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Barbara of Oxford MI (09/06/08)
I received a coupon in the mail from Chase bank that stated if I opened a checking account with direct deposit I would receive $125.00. I am the guardian and conservator of my DD sister who receives Social Security. I moved her checking account to Chase Bank and the person at the bank whom I delt with did all the paperwork. He supposidely did the direct deposit thru Social Security on the computer while I was there and told me everything was all set. I asked him if I needed to contact Social Security myself and he said no that he had everything taken care of.
The next month the direct deposit did not go into the new account so I contacted Social Security myself about the direct deposit into the new account and they said they had no information on it. I gave them the new information for the SS to go into the new account for the next month. The direct deposit for the next month did not get deposited into the new account again so I contacted SS again and was told they had no information on the new account. I went thru giving them the same info all over again and finally the direct deposit started going into the new account the following month.
The coupon stated the direct deposit needed to be started within 60 days. By the time Social Security got the correct info. for the direct deposit the 60 days had already passed. Now Chase will not honor the $125.00 coupon because it took more than 60 days for the direct deposit to begin. I feel the bank employee did this on purpose and the bank is scamming people to get their business and not honoring the coupons they send out. If the bank employee had not told me everything was all set I would have contacted Social Security myself and gave them the information for the direct deposit in the first place so that this wouldn't have happened.
My sister is on a fixed income and could have use that extra $125.00 badly. I have contacted Chase customer service about this and they say there is nothing they can do as I need to go to the manager of the bank. I went to the manager of the bank and he says since the direct deposit did not occur within the 60 days that I am out of luck. I feel they are training their employees to screw something up when they supposidely do the direct deposit for you so that it does not start within 60 days so that they won't have to honor the coupon. I am so mad and upset and feel I have been scammed by Chase Bank. They should not be allowed to get away with this. Their coupons are just a ploy to get customers.
Richard of Bronx, New York NY (08/30/08)
assistant treasurer has been difficult to work with and is not providing all the automated services as is expected in the consumer-banker relationship... such it is that I am put in harm's way when I need to transport withdrawal money. I had hoped for a better relationship --- I am P,O .A. on their acountse and I deserve all privledges and gratitudes that go with the title.
This is time-consuming and very stressful.
Heather of Stockton CA (08/29/08)
My mom received checks form Chase Credit Card to do as she pleased. Take a trip, transfer credit card balances, take a cash advance, do as you please with the checks. My mom wrote me a check so that I could move back to town and live near her for her to take care of my children and for me to get out of a situation that I was in. I deposited the check into my bank account and the following week Chase Credit Card returned the check.
When I told my mom, she called the right away regarding the issue. She was told that they would take care of it. During which time my bank froze my bank accounts and I have $400 fees on top of the negative bank balance I had to bring current in order for them to not close my bank accounts. We have been waiting for a letter from Chase for a week now and no luck. My mom spoke with them again 2 days ago and she was told that by law they only have to try to get ahold of her once and they have the right to refuse the check since they didnt reach her by phone. They also told her that they do not have to reimburse me for me bank fees that were caused do to them refusing the check.
Since Chase has not written the letter and said that they dont have to pay me back the bank fees, we are losing our vehicle - due to the whole situation. Is there anything we can do legally against them? If you were to look at the check my mom wrote to me, it is her signature no doubt about it. Why can they do this. They have literally turned my life upside down these last 2 weeks.
Ron of Seattle WA (08/28/08)
I have to add my disgust with Chase Bank. I used Quicken Credit Card for 15 years. In July 2008 Chase took over the account. They never notified me that they would no longer take automatic drafts from my checking account. They never sent me a paper statement. After 6 weeks I noticed there were no checking account drafts and contacted them. Initially they told me if I made and immediate $3000 payment they would remove the $15 finance charge. I immediate logged onto their website, signed up for auto payments and made a $3000 payment which they recorded in about 36hrs. Instead of living up to their agreement to drop the finance charges they added and additional $39 + $24 interest (up to $79 now). I feel like I am working with Chase Bank is like working with a sleazy back street loan shark rather than a accredited US national banking company.
Karen of Rome NY (08/27/08)
During a recent real estate venture my husband and I have tapped into our revolving credit with various banks. I have never been treated as poorly as with Chase. My first attempt to transfer money into my checking account with a 0% offer took over a month! First they told me the deposit had to go into the account I last paid them from. This was over 3 years ago but I was able to locate the transaction and they insisted it was not the correct account. The first two attempts at a transfer were due to this reason. Then it was suggested I use one of their checks to deposit the money into my account. It was returned as Refer to Maker and if you don't know that really means Likely to be uncollectable due to fraud This was their own check they were refusing to pay! Finally, I spoke with someone who was able to make the direct deposit into my account without hassle.
After making my first payment on the account I called to hear balance information and the recording said my account was closed. After speaking with a customer service rep I was told that my card was about to expire so they reviewed my qualifications for the card and I no longer qualified.
My husband and I both have A paper credit scores and have never had an account closed by the creditor. I will never give Chase my business again. They have ruined my FICO score. And have not been able to give me a reason why.
By closing my account (without a reason why) Chase has diminished my credit capacity which decreases my FICO score which has widespread implications. I will never do business with Chase again!
Maxine of Orange NJ (08/26/08)
I have been carrying my checks to the Chase bank in Montclair, NJ. I brought about 3 checks during the periods of 4/21/08-6/20/08. It seems that the checks may have been misplaced in the bank. By July 5th I received a letter from Chase stating that I was three months behind on my payments. I then went to Bank of America which is where my checking account is held, to inquire if checks had been cashed against my account. They were not cashed.
So I proceed to start with drawing money out of the account and carrying the payments up to the bank and in the month of July made 3 payments. In the mist of me making the payments Chase started to cash all the checks they claimed they did not received. 2 out of the 3 checks came back insufficient funds. Check 495 actually went through. On a closer look at check number 495 I notice some in the bank changed the date on my check from 4/21/08 to 7/24/08. It seems to me like they were trying to cover up some form of a mistake they had made or they were trying to pocket the cash I gave 7/25/08.
I have made several attempts to get this matter straighten out with the bank but have not success to no avail. I felt all effort to resolve this matter with the bank had come to an end when I went to the branch Manager. I tried to explain to her it seemed someone was holding my checks or misplaced them at her bank. Her response She could hold my checks and not cash them out for as long as she wants. I just need to learn to leave the money in the account.
I have occured about $525.00 in overdraft fees from Bank of America and Chase is still saying I owe them money.
Alissa of Orrville OH (08/25/08)
I filed for a student loan on August 12, and was told that it was going to take 3-5 business days to receive my loan. It is now August 25th, and I still have not received it. I called the 800 number that they provided me with to answer any of my questions, and when I called, I talked to someone named Carlos who told me that they didn't receive my fax of the promisary note that I had faxed four days prior. He told me to fax it again, so I did. I then asked him to speak to a supervisor and he said why? he will just tell you the same thing I just told you. I said, That's fine, let him. I want to speak to a supervisor.
The supervisor got on the phone, very rude, and repeated what Carlos had told me, that they didn't have my fax and there's nothing they could do. I said how could you not have gotten my fax yet? It takes a minute to go through, not five days. He told me to fax it again, and there's nothing he could do. A day later, after I faxed the promisary note the second time, I called the 800 number again. They said they still hadn't gotten my promisary note. I asked for a corporate number this time, and conveniantly, the lady I spoke with had no idea what I was talking about. I hung up with her and called the local branch of the bank where I took the loan out, and asked for a corporate number. No one knew it.
I called the 800 number again, and was transferred to a manager. I was upset by this point, school started in two days, and I still didn't have my money. I asked this lady, Mary, where it was. She told me that there's processes involved, and that it was going to take another week before I got my money. I explained to her that I had already waited a week, faxed the promisary note TWICE now, and that I needed my money before school started. I explained that without this money, I couldn't register for classes, therefore I couldn't go to school to get a job to pay the money back. She was angry with me and told me that there's processes, and there's nothing she could do. I told her that I was not notified of their processes, and that I have good credit and could've easily gone to another bank for this loan.
I was told I would have this money in 3-5 days, and now school was starting and I had no money. Once again, I asked for a corporate number. Of course, she didn't know it. I was fed up with the 800 numbers. I was not getting any answers out of anyone, so I looked online and got the President of Chase Bank. I called his office and spoke with a woman named Elizabeth. She told me to fax the promisary note, again, and that she would speed up the process for me.
In the meantime, my father had to give me his mortgage payment to pay for tuition. He should not have had to do that. My money should have long been here by now. I still haven't received my loan, or any word even on where my loan is at. I have no idea when I will be receiving it. Now he is behind 1700 dollars because of the banks negligence. If I don't get this money shortly, he could lose his house.
Natasha of Somerset NJ (08/21/08)
I had an experience with my payroll check. Twice. In September, my company gave me a live check due to a change in their payroll system. I went to two Chase banks. The first would not cash it. The second one would not cash it and the teller that was working with me gave me attitude. It got worse when the teller next to her chimed in and made me feel as small as to why I was cashing my check at the bank. I told the teller that I haven\'t been in a bank since 1999 because I deal strictly with electronic transactions and my company had caused this issue. The teller just scoffed.
Few months later, guess who is the vendor at my company? Chase. One of the Chase managers from a local branch that is scheduled to open corner me. She tried to solicit me to join the bank. I told her about my experience. The manager explained they had heard a lot of complaints from employees at my company on the day we all received live checks and they were working aggressively to fix the customer service issues at the banks. As incentive, the manager said, For your inconvenience we would like to deposit $50 in your account. The $50 is from Chase saying how sorry we are. It seemed nice, but I remember from my earlier incident on how I felt at the bank and refused. Glad I did because they got me again.
About a year later we had another payroll issue where I got another live check. Went to Chase again since they said they were sorry and all. Chase refused again. This time I had my mother with me who had retired from a bank that was much larger than Chase. My mother explained at her bank as long as you went to one of their branches they would cash your check. The manager at the Chase bank said this is their rules and they would not cash my check. So, we leave a deposit the check in my bank. A week and a half later the check still hasn't cleared. I called my bank to find out why and my bank says they are having an issue with Chase turning over funds for the check.
Because of the current issue, I do not have any money to pay my bills. I am not even sure when my money will clear.
Tonja of Canton MI (08/19/08)
Last night I checked my account after 10:30 PM and noticed that I would have only $8.00 available the following day once the PENDING transactions had been processed. I decided to make a transfer of $50.00 into that account from my other Chase account just to play it safe. The following morning I received two Chase phone alerts telling me that my account was overdrawn ($16.00). I Checked my account and notice a new transaction charge that had gone through after midnight. I called Chase Telephone Banking to see why I was overdrawn with a remaining balance showing of $33.00 from last nights transfer.
Danielle (the first rep. hung up on me) informed me that I have a cut off time of 8:00 PM in order for transfers to be counted for that day. I responded by asking how is that so when I make a transfer from one checking account to another after 8:00 PM to my Chase (checking)Debit card, the funds are immediately made available to make purchases, but not cover my pending transaction which did not occur until between the hours of 12:00 AM - 7:00 AM the next morning.
Danielle's reply was that it's your responsibility to make sure your accounts are covered and to know that the cut off time for Online/Telephone transfer is at 8:00 PM.
Robert of Middletown OH (08/14/08)
While making an ontime mortgage payment, I requested that a personal check for $150.00 be cashed. Was told by John-last name unknown but think he is a bank officer-denied cashing my check-said he would do it for a charge. I told him I would take the check to another one of my banks-fith 3rd. bank and cash it.
I told John that if they felt I was not good enough of a customer for my mortage, then I would refinance it with Hunnington-which I will. He didn't seem to care one way or another. Seems like Chase is quite arogant and I won't be making anymore payments to Chase just as soon as I can close the loan with Hunnington.
I was denied services-discriminatory. I am a older person with a disability and felt very insulted and hurt.
Amanda of Clayton OH (08/14/08)
We have 2 checking accounts with them. When one looks like it's going to be short, I'll transfer money, but usual not before they slam me with a $35 fee. I would assume that if my current balance was positive and I added momey before it became negative, I would avoid any fees. Like may others, we have also given them thousands of dollars in fees over the last several years. We are planning to go to a small local bank in the next few months.
However, the worst thing that happened involved my kids. My husband and I thought we would begin teaching them the value of saving money so for holidays and birthdays we gave them a little bit of cash. We took them to our local Chase branch and they each sat at the desk with the teller and filled out paper work, gave her their $50 and we were on our way. My son was very exited. We couldn't wait to see what they earned in interest. WE explained the idea of the more you save, the more you earn.
After a month we went back to make a deposit. My son got his new balance and he had earned about 50 cents. We couldn't get my daughters balance because the computer system went down as she was making her deposit. We got statements the first month but nothing for the next 4 months. My husband went to our local branch to see what was going on and came home with a balance for each of them. They were each $12 DOLLARS LESS than when we started. Somehow, the accounts had mysteriously changed from a youth account to an adult account with a monthly fee of $4.00.
Our fees were refunded to us but then teller said that the interest rate was so low that they would only earn one cent a month if they had a balance of $150 or more. I couldn't believe that in trying to teach my children the value of money and how to use a bank, that we got burned so badly. My daughter is convinced she earns more money by keeping it in her dresser drawer. My son, who was most exited about the savings accounts, was very disappointed. As for Chase, they really don't care.
Valerie of Plainsboro NJ (08/13/08)
The bank is charging me a NSF charge even though purchases are not made. The personal banker told me even though there are no funds in the account the debit card will go thru anywa, nevertheless they overcharged my account four times the amount.
I want all NSF fees reversed and back in my acount.
Bruce of Camp Hill PA (08/12/08)
I moved back in May and since then have made the change of address on the monthly statements for all the accounts I have at Chase, and they have either not changed the address or changed it to be the wrong address. I did not , until the last ones hand write the change but used an address label that was typed. On one that they attempted to change they have the information so meessed up that I am surprised that post office could figure out it belonged to me. I refuse to call them as I am working with a cell phone and need to watch my minutes..you would thiknk that after 4 times they would get it right.
On another issue I sent them a letter requesting that they look at a payment paln for me because of a closure of my business and lower income now from the job I am working. I had closed the account that I made the request on awhile back..the response I got back was that they could nto do anything because the account is closed....well from one other account I ahve with them that they worked out a payment arrangement with, it was closed and there was not an issue. It just seems to me that if you as an indivindual contact the credit card companies to workwith them ( which is what every one says you should do) that they find every reason in the world to ignore you, and to put you off. All I am trying to do is to work out something with them and not involve credit counselling services or ather legal aspects.
This is causing me stress, and the fact that they mess up teh addresses or do not change them ahs almost caused me to be late with payments. It is also putting a strain on my marriage in many ways...both mental and physical.
Matthew of Cave Creek AZ (08/07/08)
Two Items: Chase administrates my SBA loan and for the start up Chase granted a $50,000 line of credit. Here we are three years down the road, our gross income is up nearly $3 Million per year and profits and cash flow are the best they have ever been. They will not extend the line of credit, nor offer us any other type of credit line for construction jobs where we need to float money for 60-90 days. They charge us fees to look at our account every month or more and charge other fees for items that make me envious that I am unable to charge my customers for.
Second Item: My broker unknowingly secured a construction loan for a residential home that I was building. It took nearly 3 months to fund and then every time I needed a draw, the amount of paperwork and legwork needed caused delays to the construction work. I would fulfill their paperwork requirements and they would come up. With something else. Now that we are trying to convert to a conventional mortgage from the construction loan, they have delayed me by another month. the mortgage is for 1/2 of what the property was appraised at by their own appraiser.
My business is unable to restructure debt making my expenses higher. I am unable to bid on construction jobs over what my cash flow can handle which lowers my profit margin and hurts the future of my business because my clients want me to handle every job but I cannot. The house I built now needs to be sold because the process has taken so long and I had to personally fund a significant amount of the construction due to their stall tactics. Now since they will not close the mortgage, I cannot even place the home up for sale. DO NOT DEAL WITH CHASE BANK!!!!
Micah of Bronx NY (08/02/08)
I received (4) courtesy checks from Chase in July. The courtesy checks offered me an interest rate of either 0.99% for six months or 4.99% for the life of the balance. The credit card for these checks has a $5000 credit limit. I have a $4650 available on the credit card. I decided to use $4500 toward the 0.99% interest rate. I deposited the check into my business account as I owe my business money. I use Chase for both my banking and my credit card.
According to my online banking screen, which I check multiple times a day, the amount of the check was made available the following day. Chase does this only for other Chase checks. Other bank checks are held for an extra day or two. This past Wednesday, July 30, 2008, the check was returned out of my business checking account. I called Chase's credit card division to find out why. On this day, they told me my account was in credit review and that they would be lowering my available credit. I was of course livid that they would do such a thing after the fact. The reasoning was that according to my credit report I had $40,000 in unsecured debt.
A huge flaw in Chase's system is that part of that $40,000 was from three Chase credit cards that all used to total $10,000 in early July but that now total closer to $1,000 because I had done a balance transfer to an American Express earlier in the month. I also had another $10,000 that had been double counted between transfers to accounts. When I called back on Friday, August 1, 2008, I was told that my credit line was actually not decreasing at all and that the courtesy check I wrote was just not being honored. I had one gentleman try to tell me it was because I did not have enough credit available, but my online statements along with reviews from other Chase representatives both before and after did not agree with this statement.
Here is the bottom line: Chase offered me low interest courtesy checks as part of a promotion on the account. All four checks are good through August 31, 2008. The checks are subject to credit availability. Nowhere in the letter from Chase nor on the check does it state that it is subject to a review of my credit report. My credit line was NOT decreased, so I still have $4,650 available. I can use my credit card at the rate of 18.99%.
When I asked multiple Chase representatives whether my remaining courtesy checks are any good, not a single person would give me a definitive answer. I incurred a bounced check fee on my business checking account that Chase refuses to credit. I do not see how it is legal to make someone an offer and then rescind that offer in the middle of the transaction. If I have the credit available and follow all the rules listed on the check, how can the credit card company not honor that check?
I incurred a returned check fee and the only way I can use my available credit is at the rate of 18.99% not the promotional 0.99% or 4.99%. I also spent hours taken away from my business trying to resolve this matter with multiple Chase representatives.
Katie of Berthold ND (07/29/08)
In June, I received an offer from Chase letting me know that I had $92.00 of rewards to claim with Gift Services. I read the offer carefully and looked to me like I had a $92 gift certificate to use. I went ahead and ordered $91.82 worth of merchandise. It was nothing I really wanted, so I wasn't going to spend more than the $92.00. The merchandise came within a couple of weeks and I gave it away to friends and family because I didn't want any of it. Six weeks later, I received a charge of $91.82 on my credit card.
I called Gift Services and let them know that I had received a reward for $92.00 from Chase and I shouldn't have been charged. They went on to tell me that it was a $92.00 discount, so I contacted Chase and told them that I understood it to mean that I had a $92.00 reward to use. He proceeded to tell me that I received a $92.00 discount on my merchandise. No where in the offer did it state the original price or how much I was saving on each item. I had serveral people read the offer and they all read it to mean the same as I did.
I was told by gift services that I could send the merchandise back for a full refund, but of course I had already opened it and given it away. They didn't change by credit card until more than 6 weeks later. I have called the ND Attorney General, who I know persoanlly, and forwarded him all the information I had received from Chase and Gift Services. I would like to know if anyone else was a victim of this scam.
Cindy of Cleveland OH (07/25/08)
We had debits made, the order changed causing many, many bank fees. When I tried talking to the bank it was all my fault. The web site showed there were 4 debts from Time Warner. They sent them all back, even though Time Warner said they did not make these payments.
WARNING: If you, or chase, bounces a check or debit card, the company can keep on debiting your account. That is chase's reasoning. I also have have payments that have cleared and two days later they are reversed with many many, bank charges. Today, my account with them will be closed. I am going to pay my bills the old fashion way, with money orders or cash. We felt that chase was a good bank to use, unfortunately it was not so. There have been times, where yet, I did write a check, putting the money in the bank the same day, but guess what at least 150.00 in overdraft charges. It is just amazing to me that these banks can get away with this.
At least $1000.00 of dollars in overdraft.
David of Comstock Park MI (07/22/08)
I was recently informed from Morgan Stanley that two mortgage payments were presented to my mother's account, originating from Bank One Trust Company. Bank One is now owned by Chase Bank and I have made many calls to them to determine who is responsible for a mortgage using my mother's account information. The only thing they told me I could do was to fax a letter with copies of the cancelled checks to their research department. I did that on July 14th, 2008 and have not received a response.
I tried calling to see if they received my letter and are investigating, but the Chase customer care representatives informed that without a loan number they couldn't look that up and the research dept. does not have a telephone number. My mother has advanced Parkinson's disease and dimentia and is not of sound mind to initiate any mortgage loans. She herself is unaware of doing such a thing.
My complaint is with Chase Bank for being non-responsive and not providing proper contact information which would allow me to find out who has done this in my mother's name. Is it identity theft? I don't know. Is it an acquaintance? I don't know. If I had the answers to these questions, I would know how to proceed (e.g. make a police report).
So far, the charges to my mother's account have been $828 on April 30th, 2008 and $726 on June 2nd, 2008.
Sherri of Middlebury IN (07/17/08)
I have been charged well into the thousand's of dollars do to this practice. I will check my account online and it will be fine, but I will need to make a deposit in order to cover other checks that will be coming in. I will then make a deposit thinking everything will be ok if all my checks come in. I usually deposit more than what I need.
Then the next day they will change the order of my debits/credits to where the larger debit amount will come out before the smaller ones. This causes my balance to go under zero. Then when they put the small debits in each one will be below zero and then they will charge a NSF fee for each little debit. This will all apply before my deposit is received. This just happened to me again today, another $140 fee.
Thousands of dollars worth of NSF fees, in the past 2 years.
Jeff of Chicago Ridge IL (07/09/08)
I had taken out a internet loan, which I found out to be a scam. Another two loans appeared. After talking with the FTC they agreed my claim was valid. I notified chase to stop all aoto withdrawels, a lady agreed and said they would stop . 6 withdrawls later I'm in the hole 980.00. I filed a claim with fraud they said they would recover ALL OF CHASE'S Charges.
But no ...wait it went to collections. Even after being in collections my acct. was still debited. I talked to a mngr, His reply was. Should have closed your acct. Why wouldnt [they] call me and inform me? You would think after being 300. in the wole I would be noyified. No. It had to go to $90. + in fee's. I'm behind on mortgage and my credit is ruined.
Simaler problem? I need 19 more problems like this, and an atty. will file a class action law suit.
Oliver of New York NY (07/08/08)
I have received several letters from Chase thanking me for making them aware of the fact that I have recently changed my address. As I have not moved recently, nor made any such request of Chase, I was immediately concerned that I had become the victim of a phishing scam or identity theft. I called Chase's fraud department and spoke with a woman who told me that they would close all my accounts right away. She also ran down the list of most recent charges to confirm that there were no unauthorized purchases, and fortunately there were not. She then asked me if I had a BP gas station card, which I do not. Then she asked me for my Social Security number, which I did not want to give out, but she said that the BP card was associated with the same Social Security number as all of my accounts.
Reluctantly, I told her what my Social Security number was, and she confirmed that this BP card was indeed linked to the same number. She told me that she would suspend the BP card account in question, to which I responded with incredulity. Why are you closing my accounts, but only suspending the account of the person who is using my social security number? I immediately asked to speak with her supervisor. When I finally did speak with the supervisor, I asked again why it was that MY accounts were being closed, when I had been a customer of Chase for some 20 years and someone else was using MY Social Security number. I was informed that the person who had the BP card had been a Chase customer even longer than I had.
Wait. Are you telling me that this was a clerical error? That someone else requested an address change, and when the data was being entered in your system, MY Social Security number was entered instead of HIS? Yes, sir. And that caused all of my accounts to be switched to the new address, regardless of the fact that his account is under a completely different name? Yes, sir. I'm afraid so. I would like a letter from you stating ALL of this, please. One moment please. I was then put on hold, and when he returned, I was told that the legal department would not allow any such correspondence to be issued.
I asked for an address so that I may write a strongly worded letter to Chase and was given a P.O. Box number. He told me that as this was such a unique situation, I would be receiving new cards with new numbers via overnight mail, but as it was a Saturday, I would not have my credit cards until Tuesday. Never in a million years did I imagine that I would be defrauded by [their] Fraud Department.
At least one of the services that I use my Chase credit card for will not take credit card information over the phone; only in person. As such, I will be forced to travel (I do not own an automobile) far from my home during my free time to give them the new credit card numbers. Not to mention the inconvenience of not having my credit cards for a few days, and having to contact all of the vendors and services to change the credit card information they have on file for me. I realize this probably doesn't qualify as damages, but I feel I have been greatly wronged due to the ineptitude and inefficiency of Chase, their employees, and their system in general.
David of Bowie MD (07/08/08)
When I first went into the bank, I set up a business checking and savings account. The savings account was supposed to be linked for overdraft protection on the checking account. I also have an IRA account at Chevy Chase. After a few years, there was around a 5 or 6 month period where, as I predicted, there was no activity. Every month, Chevy Chase would charge me the service fee, which caused my checking balance to go lower. No worries, I thought to myself, if and when the balance is zero, they will just pull their fees from the savings just as we had set it up. Boy, was I wrong... the chain of events that occurred then wasn't anything I could or would have predicted. When the checking account finally got to a zero balance, I got a letter which stated I owed the bank $6 -- there were hundreds in the overdraft linked savings account, more tahn enough to cover the $6.
I decided to visit the branch near my home to get them to fix whatever was wrong. I did so within a couple of weeks. When I got there, they told me that the checking account had been closed due to the overdraft situation. Since there should not have been an 'overdraft situation' and the 'overdraft situation' was an obvious bank error, I asked them to reopen the account and fix the link between the accounts. They told me the only remedy at that point was to open a new checking account and pay the $6. I have lots of checks with the closed account number, so I didn't want to trash them for something the bank had done to me. I paid the $6 dollars from my pocket at that time and left.
The next thing that happened was that my online banking which was tied to both accounts stopped working. I could no longer have access to my checking account records which I needed to file my taxes. I went back to the bank. I explained the whole story again, and I was told that I should sign up for an ATM card tied to the savings account and them my online banking would start working again with the new card number. I did sign up for the ATM card, which took several weeks to arrive. In the mean time, I started getting a computer generated form letter in the mail every month telling me that the check card account had been cancelled. I'm still getting these letters.
I finally attempted to reaccess the online banking and it did not work. I called the customer support line, spent a long time on hold, and I was told that the online banking was still tied to the check card about which the bank is sending the letters. In order to fix the problem, I needed to agree to open another checking account. I had temporary insanity, and said OK. Back on hold for another person who could reopen my checking account with a new number. When the person came on the line, I said I needed a letter from the bank stating that they understood what had gone wrong in the first place, and that they would guarantee that it wouldn't happen again. He put me on hold -- when he came back, he said he could fix my problem if I would sign up for a line of credit. I told him to forget it...
I could not get access to my funds through an ATM or online, and could not get the transaction detail to file my taxes.
Erdal of Nyc NY (06/20/08)
Chase back was charging for two years a plan I did not authorized. Please help me to get my money back. We all having hard financial times. every cent counts.
Cynthia of Richton Park IL (06/04/08)
I called consumer fraud about a $19.95 check that was cashed against my accoutn from some grant company. I told them that I did not order anything from this comopany. Consumer Fraud said they would re-deposit the money into my account within 5 business days. They also suggested that I close out that account b/c if it happened again they would not be responsible. I checked my account 5 days later and another electronic payment was pending for debit.
I called customer service who told me that I needed to go the nearest branch, close out the account and open a new one. I went right over there (during work hours) and met with a personal banker. She went to get a woman who was more experienced in handling these matters. I notified this experienced woman that my payroll check was scheduled to be deposited on Friday (the next day) and that I needed the money to pay bills. She said not worry, the check would bounce back from the old account and she was make sure it would be re-directed to the new account the very next day and your money would be available on Saturday. I said ARE YOU SURE? She said yes the money will be in your account at 12:01 a.m. Saturday morning.
Well, the money was not there. I tried to access it with my debit card and it would not work. I called to do an automatic transfer of 200.00... twice. I still could not into my account. I went to two branches. One branch could not help me. The second branch did a memo Credit (whatever that is) and she was able to give me 100.00. I thanked the banker and told her I was going to report ms. Experience to her district manager. So I went on to pay some bills which left my account with 59.00 dollars in it.
I checked my account on Tuesday and the 59.00 was still there. Today is Wednesday. I checked it again and there sat in my new account $364.60 in the red! Now I'm histerical! I called direct and got her voice mail. I called customer service explained everything to them what happened. Customer Service said that those two transfer transactions I made went into my new account but bounced back on Monday which is why my account is the red. I said no way I should be responsible for something like that!
My account showed the amount of my paycheck and not anything extra! They sent me back to Ms. who was with a customer and will have to get back with me. Ms. gave me incorrect information about my deposit and now I am on the hook for 360.00 that I cannot afford! I am sick of Chase and I am going to get a paper check from my employer until this is straighten out. I am going to open another account with another bank.
Aaron of Mesa AZ (05/18/08)
I spent less than $200 dollars before realizing I was not going to have enough money in my account to cover it, this was because I was too sick to work for a few weeks. Now due to overdraft fees, returned item fees, etc. I suddenly owed Chase bank over $1000.
I had to get a loan, with the car as collateral, from American General to get the account back into the green. There was nothing I could do to stop the bank from paying out money I didn't have, there is no such thing as courtesy overdraft fees, that's ridiculous. I've looked and looked for a bank, or credit union, or someone that will give me a checking account that absolutely Will NOT pay people money I simply do not have! They can Wait for me to be able to pay them, they don't have to gouge me to death like this.
...banks like Chase will practically dig a grave and bury you in it, so to speak. I did manage to convince the bank manager to reverse $70 worth of fees, but since the fees that smacked me were far more than that, it was like a drop in the bucket.
Michael of Garland TX (05/12/08)
Direct TV charged an unauthorized amount of 280.00 on my acct when I had 8.00 in the acct. I asked Chase to dispute the charges and was told when I had the Routing number from Fed Ex that I had shipped Direct TVs equipment back they would start the dispute claim. I went back to Chase with the reciept from Fed Ex and the bank then says I have to wait until Dir TV recieves the boxes before I can dispute. Then Dir TV states it was for past due billing which I cannot deny. I told Dir TV as soon as my hours at work picked up I would make a payment. The next day they charged my acct without my authorization. Of course Chase is charging me insufficient funds ongoing.
Chase refused to dispute the charge and refused to close my accts so the charges continue to acrue. I have been reduced in hours at work from 40 to 20-25 hours a week, I couldnt afford to pay Direct TV at the time and cant afford to pay Chases mistake now. If someone tries to run a card and there are insufficient funds it is turned away. Chase should have turned the charges down and were only interested in what fees they can charge me. It was theft on Direct TVs part and greed on Chases part. Point is, they souldnt have and shouldnt be allowed to issue funds without a customers authorization. Checks are signed and CCs are signed. What is there to protect us against Debit cards that there was no PIN used on to Authorize the transaction. It should have been treated as a CC then and rejected for lack of funds.
I now have 400.00+ in fees and cant pay, My credit will take a huge hit and I have no idea when I can catch it up. Its all I can do to keep up with the Mortgage, car payments, insurance, gas, and groceries for our 3 kids. If I pay Chases mistake then something of more importance will not and Ill lose it, house, cars, etc.
Jessica of Denver CO (05/10/08)
Some other customer deposited a bad check into their account. When the check came back, Chase bank mis-read the name the check was made out to and decided it was my account the check had been deposited into. It then debited $21.97 from my account on 4-21-08, plus a $10 fee.
I called customer service on 5-7-08. The lady was very difficult to communicate with. I told her what happened and she replied in ways that made no sense, and repeatedly stated that I made the deposit after I told her I did not. Her supervisor told me she would send an email to the bank mgr Jeff at my request asking him to contact me.
As of 2 days later he had not. I called the claims dept as advised 5-8-08 and spoke with Amy, who informed me first that it must have been a forgery then upon a closer look that the check was not made out to me. She called me back today and said the $10 was back in the acct and it would take 24-48 hrs to get the rest. When I asked her to call the branch about compensation she repeatedly said that it would be better coming from you. She said similar things about 7 times before agreeing to contact the branch.
This branch also told me yes when I asked if the overdraft protection would be the same as my old bank, and I found out later Chase charges a $10 fee for use of overdraft protection and that when online bill pay is used the money is taken from the acct. immediately, regardless of whether the payee receives the check or decides not to cash it (thank you, Mark of IL). The bank mgr did agree to reverse one fee due to that confusion, however I felt misled when opening the acct.
I want to be returned to the state I was in before I was misled then money illegally taken from my acct. Returning money 3 1/2 weeks later does not compensate me for spending time on the phone with customer service and with the claims dept, and time w/out access to my own funds. I want proof the bank cares about its customers: money compensation or the ability to close the account without owing the $100 bonus. The clerical error was outrageous; to treat a customer reporting this error like an annoyance is much more outrageous.
Omesh of Jamaica NY (05/03/08)
My mother was held up by three individual (black females), she was given something to and lose her sense, they told her what to do and she basically do it. Ive always though this is crazy also until it happen to you or someone in your family.
She was ordered to go into the bank and withdrawal $8,000, she does not have the proper ID so they did not give it to her. The three individual then drove her to another location of Chase Bank, and thats where they go the money out of the account and left. They pushed her out of the car and drove off after a few blocks.
What I dont understand how the bank would give her $8,000. She provided three IDs include her US Passport (this has been expired since 2005), her Non Drivers ID, (this has been expired since 2000, around there) and her work ID, which just get her picture and name. Ive ask who can they give her the money without proper identification and they Ms. Roc (Branch Manager) replied, she was under some kind of Hypnotism, she was not there at the time, so I dont know how she knows that.
She also mention her assistance who the transaction was done by said they verify her by the documents and questions that the have in the computer. When I ask what questions she was verified by she cannot answer me that, she kept saying she verify her by the questions in the computer. All of this is happening at the front desk of the bank, I would suppose the bank does have an office for their Manager to take issue like this into the office. But all was done in front of all of the customers in the bank; she was very unprofessional and rude and didnt want to office any assistance. Wheres the customer privacy?
Ive asked for Chase Corporate number to file a complaint and I was told she does not have it. Please help with all advised of what can be done. The bottom line is she was under something what was controlling her, the bank should of notice that, one of the person actually went into the bank with her. They bank should of not let someone walk out of the bank with $8,000.00 without proper verification, but did. On top of that matter, no one at chase wants to office any kind of assistance.
She will not go back into that area of work, she's scared for her life. Which is not a problem with Chase, as they will not even care
Tj of Fort Wayne IN (04/29/08)
I wrote a check to someone for $980.00 in February. Somehow, I thought this check had been cashed a long time ago. At the end of April, I got online to check my account and saw that I was in the negative. The check had just been cashed in April. I had no idea that there was no money in my account, so I was using my debit card for everything, as I usually do. Chase charged me $35.00 for every debit I made after the check was cashed. I realize that I made a mistake, but the mistake cost me over $700.00 in fees to Chase Bank. Chase Bank will allow you to use your debit card even when the money is not there so that they can charge you several fees. The branch manager said she is only allowed to remove one of the $35.00 fees.
I called the bank by phone number and they transfered me right back to the branch manager that refused to help me. I was not asking for all of the fees to be removed but they could help me more than they did. I had several charges that were less than $20.00 including some that were less than $5.00 and they charged me $35.00 for every one of them. It was a stupid mistake on my part but there should be a maximum amount of fees that they can charge for one simple mistake. Because of this, I have no money in my account right now and when my tax rebate comes in, it will go to Chase Bank.
Sofiane of Chicago IL (04/16/08)
So i call chase to close one of my accounts with them that i don't use much, which also has an APR of 20%. long story short, the person assisting me start giving me financial advice, that i have never asked for,nor did i need it. so i explain that i have no use for it, she replies by telling me that i have other balances on my other accounts and i should reconsider. i am getting unconfortable so i explain again that i am very aware of how credit cards work, and that i am trying to pay off every single one of them by the end of the year, because i simply hate being in debt. she tells me i'm wrong, and if i knew about the points and and air miles on the account.
i am getting very unconfortable i ask for a different person to assist me close my account. she said she's the only one who can help me. supervisor? no i am the boss. dazed and confused, i even forgot the perpose of my call. i need to talk to somebody else...anybody....marketing...the door man...no one? she asks me my age -because i'm acting childish- this conversation went on for few more minutes of nonsense and awkward feelings. she was telling me how she manages her 4 credits cards and how she bounces her ballances back and fourth....etc. irritating, irresponsible, clumzy, nosy, careless, poor customer assistance skills.
Cassandra of Bowie MD (03/17/08)
I contacted Chevy Chase Bank today to inquire about a Cashier's check which was deposited on March 7, 2008. According to my on-line records, this check was being held, and I was unclear why a Cashier's Check would be on hold. I have deposited a Cashier's Check for $3,000 into my checking account (each month) for the last 3 years, and it has never been placed on hold. It is a check that I receive from one of my tenants, and there has never been a problem with the Cashiers Check clearing. In addition, no one in their company (Dena or Charlene) could tell me when the check would be taken off hold. As a result of the check being placed on hold, a subsequent check bounced that I had written to my builder. Of course, Chevy Chase bank has charged me for the return check. It seems to be their practice to return checks even when they see that you have funds which are placed on hold.
I called today to try to determine why the Cashiers check was held and to get reimbursed for the bank charges for the returned check because the money was there. The first representative I spoke to was Charlene, and although she wasn't very knowledgeable, she was polite and exhibited great customer service skills. She explained that the check was held, but it could not be guaranteed. I asked to speak with a Supervisor. I have been a customer there for over 15 years and felt that this new rule or policy was fair considering my history with Chevy Chase. Charlene placed me on hold and transferred me to Deana (or Dena). She had a very nonchalant attitude toward solving my issues, and her tone was very defensive instead of resolution focused. She disconnected my call during the conversation, and I am now forced with sending an on-line complaint. I would like assistance with getting my problem resolved. Thank you for your assistance.
On going fees for returned checks because Chevy Chase Bank is now holding Cashier's checks for over 2 weeks.
Brian of Tempe AZ (03/12/08)
A customer placed an order through my webstore for $14.94. Then his credit card was compromised. His bank, Chase, sent him a list of charges to approve or disapprove. He approved my website's charge by writing "yes" next to my website's name. (And he disapproved 4 other obvious fraud charges on the sheet they sent me.) So then I get a chargeback from my processor. I call them and explain that this is a mistake--because we're both looking at a piece of paper where the customer approved the charge from my webstore. The support person says she can't really explain why I received a chargeback notification, but to go ahead and fax in all the supporting documentation anyway. And be sure to call back in a few days to make sure they received the documentation and that the chargeback was reversed. So I faxed all the supporting proof of sale documentation to my processor, including the piece of paper that had the customer's approval for the charge in my webstore. My processor forwards that to Chase - and Chase approved the chargeback anyway!
Their reason was that my Merchant Account lists me as Retail Account which means I do face-to-face transactions. So since I did not provide a receipt with a card swipe, they approved the chargeback. It's obvious that the customer made the purchase online; and, he approved the charge on the phone and in writing. I called my Merchant Service account and found out I am listed as Retail (even though I only do online sales). So that's easy for them to change. (I'm not sure why I was set up as Retail initially.) So I asked my processor how to contact Chase to dispute this. He tells me (and gives me a number) I can call them--but, he says, their policy is not to talk to merchants. What kind of foolishness is that? I pay them money so their customers can spend money through their bank--and they won't talk to me!
I called the customer, and he's as irate as I am. He said tomorrow he's calling Chase and telling them that if they don't pay me, he's canceling his credit card account with them. He also offered to pay me with a check or a new credit card. But it's not the 15 bucks I care about. I don't want the chargeback on my record--especially for such a lame reason as this.
Mark of Northbrook IL (03/11/08)
When an electronic payment is sent by mail, the funds are withdrawn from the account when the payment is SENT and not when it is received by the intended recipient. Chase mails the payment 5 days prior to the due date. Chase sent a mortgage payment to Citimortgage by mail and immediately made an overdraft protection transfer and charged a transfer fee. A deposit was scheduled for the next day so there will be enough money to fund the payment. The check has not been received by Citimortgage yet. I requested the information about where the withdrawn funds are held until paid out. No reply yet. I believe they should not withdraw the money until a request for payment has been submitted from the payee.
Gail of Niles IL (03/06/08)
ID Secures partners with Chase Bank and sends my 84-year-old mother checks that if she were to cash, automatically enroll her in ID Secure costing $150 per year. My mother has a Chase checking acct. and a Chase credit card. They are targeting only aged seniors with these mailings. My husband and I also have a Chase checking and credit card, and we don't get these constant come on mailings. These need to stop. They are actually entrapment of seniors.
Judy of Spencer WI (03/03/08)
Two incidents - First, Chase Mortgage started calling me a year or two ago about a Barbara Allen. Calls amounts to two to three calls per week left on my answering machine. I had to call four times, to finally get off their calling list. I don't know how many times I had to tell them that I wasn't Barbara Allen, I didn't know Barbara Allen and I wanted them to stop calling me. Well, I received a call from them again on 2/22/08. I called the number left and when I started to explain, the woman hung up on me. I called back. I again stated I did not know Barbara Allen, I was not Barbara Allen and I thought I had straightened all this out over a year ago. I emphatically stated to remove my phone number, stop calling me and that if it happened again I would report them. I received another call on 2/28/08, I saved the recording. I called Chase Mortgage again, explained the above yet again. I was asked to hold and when the gentleman came back on he read that there was a note by my phone number advising not to call this number and it did not belong to Barbara Allen. I told them that what they were doing amounted to harassment and to stop.
Second incident involved work, Chase Credit kept c
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