Complain about a product or service

Chase Bank

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 calling for a different employee, who transfers his phone to me when he goes off site. The phone would ring at my desk and when I answered, they hung up. The number pops up on my phone, so I called back, I advised that this was a place of employment, medical provided, and that they were prohibited from becoming a nuisance at a place of employment. After four calls from four different people, I guess they finally figured out that what I said was correct, so it hasn't happened recently. How do you stop these people? I have a sickly mother and when I come home to see messages, I always thinks the worse. How many times do I have to tell people to stop. I got the stupid phone number when I moved to Spencer, it's been nothing but trouble, but the phone company wanted to charge another $60.00 to change it and they said they couldn't guarantee that I would get calls with the next number.

Just plain annoyance and frustration.

Erin of Kettering OH (02/29/08)
I got this coupon in the mail back in July/August that said if I opened up a Chase free checking account with direct deposit, they would give me $100. So I go in to ask a couple questions like minimum deposit or balance requirement, and how long does it have to stay open? They said none and 6 months. I was sold; here's some money, open it up. The plan was to use this checking account as a starting point to save for the new tC. Once I sold the supra, I would open up a savings account to transfer the money from checking to savings. Hence why I asked if there was a minimum deposit or balance. So I sold the Supra in September, open the savings as planned and transfer all the money from checking over to my savings. From then on, every pay period, I would transfer the direct deposit that had been going to checking over to savings. Last week, I finally bought my tC. State and Federal refunds were coming in, bonus was announced, I had the money.

So today, payday, I check my account online only to find that my checking account is gone (as in missing), and my federal refund that I received last week that I had already transferred into my savings was gone. I call the bank, and they explain to me due to lack of a balance, they decided to close my account. I said: Excuse me, lack of balance, yes; lack of activity, no. Where's my federal refund? She calls me back and pretty much said that due to the lack of balance, that was it. So when they opened at 9:00 a.m. I was waiting at the door to argue some more and close out my savings account. I said I could understand if there was lack of activity AND lack of a balance, yes, close the account; but I was using it. Every two weeks I had money direct deposited (as my end of the free $100 deal). I had no idea they were closing that account. I received no notice of any of this. The reason my federal refund disappeared is because it was deposited in the middle of them processing the close of my account. I had even transferred it into the savings already.

So in the end, they lost all my business. I had to call the IRS, which I was dreading. In cases like this, after the money is returned to them, I will get a manual check at the address I filed my returns from. So in three weeks, I will hopefully get a check. I have to wait longer to receive my federal tax refund, or I'm going to have to do a lot of calling around until I get it.

Betsy of Tulsa, OK (02/21/08)
Chase confirmed they had given me payment deferral. They even sent me the paperwork and told me where to fax it. I was told that having received the paperwork represented the deferral was approved, but I needed to fax it back in with my signature, which I did within 24 hours. Two months later, I learn that they were showing me as past due.

A telephone call from Chase resulted in them telling me that they did not have record of a deferral, that I was past due and they were turning me over that day to the credit bureau.

I faxed my info again, but this time to a different number, followed by a phone number of a supervisor that I could follow up with later. I began telephoning the supervisor the day I sent my fax to him and never did get to talk with him.

This has caused me tremendous stress and frustration, mainly because trying to communicate with Chase Home Finance is like next to impossible.

Irene of Brooklyn NY (02/11/08)
I went into Chase Manhattan Bank after receiving 2 emails stating someone is trying to use an atm machine and I should call them. I have no account with Chase. So I went to the bank and was told the email address was them, but not the email.

This could effort my credit.

Brian of Saratoga CA (02/09/08)
This a very good class action claim. I'm sure millions of consumers are caught by the same thing. Electronic payments are deemed not received by Chase until the transfer is authorized, even though the transfer is immediate. This is inconsistent with normal checks, which are deemed received when delivered. Someone can make 500k here without too much work.

Economic damage, damage to credit.

Alan of Locust Grove GA (01/27/08)
In October of 2005, Chase Bank reported my account to the three credit agencies as being charged off to bankruptcy, causing my credit score to drop and denial of credit. After several months of disputes and talking to Chase, they agreed that it was a mistake and said that they submitted a universal update to remove the bad information from my reports. I checked my credit reports in 2007, and the information had been removed; my credit scores were in the low 800's. Due to the data breach at Chase in 2007, they agreed to pay for one year of credit monitoring.

Fast forward to Jan 2008. I was looking into refinancing my home and found out the NON-EXISTENT BANKRUPTCY had been put back on my credit report with a FICO score in the high 600's. I will send a copy of the 2006 letter to the credit agencies and hope they remove the bad information--and see if I can get one of the reps at Chase to permanently fix the problem.

I am unable to qualify for best interest rates on home refinance because FICO score went from 821 to 699.

Daniel of Buffalo Grove IL (01/25/08)
I deposited a cashier check from HSBC Bank for the amount over $8000.00. Branch manager put hold of seven days on the CASHIER CHECK!!!! and didn't remove hold even after my complaint and offer to provide number to verify funds. I'm with the Chase for over 4 years. I was planning to change for the long time for the very bad business practices described in other complaints. This is the last straw. Good by Chase.

Im out 8000 dollars when i need it.

Mark of Lake Forest IL (12/17/07)
I went in to close my Chase Business Checking account. The business banker helping me asked why I was choosing to close my account. I communicated that I was tired of paying a $10 service fee for months when I didn't maintain an average balance of $4000 in my account and thought Chase marketing techniques were predatory. The business banker for the duration of the transaction insisted it was MY fault that I was closing my account because: a) I didn't follow up and contact someone at the bank to find a better suited account (even though I did and communicated this to him, and also mentioned I was in the lowest balance checking account they maintain - something he should have already known) and b) the predatory phone calls I had received from one of their branches were simply a person trying to help me move to a better account type (again, communicated that the individual on two different accounts called and left messages under false pretenses that she needed to talk to me about my account - only to call back and discover she was only trying to sell me something).

Regardless of my reasons, I found this banker's attitude and approach to be offensive, aggressive and rude - the very reason I was leaving Chase. I understand in most cases they are supposed to make a modest attempt to change a person's mind who is closing an account - but this was just arrogant and rude. Other than being extremely frustrated for a few hours, I'm just happy to no longer be a Chase customer.

Joseph of Norwalk CT (12/16/07)
I went online to try and pay the balance of $201.71 which was applied after I mistakingly assumed that the Statement opening date referred to the month you received your bill, in that month. Anyway, I found out that you can only pay the balance of your statement online and nothing exceeding that amount so as to pay any additional amounts that have accrued since. You also have to wait 3 business days in order to make another payment. I asked the supervisor why in the year 2007, with all the technology available, that you cannot exceed the balance in order to stop interest being applied to interest? Their answer was that I could pay the bill when I receive my statement in January. Excuse me? I would never finish getting my balance to zero based on that recommendation. I have never encountered such imbeciles and "robotoids" in my entire life.

I have my mortgage with them which means nada. I will be paying off that very soon and will write a scathing letter to the president about past and present horrific dealings with them. I will also make sure I will use my word of mouth advertising to make sure no one else is taken by this Chase monster.

I have interest on top of interest--even when trying to pay it in full, asap.

Rubecca of Woodridge IL (12/12/07)
We have a checking account with Chase Bank. They have been changing the order in which charges are coming through via our debit card and debit Visa card. They in turn charge us overdraft fees that add up. For example, if we make several small purchases on a certain day, and then one large purchase a few days later, our online banking will say these charges came through in the correct order. However, a few days later they have been changed, and Chase will process the larger charge first and then put through the smaller charges thus charging us a $35 fee per charge.

They also refuse to stop their courtesy of processing charges if our account is low or negative. They claim this is a courtesy of theirs and refuse to stop even though we have requested this stopped. We have had quite a few hard financial blows which caused us to go negative several times. Chase keeps changing around the order of charges and racking up fees against us causing us to pay them more and more. I was informed that it was illegal for them to change the order of items that come through to our account like they are doing. Can someone please help us?

We are unable to keep our heads above water because of this. Every payday we end up owing more and more money to Chase. We have three small children and a severely fixed income. We are unable to get our of this dead end loop because Chase keeps demanding more and more money in fees. We will never get our finances straighted out at this rate, and its causing us to go further and further into debt to the point that we will soon face losing our home and car. No matter how hard we try we simply can not get out of this hole. 

Scott of Orlando FL (12/12/07)
I had a mortgage through Chase which included home owners Insurance. This year the sent me a check for an overpayment on my insurance. Though I do not own the home any more I thought it was a oversight from when I did own the home, so I cashed it at the local store from me last week. I went in there yesterday for gas, and the owner tells me Chase put a stop an the payment. The company that cashed the check tells him if I do not resolve this in 7 days, Orange Co. FL will issue a warrant for my arrest.

So far it has caused stress and anxiety. I am currently under observation for Depression and Manic disorders. I have dealt with Chase on many occasions and they were always rude and an unorganized company. Being the father of three and married, I cannot afford now to pay the $390 that was given to me by Chase--payment stopped by Chase--and I have no work lined up until January 4. I have no way of paying this. I bought Christmas gifts with the money, and I will not take the bikes back that I bought for my kids just to pay for their mistakes.

Ralph of West New York NJ (12/06/07)
Last night I attempted to use my Debit card to pay my bar and food tab in NYC. The waiter notified me that my card was denied. Not only was I embarrassed in front of several people, I was thrown into a panic. I had thousands of dollars in my checking account and I thought that I was cleaned out. I called Customer Care and they told me that my card was cancelled and that a new one was on the way. Meanwhile, I had a brand new card in my possession issued less than a month earlier. Apparently they are issuing new cards with improved security features? I never received notification of this. Their only response was sorry but we can not reactivated your card and I see you have a Chase credit card, why don't you pay with that? Unfortunately, I did not have that card with me and I had no cash. I was forced to borrow $ to settle the bill from the people that I was taking out. 

A festive evening quickly turned into a extremely stressful and frustrating hour on the cell phone with customer care. I had to take a Cash advance from my Bank of America account later that evening (when I got home to NJ) at 26% APR for my immediate cash needs at a different Bank ($2 charge). In addition, I needed to take time off of work today to go to a Chase Branch to obtain a temporary Debit.

Devanathan of Irving TX (12/05/07)
I have a checking account and two credit cards with Chase Bank. On 12-04-07 I went to Chase bank with total $490 in cash. I planned to deposit $280 in Chase Bank checking account, $200 dollars in Wells Fargo checking account, and get a quarter roll in $10 from Chase. I went to the Chase drive-thru, counted the money to make sure I had $490. When I sent the money for deposit, teller (Laura) asked me to fill the deposit slip and I did for
$280 dollars and asked for $10 dollars quarter roll. But unfortunately I sent all the whole cash ($490) and deposit slip. When I got the receipt with quarter roll, I figured out that I gave the $490 to her. When I asked for the extra $200, she refused saying I gave only $280 and $10 for a quarter roll.

Barbara of Lake Zurich IL (12/03/07)
My experience with Chase Bank began when I inquired about their rates, thinking I had lost my credit card that I held with another bank.  The person I spoke with at Chase said he needed my driver's license to verify my identity and would let me know the next day about the rates.  In the meantime I found my credit card and told him I was no longer interested in pursuing an account with Chase. However, he began to call me with various offers of lower rates, offering various  options, and with follow up calls.  I asked him to stop calling.

About a week later I received my credit card bill (with another bank) which had a $17,000.00 credit. I assumed it was my husband's commission check; but a few days later I received a statement from Chase Bank Card Services with a $17,075.00 charge, which included a $75.00 transfer fee. I went into the bank to ask how this occurred, the assistant manager I met with said she would cancel the card. (I have just learned that when a person cancels a credit card it lowers the credit score, which I believe has already happened because of higher interest rate charges on my other accounts.) She also said the banks employee would not have opened an account without my permission. I asked if he was in the bank ,and she called him into the office where he admitted that he opened an account because that is what he thought I wanted him to do--which was a lie, of course. I left the bank assuming the manager would reverse all financial transactions connected to the event caused by that employee and that everything would be restored to its previous condition by Chase contacting all of my creditors to explain the unauthorized funds transfer. Later that week I received a call from the Chase Bank Fraud Investigation department saying they were following up on my complaint with their own internal investigation, which made me feel more relieved.

When the next monthly statement came showing the same incorrect information. When I called, they said they would charge me to transfer the money back even though I never authorized the transfer in the first place. On October 18, 2007 I received a letter from the Chase Bank fraud department stating that their investigation found that certain items or balances previously stated to be fraudulent in nature have been found to be legitimate! I immediately realized that Chase had decided to cover its fraudulent behavior with a flat denial of any responsibility for the current situation and compounded that with getting out of their responsibilities with the transfer of funds.

All of these problems stemming from my experiences with Chase Bank have affected my health. And, still Chase Bank has collection agencies calling me at least 5 times a day at all hours.

Tyler of Traverse City MI (12/01/07)
Where do I begin? Chase suckered me in with the promise of a free $80 when I opened a checking account. Not a good deal as Chase has successfully charged my account with $3,243 in fees to date. Some was my fault, I am not perfect. However, when a payroll check for $308.80 was taken off of our account due to suspensions, I called, enraged, and asked when I would receive the money. A representative made a note on my account about my calling and told me to call back on Wednesday of the following week to find out when it would be available. When I did so, the rep asked me what check? I see a note, however I do not see a check in the pending files. There must have been an error. It was about that time I racked up about $3000 of the fees because I literally could not keep up with everything going through, and I am currently in debt to them still a grand total of $311.80, after I put my claim into them and settled $652 and some change. I will not pay the $311, it is literally just buying me time.

Because of this all happening, I am on the verge of losing my apartment and my credit is so far down there I am quite literally drowning in debt because I couldn't pay my bills and they stacked up. I am currently looking for an attorney to find out if what they did was illegal. Who knows, I might just win!

Michael of Pascagoula MS (11/25/07)
Without any authorization and without me providing any credit card information to Trilegiant or authorizing Chase to provide them with my information, I was charged $89.99 by Trilegiant. I had no contact with Trilegiant or any of its subsidiaries by electronic, written or telephonic means. I contacted Chase credit card Customer Service who first told me they had proof I had authorized this charge, but then could not tell me what sort of proof they had - was it my signature or a telephone recording or what? What proof did they have that I provided Trilegiant my credit card information (which I did not, so I must assume Chase provided it to them). Tomorrow I will be calling both Chase's Dispute Center, Trilegiant, the Connecticut BBB (report filed) and the U.S. Attorney General's office (report filed). More than just getting my money back and stopping further charges, I intend to do everything possible to bring down legal consequences on Chase, Trilegiant and whoever else is involved in this criminal conspiracy. I am already a witness and instigator in a Federal RICO investigation of the insurance industry falling out from Hurricane Katrina, so this will just add to the fun.

This caused over-limit fees and an impact to my credit statement.

Thomas of Marshall TX (11/18/07)
Over the past year, I've been banking with Chase bank, with a workplace checking account. Every time I've written a regular check, regardless of who or what company, it has consistently taken 5-7 business days for those checks to clear my account...until now. In October, I handed my Landlord a check for the rent on the 10th, and it didn't post to my account until the 16th. This month, I handed my landlord my rent check on the 12th, after 5:30 p.m.; he had to deposit it the next day. Interestingly this time, the check somehow manages to clear in less than 24 hours, and somehow posts to my account on the 14th. The problem with this is the fact that I checked my account on the 14th, after I got out of work, to find that at that point the check hadn't been posted to my online account activity view. Due to this, I made the decision to use some of the reserved funds, which caused 4 insufficient fund fees to be posted to my account.

Only if you go low do they hit you with surprises like this which means they intentionally target your account for insufficient fund fees. There have also been several instances of my having made a deposit, to have charges that were made the day after cause overdrafts. At one point it was taking Chase almost 3-4 days to clear my payroll check deposits, not to mention cash deposits and others; the money should be available the same day. About half the time this caused overdraft fees which conveniently ate up almost any money I'd deposited.

Due to this I am now $140 short this month. Add this in to the $70 which was caused by an automatic billing from a company that wasn't supposed to bill me anymore. Chase refused to return the $70 in IFF charges, even though I had had the company in question write me a check for the amount that they had billed me, to prove my case. I was told they're only allowed to take 2 IFF charges off of an account EVER, and are only allowed to do one per 12 month period.

Abraham of Charlotte NC (10/11/07)
In August 2007, I applied for a student loan and was DENIED!!! I just received a letter that I owe CHASE over $48,000.00 I have NOT signed any loan papers nor was there ay kind of 'verbal' agreement on the phone.

They are going to ruin my credit. . . .I DID NOT GET ANY MONEY FROM CHASE!!!!!

Charles of Holmdel NJ (08/18/07)
I have an online banking account at Chase. Just recently the bank changed there ways about sending checks online. The way it used to be was, when I sent a check online, the bank would not deduct the funds from my account until the check was recieved by whoever recieved it, and cashed it. Now however the bank deducts the funds from my account when the bank mails out that check, so the bank recieves the float on said money.

John of Santee CA (06/22/07)

I had a special interest rate that had expired in June 2007. Chase received payment on the entire balance on May 24, 2007 . I was then charged 36.33 on my June statement for interest from May 16th to May 24th. Regardless of what the terms are on the back of the letter (of which I did not read where I had to pay the balance off my May 16th or be charge interest), they claim that I had 0% interest till June 2007! This is grossly misleading. May is May and June is June.

Ira of Parlin NJ (06/15/07)

Chase closed my online account; therefore I cannot view my statement. They didn’t send me a statement in the mail. I called them the 15th trying to pay my bill. I then found out that they changed my due date to the ninth. How am I supposed to know that? I can’t get online and they did not send my monthly statement in the mail.

Sarah of Suffern NY (05/14/07)

I had taken out an instant credit loan in approximately 2002 from the Bank of New York, and had been making regular payments since then. The loan was for $800 and there was about $530 balance left to be paid. The first month after BNY switched to Chase, I went into the office to make the payment on the date that it was due: 4/9/07. They told me they had no record of my account, I spoke with two people, and they told me to go home, they had no record of my account. I did not receive anything in the mail about the switch to Chase, a new account number, or anything.

However, I persisted in questioning the issue, and eventually spoke with a manager who did find my account info, and said that it showed a missed payment. I asked her what I should do, and she said just make the payment. I asked her if there would be any late fees, which there should not have been, since it was the employee's error that caused late payment. She said no. I asked her approximately three times, and she said there would be no late charges.

Then I received a bill with late charges. Not only were there late fees, but with this credit line, if you do not pay on time, they increase the minimum payment due, so the overall bill was much higher, and all of this mess was caused by employee error.

Russell of Vashon WA (03/24/07)

I had made some overpayments by accident to a closed account at Chase with no balance. I called my bank to report the error and they said they would take care of the problem. Shortly thereafter I got a check from Chase which I cashed. I thought the issue was resolved. Months later I got a call from Chase customer service saying that I had not paid my bill. I told them I didn't have an account and shouldn't have a bill. They indicated that there was a $400.00 balance. They sent me a statement and a letter indicating that my bank (B of A) had reversed a fund amount of $400.00.

After determining that B of A had indeed gotten and extra $400.00 back I immediately wrote a check for $400.00 to Chase and asked them to take off the charges as this was a mistake that I had corrected and was not related in any way to my closed charge account which I was not reactivating. . Chase did reverse a few charges but maintains I owe over $150.00 which I have told them I will not pay. How can these people get by with this?

 Roberto of Winnetka CA (03/20/07)

In the month of June 2006 I decided to transfer my credit card balance of $3,292.38 to Washington Mutual bank. On June 13th my Chase bank statement shows that Washington mutual sent them a check of $2,500.00 paying off my credit card balance it also showed they (Chase) received a second check for another $2,500.00,this happened in July I thought I had to pay from these courtesy checks from WAMU so I sent it. After both checks were received Chase sent me a check for $1,552.13 Stating I over paid.
Today I am paying both Washington Mutual and Chase bank because none of them bother to look in to the issue as long as I pay my monthly minimum. Today both Chase Bank and Washington Mutual have harassed me over the phone at all hours of the day plus any day of the week to pay them. I try to explain the mistake both banks have made but no one listens. I have no other recourse but to make this complaint.

Victoria of Columbus OH (03/15/07)

My husband and I opened a checking and a savings account. The savings was set up for odp. A few months back I was laid off from my job, so we did a lot of transferring of funds between the two accounts. Chase converted our savings acct. into a checking, but didn't tell us they removed odp. I was charged $350.00 of overdraft fees, even though there was money in our other checking acct.

Because of this I cannot afford to pay daycare this week for my 2 children and more than likely will lose the job I have currently, because of the other bills we HAVE to pay. What's worse is my husband works for Chase!

Susie of Allen TX (03/07/07)

I had a credit card with Chase Bank with 0% interest for a year. My balance was $3,500. I lost my job but had credit protection so my payments were frozen. The month I got my job back they immediately raised by interest rate to 29%. No amount of talking to anyone would lower it. They would not agree to restructuring of the debt through Consumer Credit Counseling either. The $3,500 has increased to $5,800 with interest, finance charges etc and I refuse to pay it.

Aimee of Jonesborough TN (02/26/07)
When paying my credit card bill last month I made an error when I wrote the check. The amount owed was $275.00. I put this amount in the box on my check, but when I wrote the amount below I mistakenly put two hundred and 75/xx. I was unaware of this discrepancy until I received my February statement. On this statement the company had raised my increased my interest rate from 3.99% to 23.99%, and was also showing my account delinquent.

My husband and I have been customers of Chase for at least 7 years and have never missed a payment or made a late payment. To add to this Chase had frozen the account because of the $74.25. The customer service said that since it was my mix-up there was nothing he could do.

Martha of Alvord TX (02/15/07)

In 2001 my husband and I purchased a truck through Bank One, which Bank One sold out to Chase Bank. Our interest rates went way up, due dates on the auto finance and credit card changed, which made our payment late. In May 2006, my husband was diagnosed with cancer. We purchased the credit life on the auto at the time we signed the finance note, and called Chase Bank Auto Finance to get the credit life for my husband started. The female we spoke with told us we had none, but we needed to pay our payment.

For 6 months while we were trying to locate our credit life paper's (we moved, and our children put things up for us) we had phone calls from representatives of Chase Bank 4-6 times a day, 7 days a week. We had to sell anything we had of value to pay as much as we could on the loan, because they said they were going to repo the only transportation we had to go to the doctor's and hospitals.

We had a change of heart from one woman that worked at Chase Bank, she begged not to have her name repeated for fear of losing her job. She gave me the name and claim # that I needed to get the disability started. She said it was not right for what Chase was doing to us and she wanted to help! Thank God for people like her. We called Standard Guarantee Life Ins. Co. Financial Claims Dept. and after 6 months of fighting with Chase Bank, the payments was being paid, only the payments are always late to Chase and a late charge is being added to the payoff and service charges are added each month. We are now ruined as far as our credit goes.

Jennifer of Los Angeles CA (11/01/06)
I would warn anyone to stay as far away from Chase as one possibly could. I was not a customer of Chase, they happened to buy out the bank that I was dealing with. This was a horrible thing to happen. I have had nothing but bad experiences with them. The customer service reps are extremely rude. I even had a so called supervisor by the name of Miss Garcia practically threaten to put false information on my account after I told her she was not helpful and I wanted to deal with someone else. After they took over, my interest rate was raised to 29%. After about a year, I called to request a lower rate and was told that a lower rate was not available. Impossible! My rate was raised in the first place because according to them I had too much credit. I wish something could be done about them. They shouldn't be allowed to get away with this. If you ask me it's a form of theft.

Timothy of P;easant Hill CA (08/07/06)
My original account was with Bank One. I set up an automatic monthly payment of $200 with Bank One when I opened the account. They were subsequently bought by Chase and, even though I have had a zero balance since May of 2006, the company continues to withdraw $200 from my account every month. I have called numerous times to attempt to resolve this matter and have been told that no one in the organization can get computer access to stop these payments. Chase has issued me refund checks twice, once in June and once in July. I canceled the card in June. Upon checking my bank statement on August 6th, I see that Chase yet again taken $200 from my account. I find this to be totally unacceptable.

Kevin of Littleton CO (04/05/06)
Briefly: After settling on a minor reduction in charges for overdrafts on April 4, 2006, I paid them immediately. The next day Chase charged me for 3 more overdraft charges ($96) when there was no new account activity since April 3rd. They refused to refund the $96.

They charged my college student son a total of $432 in overdraft charges in 10 days and reduced that amount by $96. Thr next day they charged another $96 for overdraft charges when there was no additonal activity since I paid off the previous charges. I think Chase cheated me out of $96.

Marion of New York NY (11/01/05)
Breach of express promise to reverse all, and or part of bank fees assessed against my personal checking accountamounting to a sum in excess of $450.00, and or provide me with next-day resolution to my benefit of excessive fees discretionarily assessed againt my account. Pattern of conduct indicative of abusive treatment in context of fiduciary relationship. Breach of trust; ethical breach.

Robin of Jamaica NY (10/16/05)
On 9/1/05 I deposited at my Chase branch two money orders each $500.00 and a $1731.00 tax return check.I found out the bank lost one of my m.o. and short changed me $500.00. The assistant manager credited my acct for the $500.00, then took $500.00 from my acct.a month later because the m.o wasnt found by the bank.

Chase Bank is responsible for my money that I deposited through their teller-I have the deposit slip and copies of the m.o's and tax return check. I want my $500.00 back.They are liable.They went into my acct. without my permission and took out money to cover the lost money order that was in the Bank's possession.That was my auto insurance down payment!

James of Houston:
I use the Chase electronic bill paying service. My compaint is the amount of time it takes from the moment I pay my bill electronically (they debit my account immediately) until they actually pay the bill. I don't know the average time they have my money, but it can take between 5 to 10 days for them to pay my bills.

Is this a typical practice within this industry? Seems like a nice way to use the depositor's money for free. Some bill payments have taken longer than I thought they should. I was warned by Chase that this would take time so I have little to compain because I enjoy paying my bills electronically. I wish it were faster; especially since it's "electronic.

Merv of New York, NY, writes:
In the past, when a check was written, the amount was not deducted from the checking account until the payee cashed or deposited the check. By seeing when the amount was deducted, one could tell if the check was cashed.

Under on-line banking, the amount of the check is immediately deducted, giving the bank more time to use the money, and there is no way to tell if the check was cashed.

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