JP Morgan Chase Informative - I despise CHASE! Why pay for Identity Theft Protection if they do not make good on the claims????
Once again here I am fighting with Chase over my money. I will say that with in the last 2 1/2-3 months someone has found away to withdraw all of the money out of my account I would say every other pay check. Now prior to me writing this I have had to open 2 claims with the disputes department regarding my funds being stolen from my account. Now I must admit that I am a very inquisitive person and like most people in Michigan I cannot afford to miss a pay check. I wish I could afford it but, I cannot. I repeatedly asked Chase Telephone Bankers how is this possible? How can someone withdraw money from my acct through an ATM without my debit card being present? Might I remind you that the last time this happened I had my debit card in my possession! I always get the same responses...someone must know your pin , someone must have taken your card or I don't know. Chase advised me that they would investigate the issue and send me a letter disclosing their findings within 30 days. 30 days past and this letter never came. I even called Chase back to inquire as to what happened with this investigation. I never received any response.....just a lot of I don't knows and promises to be contacted via mail or phone which never came. Now the previous two times that this has happened Chase did refund my money. But, to me that was not good enough. I am a person that is all about PREVENTION and I didn't want this to happen to me again. With that being said the 2nd time that all of the funds were withdrawn from my acct I requested to have my acct changed. (which sounds like should be procedure for an issue like this...surprisingly it's not all they do is send out new atm cards) I was told that I would have to go into a Chase Branch to have a new acct put into effect. I was inconvenienced ONCE AGAIN and spent my whole lunch break at a Chase Branch trying to get a new acct where I was met with EVERY EXCUSE in the book as to why I should NOT change my acct . I was told that my account wasn't the issue and that in fact it was my debit card that was used in these transactions and changing the acct wouldn't be useful. I still pressed the issue to have the acct changed and that was when I was told that if I changed my acct it would screw up my direct deposit and Chase wouldn't have an acct to deposit my credits into. With that being said I was convinced to leave the acct the same and assured that since I changed my pin this wouldn't happen again. BUT, persistant me didn't stop there. I even took it upon myself to call Chase yet again and request some form of Identy Theft Protection. ( I wasn't offered this as some form of protocol to victims of fraud or Identity theft...although you would think that they would offer you this protection being that this has happened to a customer of theirs) The young lady informed me that the protection was $11.99. I advised her that being that this was (at that time) the 2nd time this had happened I should receive a few months of this protection for free as a courtesy to me. She told me that she wouldn't be able to honor my request and I took it upon myself to pay for this EXTRA protection to PREVENT any other mishaps in the future.
Well guess what? 2 weeks ago my brother died in a tragic car crash. And with that being said I have been going through a great deal of things with my family. I tried to go to a store to pick up a few items and called to see how much my check was(this was on a Sunday) and guess what? I only had $100 in my acct although I had just gotten paid on Friday!!!! I spoke with a telephone banker who advised me that there was a deposit of $700 pending on my acct! I immediately told her that that was incorrect and to close my acct down and cancel my debit card(which I had) immediately. Spoke with someone Monday to open another claim and they told me I had $400 in my acct. I went to the bank to withdraw the little bit of money I had left to only arrive and find out that my acct was then overdrawn $293!!!!! I bet you are wondering what happened to the $700 deposit? Well come to find out they deposited an empty envelope into the ATM and then withdrew all of my money + the (fake) $700! And you guessed it! CHASE isn't going to give me a DIME of my money back!
Now what I would like to know is.....how is that when I deposit a check into the atm that is over $500 my check is held an add'l 24-48 hrs for the check to clear the bank and on the receipt it will say...$1,000.00 is your balance $200 is your available balance(ready for use until that check fully posts to the acct) BUT, these CRIMINALS can make a deposit and before it posts withdraw all of the funds? How is it that I have a spending limit on my acct of $500 per day and $500 of withdrawals throught the atm on the weekend BUT, these people withdrew about $1500.00 over the weekend? I would like to know why wasn't I notified of these suspicious transactions on my acct being that I AM PAYING $11.99 for IDENTITY THEFT PROTECTION! Chase is a JOKE! I cannot believe that this has happened to me. I even went as far as to go and file a police report, request that footage be taken from these cameras to prove that it was not me! Chase did pull the tapes and determine that it wasn't me making the withdrawals but, they told me that the person had on a hat so they didn't get a good shot of his face! HELLO, since when does a criminal show his face at an atm that he knows has video surveillance????? Either way what does that have to do with me???? I have been getting the run around now for 2 weeks. Dealing with the death of my brother I haven't been working so, the 3 days of bereavment pay that I did get from my employer is going to be direct deposited into that acct on Friday and you guessed it! Chase is going to keep it all in fees due to the fact that my acct is overdrawn $293.00!
Take it from me DO NOT, I repeat DO NOT bank with Chase...it's not worth the hassle, the headache, the money or your sanity