JPMorgan Chase Bank Complaint - They canceled my debit card on 3 day weekend- no access to MY MONEY.
When I opened my account, I refused the overdraft coverage- to avoid unnecessary fees. But when I linked my Paypal account to my chase checking, the fees still generated (because it was done with account number, rather than debit card number).
So I ended ended up 150ish overdrawn, most of which being overdraft charges. That was my fault.
From that point, I went into the local branch, explained the situation, and setup my new job to direct deposit- directly into my account, so that it would be cleared up ASAP. I also spoke with their telephone agents, and also explained everything. I told the phone agent that it would FOR SURE be handled by the 17th. She stated that wasn't a problem, and that she would give till the 21st, just in case.
So payday comes along, gets direct-deposited, and when I try to withdraw some money - no access.
Call the phone service, get put on hold - then a recording that my call didn't go through.
Try the online service - not valid
call the phone service again, and it goes into an endless loop of entering account and password.
I've dealt with poorly configured automated systems before, so I was able to hack my way through to a human. Who was help-less.
So, spoke with a supervisor, who tells me that the local branch de-activated my card, and she could send me a new one.
NOW KEEP IN MIND, IT IS SATURDAY NIGHT - THREE DAY WEEKEND, and I NEED to be AT work before 7am on MONDAY morning. The local branch won't open till 8 or 9 on TUESDAY.
Supervisor statede that it was policy to inactivate debit cards, when an account is overdrawn (total BS). So I stated that I'd look it up then call back- then asked if I'd still be able to get through - was told YES 24/7.
The only policy they have is that they may cancel a card at any time without any notice.
Tried to call back, and upon entering my info- auto-disconnected tried again, same thing. again, same thing. again same thing.
So I hacked back through to humans, and was told theat my info can't be accessed.
Stated that I wanted to talk to the same supervisor (R. V.). was then told that she was on another line, and that if I left my number she would call me right back.
My number was confirmed by the online agent, and never got a return call from the supervisor (R. V.)
Because I'm now going to request their "emergency services", that is listed in their policies.
I assume the service is similar to what BofA did for me when I Was working in a state without any BofA's and lost my bank card. They Western Unioned me some of my money.
99.999999% chance that CHASE WILL NOT.
They do not seem to care about the fact that I will loose my job, if I am unable to get to work. And that without access to my money, it's gonna happen. 78 miles is just too far of a walk.
I WILL be closing my account, as soon as I'm able to cool down enough, to not get arrested, when I go in there.