Chase Manhattan Bank Complaint - Do not trust this bank!!!
MUNCIE, INDIANA -- Chase Bank is the worst bank I have ever been to in my life. I have never had problems like I did with them. I went to open an account on my 18th birthday in May and applied for a credit card for overdraft protection.
I didn't plan on using the card but my cat sick and the vet bills needed to be paid. When I applied for the card I was told the introductory interest rate was 0% for the first 12 billing cycles on all purchases. I even have this in writing.
Well, when my first bill came the interest rate was at 24%. I called to find out what the deal was and the customer service rep. told me that they would NEVER offer an introductory rate of 0% and that they always go by your credit score.
As if 24% isn't bad enough, I received a letter earlier this month stating that my interest rate would go up to 32.24%. Luckily, I had the option of writing a letter and opting out. But I'm sure when the time comes they'll say the never received my letter.
There was one time that I tried to pay my credit card bill over the phone the day before it was due but I was told it wouldn't go through anyway because their computer system was down. I was slapped with a $32 late fee the next day because of that. I went ahead and paid the $32 fee plus my minimum payment anyways. Well, the next month's bill came and they wanted me to pay the $32 late fee again! I disputed this with 3 different sales rep.s and 2 supervisors before someone finally understood that I had already paid it and took the charge off!
This company does not value your business at all! I even called and talked to a supervisor about transferring my account to another card if I could not get my interest rate down. His exact words were, "Well, they can call us and get it transferred over if that's what you want to do. I can't help you."
Besides the credit card situation, the actual banking is horrible as well! My mom went to close her account with Chase after multiple problems. Well, there was one check that had not cleared, so she left just enough money in her account to cover it and took the rest out. A couple days later her account showed a $64 fee. I called to find out why and there were two checks that had come in and bounced because there was not enough money in her account. If two checks hadn't cleared then why did this guy let us take all the money out? They have no freaking clue what they're doing!
I quit using my account a couple months ago but couldn't close it because you have to have your account open at least 90 days before closing it. I still tried to cash my checks there and was told they would not cash anything for me unless I had a certain amount of money in my account..ridiculous!
I will never deal with Chase again!!