Feedburner count

Chase Bank Checking & Savings

Star Star Empty star Empty star Empty star
45 Reviews & Complaints

Most Popular | Newest | More Options >
More filter options:
Poor Service While Being "Nickel And Dimed" To Death
Posted by NickelDimed on 06/02/2008
CLEVELAND, OHIO -- I can't believe the incompetency and lack of service by the banking people at Chase. We needed to open up a new checking acct due to a move to another state. The local bank rep assured me that I would pay NO fees to transfer money online between my children's college bank accounts with Fifth Third and Penn National or with our money market checking at a brokerage house. With our old acct, we were never charged fees by any of these banks, not even by the brokerage house, and I was very clear that I wanted that kind of acct with Chase, as long as there were no fees. Does Chase provide this service?

Sure - but the rep neglected to mention that, unlike other banks, at Chase, it's $3 a pop! After filling out all the paperwork to transfer auto paycheck deposits, mortgage payments, and that kind of stuff, I look at my account online and I'm being charged $3 for every online transfer. So now I either have to pay about $30 a month for all the transfers I do or else I have to open a new acct at another bank and redo all the paperwork. So was the bank rep incompetent or did they just figure that once I had the account, I wouldn't go to the trouble of closing it? When I called Customer Service, instead of apologizing, she told me to read the fine print - that I was legally bound by the agreement.

Here's legally bound - Can you say, "Close my account." First thing tomorrow, I'm going to Fifth Third and opening an account where there are NO FEES!!!

Goodbye, Chase Manhattan.

Read 6 RepliesAdd reply

User Replies:Close comments

Posted by madconsumer on 2008-06-02:
try calling them and verify what type of account you have. sounds like you are being charged for your online transfers, and perhaps they have other accounts that offer free online banking.

i know with bank of america, i get free online bill pay, as well as free ach dedeuctions.
Posted by Anonymous on 2008-06-02:
Very informative post! I will remember it if I change banks. Mine doesn't charge for any transfers, if you keep above their minimum deposited funds level. Voted this review 'very helpful'. Thanks
Posted by Anonymous on 2008-06-03:
I believe if you set up these transfers using their online bill pay system (which in effect is an electronic transfer), you won't incur any fees.
Posted by NickelDimed on 2008-06-03:
I am the one who wrote this review. In answer to the comments, Chase suggested I use the online bill pay which is where they actually cut a check and mail it snail mail to the "transfer to" bank. However, the transfers I do online at my other banks are usually credited by the next business day. They also offered to do a "wire transfer" for a $25 fee. Are they kidding? Chase does not offer even an upgraded checking account that allows on-line transfers without the $3 fee. What a rip-off.
Posted by Madtypist on 2008-06-19:
Fifth Third is a GREAT bank! With they had it here in California but I have a joint account with my brother who lives in Ohio.
You are VERY smart to close your account with Chase. They probably won't care because apparently they have enough people happy to pay the feels or they GET enough out of people (like me) before you close your account. That "read the fine print" is a HUGE red flag. And incidentally, Chase has been the ONLY bank that has said that to me. [Or ... we sent you a notice about that 29% interest increase....] One of the happiest days of my life was paying off my Chase Credit card and knowing I would NEVER be doing business with them again.
Posted by chris513 on 2008-06-19:
I used fifth third when I was in high school in Ohio...agreed, they are a good bank.
Close commentsAdd reply

I Will Be Closing My Chase Account
Posted by Pinkcat on 03/15/2009
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 on-line 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.
Read 8 RepliesAdd reply

User Replies:Close comments

Posted by Anonymous on 2009-03-16:
Are you serious? You're giving Chase a negative review because you failed to complete the two-second task of verifying the account number that your debit card was linked to? Shouldn't surprise me, really..we seem to live in a world where everybody else is to blame but ourselves. Please..take some responsibility for yourself.
Posted by old fart on 2009-03-16:
I found it was imposssible to log in to the WAMU ccount after chase took it over. There was no notice posted as to how to make the change..
Posted by old fart on 2009-03-16:
Posted by tnchuck100 on 2009-03-16:
The OP made a mistake. And admits that. The error was caught before the items posted. Chase, if they had any decency about them would work with their customer to correct this error. Chase wasn't out any money yet.

Same old story - the big bad bank has found themselves in a position screw their customer to maximum extent they can conceive.

pinkcat, I don't blame you for closing the account. Find yourself a credit union. They treat you like people in stead of a cash cow. Even if you are not perfect.
Posted by Mario The Great on 2009-03-16:
Hey Old...If you go to chase.com, you can access your Wamu account. Actually, if you go to Wamu, it'll redirect you automatically. They were down for 4 days for the transition, but came back up. I just made a payment without any difficulty. Can't wait to get my new hated Chase card. :)
Posted by Anonymous on 2009-03-16:
I agree with Christopher in that you have some responsibility here in knowing what account the card you are using is linked to. However, a good bank would notify a customer when they saw this unusual activity and inquire on what was going on. Credit Unions and smaller regional banks seem to be the way to go. I recently made a very large payment through my checking account that I don't use very often and before they pushed it through, my bank called me to verify that I had a) authorized the payment and b) the amount was correct. A bank that knows its customers spending habits and patterns is the way to go. These large monopolies are just too big to offer any sort of personal customer service.
Posted by yoke on 2009-03-16:
What did the bank do wrong? The OP was the one who assumed it was for another account. It was the OP's job to make sure they were using the correct card for the correct account.
Posted by Ponie on 2009-03-16:
I don't understand the two checking accounts you have. How can you transfer 'money to another bank' if you keep it at zero? Aren't there any other banks around? I would never have two checking accounts (or two of any other accounts) at the same bank. A few years back when we were living in a cute, hick town (15,000) my spouse and I had separate checking accounts at one of the two locally owned banks. For two weeks, our deposits were being credited to the wrong account, causing quite a few overdrafts on one of them. The solution? We were told one of us should transfer our account to the other bank. We did. The fees charged were waived. In your case, the bank did nothing wrong. You just didn't take the time to check the account number.
Close commentsAdd reply

Chase health savings accounts charge a monthly fee (Opt out!)
Posted by Ksjfdju nrdv on 04/01/2008
There is no longer such an incentive to get a Health Savings Account through Chase. Chase charges you a $3 "toy" fee (I call it that because it is likely used by the CEO to buy new toys) every month. The evil minds at Chase must have realized one day "Wow, even though we're using all the money that customers deposit into their HSA's to earn interest for ourselves, we should also be charging them monthly. After all, this is one thing that we aren't already charging a monthly fee on. Perhaps next year we can charge a monthly fee on the monthly fee, because it currently isn't being charged a monthly fee yet. Then, we can add an "inactivity fee" the following year, where we optimally define inactivity so that we get the most money, and then a "processing fee" for each distribution because we don't already have a fee called that.

Hey, when all is said and done, no one will be able to retain any of their savings in the HSA. It will all go to us!"

This new fee does present a new problem for customers of Chase's HSA. If the interest earned on their account is less than the monthly fee (and it probably is), that technically means that Chase forced the customer to make a non-health related distribution (i.e., they gave it to Chase instead of using it for qualified health expensses). So, the customer will be socked with the 10% penalty. I am going to look into a class action lawsuit.
Read 11 RepliesAdd reply

User Replies:Close comments

Posted by Sparticus on 2008-04-01:
We have an HSA from Citibank. Kind of the same situation. There is a monthly fee associated with it. We just try to keep enough cash in there so our interest grows faster than the fees... ;-)
Posted by tnchuck100 on 2008-04-01:
With a NIC like that they will not return to listen to advice.

No bank has ever charged me a service fee for any account. If they ever do it will only happen once.
Posted by Anonymous on 2008-04-01:
Ahhhh, yes...bank fees FOR EVERYTHING. They are getting hard to avoid. I'm with tnchuck100. I walked from a bank where I did business for 15 years...because they charged me 50-cents as a fee because I used a teller to make a deposit. Vote with your feet...if you can find a better deal.
Posted by ksjfdju nrdv on 2008-04-01:
I'm going to see if my HSA can be transferred to a different bank (I'm sure there will be an account opening fee, an account closing fee, and an account transfer fee, oh and a service fee). I didn't choose Chase, but I might be able to choose a bank. I didn't even bother to see if I could choose the bank when I opened the account through Aetna. This fee is new this year. It makes no sense. They are getting free money to invest and lend. The monthly fee is not a qualified disbursement; who will pay the 10% penalty? Of course, I know the answer to that question.
Posted by ksjfdju nrdv on 2008-04-01:
I also know to avoid Citibank...thanks Sparticus!
Posted by Sparticus on 2008-04-01:
I did get Citibank to drop all my other fees since I have so many accounts with them. Essentially I have free banking... except for that darn HSA... but it is only like $1.50/month I think... and I make more on interest than that... so I'm not too upset about it.
Posted by JK28NY on 2008-04-04:
Unfortunately ksjfdju nrdv needs an education on HSAs. 95% of banks charge monthly fees for this product (and chase is not at $3.think it's $2.50)...and some even charge setup fees, atm fees, etc (while Chase does not). Also try calling some of the customer service areas of the other banks - good luck getting any help. The Chase representatives are extremely knowledgeable and with a new type of account - that's worth a measly $2.50 per month.

Because this is not a typical bank account, banks carry much higher expenses to manage the programs, especially when they first get started. Think about checking accounts - when they started banks charged fees until balances grew large enough to make real money.

The HSA is like a checking account, but you're missing out on the fact the account also has an investment component, sort of like a 401k, and they do pay a higher interest rate than most checking accounts today. I suppose they could get rid of the fees and lower the interest rate, but not sure that would benefit most people who use the account to build a retirement nest egg.

Also fees are NOT distributions in the formal sense so any legal inquires to your claim will be fruitless.

Hope that helped others as well.
Posted by Moken on 2011-07-19:
I worked for the company in the health savings department. Chase will charge you for checks, a book of 25 for 10.65 and they are all about taken your money. They never want to give back fees to their customers and are snooty. The managers act like they are too good to understand honest mistakes by the customers with accounting mishaps.
Posted by NK on 2012-07-23:
Regardless of what other banks are doing specifically with HSA's - I still think it is a bit ridiculous of Chase to charge $3/month (I know that's the fee, because that's what they deduct from my account) - particularly when many HSA customers don't generate enough in interest to cover this at all (I get about $0.30/mth in interest). Why should any bank be charging a monthly maintainence fee for just holding HSA money? When I was with my prior employer where this account was started, I had no idea that Chase would charge fees with the program, as no fees were charged while I was there. This seems like extremely shady business practice to me, and Chase should be ashamed, along with other banks here...
Posted by joseph on 2012-11-20:
i opened a HSA account with Chase and i am very happy with servise ,website...a great experience
Posted by yuri on 2013-12-30:
HATE HATE HATE Chase HSA. Applied online and they sent cards even when account was suspended. Called to give insurance info and found account was never opened as was "flagged" by fraud department for a reason they could not say. Had to fax in social security and driver's license and a recent utility bill. First fax "lost" by them. I had to call to see result of fax. They said to refax. Each time takes 3 business days to enter the fax to their system. Second fax was "inadequate" so asked to refax, which I did. Then after 6 more days I called back and account still was suspended. Customer service can not call operations department who scans in faxes or the fraud department that flagged the account to see if last fax was good enough to unsuspend. They are either poorly organized OR have poor customer service training. Either way, they are HELL to deal with and I would avoid at all costs. I am moving the home mortgage and all 4 credit card accounts I have with Chase to somewhere else. I would call to complain to their customer service department but HSA accounts and their other auto, mortgage and credit accounts are on a "different platform". This is why they couldn't verify my identity in the first place despite all my accounts with them. In all, a shit show of an experience and I would strongly advise you look elsewhere. I find that the only way to fix these problems is for them to lose business so severely that THEY figure out that they must be doing something WRONG and make changes...
Close commentsAdd reply

Chase closing my account
Posted by Bizmom on 01/18/2008
LONG ISLAND CITY, NEW YORK -- My husband and I have a small business. For about 15 years we have had our business account at Chase. The location was very convenient and the manager, tellers and customer service people were all very friendly. The last few years things have gone down hill. It started with the manager leaving. Even though we are a very small company he always treated us with the same respect as larger companies. For a while there was not manager and then a new one every month or so. The current and previous managers have lasted longer, but their attitude is not one of how can we help you rather what can you do for us.

A few months ago we decided to move our account to another bank. The manager we liked so much was at that location and we felt very comfortable there. We did not close the Chase account right away in order to give ourselves a chance to change over automatic payments, credit card deposits and the like. At the beginning of this month I went to the bank to make some final transactions. The teller called the manager over who then asked me to come to the customer service area. I was told that our account was closed. I asked why and received no response other than your account is closed. I asked the manager to please find out why and she went into a back room of the bank. I waited for several minutes and then saw her in the teller area talking and laughing with one of them. She then came out and gave me a number to call for more information. I asked if she couldn't call right then, but her only response was your account is closed and have a nice day.

I went back to our office and called this number. The answer I was given was "your account is closed" and that I would receive a letter explaining everything. I was very frustrated. There was money in the account and I was unable to get it. I was told I would receive a check when they finished the closing process.

A few days later I did receive a letter stating that the account would be closed 10 business days from a certain date. That date was one day before I went to the bank and was told it was closed. It also stated that 5 more business days after this a check would be issued for any money still in the account. The letter did not give any reason for the closing. I asked why I wasn't given any warning and was told that Chase decided to do things that way. I asked what had prompted the closing and was told Chase has rules for having an account and I had done something against those rules. I asked what specifically I had done and was not given any reason.

I explained all this to the manager at my new bank. He was surprised and told me they cannot hold my money and that I should make a fuss and also to call the executive offices. I called the branch and after asking several people got the number for the executive offices in our city. Unfortunately I received no further help there. In fact the representative I talked to was very rude. She gave me the same answer "your account is closed" and could say nothing further. I called back a second time and this person was a little nicer, but no concrete answer. I find that I have no choice but to wait for them to send us the funds they are holding.

I feel Chase is acting like a bully. I am the small guy and the big bully is doing whatever he feels like. I did nothing wrong and am being punished for some reason. Once this is over I will be glad to be rid of Chase.

Read 13 RepliesAdd reply

User Replies:Close comments

Posted by tnchuck100 on 2008-01-18:
You did not state how much money is involved or how long they have blocked you from access. If it has been more than 30 days you may want to get an attorney. Possibly even file a police report for theft. Maybe then they will be a little more forthcoming with a reason for closing the account. Another possibility is to file a small claims case against them. That will get their attention.

These are only possible courses of action. How much money is involved, how long it has been, and their reason for closing the account will determine the best way to go.

Good luck. Keep us informed on what happens.
Posted by Principissa on 2008-01-18:
What I don't understand is how they can close a person's account and not give them an explanation. It is your money, and unless you have pending transactions, they have no right to keep it from you. I am going to agree with chuck here and say that depending on what the final balance is on the account that you seriously consider contacting an attorney.
Posted by bizmom on 2008-01-18:
Thanks for your response. It is not a large amount of money as we were using the new account as our main checking account(Under $2000.00). But to us as a very small business it is a lot of money. It has only been one week since this happened. They said that in 10 business days(from 1/9/08 as stated in the letter I received on the 14th) the account would be officially closed and that in 5 business days after that a check would be sent.

The executive office had told me to read the rules for having a business account. As with most people I don't think I ever read this from cover to cover and I could not find a copy. I went to the branch and got a copy of the rules. Under a section headed closing accounts it states that the bank or the account owner can at any time with or without a reason can close the account. It states that if there is money in the account it will be returned to you, but it does not give a time period. So I guess they can do this and not tell you why. But it does not say this cannot be done without warning. If I had received this letter and been given the 10 days to clear everything it would have been fine.
Posted by spiderman2 on 2008-01-18:
I would contact the banking department in New York to find out if they are acting legally or not. I find it very odd that they will not give you an answer.
Let us know if you ever get an explanation from them.
Posted by madconsumer on 2008-01-18:
i think something is missing in this review. banks do not close accounts "just because".

Posted by calamity on 2008-01-18:
You need to contact the "Comptroller of the Currency". They pulled this same garbage with my ex-husband, and they tried to hold a check for over 8k for close to 20 days. They first tried to allege that it was a fake check, and when AES Suntrust got involved and got ugly with them, they changed their tune. They had showed the funds as available online, so I had paid half a dozen bills via online transaction, only to have all of them returned unpaid, with resulting fees of over $375, not counting the fees he was charged by the companies that were paid. They were rude, condescending and evasive at the local branch, and after we called the comptroller and then the Executive branch of Chase, over and over, he finally got what was left of his money. They refused to refund the fees, and they treated him like a criminal for depositing a student loan check from a reputable lender. They are crooks, clear and simple.
Posted by Madtypist on 2008-01-20:
I am no fan of Chase and will be looking in to see the excuse you are finally given for why they closed your account. What I know from my experience with Chase is no matter how long or good of a customer you have been of theirs, if your credit rating ever takes a dip, if you are a customer of Chase's, be prepared for your dip to go down further. I was a customer of theirs for 17 years, they previously had been my all time favorite company but after the merger with First Card there was a transformation. They raised my rate to 29.9% ONLY because I was considered a "poor risk" based on my credit score. I paid as much as I could to them each month (more than the minimum payment) and each month they lowered my credit to my outstanding balance keeping me at 100% up to my credit with them. I finally was able to borrow from a family member to pay that sucker off. They first FROZE my account for 10 days (because of the "suspicious" large payment and then when that cleared they closed my account. "You have enough credit with Chase." [I had another card with them that had been my original Chase before my First Card turned into a Chase.]
AT THE SAME TIME I was getting pre-approved refinance offers from Chase. [My house then and now has a ton of equity in it.] As soon as my credit score bounced back up to "Good" (taking longer than it would thanks to Chase) I refinanced easily with Wells Fargo. Now that my score is back up to Excellent Chase has raised my remaining account with them another $8,000. I do not use that card -- will NEVER use anything with Chase on it ever again.
So my guess is they are doing the same thing with you, closing your account because they have decided you are no longer of use to them. Bully is right, they were the ONLY bank during my financial crisis (my business had a very bad six months -- I was never late nor over my limit with ANY of my cards -- including theirs -- I simply had to use my cards during that time to pay my expenses. They were the ONLY bank that did this to me.)
I do think with Chase it is nothing personal but they have set themselves up with letting numbers and computers do their business and there is now no room for "customer relations". As you see, they have absolutely none. I actually suspect the humans you think you are talking to are really robots. No matter what you say to them, they keep repeating the same response.
Posted by sumoact1 on 2008-01-21:
i think you should write the BBB about what they did and how they treated you. let them shake e'm up
Posted by bizmom on 2008-01-21:
I appreciate all the comments and advice. I will try complaints to the BBB and other the agencies suggested and let you know what happens.
Posted by screwedbyChase2 on 2008-02-04:
Chase has gotten too big for its own good. The bank and its employees behave like bullies simply because they are bullies.

Withdraw your money while you can. If it's there long enough, they will take it out in fees.

The good thing about banks is that there are plenty of them! Go to a bank that really appreciates your business. There are still a few good ones out there. :)
Posted by bizmom on 2008-02-05:
I did finally receive a check from Chase for the total we had left in the account. No one ever told me the reason for this, though. But I am glad to be free from Chase and I will not have to deal with them again. By the way we are using HSBC and find them to be very professional and friendly.
Posted by ezex on 2008-03-31:
Hi, yes , the same happens with 2 business account on BANK OF AMERICA< and yes yes it JUST because,
no explanation i been calling all day, and went to the branch, and they dont want to disclosure to me any information.
Posted by Kimmy on 2012-09-17:
any update as to why they closed?
Close commentsAdd reply

StarStarStarEmpty StarEmpty Star
Took Three Months Before District and Marketing Manager Spoke With Me
Posted by Yrubenstein2010 on 03/04/2014
BROOKLYN, NEW YORK -- I was told that I could receive $125 if I put ten thousand dollars into a brand new Savings Account for 90 days, not 120 days. I was misinformed and mislead about the terms of opening this type of Savings Account and even worse I was pressured to open the account and I was given a deadline that was just one week later extended.

It seems to me that Chase wants to have their cake and eat it too! They are short on the details and when they say there's a deadline they pressure and even coerce you to buy their current promotional product. And then adding insult to injury they extend the deadline for some of their promotions after they have pushed you to meet the previous deadline.

Lastly, if you don't have huge amounts of money in more than one account your checking and savings account don't bare any or just marginal/minimal interest. Chase is for wealthy people who can afford to put large sums of money in checking and savings!
Read 1 RepliesAdd reply

User Replies:Close comments

Posted by trmn8r on 2014-03-05:
Interest is pretty much 0 right now at all banks. It is common to have promotions to get people to give them money, such as the one you describe.

The deadline you speak of sounds like it was a date by which the $10,000 had to be deposited in order to be eligible. If so, that doesn't seem out of line.

It isn't clear where the 90 day vs. 120 day discrepancy came up. Looking at the potential return here, $125 on $10000 over 4 months is about 0.425%, which these days isn't bad compared with the going rate.
Close commentsAdd reply

StarEmpty StarEmpty StarEmpty StarEmpty Star
Worst Customer Service of Any of the 8 Banks I've Dealt With
Posted by Nrodriguez.developer on 11/17/2013
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 8AM to 4PM 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 asshat somewhere up the chain looked at my last name (Rodriguez) 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.
Read 3 RepliesAdd reply

User Replies:Close comments

Posted by clutzycook on 2013-11-18:
Sounds like you'd better get thee to a credit union.
Posted by nikalseyn on 2013-11-18:
I have been with the same bank---now Chase__for decades and the only problem I have with them is a decided lack of personnel lately, just like your experience.

Your big mistake was in closing out your account before you cleared up the overdraft charges. If the overdrafts were not caused by you but by fraud, then you should have just left the account open until you resolved these charges. Then closed the account. As mentioned, tho I suspect a credit union account would be much better for you.
Posted by ok4now on 2013-11-19:
My overall experience with Chase Visa has been good. They gave me a $20K credit limit on the card with a 12% interest rate. Usually I pay the entire balance off each month to avoid the interest charge. Recently I made several large purchases totaling $5k. I called customer service asking for an interest rate reduction, they refused alienating a good customer.

Just transferred the entire balance to my C.U. Visa at 2.9%. Sorry Chase you lost a customer.

Comments Basher? I know you're reading this.

Close commentsAdd reply

No safeguard against unauthorized withdrawals
Posted by ASAP on 05/03/2011
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 24hrs.) & 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.
Read 5 RepliesAdd reply

User Replies:Close comments

Posted by trmn8r on 2011-05-03:
Was this an automatic payment that you set up *from* your Chase account, or an automatic billing that you authorized a company to *withdrawal* from your Chase account? What company is it that you were paying each month?

What are the dates involved? When did you cancel the autopay? How many months were you billed after you requested cancellation? What efforts have you made to contact the company that got the money, and how have they responded to your request to get the money back?

Automatic payments are great, until you want to stop them.
Posted by yoke on 2011-05-03:
The issue is with the vendor and not Chase. Since they were notified to stop and continue to put in the withdrawls it is on them. What company is it for? Do you owe them money?
Posted by Cwazychicken on 2011-05-03:
That is why i never give any site (like clearing house), my bank account in fear of them being able to bill me anytime i want and my bank not being able to do much about it. Did you give them your bank account info?. Did you contact them to stop billing you? I assume you probably have done everything you can to put a stop to it, but some of These kinds of companies tend to take advantage and bill people non stop any ways, and its hard to cancel them. If you can't do anything, may have to open a new bank account. Hope it stops for you.
Posted by ASAP on 2011-05-04:
The relationship was with "merchant services", ie- credit card processing co. (Intuit/IMS). We had to give them bank routing info in order to receive payments. Problem was after we canceled their service (written notice to Intuit & Chase). They continued for months to withdraw monthly fees without authorizn. We caught the errors & reported it to Chase, but they allowed further withdrawals. Plan to close the acct. as soon as we receive refund (if ever) but so far Chase has stonewalled.
Posted by smbarerg1 on 2012-09-12:
Hey ASAP if you're still around these boards did Chase ever refund the money?? My dad had the same issue with them and it is a PITA to fix.
Close commentsAdd reply

Bank misuse the debit and pending charges of there checking acct
Posted by St.mary's on 04/05/2011
MORRIS, ILLINOIS -- In response to the way chase holds pending debits to or against you I am fairly new to chase within the first 2 months was hit with debit card fraud as much as they did wrong they did pay for all debits. have always kept my account in good standing when ever my balance gets really low an I can see pending debits they either hold them until I make a deposit or they send small ones through. believe me chase is crooked I am gathering evidence for legal action. my branch banker laughed at me when I made complaints with evidence in hand have read corporate is a waste of time. just my story.

Read 4 RepliesAdd reply

User Replies:Close comments

Posted by Anonymous on 2011-04-05:
What exactly did they do to commit debt card fraud? Your review is lacking details for the harsh claims you are making.
Posted by trmn8r on 2011-04-05:
I really can't tell what happened here. I could guess, but I think you need to provide more details so that it can be seen that the bank did something wrong.
Posted by yoke on 2011-04-05:
I don't understand the complaint or fraud if the bank was holding the debits until the deposits were made. Most banks do not do that.
Posted by bcd on 2011-04-05:
A bank that holds debits awaiting deposits is one cool bank.
Close commentsAdd reply

They won't take my money as a deposit!!!
Posted by Hecto Swazo on 03/26/2011
I just signed up with Chase for online banking. I was with USAA but they won't let me scan checks with my phone since I'm not in the military? Chase lets me scan checks with my Android so I thought I was good to go.

I went to scan my first check for $1200 to get some money in the new account setup 3 days ago. The Android App said can't deposit this amount it's too much. So I went to their FAQ page and there is nothing there stating that there's a limit to check amounts. I called there Tech Support and said the limit is $1000 and that can't be changed. Now I have to write out 2 checks!!

I asked what's my account number for the back of the check? They said we can't tell you over the phone.

I asked where can I see it online? You can look at your statement online..you'll have one in 20 days.

I asked if I could answer 5 security questions to get the account number. They said our policy is too not tell customer their account number.

I asked how can I get you take my money? They said go to an ATM.
I don't have my ATM card yet. They said you should have it shortly. I asked what is shortly, the mail already came today. They said 7-10 days.

I said you want me to wait 7 days to put money in my account?
I said I think you should change your policy, it's broken.

I live no where near a chase bank, I'm trying to do on-line banking but you won't get me access to my account for 7-10 days?

They put a Supervisor Salvador in Houston on the line and he didn't resolve anything but stonewall me.

Does someone out there want to be my bank please?

Read 4 RepliesAdd reply

User Replies:Close comments

Posted by clutzycook on 2011-03-26:
As much as I LOVE online banking, I would never go with a bank that didn't have a brick and mortar branch within reasonable driving distance of my house or job for the very same reason you're outlining here.
Posted by macdave on 2011-03-26:
Why can you not just transfer the 1200 from your usaa account? When I opened accounts at my last 2 banks thats how I got money into them to start.
Posted by Skye on 2011-03-26:
I have to agree with cc and macdave.

I also love my mom and pop branch, and never ever had any issues with my bank, and they are all over the place. I avoid large banks that deal mainly with corporations. Banks are supposecd to make things accessable and easy for customers, not make things worse.

Posted by trmn8r on 2011-03-27:
I use online banking primarily, and I agree with clutzy. I only bank with banks that have a branch near me. Actually, several branches in the area, so that I can easily get to one if I need to.

In this age of wireless, people are getting accustomed to doing things instantaneously. But, opening a bank account does come with delays as well as rules. This has not changed.

Privacy concerns have dictated that all companies considerably tighten the disclosure of information such as account numbers. The only ones that don't seem to follow along are the state and local tax authorities (go figure) - they still print my SSN on mailings.

When I opened my PNC account 5 months ago, it took 3 weeks to get it working right due to an electronic glitch. Things happen. I hope it works out for you as you move forward.
Close commentsAdd reply

Chase Bank Stole My Money
Posted by Fw on 02/04/2011

Do not do business with this Chase Bank they steel 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 Eddie, 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 Eddie 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 the 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.

Read 7 RepliesAdd reply

User Replies:Close comments

Posted by Inat on 2011-02-04:
ya know, i've been a bank one / chase customer for about about 15 years and NEVER have I had a problem with NSF, "stolen money", etc. EVER - you know why? b/c i keep track of my money and NEVER depend on their ATM balance statements, etc.
Posted by Skye on 2011-02-04:
Is there a possibility, someone else removed the money? Does your statement show Chase took the money from your account? I'm just asking, because I totally understand your anger and frustration. Did you have overdraft fee's that added up, therefore, they took the check to pay them?

You said you were willing to write off the first amount of money, why, I don't know, but why would you choose them again after the fiasco with the first stolen/missing check? I think certain details may be missing.
Posted by Anonymous on 2011-02-04:
I certainly would be taking them to small claims court to get my money back.
Posted by saj80 on 2011-02-04:
A receipt does not prove or disprove that the money was actually put into the ATM. I can go to any ATM that accepts deposits and enter an amount, insert a blank envelope, and get a receipt stating a deposit has been made. However, these deposits are not accepted until verified. You can waste your time via a small claims court action, but without solid evidence that the money was actually in the deposit envelope (I hope you didn't deposit cash, because you have no proof then), you don't have a chance of winning. You need to contact whomever sent you the check and see if it has cleared their account. If it has, it will have tracking numbers that can be used to see where it was accepted and deposited.
Posted by Obsfucation on 2011-02-04:
It happens every single day Saj.
Posted by Eric on 2011-06-17:
Call the media, such as ABC, Channel 11, disclose to the public
Posted by kw34 on 2013-01-16:
I just checked my Chase accounts online and found out both my checking and savings account have been closed. There's no online record of either account even existing on their webpage. There was approximately $2500 in both accounts and now I have no idea where that money is now.
Close commentsAdd reply

Top of Page | Next Page >