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Chase Bank Checking & Savings Consumer Reviews - Page 3

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No Safeguard Against Unauthorized Withdrawals
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SAN MARCOS, CALIFORNIA -- Do not trust Chase Bank if you're concerned about safeguarding your money against unauthorized withdrawals by ACH clearing houses for auto-payments. I provided written notice of cancellation to Chase & the vendor, but withdrawals have continued for months & they won't reverse them. I've tried written disputes, Stop Orders, zero-ing out my acct. (resulted in a negative balance & $34 overdraft fee).

Twice I even called Chase's 800 # to dispute charges that were still pending (within 24 hrs.) & they still allowed them to go through. Next will be a complaint to the Office of the Comptroller of Currency. Know your rights - read FRB Regulation E and put your money elsewhere.

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I Will Be Closing My Chase Account
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SEATTLE, WASHINGTON -- My bank, WaMu, has been bought by Chase. I have two checking accounts - one that my paycheck goes into, all my ATM withdrawals, checks, and debit card transactions come out of, etc. The other account always has a zero balance unless I am transferring money to another bank, or for PayPal transactions. Chase mailed me my debit card that was to replace the WaMu debit card. Given that I have never used a debit card or check on the account that has no balance, it never occurred to me that the card was for that account.

So I cut up the WaMu card and started using the Chase card. Two weeks went by, and I did not receive another card in the mail from Chase (which I should have received since I have two separate checking accounts). I then went into online banking to discover that I have all these overdraft and NSF charges on the account because there is no money in there. I don't believe this was a mistake on Chase's part. I believe they purposely did this so that I would incur all these extra charges.

There is no reason I would get one debit card for one account and then have to wait several weeks for the other one, when they are both checking accounts. When I banked at WaMu, I would receive two separate debit cards in the mail, one for each checking account, within 2-3 days of each other.

I called customer service and was told that I could not be helped because all the charges hadn't posted to my account yet, and then, when they did, I could speak to a manager and it would be his/her discretion to credit back the charges. That is an unsatisfactory answer to me. I suspected that this type of thing would happen when Chase bought WaMu and now it actually has. I will most likely be moving my accounts to a local credit union.

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They Won't Take My Money as a Deposit!!!
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I just signed up with Chase for online banking. I was with USAA but they won't let me scan checks with my phone since I'm not in the military? Chase lets me scan checks with my Android so I thought I was good to go. I went to scan my first check for $1200 to get some money in the new account setup 3 days ago. The Android App said, “can't deposit this amount, it's too much.” So I went to their FAQ page and there is nothing there stating that there's a limit to check amounts. I called their Tech Support and said the limit is $1000 and that can't be changed. Now, I have to write out 2 checks!!

I asked "what's my account number for the back of the check?" They said, “We can't tell you over the phone.” I asked "where can I see it online?" “You can look at your statement online… you'll have one in 20 days.” I asked if I could answer 5 security questions to get the account number. They said, “Our policy is to not tell customer their account number.”

I asked "how can I get you take my money?" They said, “Go to an ATM.” I don't have my ATM card yet. They said, “You should have it shortly.” I asked "what is shortly, the mail already came today." They said 7-10 days. I said, “You want me to wait 7 days to put money in my account?” I said, “I think you should change your policy, it's broken. I live nowhere near a Chase Bank, I'm trying to do online banking but you won't get me access to my account for 7-10 days?" They put a supervisor ** in Houston on the line and he didn't resolve anything but stonewall me. Does someone out there want to be my bank please?

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Chase Bill Payment Center Online sends unauthorized payments to merchants, lies
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On Wednesday, 3/16/20111 I sent $50 to Commonwealth Edison for my electric bill via Chase Bank's online bill payment center. On Thursday, 3/17/2011, my Chase checking account online showed that two payments for $50 had been debited to the account. I had authorized and submitted only one payment to Edison.

When I talked to Chase telephone banker “Tracy in Texas” she said they would take care of canceling the second payment immediately and the unauthorized $50 would be in my checking account the nest day. When I asked for her employee ID and a case number she refused to give me either one and was rude.

On Friday, 3/18/2011 when I looked at my account there were still two $50 payments shown and debited. I talked to another Chase Telephone banker, Karen **, who said that nothing had been done to cancel or return the extra unauthorized payment and they would do nothing to solve the problem. It was my tough luck. I could try and see what Commonwealth Ed would do.

I called Chase again to ask for a supervisor and was referred to Ryan **, an online specialist, who said there was nothing he would do about it. They wouldn't call Com Ed to see if they could help with the problem. When I told him I was planning to contact the bank's executive office in New York and The Better Business Bureau he did call Com Ed who told him they hadn't processed the payments yet but would not cancel or return the extra one in any case.

Elizabeth ** in the Executive Office in NY said that even though “Tracy in Texas” completely lied to me on Thursday saying they were taking care of the situation, there was nothing Chase would do to help me. I now know I can never use Chase's online bill payment again. I'm a senior citizen with scant income and no resources who just came back from attending an out of town funeral for a sudden, tragic death in the family and thus lost several days pay. I desperately need the unauthorized $50 to get through the next few weeks. I want Chase to credit the $50.00 to my account.

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Unable to Claim Deceased Mother's Funds Due to Their Error
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PHOENIX, ARIZONA -- I found out on June 4, 2010 that my mother had terminal cancer. I also found out that I was her Power of Attorney, and after she passed, the trustee for her trust. All of her accounts, except those at Chase, were set up under her trust. I went in sometime in June and spoke to an account representative to have me added as Power of Attorney so I could access the account while she was living, and the trust as beneficiary so that I could access her funds after she passed (Power of Attorney becomes void after the issuer dies). I gave her copies of the POA and the trust, both.

My mother died shortly after that, on July 6. I obtained a tax ID number on July 30 so that I could convert her accounts over to the trust. When I went in, I found out that the representative that I spoke within June only added me as POA but did not add the trust as beneficiary, meaning I cannot legally access her accounts.

Now, I am in a position where I have to go back to the attorney, pay his hourly fee and potentially go before a judge just so that I am able to disburse her funds. Of course, the man I spoke to today said that I probably would not be able to recoup what I would have to pay the attorney based on their mistake.

The man I spoke to today kept telling me that he "understands." Really? Did his mother die and her bank screw up her accounts? My mother paid good money to have a trust set up to avoid things such as this, and yet, I still have to take additional steps legally to resolve this. I am writing an executive complaint and I will be posting about how terrible the service was at Chase anywhere I can.

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Chase Takeover of WAMU - Worst Thing EVER
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This is a copy of the message I sent shady shady Chase: I have experienced this issue many times with your bank since Chase has taken over, and am very unhappy with it. I made several CREDIT purchases (signature, not POS) with this debit card on 10-7-09. I overdrafted on one amount that day (the Amazon bill), and was charged $33, which I fully understood. On the 8th of October, I checked my account, seeing only the one overdraft, and the two deposits, totaling over $2000 and fully covering the overdraft. THEN, the charges I made as credit on the seventh showed up, a day later, but marked as going through on the seventh.

By the time the charges went through (they had not gone through before the funds from my deposits were available), they should have been completely covered, but instead they were somehow backdated and I was charged $132 more in overdraft fees (on top of the Amazon fee). This is not how WAMU operated. If I had an available balance, that money went towards any payments taken from the account with no overdraft fees because of the day the purchase was made (only the day that it applied to the account mattered). How can a purchase show up dated 10-7 on the 8th or 9th?

I am beyond frustrated with this, and with the difference between how WAMU worked and how Chase is working. I have paid hundreds of dollars in overdraft fees because of this in the short time Chase has taken over, and have read many many accounts of the same frustrations from now-ex Chase customers.

B of A is currently being sued for such dishonest and slighted action, and I am, quite frankly frustrated and done with this bank. When my automatic bill pays for the month have completed, I plan on moving to a credit union. I have also had problems with my credit cards with your bank, which I no longer use as well. I just wanted to share my frustration, though I'm sure you hear a lot of this from customer lately. Thank you.

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Closing Out Accounts Cost Me My Car Payment and 2 Credit Cards and My Credit
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NW UPTOWN BRANCH, OREGON -- I closed my Checking and saving account 8/8/09. Signed it off as CLOSED, STOP, NO MORE, I DON'T WANT, I'M OUT OF HERE... Guess what, they still have it open today!!!! I hated Chase and there pending debit game to make as many NSF fees off you as they could by floating them! And as soon as I heard Wamu went Chase, I wanted OUT! WaMu was great!

Today, I found out my account is still open on 8/26/09. My payroll made a mistake and sent my work check to my old bank, what was a closed Chase account... with my payrolls auto deposit! Chase said this reopened my account (I never signed nor said anything stating reopen)? Well, thinking them closed, I couldn't find my payroll check in my new bank and a week went by. I contacted everyone I could on my Chase debit card which auto debits were set up a year or so ago. $600.00 went into Chase by mistake, I had a balance owed me back today of $114.00 NOT $600.00 after they NSFed and paid things I had already paid with even more NSF's.

Now my car payment for the 1st time in my 53 year old life is late and two credit cards... Thanks to those FAT CATS at Chase!!! My account is still open today, pending a bill I already paid by phone but is still floating in there system. They will NOT let me reclose that account for which I already did 8/8/09, until the $89.00 clears which I left the sum of in that account today! So who knows what $$$ they will still and try and get out of me by the 4 to 5 business days it takes to clear, then they said I can close it???

What another neat little trick ya think they got going on, to still get money out of you even if you close an account and no longer bank with them! Well, I guess the bailout package the president gave those FAT CATS still doesn't pay for the 10 homes they own nor, boats and planes all the CEO's want and need! EVIL BANK, EVIL people!!! I hope they fall down big!!!

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Bank Error Only Meets You Halfway!
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SAN DIEGO, CALIFORNIA -- I have always been a happy banker of WASHINGTON MUTUAL aka CHASE bank until now. I have been lied to and avoided for the last 5 days while waiting for the bank to figure out why they have linked my new CHASE card to the wrong account than stated on the form sent to me with my card, causing me to accumulate over $600 in fees.

In the 3 years, I have banked with this bank, I have never had an overdraft on any of my accounts, so I was credited 2 back for this year and last year for being a good customer. This was 2 of 25 charges that are still unexplained and even more strange, these credits they were credited back to a completely different account than the account that had the fees. This whole situation is still being investigated as nobody in the bank can figure out why this has happened. So far, the branch manager has screened her calls and refused to talk to me, passing the situation on to her assistant who has yet to answer a question on his own.

After many calls and attempts to speak to her at the branch, I finally walked into the branch and straight into her office only making her defensive and angry. She said that the bank never makes errors but will meet me halfway with the fees totaling more than $600 and that is all that will be done and more than fair for a situation that the bank is still investigating.

I was then laughed at and told that they have taken the money already whether I feel it is fair or not "because the bank will most likely figure out the error." I don't believe any money should be taken from me until this situation is handled. I now regret referring friends and family to a bank that was once an honest bank with decent employees.

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Undisputed King of Customer No Service
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A week ago, I took a short weekend trip. I used my Chase credit card twice with no problem the first day. The second day, the card was declined by two different merchants which shocked me since I knew I had only a small balance on the card and that my account was current. On my return, I contacted them and the customer "no service" representative said they would investigate and get back to me. A few days later, by email, I was informed that Chase had reviewed my credit report and risk management had decided to close my account. I became a Chase customer as a result of the failure of WAMU where I originally got the card over two years ago.

Apparently, since I always paid the account early and paid more than the minimum, I assume I was "risky" because I didn't generate enough interest to suit Chase. I never received any notice from Chase that they were cancelling my account. Guess they assumed I'd figure it out when they started declining my card. Chase declined to provide me with the name of the credit reporting bureau where they obtained negative information that caused them to close my account.

After reviewing my credit reports from all three major bureaus, there were no inquiries listed from Chase since 2008! Not only are they a bunch of idiots, they are liars. I also had two separate checking accounts with them, both of which had average daily balances above the balance I owed on the credit card, so there was no way they were at risk for not receiving repayment. I'm curious whether Chase is in such poor financial condition that they couldn't absorb WAMU's credit card customers.

If you are wise, you won't risk allowing them to be responsible for your money. I think anyone who willing does business with Chase Bank should immediately get psychiatric help as no sane person would do business with them. Seriously, I think everyone should stop doing business with Chase and let them learn they aren't "too big to fail" and that it is darn hard to stay in business when you don't have an customers.

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Chase Bank Promotes Fraud And Theft
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WILLCOX, ARIZONA -- My mother was a 30 year customer of Chase Bank. When she was unable to pay a $15 co-pay we went to the Chase Bank to find out why. There we found that someone had transferred $30,000 out of her account. That someone turned out to be my brother. He did this without authorization. While initially not holding Chase responsible for the illegal actions of her own child, my mother opened up a new account and began the process of securing what was left of her stolen assets.

To date Chase Bank has refused to provide my mother with her banking history. They told my mother that she would have to prove she wasn't crazy before she could have her account back. In the meantime the son was spending like a drunken sailor. Chase then permitted him to close down her new account. We moved her to a different bank but still needed the banking history to pursue legal action. Armed with a court order clearly stating that the brother had no authority over our mother or her accounts, Chase employees chose to ignore my mother... though they were willing to continue accepting her monthly pension deposits.

Four visits over the course of a year of legal wrangling and Chase continues to deny a customer request for records. They have lied to me, lied to my mother and have even attempted to claim that they know nothing about what has happened. The court did get all but $10,000 returned to her and it resides safely in another bank. How is it that they can deny access to a customers records? Given her age, I'm thinking that they believe they will wait her out???

They claim that she signed him on to the account, yet it has been determined that the signature was not hers (her name was misspelled). There has been no allegation of anyone else being on the second account she opened yet they took the funds from that account and gave it back to the thief. We're looking for the place to go to begin taking action against these people. Any input would be most appreciated.

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Chase Bank Checking & Savings Rating:
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1.4 out of 5, based on 16 ratings and
61 reviews & complaints.
Contact Information:
Chase Bank
270 Park Ave FL 12
New York, NY 10017-2014
212-270-6000 (ph)
212-270-6522 (fax)
www.chase.com
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