I did an online balance transfer for 3000.00 from my account in Chase to my account in Citibank. The money never made it to Citibank, I own Chase 3000.00 now. I've called and called and called. They told me to wait. Waited and waited. On October 26 they told me the money made it to a payee and I need to work with Citibank if the payee is not me.
Citibank says it's up to Chase to straighten this out, they initiated the transfer. I finally get a letter from Chase. The letter says the money were given to a payee whose account ends with ** and if I have a problem I should talk to the payee. The payee, the ** account, I need to find him and confront him about my money. That's what Chase did with my 3000.00. They're done now, and I owe them 3000.00.
MIAMI, FLORIDA -- I wanted to transfer a large amount (to me anyway) from an account in Texas so my wife wouldn't have to travel so far to get the money if something happened to me (we live in Ecuador). So we flew to Miami and went to the closest branch to us at the hotel. I told the young man I wanted to open a checking and a savings account but I wanted the majority of the money into the savings account because I was not getting anything from my checking account in Texas (over 20 years with them).
When I was talking to the young lady in Texas about the transfer the young man put a piece of paper with the information on it. I told the girl this and she told me that was not the number I had sent to her via email. So I told her I was looking at the number. The young man changed the paper and deposit number to my checking account.
I went back to the hotel and started reading everything in great detail. I went back to the bank, closed both accounts and demanded a cashier's check immediately. He did get the check for me saying all the while it was a misunderstanding. I said like hell it was. And this was for just .01 percent. I have a credit card with them for many years and that has been good. They are thieves.
GARNERVILLE, NEW YORK -- I had the WORST experience at the Chase Bank located at 58 W Ramapo Rd., Garnerville, NY. (I have to say that the tellers at this branch have ALWAYS been a pleasure to work with and this review is certainly no reflection on them.) I went in to get something notarized and waited over 30 minutes. The long wait time was certainly annoying as I sat and listened to ** talk loudly and incessantly to the couple she was serving, but I figured this was their idea of friendly service.
What I found absolutely UNACCEPTABLE is the way this couple's private information was broadcast across the bank. I know both of their names, how much money they make jointly, their home address including apartment number, his mother maiden name and the approximate time their cards are due to arrive in the mail. I guess the couple are lucky that I am not a thief because the bank employee would have made my job very easy, if I were one of the bad guys.
In this day and age of identity fraud, I was absolutely flabbergasted at the unprofessional and dangerous business practices being displayed right in front of me. If they care so little about this couple's privacy, how in the world and I supposed to feel safe about how my information is handled?
**, the Chase employee in question, could tell that I was very annoyed at the situation but it was her belief that my frustration came from having to wait so long. I was fine with letting her believe this was the reason for my frustration until she then curtly told me that if I had called and made an appointment for notary services, then I would not have had to wait. I replied that I DID call and if making an appointment ahead of time was such a great idea, then perhaps the person on the phone should have informed me of that option.
She went on to make a quip about how it was 20 minutes until 6 (I arrived at 5:15) and that I was lucky that they even had a notary available to help me. I informed her that during my phone call I was assured that a notary would be available until 6:00 on that specific day. So I guess now I am supposed to feel lucky that there was even someone there doing their job?
So the privacy of personal information is obviously NOT a concern (what I witnessed has to be against the policies and procedures of any banking establishment) and I as customer who tried to do her due diligence and called ahead of time is somehow left feeling that I should feel fortunate that she even bothered to help me at all. So why am I banking with this establishment? I have no idea but I know a lot of other banks that would welcome my business.
The difference in customer service between Chase and competing banks is an eye-opening experience. The times they are a changing. I guess when you bank with an establishment for over 15 years, they just assume you will never leave...how wrong they are.
OREGON -- I've never dealt with such rude, uncaring people as I've experienced with Chase's claims/disputes department when I called to dispute charges on my checking account. I opened up a checking account with Chase when I received an insurance settlement and was treated like a queen at the local branch. Over this last year, however, I lost my job and trying to support myself and two children.
I called to dispute charges which also caused NSF charges on my account, which were reversed initially. After this, the merchant credited my account when I left town to care for my terminally ill grandmother. (I couldn't get internet access or cell service where she lives.) Chase debited my account a few days later without any notification to me, which caused numerous NSF charges and I wasn't even aware of it.
I called the claims/dispute unit and asked to have the NSF charges reversed due to their debit without notification to me; plus I had no ability to even view or check my account by phone while out of town. I was told by Chase the charges were scheduled to be credited to my account the following day; no problem! This not only "didn't" happen, but it caused even more NSF charges to accumulate. I called Chase again and was told they didn't know why the reversal hadn't happen and promised me it would happen; including reversing the "accumulative" NSF fees which occurred from it.
My grandmother passed away recently, but when I checked my account, no fees were ever reversed and even more NSF charges had accumulated over time. I called Chase Claims/Dispute unit again, was told (quite rudely) Chase wouldn't reverse the NSF charges and they were not sure why the other Chase employees made this statement, even though they could read the notes and knew these statements were made to me. When I asked to speak a supervisor, she put me on hold and then said her supervisor's "system" was freezing up and she couldn't view my account info. I was asked to call them back in 2 hours.
When I asked why they couldn't call me back, as it was a problem with Chase's system, I was told they "can't" do that. I've never dealt with a company that takes absolutely NO responsibility for the info and promises made by their own employees. I didn't have any access to internet/phone while I was providing 24 hr. care for her, which couldn't be helped. I have no regret taking care of my grandmother until she died which allowed her to stay in her own home. I DO regret setting up my account with Chase Bank
Since Nov. when I went to stay with her, I've incurred over $1400.00 in NSF charges which my kids and I cannot afford. Based on the "profit" Chase has made off of my situation, you would think they'd treat me with courtesy and respect since they don't get that much profit off of their customers in such a short time frame!
I should be returning to work in a month or so, thank goodness. :) Until I get back on my feet again, we have no money, when there should be well over $1400.00 in my checking account. Thank you Chase, for providing such caring, compassionate, trustworthy banking services for our family during our most difficult time...
MANDEVILLE, LOUISIANA -- A STORY OF BAD BANK PRACTICES. Do not do business with this Chase Bank, they steal your money, In 2006 I deposited a check in an ATM with Bank One that was acquired by Chase; I had the receipt and the deposit slip. They put the money in my account and a day later took it out. Claimed they never received the check. I called them and they said contact fraud department so I filed a claim.
Weeks go by and many phone calls and they refuse to give me my money back. I even faxed over the company that wrote the check, proof that Chase Bank cashed it. I immediately I closed the account like a normal smart person would. They refused to stop charging me NSF fees after they lost my check.
The collections department was calling me over and over harassing me. I told them I refuse to pay NSF fees when you lost my check. I checked with a lawyer and he wanted to charge me more than the check to get my money back. I wrote it off… Later in 2010 I started a new business technology company in Mandeville, Louisiana and I was talked into opening a business account with Chase again. I put over 15,000 dollars in this account kept finding errors, and one day right before Christmas, I am missing over 1000 dollars - says on the statement transferred to another account.
I called every department. No one could tell me where my money was or where it went. I told them I refuse to put more money in the account until they showed me where my money went, they promised me they would somehow freeze the account until they get me that information, weeks later I see they lied, I had a credit of 00 deposited and the took it all with NSF fees, Over 300 dollars in NSF fees.
I went to talk to the Mandeville manager in person. His name is Eddie. Because after many phone calls he would not return my call, I was told he was the only one who because Chase Bank made a mistake and the lady I spoke with did not freeze the account like she said she would. Eddie was the only one who could reverse the NSF fees.
Even after admitting to me he did not call back and admitted he failed to freeze the account he would not return my NSF fees and refused to close the account because the NSF fees brought the account to a negative balance. He cursed me and told me to leave the bank. He lost his cool, as I was walking out he said he is going to close my account in a very angry voice. I said, "Good, what do I need to sign?" and he said nothing, the day after I see he still did not close my account and more NSF fees are to be acquired.
Please as a nation of good people DO NOT DO BUSINESS WITH CHASE BANK, YOU COULD BE NEXT, I lost over 2900 dollars because Chase Bank took my money and now they refuse to give it back. Please if anyone has a similar story write it down and let other people know about banks that take your money. I will be starting a web blog and collecting similar stories on this website.
SANDY SPRINGS, GEORGIA -- When I dealt with Chase, I was in college. I had many signals to warn me of the poor decision on my part by opening an account with them. The first was when I had to deposit my checks in person before my direct deposit started. I was in an accelerated school which meant I was in school from 8 AM to 4 PM with a job right after. So I was in line at the bank with every other busy human being at lunch instead of eating. This was mostly a complaint on whoever managed the two branches I visited.
Either they were cutting corners or didn't care, but these centers were always understaffed. I remember clearly standing in line one lunch with 3 employees trying to take care of us. One at the window and the other two at the counter. The one at the window then announced loudly she was going to lunch, leaving the other two to deal with our growing line. I don't blame the lady. Employees have to eat too. I blame the management as I remember the looks those others in line with me gave her that only hurt the brand's image. No matter how fast they tried, I ended up having to leave 45 minutes in with only two people in front of me to get back to school on time.
The second was a whirlwind of unfortunate events that brought to light how much Chase is really about your money and nothing else. I worked at a job that required you to go through a temp agency. Due to the nature of the job, they could not disclose the job's location until you were actually hired. Once hired, your paperwork stayed at the temp agency for security reasons. Well that temp agency lost my scanned ID one day. Some ass-hat somewhere up the chain looked at my last name (**) and stopped my direct deposit and sent me a warning letter that I needed to get my green card renewed asap.
It just so happened at the same time, someone had stolen my card number for my Chase account. I check my account everyday, so as soon as I saw 2 new charges pop up that weren't mine, I immediately called Chase to have my card terminated and new one sent to me. By the time the card was terminated, I had over 16 transactions. Some little, like coffee, some larger, like cell phone plans (which at the time were not the cost of what we have now). Still, because my paycheck had been stopped, I went into deep overdraft territory and like most banks, Chase charges by the transaction.
I had over $180 in overdraft fees. It took me 2 and a half days to work with my temp agency and bank to get them to see that I really, really, really was an American citizen and that those charges were not mine. Chase retracted the charges; however, they were not going to retract the overdraft fees. Their customer service basically told me in a polite-ish way that I should have managed my money well enough to have avoided those overdraft fees. Because, you know, a broke college student with a missing paycheck needs to just hurry up and get that mystery cash savings together.
My last and final sign was the next day, I went in early and missed a class to close my account at Chase. When I reached the front of the line and was asked how I could be helped, I told them I'd like to close my account with them. The man immediately started typing. I was a statistic. Not a customer. Otherwise there might have been service. "We're sorry you're leaving us. Is there something we can do to change your mind? I apologize that you are unsatisfied with..." Nothing. The man finished typing, opened the drawer and handed me what was left of my money after their stolen $180 and told me to 'have a good day'.
I went to Washington Mutual after that. Talk about customer service. These people were always fully-staffed for their needs. Their people were friendly, remembered my name, went above and beyond to serve you. If there was a long line of waiting people, even the folks who normally handled mortgages and whatnot in the back would peek their heads out and offer to help anyone who was waiting. It was amazing.
I was so crushed to hear WAMU was bought out by Chase. It crushed my soul. As an older adult, it was a depressing view into the monopolized world of business and how big business could ruin the best things. Today, I won't even go to a Chase ATM. My current bank refunds my ATM fees but I refuse to give that sorry excuse for a financial institution a dime of my money, much less a $3 ATM fee.
SACRAMENTO, CALIFORNIA -- My husband and I have become the victim of fraud on our checking account. Chase not only won't return our money, they are demanding payment of $400 in overdrawn funds. I apologize for the length of this report but felt the length is necessary to adequately explain our situation.
We opened an account with Washington Mutual over a year ago with $110. We then received $100 "bonus" for opening the account. Since that time, there has been $210 in the account and we have NEVER used this account. The ATM cards sit in our desk drawer. As most everyone knows, Washington Mutual was bought by Chase. If my husband and I are guilty of anything, it's that we don't closely monitor this account because we never use it. We've been meaning to close it but just hadn't gotten around to it.
We then moved on May 1st. Through all of the chaos with moving and getting our mail forwarded several weeks went by before we opened any of our mail. All of our important bills are on automatic payment. On May 25th we opened our mail to find a letter stating that a hold had been placed on a recent deposit in the amount of $1500.56 on April 27th. This sent the alarm bells off immediately since we have never used this account. We then found our bank statement and found that there had been multiple deposits and withdrawals.
Our initial thought was that our account had gotten crossed with someone else because of the deposits. We also found our ATM cards right away. My husband immediately called Chase to find out what was going on. The representative on the phone was completely rude and actually told us, "How do I know you didn't do this?" He could not help us and told us to go into our local branch.
My husband went to the local branch the next day. It took two people to finally figure out what was going on, but it did in fact appear that someone was fraudulently using our account. Chase had switched from MasterCard to Visa and had mailed new cards on April 20th WE NEVER RECEIVED THESE CARDS. Now, we have a locked mailbox how someone got a hold of our cards and pin numbers I will never know.
There was an initial withdrawal of $200, multiple balance inquiries (a tell-tale sign of fraud), multiple deposits, and withdrawals. We were able to obtain copies of all of the deposits all of the checks were clearly stolen and our signatures were forged for endorsement.
My husband filled out all of the paperwork to file a claim and was told that I would need to return to the bank to sign the paperwork as well as both of our cards were used. I went into the bank of June 5th and completed the remaining paperwork. At this time we also asked to see the ATM videos she told us that it was not us on the video (duh, I could have told her that) but they were not allowed to show us the videos unless we have filed a police report. We were assured that we had done everything we needed to do and that our money would be returned to us.
Later that we week we began to receive multiple letters from Chase. They had approved some of the claims but not all of them (each transaction required a separate claim). We received three cashiers' checks, in the amounts of $14, $36, and $6. We then called the person at the local branch for an explanation. She contacted the fraud department for us. When she got back to us, she explained that she couldn't get an exact answer as to why our claims were denied but she thought that the fraud department believed we had given our cards/pins to someone else.
So here we are again, back to square one, still with no money! She then told us that there was nothing more that she could do and that we would need to contact the fraud department directly. We then contacted the fraud department and asked to speak to a supervisor. We explained the entire situation to the supervisor and after a lot of pressure, he finally agreed to review the case again. However, his attitude was nothing but appalling. He treated us like criminals!
I nicely explained that we at least deserved an explanation as to why the claims were denied particularly because they had approved 3 of the transactions but none of the others. Clearly, if Chase believes our account was fraudulently used for three transactions, they must believe all of the transactions were fraud. He then told me that I was wrong, and that Chase had denied all of the claims.
I have the letter right in front of me and read it to him - "Our research indicates that the transaction was processed incorrectly or was not authorized" and I have a cashiers' check in my hand! He still insisted that I was wrong and that Chase had denied all claims and they would want that money back. Are you serious? Have I gone absolutely insane? !?
The only answer he would give me as to the reason for denial was that research revealed that the transactions were processed correctly and that it was within Chase's policies and procedures. I asked for a copy of the policies and procedures. I was told that Chase does not share its policies and procedures with customers. Again, are you serious? What kind of company doesn't share its policies and procedures with customers? I was told that if I wanted to see a copy of the investigation, I would have to subpoena the documents.
So here we are, six weeks later, and we can't get our money back. So at this point I'm ready to give up. We really only lost $200 and it's probably not worth my time to fight it anymore. BUT then, just when I thought this situation couldn't get any worse, the saga continues. The collections department is now calling me and my husband daily and they want the $400 in overdrawn funds on the account. If we do not pay, we will be reported to the ChexSystems this will impact our credit rating and our ability to establish an account with other financial institutions.
This is absolutely ludicrous. We have done nothing wrong. I am NOT going to let this go and feel it is my duty to fight this unfair practice for myself and fellow consumers. We have since filed a police report for the initial fraud. I will also be reporting Chase to the Attorney General, the California Department of Financial Institutions, and will also file a small claims suit against them.
Two of my family members and one of my co-workers have already closed their Chase account since hearing about our ordeal. I warn all fellow consumers that Chase can't be trusted and your money IS NOT SAFE!
Stay tuned as this story unfolds....
Update: 8/1/10; Chase has responded to complaints through the Office of the Comptroller and BBB. They have again denied our claim, stating that we had to given our PIN to someone else. I have contacted several news agencies.
I applied for a FREE Savings and Checking account in mid December of 2009. Understanding the terms of FREE. Just recently, I looked at my account and notice a $6 fee that was charged on my account labeled "service Fee". The red flag caught my eye and I started to look for further fees that were similar on both my savings and checking account to realize that I've been charged the $6 fee each month. When I browsed through my Savings account, the same thing happened.
I called into their customer service department to get it resolved. Unfortunately, their customer service department is so terrible and have been trained to say the same thing over and over regardless of what you tell them, was quite unhelpful. They were more frustrating than anything.
Let's start with my savings account. When I applied for the Free account, I was told that as long as I maintain a $300 balance, I won't be charged - which is in any case for any bank, EXCEPT CHASE. Twice I withdrew money from a different ATM and was charged $2 each which I understand however, I was charged a third $2 fee because I went to another ATM inserted my card and withdrew the money which they had charge from the note above. So instead of charging for just withdraw from a different ATM, you also get nicked for putting your ATM into a non Chase ATM. What kind of rule is that?
On top of this, I was charged a $6 fee each month since January. Why? Because I transfer money from my checking to my savings and vice versa more than 4 times in a month. Did you know that? What happened to maintaining my $300 in the savings at all times and not incur a charge? They completely blind sighted me on that.
Let's move to my FREE Checking account now. I was charged $6 each month because I did not use my ATM up to 5 times a month. If it is a FREE checking account and they are obviously using my money for something else, why are they charging me for not using my ATM? On top of that, I would get charged an extra $6 if I were to use my ATM to withdraw money from their bank more than 4 times! So either way I get charged! Blind Sighted yet again.
In December, when they made the mistake of charging me $2, I called to ask to get it reversed. They reversed it but out of "customer courtesy" as though YOU in this case, ME did something wrong because they chose to steal my money and if I did not catch that, they would have gotten away with it. I have never encounter such bad customer service in my life with any bank. For everyone who does bank with Chase, be careful of the blind sighted charges that can accrue over time. I was fortunate to have caught it ahead of time and ended up losing $36.
TORRANCE, CALIFORNIA -- I was a Washington Mutual customer prior to the Chase Bank takeover. I enjoyed banking and dealing with Washington Mutual. Chase Bank has been nothing but extremely poor service. I applied for a Loan Modification in February of 2008. I was advised in 2010 that the modification was denied only when I called in to check the status.
Chase Bank never mailed anything out when they took over. This cause my loan to be delinquent by six months. The representative from Chase Bank informed me that my options were to catch the note up or short sell. I was furious as I have put so much into my home. I am currently working to catch up my loan payments and I have reapplied for a modification. Yeah what a joke!
Recently, I was written a check by my tenant who wrote the check in error. I did not review the check as my tenant has been living in my rental property for nearly 5 years and has an excellent rental history. However, he wrote the check incorrectly putting in the dollar amount but did not correctly write this figure in the handwritten dollar amount line on the check, so his bank cashed the check for the lesser amount. Within the same month, I had written myself a check from my Chase Credit account. The bank (Chase) inputted the amount incorrectly.
This caused me to be charged several non-sufficient funds charges as well as my mortgage and other expenditures being returned as not paid. I called Chase Bank and the advised me that they would correct the error after they verified the check document I deposited. Several days later, I attempted to use my ATM card only to find out that Chase Bank had closed my account. The phone representative I spoke to at first was a real snot so I asked to speak with a supervisor who advised me to contact my home branch manager and discuss what happened with him, and he could override the decision to close my account.
I drove nearly 70 miles to my home location and the manager was interviewing and not available to meet with me. I left my telephone number and he called me. I explained to him what had happened and he kept rudely asking, “So, what do you want?” I advised him that I had spoken ** while visiting the bank and he was interviewing. I asked him to speak with ** first to answer all of his questions as I was at work and if he would call me back.
Well, Mr. ** did call me back to advise me that there was nothing he could do and he gave me the number to customer service 1(877) 691-8086 at which time I spoke to supervisor by the name of **. ** advised me that only the branch manager could overturn the decision. At this point, I felt like I had done something wrong and or committed fraud.
Several days later, I received a letter advising me that my account and related accounts were being closed in 10 days and I would receive my funds in about 15 days as well as Chase Bank was going to report me to ChexSystems reporting and credit bureaus. Never have I ever been so disrespected. I have had checking accounts since I was 14 years old and I am now 48 years old without incident and/or problem. Chase Bank sucks… They are truly one's worst nightmare. If you are smart, you will stay as far away from Chase Bank as you can. This bank truly belongs to the devil.
I've been a Chase Visa customer since 2001 and have never had a problem, never missed a payment, never had any fees levied against my account, and although their customer service policies have been growing less and less tolerant over the years, 2009 has hit is new low for this banking giant.
My unhappiness began when Chase acquired my happily ever after WAMU checking and savings accounts through the merger. I have ALWAYS loved WAMU - their customer service was amazing, benefits great, and they never charged you for anything - if they did, they were always open to reverse fees with courtesy credits! I loved that bank!
Then we moved cross country from the west coast where WAMU was the best and entered the midwest where Chase rules the land. Since we could only access our accounts through local Chase branches, we spent many hours weekly depositing inside the branches - it would take up to 45 minutes just to make a deposit because the representative didn't know what they were doing. It was very frustrating.
We were assured that by opening a Chase originated checking account, our WAMU merger account issues, with not being able to use ATMS to make deposits, would be alleviated. Thus, we opened a Chase checking account - they gave us $100 bonus (with tons of fine print and rules) and sent us on our way! Never had it been so difficult of a process to GIVE a bank my money before.
Around this time, we received notice that our long held Chase Visa account would be changing APR from 8.9 fixed to 15.9 variable -- no, this was not due to any fault of our own, just Chase's overhaul of all customer interest rates and terms in an attempt to beat the deadline for fair credit practices in 2010. Needless to say, we paid off the credit card balance immediately and closed the Visa account. 3 weeks after the account was closed, we received a BILL for the interest for the weeks AFTER the account was closed. Yes, they charged interest after there was a zero balance.
Knowing this was an error, I called Chase customer service. There was absolutely no plausible explanation they could give to me except their interest was compounded daily since we closed mid-cycle, if we had waited to the next month with zero balance, we would have been assessed zero interest charges. Anyway, I GLADLY paid the $20 in bad interest charges just to get rid of them once and for all. I imagine this is how they will make most of their money from now on - people paying off just to get rid of them!
So now the WAMU account should have been taken care of as well as the Visa… but no, they kept the WAMU account open and despite numerous requests to close it, have continued to keep it open with zero balance. Whatever. Now, we are down to that stupid Chase originated account we were told we HAD to open to make any deposits in under an hour in our new state of residence.
The account must remain open 6 months or they charge you the $100 "bonus" back - and considering their bank statements close on a different day each month, it's difficult to judge when to make your 5 debit transactions in order to prevent the $6 monthly fee for their "free checking"... sigh.
I emailed them to request the exact opening date on this Chase account so I could close it exactly 6 months to the day, now they are refusing to tell me what date my account was opened on. Luckily, I'm smarter than they are - oh yes, I just looked back at the statements and was able to determine the date of opening. I cannot wait to be able to close this last tie to Chase… What was neutral bank which serviced it's customer on a neutral basis, has become, in my eyes, a predatory giant looking to snag every penny in your pocket regardless of what ethics are lacking in such actions.
My recommendation? JOIN YOUR LOCAL CREDIT UNION! You earn interest on your checking account for FREE and they actually invest in your community, rather than spending money all around the world in places you would NEVER want your money being used as support. On top of that, you can actually go talk to a person face to face instead of being forced to climb the rungs of a perpetually never ending ladder on phone with a larger "bank" or creditor.
Until I am free… I am counting down the days until I NEVER EVER will use Chase or any of their affiliates again! I'm off to research all they have their fingers into so I can be certain not to support them or the businesses they thrive off of.