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Chase Bank Consumer Reviews - Page 5

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Change Of Terms Without Notification
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CHATTANOOGA, TENNESSEE -- Have excellent credit, no money, but always pay on time (auto pay helps immensely) until recently. Needed to increase cash flow a little, feeling the crunch...received balance transfer check offer in mail from limit $7900. That credit limit had been there for years. Used the BT checks in the past, always paid off promptly. Heard in the media, banks are cutting credit limits. So before I wrote any check, I called Chase (3 times) to confirm status of my credit limit.

From past experience, I have found it is necessary to always call 3 times for customer service - if 2 of the reps agree with the same answer then there is high probability the info is I called 3 times. All 3 reps assured me no problem, $7900 available. I asked what is the waiting time for the checks to clear, the answer by all 3 was that the waiting time was no different from any other check. That this balance transfer check was just like a regular check, write it and deposit it that's it.

They even calculated that the $7500 written would leave credit limit available that was more than sufficient to avoid over the limit and cover any fees etc. The reps gave me that figure $7500 and the green light go ahead. Soooo I wrote it, deposited it, and waited a few days. I put it in the checking account which I reserve solely for auto pay (about 8 different bills get paid automatically from that account every month).

A week later my bank notified me that the check was no good. Rejected by Chase. Chase had reduced my credit limit to $1000 without notifying me. All the auto pays bounced like pinballs. Fees up the wazoo from each of them and the bank...over $300 in fees.

Some of the companies were understanding and credited the fees, even Citibank believe it or not credited $35, Capitol One credited $25. I have sent documentation (notarized) via certified mail, return receipt requested to Chase, requesting Chase absorb the remaining fees. There has been no acknowledgment of even receiving the documents. This was a month ago.

I have the signature from the return receipt and will follow up within the next few days. This whole mess was entirely avoidable. I had other options. I had never had an problem with Chase in the past 20 years. The 3 reps that I spoke to misled me. There was no mention of how these balance transfer checks are subject to approval from Chase and this could take weeks - that indeed my credit limit was being considered for being reduced. These "checks" are actually a costumed form of a loan application and are not "just like a regular check".

It is probably all there in the fine print somewhere. But that was why I called customer service (3 times to make sure). So they could help me make the right decision. An informed decision. That is why I believe Chase needs to reimburse me the fees. I received incomplete information and incorrect information from their representatives. I know what I am dealing with. I have not even received acknowledgment of Chase receiving documents or what to speak of Chase reviewing the case. If you want honest interaction, you have to interact with an honest company.

CNBC lauds Mr. Jamie Daimon, CEO JPM Chase. I think he should be tarred and feathered. This is his company and it reflects his views and values...and it is pretty nasty. As an aside, historically I saw a video somewhere on the net showing how the original Mr. JP Morgan Chase was hugely instrumental in instituting major changes in US monetary system around the time of the great depression. He was greatly influential in the government and in setting up the Fed. An opportunist of gargantuan proportions no doubt. It may be that Mr. Daimon thinks he is the successor and that we, the card holders are really bag holders.

Beware! Chase Is Ripping Customers Off On Safe Deposit Boxes!
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In 2007 I opened a medium-sized safe deposit box at my local chase branch for an annual fee of $75. In 2009, my annual fee which is automatically debited from my savings account appeared on my march statement as $160.50 without any notification from the bank before the fee was charged. Thinking the bank had mistakenly overcharged me, I called my chase branch and asked that this charge be corrected. Before I can even take a breath after asking this question, the bank manager on the phone rudely informed me that that was indeed the new fee and that chase has a no-refund policy.

When I proceeded to remind her that I was not informed by the bank and that I did not receive any notification whatsoever about this drastic and outrageous increase in the annual safe deposit fee before it was charged to my account, the branch manager admitted that no notification had been sent out and that the notification was simply the actual charge on my savings account statement...which she continued to repeat over and over is non-refundable.

So basically after expressing my outrage to this bank's practice of charging outrageous fees to customer accounts without prior notification to the customer and deliberately imposing a no refunds policy on these charges, I was in complete and total awe at the criminal practices of this bank!!! In fact, I found out from another personal banker at the bank in a phone conversation that my fee should not only be $75 but that I also qualified for a 20% discount because of my long-time excellent relationship with the bank and the fact that I had over $15k in my savings account.

When I challenged the branch manager with this information indicating that not only was I overcharged over double the $75 fee which I should be paying annually, but that actually according to one of her employees at the bank I actually qualify for a 20%, the bank manager was turned bright red in anger and raised her voice at me and proceeded to yell and scream at me. At this point I was genuinely frightened and walked out of the bank and called 911 to request police officer presence at the bank since all I wanted at that point was to completely close all my accounts, take all my money and get the heck out of there in peace.

The police arrived, heard my story and escorted me back into the bank to close out my accounts, get my money and peacefully leave. Completely outrageous!!!! We have all heard of bank robberies but I think what I experienced was a reverse bank robbery!!!

Where is the accountability for these criminal bank practices??? CHASE CANNOT BE TRUSTED WITH ANYONE'S MONEY, EVEN THE MOST LOYAL AND LONG-TIME CUSTOMERS LIKE MYSELF!!! Please remove all your funds from chase unless you don't mind if your bank rips you off, fails to notify you that they're about to charge outrageous fees which you never agreed to, and then in the end strictly adheres to their no-refund policies when you challenge the unlawful fee deductions from your accounts. This is outrageous.

Everyone in my family has closed all accounts with chase and transferred all their banking business to other banks since I have had this experience and everyday I try to spread the word to my friends and colleagues to not trust this horrible bank.

I have written 7 letters and sent them to the Chase corporation about this horrible experience without any return letter or any acknowledgment of my grievance. I also reported this incident to the US Treasury Dept., office of the comptroller of the currency, which deals with national banks like Chase, and they have notified me that they are investigating Chase regarding this and other similar complaints they have received from former Chase customers.

Do yourself a favor and do not trust your money and your banking needs with Chase bank...even for the best most loyal customers, they will steal your money right under your nose as they did to me!!!! To hell with them...

Chase bank needs to die. I hate them! Read me!
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I am beyond angry with this company. I have had a Chase credit card for a few years, and I carried a balance on it about two years ago. One day I noticed that my minimum payment had gone up, even though I hadn't bought anything or made a late payment. So I logged into my account and looked at my statement, and my interest had gone up to 21%! I immediately called and spoke to customer service, and they said they were sorry, but they couldn't give me my low rate back because I must have done something wrong.

I had had an issue with another credit card, but had immediately resolved it with that company and that account was not changed at all. But Chase refused to give me my good rate back, even though I had never had any issues with them, and the one little issue with another company had been resolved right away (How do they even find out these things?).

I immediately transferred my balance, and left that card in zero. Earlier this year, they sent me a really good balance transfer offer, and since I am really good at paying on time, I thought it would be a good way to lower my interest and that I wouldn't have any more issues with them. But last month, my payment due date fell on a Sunday, and every time I have had a payment due on a Sunday, it actually gets credited and processed on Monday.

So I logged on Sunday afternoon to make the payment, thinking it would still be on time, but I got a late fee and an interest hike. Apparently they process payments on Sunday now! So I called right away, and asked to be forgiven for that one late fee, since I had never had one before (the few times I've had them with other companies over the last 10 years, they have been forgiven). The lady refused to budge or even consider it. My payment had been late by a few hours, and she still refused. So, realizing it had been a mistake to deal with them again, I logged on October 8th, and paid off the whole remaining balance, down to zero again.

A few days ago, I got an email saying I had a payment due, but I ignored it, thinking I was just getting the email because I had signed up for email notifications and it sends me emails the same time every month. The last time I had checked my account it had said $0.00! Well, I got another email, and decided I had better check it out, and I had a balance of over $50, and a late fee of $15! I reviewed my statement, and it showed my big over-$3,000 payment on October 8th, and then it shows that on that same day my account was charged $56 interest from the month before.

I called customer service (who are not my favorite people) and told him my intent had been to pay my whole account off, and if this interest charge had been posted to my account on the same day that I made the huge payment, why had it not been included in the total? He said that the cycle ended on the 8th, so the charge was calculated and posted the following day. So why does it say it posted the 8th on my statement? Why did my account show me three big zeros on the 8th after I had made that payment?

I have literally never been so angry in my life, and I have to admit I let him have it. I was shaking, full of adrenaline, and then couldn't sleep that night. I am trying to get out of debt, and I have never skipped payments or defaulted or gone into collections or filed bankruptcy, and this company has not shown any interest in taking care of customers who are actually trying! I would really like to spread the word about how horrid they are.

My Chase Debit Card Nightmare - Unbelievably Awful Customer Service
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I tried to buy a plane ticket online for $280 at, but I received an error message because I had entered the wrong security code. I entered the correct security code and clicked "purchase" -- this time, the charge was declined. I had plenty of money in the bank to cover the cost of the ticket, so I called Chase to find out what was happening. Chase explained that I had a $400/day expenditure limit on my debit card (which, by the way, I was not told about until AFTER I had opened my account) and that I had already spent $280 that day (therefore, my attempt to buy a ticket for $280 was being declined because it put me over my daily limit).

I explained to Chase that I had NOT spent $280, but rather that I had TRIED to purchase a ticket for $280, and that I first received an error message and then received a decline message. They insisted that my account had been charged $280 by Orbitz, despite my assurances that I had no plane ticket to show for the alleged $280 charge. Chase then told me what I had to do to fix the problem: call Orbitz and have them fax to Chase a confirmation that Orbitz had in fact NOT charged me $280. After that, I was assured that the charge would be removed from my account and that I'd be free to buy my ticket.

I called Orbitz and they called Chase to inform them that I had not purchased a ticket and that Orbitz had not charged my account. But that wasn't good enough - Chase insisted on a fax, so Orbitz sent it. 6 hours later, the credit appeared on my Chase account, and I went back to Orbitz to buy a ticket. As I'm sure you've guessed by now, no dice -- Declined Again! I called Chase again, and asked why the charge was being declined. The customer service representative told me that everything was fine with my account, so that if the charge for the ticket was being declined, the problem must be with Orbitz's "machine".

I refused to accept that answer (a readily transparent attempt to simply get rid of me) and after the Chase representative realized that excuse wasn't going to work, she told me that, actually, the reason the charge was being declined was that I had already spent $280 that day. I directed her attention to the $280 credit and explained the entire situation (repeatedly) to the Chase customer service person, but she simply kept insisting that I had already been charged $280 from Orbitz that day and so my attempt to purchase another ticket was being declined because it put me over my daily spending limit.

This, despite the fact that I had spent the time to contact Orbitz and have them send Chase the requested fax, which Chase had previously assured me would take care of the problem. Long story short, after spending over an hour on the phone (most of the time on hold, waiting to speak with a supervisor) Chase simply refused to solve the problem, which was clearly on their end.

In the process, Chase customer service persistently made assertions that they knew to be untrue, fed me excuse after excuse in an obvious attempt to simply get me off the phone, and in general behaved like a gang of robots who couldn't possibly care less about remedying the problems that Chase had created for me. Chase Manhattan Customer Service Is Horrible. Absolutely, Undeniably Horrible. I deeply regret switching from Bank of America to Chase, and I advise others to stay away from Chase bank.

Home Equity Line Of Credit
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NEW YORK, NEW YORK -- I sent an email to the CEO of Chase. It, of course, bounced back (I am unrecognized). Chase bank executives do not want to hear from its customers and the bank workers are too afraid to lose their jobs so they run interference, never getting any opinions up the ladder to corporate.

I have a Home Equity Line of Credit with Chase Manhattan Bank. I own a property. I recently stopped working full-time though I am looking for full-time work. I worked for 20 years in a business that is no longer a money-making field. I was approved for a Home Equity Line of Credit in May 2008 by Chase Manhattan Bank for a fairly large sum of money.

I received a notice in the mail today that my line of credit was suspended because of "negative credit information" that came up on a random credit report that Chase Bank ran on me recently. There was no warning, no directions in the letter explaining how to get my line of credit active again, nor was there any information on the "negative credit information" Chase found that caused a Chase officer to make such a final decision regarding money that the bank had already approved for allocation.

There was a phone number to call in the letter. I called. I not only called, I went to my bank personally to see if the bank loan officers there could do anything about this. I was told that I would need to purchase a credit report myself and fix whatever problem there was on the credit report and then send in a letter and a copy of the cleared credit report to Chase Bank, after I cleared up the problem. Until then - no money available to me.

Chase Bank made a decision suspending my line of credit based on 2 reports of delinquency reported by Bank of America for credit card non-payment. I fell behind on 2 payments on a credit card that is no longer active. I had closed this credit card because it was in my married name and I didn't want any association with that name any longer. My husband moved out of the country and left me with a mound of debt that I have been slowly repaying.

So Chase suspended my line of credit, after 2 silly delinquent credit card payments from another bank institution. I have been working part-time and paying all my bills. The credit bureau report from Bank America reads "consumer closed account" and delinquent payment for 2 months. Most important is that there was money paid to Bank America on the delinquent payments via a direct deposit from my Chase checking account because I had made a deal with a collector from Bank of America who offered a reduced monthly payment to me for a few months. They did not disclose to me that the reduction doesn't change the fact that the payment is delinquent.

The way it works with them, which I found out today, is that even though I paid partial payments, it is technically considered delinquent. Why would Chase Manhattan Bank choose to use this ridiculous credit report to make a huge decision over finances that rule my daily life, instead of my history of payments and business dealings with Chase?

Since Bank of America reported these 2 partially paid payments as delinquent to the credit bureau (and they should be crucified for this), my credit rating has plummeted to 520 and my home equity line of credit was suspended.

The fact that I have banked with Chase for 20 years is not significant. I had direct deposit scheduled for repayment of this line of credit. I cannot believe that Chase Bank would suspend my line of credit, because of 2 minor inaccurate reports by the Bank of America, even though I own a home and the equity in the home is enough to repay the debt. I cannot understand how Chase Bank could get away with closing a line of credit, when they are getting paid on time every month?

There has not been any delinquent payment at all on my Chase line of credit. On top of that, I have been a good customer to this bank. I'm not penny pinching and sometimes paid high ATM fees. I've travelled throughout the world and used my banking card internationally, paying large fees to Chase in addition to monthly overseas wire transfer fees - incoming and outgoing.

When you call Chase, you can't get a person with decision-making power on the phone. All of their bank employees are bound by very strict company policies and the consumer can't reach the policy-makers at Chase. There are no personal decision makers any longer available to the customer, not even in person in the banks themselves (they all blame the corporate office for the policies). There aren't any flexibility in their policies that are fair to the consumer.

This is a terrible way to do business. Sounds like they hired a cookie cutter consultant with inaccurate research on how to make more money by screwing people over. I've seen this before in various other businesses (in the long run - they all lose mega billions after their CEO's get mega million pay-offs after running these companies into bankruptcy with their genius anti-consumer theories).

Though this is a letter from a frustrated customer, it is more than that because quite frankly, they are engaging in unfair and unethical business practice. Anyone who takes a home equity line of credit is in pretty dire need of the money. And anyone who is using a credit card is too. And any bank that rescinds the money after approving it, without taking into consideration the economic situation of the borrower, is the lowest of the low.

If they were a good consumer-oriented company, they would have reached out to customers upon a red flag raised, and at the very least, proposed reducing the loan amount that the bank would make available. That would be good and fair customer service. This cancellation of my credit line, notified by a black day letter, without any information attached to it, and a robot voice on the end of the line is purely sinister.

There is really no accurate evidence that I will default on my loan. The fact that I own my home, and that this is a home equity line of credit that was previously approved for a specific amount against my home, is a guarantee of a return of the money. None of this makes logical sense. In fact, the bank will make more money if they kept my line of credit active. It is not right for Chase to penalize me for my dealings with Bank of America (which is really not any of their business). Bank of America is very wrong here and I am going to deal with them on this but that should have no bearing on my business with Chase Bank. Truly flabbergasted.

Chase Bank Employees Even Hate Chase - Chase Branch Manager Can Be Your Ally or Worst Enemy - Chase Employees Share Your Insight.
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NATIONWIDE -- The branch managers turnover rapidly at my Chase branch. It seems they last about 3 months and they are gone. I have developed a personal relationship with several ex-managers because you never know when you might need them to help you, especially with the "NSF" issues so many posters seem to encounter with this bank.

You would be amazed to know how many employees and branch managers hate Chase because of how Chase conducts business and exploits their customers. Many of the Chase employees will not maintain personal accounts with Chase because they see what Chase does to their customers and how Chase treats them. Chase micro-manages their branch managers and require them to work 6 days a week. They are also required to work a 50 to 60 hour week with 55 hours being the average so no wonder they leave.

The branch manager is your best friend in most cases. They will happily reverse your "junk fees" better known as bank fees and NSF fees, as they call them because they have a real ethical problem with how Chase robs their account holders. The branch managers reverse fees out of spite and rebellion against Chase. You will get a branch manager occasionally who is anal and will not budge on fees or reverse them so the only choice you have is to move your account to another branch or close the account(s) with Chase.

You can go to another Chase branch and explain to the branch manager what you encountered and if the manager has ethics, he/she will reverse your fee(s) and ask you to move your accounts to his branch and let him take care of you. On the other hand, you may get another anal manager who will tell you that he can't do anything for you so go try another branch until you find a manager who wants to help you.

You can also test your manager's credibility and ethics by intentionally over drafting the account with one item and then go to the bank once you get the overdraft notice and see what they do for you. You can have only $10 in your account. Go buy $10.02 worth of gas with your debit/credit card because they will only authorize $1. Your account will now be overdrawn when the charge posts tonight or the next night. Wait till the charge posts and then resume normal activity with your checking account.

Once you get the overdraft notice, go to the branch and start with the consumer banker employees first and see how they react to your situation. If you do not get anywhere with them, then ask to see the branch manager and see how the branch manager reacts.

Act like you are a regular consumer. Tell the manager you made an honest mistake and you had less money in your account than you thought and the pump did not stop in time. Ask him "Shouldn't the pump have stopped at $10 and not approved anymore". Further ask the manager "Do you really think it is fair to assess me $33 because of a .02 cent overdraft" and see what he says. If the manager reverses your fee then praise him and thank him for doing it and tell him that he is a man of honor.

Finally tell him how you have just performed a mystery shop and how you intentionally over drafted your account so you could see how Chase would handle the NSF fee and treat me as a customer. In the event he will not reverse the fee, then tell him how you have performed a mystery shop and intentionally overdrew the account so you could see how Chase treats their customers and it is obvious to you that Chase does not value or care about their customers so you will take your business elsewhere.

Chase's marketing slogan is "The right relationship is everything". Make them stand behind it as it appears from internet wide posts that the only "right relationship" to Chase is a relationship where Chase can rob and exploit you.

Arbitrary Accounting Periods vs. Clockwork Payments
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Arbitrarary Chase accounting periods win over absolutely consistent payments to the tune of a 30% rate, late fee, dinged credit report. My wife and I were Bank One credit card customers and very happy. I'm now a very unhappy, soon-to-be-ex Chase customer. And why? Because no one will step up to be reasonable about a Chase accounting system quirk. Because Chase employees aren't empowered to do the right thing. Because Chase seems to be milking usurious interest from customers on technicalities.

Although I'm making payments like clockwork, I was tagged for missing a payment. The technical issue? Chase has an accounting system that shifts payment due dates by as much as 8 days from statement to statement and I consequently had two payments go into one month and none into the next.

We got off on the wrong foot when I missed the switch of our Bank One credit card to Chase and I consequently missed a payment in June. I was very busy at work, saw a Chase bill come in but knew that my existing Chase card payment was in, and consequently missed the NEW Chase credit card payment. For that I was penalized, and should have tried reaching Chase then.

Subsequently, I moved my banks automatic payment for the card ending ** from Bank One to Chase, scheduled payments to go in for the 30th for well over the minimum, and thought we were all set. Those payments were transmitted by my banks vendor and accepted like clockwork on the 30th with the exception of October, when the 30th fell on a weekend and so the payment moved forward to the 28th.

It just so happened that the 28th of October was the last cycle day of that statement period, and so I was credited for 2 payments in October and none in November, when the statement date mysteriously moved by six days. I didn't notice. I have things set up for 30 day payment like clockwork so that nothing can possibly go wrong and I never have a late payment. Or so I thought until now.

I talked to two Chase representatives about this. They pointed out that technically I missed a payment. I explained what happened and they admitted I was being absolutely consistent in my payments (except for the month I got into trouble where the payment was 2 days early, which put it on the last day of your shifting definition of the monthly period). They admitted that the inconsistency was on the Chase side. But they could do nothing about it.

As a consequence of first the Bank One switch and then Chase's period inconsistencies:
• I've had my interest rate raised to 29.97
• I've had my credit limit lowered on this account
• I've had my wife's credit rating dinged

Clearly, I'm not happy about sending payments like clockwork and being treated like someone who doesn't. Clearly, a reasonable consideration of events shows I didn't do anything wrong but that an accounting system quirk took one of my clockwork-like payments into the previous month.

No doubt, Chase is legally correct. From that point of view, I should read every inch of fine print that comes from each of my credit card vendors every month and make sure I do everything as they demand, because otherwise I'm subject to whatever reasonable or arbitrary information they mail me. But I'm too busy. So I set up absolutely consistent payments and think that HAS to be enough to keep the banks happy.

I fully expected that Chase wanted to keep me as a customer and would be happy to help. But I was wrong and I just wanted others to know. Bottom line: Chase apparently makes more from raising the rates for a few months than they lose from the resulting customer churn and they don't care what customers think about them.

Chase shock and awe experience
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DELAWARE -- I opened my Chase credit card account Feb 2003 because they were advertising a 5.95% balance transfer rate for the life of the balance. I transferred several balances and I have paid all my payments on time. I was shocked to find Chase increased my interest rate from 5.95% to 17.24% in Feb 2005. (I didn't notice until 2 months passed). This action was taken, according to their reply based on a negative report from a credit bureau. I received a copy of my credit report and there is not one negative comment or late payment showing on any of my creditors.

Chase is citing not late or delinquent payments, rather that I have high balances and low available credit. Chase also claims that they sent me notice of these new terms and that since I did not reply and opt out of the new terms, my apr was increased. If notification was provided, it must have been in the form of an insert included with my statement. Chase sent a copy of the notice and it did not appear to address my situation. I consider this action of arbitrarily raising my interest rate to be deceptive and dishonest. It appears that Chase is looking for any reason to increase interest rates.

An associate also had his interest rate raised from 5 to 9% and he was told that it was due to the merger of Chase and J.P. Morgan. I requested that Chase honor the 5.95% rate at which I started and they have denied my request. In this letter they state that they have no “special” rate at this time, which is a lie. I have received two offers in the month of February offering “transfer balances for 4.99% fixed APR for the life of the balance”. One came with my last statement from Chase attached to my statement. The other came addressed to me and refers to my “preferred customer status”.

Of course, now they also want to tack on a 2 or 3% fee for balance transfers, so I'm not biting on that bait. This issue is never addressed in Chase correspondence. Fortunately I found some wonderful advice on another website which led me to the following instruction: “ If you want to get Chase's attention rapidly, write (or fax) your complaint letter to the 1. Office of the Comptroller of the Currency ("OCC") (you can get their address from the federal government pages of your telephone book). Also address your letter to your 2. state's Attorney General Consumer Complaint Office (state gov. pages) and to the 3.Better Business Bureau.”

Here is the Awe! It worked! Within two weeks Chase replied with another canned response, and added at the end, “after further consideration, as a courtesy”, my APR was being restored and I was being credited for the 2 months higher APR charged. I personally don't care how they word it, I just want to be treated fairly and honestly. I wonder how many thousands of people are paying higher rates and don't realize it, or don't have the time or resources to put up the fight necessary for Chase to do business fairly. Now I will wait to see how long it takes to happen.

Horrible Customer Service
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I guess I had an overdraft protection service on my checking account that I was not fully aware of. The year before, I had gone to a branch with my husband and was asking about something else. A representative at the branch decided to do something on my account without my consent and I get a credit card in the mail. I do remember specifically telling the representative that I did not need a credit card account or a credit card.

I received the credit card and never used it since. I did notice a credit card account on my accounts under my Chase login, but I assumed that it had to do with the credit card and not associated with something else. I noticed some charges on my Chase credit card that were my overdraft charges on my checking account and the fees for it. I contacted the credit card department to see what charges were these and how did they get there. So, since it was seen as being correlated to my checking account, I was asked to go to the checking account department and discuss it with them.

I was on the phone with someone and asked her to hold while I verify the appropriate checking account number. When I came back to my phone, I was pretty much hung up on and I could hear the replay of the menu that directs you to the appropriate customer service representative Finally, I get a hold of someone to talk about my checking account. I am asking her all sorts of questions about it and specifically why I have an activated credit card account and how does that work. I am trying to figure out why I have an activated credit card account when I have never used the credit card.

So, the lady tells me that I should contact the credit card company and ask them those questions since it is relative to the credit card account. I spoke to the credit card department again and the person explains to me that it is activated because I have overdraft protection. On top of that, the representative explains to me that anyone of the reps that I may have spoken to in either departments could have explained this to me and that they were just pretty much passing the buck. I am sorry, but that just upsets me even more.

I had a few more questions as she continues to explain it to me because she stated that the minimum charge from the credit card is $50, which I can see on my credit card, but I see another overdraft protection fee which is 5 bucks. From her, I am being told that I have to talk to the other department again to see why the minimum overdraft protection fees are variable.

It just got really frustrating since I am being bobbled between two different departments to get all of my questions fully answered because the overdraft protection fee is associated with both the credit card and the checking account departments and neither department is taking full responsibility of the situation. Not once have I ever heard someone even state that they will do a three-way calling with the other department to fully answer all of my questions. That would have made it so much easier on me as a client to fully resolve the issue. Me, having been a customer service representative, I have done that so many times for a client to fully resolve issues.

Want Obnoxious Customer Service? Bank with Chase!
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My, my, my, we really miss the days of Washington Mutual (WaMu)! The transition to "commercial banking" has been emotionally and financially brutal to say the least. Now unsuspecting walk-in customers are ambushed by suited predators whose devious premise is to "assist you with your transaction(s)", when they are actually lined up to slam you with the Chase mega-sales pitch.

Their tactics are more aggressive than a seasoned auto sales persons, which leads me to believe there are definitely commission perks lurking in the shadows. Prior to today, I had managed to avoid the harassment by using the ATM or flat out refusing to leave the teller line and enter into the "cubicles of deception". Well, today (1/23/11) at 10:22 AM (PST), my core Chase nerves were aggravated by an extremely rude, arrogant and argumentative representative within Operating Loss Prevention (OPL)!

My issue is quite simple, a personal check was deposited into my checking account on 1/20/11 and the funds were withdrawn from the payer's account within a few hours on the same day. My question, after two business days, why are the funds still not available? Well, I was transferred from the primary customer service office to the OPL office which is located outside of the US. After hearing the empty response from the Chase rep, I asked to speak with a supervisor/manager. He adamantly refused and became extremely upset and argumentative. His accent went from "thick to mushy" within seconds!

After at least five ignored requests to be transferred, I informed this obnoxious and arrogant man that I would not respond to his repeated statements of "The sup./manager cannot release the funds on a non-business day", and would wait silently until he transferred my call. Yes, you guessed it, I was placed on hold for five minutes! After his supervisor answered the call, she had to do additional research which meant another five minutes on hold. Thankfully, she was able to provide me with sound information and an effective resolution.

Regretfully, when I asked to receive the mailing address for written complaints, she asked to place me on hold to search for this information. Yep, another five minutes (10:42-10:47 AM PST)!!! Oh, it gets better! Much to my surprise, when she finally returned and apologized for the long wait, she claimed to NOT HAVE an address for customers to mail their complaints, but would note my concerns in their "system"! My response was that I would do an internet search to find the mailing address to their corporate office and send my letter to the President and Vice-President of their corporation.

My final request was for her to note in their "system" that as a Chase banking customer and loan mortgage client, the poor customer service I received today was nauseating, obnoxious and a total disgrace to the banking industry! Well, my search turned up this website and has allowed me to vent some steam before sending out my formal complaint letters to the Chase Executives (for what it's worth!). Thanks for offering a networking website for the people!

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Chase Bank Rating:
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1.4 out of 5, based on 46 ratings and
400 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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