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J P Morgan Chase Online Banking Complaint - Online payment sent 4 times resulting in account overdrawn, no money available to me - Online bill pay
Online bill pay - Complaint
GARDEN GROVE, CALIFORNIA -- I recently began using Chase online banking to pay bills and on Aug. 12 I set up an automatic payment to my Chase credit card for the following day,(Friday the 13th). When I went to the bank to withdraw money from my account there was no money and I was overdrawn by over one thousand dollars!
My paycheck had just been deposited, and there was no way I should have been overdrawn. I checked my account online and discovered that my payment for 540.00 had been sent 4 times, a total of 2160.00 had been withdrawn and sent as payment to my credit card, causing my account to be overdrawn. I immediately called my bank, they said to call the credit card company that the payment had been sent to. I was on the phone for over an hour, the credit card company said there was nothing they could do because the payment(s) were being processed, the bank told me there was nothing they could do either. I went to the bank on Saturday, and they told me there was nothing they could do, they were sorry, but it was up to the credit card company to reverse the payments and that it would take up to 5 days, (2-3 working days, and it was now Saturday).
I currently have no access to any funds because of the overdraft on my account, the payment to the credit card is not accessible to me because it is an overdraft protection account in which I do not have a card for.
It is my daughter's birthday, I have no gas in my vehicle, no food and the bank is offering no help, and no explanation for the error that THEIR ONLINE BANKING CAUSED!! DO NOT USE CHASE ONLINE BANKING!!
They told me they would try to reverse the charges for the overdrafts, but could not guarantee it.
UNBELIEVABLE!!! ON MONDAY I WILL BE SWITCHING BANKS.
My paycheck had just been deposited, and there was no way I should have been overdrawn. I checked my account online and discovered that my payment for 540.00 had been sent 4 times, a total of 2160.00 had been withdrawn and sent as payment to my credit card, causing my account to be overdrawn. I immediately called my bank, they said to call the credit card company that the payment had been sent to. I was on the phone for over an hour, the credit card company said there was nothing they could do because the payment(s) were being processed, the bank told me there was nothing they could do either. I went to the bank on Saturday, and they told me there was nothing they could do, they were sorry, but it was up to the credit card company to reverse the payments and that it would take up to 5 days, (2-3 working days, and it was now Saturday).
I currently have no access to any funds because of the overdraft on my account, the payment to the credit card is not accessible to me because it is an overdraft protection account in which I do not have a card for.
It is my daughter's birthday, I have no gas in my vehicle, no food and the bank is offering no help, and no explanation for the error that THEIR ONLINE BANKING CAUSED!! DO NOT USE CHASE ONLINE BANKING!!
They told me they would try to reverse the charges for the overdrafts, but could not guarantee it.
UNBELIEVABLE!!! ON MONDAY I WILL BE SWITCHING BANKS.
Comments:
Posted by Skye on 2010-08-14:
Wow, that's a big mess for you. You are definately doing the right thing, by switching banks on Monday morning.
Posted by Helpful on 2010-08-15:
The review never did state clearly whether the overpayment was the fault of the bank or the OP, by possibly incorrectly setting up the autopayment option.
Posted by grandma005 on 2010-08-15:
That is why you should not set up auto payments. I canceled my bill payment with Chase because they would take the payment out of the wrong checking account which caused overdraft fees. Try Bank of America they have a really good system. Never had any trouble with them.
Posted by oldisgood on 2010-08-15:
I have used Chase's bill pay for over 5 years and have never had a problem. I guess I am just lucky. I think Chases' system is great and rely on it totally.
Posted by grandma005 on 2010-08-15:
Do you have two checking accounts with Chase? They will make payment from the one that you have little money in and overdraft you.
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