me 2 years to track dn a hand full of former owners. By that time the programs disappeared, companies folded, economy went in the toilet. To this day Chase still fails to take responsibility for their part in the hardships created. I'm denied for a Mort workout.

Issue 8. When I drafted my hardship letter to Chase to let them know the current events that were a brick in the wall to my hardship. I get this reply, and I quote "How dare you blame your own financial problems on Chase, it's not Chase's problem I can't handle my money".

Issue 9. I had a credit score of 800+ when I was with Wamu, Current on all my debits. Chase took over Wamu and closed every one of my cards and lines of credit. Even my checking overdraft. The only reporting I have messing up my credit is Chase.

Issue 10. Does chase feels there is no ramifications to their actions of a tsunami of banking mistakes, then leaves a mess on the beach for other to clean up?

Issue 11. I contact many mort companies, got one to work w/me. The new mort companies said to pay something on the Chase mort to keep the balance down. Some companies may have pulled my credit, some may have contacted Chase. I called Chase in Feb 2010 to make a pmnt on the amounts to keep it under a thresh-hold. All my called were met w/"don't make a pmnt, ull mess up the program" or "well have someone call you back". (no return call ever came). I was denied the right to get an address, amounts permissible to pay. I then get marked on my credit as "in foreclosure". I'm now told by all companies "we can't assist you w/the status marked "in foreclosure" on your report. Another Coincidental action or intentional?

Thoughts ? Class action? Damages? Deception/misleading/self-serving advice? Professional/gross negligence? This household is very short on time here.

These people are leading and handling our $$$. Can we say "credit union"?

Monsanto? Chase? What big difference do you see? The spelling maybe?

Grapevine, in 2012/2014 the FDIC insurance may be dropped to $100k per depositor. Watch your accounts.
     
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Alain on 04/14/2010:
Lot of info here. Just my quick opinion. I stopped dealing with Chase several years ago. I will never deal with them in any way for anything. Reviews like this make me feel good about my decision. Back to your review: I heard a great many good things about credit unions and I wouldn't be surprised to see the FDIC insured amount return to $100,000.
Corpgreed-1 on 04/14/2010:
Moved From Other Review: I took a survey Chase sent.

I'm sharing this story because it portrays a mind set of the makers of the survey and or Chase. Just an intent for a mind set here. As you read this, you may see my perspective (and maybe your own view as it may apply to your experience).
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I took a Chase survey sent to me through Email. This survey had me answering a series of questions. Each time I got the survey boot. There is no room for error or mistake. I got one shot at each attempt. I had to cleared my cookies and started the survey over (about 10 times). Looking to get a feel for the demographics and mind set Chase may be after. It started w/the State, I passed. Then on to the income. I put $15k (no survey is worth sharing my personal data). BAM, I got a boot from the survey. it popped up with a "you do not meet the demographics for what we want". I put in 25k, again, same message. "you do not meet the demographics for what we want". I decided to put $75k. I got past it. GR8, I'm on to the next "Q". It asked how much I spent on my debit card. I entered $50 bucks. BAM, off I went. Same message "you do not meet the demographics for what we want". I again cleared my cookies and started from the beginning. I got past the debit "Q" by entering $250 per month on my Debit card. I got past that "Q". I had to own my own home etc etc.

This entire survey was for $$$, ppl w/bucks. I see this experience I had as "Chase wants ppl that have $$$ and or spends $$$". To all the 600 + postings in the Chase section of this site. I ask, I may be incorrect, Does it appears Chase has no interest in ppl that are in the position we are in. Are we scum of the earth to Chase. For all I know we can all be put in a place like the movie "escape from NY city" and rot. Is it all about the government money Chase may get for having the programs? Does it mean we come out the other end?





It asked a series of questions
goduke on 04/14/2010:
Why a class action? The only person who ever (and I mean ever) has gotten made whole in a class action are the lawyers who rake in the dough. If you had a class action against Chase, you'd probably get something like free checks for a year, and the lawyers would get $80 million. Not worth it.

If you believe you have a case against them, find a lawyer to take it on contingency, and sue them individually.
Corpgreed-1 on 04/14/2010:
Moved From Other Review: http://www.helpwithmybank.gov/

I have filed 11 complaints regarding Chase to this government agency that regulates national banks. It's the comptrollers of the currency office.

Make your story public to this agency so they know what's happening just in case something comes down the pike. I heard new laws are coming into play on how these programs are administered.

I offer it to readers in case it may help. If enough complaints roll in maybe a "class action" will start. All companies make mistakes, its how mistakes are handled that matters more. It appears we may have course of conduct here w/most of these postings all holding a similar backdrop.
tnchuck100 on 04/14/2010:
I just went to helpwithmybank.gov and looked at a few items. It is amazing how little the banking laws do for the customer. Most things are stated in the context of what the bank "should" do. But very little "must" or "required" to do. If the bank decides to drag their feet or "investigate" indefinitely there is very little a customer can do.
goduke on 04/14/2010:
Kind of scary, isn't it Chuck? Makes you wonder exactly who is minding the henhouse.....
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Awful, unprofessional experience
Posted by on
BEVERLY HILLS, CALIFORNIA -- I attempted to cash a Chase Business check at the Chase location at 8500 Wilshire Blvd. in Beverly Hills only to find that will not cash their own checks over $3000.00. I have never heard of a business bank or even small town bank that refuses to cash their own business checks! The Assistant manager was not helpful and was arrogant. The cashier handled the situation well.

I am on the Board of the Beverly Hills Chamber of Commerce and the Economic Development Commission....we were so pleased to have Chase enter our community. I have changed my though on this and urge everyone to avoid Chase for business or personal banking needs.
     
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oldisgood on 06/24/2010:
Did they refuse because you wanted cash? Some banks now have limits on the amount of cash you can receive. It has something to do with the amount of cash reserve the feds make them have and charges on that, ad infinitum. Was the check made out to you or your business? A check made out to a business name must be deposited into the business account. If you weren't a Chase customer and had the Chase check, they can charge you a fee. I assume the only way to get your money is to deposit it into your account at your own bank and wait for it to clear.
Fufu487 on 06/24/2010:
I was under the impression banks have limits on what they will cash out, business account or not.
Nesrin on 04/02/2011:
Well, I worked at Comerica and Charter One Bank for a long time. It is not that amount why they did not cashed that check. When check made out to your business, it has to be deposited to your business account. After the check clear you can make a widthrawal.
If you don;t have a business account at Chase, you should still deposit that check wherever your business account. You can only cash personal check either you have an account at that bank or not. If you don't you pay the fee and still cash it. But only for personal checks. That's how it works. Hope that helps.
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