Complain about a product or service

Chase Bank

Rich of Denver, CO October 10, 2009

A series of bad business practices including inadequate disclosure, false filings with credit agencies including a false charge for 8, double cycle billing which was not disclosed prior to billing.

They have since removed the false charge of 5 for what was claimed as a service fee posted after the final and last payment of 2550. However, before I knew that I was charged 5, they gave the three credit scoring companies a report that I was delinquent for 5 or 8, which was untrue in the first place, and even if it were, it is unreasonable to make such a posting. This has damaged my credit score and ability to restore a previous credit line.

Deborah of Dunwoody , GA October 10, 2009

In 2004 I was employed with Countrywide Home Loans and was transferred to Sarasota Florida with them. I use an employee visa card for moving expenses and to live on during the transistion. I am a 60 year old female and I have been in the mortgage business in Atlanta Georgia for 17 yearss. I am 100% commissioned loan originator.

Needless to say times are very hard right now my income has dropped drastically over the past two years. I moved back to Atlanta in May of 2006 and I have been involved in some of the works years I have ever seen in my life time. I transferred balances to the visa card to get the lower interest rate they offered to keep my head above water and keep my home. I owe Chase 20,000.00 and I have been contacting them since June of 2009 to attempt to get on a modification program to no avail. I have begged and pleaded with them to help me and have been turned down by every program they offer to some people.

I had never been 30 days late on this card until July of 2009. I had been told by one of the manager's in customer service that they would submit my request for a payment plan to reduce the interest rate from 14% back to a reasonable payment. I was told to call back in 3 or 4 days and check on the approval, only to be told that I had been declined for any help. The apyment was due the next day and I struggled and made the 1000.00 payment and they still put the negative 1 X 30 day late on my credit reportwhich caused my credit scores to drop from the high 700 range to mid 600 range.

In all of the 45 years that I have had credit I have never had a late payment or even a bounced check. My credit has been immaculate. Now thanks to Chase every credit card that I currently have has reduced my limit down to nothng. For instance I have been a member with American EXpress since 1987 and they have reduced my limit to 1200.00 from unlimited due to the negative ding to my credit scores by Chase.

I contacted another manager at Chase customer service begging for help and I was told that the only way they could submit my reqest for another program was if I opted out of the one I had started in June with the payment of 460.00 which half of was the increased interest on my balance. Si I opted out of that program and applied for the one year or 5 year payment plan that the full payment with reduced interest rate would go towars the balance with no penalities or interest.

One week later I called to check on the progress and was told that I had been declined again, they could not give me a reason and pretty much said sorry send the money. Finally in desparation I went to a local Chase branch here in Atlanta and asked to speak with a manager, I asked him to contact the appropriate department to find out why I could not get help. He di so and I was put on speaker phone and the customer service manager sdaid and I quote "Ms. c. why should Chase help you when you are current on all of your other credit cards?" That was a correct statement by this person and the reason was because I had used the checks that Chase sent me to consolidate most of my debt to their card at the promise of a lower payment.

I was shocked, the manager at the local branch apologized and I left devistated. I now have 6 letters from Chase denying me for any program, the manager that day said and I quote "You have just wasted your time applying for all these programs because one you are turned down you are never eligable for any program!" I asked him why had all the customer service representatives lied to me and wasted my time trying to get approved so many times and he said "I dont't know the answer to that question."

In the final analysis I have made Chase aware that I can not and will not pay them anything until they reduce the interest rate, remove all the fee's, and put me on a modification program. As late as this afternoon they refused to help me again, they call me every day. Chase referred me to one of the consumer credit companies that they are referring people to, Green something and I spent hours on the phone with them only to be told that I would have to pay them a monthly fee and that they might could get the rate down to 6% but could not promise that Chase would do anything.

I have even gone so far as to contact Jamie Daimon's office direct, of course he was not available but his secretary listend to my plite and transferred me back to customer service who declined my request again. My credit report is perfect except for Chase and in fact my home loan with Countrywide/Bank of America is in the process of being modified. Fortunately because I started this process in November while still with Countrywide and as an employee I was escilated to upper level management and they blocked my credit report so that my credit was not ruined.

So it appears that all of my payments are current but in fact my home mortgge is not. I was so grateful to Countrywide for not putting anything on my credit and thought that I was blessed to have a perfect record and I offered to send Chase the modification agreement to review and they said that would not help.

I did not have any other income February March and April due to the take over and market conditions deteriorating. The most important thing to me right now is to save my house and get back on my feet. I have been working a part time job on weekends when they need me at a furniture store, this has at least put groceries on my table. I have no idea if you can help me or not but I will go to any length to see that Chase is not allowed to practice this kind of banking in ythe future.

Nancy of Gresham, OR October 10, 2009

On October 7, 2009 we made a deposit of a check, drawn on Bank of America, we specifically went to a teller with the previous understanding that this would shorten the time of posting of the check to the account. We previously understood that we at least had an instant 100 available.

On our first attempt to use the debit card it was denied. During regular business hours we called the number on the back of the card and were connected to someone in MANILA. We requested to speak to someone in the United States, that transfer resulted in yet another representative in MANILA, again I was transfered and again the representative was in MANILA. Apparently, Chase does not have any of there customer service functions handled in the U.S.

I got in my car and drove to the branch and loudly announced to whomever was there that I wanted to close my checking and savings accounts and have my recent deposit check returned to me. Fortunatly, for the bank, all of my requests were accomplished, not without the branch manager telling me to "calm down". We opened our WAMU accounts, checking, savings, credit card, over 4 years ago and were very happy until Chase took over. They have completely changed policies and procedures that were followed by WAMU and clearly do not care about there depositors.

Laura of Monaca, PA October 10, 2009

Chase did not process one of my online payment I made (their fault), therefore when I caught it my payment was ONE day late, and they blammed me for not writing down the confirmation #, even though they did not do their jobs. This meant that b/c of the "late payment" (which technically was not a late payment), I "breached my contract" and needed to start paying interest (I had 0% APR for 1 year on a balance transfer).

They refused to do anything about it...terrible customer service. I refused to pay them any interest, so I borrowed money from someone to pay off the credit card thinking the nightmare was over...boy was I wrong. they cancelled my account (which I have no problem, but it looks bad on my credit report) and NOW there is no balance and they are charging me a 1 finance fee b/c I did not pay off the whole balance in one sitting.

I can go on forever. I have never felt so cheated and this is ROBBERY of good people, who pay their bils, who are trying to get out of debt. I am furious w/ Chase and will NEVER do business with them again. I hope others feel the same way! I have many other credit cards who work w/ you, and I will stick w/ them.

TAM of MARINA DEL REY, CA October 9, 2009

This bank has been bailed out by our governement by using our tax payer money and continued stealing money from their customers. I recently ran accross multiple unauthorized charges on my checking account. Immediately, I contacted CHASE claim department and reported these charges as unauthorized and fraud. The customer service told me that there is nothing could be done. I asked to have any further charges to be blocked from my account. One week later, 25 more charges appeared on my account. I again contacted the claim department and once again was told that nothing could be done except filling out the affidavit form. I asked the customer service again to blocked every internet charges from my account and patiently waited for the affidavit form to be mailed to me. Two days later, there are 10 charges from several off-shore proccessors appeared on my account. This time, I went to local branch after my long working day to seek help.

The local branch assistance manager, Dr. Saul L told me that there is nothing they could do at the local branch. I demanded him to contact their claim department while I was at their branch. The customer service introduced herself as "Jill" and refused to disclose her full name. When I asked her for her full name, she immediately transferred me to her supervisor. The supervisor was very rude and accused me of asking his employee's personal information. I again politely asked hime for his full name. He refused to give his full name and instroduced himself as "Rober." I guess all Chase customer services are celebrities. Therefore, they can only be addressed as their first name like" Madonna or Cher!" Mr. "Robert" again told me that nothing could be done and hung up when I asked why my account was not closed per my request! I desperately asked Mr. L, the local branch assistant manager for the affidavit or Federal regulation E form to fill out the dispute of these charges. Mr. L has no idea of these forms. After a long discussion, begging, and reasonning with Mr. L, I was promised that he himself and his assistance will look into my case and will try to find some solutions for this situation. I have not heard or received any form from Chase. In the mean time, I continued watching these unauthorized charges, overdaft fees and service fees appeared on my account.

Megan of Hermosa Beach , CA October 9, 2009

I had no access to cash for 3 full days. This is my letter to Chase that they never responded to:

You have officially lost a customer. I have already had Chase hold my money hostage because they could not get their systems together. Officially in your system, I am a Washington State customer even though I have lived in California for 8 years. Because of this, I have to wait for my checks to post for deposits and have to fill out a check to make a withdrawal to then cash. I went to cash checks before a holiday weekend at a local branch and they could not do it. My checks were from B of A and the person (Chase employee) kindly suggested that maybe I could try there to get cash.

I have had my Washington Mutual account for 14 years and I can no longer get money when I need it? So I have fared the storm of this unhappily, however when my debit card got denied on Saturday and I learned that one of those (special) checks had been debited twice I was shocked. I calmly realized that you would fix it quickly because it has to raise all kinds of red flags that I am 1300 overdrawn. However, when I went to the local branch for resolution I sat while the branch manager who dialed at LEAST six numbers to try to get an answer.

After I had spent the majority of my lunch break waiting for resolution so that I could have cash, the manager kindly said to give him my cell phone and he would try to get to the bottom of it himself. I talked with the manager who said the resolution would take 5-7 business days to get my money restored. Does Chase bank understand that I do not have CASH for this length of time? Does Chase bank understand this is unacceptable?

GEORGE of SAN MARCOS, CA October 8, 2009

I have business checking and morgage since 1989. Keep excelent payment and credit score is 755. Built my available credit high enough to survive yearly up and down with no problems for fourty years! I elected to pay extra 220. Per month for eigheen years was told this would save a lot of interest and have the home equity access discribed with original loan without refinanceing. Today 10/08/2009 a series of events may ruin my record my future I may have to close ---- welding and terminate my employees. Because systematicly all lines of credit have been suspended or closed. All credit card cash advanced or reduced none overdue or defalt no history of any! The notice to hold deposited checks has caused my customers and theirs the same delay each this domino effet is hapening now!!!

EDWARD of APOPKA, FL October 7, 2009

Same as everyone else that is complaining about these scam artists. They paid one check for 75, then paid 4 debit charges of appx. 33 for all of them, and charged me 136 in NSF (4 debits) fees. THEN, due to the NSF fees, they returned 2 checks, at 25 and 11.53, and paid 3 more rediculously small debit transactions, which the 2 together didn't amount to 15, now they tell me I will have another 170 in NSF fees deducted tonight. I spoke with an idiot, aka customer service rep. Got nowhere. I immediately went to the local branch and took all available monies out of the bank. Took the cash to my mortgage holder, an individual, so she would not deposit the check I had sent her, and went to my local credit union and opened an account. It took every dime I had to catch up on as many checks as I could, knowing they were going to bounce. I still have bills to pay, and no money, OH, THAT'S RIGHT, the same thing happened to me 2 weeks ago to the tune of 170 in fees! I have seen the manipulation spoken of as far as the way accounts are posted. I especially love the way these crooks take a pending debit, or check, and immediately ding your account, but if you deposit any check, it does not get credited until the next business day.

Kathy of Orlando, FL October 6, 2009

On Oct 1st I made a deposit at my local branch and noticed a big discrepancy in the balance, after checking my balance online, I went into the branch to notify them of an UNAUTHORIZED charge to my debit card from a hotel that my son was staying at. I had paid for three days of my sons stay while he was looking for work, he paid the rest of the time in cash.

On a few occasions the hotel KNIGHT'S INN KISSIMMEE, FL charged the room to my card, I called and told them repeatedly that they had no authority or authorization to do so, they reversed the charges. On Oct 1st the hotel charged 218.80 to my account

As I said I went into my branch and spoke to Wafa L., who immediately tried to help me. SHe was told the entire story and tried to stop the "pending" charge, I had to leave on a business trip the very next day and we cut up my debit card and cancelled that account, We spoke to the hotel owner who admitted that he DID NOT HAVE AUTHORIZATION to charge my card-but my son owed him this money and he checked out, My son DOES NOT HAVE or IS NOT A SIGNER on this account and the hotel owner was told to reverse the charge and call the cops on my son if necessary. He refused so my bank CSR Wafa told me she would monitor the account and as soon as the charge went thru she would dispute it.

I got a call from Wafa on 10/6/09 telling me that I had to place the call to the debit card dispute number to verify my identity. I made the call spoke to LINDA told her everything that had happened and was told that I COULD NOT DISPUTE THIS CHARGE SINCE I AUTHORIZED THE CHARGE TO THAT HOTEL ONCE BEFORE. SO I said to LINDA that I paid for 3 nights ONLY-Her response was"ONCE I GAVE THEM AUTHORIZATION IT DID NOT MATTER', SO I TOLD HER THAT I WAS VERY HAPPY THAT SHE WAS PROTECTING THE BEST INTEREST OF THE KNIGHT'S INN INSTEAD OF THE CHASE ACCOUNT HOLDER....ME,

Since they took over Wamu, it has been one thing after the other, the way your online statement reads, you never know how much you have or what has cleared - because from one day to the next, it changes and does not make any sense. I am withdrawing all my money out of this bank as soon as I return from my business trip. Run from this bank asap, they do not care about you.

Daphane of Brooklyn, NY October 5, 2009

A levey was placed on my checking and savings account in June 2009. I was not notified of any such action to take place. The levy was placed in error by the Virgnia Department of Taxation. I contacted the Department, my congressman, representatives, etc. The levy was placed in error for non-filing of taxes in 1999. After calls from state officials, my tax return was mysteriously recovered in minutes. The levy was released, but should have never been placed.

I was told by Chase that they don't place levies on New York accounts and VA Department of Tax told me that they don't place levies on accounts receiving unemployment benefits. I have been receiving unemployment benefits from NY State Department of Labor since April 2009. I was charged a 125 legal fee by Chase for the levy.

I have contacted Chase many times and have not been credited even though I did nothing wrong. They reversed NSF fees, but will not reverse the legal fees. I am unemployed and receiving benefits. I was unable to pay my rent on time with the deductio of these funds from my account. I have spent hours on hold and getting the runaround from Chase for something that is not my fault. This was gross negligence by Chase and the VA Department of Taxation and they are collecting monies from innocent, taxpaying citizens.

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