SAN MARCOS, CALIFORNIA -- Do not trust Chase Bank if you're concerned about safeguarding your money against unauthorized withdrawals by ACH clearing houses for auto-payments. I provided written notice of cancellation to Chase & the vendor, but withdrawals have continued for months & they won't reverse them. I've tried written disputes, Stop Orders, zero-ing out my acct. (resulted in a negative balance & $34 overdraft fee).
Twice I even called Chase's 800 # to dispute charges that were still pending (within 24 hrs.) & they still allowed them to go through. Next will be a complaint to the Office of the Comptroller of Currency. Know your rights - read FRB Regulation E and put your money elsewhere.
SANDY SPRINGS, GEORGIA -- When I dealt with Chase, I was in college. I had many signals to warn me of the poor decision on my part by opening an account with them. The first was when I had to deposit my checks in person before my direct deposit started. I was in an accelerated school which meant I was in school from 8 AM to 4 PM with a job right after. So I was in line at the bank with every other busy human being at lunch instead of eating. This was mostly a complaint on whoever managed the two branches I visited.
Either they were cutting corners or didn't care, but these centers were always understaffed. I remember clearly standing in line one lunch with 3 employees trying to take care of us. One at the window and the other two at the counter. The one at the window then announced loudly she was going to lunch, leaving the other two to deal with our growing line. I don't blame the lady. Employees have to eat too. I blame the management as I remember the looks those others in line with me gave her that only hurt the brand's image. No matter how fast they tried, I ended up having to leave 45 minutes in with only two people in front of me to get back to school on time.
The second was a whirlwind of unfortunate events that brought to light how much Chase is really about your money and nothing else. I worked at a job that required you to go through a temp agency. Due to the nature of the job, they could not disclose the job's location until you were actually hired. Once hired, your paperwork stayed at the temp agency for security reasons. Well that temp agency lost my scanned ID one day. Some ass-hat somewhere up the chain looked at my last name (**) and stopped my direct deposit and sent me a warning letter that I needed to get my green card renewed asap.
It just so happened at the same time, someone had stolen my card number for my Chase account. I check my account everyday, so as soon as I saw 2 new charges pop up that weren't mine, I immediately called Chase to have my card terminated and new one sent to me. By the time the card was terminated, I had over 16 transactions. Some little, like coffee, some larger, like cell phone plans (which at the time were not the cost of what we have now). Still, because my paycheck had been stopped, I went into deep overdraft territory and like most banks, Chase charges by the transaction.
I had over $180 in overdraft fees. It took me 2 and a half days to work with my temp agency and bank to get them to see that I really, really, really was an American citizen and that those charges were not mine. Chase retracted the charges; however, they were not going to retract the overdraft fees. Their customer service basically told me in a polite-ish way that I should have managed my money well enough to have avoided those overdraft fees. Because, you know, a broke college student with a missing paycheck needs to just hurry up and get that mystery cash savings together.
My last and final sign was the next day, I went in early and missed a class to close my account at Chase. When I reached the front of the line and was asked how I could be helped, I told them I'd like to close my account with them. The man immediately started typing. I was a statistic. Not a customer. Otherwise there might have been service. "We're sorry you're leaving us. Is there something we can do to change your mind? I apologize that you are unsatisfied with..." Nothing. The man finished typing, opened the drawer and handed me what was left of my money after their stolen $180 and told me to 'have a good day'.
I went to Washington Mutual after that. Talk about customer service. These people were always fully-staffed for their needs. Their people were friendly, remembered my name, went above and beyond to serve you. If there was a long line of waiting people, even the folks who normally handled mortgages and whatnot in the back would peek their heads out and offer to help anyone who was waiting. It was amazing.
I was so crushed to hear WAMU was bought out by Chase. It crushed my soul. As an older adult, it was a depressing view into the monopolized world of business and how big business could ruin the best things. Today, I won't even go to a Chase ATM. My current bank refunds my ATM fees but I refuse to give that sorry excuse for a financial institution a dime of my money, much less a $3 ATM fee.
SACRAMENTO, CALIFORNIA -- My husband and I have become the victim of fraud on our checking account. Chase not only won't return our money, they are demanding payment of $400 in overdrawn funds. I apologize for the length of this report but felt the length is necessary to adequately explain our situation.
We opened an account with Washington Mutual over a year ago with $110. We then received $100 "bonus" for opening the account. Since that time, there has been $210 in the account and we have NEVER used this account. The ATM cards sit in our desk drawer. As most everyone knows, Washington Mutual was bought by Chase. If my husband and I are guilty of anything, it's that we don't closely monitor this account because we never use it. We've been meaning to close it but just hadn't gotten around to it.
We then moved on May 1st. Through all of the chaos with moving and getting our mail forwarded several weeks went by before we opened any of our mail. All of our important bills are on automatic payment. On May 25th we opened our mail to find a letter stating that a hold had been placed on a recent deposit in the amount of $1500.56 on April 27th. This sent the alarm bells off immediately since we have never used this account. We then found our bank statement and found that there had been multiple deposits and withdrawals.
Our initial thought was that our account had gotten crossed with someone else because of the deposits. We also found our ATM cards right away. My husband immediately called Chase to find out what was going on. The representative on the phone was completely rude and actually told us, "How do I know you didn't do this?" He could not help us and told us to go into our local branch.
My husband went to the local branch the next day. It took two people to finally figure out what was going on, but it did in fact appear that someone was fraudulently using our account. Chase had switched from MasterCard to Visa and had mailed new cards on April 20th WE NEVER RECEIVED THESE CARDS. Now, we have a locked mailbox how someone got a hold of our cards and pin numbers I will never know.
There was an initial withdrawal of $200, multiple balance inquiries (a tell-tale sign of fraud), multiple deposits, and withdrawals. We were able to obtain copies of all of the deposits all of the checks were clearly stolen and our signatures were forged for endorsement.
My husband filled out all of the paperwork to file a claim and was told that I would need to return to the bank to sign the paperwork as well as both of our cards were used. I went into the bank of June 5th and completed the remaining paperwork. At this time we also asked to see the ATM videos she told us that it was not us on the video (duh, I could have told her that) but they were not allowed to show us the videos unless we have filed a police report. We were assured that we had done everything we needed to do and that our money would be returned to us.
Later that we week we began to receive multiple letters from Chase. They had approved some of the claims but not all of them (each transaction required a separate claim). We received three cashiers' checks, in the amounts of $14, $36, and $6. We then called the person at the local branch for an explanation. She contacted the fraud department for us. When she got back to us, she explained that she couldn't get an exact answer as to why our claims were denied but she thought that the fraud department believed we had given our cards/pins to someone else.
So here we are again, back to square one, still with no money! She then told us that there was nothing more that she could do and that we would need to contact the fraud department directly. We then contacted the fraud department and asked to speak to a supervisor. We explained the entire situation to the supervisor and after a lot of pressure, he finally agreed to review the case again. However, his attitude was nothing but appalling. He treated us like criminals!
I nicely explained that we at least deserved an explanation as to why the claims were denied particularly because they had approved 3 of the transactions but none of the others. Clearly, if Chase believes our account was fraudulently used for three transactions, they must believe all of the transactions were fraud. He then told me that I was wrong, and that Chase had denied all of the claims.
I have the letter right in front of me and read it to him - "Our research indicates that the transaction was processed incorrectly or was not authorized" and I have a cashiers' check in my hand! He still insisted that I was wrong and that Chase had denied all claims and they would want that money back. Are you serious? Have I gone absolutely insane? !?
The only answer he would give me as to the reason for denial was that research revealed that the transactions were processed correctly and that it was within Chase's policies and procedures. I asked for a copy of the policies and procedures. I was told that Chase does not share its policies and procedures with customers. Again, are you serious? What kind of company doesn't share its policies and procedures with customers? I was told that if I wanted to see a copy of the investigation, I would have to subpoena the documents.
So here we are, six weeks later, and we can't get our money back. So at this point I'm ready to give up. We really only lost $200 and it's probably not worth my time to fight it anymore. BUT then, just when I thought this situation couldn't get any worse, the saga continues. The collections department is now calling me and my husband daily and they want the $400 in overdrawn funds on the account. If we do not pay, we will be reported to the ChexSystems this will impact our credit rating and our ability to establish an account with other financial institutions.
This is absolutely ludicrous. We have done nothing wrong. I am NOT going to let this go and feel it is my duty to fight this unfair practice for myself and fellow consumers. We have since filed a police report for the initial fraud. I will also be reporting Chase to the Attorney General, the California Department of Financial Institutions, and will also file a small claims suit against them.
Two of my family members and one of my co-workers have already closed their Chase account since hearing about our ordeal. I warn all fellow consumers that Chase can't be trusted and your money IS NOT SAFE!
Stay tuned as this story unfolds....
Update: 8/1/10; Chase has responded to complaints through the Office of the Comptroller and BBB. They have again denied our claim, stating that we had to given our PIN to someone else. I have contacted several news agencies.
MANDEVILLE, LOUISIANA -- A STORY OF BAD BANK PRACTICES. Do not do business with this Chase Bank, they steal your money. In 2006 I deposited a check in an ATM with Bank One that was acquired by Chase; I had the receipt and the deposit slip. They put the money in my account and a day later took it out, claimed they never received the check. I called them and they said contact fraud department, so I filed a claim.
Weeks go by and many phone calls and they refuse to give me my money back. I even faxed over the company that wrote the check, proof that Chase Bank cashed it. I immediately I closed the account like a normal smart person would. They refused to stop charging me NSF fees after they lost my check.
The collections department was calling me over and over, harassing me. I told them I refuse to pay NSF fees when you lost my check. I checked with a lawyer and he wanted to charge me more than the check to get my money back. I wrote it off… Later in 2010 I started a new business technology company in Mandeville, Louisiana and I was talked into opening a business account with Chase again. I put over 15,000 dollars in this account kept finding errors, and one day right before Christmas, I am missing over 1000 dollars - says on the statement transferred to another account.
I called every department, no one could tell me where my money was or where it went. I told them I refuse to put more money in the account until they showed me where my money went. They promised me they would somehow freeze the account until they get me that information. Weeks later I see they lied, I had a credit of 00 deposited and the took it all with NSF fees - over 300 dollars in NSF fees.
I went to talk to the Mandeville manager in person, his name is **, because after many phone calls, he would not return my call. I was told he was the only one who because Chase Bank made a mistake and the lady I spoke with did not freeze the account like she said she would. ** was the only one who could reverse the NSF fees.
Even after admitting to me he did not call back and admitted he failed to freeze the account, he would not return my NSF fees and refused to close the account because the NSF fees brought the account to a negative balance. He cursed me and told me to leave the bank. He lost his cool, as I was walking out he said he is going to close my account in a very angry voice. I said, "good, what do I need to sign?" and he said nothing. The day after, I see he still did not close my account and more NSF fees are to be acquired.
Please as a nation of good people DO NOT DO BUSINESS WITH CHASE BANK, YOU COULD BE NEXT. I lost over 2900 dollars because Chase Bank took my money and now they refuse to give it back. Please if anyone has a similar story, write it down and let other people know about banks that take your money. I will be starting a web blog and collecting similar stories on this website.
I applied for a FREE Savings and Checking account in mid December of 2009. Understanding the terms of FREE. Just recently, I looked at my account and notice a $6 fee that was charged on my account labeled "service Fee". The red flag caught my eye and I started to look for further fees that were similar on both my savings and checking account to realize that I've been charged the $6 fee each month. When I browsed through my Savings account, the same thing happened.
I called into their customer service department to get it resolved. Unfortunately, their customer service department is so terrible and have been trained to say the same thing over and over regardless of what you tell them, was quite unhelpful. They were more frustrating than anything.
Let's start with my savings account. When I applied for the Free account, I was told that as long as I maintain a $300 balance, I won't be charged - which is in any case for any bank, EXCEPT CHASE. Twice I withdrew money from a different ATM and was charged $2 each which I understand however, I was charged a third $2 fee because I went to another ATM inserted my card and withdrew the money which they had charge from the note above. So instead of charging for just withdraw from a different ATM, you also get nicked for putting your ATM into a non Chase ATM. What kind of rule is that?
On top of this, I was charged a $6 fee each month since January. Why? Because I transfer money from my checking to my savings and vice versa more than 4 times in a month. Did you know that? What happened to maintaining my $300 in the savings at all times and not incur a charge? They completely blind sighted me on that.
Let's move to my FREE Checking account now. I was charged $6 each month because I did not use my ATM up to 5 times a month. If it is a FREE checking account and they are obviously using my money for something else, why are they charging me for not using my ATM? On top of that, I would get charged an extra $6 if I were to use my ATM to withdraw money from their bank more than 4 times! So either way I get charged! Blind Sighted yet again.
In December, when they made the mistake of charging me $2, I called to ask to get it reversed. They reversed it but out of "customer courtesy" as though YOU in this case, ME did something wrong because they chose to steal my money and if I did not catch that, they would have gotten away with it. I have never encounter such bad customer service in my life with any bank. For everyone who does bank with Chase, be careful of the blind sighted charges that can accrue over time. I was fortunate to have caught it ahead of time and ended up losing $36.
TORRANCE, CALIFORNIA -- I was a Washington Mutual customer prior to the Chase Bank takeover. I enjoyed banking and dealing with Washington Mutual. Chase Bank has been nothing but extremely poor service. I applied for a Loan Modification in February of 2008. I was advised in 2010 that the modification was denied only when I called in to check the status.
Chase Bank never mailed anything out when they took over. This cause my loan to be delinquent by six months. The representative from Chase Bank informed me that my options were to catch the note up or short sell. I was furious as I have put so much into my home. I am currently working to catch up my loan payments and I have reapplied for a modification. Yeah what a joke!
Recently, I was written a check by my tenant who wrote the check in error. I did not review the check as my tenant has been living in my rental property for nearly 5 years and has an excellent rental history. However, he wrote the check incorrectly putting in the dollar amount but did not correctly write this figure in the handwritten dollar amount line on the check, so his bank cashed the check for the lesser amount. Within the same month, I had written myself a check from my Chase Credit account. The bank (Chase) inputted the amount incorrectly.
This caused me to be charged several non-sufficient funds charges as well as my mortgage and other expenditures being returned as not paid. I called Chase Bank and the advised me that they would correct the error after they verified the check document I deposited. Several days later, I attempted to use my ATM card only to find out that Chase Bank had closed my account. The phone representative I spoke to at first was a real snot so I asked to speak with a supervisor who advised me to contact my home branch manager and discuss what happened with him, and he could override the decision to close my account.
I drove nearly 70 miles to my home location and the manager was interviewing and not available to meet with me. I left my telephone number and he called me. I explained to him what had happened and he kept rudely asking, “So, what do you want?” I advised him that I had spoken ** while visiting the bank and he was interviewing. I asked him to speak with ** first to answer all of his questions as I was at work and if he would call me back.
Well, Mr. ** did call me back to advise me that there was nothing he could do and he gave me the number to customer service 1(877) 691-8086 at which time I spoke to supervisor by the name of **. ** advised me that only the branch manager could overturn the decision. At this point, I felt like I had done something wrong and or committed fraud.
Several days later, I received a letter advising me that my account and related accounts were being closed in 10 days and I would receive my funds in about 15 days as well as Chase Bank was going to report me to ChexSystems reporting and credit bureaus. Never have I ever been so disrespected. I have had checking accounts since I was 14 years old and I am now 48 years old without incident and/or problem. Chase Bank sucks… They are truly one's worst nightmare. If you are smart, you will stay as far away from Chase Bank as you can. This bank truly belongs to the devil.
I've been a Chase Visa customer since 2001 and have never had a problem, never missed a payment, never had any fees levied against my account, and although their customer service policies have been growing less and less tolerant over the years, 2009 has hit is new low for this banking giant.
My unhappiness began when Chase acquired my happily ever after WAMU checking and savings accounts through the merger. I have ALWAYS loved WAMU - their customer service was amazing, benefits great, and they never charged you for anything - if they did, they were always open to reverse fees with courtesy credits! I loved that bank!
Then we moved cross country from the west coast where WAMU was the best and entered the midwest where Chase rules the land. Since we could only access our accounts through local Chase branches, we spent many hours weekly depositing inside the branches - it would take up to 45 minutes just to make a deposit because the representative didn't know what they were doing. It was very frustrating.
We were assured that by opening a Chase originated checking account, our WAMU merger account issues, with not being able to use ATMS to make deposits, would be alleviated. Thus, we opened a Chase checking account - they gave us $100 bonus (with tons of fine print and rules) and sent us on our way! Never had it been so difficult of a process to GIVE a bank my money before.
Around this time, we received notice that our long held Chase Visa account would be changing APR from 8.9 fixed to 15.9 variable -- no, this was not due to any fault of our own, just Chase's overhaul of all customer interest rates and terms in an attempt to beat the deadline for fair credit practices in 2010. Needless to say, we paid off the credit card balance immediately and closed the Visa account. 3 weeks after the account was closed, we received a BILL for the interest for the weeks AFTER the account was closed. Yes, they charged interest after there was a zero balance.
Knowing this was an error, I called Chase customer service. There was absolutely no plausible explanation they could give to me except their interest was compounded daily since we closed mid-cycle, if we had waited to the next month with zero balance, we would have been assessed zero interest charges. Anyway, I GLADLY paid the $20 in bad interest charges just to get rid of them once and for all. I imagine this is how they will make most of their money from now on - people paying off just to get rid of them!
So now the WAMU account should have been taken care of as well as the Visa… but no, they kept the WAMU account open and despite numerous requests to close it, have continued to keep it open with zero balance. Whatever. Now, we are down to that stupid Chase originated account we were told we HAD to open to make any deposits in under an hour in our new state of residence.
The account must remain open 6 months or they charge you the $100 "bonus" back - and considering their bank statements close on a different day each month, it's difficult to judge when to make your 5 debit transactions in order to prevent the $6 monthly fee for their "free checking"... sigh.
I emailed them to request the exact opening date on this Chase account so I could close it exactly 6 months to the day, now they are refusing to tell me what date my account was opened on. Luckily, I'm smarter than they are - oh yes, I just looked back at the statements and was able to determine the date of opening. I cannot wait to be able to close this last tie to Chase… What was neutral bank which serviced it's customer on a neutral basis, has become, in my eyes, a predatory giant looking to snag every penny in your pocket regardless of what ethics are lacking in such actions.
My recommendation? JOIN YOUR LOCAL CREDIT UNION! You earn interest on your checking account for FREE and they actually invest in your community, rather than spending money all around the world in places you would NEVER want your money being used as support. On top of that, you can actually go talk to a person face to face instead of being forced to climb the rungs of a perpetually never ending ladder on phone with a larger "bank" or creditor.
Until I am free… I am counting down the days until I NEVER EVER will use Chase or any of their affiliates again! I'm off to research all they have their fingers into so I can be certain not to support them or the businesses they thrive off of.
I was skeptical when my beloved WaMu was getting bought out by the shadiest bank of all… JPMorgan Chase. Well, I should have listened to my instincts and run for the hills. Issue #1 - Credit Cards. Credit Card #1 - I made a purchase on Amazon.com and they had a promotion going where if I was approved and paid with their credit card, I 'd get $30 back. Great deal considering I have excellent credit and my purchase was only for $30.80. I was approved for the card, paid, and received my order a few days later.
I was supposed to receive the actual card and statements from Chase. Well, they never came. I was worried they were going to add a ton of charges to the card for not paying the $0.80 left from my purchase. I contacted Amazon multiple times and all they would tell me is to contact Chase. I tried, but they make it impossible. You have to have an account to email them, but you need your CC number to create the account, and you have to have the actual card to know the full number.
I Googled 'Chase email addresses' to get an email so I could directly email them. In my first email, I stated that I could not make an account because I don't know my card number. I don't know my card number because they never sent me my card that I was supposed to receive 6 months ago. They just sent me an email telling me to create an account if I wish to speak with them. I email 2 more times and got the same basic answer. I finally just gave up.
Credit Card #2 - I have had 2 credit cards with WaMu. The first one was solely for the benefit of tracking my FICO score. The second one was the exact same card, but came with a 0% interest for a year offer. Then everything moved to Chase. And although they promised nothing would change, those were BLATANT LIES.
First, they wouldn't honor my 0% interest, which again, was the ONLY reason I got that card. I kept explaining “I have the TOS in my hands. It says my 0% interest is good on all purchases made until Jan 2010,” the customer service representative just argued with me and said I wasn't reading right. HELLO?! I can read perfectly fine. So I told them to cancel the card right that instant and I'll give my money to Bank Of America (I have a credit card with BOA).
Credit Card #3 - My minimum payment was ALWAYS $10. No matter what my balance. I repeat ALWAYS $10 and it was ALWAYS due on the 5th of every month. Not with Chase. Oh no… the first payment was due on the 22nd. The second was due on the 24th. The third was due on the 8th. What the bleep??? This caused me to miss my payment, as I thought it was due around the 22nd now.
I called customer service and the representative just told me “It's normal for your due date to fluctuate by a few days.” I told her I am aware of that but it is unacceptable to be changed by almost 20 days. Especially when the first two payment with Chase had a due date late in the month. Moving to the beginning when I am not aware is not acceptable, AT ALL.
She wouldn't reverse the late payment charge. Fine, I'd deal with it that one time. THEN Chase raises my min payment to $45. Remember, this card has ALWAYS had a $10 minimum payment. They refused to lower it, so I told them to shove it and again cancel my card and I'll let Bank Of America have the money.
Issue #2 - Savings Account. After WaMu converted fully to Chase, I signed up for a savings account. I was told that as long as I have it directly pulling at least $5/month from my checking account, there would be NO fees and NO minimum balance. That was a crock of **. I looked at my statements and sure enough, Chase is charging me a fee every month. I went to the bank and was told it was because Chase does it different than WaMu and I have to have a $300 minimum balance at all times. I told her this was not what I was told by the branch manager when I signed up for it. They refuse to reverse the fees.
Issue #3 - Checking account. In the last 4 years, I have only overdrafted one time. ONE TIME!!! WaMu would reverse the charge because I had such a good history. Chase on the other hand… I have a business account and a personal account. I have to write checks from my business to myself to keep track of my income for tax reasons. I deposit $700 in my business account and know my balance is well above what I am about to withdraw.
I write myself a check from my business to ME for $1000. A day later, when I look at my accounts online, I notice they charged me a $39 overdraft fee on the business account. Why? Because they didn't actually deposit my money before I deposited the check to my personal account - even though I was standing RIGHT THERE!!! Utter BS. I go back to the bank and they actually refuse to reverse the charge. I'm on the verge of taking ALL my money out of this bank. It makes me so sad that WaMu got ripped off and bought out. I never had problems with them.
Bank One checking account holder for 10 or so years before Chase bought them - so account holder for about 15 years now. I was assured at the time Chase acquired my account that it would be grandfathered in with zero changes. The account is 100% totally free checking, no minimum balance requirements, no direct deposit, no monthly service fees, no spending requirements etc. FREE in every essence of the word.
My accidental life insurance policy, which was originally offered and set up through Bank One is taken out of this account. This is the only thing I use the account for - nothing else. $16.50 auto withdraw every 3 months - $20 deposit every three months to cover it.
Evidently, Chase was unhappy with not making monthly fees, so according to them they notified me in January 2009 on my statement that the account would be changed to a $500 minimum balance account or a $10 fee would be charged. I never got that notification as I get online statements. I am requesting a hard copy at a local branch today to see what the alleged notification actually said. But just because you are notified doesn't make it okay to do anything they want. Years of account history informed them that the account would not have $500 in it nor would it have more than the one transaction every quarter.
The account had $3.40 in it when they wanted to take the brand new $10 monthly fee out in February. So they took every last penny in February leaving a zero balance, it was just days after my auto withdraw had hit, otherwise they would have gotten their $10 and I would have not had the funds to cover my insurance. I am sure that would have triggered massive overdraft fees etc... After 60 days of a zero balance, the account is automatically closed. I show up to deposit my $20 for the life insurance policy and am notified that I no longer have an account.
After going in and talking to the c/s representative and asst. manager, the bank manager calls me to inform me that I can have the account back as is for the $10 per month or $500 minimum balance or I can 'upgrade' to a new account for $6 per month. How is it an upgrade from $0 per month to a $6 fee per month? I guess in her mind that is better than $10, in my mind it's still $6 per month more than I had been paying.
I told her that I was getting royally screwed for $120 per year or worse for $72 per year. She didn't agree that changing an existing free account to a fee account out of the blue is screwing anyone. So after 15 years, Chase has zero monthly fees from me (other than the $3.40 they took) and one massively unhappy ex-Chase customer telling everyone I can about how they suck vs. the option of zero monthly fees and a happy Chase customer. No wonder all the banks are having so many issues, they all suck at serving their customers. They all only think of the fees they can bleed from each account holder.
What recourse to we have? What can the little people do against the greedy giant banks? I guess this is the only thing we can do - warn each other that they are scheming, money hungry, heartless, fee charging machines. I highly recommend not using banks at all, but definitely not any bank with the name Chase on it or that has Chase as a parent company. It will only be a matter of time before your specific raping will occur. As found all over the internet, Chase is evil and cares nothing for those that keep it in business. Good luck to you.
SEATTLE, WASHINGTON -- My bank, WaMu, has been bought by Chase. I have two checking accounts - one that my paycheck goes into, all my ATM withdrawals, checks, and debit card transactions come out of, etc. The other account always has a zero balance unless I am transferring money to another bank, or for PayPal transactions. Chase mailed me my debit card that was to replace the WaMu debit card. Given that I have never used a debit card or check on the account that has no balance, it never occurred to me that the card was for that account.
So I cut up the WaMu card and started using the Chase card. Two weeks went by, and I did not receive another card in the mail from Chase (which I should have received since I have two separate checking accounts). I then went into online banking to discover that I have all these overdraft and NSF charges on the account because there is no money in there. I don't believe this was a mistake on Chase's part. I believe they purposely did this so that I would incur all these extra charges.
There is no reason I would get one debit card for one account and then have to wait several weeks for the other one, when they are both checking accounts. When I banked at WaMu, I would receive two separate debit cards in the mail, one for each checking account, within 2-3 days of each other.
I called customer service and was told that I could not be helped because all the charges hadn't posted to my account yet, and then, when they did, I could speak to a manager and it would be his/her discretion to credit back the charges. That is an unsatisfactory answer to me. I suspected that this type of thing would happen when Chase bought WaMu and now it actually has. I will most likely be moving my accounts to a local credit union.