Chase Online Banking

Slow updates to online account - It caused me to overspend because they do not update fast enough even though I check my online account daily. It's also a little confusing but that doesn't matter. I'm really disappointed.

This is the worst company I have ever seen. I tried to pay my mortgage online. According to the computer, you can, yet there is no way to do it - another lie by Chase. If you pay by phone a big fee, it does not tell you when the payment will be taken. I'm paying off my mortgage as fast as I can to get rid of the **.

Happy at first, but now I feel they are being criminal about their direct deposit practices. My husband would see our deposits go through at midnight Friday night. No other transactions were posted. At 3:00AM, the checks we had written for that week would go through with no problem, as there was money in our account to cover these checks. Then at 5:00AM, we would be hit with two our three insufficient fund fees for three outstanding checks which were already covered at 3:00AM! We were told that direct deposit is not always guaranteed cash so that the fees are our fault. We never had this problem with them for years. This is apparently "a new policy for price gouging". To date, our fees total is $200.

I pay my bills online. My co-op maintenance is not electronically sent by Chase. Instead, Chase pays this bill through the mail. The expected delivery is 5 days from the notification day. Chase debits my account immediately. On September 1, Chase debited my account. The check did not clear till 9/9, giving Chase a 9-day float on my money. Can they do that?

On April 11, 2011, I wrote a check to pay to T-Mobile. The check number was **, and the check amount was $89.59. About a month later, T-Mobile cut off my phone for the reason I did not make a payment. I printed out the CHASE online account activity, which shows the amount $89.59 was cleared in my account. I brought that paper when I went to CHASE and to T-Mobile many times; until now the problem is still there. This is ridiculous; CHASE does not have the copy of my check. I have to file this complaint because someone from somewhere took the money in my account, and CHASE can do nothing to protect their customers.

For years I have happily used Chase's online banking site, monitoring balances, and paying all my bills using the bill pay feature. I never had a problem until about a month ago, when my computer suddenly began telling me that Chase had a problem with their security certificates and limiting access to the website. A call to my local branch revealed that the employees there were having the exact same problem at work.

After much digging and many phone calls, I finally reached a "specialist" in online banking who explained that after a recent "security upgrade", Chase Bank's server is no longer compatible with Windows Internet Explorer-- probably the most widely used browser in the country! She insisted that Chase Online didn't have a "problem". The "problem" belongs to millions of customers, consumers, their own employees, or perhaps Windows Explorer. Either Explorer must change to be compatible to the Chase server, or all those individuals and companies that use Chase Online must switch to a different browser!

I'm in my forties and not terribly computer savvy. I have never used any other browser, nor has the employee I spoke with at my local branch. What sort of ** authorized this upgrade that alienated so many American citizens?

I was on the phone with an online service associate. I needed to accept a wire transfer from my fiance. He set up a Chase Pay by Person transfer. I went online but had difficulty setting up the account. I called Chase Online Services and asked a telephone operator for his help. He initially told me that I did not have an account. Then, he told me that I did have an account but it was not the "right one." He instructed and guided me through the "cancellation." Then, he told me that there was no record of the transaction wire. I told him that I had email records stating that my fiance tried to send me the account.

Finally, the operator told me he found the transaction and that I could now accept it on my "new account." We set up a "new account" only to learn that the transaction was not there. He then told me that I would have to cancel the original transaction and would have to contact my fiance to resend the money. He placed his supervisor on the phone who told me she was sorry, but in broad terms, could not do anything. I told her that my fiance lives in England and that it was unfair for me to have to wake him up at 12:30 a.m. to resend information. She told me she was sorry.

I was sent a coupon for $125 bonus if I opened a checking account with Chase, so I open the link that was attached to the coupon and started the process of opening a checking account. Not one time did it prompt me to enter the coupon. After my deposit was entered in the account, I didn't see the $125.00 the bank was suppose to deposit, so I sent an e-mail to online banking on 9/10/10 to see why the $125.00 was not deposited into my account and Ms ** e-mail me back and said she needed the coupon code.

I sent her the coupon code and she said the number was not valid in their system so she asked me to go into one of their branches and a banker would be able to help me. I went to the branch on 118th and hasted and I believe the young lady name was Ms. **, she called the on-line banking and explained the situation and they told her by the coupon date expiring they weren't able to help me. I continued to talk to on-line banking to tell them that the branch I went to couldn't do anything. They sent me to another branch where my account is at. I went there and the personal Banker Noel ** put the coupon code in and of course it wouldn't take it. He went and got the branch manager Ms. ** and she told me wasn't nothing she can do,since the account was open on-line they will have to handle it.

Noel ** said that his branch manger Ms. ** was going to talk to her regional manager and she will get back with me but I never hear back from her. I been back and forth with on-line representatives and banking representatives and as of today I'm still getting the run around. I open the account during the coupon time but the coupon was invalid before it expired. All I want is the $125 deposit into the account. I've been talking to someone from chase since 9/10/10 and still haven't got this resolve.

I recently changed to Chase Bank for my personal banking. I have used online payments for years with my other banks and decided to use Chase. In order for me to do this, I decided to have my pay automatically deposited into my checking account to have the money to pay my bills. As I proceeded to pay my bills, I became aware of the fact that Chase takes the money out of my account anywhere from one to five days before the bill is to be paid. I had never experienced this with any other online banking I had used previously.

This practice should not be allowed since the bank has the use of the money sometimes for days even after the check is sent to the biller. I know that this may not be the case with all the bills, but it does apply to some of the bills that the bank pays by check. In any event they still have the money in their possession for days before it is actually paid. Why should they be allowed to do this? I know that this may seem minor in amounts with my little account but I am sure that Chase as millions of accounts that they do this with, and it can add up to millions of dollars each month. If there is any way that they can be stopped from doing this, I believe that it should be followed up on.

Tried to complete a wire transfer online. Went through the entire setup that took around 10 minutes. Could not complete the wire transfer online due to amount restrictions. Called customer care for more information. Spoke to three service representatives. I was put on hold for a while. Representative advised me that I would have to go to the branch. I am forced to go to the branch and get charged a larger fee? I don't think that's fair. The first representative said that I don't have much of an option but to call and ask the branch manager. I asked for his manager, Marcus **. Marcus was extremely rude, condescending, and blunt. All opposites of customer service. Asked for his manager, Tim ** who was able to take care of me.

I have been trying to access Chase Online services which indicated that I have a password, which I can't remember. The only option they give me to access a new one is through a password available only by the phone number I had when I applied for the credit card years ago when I lived in New Orleans. I can't even remember the phone number except that it ended it 0710. I would like to have a password sent to this email address so I can begin checking and paying my account online. Thanks. John *** (xxxxxxxx)

On the evening of Monday, 4 October 2010, I was informed by a recent patron (Ms. Leisha **) that Chase bank at this location would not honor the check and told her to return the check to me. Leaving the impression that there were some underlined issues the bank needed to resolve with me, Ms. ** then went to her bank (Teachers Credit Union) to have them process the check. And after several attempts and telephone calls, they were finally told that the account did not exist.

On Tuesday, October 5th, I telephoned the bank, and was transferred to Ms. Ruby **, a manager. Ms. ** told me that she would look into my complaint, asked for my phone numbers to reach me, and would call me back after she had done her research. It is now Wednesday, October 6th, and I have not heard back from Ms. **. As of now, I have talked to three managers--to include the manager of the branch that would not cash the check initially. It is obvious that my complaint is bigger than the managers that I have conversed with that is why I am now filing a formal complaint. I got tired of the run-around and lack of urgency from Chase's lower management.

I am baffled as to why my check was not honored at this bank or any other bank when all of the number for my account was in clear view. However, Chase opted to require nine digits for the account number, versus the ten digits on my check. I have been using this check book and online banking with the ten digits until now. I do not feel that I should bear the shame this branch inflicted by ordering new checks and moving on.

I had nothing to do with this change and truly, I cannot be the only customer using checks with the ten-digit account number. As an employee with the Federal Government providing customer support and quality assurance for our Armed Forces, this is a problem that needs to be acknowledged and corrected to my satisfaction. Sending new checks does not correct the problem, nor does it correct the wrong on your behalf. I had to postpone all of my plans and attend to Ms. **, which took four hours of my time, gas and patience--not to mention humiliation.

Please, validated by my history with you, I feel that I deserve more than being ignored. Ms. ** need to be contacted and compensated for also being inconvenienced because of this branch failure to satisfy an issue created by Chase management. I did talk to a manager at Teachers Credit Union and she too believe that this could have been avoided with proper training of personnel, which none of the managers I talked to at Chase would acknowledge.

Beware of Chase online banking and bill pay. We paid our bills through Chase's online banking on a Saturday. No indication on the site that the payments would not go through (we made a cash deposit before we went home to pay bills on-line). On-line banking said "payments have been made successfully!" or some such. Five days later, no payments made. Insufficient funds.

Customer service said, "There were no funds in your account at the time." I said, "Yes, there were. We made a cash deposit before we paid bills." CS: "It wouldn't go through until Monday." Us: "Then why does your system allow people to think they've paid their bills? Union Bank does!" CS: "We're not Union Bank." Us: "Damn right you're not!"

Now we have late fees. Issue number 1: it is reasonable when making a cash deposit that the deposit should show on your statement. A purchase shows up right away, why not a cash deposit? Issue number 2: on-line banking should not allow you to think you've paid your bills without some kind of warning. Even worse, on-line banking should not say outright "payments made successfully!" This seems to us to be at the least, unethical, and at worse, illegal. We are closing our account with Chase today. Small local bank, here we come.

I am frustrated that Chase does not offer the option on their website to set up an automatic payment toward credit card debt to pay more than the minimum but less than the full balance so that debtors can make progress in their attempt to get out of debt. Other banks and credit card companies do offer three choices for automatic payments: Minimum required, set amount and full balance. The consequences are that debtors end up taking a longer time than necessary to pay off the money owed, thereby paying more interest than necessary to JP Morgan Chase. In this economic climate, it seems wrong to make it difficult for people to pay off their debt.

They sent my account to a "review committee" and that will take 5 to 7 business days. All they have to do is compare social security numbers because I know the person who did file -- my adult son. Same name but he has a different SS number.

i was one day late on bill due to an online payment, also unaware that due date change, this error was corrected then my apr increase to 16.00 and i was told would be eligible for a instrest rate decrease in 6mthns during this time my credit limited was extended and i was never late than 30 days ago i received my statement it showed an apr for 29.00% i was floored today i spoke with 3 supervisor and was adviced that this is the best rate at this time i feel completely volitated as a consumer and tax paying american citizen, i'm ready to take this fight to the whitehouse!

I was looking for the Chase Website to pay my bill online,instead of getting the $10 fee for over the phone and I noticed these complaints. I had a very similar experience. I do believe it was with a man named John and it happened in or around September 09 (day unsure). After dealing with may representatives that were willing to work with me, this man was unbelieveable rude, sarcastic, degrading and trying to get into my personal business like the other complaints.

I wanted to make one payment (I was behind 2). He said that I had to come up with the two months or he would start repossession papers. I had one month, but he insisted and demanded two months. I kept on telling him, "so you will not accept my money for one month" He said no. Then he asked me several questions, where the jeep was, what color was it, and so on. He wanted my work number and I said that is against the law to contact me at work. He kept on and on about the two months and asking more questions.

He also was on a speakerphone and I asked to be taken off speakerphone. He said he was having problems with his line. I told him I would call back and he said if I hung up, he would start the repossession papers immediately. I finally said to him, look if you want the two months,I would have to find the money and call him back. He kept on saying upsetting things to me, so I hung up. He didn't call me back, so I called the 800 number back and made the one month payment over the phone and Chase accepted the payment. I didn't have to speak to anyone, but Chase did accept the payment. I never heard from this man again, making me believe that maybe he wasn't from Chase and just a swindler trying to get my bank information.

Well the reason why I am looking to pay on line is to get ride of the $10 fee. Chase has some heartless, rudest,and vulgar representatives working for them. They didn't make me cry but they did make me upset enough to get mad and figure out other ways to make my payments. My suggestion, do what I am doing, pay on line and don't ever answer your phone, screen your calls. Chase if your reading this, remember what goes around comes around.

While attempting to access my Chase Online Account, the system defaulted to asking me security questions. I answered both questions correctly. Repeatedly. For whatever reason the system locked me out and told me to contact the customer service number found on the back of my card. I called said number, and never once was given an option to speak with a consultant, or an automated link to resolve my issue. No options were given to resolve my issue, AT ALL. I went online and called 4 different 'Customer Service" numbers that I could find. The ones whom actually spoke ENGLISH, were equally useless and uninfomed as those whom were hardly masters of BROKEN ENGLISH.

At one point, I was even given a number to contact by a Chase employee. The number turned out to be some other, entirely different company in no way related to Chase, or any of its affiliates. This was a number given to me by A CHASE EMPLOYEE!!! Eventually, I found the right combination of semi-clear english and IQ and was advised to call the number on my card and select the option "Lost or stolen Card" in order to speak to a representative....are you serious?? You have to LOOSE or have a card STOLEN before Chase will speak with you!? lol As directed, I did.

One lady(questionably)was quite rude and clearly informed me that this option was for lost or stolen cards only...she redirected me to the right department(mind you, I had been redirected AT LEAST 5times by now), which would up the original number located on the back of my card...Back to square one. I determined that I was going to keep at it until my issue was resolved, and somehow, miracuously...SOMEONE COULD HELP ME!!!! GASP! Wow! And it only took an hour, 8 phone numbers, 5 'representatives' and 1 wrong number from said rep. I see why Chase is so sucessful.....Complet custer...

Last week I was out of town and used my debit card at a cafe at the hotel we were staying at. My account was low but I was getting paid in a couple days and have direct deposit. I had more than enough to cover the two small debits at the cafe. I knew this for sure because the cafe had a computer for customers to use so I checked my balance. There were no other pending transactions other than the two small transactions at the cafe I had put through. When I got home that evening, I checked my online banking again and noticed that there was another transaction pending from later in the day from the toll authority. Apparently my transponder on my car was low on tolls so the toll authority put through an automatic debit without any warning. My account did not have enough in it that day to cover the toll authority debit so I knew I would be charged one fee. The toll authority charge was listed after the two small cafe debits so the toll charge was the last debit of the day and the only one that would have caused an overdraft.

I accepted the one fee and had no problem paying it. But after my payroll check was direct deposited, I noticed Chase had charged me 3 overdraft fees for a total of $105.00. I looked again at my online banking account and noticed that Chase had rearranged the order of the debits and put the toll authority debit before the two small cafe debits. This switch in order gave Chase the opportunity to hit me with 3 fees instead of the one. I was furious and I called their customer service department. I told them that I knew they had rearranged the sequence of the debits which maximized their fees against me and they ADMITTED TO IT.

They said they can arrange them however they choose without regard for the order the debits actually came through. I could not believe what I was hearing. I asked to speak to her supervisor and was told the same thing, that basically they can do this, it is not illegal and to bad so sad. I am closing my account and moving to a credit union when I get my next paycheck. I called one bank, which is actually a bank I used a few years ago, and they asked me what bank I was leaving. I told them Chase and she laughed and said they have tons of exChase customers coming over.

I had 2 WAMU credit cards, one personal and one business that I received e-bills for through my Bank of America personal online banking. Chase took over and the following month I received my personal "WAMU" credit card bill and it had a late fee charge on it. I am never late on my accounts and I always pay way more than the minimum or I pay off the balance. I called to ask them to reverse the charge as a courtesy due to my great payment history. The gentleman (hardly a gentleman or even the least bit nice) told me that Chase does not do that! I then asked to speak to a manager. He told me "NO". I said "What". He said that the managers do not speak to clients. I said "What"? I have never heard of such a thing. So I said fine, I will pay off the card and never use it again. Like he really cared...he is just a pawn in the whole picture.

So a few weeks later I get a new statement for our business "WAMU" credit card and I have another late fee charge. After researching the situation I discover that I did not receive my e-bills from "WAMU"-Chase like I normally did and therefore I didn't pay my bills on time. So not only did I not get my e-bill but I didn't get a paper statement either. WOW they make $78 off of me. How many other clients did they jack over and make money off of during the "transition". THEIR TRANSITION NOT MINE!

Their customer service is the most horrible I have ever dealt with. So not only do the individuals in this country get hit with the whole mortgage meltdown but then we screwed over by credit card companies because they are feeling the backlash. Well I hope the feel it when we all stop using their credit card services!

Just an FYI, I never had any problems with the banking side of Chase after the buyout. However, today I call and ask if they offer the service of transferring monies from my account (san diego, CA) to my son's account in tucson, AZ via online banking. They said no unless I am on his account also. Well I bank with Bank of American now and so does he in Tucson (and I am not on his account) and I can make a transfer into his account at anytime through my online banking.

CHASE IS HORRIBLE! If it didn't hurt my credit so bad I would close both of my credit card accounts immediately. I will be closing my bank account for sure! I had to pay late fees and now that shows on their credit history that I am sure they will use in the future when it benefits them.

I opened my Chase Online Account after making a payment for tuition in the amount of 3,800 for my son's tuition and noticed my APR had gone up from 5.24% to 12.24%. i called chase to inquire and they claim that a notice had gone out in august 2009 giving me the opportunity to opt out and close my account. Why would i want to close my account? Closing account is negative reflection on your credit report. This seems like a scam that the Chase has going on. Especially since i have an excellent credit rating. They know i would not be doing that. In addition, to have excellent credit, i alway make big payments on my account. There is no winning.

Since Chase took over WAMU they increased my interest rate and fees. I use online banking with Chase to pay my Chase credit card but somehow it takes 4-6 days to apply and during that time they charge me $39 late fee and approx. $58 interest rate which puts me over the limit and they then charge another $39 over the limit fee, then they credit my payment. This seems to be their MO - I haven't used the card in months, I keep making payments and they still keep charging the fees. This is robbery plain and simple and someone needs to stop this. How do they get away with this. The Government or someone needs to step in.

I have been very unhappy with CHASE just because they do not care about their customers aka.

Out of nowhere my online account was locked two weeks ago when I tried to login to pay my bill which was due 9/22 (as if someone had tried unsuccessfully to gain access to my account online). I tried to unlock it myself online but all options required my account number (which I don't have since I shredded the card, remember?) It was very late, I had to get up early and I had plenty of time left until due date so decided to leave it for another time when I had a chance.

- This is where I blame myself for letting the other 500 things on my to-do list, let this one go by -

I realized today (when I was doing a next round of bill paying) that I had not yet made the payment to Chase! Called their online account help line and they unlocked it with no issues - that person was actually helpful.

I explain what happened and the fact that I have NEVER, EVER been late paying my Chase card and asked if the fee could be waived. The representative told me the "bank" was no longer waiving any fees. After talking to her to make sure she understood what I was asking for (I am not calling month after month asking for this!) and I still got a no for an answer, I asked to talk to a supervisor. I just could not believe there really was nothing they could do! She answered saying there was no such person there, today, tomorrow or any other time that I could talk to.

I tried again, explaining the situation - maybe she did not understand me. Her answer did not change. There was nothing -she said - that she could do. I told her I could not believe it... while other companies are eliminating these fees, they are not only continuing to charge them but also now there is absolutely no way they are going to waive them?

Too bad for Chase Bank. If they continue on this path they are doomed by their own motto asking people to "Chase what matters", well, I know very well now that taking our money is what matters to them so this just reinforced the decision I made a long time ago, to not Chase them for my needs.

I called your online customer care center on September 8, 2009 7:02 pm, I originally spoke with Tony M. I informed him that I just received my bright house cable bill and they never received a payment from me in August. So I checked on line and saw that it had been paid on August 24th. So I called bright house they said they have not receive a payment for me in August that if the bank sent it, could they send them proof that it was sent. I assumed that wouldnt be a problem, I was a loyal customer of Washington Mutual for many year and I know that would not have been a problem for them. Tony said that I need to speak to the Claims department and he would transfer me over which I assumed he did cause the recording said that I was being transferred to a claims representative.

I was transferred to Alyssa Moore. I explain the situation to Alyssa. Alyssa informs me that the check from Bright house had been sent back to them because the address was wrong and read the address on the letter that she said she was looking at, this address did not match the one on the bill. Then she said its what my account says it is. I was currently looking at my Chases online account and that is not what my computer showed I tried to explain to her as she argue with me that, that is not what she sees. Then finally she looks at the computer and see that the address is different in her computer then on the returned mail that she was said she was looking at. Then she told me that on September 4th I went in to my account and changed the mailing address to bright house, I have been with bright house for over 3 years and why would I go in and just change a mailing address to a bill I need to pay and not know it. I explain that to her, she argues back that yes I did and I also changed my Verison account, and my gate way account.

I do not have a Verison account nor do I have a gate way account. I inform her of this and she argues back that yes I do and I change information on them through my accounting software system, Which I do not have. I go directly to chase.com to do my banking. She continues to tell me I do, so then I start to ask her may be some one broke in to my account and is messing with my information and now Im worried that I have been a victim of Identity theft, she continues to accuse me of changing it my self and that there banking system is a secure system that I changed my account. I start questioning her about Identity theft and ask her if she is really looking at my account she replied yes I am looking at your account. She also tells me that I need to talk to the claims department which I was told I was talking to. She puts me on hold for over 10 min saying shes transferring me.

At the same time I call the claims department and was talking to them on another phone then Alyssa gets back on the phone and tells me that what had happened was Bright house went in to my online account and changed there mailing address to them on September 14th I asked her how could Bright house go in to my account and change my information. Alyssa tells me that they have an agreement with bright house that they only deal with them electronically that they went in to it and change it, and they when I pay bills with them they are electronic they do not send paper checks to bright house. I asked her then what returned check was she looking at the beginning of the conversation then if you dont send paper checks to bright house, she said I never said that we dont sent paper check to bright house, were chase bank we can send paper check to who ever we want to.

Then I ask her why did they change there address in my account then on August 4th if there address on the august bill was the same as the one for September she said they must have just changed in August. Which even if it was I but in for the payment on august 24th on my online account it says that if only takes one day to pay this bill to bright house. Then I pulled a bill out from January last year. Guess what it had the same address as the resent bill. I then ask to speak to a manger.

I spoke with Alyssas manger and she listen to me, then she told me that what had happened was since I was a Washington mutual customer when bright house changed there mailing address they got a return check and would just fix the problem and re-send the check. With out me knowing and not change it to my online account. (if this were true I would have been late every month and I wasnt) Then she said with chase they refunded me the money which I saw they did on august 27th and corrected the mailing address themselves on September 4th. I got off with the manger since I figured this is getting no where and I am just being told lie after lie (I have a mortgage with Chase so Ive heard so many of them so I know dealing with your managers is useless).

I decided to contact bright house to verify the information I had been told by chase that they have changed there address. I spoke with a customer service representative and she informed me that they have never ever, ever changed there address. Just because she found so much humor in all the stories I have been told from chase she just wanted me to hear if from her manager which she confirmed they have never change there address. Which confirmed my belief that I am working with a dirty bank that instead of admitting to a simple error they would rather make up lies then apologize and correctly handle a situation. I really do not feel secure banking with Chase bank and do not think I could sleep well at night knowing that chase is in charge of my finances.

Way back in early 2003-2004, I inquired into a checking and savings account with then Bank1One. I was sold on the checking account with the advantage of the Debit Card with Visa Logo, and the savings account with direct deposit for automatic overdraft protection. The debit cards advantage on the checking account over the checks themselves was the added protection of going through the authorization process verifying account balance. Fast forward to 2009. I've now been on disability for one year, no more savings account with automatic deposit and overdraft protection, the same checking account in which my disability check directly deposits with the exception Bank1One is now Chase, and trying to live on half of what I was. To meet this challenge I've been sold on Chase Online Banking. Please excuse my ignorance and lack of a Big Brother complex. Chase has consistantly allowed charges against my account eventhough there were not funds to cover.

When I inquired as to the auth process I was told it was due to: debit card purchases and the use of my pin, Visa purchases that don't require a pin, it was an online purchase,and the merchant accepted the charge (my favorite). I then started paying closer attention. (yes I know a little too late) Chase was gracious enough to inform me this as all done as a courtesy, a courtesy that comes with a price: an insufficient funds fee of 32.00 and an extended overdraft fee of 12.50. Some courtesy. I've been made to feel the fool because "..the only way to avoid this situation is the use of the check register". Again buying into "Chase Online Banking" I kept an eye on my account.

On 07/09/2009 I had a balance of over two hundred dollars. 07/10/2009 I made a deposit to my account. I received a letter from Chase that on 07/09/2009 my rent check was presented for payment against my account, was paid insufficient, and a fee of 32.00 would be charged. I was sure I verified my balance. Using Chase Online Banking on 08/07/2009 I noticed my rent check had not posted as with the previous month. I verified my balance was over two hundred dollars at 08:01am, 09:01am, 05:01pm, and 11:59pm making screen prints at these times. On 08/08/2009 I made a deposit keeping the reciept and a bal inquiry showing a bal of 2.22 (check posted 08/08/2009. I then received another letter from Chase, on 08/07/2009 my rent check was presented against my account and again paid insufficient, a fee of 32.00 would be charged and my available balance on 08/07/2009 was in the negative of 54.78.

I called CSR Chase and knowing their "help", requested a call from their Research Dept. I received a call back from Coronica in TX. I asked her about the contents of the letter received. She was able to almost quote word for word the letter with the exception of for the P.S. "...with online banking, you can check balances any time..." We then embaked on a very log tirade. I was told to look at my account and what did it show but a check posting on my account 08/07/2009. I told her I didn't care what it showed on 08/12/2009, and that I had the screen prints from 08/07/2009 and there was no check posting or pending. No negative bal, and infact that on 08/08/2009 I had a bal of 2.22 not a negative either. The check actually posted on 08/08/2009 with a back-date of 08/07/2009. It posted the same day I made the deposit of wich didn't post until 08/10/2009 due to the weekend, but again, online banking showed a positive bal during that weekend.

When pressed for any physical proof that the check was posted 08/07/2009 I was refered to my account, there is no stamp on the check, etc. I also asked about the "courtesy" extended at a fee and my favorite excuse "...the merchant accepted the charge." I advised I had two other cards in hand, one for food stamps, the other a Wells Fargo Debit card. Neither when presented at the same merchants, approved, but declined when funds were not available even if only one cent! With her on the line I pulled up my account, looked at the check, asked where on the check it showed the check posted 08/07/2009, and repeated I had the screen prints proving no check on that date was pending or posting. She hung up!

Their statement and mine did NOT look alike. I told them that I thought that their information was falsified, because once an account is overdrawn for over a week, the debit card is no longer supposed to work, and if I had known my account was overdrawn, I wouldn't have kept using it. They not-so-politely asked me to leave.

I received a notice that my Chase Visa (formerly WAMU) interest rate would be increased from 10.99% to 14.24%. I then received a new card in the mail on 7/10/09. When I called to activate the new card, I was told the account was closed. Customer Service informed me that a letter was sent (which i never received and which they said they could not resend) informing me of this closure after-the-fact. Apparently it was closed on 7/14/09 after I received the new card. CHASE told me to call Experian @888-397-3742 which is an automated credit report order line. Upon calling Chase back, I was told again that Experian closed the account!! "WAIT A MINUTE!! I said - Let's get this straight! CHASE closed the account! Who can I speak to about this and/or to whom do I address a letter?" To which they had no clear response or information. They were very confused themselves about what to say. I have had this card for years (formerly WAMU) and have paid on time and over the minimum balance always.

On 6/15/2009, I discovered someone had stolen my checking account number and was writing checks from a fictitious business using my account. After several checks had been issued against my account, Bank of America told me I needed to deactivate my account or they would not be liable for any further fraudulent activity. Thus far, there was about $300 worth of counterfeit checks and I didn't want the big one to hit so I agreed to suspend my account. In the meantime, an electronic payment which was set up with my online banking to Chase was processed the day before, but had not actually cleared, I found out. I saw this on 6/18 and immediately contacted Chase and made the payment by phone, which was due that day. Whew, I thought. I caught it just in time! Boy was I wrong!

I got my next billing statement and there was a $39 returned payment fee and my interest rate went from 3.65% to 29.99%! Since my outstanding balance was almost $20,000, the interest alone, which of course was calculated all the way back to 5/25, it totaled almost $500. Normally, my interest is less than $60! This made my payment due almost $700 when normally it is less than $400. Of course, like many others, I was suckered into balance consolidation only to have a new vicious account manager to deal with. Anyway, no one can do anything anymore on the phone except apologize and state that this is the policy. So who made off better, the thief who wrote $300 worth of bad checks on my account or Chase who took advantage of the situation and made $500?

I have sent them faxes with letters from the Bank of America that states they have verified fraudulent activity on my account and advised me to close it. Chase has said they will reinstate my lower interest rate, but the $500 they charged for June is a matter of policy. Since when is it a matter of policy to sit and wait for your customers to make a mistake and then take full advantage of the situation? I think loan sharking used to be a term used to describe individuals who were known to use these kinds of predatory practices, but at least it was known upfront. A person would know what they were getting into. This is much worse. Companies portraying to be friendly and then as soon as you make a mistake, and in my case, completely justifiable, they stab you with a red hot iron poker. This is much worse than loan sharking.

I have had this account for over 10 years and have never made a late payment. This payment is returned due to a technicality, I made it good the next day still before it's due and my interest rates soar to 30%! How incredulous! I think we should boycott all the credit card companies, stop making payments and insist they become worthy of operating a business in this great country founded on honest values.

My story is like the rest. I took advantage of the low fixed rate to transfer other cards and business expenses, that I have been paying down as quickly as possible. I hold a $24,000 balance on my business card, and a $12,000 personal card. My business minimum payment goes from $480 a month to $1,200, and my personal card minimum payment goes from $240 to $650. That's an extra $1,130 a month that I can't come up with. I never missed a payment and always pay more than the minimum though not near 5%. What can we do? We should all post our story on our Facebook to ask everyone we know to stop supporting Chase. I know most of us don't want our friends to know our financial situation, so just say it happened to a friend of yours.

My paycheck was directly deposited into my account on Wednesday, 06/10. I was online banking on Wednesday evening after 6 pm. My dog had surgery so I wanted to make sure funds were there for two large checks to clear. The checks, as of last night, showed clearing after the line item of my pay showing a balance (available funds) of more than $2000.00. I logged on this morning again to balance my checkbook before work (at 6:00 am). It showed the same thing. I came home and found an overdraft email notification. I logged on, and the same checks that had cleared now showed a negative number, and my pay now showed being deposited after the checks. Unbelievable, this is unethical and inappropriate. This should be illegal. Please help! I called them and they said they would refund it after I argued with them and told them that I would go to my employer to get their time on the deposit and will report this to the appropriate agency (not sure who this is yet). I was with WaMu for three years, never an overdraft, never an issue. I am furious and looking for a new bank. Sure, Chase doesn't care.

I was sent a letter by Chase that they had acquired my Washington Mutual account, effective on March 9th 2009, and that my online banking and payments could still be made through the Washington Mutual online banking site. I sent my payment in early and have a conformation receipt and a conformation number for that payment. When I went to the Chase site it showed the payment, the returned payment and several $39 charges for the returned payment.

I called and it seemed that it was straightened out. I sent another payment for that month (March). The next statement for April showed no minimum payment, I still sent in a payment that was more than my minimum had been as has been my habit. The next statement for May showed an increase in my minimum by several hundred dollars and an increase in my interest rate to 29.99%. It had been at 12.99%. I called Chase and they refused to even consider what I was trying to relay to them and kept repeating that my payment was late, which it was not.

I'm just sick and tired of Chase Bank reversing the orders of my transactions to add on fees for no reasons. I have a business account with Chase for over two years, and as long as I have a large amount of money on the account, all of my deposit are made available on the next business day, but although I use online banking daily to check on the activites on the account, whenever they decide to charge me certain fees all of the dates of the transactions are changed and they even charge me a fee because their fees cause an overdraft.

I have put up with Chase hit or miss policy too long, sometimes they pay when overdraft, other times not. I have spent $1,000's in NSF fess because Chase makes sure that they earn the most from NSF as possible by reversing the order of paid items, beginning with the largest.

I originally started my checking account in 1994 with First Chicago, (they were great), which then became Bank One, (they were okay, but their online banking was horrible). Chase then took over and their business practices are criminal as far as I am concerned, plus they adopted the same online banking that Bank One had and never worked to begin with, (everything you see is 72 hours old and the bank shows one thing one day and something else the next. The only way to defend yourself is with daily screen-shots. Crazy frustration, $1000's in overdraft fees, bounce rent checks and more.

I spoke with Mr. Eric K today, and he said he would send us the proof that we did sign the paper. I told him that we did not receive an paper saying that we had a contract and if we canceled we had to pay a fee. Even Mrs. Stephanie G had not received any information about it.

Eric e mailed me the information, and I had noticed that he attached the form that we signed dated on 2/2/09, and also another paper with the information about the contract, with the name of Sarah M, dated on 05/18/09 wich is today. It is impossible, because Sarah no longer works in the company, and it is impossible the we had just seen it today.

I had been traveling outside the country and the Chase web-site was innacurate, it was unable to show my statement. I asked to have the card canceled on several occasions with several people. I sent in several copies of the web pages containing erroneous data, including address and names. I was told that they didn't want any unhappy customers and that the account was being closed as of that day.

The card was never canceled, the website never worked correctly, the data was wrong. I do not do business with companies that cannot create a simple monthly statement. I called to cancel it again. I sent in more copies of the bad data. The only responses I got over the telephone were as incorrect as the web-site data. The card cost $70.00. I was owed $44.00 of credit for the unused card, I never recieved it and the statements continued to pile up. I no longer had a card or a password. I became very ill, and unable to deal with the nonsense and waste of energy. I see that my credit has been ruined due to the bad policies of Chase Bank credit cards.

After recently drawing a loan from my HELOC, Chase somehow found my personal e-mail address and sent me an e-mail with a link to view an online statement, which requires that I register on their site to download my statement. I informed them that I refuse to use their online site for my financial information and I requested they send my statement directly to my home. Their only response is that I call their Customer Service Center, which I have also declined to do as I refuse to be inconvenienced with this process.

I told them I would register a complaint with Consumer Affairs if they did not respond with a confirmation that I would receive my statement at my home address. Naturally they have not responded, and now I have no idea what they intend to do my statement. I refuse to allow Chase, or any other financial institution force me to call them and/or force me to use their online site(s).

Chase may try to claim I am late to pay, although my Credit Rating is over 780. Also, I am now concerned the car I bought with the HELOC may be repossessed on order from Chase.

chase online services is totally NOT consumer friendly. Imformation online is totally inaccurate to consumer and in turn consumers get assessed excessive fees on their accounts. I was misled to believe merchants do not settle their accounts for several days even though chase place holds on transaction prior. So when I made transaction several days later for a larger amount amazingly the merchant settle his tranaction in one day, which chase promptly debit my account then tells me past tranactions from days earlier was settle same day.

Now all those charges being held (pending) miraculously got settle at the same time causing 35.00 on all tranaction totalling 175.00.This has been going on for years and I could never get an accurate explanation except thats how transaction are done on chase accounts. Over past year, I paid probabaly over 2000.00 in fees. Based on information I went by with online banking. This system is totally inaccurate, and does not benefit consumers in the least. If there are any attorneys out there willing to take my case, please contact me. Thank you

Chase has a tendency to withdraw funds from their customers account in a manner that is not consistent with transactions as they are made. According to them swiping your card to DEBIT OR CREDIT makes no difference. BUT Either form of payment will reflect your balance immediatley! ONline it will show pending for 5DAYS! SO now lets say you have $20 in your account and we are on the sixth day...here you are thinking these items have already been paid for because money has already been taken aside from your balance. WRONG! even though it reflected a difference in your avail bal at the time.

IT MEANS NOTHING. Because CHASE will now go in and try and pay the items or services you already recieved! on the 6th day Sometimes earlier! JP MORGAN Chase also decides which transaction they want to post first. I have had transactions on my acct from pending to post and back to pending. don't expect that a tranaction you made on the 6th will show you did it that day either! They have this (PENDING) approach to transaction that always works in their favor. Not to mention that they will post from the largest daily transaction to the smallest, hence you can get hit w/ multiple overdraft or insufficient fund fees, regardless of WHEN and HOW you withdraw.

WHAT IS THE POINT OF ONLINE BANKING IF YOU CAN'T COUNT ON JP MORGAN CHASE TO POST ANYTHING ACCORDINGLY? AUTOMATIC WITHDRAWELS INCLUDED WILL NOT POST ACCORDINGLY EITHER. THEY ARE RIPPING PEOPLE OFF!

I wish someone would file a class action lawsuit against them. I can only imagine the amount of Complaints people have on this. They are stealing money from peoples account and finding a way to justify it. All Chase cutomers need to start printing out their daily online transactions to see exactly what they are doing. YOU'LL be very surprised if you didn't already know!

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.

PLEASE STAY AWAY FROM CHASE IF YOU VALUE YOUR MONEY! I was paying online and I owe Chase $800. My payments were not going through so each time they charged me a $40 late fee and $40 return payment fee! When they did not return my payment instead they charge the $100 I thought I was paying to my credit card slowly billing me deeper and deeper into debt. I owe Chase 1500 and all I spent was 800. Please they will chase all the money you have away from you. I paid two payments not knowing they were in the same bill period in May 08 and they took it both for April. I found out today May 29th my payment was due the 28th. they charged me a $15 dollar fee for sending it in today.

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.

Was charged finance charges for two billing cycles and one late fee. Had signed up for 'paperless statements' but never received emails or paper statements alerting me that payment due! Thus, one of my payments was late when I realized that I hadn't paid that bill in a while... My account was set up properly, no problems with the email address I gave them. All messages from them state that account is set up correctly. They will not refund my fc and late fee. Haven't recvd email alerts in the three months since i signed up for 'paperless stmts'.

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.

At their encouragement, I started using the Internet to manage my credit account. I was not notified of my January statement, so I looked it up anyway. It was three days after the due date but before statement close. I paid it in full immediately.

They charged me $40.00 late fee, but I got it waived. Then they charged $125.00 interest on the $2,000 that was paid four days after the due date. They conceded it was excessive and split the difference. Then they came back again and charged another $35.00 in interest, despite the fact the account was fully paid. They said the charge is correct so they won't reverse it. I guess it partly depends on who you get on the line. Anyway, they assessed 10% in interest and fees for a payment four days late that was, partially, their fault, and only waived half of that.