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Horrible, Stressful, Downright Ridiculous
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I started with not so good credit with Chase, and had no problems. I have been late, and I own that, however, I decided to take my credit more serious than ever and that's when I realized they were the wrong ones. I called in to make a payment with a representative who couldn't stop talking about her cats and dogs, though she was friendly, she was not listening as I stated to her to post a payment with account 1 (I had 2 checkings on file). It wasn't until I noticed the amount had never come out, but each time that I called, they said the payment had been received.

2 months later, I receive a statement from my bank showing an NSF fee to account 2, that had been closed for approx one month. I contacted Chase and they still claimed that I was current. By now, I had made 2 other payments. The following month I notice my scores drop, and the reason was for late payment in January. I contact Chase, and spoke to almost everyone who worked there since none seemed to comprehend my issue, after about a weeks worth of calling, and them pulling the recorded call, they find themselves at fault, and send a check in the amount of $70 which covered the 2 pulls from that NSF account.

My issue is now, I must come up with $338 times 2 because my new payment is now due, plus I have to pay what I owed from their mistake... I am livid and argue with each representative demanding they listen to all the calls made regarding this, and give me time to catch up and without any hesitation I was blamed for not ''checking my account'' and the late payment stayed on my credit. Moving forward, I have caught up and paid on time, every time, then recently my vehicle took a total loss (No Gap Insurance) with a balance of 7,500 to pay off on a 2012 Nissan Altima.

This is where things got so ridiculous, until I almost needed a lawyer. My insurance calls in to get pay off, they then cut a check for 4,300 whereas the rest would come out of my problem, I need to rid myself of this loan because I need a new car. These people receive the check, look at it, and lie stating it wasn't endorsed (THOUGH I SIGNED IT IN FRONT OF THE ADJUSTER) and mailed the payment back.

15 days later, after calling several times to be sure they received the overnight check so that I can pay the balance, they explain the lie to me, I have never spoken to so many people in my life than what I experienced speaking to Chase CSR's in one week. Back and forth, lies, disputes, stress, then finally they come out with their truth as being, "We thought the check was wrongfully sent to us, and requested the info from the body shop where you'll be getting repairs." WTF!!? The FREAKING CAR IS TOTAL, THERE WON'T BE REPAIRS. About 3 weeks pass, and my insurance is not wanting to cut another check until they receive the old one, so now I am dealing with once again my credit being affected because interest is accruing, and so are late fees.

2 months later, and I am still dealing with this from the time my car was totaled, they have yet to process the 2ND OVERNIGHT payment from my insurance, I have another late fee on my report, the dept agencies get tight when you request a supervisor as if they are qualified to handle this, when the supervisors show themselves unworthy. My insurance by now has contacted Chase out of frustration and concern, and now I'm working with a supervisor named Berry, Barry (something like that) who insist that when he receives the 2nd check, he will back date it to the original, wipe out all late fees and interest accrued, and contact the credit bureau to correct it.

I feel that is most unfair, while I can appreciate that being done, I don't trust them nor should I have to wait for them to fix their mistake while I'm being incriminated of my credibility. No matter how much I expressed to this supervisor that they are the reason it's prolonged and everything should be at a complete halt, he insist that he will correct it once they receive the check. YOU RECEIVED THE 1ST CHECK AND WERE TOO DUMB TO ACCEPT THE PAYMENT, why should I have to suffer and trust you to be sure my credit isn't affected by your incompetence.

I've dealt with their attitudes and frustrations with me constantly calling, as if they are at a loss, all I've tried to do for 2 freaking months was pay you off. Because of the mistakes, and them wanting to do things ''their way'' even though they screwed up I WOULD NEVER RECOMMEND THIS COMPANY... THEY ARE INCOMPETENT AND INCONSIDERATE of their clientele, and no one should have to pay for a company's mistakes.

For a Billion Dollar Company, They Can Afford Much Better Service!
StarStarEmpty StarEmpty StarEmpty StarBy -
Rating: 2/51

LOS ANGELES, CALIFORNIA -- *********************************************************************************************************************************
Published on another site:

Back on Wednesday, August 4, 2016 at approximately 5:30 p.m., I went inside of the Chase Branch located at: 3183 Wilshire Boulevard Suite #199, Los Angeles, California 90005 (213) 249-9862 to make a deposit.

Sadly, that Never Happened because the line was like a zoo with so many animals.

It was so crowded that I would have had to wait for almost one full hour to get served.

There is simply No Excuse For It, whatsoever!

They Can Afford To Hire More Tellers to take care of the What I Call It, "Customer Population".

I did complain about it and of course, Nothing Was Done about it!

In my pictures, amongst all of the others that have been taken by various customers, please find examples of exactly what kind of Service They Operate.

I am more than sure that Chase Bank can do much better than that!

Since the line up was Not Getting any better and Neither was the Service, I just left the bank and we will leave it like that.

I most likely will Not be going back to that branch anymore, but I do know that there are other branches where You do Not have to wait that long for decent, respectful, courteous help.

Thank you.

Sincerely yours,

Angry and Upset Chase Customer

Take Money and Do Not Release the Deposit
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CHICAGO, ILLINOIS -- Please Share: Chase bank steals from their own customers. For example, a check deposited on 9/30, clearing 10/2 has a 12 day hold on it. Why? In the 80s a 5 day hold was common but now 12 days is happening? What are you doing with MY money? Why don't you possess enough honor to reverse the unjustified OD fees your business has caused?

I also sent them a screenshot of the check that cashed on 10/2. Still not available on 10/4. Theft.

Transactions Constantly Declined Even Though I Have Money
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NEW YORK, NEW YORK -- I have been a Chase, personal and business customer for close to 15 years. For a majority of my time with Chase, things have gone pretty smooth. I have to say, over the last three years or so, when it comes to my business account, it has been nothing but problems and a waste of my valuable time. I own a construction company that deposits a bit over $2m per year into the account. Being that I have jobs all over the state and purchase materials across the nation, Chase is consistently denying my transaction.

Even though I have a $10k per day spending allowance, and typically have more than $100k in the account and am spending under my $10k per day limit, Chase will decline my transactions for "potential fraud." Then, I must call customer no-service, verify my account, explain the purchase and situation, wait to get transferred to the fraud department, because they cannot fix the problem themselves, verify my account again, explain the purchase and situation again and then wait for them to re-activate my card.

I would say this happens at least once per week. It may not seem like much, but 20 minutes (+/-) per phone, once per week over the year, adds up to be a lot of time literally wasted and not focusing on my company. 95% of the time, I am transferred to the fraud department, I end up speaking to a call center in the Philippines and with a no-customer service agent that barley speaks English. Let me tell you, it is always blatantly obvious that they are reading from a script and not one of these reps could care less that this is a major inconvenience. I have escalated several calls up supervisors and to be honest, they care even less than the first level no-customer service reps.

All that Chase tells me (every time) is that they are looking out for me and my money. Which I do not believe for one second, they are looking out for number one, themselves. The other solution that they consistently offer me is, “Just call us before you make a transaction and let us know the amount you are going to spend and we will make a note on the account,” ya, I have the time to do that! I am at the point where I am going to pull every penny, out of every account that I have at chase and go to a new bank. Bottom line, in my opinion, if you are looking to open a business account at Chase, look into other banks before you decide to drop your cash into a bank that you have to call and ask permission to spend your own money.

StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- First, I opened my account online, only to receive the $200 promotion (after your accunt has a direct deposit) to keep my account open for 6 months. My first check wasn't set up for a direct deposit. When I went into the branch to cash my check (which was a Wells Fargo business issued check) I was advised that Chase would have to hold my check for a few days and could only give me $100.00 until the check cleared. I asked why they couldn't contact Wells Fargo to verify if the funds were good or not. I was advised that they couldn't do that and I would just have to wait for the funds to be cleared. My wife took a picture of the check and deposited (immediately) into her Bank of Oklahoma account through a mobile deposit, without me even being on her account. Bank of Oklahoma verified the funds and released the check.
After the 20th business day of waiting, I called Chase and was advised to wait a few more days. After a few more days of waiting, I called back and was advised that I would not receive the $200 because I was supposed to receive a coupon offer, but did not receive one and that the account had been open for 21 days, so the offer was no longer valid for me. And, the previous representative did not notate that she advised me to wait a few more days for the $200 credit. I went in and spoke with a branch manager who advised me that there was no notation that the representative (I spoke with on 5/29/19) told me that I didn't need a coupon. So, basically, she called me a liar and believed her incompetent employee over me. So, the customer service experience was H-O-R-R-I-B-LE!!! Plus, they charge to speak with customer service, after so many free calls.
I am closing my account as soon as my outstanding checks clear and moving over to the Bank of Oklahoma. They don't offer the fraudulent $200 that Chase offers, but they are much more professional, give accurate information, post-credits before debits, mobile banking, better offers for monthly checking account fees, and they don't charge you to speak to customer service, and.... they allow you to deposit money in someone else's bank account. Chase will not allow anyone to even make a deposit to someone else's account, even with an account number.
This bank doesn't stand by their offers, charge for services that should be free, inconvenience customers by making them wait days to get their own money when a customer sets up an account online with Chase. Nightmare ... .

Refuses To Refund Money After Card Was Stolen.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LITTLETON, COLORADO -- My mother's wallet was stolen, and the thief went to Best Buy and bought nearly 3,000 dollars of merchandise. We went to the police and filed a claim, and the officer saw footage of the crime based on our description, but was unable to follow up because no other identity about the thief could be found. Chase refused to refund us the money, saying the card was a chip card. I did an internet search and found out that there's chip and pin fraud all over the world now, and banks don't feel entitled to return the money because they assure us these cards are safe. Apparently, and from recent experience, they are not.

I went to the Chase Bank and explained the situation, and they said our best chance was to get Best Buy to refund us. I called Chase Customer Service (Customer Claims), and wrote a letter and included the police report, and said we could try to obtain footage of someone else (the thief!) buying the merchandise at Best Buy. They said this would not help. What they needed was written proof with a time stamp that my mother was physically present someplace else.

She was at a supermarket with us, but there was no way we could get a timestamped statement from anyone (other than us!) saying she was there. Unless you are at a doctor's appointment or something like that. Chase's policies make it very hard for customers to get their money back if a chip card gets stolen and used fraudulently. By the way, on the day of the theft, I received an e-mail asking if a purchase at Best Buy was legitimate. I clicked on "no." The purchase still went through. We have been customers of Chase since 1995, but we plan to find a different bank now. Chase did not protect us in the case of a stolen card. If a chip card was fraudulently used, it does not follow that it was our fault or that we have been negligent with your pin.

StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NYC, NEW YORK -- JP Morgan Chase is the most horrific heartless bank out there. They closed my mother's account without notice and reason. She is close to 90 and a holocaust survivor. Her social security and German pension checks were returned to their respective sources causing a great deal of effort to retrieve them. All of her auto pays were bounced and it was only because she had some spare cash at home that she did not go hungry. This was done with 2 days warning and additionally her accounts were frozen. She is also legally blind.

Nazi Germany behaved much the same way. Chase is ruthless and will stay away from them for the rest of my life. Mind you my mother was an account holder with them for close to gift years. A lot of good that did. They are despicable!!!

System Mistakes, Humans No Able to Any Solution
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MIAMI, FLORIDA -- 03/24/2016. I deposited my paycheck as usually. ATM recognized 950.00, but my check was 1950.00. Two days after I Call the customer services. After 25 minutes in hold they transfer to claims department. They promised solution in 12 hours. March 29 I went to the bank on Doral. The lady said my solution is bring the screenshot from my job, my job said is restricted information. I went back to the bank, the same lady said me I has to wait April 5 to get my money.

I asked for the manager, answer was she left early. Tuesday 2 pm and supervisor promised put the note in the system. My big question. WHO WILL PAY ALL THE FEES I WILL RECEIVE FOR NONPAYMENT IN TIME
Chase Bank ATM Chase or help you customer services?

In the Business of Lies
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I applied for a Chase Auto Loan with a credit score of 760. I was approved at a very aggressive rate (3.93%), and I called Chase to give them the vehicle information before I went and purchased it - VIN number, mileage, the whole nine yards. I purchased the vehicle and was elated. Dream car, great loan rate, low monthly payments. I faxed my purchase order to Chase the following day and was DECLINED.

I inquired how I could be declined when I was already approved, and got a bogus answer about their perceived value of the vehicle being different from the price they already approved and their hands were tied. Now I have to go back to the dealer and accept a rate twice what Chase offered. Chase - do not GUARANTEE to lend if you are not going to lend. Everyone, be careful about their conditional approvals, they are liars.

Lies, Lies, and More Lies!!!
By -

I have some credit card debt just like everyone, and bills of course. One credit card is only 2.9 for the life of the loan - not bad, the rest are all 0% for the life or for 1 to 2 yrs. But I do have some balance on a couple small bills from Xmas and medical that I wanted to consolidate to one card. Why not just put all on one and be done with it. Great idea right???? I did almost miss one payment last month on one bill and let's not even go there if this does happen with a introductory rate credit card if you miss one day - the fees, your credit report. WOW, you're screwed.

Well Chase has the introductory rate of 0% for 15 months a couple weeks back online. So I went and pulled up my credit report and it was a go, should not be a problem seeing I already have one card with Chase with a small balance on it, and my credit score is over 750, so I applied. I have been doing great the last couple yrs. in getting these cards.

About 5 days later, I get a phone call from Chase at work, wanting to verify some balances I wanted to transfer - some info was missing and she need to clear it up. I ask her at this time if I did get the 15 months for 0% and she confirm that I did.

I ask her for some kind of confirmation (I cannot count how many times they have lied to me, so I always ask this) number, she could not give me one, of course, so I ask her name (real, I doubt it). She gave it to me with no problem, then I ask her for her phone number that I could reach her - no go on that one. She said it has been log into the system and anyone here can bring this up, so just call that same number and we will be at your service!!! YEH. So I'm thinking it's not a problem.

Well 1 week later, I pull up my other Chase card online for other interest and see my new balance for my new intro card on the internet but there is no other info except the amount of the card and the balance transferred that are being made.

I see only one was done, it's with my Capital One card, the one for 2.9% for the life of the loan. But they charged me $30 fee for doing this, after telling me they would not do this for the intro rate. Of course they lied. So I call up and she gets it removed. I ask when the rest of the balance transfers would happen, she said there was a problem with the others and to use the checks when I get them to pay these loans on my own time. She states the intro rate is a go and the card and checks should be there any day.

I get home that day and it's in my mail box. YES...great I thought. I start reading the fine print. It says intro rate for 3 billings cycles on 0%...WHAT, 3 months? I call up. They tell me they don't even see any intro rate for me anywhere, and I'm at 22.3%. YEH BABY!!! I freak out, get their manager on the phone, and he tells me this is not true but I have until April on the 0% but still not for 15 months. I wanted to kill!!! I ask him what happened to the 15 month intro for 0%. He ask me when did I see this, because they don't show ever offering this to anyone. Yeh...I'm looking online at the same time to find it, no go of course.

So I tried to cancel and tell him why would I transfer a 2.9% balance to over 22% - this is crazy - but the check was already processed to Capital One. So we get on a conference call with Capital One and neither side can do anything to help me from paying over 22%, no stop payment, NOTHING. I find this crazy that a billion dollar company cannot do stop payment on a check.

I call back one hour later, get another manager on the phone...LOL. He does not even see the 0% until April the previous manager told me anywhere!!! He shows NO intro rate for me anywhere. NONE. He says I have to make out the checks first to maybe get the rate, and the other balance to Capital One has not been paid, say it's not there yet. Hes not sure, he has no clue! But I might get my 0% next week.

Yeh OK. That'€™s a first, you always know what you have beforehand. Of course he does not even show of me even talking to the previous manager about 1 hr ago. What was his name, he ask. LOL. "Does it matter?", I say. I will be contacting corporate on this matter, and the BBB.

Funny but I hear this from so many people that credit card companies lie to them all the time. Just last week as a matter of fact. I wish Congress would put a stop to this by making them, just like MSN and other companies, log our conversation and give you some kind of confirmation number this took place. This is crazy that credit card companies can lie and get away with it. Now I'm stuck with 22% rate when I did have 0% and 2.9% before all this mess. Thanks Chase for making my life a pain. Thanks for reading.

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Chase Bank Rating:
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1.3 out of 5, based on 61 ratings and
411 reviews & complaints.
Contact Information:
Chase Bank
270 Park Ave FL 12
New York, NY 10017-2014
212-270-6000 (ph)
212-270-6522 (fax)
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