Chase Manhattan Bank Complaint - I Will Be Closing My Chase Account
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.