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Took More Than a Month to Deposit a Check.
Posted by on
Rating: 1/51
OREM, UTAH -- Received a check as a graduation gift and tried to deposit it on June 1st. I was told that it would be a week until my funds were ready, waited two weeks and saw none of my money so I visited the branch. Apparently they were unable to contact the maker of the check because they had been trying the wrong phone number and when given the correct one, they still continued trying the wrong one. I asked the maker of the check to visit the branch to verify his identity, but it was “confidential”, he left a copy of his ID and his *CORRECT* phone number. Still, no one called him. Savings account was closed, card was canceled, and I had no access to *ANY* of my money. Not only the check that I had tried to deposit, but also my previous funds, so I had no way of eating until given an ATM card days later. At this point it had been a month since I deposited the check. It was suggested that I ask the maker to cancel the check and instead give me a money order, but upon contacting his bank he realized the money had been withdrawn from his account on June 2nd. (A month ago). I threatened to bring my attorney into this and that's when it finally seemed like anyone began *TRYING* to help me. The maker was contacted by my banker and the fraud department, his identity was verified, and I was told that I would have the money deposited into my account in the next 48 hours. Waited three days, still nothing. Visited the branch again, possibly for the 10th time in the last month and a half, and was told it would be another 48 hours. Waited four days: nothing. Two days ago, it was deposited. It's nice to know that it takes them nearly a month and a half to deposit a check. I have been utterly patient, kind, and understanding while waiting for *MY* money to be given to me. What angers me the most is that for whatever reason, Chase thought it would be a good idea to withdraw the money from my uncle's account but refuse to give it to me, merely to "prevent fraud." Well, that's fraud. He didn't write the check for Chase, but it was still taken and held onto for much longer than necessary.
     
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Don't Want to Review POA
Posted by on
Rating: 2/51
HOMESTEAD, FLORIDA -- On Saturday March 1 of 2014 I went to my Chase local branch to open an account jointed with my mom in which I have power of attorney for. After speaking with Luigi [snip], the banker that took care of me, he told me he had to fax the power of attorney to their legal department. After he did he was told that it needed further review and it will be done within 24 to 48 hours.

On Tuesday March 11 I went back to the bank to find out if it was reviewed. When Luigi called the legal department he was informed that it wasn't done yet. When I asked to speak with the branch manager I was told that he wasn't in so I asked to speak with the assistant manager. She told me that it can usually take up to 72 hours. Today Thursday March 6 being that it was past the 72 hours I went by the branch to see if it was done and after speaking with the branch manager and he inquiring with the legal department he told me that it has not been reviewed yet. I also speak with the district manager regarding this on a phone conference call at his office. While I was waiting at the branch to speak with the branch manager I received a phone call from the district manager which was the result of an e-mail I have sent earlier today to customer service via my account's secure messaging on their web site inquiring about this.

In conclusion I was told by the bank & district manager than until their legal department approves it there is nothing they could do. I told them that this was ridiculous since I have used this power of attorney for my mom to deal with everything for her. From buying a car, managing her phone, TV, electricity billing accounts to other things and never had this much of a problem. I told both the branch and district manager that I will be filing a complaint with several sources regarding this. I am currently a customer of their bank and have a checking and savings account with them.

I currently have an account joint with my mom at another bank; Ocean Bank; which I opened using the power of attorney on the same day but wanted to close that account and open it with Chase because Ocean Bank only has a few local branches and not as many branches everywhere and they are not as good as a bank as Chase is.
     
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olie on 2014-03-08:
I completely understand your frustration. On the other hand, you might be thankful that Chase is making absolutely sure that everything is legit.

Imagine the letter you'd be writing if a scam artist had gotten or forged your mother's signature, and Chase had granted full access immediately.
Paul on 2014-03-08:
You said you will be filing a complaint "with several sources." It isn't clear what the complaint will be, other than you are waiting for approval. The bank hasn't done anything wrong at this point.

Once the account is set up, this delay will be soon forgotten. Good luck.
ksgal on 2014-03-08:
I may be wrong here but how did you go back to the bank on Tuesday March 11 when its just March 8?
Ralph on 2014-03-08:
If you have a joint account why do you need a POA? You have all the rights to deposit and withdraw as your mother does because it is a joint account.

Regardless, you would think Chase would at least get their stories straight.

CrazyRedHead on 2014-03-08:
You do know that Tuesday, March 11 is 3-4 days away? It's Saturday, March 8th right now.
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Recommend Never to Work at Chase Bank....
Posted by on
Rating: 1/51
COLUMBUS, OHIO -- Please don't glorify Chase. They really are NOT that good of a company to work for. I worked for them for over 7 years and finally left. Chase will treat you like utter crap unless you are a (big time) "butt-kisser" to them, and you strive to work like a dog, and do not have a life outside of them.

The only people who really get ahead there are "butt kissers," and "gossips." The people there love to gossip. I mean it. They love to stab you in the back. People will pretend to be your best friend, then will go behind your back and tell everyone everything you told them about your life. I mean it, you cannot trust anyone there! It is a VERY cut-throat environment. You would be much, much better off to work for a smaller bank, or even a retail outlet or a restaurant. Plus you will not make a lot of money with Chase either. They don't like to give big raises, and they love to ask people to do a ton of over time, but then when the need for production is down, they will want to send you home early. They do NOT, I repeat, do NOT care about you as a person...at all. They only care about making money, and having power and prestige in the community. They put on a big show with commercials in order to pull people in so they can suck as much money out of them as possible. Plus they are outsourcing most all of their jobs overseas. Do you really want to work for someone like this? I was NEVER proud to work for them....so I left....thanks God!
     
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DebtorBasher on 2013-10-06:
I could not agree with you more! I worked for Chase in Cleveland and it was exactly as you said. I was told not to even try to advance because I was 'not one of the group' and I'd be wasting my time if I even applied for a higher position.

I hated working there as a collector...they treated the hurricane victims as if they were just throw-a-ways. They had us make promises to them to help them with their mortgages, then never went through with their promises, causing them to be in an even worst position than they were before. They had no heart, no feelings and no compassion for what those victims went through. I quit because I was not going to treat people the way they wanted us to. They told us if we called and the debtor was a hurricane victim, we were to just tell them anything and get them off the phone so we can go to the next call and find a paying debtor. They also went into bank accounts and took payments, they said they were allowed because it was their bank and it was their money. I will never, never, ever have anything with the name Chase on it!
ok4now on 2013-10-06:
Excellent post and very informative comment Basher. Chase collections went after my deceased mother's $600 Visa balance like a pack of rabid pit bulls. Interest rate immediately jumped to 30% with hefty late charges. Balance quickly shot up to $1500. Unending phone calls to my house and cell phone. They would sometimes call and just blast loud music with no message. Keep in mind that this was not my bill and I was not the debtor. They somehow got my phone numbers and were unrelentless. This continued for six months and then they finally stopped. They had to under federal law. Then they reported to the IRS that the inflated $1500 balance was "income" and taxable. Hello the woman is dead. My accountant was able to write it off on the estate tax return. Good riddance.
trmn8r on 2013-10-06:
As a customer, which is a totally different thing than working for Chase, I could not be more pleased. I get fantastic customer service, a great CC rewards program, a regular payment due date, a easy-to-use web interface.

I personally have no concern about what being a Chase employee is like, unless that manifests itself in poor customer service, usury rates, unpredictable outcomes, etc. I worked for two large corporations - they both had great products, but I got sick of working for them after 2 years and 5 years, respectfully.
nikalseyn on 2013-10-06:
There will always be disgruntled employees at any business. Such is the case with this complainant. I know a few Chase employees and they are rather happy to work for Chase and have no problems at all. As a long-time customer of Chase, I also have had no problems. In fact, of the four banks/credit unions I have accounts at, Chase is the best for customer service, great website and account access and perks. Highly recommended.
Old Timer on 2013-10-07:
Guess I will never understand this site. To always try and diminish the views, comments and complaints of the OP's? This poster has a legitimate beef with Chase. So what happens, they get pounded on for it.

If Chase sucks in the OP's mind, then it sucks in their review. Write your own warm fuzzy review about Chase if you love them that much. But don't diminish someone else's review.

JMHO~
Alain on 2013-10-07:
Thanks for the review. I stop in here now and again to get a feel for what consumers have to say and it helps to get a variety of opinions. As for Chase, I haven't used them for years.
CEK on 2013-10-24:
Yes, I have seen how Chase treats their employees. As a former corp. ( not Chase) VP I could not imagine ever treating an employee in that manner. Chase will never admit to a corp. error....just turn it around and place the blame on the customer.
Misty123 on 2013-10-24:
I have an account at Chase I never let them get the upper hand. My daughter started working at a credit union just out of H.S. She started in the mail room and worked her way up to the accounting dept. she took night classes in accounting and worked her way up to the head of the accounting dept.. She left the bank and went to another company and worked her way up to CFO. She was listed in Business First by her superiors. She owns her own business now but still works for companies that are struggling she sets up a plan to get them back on track financially. So it all depends on a person's attitude and what effort you put forth. When she started working in the accounting dept there were 2 supervisors in the that was very mean to her but this did not stop her or hold her back because she had a plan and she worked hard and it sure paid off for her.
Debbie on 2013-10-26:
I take the reviews on this site seriously. I respect the frustration and anger, though also look for facts and substantiation. I like Misty's response as the "vibes" one puts out and how one handles less than positive situations can affect how one is perceived. Dealing with less than stellar, unethical, coworkers, supervisors, etc... can wear one down. Knowing when to leave (if an option) is paramount, as is finding ways to be honest when honesty is not expected. Working well, even when unhappy, is an art.



Karen H on 2013-10-27:
I don't know why it's such a surprise that a corporation does not care about its employees. As disparity increases between socio-economic sectors of the population, the brazen disregard for our population (including workers) becomes more apparent, but it's always been the case that corporations and the people that run them, (including our government), do not concern themselves with the suffering of the masses. They are strictly concerned with the contents of their own bank account and investments. Of course they will encourage a toxic environment, it allows them to maintain control, keep their employees unbalanced and therefore more dependent upon their jobs. If you review your history, particularly in regards to the industrial age, you will observe this to be the cycle. When economic times are good, corporations must entice quality workers, when economic times are bad, they have tremendous choice in employees, as well as power and control of their employees.
I wonder how long again, before it’s okay to allow 7 yr. old children to work factory lines. I recently viewed a documentary about Myanmar, in which it is commonplace to send 6 and 7 yr. old children to work to help support their families. It’s a shock for us to see kids selling flowers in the street, working in workshops and breaking up rocks, but commonplace in many parts of the world. My father was raised during the depression, and his meager earnings from his paper routes and as a pump jockey at a gas station helped to support his family....at the age of 7. Still his family didn't have enough to eat, and the neighbor supplied him with milk, after my father was diagnosed with rickets (a disease of poverty). With recent cuts to public subsidies like food assistance, it won't be long before this is again a common occurrence.
Sorry for my cynicism, but frankly, this is the way of the world. If someone told you the world is a fair and just place, they were living in a fantasy world. When you go to work for a corporation, just remember, you're working for them, they are not working for you. They never will be. I'd suggest you expect less of your employer, protect yourself by not sharing personal information with co-workers or go to work for yourself. Actually, the great thing about The U.S. is that you have some choices, and with hard work and dedication, as well as some luck….you can create any future or reality you chose. Good Luck!
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Chase Bank Should Have Returned Check Instead of Paying Check
Posted by on
Rating: 1/51
UNION CITY, CALIFORNIA -- I had always declined overdraft protection so I was surprised to see my checking account with two overdraft fees for a check nearly 7K that was cashed. The check was never intended to be cashed.

I had an agreement with a home improvement business that my nearly 10K contract would all be paid by my American Express credit card. My 30% initial payment was paid by American Express. The 70% final payment was to be paid after the closing date statement of my American Express and then I would receive in exchange the check back when I paid with my American Express credit card. However, the day after I signed the check I cancelled my contract with the business so the check was supposed to be returned to me within 10 business days following receipt of the cancellation notice. Instead the sales project consultant deposited the check with no services rendered.

I am now out of nearly 10K. I am angry that the funds that I had reserved to pay my bills are in the hands of a business that I will now have to sue. This would never have happened if Chase Bank had returned the check instead of paying the check.
     
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Nohandle on 2013-08-14:
Did you call Chase and stop payment on the check when you cancelled your contract with the home improvement business? Thanks for informing us so others will know not to give ANY business a check and ask them to hold it for any reason. Some will cash it before the dust settles in the parking lot.
Susan on 2013-08-14:
How was Chase Bank supposed to know that you canceled the contract and the check wasn't supposed to be cashed? Did you place a stop payment on it? Sounds like your complaint is against the home improvement company for depositing the check when the contract was cancelled.
CU on 2013-08-15:
It's a little unclear OT. It sounds like there may have been enough to cover the big check, but it caused overdrafts on other checks. OP says the check was for $7k, but is now out $10k. NH is right, in any case the check should have been stopped.
Wiggums on 2013-08-18:
You have an issue with the contractor, not the bank!
oldtnvol on 2013-09-20:
I agree with the first commenter. The first thing you should have done is call the bank and put a stop payment action on the check. Also if you have something in writing about the company not cashing your check, then you might have a legal avenue to get your money back.
Midge on 2013-09-20:
Any time you have home improvements done, the rule of thumb is 1/3, 1/3 and 1/3 in payments -- 1/3 down before the work starts so they can purchase the materials. Then when they are halfway done, the other 1/3 is paid, and then the last day the final 1/3 is paid. I don't know any business who will hold a check until the job is completed and then hand it back to you, hoping your charge will go through to pay for everything. Most companies will cash your deposit (check) immediately so they are not stuck with paying for the materials for your job. The company is not going to have a crew working at your house for days/weeks and then hope that your check is good. Why didn't you just put the deposit on your charge card? Why write a check, hope and pray they held it, and then expect to get it back, so you can put it on a charge card in the end, which may not go through. The bank didn't do anything wrong unless you actually filled out a stop payment on the check and they still paid it. Did you put a stop payment on the check? How were they supposed to know you didn't want it cashed -- you wrote it out and signed it? Whether you had overdraft protection or not, the check still would have been cashed because you wrote it and signed it. You just wouldn't have gotten overdraft fees. Sorry, but it sounds like your in the wrong here. Don't write a check that you don't want cashed. You could have saved yourself a lot of heartache by putting the deposit on your charge card or putting a stop payment on the check. The company does owe you the money back minus any goods they purchased to do your job. It sounds like the home improvement company got burned in the past by people who didn't pay, and the minute they got your check, they deposited it to see if the funds were there. They have to pay workers, have families to feed, and don't want to be stuck with goods they can't use again. Read your contract -- you did sign a contract, right?
NS on 2013-09-20:
The bank should have bounced the check if you did not have the funds in your account and you refused overdraft protection, but apparently they decided (on their own) to accept it and charge you for the overdraft. The bank is in the wrong and I think you can challenge their payment of this check and challenge the AmEX payment as well, if no services were provided for the payment.
Brian on 2013-09-20:
You people are missing the point. She did not have overdraft protection, which is basically a loan, for insufficient funds. The Bank should not have cashed the check if funds were not available to cash it. However, certain Banks, chase included, often change their rules requiring the depositor to re-state their wishes for overdraft protection with opt-in as the default. Then they conveniently do not tell the depositor of the change. Bad Bank.
Bubba on 2013-09-20:
Agree with the above. You have an issue with the contractor, not the bank, unless you put a stop pay on that check. As much as I hate banks, it did it's job properly.
small claims court mediator on 2013-09-20:
Your contract with the home improvement company makes absolutely no sense. No legitimate company does business like that. Did you check the company out before doing business with them? Furthermore, you chose not to have overdraft protection, so the bank had a right to cash the check. It was your responsibility to get a stop payment order to prevent them from doing that. You may be able to file a claim against the home improvement company. Contact your state consumer fraud agency and the Better Business Bureau to see what they say. I don't know what the limit is in your state for filing a case in small claims court, but that would be the cheapest way to try to get some of your money back. I don't believe you have a legitimate claim against the bank. I understand that you are angry, but please remember that if you take this to court, you need to appear calm and have ALL the facts with you in writing. If you don't have written proof of what they said, then you probably won't win. The county I live in requires small claims court cases to be heard by a mediator. We listen to both sides and try to get the parties to compromise. If they can't come to an agreement, then the case goes to court, but it could be months before you get a court date. If you don't have written evidence to back up what you say, the judge will decide for the other party, so there is a risk of losing out completely. It will cost more to go to court and if you lose, you have to pay the court costs for the other party. Do some research to see if you can get some free legal advice. State consumer agencies may have a list of places you could contact.
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Let Payday That Are Not Licensed in AZ to Steal From My Account & an Auction Company to Do the Same
Posted by on
Rating: 1/51
PHOENIX, ARIZONA -- My Comment is and my experience is Chase is Evil...let me take a few to share my experience with this Greed driven Bank.

I've been a customer of Chase for over 25 years from Valley National first then Bank One when the name changed to JP Morgan Chase. Also worked for them in their National Recovery Bankruptcy department in Arizona about 10 years. I thought that Chase was the best Bank ever and they stood behind their customer, well I've been wrong.

Chase customer service and personal banks are liars, rude and incompetent. Their goal is to make money for Chase no matter how much they screw their customers. I have had one of the worst experiences in my life because of Chase, they have repeatedly disregarded my request to close out an my account to due stop pays that I have paid for and even with overdraft protection they have charged me fees that our Sickening, due to Payday Loan Predators that are NOT licensed in the State of Arizona, even after having and showing them the proof that they were stealing money from my account, not just Payday predators but a Auction House as well.

Chase has cost me over $2000 dollars in damages, let alone this screw up has caused my creditors to decline auto debit to pay my bills " which I need because of my Disability " Chase returned payments like my rent, Insurance which canceled me and others due to letting thieves take my money because they choose not believe a loyal customer of 25 years, its just "Not Right" !! not once but several times.

Chases Claims department is Unbelievably incompetent even when the proof is right in front of them in black & white, they are rude, slow, hard to understand because they are not from this country " What's up with that " ? I'm still trying to get this situation taking care of had to hire an Attorney to handle this for me that's added cost, because I just can't take it anymore, but refuse to give up...Make it Right Chase pull your head out of your ass and help your customers not steal from them... p. s. It's not over yet !!
     
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DebtorBasher on 2013-05-18:
I worked for Chase Mortgage and I knew while in training, that they were full of greed and never cared about their customers. After working there for 4-5 months, I quit because of the way they wanted us to treat their customers, who were victims of the Hurricanes.

Never, ever deal with Chase! If you have ANYTHING with the name 'Chase' on it..get rid of it and run! Run! Run as fast and far away as possible and never, ever look back!!!
nikalseyn on 2013-05-18:
You are angry at Chase and call them all sorts of names and accuse them of incompetence, etc. Yet, you fail to adequately explain exactly what precipitated these events and what they are doing to you/your accounts and why. You need to provide much more details in order to gain credence for your complaints.
Alain on 2013-05-19:
I had problems with Chase a few years ago. So did my Father. We found a simple solution: We closed our accounts and no longer use them for anything.
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Changing Locks
Posted by on
Rating: 1/51
FLORIDA -- I arrived at my condo in Florida and discovered that the locks had been changed and I was locked out. After I was able to get in I discovered a notice that my mortgage company had requested that my locks be changed. The notice was from LPS Field Services (440) 633-4201. I called my mortgage company (Wells Fargo) and they had not ordered any such change. I am current on my mortgage payments. Called LPS and they told me that Chase had ordered the change. Chase does not have my mortgage nor did they ever have a mortgage on this property. Yet they changed the locks. After a series of phone calls, I have new locks but without a satisfactory explanation of how or why this happened. They drilled the my old locks off and came into my condo.
     
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Slimjim on 2012-05-31:
Since LPS Field Services came on your property and drilled you locks, they sound like they are the ones on the hook big time to explain this. I would definably harass them to get the info you need. Make them show the order to change the locks, so you can see all the details. Who's to say they even had the right house. Get the police involved if you have to.
trmn8r on 2012-05-31:
Sounds like someone had the wrong address, either the bank or the lock company. Interesting.

I wonder what Basher will say about this one...
tnchuck100 on 2012-05-31:
Sounds like a Chase was sidestepping the foreclosure process on the wrong property. I have NEVER heard of a legal way to change the locks on a residence without due process. Chase deserves a lawsuit for damages, trespassing and punitive damages. Include these LPS bozos as well. They should know better. This whole thing stinks like yesterdays diapers!
yoke on 2012-05-31:
Scary that Chase could do that. It is illegal and they need to be held accountable for it. File a police report and then a small claims for damages. Don't let them get away with it.
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No fee for cashing a check
Posted by on
Rating: 1/51
BECKLEY, WEST VIRGINIA -- I went to Chase Bank to cash a check written on their bank. I had proper ID. After checking to make sure the money was in the account, the teller told me "I can cash the check for you, however, I will charge you $6.00 to cash it." I not so nicely told her I would cash it at my bank.

Does that seem fair to you, that you would write me a check and your bank would charge me to cash it? They probably are charging you to write the check, also. Needless to say I knew there were several problems that caused me to cancel my checking, my savings and my safety deposit box a few years ago. I will never do business with this bank, again.!!!!!!
     
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Anonymous on 2012-04-12:
"Does that seem fair to you"

Given that is standard practice, yes.
clutzycook on 2012-04-12:
You are not their customer. Do you not have a bank you could take it to?
FoDaddy19 on 2012-04-12:
Is your account with the bank that you are attempting to get the check cashed at? If not, then I don't see anything out of the ordinary here.
Churro on 2012-04-12:
True, the OP is not their customer. So what? Their customer is the one who presented the check to the OP in lieu of cash and the service of redeeming the check is a service being provided to the check writer and not the one cashing the check. If any fee is to be charge to redeem the check it should be paid by the one writing the check and not the one redeeming the check since the check writer is the one receiving the service from chase. How is it fair somebody should be expected to pay for somebody else's service.

If it were me I would demand that the person who wrote you the check find an alternative method of payment or compensate you for the cost of redeeming their check. Now that sounds fair to me.
Anonymous on 2012-04-12:
If you have a bank account at a different bank, why wouldn't you just use your own bank to cash the check? I don't quite understand why anyone would cash a check at the bank it was drawn on, instead of at their own bank.
Churro on 2012-04-12:
One reason is if you deposit a check that bounces you can be charged a fee.
tnchuck100 on 2012-04-12:
Churro, you hit it dead on!

Clutzy, samanthasmom: You need to read the review again. OP stated he was going to take the check to his own bank. He went to Chase to establish there were funds in the account to cover the check. He did not want to have his own bank hit him with a returned check charge.
jktshff1 on 2012-04-12:
+100 Churro
trmn8r on 2012-04-12:
"Does that seem fair to you"

Absolutely, and let me explain why. You do not have an account there. Some banks are charging *their own* customers if they need teller services, I believe. Perhaps in the form of a higher minimum balance account. Fact of the matter is, it costs money to provide that person standing there, waiting for a customer.

This practice is fairly standard. Have you checked (get it?) to see if your own bank has a fee if you were not a customer?
slimster on 2012-04-13:
Interesting review. I especially like the comments with some varying viewpoints. Though I don't appreciate posts that refer to this as a jokesite.
Anonymous on 2012-04-13:
If the bank cashed the check without charging, then they are basically providing service for free. I don't know too many businesses that operate free of charge.

I have to RESPECTFULLY disagree with Churro and his assertion that the onus should be with the customer that wrote the check. It seems to me that the OP should be charged the check cashing fee as a convenience charge. After all, they had their own bank at which to cash the check, but willingly opted to take it to the bank it was drafted from.

TNChuck100> The OP wouldn't have been hit with a returned check charge at their own bank if they simply asked if it could be cashed, then deposited. If there were insufficient funds, the OP's bank would have informed them they weren't able to cash it, and simply handed the check back.

Onion Balls> There is a right way to disagree with the OP and fellow members, and there is a wrong way. As others have suggested, you might consider offering helpful or insightful advice, as opposed to blatant insults and barbs. Just a suggestion.
Churro on 2012-04-13:
"The OP wouldn't have been hit with a returned check charge at their own bank if they simply asked if it could be cashed"

That's not true.
Anonymous on 2012-04-13:
It is at my bank...er...uh...credit union.
jktshff1 on 2012-04-13:
big difference between banks and credit unions
jktshff1 on 2012-04-13:
good job addy, on the ball this morning!
Anonymous on 2012-04-13:
Jktshff1> Too bad it took me several years to figure that out.
trmn8r on 2012-04-13:
Most excellent comment, DIRM: "It seems to me that the OP should be charged the check cashing fee as a convenience charge. After all, they had their own bank at which to cash the check, but willingly opted to take it to the bank it was drafted from." If I could vote yours "Helpful advice" 241 times I would.
Churro on 2012-04-13:
Well the next time somebody writes me a check from chase I'm going to require them to add an additional six dollars to the amount in order to cover handling charges.
oldisgood on 2012-04-13:
You might also consider not accepting the check from whomever and just ask for cash. Problem solved.
Churro on 2012-04-13:
Good point oldisgood. Sure it would be inconvenient for the check writer but hey they chose to do business with a bank like chase. Not my problem.
Anonymous on 2012-04-13:
I think I've wrote maybe 3 or 4 checks in my lifetime. I stopped altogether about 15-yrs ago.
Slimjim on 2012-04-13:
There was a time a bank would cash their own issued checks for non customers. We all know they now are being regulated differently regarding fees no longer allowed to be imposed, plus a horrific economy which killed all sub prime, and even loans/lines to average credit scores. They are looking for alternate ways to generate revenue. One easy way that won't alienate their customers, is to charge for services to non customers. When the day is done, it's very easy to argue lending institutions are not obligated to offer anything to people who don't do business with them, for free. It's still cheaper than a check cashing store.
Churro on 2012-04-13:
Again the redemption of a check is a service provided to the check writer not the check casher. Crazy world.
Slimjim on 2012-04-13:
One could counter argue the redemption of any service is for those who pay for such. Hence why Check Cashing Stores exist
Anonymous on 2012-04-13:
The local check cashing business doesn't charge for any amount under $100. They must make their buck from somewhere else. Maybe an insider can shed some light.
skelly39 on 2012-04-13:
I'm with Churro. Being charged to cash a check at the bank at which the check was drawn on has to be the stupidest excuse for money grabbing I have ever heard. They have to cash it anyway even if the OP takes it to their own bank and deposits it or cashes it. And if they cash the check at their own bank and the check is no good, well, guess what? The OP's account is raided for that cash PLUS a return deposit fee which can range from $3 to $7. Chase, on the other hand, can cash the check and put an immediate hold on the funds in their customer's account. I am really trying to understand the rationale of those who believe that the bank is entitled to take $6 just because. And that's really all it is. There is no excuse.
DebtorBasher on 2012-04-13:
Never, EVER deal with anything that has the name 'Chase' on it! Just run from them, run far, far away and never look back!
trmn8r on 2012-04-13:
My rationale was clearly stated. I don't know how to make you understand my point of view further. If you could cash the check without human intervention, I would agree with your point of view. But there isn't a way to do that.

How much do you think it costs the bank per hour to provide tellers to sit there and wait for a customer to walk through the door? And is that traffic increasing or descreasing as the years go by?
Cwazychicken on 2012-04-13:
I agree with deb. Chase is AWFUL.....
trmn8r on 2012-04-13:
Chase is a big bank. Lots of baggage with that - look at BoA. I use Chase for my CC's, and love them. I don't think I would feel the same about having a checking account there.
Churro on 2012-04-13:
The OP isn't a Chase customer so why in the world would the OP give a ratz azz about how much Chase spends on anything. The only involvement the OP has with Chase is foolishly accepting a check from a Chase customer that's effective value is less than what was represented by the check writer.

The service being provided is for the benefit of the check writer yet chase expects the check casher to pay for that service. Simply insane.
Paulaszone on 2013-02-03:
I just got nailed with a $20 returned- check fee when I deposited a $50 check at MY CREDIT UNION! A copy of the bounced check was sent to me in the mail stating that the account was closed and there were charging ME!! for someone else's bad check. After further inquiry, I found out that for instance
Mariel on 2013-06-14:
It really is obnoxious. A bank note or check that comes from a specific bank ought to be as good as cash at that bank. As to why the OP didn't use his own bank, it's quite possible that he can't. If he is staying in an area where his bank has no branches or ATMs, he is SOL until he can get back home.

At least that's the situation I'm in. I've got a piece of paper that's supposed to be worth the amount of money I am owed, and the very bank it comes from wants to take part of my money just for the onerous service of handing me what is already mine. I'd rather do without the money until I can deposit it without getting screwed. What a scam!
Former JPMC Employee on 2013-06-27:
Chase in NY/NJ metro area charges $8 to cash checks. I worked there and received a paper check from my flex spending reimbursement account and because I didn't bank with them I was charged an $8 fee.
take22 on 2013-07-20:
One word....risk. when a non customer cashes a check at the bank on which the check is drawn the bank assumes all risk. There is no recourse(ability to recover funds if check is found to be fraud).

Verifying funds is only a very small portion of the service rendered.
Just because you waltz in with a check drawn off John Smith's account, does it mean that John Smith wrote the check. The check could be stolen, the check could be altered but ultimately it could be a fake check (extremely easy to make, hundreds of independent companies make checks).

The trend I find is folks forget the fact that not everyone is being honest and not every piece of paper that bears a banks name is actually a legitimate check. The only way for an institution to combat this is either establish recourse(I.e. the account at your own bank) or charge a flat fee across the board.


obviously a profit is still made but a different angle nonetheless
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Discrimination
Posted by on
I was on my way home driving down fort street and seen a Chase Bank on the corner of Fort street and Williamburg, and decided to go in and get my check wrong decision. It was about four thirty pm, July 15/2011 I was feeling pretty good until I walk in that bank I was the only one in line, I waited at lease ten minutes I was beginning to feel real bad because I did not no why they had me waiting so long. Here comes the horse remind you only thing I wanted was my check to be cash then come a female out of a office she said sir what can I help you with and I said I would like to get my check cashed. Then she said come over here and have a seat and told that same teller that would not wait on me to go and cash my check. Mean time I was sitting down talking to the female that came out the office she started checking my history pull up an old job I worked for in 2009 and ask me about that job. Remind you I have an account with chase I have been cashing checks for years no one have ever took me and sit me down looked up my history just to cash a check. Then I said to her I was felling pretty bad because I have never went through all of this interrogation to cash a check. Then when she recognise that I knew what was going on she started talking real fast nervous like, all all come on if you want to go back in line come on. Then when I got back in line the teller had my cash and push it to me both teller gave me a real strange look like I did not belong in there.

I will never ever ever go back in that bank again if I knew that all of chase branches felt like Williamburg I would remove my account quick and let every body know that they discriminate against black. After that incident it took me a few hour to pull myself back up I would like to here what they have to say for themselves god don't like ugly.










     
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shayen on 2011-07-15:
Having worked worked for 3 different banks, I'm trying to understand why they would ask you about a job from 2+ plus years ago. What exactly was the question or questions, pertaining to this job?
madconsumer on 2011-07-15:
this is very strange. since you do have an account there, you have every right to be offended.

are you able to cash your checks at walmart? they charge a fee, and as long as they are not hand written, they will do it no questions asked.

review very helpful!!
Anonymous on 2011-07-15:
Why in the world would they question your work history? You should send this to Chase customer service so they are aware. Maybe they can explain why you were asked about a past job.
Check Please! on 2011-07-16:
Did you have direct deposit for your 2009 job? Were they asking if you wanted direct deposit like you had for your last job. Was it a payroll check you wanted to cash? Could be they were looking out for you.
jktshff1 on 2011-07-16:
While I do understand your problem, and it does seem odd, out of a population of 6,000 there are fewer than 50 blacks from the info I can find. If they were not familiar with you, they could possibly be verifying you were who you said, due to the number of fraud going on nowadays. When the person realized you were who you said, they immediately cashed your check. However, this particular branch employees seem to need some refresher courses in customer relations.
Good review, VH
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Chase is cooking the books
Posted by on
NEW YORK -- I see that Chase is finding new and creative ways to make a buck. They are now changing the dates on which personal checks are cleared that I write to pay my bills, so that the check clears and is withdrawn from my account MAGICALLY the same day I write the check.

I wrote a check to my accountant on April 11th, and I went to my accountant to do my taxes of course last minute, and it was in the evening that I wrote it..around 8pm...so then I see my bank statement and see that chase said the check was cleared on the 11th also, which is conveniently before my cash deposit cleared which would of more than double covered the check amount. So they decided to change the date so that a personal check clears in minutes after I write it to the accountant, in fact my accountant hadn't even deposited it yet and the check in thin air cleared. So they get to charge overdraft fees. It should have taken about 3 days for that to have withdrawn from my account.

It makes me pretty nervous that I have a bank that manipulates the dates so stupidly to make some extra money. I'm going to a branch, raising hell, getting my money back, withdrawing ALL OF MY MONEY, and I'm writing money orders for all of my bills from now on.

I hope Chase crashes and burns for its mortgage fraud, bank scams, etc.

     
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idontthinkso on 2011-04-30:
If this is true, you have proof positive of fraud. Pursue it.
Venice09 on 2011-04-30:
You shouldn't write a check unless you have the money in your account to cover it. That way, you will never be overdrawn or have to pay overdraft fees.
tnchuck100 on 2011-04-30:
There are those who will condemn you for writing a check before the deposit was cleared.

But I can see what you are stating is very clear what is taking place. The account should NOT be debited until the check is actually presented to the bank. NOT retroactively processed against a balance that may have been present on the date shown on the check.

If you post-date a check the bank will honor it without regard to that date. I agree with you 100% Chase is using creative accounting to fleece funds from you.

Good move, closing your accounts.
Venice09 on 2011-04-30:
Wouldn't it just be easier to make sure the money is in the account before writing a check?

I'm not defending the banks. I don't like their tactics either. But what happened to the days when people didn't write checks unless the money was there to cover them? What if all the banks start doing this? You can't keep closing your accounts. Knowing that banks will do anything to collect a fee, why give them a loophole? Why not just play it safe?
madconsumer on 2011-04-30:
you wrote the check "before" the cash deposit was cleared. where is the issue?

with the electronic clearing of checks, they are becoming faster and faster to be withdrawn from the account. there is no evidence the accountant did anything wrong.
Venice09 on 2011-04-30:
The OP is complaining about Chase, not the accountant.
tnchuck100 on 2011-04-30:
madC, why are you totally ignoring what Chase did in this case?
yoke on 2011-04-30:
What does the back of the check state as the day the check was deposited by your accountant? If it is after the 11th Chase can not back date the check and it needs to be reported. When was the cash deposit made?
Venice09 on 2011-04-30:
Yoke, I think the bank used the date the check was written instead of the day it was deposited. I think the OP is saying Chase did that deliberately before the deposit cleared. I have to say, that's a new one on me. I never heard of that before.
trmn8r on 2011-04-30:
Sounds to me like the accountant processes checks using remote deposit, within the CHECK21 law. Anyone can scan a check and turn it into an electronic check, eliminating the need to send or deliver the paper check to the bank.

You should never present a check without having cleared funds in your account to cover it. This is a guideline that will prevent you from ever being concerned about an overdraft.

Much as Chase-haters would love to pounce on the thought, I think it is highly unlikely that Chase is dating a transaction to a date prior to when it was was actually processed.
Venice09 on 2011-04-30:
That makes sense, trmn. I didn't know about CHECK21. Another reason to always make sure the money is there before writing a check.
yoke on 2011-04-30:
Agree Venice, I did not think it was possible for a bank to be able to do that. How can they clear a check that has not been deposited. The OP may want to check with his accountant to see if he deposited the check using remote deposit.
trmn8r on 2011-04-30:
Check21 came in with little fanfare. I became aware of it when one of my checks cleared the same day I handed it to someone at a business.

It made me realize I really had to be careful about having the funds in my account before I presented a check. I've asked a couple of places if they participated in Check21 before giving them a check, if I was cutting it close. Neither did.
Anonymous on 2011-04-30:
"....in fact my accountant hadn't even deposited it yet and the check in thin air cleared."

How is that possible? How would Chase know how much you had written the check for if the accountant hadn't even deposited it yet? That's not possible.

Rule of thumb I learned from my parents...when you write a check and put a date on the top of it, if the money is not in your account to cover it, put the pen down.
unhappy999 on 2011-04-30:
The days of a check taking 3 days to clear the bank are gone. We are in the electronic age. It sounds like to me the accountant had a machine which electronically processed the check that night. Chase did nothing wrong. Don't write anymore checks unless the money is there.
Anonymous on 2011-04-30:
It's not Chase that's cooking the books here. When you write a check before the money is in the account, that is check fraud.
old fart on 2011-04-30:
Can't you now process a check using your cell phone?
Maybe that's what your accountant did...
Venice09 on 2011-04-30:
When I first read this review, it didn't make any sense to me. I thought the same way you did, just. But now that I've learned about Check21 and other ways of electronically processing a check, it makes perfect sense. This review and the comments turned out to be very helpful to me. I don't write checks other than the ones that get mailed, but I will definitely keep this in mind just in case.
drugdoc121 on 2011-04-30:
@ throwback...agreed
CrazyRedHead on 2011-05-01:
I agree with Trmn on this one. I seriously doubt that any fraud occurred here.
oldisgood on 2011-05-01:
I am not understanding how a check can clear before it was deposited? Please make this more clear.
trmn8r on 2011-05-01:
The check was not deposited, oldisgood. The OP made a cash deposit and they presented a check to their accountant. The check cleared before the cash deposit.
oldisgood on 2011-05-02:
Thanks trmn8r. I must be getting old, but I still do not understand.
1. Made a cash deposit on the 11th (obviously during banking hours).
#2. Paid the accountant by check sometime after 8PM on the 11th.
#3 Claims the check cleared on the 11th before the cash deposit went in.
#4. How did the accountant manage to get the check into the system after closing hours. Also, any transactions after bank cut off time are moved to the next day. Cut off time is usually 3-4P (depending on the bank) so the check could not have possibly cleared until the night of the 12th. Something is so missing in this story and I don't think it is anything the bank is doing. Someone truly does not understand how a checking account works and is blaming it on the bank.
What I truly do not understand is how the check cleared BEFORE it was deposited!!!!
trmn8r on 2011-05-02:
I'm reading between the lines best I can, and posted my opinion above. It is about in the middle of the comments. I believe the check was made into an image and submitted electronically.
oldisgood on 2011-05-03:
OK, if posted electronically, does it clear immediately? That does make sense, though,if that is how it works. Too much technology going on nowadays for me.
trmn8r on 2011-05-03:
It clears the same day. I don't know if it is immediate.

The bottom line, as it has always been, is don't present a debit (check, etc) if you don't have cleared funds to cover it. If you follow that rule, you'll never have an issue. The 1 or 2 day buffer you previously had is eliminated with Check21.
momsey on 2011-05-03:
This is one bank review where I'm definitely on the side of the customer. If I hand someone a check at 8 pm, there is clearly no way for that person to present the check at the bank to be cashed. I would feel very comfortable writing a check in that situation if the money backing it was not going to be available until the next morning, and not feel like I was floating anything. Chase is definitely being shady here.
Anonymous on 2011-05-03:
I agree, momsey. What gets me is the OP's statement that the accountant hadn't deposited the check yet...in this situation Check 21 doesn't come into play. The cash deposit was made during the day (business hours), there's no reason to hold a cash deposit...the check was given to the accountant around 8pm...there's no logical reason that can be presented that supports the check going through before the cash deposit. There are a lot of "iffy" scenarios, but not this one. Chase pulled a shady, end of story.
Venice09 on 2011-05-03:
A combination of today's technology and the knowledge that banks will use every tactic and loophole imaginable to charge fees, should cause people to be sure cleared funds are in their account before writing a check. The only time I ever floated a check was through the mail, but I never handed anyone a check without being certain the funds were in my account. And that was long before banks started jerking people around. I would definitely not do it now, and certainly not after finding out about Check21.
yoke on 2011-05-05:
Is it possible the accountant was able to get to the OP's bank and cash the check before closing? I know some banks are open until 9 on certain nights? Still makes no sense as to why the cash deposit was not credited, UNLESS the deposit was made the next day.
Venice09 on 2011-05-05:
I just read the review again, and it doesn't say when the cash deposit was made. You could be right, yoke.
yoke on 2011-05-05:
venice, I am trying to give the OP the benefit of the doubt, but since we do not know when the cash was deposited it is hard to understand.
trmn8r on 2011-05-05:
It isn't clear at all that Chase could ever be caught red-handed doing this. You know, by presenting the receipt to authorities that the merchant gave you when you handed them the check?

There is obviously more to this story. I believe that if Chase were doing what the OP alleges, someone would be fined heavily or put in jail.
trmn8r on 2011-05-05:
I just spent 5 minutes on the phone with my bank (not Chase). I got a very clear description of how items are processed throughout the day (at *my* bank - they are not all the same). If the OP could call Chase and get a similar person, they could get to the bottom of their issue quickly.

Based on my thin details, the representative I spoke with said that routinely at my bank what appears to have happened to the OP would not happen. HOWEVER, they also said that if there is a glitch or error in the system (including outside agencies like the Federal Reserve), and the usual order of things is disturbed, it could very well happen.

The bottom line she agreed with me on is that to prevent things like this happening, the old policy of having cleared funds available whenever you present a debit is the best policy.

We don't know if the OP made this deposit by ATM. At my bank, I get a courtesy credit of a few hundred dollars, and at the end of the day the full amount is credited.
Venice09 on 2011-05-05:
Good investigative work, trmn. I hope the OP sees this and calls Chase.
FlShopper on 2011-05-05:
Did the OP make a cash deposit via the bank's ATM? If so, it may not have posted the same day. Chase does not credit cash deposits via ATM right away.
It wouldn't surprise me if Chase was in fact doing something to cheat its own customer; I closed my checking account with them not long after they took over WAMU. I hate Chase.
someonenew87 on 2011-07-13:
just as an fyi to everyone I do work for chase... we do not hold cash deposits unless she deposited a check into the acct and is stating that it is a cash deposit. also cut off times for deposits are typically 5pm but transaction cutoffs are before the bank processes and most banks process between midnight and 7am so they would have to submit the transaction before then and secondly if they deposited the check electronically it can go through the same business day. I always tell everyone do not write a check you cannot afford because it can go through the same day and that's not the on the bank its on the person who wrote the check
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Chase Hates International Customers
Posted by on
Don't bank w/ Chase and have the audacity to also own a passport. I've been traveling w/ my wife and baby internationally. Three weeks ago my debit card was lost/stolen. I immediately requested an emergency replacement debit card. Since I was international Chase forced me to provide an address of someone else in the U.S. who then had to rush it to me. My family and the contact waited for a week... no card. I called one week later on Saturday and Chase told me that the representative never entered the order and although I impressed upon the representative that it was an emergency and that my family had no cash and a baby (rationing milk, diapers). I placed another order. I called back Monday to make sure the order was entered. It was not! Buffoonery. Finally on Thursday the U.S. contact received the card and I received it in the foreign country the following Tuesday. Relief? No, and why? The genius customer service representatives at Chase decided to send me a new card, not a replacement card, so the PIN was changed and sent to the address on file because since I'm traveling internationally of course I will have access to this PIN. Over 5 new debit cards in 10 years I haven't had a to walk into a Chase branch to change my PIN number since the 1990s. So now it's week 3, and I STILL don't have access to cash in my account. I have no idea what we're going to do for cash and at this point I might have to resort to illegal means to survive. Banks are supposed to simply hold your cash, not hold it hostage.

This has been a complete nightmare for me, my wife, and son where so much of the world still operates on cash including cabs, buses, food establishments, etc. We've suffered horribly at this point physically (I'm not eating, walking everywhere) and mentally because of Chase's poor customer service.

I've spent hours on the phone w/ Chase and although they have offices here they cannot help a retail client of 10+ years. I'm definitely moving from Chase and switching to a true international bank which Chase is not, it's a phony. I plan to sue for emotional stress, psychological trauma, and withholding of customer service to a client in an emergency situation. I would recommend that no one patronage Chase due to its poor retail customer service. Big banks are bad for customer service and Chase is a living example of that. Please don't disregard this story as this can happen to you and your family too especially if you have a passport. Chase is only a U.S. bank.
     
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dan gordon on 2011-04-06:
I'm sorry this happened but I'm sure there is a lot of crime and illegal use of cards and pin #'s. I'm with Chase and leaving for South America tomorrow. I spoke with chase, but also carrying two other credit cards so I won't be stuck if something like that happens. I don't understand how you can be such a world traveler and yet not have access to a credit card that would have solved the problem till your new debit card arrived?
leet60 on 2011-04-06:
Could you not use the card as credit?
getoverit on 2011-04-06:
In my experience, when you lose a card (I don't use a debit card, only an ATM card and credit cards) the bank completely cancels out the old one and issues a new one. So what Chase did seems pretty much like SOP.

It seems as if you should be able to get someone in the states to wire you some money, or something. While I can understand that you are unhappy with Chase, it doesn't seem fair to blame them for the fact that you have no cash at this point in time. I'm no attorney but I don't see much promise in a lawsuit.

Traveling internationally with only one means of payment seems a bit risky in the first place.
Cwazychicken on 2011-04-06:
I'm with getover it, have someone wire you the money and just pay them back when you get back to the states. No need to do something illegal. Do you still have your wallet/id? Shame you don't have a kind of backup plan. I don't blame you for being stressed. I am sure theres someone that would help your child as well...I doubt this has anything to do with you being an international traveler. Banks do that for protection against theft.
trmn8r on 2011-04-06:
I am sorry for what happened to you, but losing a debit card is disruptive under the best circumstances. When I first set up an account at my new bank, there was a snafu with my debit card, and they had to reset the PIN and send the new one via snail mail.

My takeaway from this is not to not use Chase, but to make sure that I have a backup source of cash when I travel internationally, in case my card is lost or stolen. Good luck.
Cwazychicken on 2011-04-06:
If you got a new card, you should get the pin a few days later.....Or there should be a number on the card to call and create a new pin. So if you did get it, why not try to activate it..even if it is long distance, its worth a shot.
olie on 2011-04-07:
Sounds to me that Chase was being very, very careful about protecting your money. I'd bet there are a number of coworkers, friends, and relatives--not to mention FaceBook friends--who know of your plans. Any one of them could decide to try to impersonate you and claim to have lost your card.

If that person were successful, you'd be writing a much different letter.

Can't you get one of your coworkers, relatives, or FB friends to wire you some money? Then work this out with Chase when you arrive home.
ellaella on 2011-04-12:
Hmm, I really don't think you're going to find an attorney to take your case or a judge that would even listen to it. I implore you to get a free consultation with an attorney before you try to go forward with the case you believe you have.

Please don't take that to mean I'm unsympathetic. Their customer service reps didn't do their jobs and I definitely think you should file a Better Business Bureau complaint against them. Other than that though, I don't know what else you can do.

Just a thought - my primary bank has a website and a toll-free number which both allow me to set my own pin number for my cards. I've never EVER had a bank select a pin for me and mail it to my address. When I activate the card, I choose the pin number I want. I can also change it at any time by calling the automated system (the number is on the back of the card) or by going online to my account. You should probably check online to make sure Chase doesn't have a website for account holders. You may be able to change your pin # from there.
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