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Jpmorgan Chase Bank Complaint - They canceled my debit card on 3 day weekend- no access to MY MONEY. - Checking Account
Checking Account - Complaint
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.
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.
Comments:
Posted by trmn8r on 2011-01-16:
Things happen in life. Banks are not open 24/7. It appears it was your negligence in the first place that led to this disruption. Maybe you can borrow some money to make it through an extra day or two. Good luck.
Posted by krowl on 2011-04-22:
Wow, you shouldn't have to go through all that to access your own money. What if you needed to buy food or medicine or had an emergency, it could have been a lot worse due to their business practices.
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