Chase Bank

Chase has caused me a lot of pain and suffering in the past five years. I have been battling probate court for the past five years due to Chase negligence in misplacing original beneficiary forms and transferring an IRA/moneymarketinvestments to an estate account which was set up wrong. My lawyer has copies of the documents but the judge wants to see the original. Chase also set up a traditional IRA and then closed it .I have been very patient and now I am now seeking justice!

First of all, I would just like to say that I have been a customer service representative for 6 years myself, and so I know how to deal with a wide range of issue, as well as attitudes. It seems Chase could not care less about the client's experience with one of their "highly qualified" banking representatives. Number one, they may be speaking English, but you can hardly understand them. If it's not a severely thick accent, foreign or domestic (regional dialect), they mumble or speak hurriedly and you get the impression that they couldn't care less about you.

I've called over 10 times in 10 + years as a client, and never once have I had a good or pleasant or easy experience. When you're dealing with your money, you don't want to have to decipher what someone who is getting paid to help you is saying. This last incident was the last straw.

This gentleman, who is named Bayani **, wasn't even speaking sentences to me. He seemed distracted from the very second he answered. He didn't listen to me, because I asked a question and he answered with a question that had nothing to do with what I had just asked. I called to get an overdraft fee waived, which per signing up for an automatic NSF waiver program, should have been done automatically? But of course, no, and so I was subjected to another incompetent customer service rep. What got me hot under the collar was the fact that he put me on hold, for no reason, as his explanation was so he could "look up my account". They sit in front of a computer, don't put me on hold.

He then returned and asked me what I wanted him to do about the fee. I just explained it's supposed to be waived. He wasn't listening to me, and continually was laughing. Laughing, no I'm not joking. All the broken English and ignorant reps aside, this was disgusting. When I asked him why he was laughing, and if he maybe thought that it was inappropriate, he laughed some MORE and answered "No, I'm just smiling and happy." I answered, "But, you're on the phone, I can't see you smiling! Don't you think it's awfully rude of you to laugh when we're talking about my money?" This got nowhere, as he laughed some more. I thanked him for his "help", as I'm not all vinegar and told him to hurry up and get off the phone so I could complete the "customer satisfaction survey". Ha! Best part is there is no way to record a message about your personal experience with these incompetents.

So I am here, warning you, that Chase doesn't care about its customer service team, as they sound untrained and unsupervised. I'd love to know who their supervisors are and what training they get, because it lacks basic English skills, decency and sensitivity. If I didn't need a paycheck every week, and could deal with 2-3 weeks of cashing checks whilst I pull all my money out and run for my life, I would. Chase only cares about business clientele and mortgaging your house. If you have a personal checking account, they could care less about you and your satisfaction.

I opened saving and checking accounts from the Chase bank on year 2010 and I didn't use the accounts since and today, on Feb/09/2012, I called and ask about the accounts, they said my checking account transferred to saving and when I asked what happen to saving and where is the money. No one knows about it. I just want to know what happen to my money, it's almost $200.00.

I have received a 1098 form which contains false information filed under my husband's SSN with the IRS. This 1098 form was falsely filed not only under a non-existing account or contract, but also falsely claims mortgage interest received from box 1 of the 1098. This now prevents us from properly filing our tax return and has conflicted damages and problems upon being able to file our tax return.

A statement was also included with the bogus 1098, claiming we owe on an escrow account we don't have legally or under contract, note, or agreement! This bank has not only caused numerous conflicts and problems but has also made unwarranted attempts to interfere with my personal/business contracted payment plan agreements, with both my homeowners insurance (monthly payments) and Earl K Wood property taxes (quarterly payments)! We have been paying our own insurance and property taxes ourselves since 1999. I have never had an escrow account and never will or ever agree to such either!

It's funny how there are laws holding taxpayers accountable, but there is nothing to hold banks accountable! If we file our tax returns falsely, we are penalized and/or go to jail. So, what if it was a bank? Do they get a slap on the hand with a get out jail free card? Have them provide you with a copy of any security note contract under account number **, or escrow baring our legal signatures and agreement! They have yet to provide us with one so good luck!

I had an overdrawn account with Chase 8+ years ago. It wasn't exactly my fault, and Chase was unwilling to work with me to clear up the overdraft fees, so I closed the account and paid off the balance owed, clearing me with them.

Just a couple minutes ago, I received a call about this, saying I owed the $200+ again. Not wanting it to go on my credit and not having any way of proving that I paid this almost a decade ago, I paid it again. The end result is I had to pay a company twice for the same thing.

One of your bankers, Mr. ** was not forthcoming about the drug test administered to him before employment. He used a friend's urine, and when it was not the correct temperature, he used other means to manipulate the test. Mr. ** is addicted to drugs and not only working at your bank under the influence, but also he uses on breaks. I would encourage you to perform random drug tests on this individual in the future. This is putting a lot of people in danger. I wish to remain completely anonymous.

I tried to use my ATM/debit card and it was denied. What an embarrassment (but I knew I had money in my account)! I called Chase Bank and they could not give me an answer as to why my checking and savings account was in the process of closing. I received a letter that never said why the accounts were closing and within seven to ten business days, I would receive my balance that was in the accounts. It has been thirteen business days and I have not received my money from the checking or saving accounts. I called again and the customer service rep informed me that every ACH debit transaction that takes place on the checking account delays the closing process at least 7 to 10 more business days. However none of the automatic debits (ACH) are being paid, they are returning the debits back to the consumer (refer to maker) and now, I have to wait another 7 to 10 more business days to receive my money from the accounts.

I asked why does the ACH debit transactions have anything to do with my savings account. I suggested that they close the savings account now and send me my savings balance so I can make my monthly mortgage payment. They replied, because both accounts are attached, they will only send one check combined with any accounts that I have with them. In the meantime, my mortgage payment is late, which requires me to make a late payment fee to my mortgage company and the possibility of a negative credit rating appearance. How could Chase Bank do such a thing and get away with this theft? I don't have a problem with the closing of the accounts. If they don't want my business that's fine, but don't use my money as a tool to make your financial ledger look good.

On 01/05/12, I received notification from Chase Bank's Loss Prevention Department that my accounts were being closed. There was no explanation given. In calling the number provided, I was also given no explanation for their actions. Since I have been a Chase customer for several years and having never as much as bounced a check, I was very confused. I decided to write a letter to their Customer Service Department, which I found online. The response I received was worthless. No explanation whatsoever. Today, I received another letter telling me my accounts are being closed in approximately 10 days "in accordance with your Chase deposit agreement terms and conditions". I am still left with absolutely no clue as to why they made this decision.

I am now in acceptance that I will never be privy to this information. However, what was also included in this letter is a statement saying "Based on your account activity and its subsequent closure by Chase, we may elect to report the closure of your account and the reason for closure to ChexSystems and/or Credit Bureaus". Of course, in calling the number provided, I was given no information. I am left baffled by what Chase has elected to do and concerned about what they may elect to do as far as reporting me. I have no idea when this "incident" may or may not appear in my future financial dealings or how it may affect me nor can I defend myself for something I know nothing about.

In October of 2011, for the first time in my life, I ordered from a company advertised on the television. The name of this company was Chef Baskets. I ordered two sets, which were supposed to be ten dollars a set, with free shipping. When I checked my bank account from Chase Bank, I was charged fifty seven dollars, and ninety six cents. I immediately called my bank, who disputed the charge, and refunded my money. It took forever, but finally i got a telephone number for Chef Baskets, and called to tell them how they had overcharged me, and I did not want their merchandise. The order got sent anyway, and I called Chef Baskets to tell them I did not want their merchandise, and demanded they sent me a return postage label, to which they said they would.

In the meantime, Chase Bank, my bank, paid them their entire money again. My granddaughter, unbeknownst the box wasn't to be disturbed, opened the box. The contents of the box were nowhere near what I had ordered. My granddaughter said a knife had slid out of one of the boxes, so I got a money order, and put it in the box for my part of the merchandise, sealed the box, and shipped the box back per UPS. Then the company refunded me thirty dollars in December, so Chase Bank sent them a refund of another fifty seven dollars and ninety six cents. I called Chase Bank, and they refunded my account the money. Finally, I think this problem is settled, and out of the clear blue Chase Bank, refunds this rip off company another fifty seven dollars and ninety six cents today. I called the bank, and the most they will refund me is twenty seven dollars and ninety six cents. I don't feel as though any bank, nor anyone, has the right to go into your bank account, and do as they wish with your money. Chase Bank is wrong to have done this to one of their customers.

There was fraud committed in my account on December 21, 2011, and Chase bank says they will get to the bottom by investigating. Right away, I called the police, and made a report. On 12/19/11, 3 deposits were made for the following: $5 in cash, $1,543 ,and $1,545. through a bogus check. On 12/20/11, there was a $100 charge for gas Exxon Mobil. On 12/21/11, the same day the check bounced, they withdrew these amounts. On 12/21/11 they made a $306 and $2,045 withdrawal from a currency exchange, $100, $400 ATM withdrawal from Walgreens, and $98.75 purchase at the register.

The bank assured me that this would not interfere with my disability benefits for me and my children. I trust them not to do so, as they assured me. On Jan 3rd, 2012, my entire social security check was taken $1,038 and was not able to pay my rent. Now, I'm getting evicted from my apartment. The thieves have taken everything by hacking my account, and the bank took all my funds. I am currently disabled, and on medical leave from spinal surgery. I really need my funds. I have two children, 13 and 5.

I thought the banks protect their customers. I am really surprised. I have banked with Chase since around 2001-2002. I never had this happen to me. I am a loyal customer, who is now disappointed in the bank's customer skills. I need my funds back. Why would you take a person's disability funds. This is the way i pay rent and feed my children. My son is also legally disabled legally.

I have a five day notice right now. Please help me or I will be forced to get an attorney's legal advise. The crime they committed is making me, and my kids suffer. This happens right before Christmas, and my family didn't even have gifts. What's shocking is I could never spend a dime more out of my account, but the thieves walk away with over $3,300. That's amazing. I thought that banking was helping me, but they didn't. They hurt me. It's not fair.

Please help me! Chase Commercial Bank is attempting to steal over a million dollars from my property sale slated to close escrow on Monday, Feb. 6, 2012! They have presented a completely unfounded payoff figure to Chicago Title Company claiming a pre-payment penalty is due, for which I never signed for or agreed to. They cannot and will not produce any document signed by me to substantiate such excessive amount demanded; thereby refusing to release clear title for property on which I am attempting to sell/close escrow on Feb. 6, 2012 for $4,630,000.00.

Chase has verbally agreed that such penalty was in error and was in the process of being removed! Hence, Chase has succeeded in delaying this final denial until now, only hours before the sale closing! For the past eight months, I have had attorneys fighting Chase on this matter. Chase will not respond to attorney requests for copies of signed documents or any other form of substantiation. Additionally, they refuse to explain their method of calculation for such trumped-up figures. Chase refuses any contact with my attorneys, stating that Chase deems this a closed matter! I need help from someone! I have no place left to turn!

I am the daughter of Myrtle ** and her POA. My mother had two CD accounts with the bank in Beckley, WV. I moved my mother to Maryland to take care of her. She is 92. I changed her address in July 2010. I closed out one CD, but waited for the other one to mature in February to avoid penalty. Well, that did not happen. A check less the penalty was sent to a perfect stranger in Hewett, WV.

I called talked with several people none of them seemed to know how to correct the problem. Finally, I talked with a Lucy ** and she assured me the problem would be corrected. But the problem was not corrected. The stranger in WV is still getting mother's mail. On 1-12-12 I called again, and this time I talked with Michael ** (Senior Service Specialist). He said the account was reinstated and address was corrected. This is not the case. The person in WV is still getting my mother's mail from Chase. Now they have access to her Social Security Number from the 1099 form.

I called on 1-31-12 to find out why the address was not changed and talked with Sara **. She said it would have to be sent to research department and would take up to four hours. I cannot sit and wait for a call, so I told her to have the person leave a message. When I returned home I had a call from a Ms. N.; she left no message, only a call back number. I returned her call at 6:50 PM Central Time; no answer.

I left message to call me in the AM on 2-1-12. I waited--no call. So I called. I got her voicemail and I left message to call me. I have called a total of three times and all I get is her voice mail. I want this matter cleared now. I want my mother's mail sent to the proper address and I want the account closed with a check sent to the correct address at maturity! I also want to talk with someone with some sense. I would like a reply to my complaint to you.

My husband and I had a credit card with WaMu at 7.99% APR and when Chase bought them within a year and half our interest rate is now 29.99%. I have called several times to have it lowered and I have heard everything from them that is against our policy, so I don't know what to do. We have not been late on the account for over 2 years and I have paid more than what was required every month for over 2 years. Yet here we sit with an interest rate of almost 30%. It's outrageous and I want this fixed now.

On 01/29/12, I sent through online secure message center a request to close my savings account, as soon as possible. The next day (01/30/12 at 19:50PM), the reply from Chase told me to transfer all the money from that savings account to a checking account, to bring the balance to 0. I sent them another message again to request for my account to be closed.

Also, I need to provide a reason for closing my account. I followed the instructions they gave me. A gut feeling kept telling me it is better to stop by and personally check it out. As of today, at 12:55 PM, I stopped at one of their branches on Arlington Ave. in Riverside City, just to know that my account could not be closed, because they just put another charge for $5.00, because I have a $0 balance, which is what they advised me to do.

After I explained why that happened, and again begged for them to close my account, I was promised that it will be closed, just by calling ** tonight to double check. At 19:45H, I called and was told that my account is overdrawn for $5.00, and I have to clear it up before I could close it, or I might end up facing collections. The lady, Nivea, described herself as a supervisor (because another telephone banker did not have enough "power" to deal with this situation), kept refusing to close my account. She may credit the fee, but she can't promise that I will not be charged again, as long as my account is still open with zero balance.

In addition, I have to either personally go to any of their branches, or call back to re-confirm closing my account, which means there will be tomorrow, and another tomorrow, and and so on. When they think they have harassed me enough, that will be the time they can close my savings account. Frustrations in conversation led to a big argument.

The lady abandoned the phone. The bank announced that they are no longer accepting my phone calls. I can prove my story with all the messages I'm saving on my file, as proof for future legal action. I used to do banking with Washington Mutual before it was sold to Chase. Washington Mutual Bank was not this bad.

I started shopping in or about midsummer for my new home. I consulted with a Chase representative for my home loan. I had a pre-approval letter for the loan amount I was requesting. In late August, I had a job offer. I consulted with my Chase representative if it was okay to transfer while looking or buying this house. She said it's okay so I proceeded to transfer.

Meanwhile, I paid for $1000 for earnest money, $450 for house appraisal fee and $500 for house inspections. Second to last day before closing, Chase denied my loan due to my job transfer because I did not have enough job history while my old job I had five years plus. If I would have known this, I would have waited at my old job to get my new home. To add more fuel to the fire, I went to different lender and were able to approve my loan and restart the whole process. I just want to know who is going to pay for the lost money. It was not my mistake!

Chase/Wamu put lender based insurance on a policy we already had. They refused to admit their mistake which through are loan into a default. We got a loan mod and they refuse to honor their contract and have not made our community payments. This has created a problem with the association which is starting foreclosure proceedings. This bank is so screwed up they don't even have the paperwork they gave us. Anyways, it seems I have a number of complaints that I would think would be criminal. There like were right your wrong and you can't touch us cause with the giant in the deal.

You wonder why people hate banks. They screw up a deal and will not even admit it. I am thinking I will take them to small claims court.

We originally got the loan for our house through a local lending company. That company sold our mortgage to J.P. Morgan and Chase. In August of 2010, due to the same hard times half of this country are going through, we filed for a loan modification. We got the run-around for twelve months, constantly making us fax them the same information over,and over, and over. During this time, we were doing everything we could possibly do to scrape together every last dime we could, to make sure we didn't lose our home (the roof over my three children's heads).

In August of 2011, our representative from Chase told us the modification was declined because we had not yet fallen behind on our mortgage. The representative then instructed us to stop making our mortgage payments and concentrate on paying off credit cards, because this would help the process and the representative would then re-submit the modification in three months. They did, just as they said they would and re-submitted the modification.

We spent the last three months waiting to find out what's going on, with the representative telling us that it was in the underwriters' hands and all we could do is wait. Just to find out that they denied our modification, and are now foreclosing on our home because we're 6 months behind. Then they tell us we can bring it out of foreclosure, if we agree to make payments almost equal to double our mortgage payment, which is just over $1,000.00 for eight months. There is something very fishy going on here, and someone needs to do something to shut these "terrorists" down!

They did the same to me on the modification loan. They gave me the run around for 9 months. I still have all the paper work but nothing ever came off it. There has to be a law against it. I'm at a 8.25 they just don't want to give up the money. Chase is ripping off the poor. The law or the lawyers should get in evolved. I am contacting the present. I want to know about this modification.

This is in regard to a refinance I thought I was doing for my home with JP Chase Mortgage. My current mortgage has been with Chase for over 10 years. I have never been late on a single mortgage payment. I have an extremely high FICO credit score of 794. The refinance I was attempting to do was for $71,500. The value of the house based on their numbers was $208,000. Hence, a 30% loan-to-value refinance (a no-brainer for a competent lender). Our combined income is around $85,000. I paid Chase a $395 application fee for what they stated would be a "low doc loan". They stated that this would be an easy process since I had so much equity, a high FICO score and almost no other debt (i.e. no car loans or revolving debt, just two pieces of rental property that I also have tons of equity in).

Application was made on September 5, 2011. Today is January 24, 2012, almost five months later and the refinance is still not done. This supposed "low doc" refinance is nothing short of fraud! I have provided everything that Chase has requested (many times in duplicate because of their incompetence to keep track of their own paperwork). The Chase representatives I have been working were Betsy ** and Brian **. They never take telephone calls and for the most part, do not answer emails.

In addition to the $395 application fee I was charged, they cost me another $500 per year by having me increase insurance coverages on the subject property to values that are absurd. I have spent hours satisfying their every request, but I still have no refinance. I wish I had searched the internet regarding customer satisfaction as it relates to JP Chase Mortgage. If so, I would have found that hundreds and thousands of customers and potential customers have received the same extremely poor service that I have received.

As I have stated earlier, I have a stellar credit score and 70% equity in my home. My credit file is absolute text book! I will be leaving Chase Mortgage soon and will be canceling the two Chase credit cards I have with these scammers. I would advise everyone that might be considering a mortgage or refinance with Chase to learn from my experience and do some searching on the internet about Chase Mortgage customer satisfaction. There appears to be none! The folks at Chase are completely incompetent. This should have been the easiest refinance ever but instead, they just took our $400 and we got nothing but a 5-month headache! Thank you. Steve in Tennessee.

We opened an account and were not told we allegedly owed Chase money from when they bought Bank One. After making a 300.00 deposit into our new account we discovered Chase took the entire deposit in "fees" from this 12-year old account from an out of business bank. We never got our money back from Chase, they are thieves and liars and trick people into opening accounts so they can steal your money with no warning at all or no legit explanation either.

Chase duplicated my mortgage payment. I scheduled the payment on their online Web site. They were to debit my Huntington Bank checking account for one payment, and they duplicated the payment, causing an overdraft of $37.50 and bankrupting my account, leaving me penniless until my next payday--three days later. The Chase customer rep was testy and kept putting me on hold. I made the mistake of not demanding his supervisor. Plus, I made the call on Friday, 1/20/2012, and they won't have it fixed until Tuesday the following week! I am incredibly dissatisfied, disgusted, and no longer trust Chase. They did the exact same thing last year when I made a credit card payment.

In October 2011, my grandfather Roger **, a Chase Bank client, had a heart attack. His sister Terry ** stole all of his monies from his accounts. He was dying in a hospital, and his sister has absolutely no right to have any access whatever to any of his monies and Chase Bank did nothing and "stood by" as she swindled his accounts. I called Chase Bank while my grandfather was in the hospital in a coma, and I let them know he was in a coma, and to please make sure there are no transactions being made with his account(s) because some family members had stolen his bank statements and computers, and they would possibly try and take money.

of Roger's condition?

They printed a 2 month's bank statement with the wrong address, and I needed to do my refinancing. They admitted they made a mistake, and Sarah ** said she will fix the problem, and called me. I just got a call from Barbara ** at Chase bank. She said that they cannot change the address, even though it's their mistake. This is will ruin my refinancing.

Apparently Chase Bank has the policy where they take payment from outside creditors in order to freeze customers account, not allowing any access to any money in the account until a court order is placed to unfreeze the account. A late Friday afternoon, right before a national holiday, a hold was placed on my boyfriend's account and has still not been lifted yet. He is an active duty military member that is deploying again to Afghanistan in two weeks. He has absolutely no money to his name and was not able to eat today.

It shocks and amazes me that a creditor that made no attempt to contact him before freezing his account and your bank would treat a service member this way. I am disappointed and quite honestly, worried how he will eat tomorrow. I am at this point trying to sell my car so I can get him money to live off on since no one has been able to straighten this matter out, even though he has already made an agreement with the creditor.Pretty sure you won't do anything about this problem and pass it off on someone else. Enjoy your meal tonight.

I have been banking with WaMu since I moved to California in 2005. Never once had I had a problem, not once. We got a auto loan when it was still WaMu and we had no problem paying our loan through transfers from our checking account. Then wonderful old Chase takes over. At first, it wasn't that bad; we had a few transactions that were reordered and caused overdrafting, which was corrected really quick. Then the fun started.

Every month, we pay our auto loan on the 8th of the month by transferring from our checking account. We did have it set up for automatic every month until we started waking up seeing 2 payments being transferred. So I cancelled that real quick. Even though we cancelled the auto transfer, Chase bank still took payments and said that we set them up. Now I know that we didn't. There was a month back in 10-2011 where we had to pay a highly unexpected medical bill for a child. We knew that we wouldn't be able to make our car payment that month and so we called Chase to ask for a deferment. They denied us, and so we just didn't pay, knowing we would get a fee and we didn't care.

I woke up and see that although I cancelled the transfer, they took it anyway. Then they said that to refund it, it would take 3-5 business days. Then the next day another transfer went through which they said I scheduled. I know my husband and I didn't do it because we didn't have the money, and had rent due that was more important than the car payment.

So he bottom line is, for the past 9 months, I have had 2 unauthorized transfers every month on my account to the loan, and they refuse to say they are setting up the additional transfer. And that it's my fault, and when the transfers overdraft me, I get told that I should watch my spending. I stop overspending money that I don't have. I do not like Chase bank; they are thieving liars who care about their money and not about what's right.

My experience with Chase bank is less than zero. I went to 2 locations to speak with a business banker about the wacky business loan statement. Both branches and 4 personnel there said they "had no clue" what is going on. And various phone calls on SPKR, with a witness, the reps of Chase contradicted themselves and said the other and branches were in error. I also deposited almost 3x the minimum amount to avoid fees and still was charged fees. After my loud complaint at a local branch, the fees were removed.

They explained why my loan payments increased. It was because of a loan payment deferral, which states the deferred amount was due at maturity, my payment went up to compensate for the deferred amounts, as so told to me by Chase. I told them of the pending lawsuit of fraud.

Do not call these **. Do not expect an answer. I have recorded names and dates, and I have had a witness listen to some return calls in which contradictory statements are made. Furthermore, I have requested some docs for over 1 year with no response. My opinion, get out of Chase and join a credit union.

I sent the below email December 10, 2011, at which time Mr. J. promised to give me a response. As of January 14, 2012 I still have not heard from Mr. J.

Mr. J.,

I sent you an email November 25, 2011 requesting reimbursement of my appraisal fee and as of yet I have not received any type of response from you concerning your communication with your manager about my request. If I don't receive a response from you by December 15, 2011, I will seek other avenue of assistance.

On Saturday, 11/26/11, Mr. J. wrote:

Rosie,

I actually have to obtain approval from my management as well. I will request and let you know the outcome.

To: Mr. J.

Sent: Friday, November 25, 2011 06:08 PM

In November 2011, I had the opportunity to meet with loan officer Mr. Louis ** who assisted me in applying for a HARP home loan. I also spoke with Ms. Rochelle ** who informed me that I needed to pay $395 for my home appraisal. After the home appraisal I later received a package that stated that my unit appraised value was $76,000. At this point, my home appraisal is above $70,000 and my credit score is 704 point. With this information I was assured that I would have my home loan approved.

I also received a counter offer stating Chase could offer me a mortgage on changed terms and conditions. This letter gave me hope. Not until I pressed the issue with Ms. Rochelle ** at which time I was informed that my loan was not approved because one of the owners of the Bridgewater Landing Complex owns 10% of the condos and its a requirement in the HARPs loan that no one can own 10% of the residence in a complex, thereby making me ineligible to qualify for a HARP loan. Approximately four days later I received a letter informing me that I would not be able to obtain a new loan from Chase. This was very disappointing news to me.

Mr. J., I am requesting to be reimbursed of my $395 that I paid for my home appraisal. My income is fixed and $395.00 is a great deal of money for me; therefore, I am asking your cooperation with this matter as I will be greatly appreciative.

Rosie **

I realized my debit card was missing from my wallet a few days ago, I immediately called and reported it stolen. I received a text from Chase saying that my account was overdrawn $197.23. I immediately called them that morning, explaining that I didn't make the withdrawal and that there was no way it should have been overdrawn, because I have overdraft protection. That couldn't be possible.

I was told that a check had been deposited into my account in the amount of $3,232.68 at an ATM. I continued to explain to them that I did not deposit that check and that someone had used my card without my knowledge. I was told that there was no way possible someone could use my card without my PIN. I then told them that my (4-digit) pin was my birthdate along with my daughters so anyone that I associate with could have did that.

I did not want to look at the situation like that, as someone who hangs around me did that, but that was the only way possible. They said that was impossible for someone to guess on the first try! I found that very disturbing, because I've been banking with Chase for a while and nothing like that has ever happened. And for them to sit on the phone and call me a liar was bad customer service. They basically told me that there was nothing that they could do and that I should contact the police so they can find the person who used my card.

On 12/21/2011 I filed a dispute against Payless Car Rental for overcharging a total of $158.46. Chase's supervisor called the manager of Payless and we had a three-way discussion. After that the supervisor asked to mail copies of the receipts, which I did on 1/2/2012. On 12/24/2011 I received a letter from Chase telling me that the investigation was completed and that the transaction was correct but the Payless manager couldn't prove it.

Their conclusion is bogus as with previous disputes that I filed because an investigation takes at least ten days as they told me before. Plus they find all kind of excuses not to accept my dispute or lie to me that they will. I don't know what kind of actions you can take against Chase Bank, but I am very angry and I will take any actions to be justified. After all, Chase Bank like the rest proved on 2008 that they are criminal enterprises with the help of the government.

For 3 years I have submitted paperwork to Chase for a loan modification. It was the same stuff over and over. They always claim I have no proof of employment, even though my employer at his expense has sent lengthy and complete records of my payroll. I have sent tax returns for the last 3 years. They will not accept any payments, even though they set a lower one and accepted 3 at first. I did not get a summons to appear for court hearing and short of the limit of 6 months on the complaint without my knowing foreclosed and got a judgment for the balance due and order to sell my home. During that time and as little as 2 weeks ago, they were still sending me notices that I must act quickly before my modification application expires.

When Chase took over from WAMU, my free-checking that was a requirement of my home equity line began costing $12/month (plus the interest rate bumped up 1/2%). No checks provided, no ATM card, and the bank is now hundreds of miles away. I attempted to contact Chase numerous times about the fees and closing the account, but was unable to do so due to the automatic payment. No one ever returned my calls from Chase. On Dec. 19th, I closed the account and they state they mailed me the check. As of 1/9/12, I have nothing, have made 6 phone calls, now they are telling me they have to stop pay the check and it will be 10 more working days.

I have paid hundreds of dollars in service fees and interest on my HELOC that was in complete violation of the agreement I signed with WAMU. I am unable to get my money from my bank account.

This bank is horrible. Since they bought out WAMU, we have gotten 3 letters on intent to foreclose. They take our checks, cash them , then hold it. They have ** up (their part not ours), then we have to pay for their mistakes. We are going to find a new mortgage company. They keep wanting more and more on a fixed rate. Helping those who have fought for our country is a joke. They are helping in trying to take our home. Monthly mortgages paid , we have never been late, yet you cash our checks, then hold it in suspense? I don't think that is even legal. Too bad you got bailed out, in order to take people's homes. I normally am not a mean person, but I have had enough.

The last foreclosure letter we got, you cashed our check again, when we called, you said someone in your company opened up our account, and made the rates lower. Good, but we have to pay again for your mistakes. We end up paying more and more for a fixed rate. They cash our checks, send us foreclosure letters, then say "well, you owe us this much". So, it makes it even harder for us, because the company is not organized. Seems almost like a predatory lending. If I had my choice, I would have left long ago. I should have sold the house before. We would have lost $50,000 if we sold it now. Chase is not helpful. The customer service people are clueless.

On four different occasions, Chase Bank has chosen to ignore the instructions on their own deposit slips. This is a small household account so the balance is kept low. My funds come from another account at the same branch. That account's funds come from a commercial account at the same branch. Still, funds are not posted as cash as I request, even when I note with arrows pointing to the appropriate line and detailed instructions.

I have chosen to only keep the account open now to cash checks and I deposit nothing. Chase has repeatedly refused to correct the situation with their tellers, saying that too many people misunderstand the line on the deposit slips so tellers come to ignore it. I have been told that in order to ensure that the deposit is done correctly I must come into the bank (not drive-up) and supervise the teller. This has caused me public embarrassment when the funds aren't available due to an incorrect posting as well as the inconvenience of each time going bank to the bank to get it fixed. This is a small household account so the balance is kept low.

I am having a big problem with Chase bank. I opened checking and savings account about over two months ago. But I had fraud with my debit card a couple of weeks ago (it was $800-900 with my debit card number). I fixed the problem but I couldn't get any information about the other person who stole my identity and it took forever to get my money back. Today, I found out someone used my military star card, which links to my Chase Master Card. Whoever spent my card online on aafes.com website, they used over $2000 and changed my billing address.

I do not understand how this has happened two months on the road. Also, they couldn't tell me anything but saying sorry. I had my military star card over 7 years and I never had this problem. But after I opened my checking account, this happened over and over. I am regretting opening an account with Chase bank and scared it will happen again and again.

We have a joint checking account with Chase and my husband has a business line of credit also with Chase. My husband lost his job and is behind in his payments. Two days ago, Chase took it upon themselves without permission to take the money from our joint account to pay the business line of credit. They arrogantly stated that they had this right, "We do it because we can" was their response when asked what gave them them right. My husband spoke with someone from chase the day before this happened and they gave no warning they would do this.

By doing this, they made it impossible for us to make our mortgage payment (also with Chase) as the money they took was set aside for the mortgage payment. We now, not only cannot make the mortgage payment, but are short on money for food purchases. I will now close the joint account with Chase and move it to another bank. I am shocked that after two decades of a good checking/home loan relationship with them they would do such an underhanded thing with no warning and such a cavalier attitude.

I opened a savings account with Chase around December 9th, 2011. And now, they have let someone fraud my account. All I got was a notification in the mail. They told me that someone came in and opened a checking account with my name and didn't even call me to authorize it or anything. Instead, I only ended up receiving a checking summary along with my savings summary in the mail. That's how I found out. Then on top of that, the people I have been renting from just stole my Chase bank folder which has all my account passwords and account numbers and they also just stole my ATM card as well. So yes I have over $100.00 in my account and now homeless and now it's January 2nd, 2012. Now I can't even talk to a Chase person online or over the phone because I don't even know my account numbers or anything and my ATM card was even in my wallet inside my purse.

On 11-16-2011, Chase withdrew 2 mortgage payments of $563.67 from my wife's check account because of an updated computer problem that allowed it. At that time, she had only $784.00 in account and their error caused us to have NSF, and charged nus $34.00 fee. Called Chase, admitted there was error. From 11-16-2011 thru 12-6-2011, we were unable to use our Chase Accounts, including our joint account.

Numerous promises and apologies were expressed but all failed. Referred to Senior agent in states who had problems resolving our credit refund. From 11-23-2011 thru 12-06-2011, we could not access any accounts at Chase to live day by day. Their representatives promised to resolve the issue, even put temporary credit towards account that caused other NSF fees to occur.

This is with regards to my small business debit card. On the morning of December 30, I received an account alert email of the balance on my account. I noted that my Chase QuickPay payment had posted and recorded it on my spreadsheet. Later that day, I used my debit card, with pin, to complete a transaction.

When I checked my email later that day, I received notice that my account was overdrawn by $12.78. I immediately emailed Chase to inquire about this and asked if it would incur an overdraft fee and why. I also noted on my account page that even though the account balance showed there are sufficient funds, there was a small line that indicated an item had been put on hold, it was the Quick Pay payment. I did not hear back from them but of course that evening an overdraft fee was charged. I again emailed them and inquired as to why the account balance alert had not indicated a hold, why the transaction was allowed to go through, and that I would like it reversed as bank error.

This morning, I received the most inappropriate answer:

"We apologize for any inconvenience you may have experienced with the account ending 5937, and we understand your concern. I am happy to assist you today.

In regards to your inquiry, transactions are processed at Chase's discretion. If the item is approved, it will overdraw the account and incur a $34 insufficient funds fee. If the item is declined, it will receive a $34 returned item fee.

Chase offers Overdraft Protection to assist in ensuring that items are covered when they?re presented for payment against your checking account. Overdraft Protection can be established with a Chase savings account, line of credit account or credit card account to avoid an insufficient funds or extended overdraft fee.

Overdraft protection transfers are made to your checking account in increments of $50. Please note, that there is no fee to establish or maintain this service. A $12 overdraft protection transfer fee is deducted from your checking account at the end of the business day. The Overdraft Protection advances funds in $50 increments. If the $50 increment isn't available, the protection will advance the amount needed to cover overdrawn amount and fees if available.

We appreciate the opportunity to assist you and provide excellent customer service. Thank you for being our customer. Please e-mail us through the Secure Message Center while you are logged on to chase.com, or call us at 1-800-935-9935, if you have any question"

The transaction would not have incurred a fee if it had been returned, it would have simply been denied at the POS. If it had been a paper check, yes by all means it would be my error but it was not. There is either something lacking in their system or as I read this to mean, Chase decided to let the transaction be approved so they could charge me the fee and sell their overdraft protection which I do not want. I would prefer they deny my transaction if the funds are held. I also would like to be made aware that they are held and not receive misleading emails.

Did someone even actually read my email before they plugged in some code for a standard answer? Is this what they deem "excellent" customer service?

I asked the US embassy in Bangkok for a traveler's advisory for Americans with Chase debit cards who have demonstrated against Chase Bank. I participated in an anti-Chase Bank demonstration in front of the main office of Chase Bank in downtown Los Angeles on November 8, 2011.

I informed Chase Bank of my Thailand trip on November 10 before leaving the USA. On November 23, I was informed that my debit card account had been compromised and that a new card would be sent within 7 to 10 days.

I informed Chase Bank of my condo address in Thailand and that this action of theirs required emergency action since it left me penniless in a foreign country on November 23, 2011. They promised to mail me a replacement card by regular mail on November 23. On December 8th, chase Bank promised to send me another replacement card, this time with Chase Bank's rush mail service since the first attempt at regular mail had seemed to have not worked.

Well, today is New Year's Eve, December 31, and I seriously doubt Chase Bank has ever made any serious attempt to allow me to access my vacation funds, being that I had the audacity to demonstrate against Chase Bank in a legal "occupy Wall Street" demonstration outside their downtown Los Angeles office on November 8 .

Frankly, I doubt Chase Bank will ever allow me to access my Chase debit card in Thailand all next year, 2012! For this reason, I requested that the US embassy in Bangkok to be on the look-out for other Americans put in the same precarious situation abroad because of anti-Wall Street participation issuing a US travelers alert.

Happy New Year's and I hope Chase Bank doesn't retaliate against you stranding you penniless abroad during the holiday season.

For the 2nd time, someone has obtained my debit card number and used it to make purchases. Plus, recently I had 2 different long distance numbers call me at home saying they are Chase Bank and waiting to know private info which I refused to give them. I called their fraud department and they showed no intelligence and no sign of caring that this is happening. They said the charges had to post before they could remove it and for me to just call back when it posted. I told them that it was for an amount more than what was in the account. They said that I would have to deposit more money to cover it so I wouldn't be charged any overage fees and then they would refund it in 10-12 days after they review the charges.

They wanted me to call the places where the card was used and ask them why they charged my card. I told them, "No, you need to cancel my current debit card before the thief could use it again and investigate the theft of my money." They agreed to cancel my card but told me I should be more responsible for my money (like they didn't really believe me) and they would send it only as regular mail, so I won't have access to my account for 10-12 days anyway. Then, they asked if there was anything else because they can't do anything for me until the charges clear and then hung up. I went online and more fraudulent charges are now pending. This is insane. I didn't have these problems with WaMu. I plan on cancelling my account (as soon as possible, if there is anything left in it) and having my credit union as my main account.

I participated in an anti-wall street demonstration in front of Chase Bank, with heavy news coverage, where I was interviewed by a reporter from the LA Times in downtown Los Angeles, CA, on Hope street, on Saturday, November 8. On November 10, I informed Chase bank reps that i would be going to Thailand, loading my debit card with my vacation savings. I arrived in Thailand on November 13. On the 23rd of November, Chase emailed me, saying that my debit card has been frozen, and that I would be getting a replacement in 7 to 10 days, to my Thailand address. Chase bank has branches here in Bangkok, but I was told I could not go there with passport to pick it up. I offered to pay for a three day UPS shipment guaranteed, to my condo.

I pleaded with them since i am facing 7-10 days without money and destitution in Thailand, without access to my vacation funds in the debit card. My SOS has been royally ignored. Today is December 26, a day after the bitterest Christmas of my life. Chase bank reps have always refused, instead, insisting that they would mail the item unsecured, through USPS and Thailand mail. I doubt that they ever mailed me anything, as they are punishing me for my participation in a demonstration in Wall Street, in front of Chase Bank head office on November 8.

My vacation has been sabotaged for over a month, and I am forced to live off borrowed money from my family and relatives in the USA, to avoid absolute destitution in a foreign land, thanks to Chase. my vacation has been sabotaged for over a month , and i am forced to live of borrowed money from my family and relatives in the usa to avoid absolute destitution in a foreign land. I seriously doubt that they ever intend to send me a replacement debit card (for the one I never lost), causing me real grief and suffering during Christmas of 2011. I am stranded, and virtually penniless in Thailand.

A forged check in the amount of $3800 was presented to Chase and was cashed. We had no knowledge and did not approve this transaction. We discovered that it was cashed on 12/12/11 and immediately went to the bank. We then filed a police report. Chase refuses to refund the $3800 since they will be out the money even though they feel it was okay to give our company's money out. We want then to give us our money back as any other bank would when fraud is involved as with checks, credit cards, etc.

10 Reasons why not to bank with Chase:

1. They have the highest overdraft fees. Their computers analyze your spending patterns, and will delay transactions in order to maximize overdraft fees. They make billions a year in overdraft fees.

2. I started a C-corp venture backed start up, and banked with Chase. I had $2,000,000 in deposits with Chase, and they wanted a personal guarantee on corporate credit cards, and any business lines of credit. We subsequently raised over $10,000,000, the business is taking off, and we are now banking with Square One, that had no such requirements, and are very start up friendly.

3. I had problems with auto-pay one month, and was two weeks late on my mortgage payment (first time ever), and received a foreclosure notice.

4. Bernie ** banked with Chase, and Chase failed to warn regulators of irregular banking activity.

5. I have a friend with a 750 credit score that needed a 30% LTV loan on a free and clear property, to pay off a tax lien, and they said he needed to pay the lien off first. In other words, they only loan you money, when you don't need it.

6. The people in the bank's branches are friendly people, but even they can't control or understand the Chase computer systems. The computers run the company, not the people. For example, people in the bank branch couldn't explain why the computer put a 3 day hold on a Chase check that I deposited from someone else, that was good. I made them refund the overdraft fees that were caused by having insufficient funds, due to the check being on hold. Why couldn't they verify funds immediately. It was a Chase check and it took three days!

7. Based on my research, Chase credit card interest rates are the highest in the industry.

8. Chase has one of the largest funded lobbyist groups in Washington. Chase received $25B in bailout funds, when they didn't need it, and used it to increase profitability; borrow at 0%, and rape the consumer and small businesses with more than 15% loans.

9. Chase spent $7.4 billion lobbying Washington in 2010 ,and has spent $5.8 billion year to date in 2011. Whoever banks with Chase, is paying for this in higher interest rates and fees. This is disgusting.

10. Chase is setting up branches, like mushrooms, to siphon off as many consumer dollars as possible. Then use the dollars to fund lobbyists, and fund big Wall Street Banking. They are no help to small businesses. The only small businesses that can borrow money from Chase are the ones that don't need it. Close your account today and show them who has the power.

They have completely shoddy and unprofessional attitudes in dealing with mortgage loans and escrow accounts (taxes & HO insurance). I have had WAMU before for 7 years, and the 3 years with Chase, have been nightmarish at best. For 3 years straight (!) the HO insurance send my documents to a wrong address, even though for 2 years, they have had the right address and phone number, and the HO insurance was cancelled. Then they want to charge your escrow, which is three times the amount of insurance, that they pick for you.

School taxes weren't paid last year. I got a letter from the Tax Department, that I owe the past due, plus interest and late charges, or they will put a lien on the property. I had to do all the legwork and many calls to their tax department and tax bureau. I finally got a case number, and still was charged the late fee, even though it wasn't my fault (escrow has all of my money in it). Mortgage borrowers, beware of this company. Do not finance a loan through Chase. I tried to get out of this company 2 years ago, with a refinance, and I expressively told the third party lender. I did not want Chase, but guess what, they lied to me, and the loan again was financed by Chase, and I even had to pay extra fees to avoid this. Beware of this fraudulent company!

I will party like no other, when my loan is finally paid off, and I am released from Chase. Of course at that time, I will definitely get a lawyer to make sure they pull no fast ones, like tens of thousands of other poor souls posted here. How they are still in the banking/financial business, is almost mind boggling to me.

I was surprised one morning at the ATM by a declined withdrawal. I called Chase and they informed me a legal hold had been placed on my account. I just had a payroll deposit, and had deposited a donation from church to help pay for a surgery for my son. It took two hours on the phone to find out the source was the Arizona Department of Revenue. They held my account for twenty one days and then took two separate withdrawals from my account taking everything I had, plus seventy three dollars leaving me overdrawn. To make matters worse, the last five purchases I made before the hold was placed each charged me a thirty four dollar insufficient funds fee, even though the money was technically there.

I called Chase and they said as a courtesy they could credit up to thirty five dollars once a year. I tried to no avail to find someone that understood or sympathized with what I was trying to explain. I eventually told the "customer service" representative that I would pay the account to zero and close the account. If they didn't want my business, then I would find a bank that did. She actually said good luck sir. I can't believe that Chase can continue to do this sort of thing. I for one am looking into a class action lawsuit, so everyone who has been wronged by this company can be repaid what is owed to them.

I would like to know why my debit card says that it's lost, stolen, or damaged. That cannot be because I have the card and I am the owner of the card.

I called up on the evening of December 5 to request a replacement card. As of December 12, it hadn't arrived. I was told they'd be able to expedite delivery. The card is not received after a week. That's what I get for dealing with a company that has such a bad reputation with cards/customer service.

We had a scam happen to us and we have tried speaking to everyone about this situation and no one will even attempt to help us with it. We received two money orders of $975.00 each with some instructions on it saying to cash them and send the money to another person. We were supposed to be observing the Western Union Cashier. Then two days later, we received five more money orders with no instructions, so we took it to a local bank to take a look at them and the teller was smart enough to verify and call the money orders in. That is when we realized that we had been scammed. We went to the police and to U.S. postal, Chase bank, but no one would listen.

Later that week, Chase Bank charged our bank account for the money orders that were cashed, and would not even try and work out some kind of payment plan, since we were the victims and we live from paycheck to paycheck. They did not sympathize one bit, leaving our family without food, gas, diapers, etc. and retrieved every single penny that was direct deposited of $1,400 into the account from my husband's job.

To make matters worse, I just got a phone call from the corporate office from Chase and some Josh insisted on my bringing my account up to date. While I am trying to work something out, he is not listening to what I am trying to tell him that we do not have one penny on us. He just insisted that we ask our friends and family for loans to repay the remainder of the account.

I believe that if the teller from Chase would have done her job right to begin with, we would not have been in this situation, for one. The other is that all banks are insured so they get their money regardless, but we, being the victims, who is going to help us?

On November 19th 2011, between the hours of 9 am and 12 Noon, my brother made a cash deposit with the teller in the sum of $2,020.00 and unfortunately he lost the receipt that was given to him at that time. I did not notice that the money never reach my account until my mortgage check bounced.

When my brother was at the bank, he went to the teller with a deposit slip with my name and account number. Now, I have been told by the bank manager that there is no record of such deposit. My brother makes this deposit every month to cover the payment for the mortgage. I find it hard to believe that there is nothing that can be done without the receipt. I have been told by another Chase branch employee that the deposit slip get sent to the back office; this was also mentioned to me on Monday when I called and spoke to Mr. Persaud, who have access to this information. No one can tell me and I just cannot believe that there is nothing to be done.

I had major consequences due to this nightmare and in order to save my house from foreclosure, I filed for bankruptcy Chapter 13 on December 2010. I cannot be late with my mortgage payments and this situation has put me in jeopardy of risking everything once again. I just don't understand how someone can and will make a deposit and there is no record of it. I do understand that I don't have the receipt and that it was lost but that cannot be the only avenue to find this money. I am very upset with this situation.

I got robbed a week ago by a guy who took a gun out and pointed on my head. He asked for my money and everything in my wallet. Well, he also asked me for my debit card password which I gave him since I didn't want to risk my life. Well, I followed a complaint with Chase and they denied my claim by basically saying that there wasn't enough evidence I filed a police report and they still didn't want to take it. I lost my money and I didn't get reimbursed, so I wonder if I had thousands of dollars I would lost it all since Chase are not a trustful bank.

I opened an account with Chase bank in August of 2010 on their website, because they were giving you a $100, if you were a new customer. Being dissatisfied with the bank I was using, I decided to switch to them. I went through all the procedures, and opened my account, it was during the time that they had to have you sign for over draft protection. I opted out of it, because I did not want them covering purchases in my account, if I did not have the funds to do so. I also did not want them to be able to charge me the fees for covering them as well.

During Feb. of 2011 I filed my income tax, and decided to put it in another bank, because I was not very satisfied with Chase. I left about $30 in my account, and started using the other account that my income tax was in. One of the agreements you had to fulfill when you opened an account and received the $100 credit was, to have your account active for at least 6 months, so a little after my 6th month (in mid-March), I transferred my direct deposit to my other bank. I knew I still had money in my Chase account, so I figured I would go in to my local branch and close it. Unfortunately, I had some circumstance that prevented me to get in there right away.

In May of 2011 I received a notice stating I owed them $660, with no explanation, or bill attached. They were saying that this was their final attempt, and that it would be sent to another agency for collections (this was the first thing I had received from them saying I owed them money). I called and spoke with a representative to get an idea of what was going on. She, in turn, was very rude, and not a lot of help. She just kept demanding that I pay it before they "take legal action". I was very upset to say the least. I called back again a few days later. The man I spoke to then was a little nicer (not by much), and a little more helpful (not by much as well). He told me they were charging me for not using my debit card, and not making a direct deposit.

I mentioned that I had left $30 in my account, and that it hadn't even been two months since I stopped using my card, or doing direct deposit, so there was no way that it would accumulate to $660. His response to that was, I supposedly went overdraft, but couldn't tell me what, or how much the purchase was. I told him there was no way I could have been overdraft, because I never signed up for that service, nor did I make any purchases after I left the $30 in the account. He was not any help after that. I told him there was no way I would pay that, and that I wanted a statement of the charges.

I never received any statement providing a reason why I would owe that, all I received thereafter was a collection bill from some collection company in New Jersey, since they have "signed" my account over to collections. They have transferred my account over to about 5 different collection companies. I assume they are doing this to make my credit score go down, since it's showing new negative debts on my report every few months, I have tried disputing this debt, and have not received any positive results. I am very disgusted with Chase bank. this has affected me greatly because of this. If I chose to leave my bank I could not get an account elsewhere (they put me in the Telecheck), nor can I get approved for other stuff as well. I refuse to pay for something that I do not owe. I have talked to other consumers, and I am definitely not the only one this has happened to. I would never refer anybody to Chase bank, not even my worst enemy!

This is the worst bank ever. I called to get a forbearance on my student loan. My husband lost his job, and I don't have the money to pay, until I can get him on Social Security Disability, or he finds a job that can accommodate his injuries. I begged and begged, and they said no. I fall below the poverty line with my salary, and we will be losing our home, unless he can make enough on disability to save our home. Their excuse was that I do not qualify for a forbearance. How do I not qualify?

I don't know what they are going to do to me. 2 years ago, when I was paying for payment protection plan on all my credit cards, they refused to help when my husband was on life support, and said I was to use my credit cards to pay my other credit cards. So we did have to file for bankruptcy, no thanks to them. But now that I am below the poverty line, why can't I get a forbearance on my student loans? Why? How do I not qualify? Will they garnish my wages? If they do that, then how do I feed my family?

We've been trying for over year to get a modification on our home. We have been turned down 6 times; their reason has never been shared with us as to why. The fixed loan had jumped up twice since 2009. We have never been showed, told, or given any proof. We are truly disgusted by the bank practices and lies.

Chase has charged me non-bank ATM fees for cash back with no notice. This is most likely because they opted not to put monthly fees on debit cards. I think this is wrong and maybe illegal.

Chase allowed for a company to take 3 different transactions totaling up to $4,700.00 out of my account and will not refund my money. The company does not or never has existed. My four accounts were closed and now I have several bounced items.

Chase keeps putting automatic transactions through even when there are no funds in the account. I never signed up for overdraft protection, but was told differently by the bank. When I asked to see a copy of the signed agreement, the bank refuses to show proof of documentation. I'm getting hit with 3 or more overdraft fees a month. I've asked numerous times to stop putting these transactions through, but they continue anyway. No reversal are issued and all I'm being told is to better manage my money.

They lied. I was charged an exorbitant fee of approximately 60% of the outstanding balance on my credit card when I missed a monthly payment because I never received a payment alert. I negotiated payment by phone with a representative and paid the balance along with a small fee in return for dropping the exorbitant fee. The next month I received a bill equal to 2 exorbitant fees.

This is a Bait and Switch fraud complaint. Chase fraudulently baited me with a $118K loan offer, then switched to a $100K product and tried to report that I was "declined" for "adverse" reasons, going out of their way to put negative mistakes in my file.

This morning, I brought in my passport and 5 evidence of my identification to get my account straight. I felt humiliated, harass, and somebody violated my personal integrity as a physician and a clergy. I could not believe that my personal integrity was questioned in spite all my supporting documents. There is ethical problem by one of your personnel in charge with my case and won't release my money. I went to the bank several times, and today was my third time. I would like to talk with your lawyer.

A tenant was late w/ his rent check, so he and I called Chase. They debited his account for the check. he'd mailed me through the banking online system, despite the fact that I never received it. They later agreed to do a stop payment and we then had to wait 2-3 days before they'd give him the money. Why should he have had to wait if the check never went anywhere anyway?

I had to wait to get my rent, while the tenant was inconvenienced and embarrassed, making it look as if he hadn't paid his rent, when in fact the payment was to be made automatically through Chase's online system.

The Chase Bank froze my home equity line of credit (formerly of WAMU) stating my credit score had dropped too low. I am trying to get to the bottom of it with the credit reporting agency. But they should have contacted me first instead of threatening my house. How could my credit have dropped when it was above 700 in late summer and there was a small delinquent payment of $8.13 found to be missing in the mail? Whether it's Chase or the credit union, I am increasingly nervous with the big banks.

Same problem encountered where I tried to create a quick pay account over 2 weeks ago and their validation process is a nightmare. And what happened last week, before Thanksgiving, was that some type of system upgrade fouled up the entire process. It's been "offline" for the past 3-4 days. Horrible. I was also on hold with customer service for over 1 hour only to find out it was a Chase issue and not a user problem.

On 11-15-11, I preformed a $1000 bank to bank transfer through Chase to Huntington. I received a notice on the 18th that it was returned from Huntington. I called a local bank. He did very well and find out Chase had computer problems that week. He got my money in my account that night. Tried to deposit $200 from Huntington to Chase. It also got returned. Found out Chase had computer problems. I'm very mad at Chase. Monday, I set up a transfer from Chase to Huntington to Chase of a $1000 to be delivered by the 18th. And because they screwed up the first 2 times and a week later, my bills are going through and I will be over drawn by Friday the 25th if this don't go through.

Wednesday, I get up and there's no money in my account. I call Huntington and find out that Chase entered the wrong account number because of their computers again! I called Chase and was on the phone for 5 hours total only to be told it wasn't their fault and the money went through. No customer satisfaction with this company. After waiting on hold, I was told they couldn't do anything. On Friday, I wake up and I'm over drawn by $1800! I call Chase and was on the phone all day getting the same run around. They can't do anything. I ask for a manager and was told they are busy so they can't help. I leave my number and the manager was to call me back in 2 hours; so 5 hours later I call again and there's still no money! I get the same answers. I wait on like 45 minutes only to hear the manager is busy so they will call me back. And here it is 6 hours later: no call, no money, and no help! I will shut my Chase account down and pull all my money out! Stay away from Chase. This company is a jokeno customer service here!

Cost me $35 per transaction at 10 trans. I'll never to business with them again!

I have been trying for 3 weeks to use the Chase bank online system to make an additional payment to my mortgage. Even though Chase is already taking the entire payment from my checking account monthly, the system told me that the account was not valid and I had to re-validate it. Even though I went through their process to re-create the same checking account, I still have not been able to make the transfer payment. A week ago, after an hour with customer service, I was told that their computer system has been having problems for 2 days. I was passed from one customer service rep to the next, and not one could help me resolve the problem. I am still unable to use the online system. This is absolutely the worst service and the worst online system I have encountered.

I recently opened a new checking account with Chase earlier this week, motivated by the $125 online coupon only to find out my account would not honor the $125 coupon. The reason so is due to incorrect information explained to me by the new accounts representative. After stating to him that I left the coupon at home and would be happy to retrieve it seeing as I just moved across the street, he proceeded to tell me, "That wouldn't be necessary, you have seven days to bring it in from the time you open your account." So to my disappointment, that was not the case when I returned with the coupon this morning. Apparently, the coupon is only valid at the time of opening the account as oppose to what the rep. stated.

Obviously, this misinformation was at the fault of the bank rep. So why must I feel left in the cold? This is an unfortunate way to begin a new relationship with a bank. Leaving your new client feeling misled and you not trusting is simply deceiving and unprofessional.

I used Quickpay to send $1,000 to my son on 11/15/11. That was fine. But, the next day (16th), Chase made another $1,000 payment (overdrawing my account and incurring overdraft fees). Then, on the 17th, they sent an email saying they were reversing their error. However, their reversal was not done correctly and made another $1,000 payment (three total) further worsening the issue and the fees. How negligent, incompetent and careless can a financial institution be before consumers switch to something better.

Instead of a single $1,000 payment, Chases' errors made three $1000 payments, overdrawing my bank account and racking up overdraft charges. Their attempt to fix the problem actually made things worse. And they were completely clueless until I called and pointed out their double mistake.

The ultimate consequence is that this issue is not the only issue I have had in the past two months and I can no longer trust Chase with my financial transactions.

I used QuickPay to pay $700 to my wife on 11/15/2011. They duplicated the transaction on 11/16/2011 i.e. total of $1400 was withdrawn from my account. This resulted in my account going in negative balance and charge of $34 of insufficient funds. I narrowly missed my credit card repayment as it was debited on the same day. They said they fixed it and I got the money back on 11/17/2011 afternoon (EST). I also received an apology email from Chase stating it was their mistake and it won't be repeated. However, I wake up today morning (11/18/2011) and that $700 is gone again. I am left with negative balance again. I can't do any transaction or buy anything as a result of this. Also, the stress of waking up everyday with message showing that your account is in negative balance is taking a toll on me. I called their customer service but they have no clue about what is happening. I hope someone can help me with that.

Chase has the worst online banking software. I was originally with WAMU, and got switched when Chase brought WAMU. Ever since the switch, I had nothing but grief, which I never had, when I was with WAMU. Every time I changed my password, Chase online software would reactivate payment that has been cancelled, and double pay my bills. Chase customer service has IQ below 20, and has no clues about anything. All they do is make excuses and not do anything to fix the problems, because this has happened more than one time. I would advice people to switch banks. I know I will.

On 11-03-11, I went to this branch bank in Dallas, TX located on Martin Luther King Blvd. around 5:00 pm. I cashed a check and made a deposit. I was in a hurry to get back to work from my break. Since I was in a rush, I left my money at the teller window. I did not realize it until after the bank had closed. The next day, 11-04-11, I went back and explained what happened to the manager. He had a teller lady get my info and said an investigation would be done. She told me I would receive a phone call that day and would be told how long this would take. I never got the call. I do not know what is going on. The cameras can be rewound to that date and time. They would show that I did not get my money. I had a blue Dart uniform on and was at the teller window next to the door leading to the back vault. My account number is **. Get back with me and let me know what is going on.

I received a check from Texas Wind for Ike damages, with my name and Chase's name on it. Chase will not endorse the check without a pile of paper work that had to be gotten before the work was done. They never said this beforehand. Now after the foreclosure, it adds more red tape to the problem. Chase has no intention on solving the problem. The money is mine and for the damages that I paid to have repaired out of my own pocket

I was overcharged 2000 dollars by Hertz Rental Car in Cancun, Mexico. I opened a claim with the overseas dept. (claim number **) and was given a partial refund of 481 dollars. But I was told I would need to fax them the papers from Hertz to continue the claim. When I did, they refused to reopen it. They lied and said I had settled it. I went to my bank in the Calif and showed them all the contracts that I had faxed and they still refused to reopen the case.

I am not in the habit of wasting my time, but this deserves some prompt attention. After being your customer for many years, I have come to the conclusion that we are not on the same team and I bank with robbers. I was forgiving when you kept denying me a credit card, but you made amends by sending me one with a horrible interest rate. Nevertheless, I remained a customer. I told you that since I have been banking with you, I have purchased a home, sent 2 children to college and gone myself for the last 2 years and bought 3 cars. You have not been a part of any of those transactions. You would not provide/loan me a dime, even though my history shows I pay my debts. Whatever! Now, you have taken your last insufficient fund fee from me and gotten on my last nerve.

Last week, I received a letter that you paid a fee for an amount that was withdrawn from my account. The amount was $8.25. The charge took place on 11/3/11 I was told. I just started a new job after relocating from IL to Arizona. I did not even have that amount in my account. So I got the letter stating you paid it and I took $34.00. A few days later, after trying to remember what I may have purchased, I called the bank because I did not recognize the amount. I know I had not spent that amount because I did not have much money. So I called to find out what was going on. When I called the first time, the person on the phone suggested I call the merchant. So I did. The only information, your employee said, that was associated with the amount was, AD and D and had a telephone number. I was unable to get onto the internet at work so I had to take her word for it.

So today, 11/10/11, I called the merchant number given and the person who picked up the phone said Chase. I asked, what did you say? He would not repeat it. He just asked how he could help me. I told him I need to know the name of the company and he was insistent on who I was and my information. Finally, he told me he was a third party billing company for financial institutions. I said, you mean a bank? He said yes. I told him the problem of the money being deducted from my account unauthorized and he said I had been a member since 2001. I did not know what he was talking about. I told him I don't know who you are, but I have not signed up for anything. He said that my bank had me enrolled in their insurance. I told him I don't have any documentation authorizing any such thing and shouldn't I have received some paperwork or an insurance policy? He told me to call the bank.

So I called the Chase main number and asked for the dispute department. Chase said they don't do insurance and suggested that I close the account. I said that would be fine except, I am going to pay my mortgage tomorrow through the bank. I will need to close the account once that transaction happens. I barely had enough to cover the balance of the mortgage in the first place, but thanks to all of this I now had even less. I called the third party billing company back and told them to cancel me out of their system. It is amazing how I was able to do it over the telephone real easy. I also asked them the dates that had been billed. They said they bill quarterly and they told me May, August and November and I could count backwards from there. I was thinking, how did I not notice this charge for all those years? Now, I don't remember seeing this charge on my account so I called Chase back.

Let me just mention that during this time, I got disconnected twice and no one bothered to call me back. Chase did tell me they didn't see any billing prior to February 2011. The lady I was speaking to was Michelle. I told Michelle I would like to file a claim and I want the insufficient fees reversed. Michelle was professional and told me (listen to this) I should read my statement more carefully (okay, I will take that) and that the first charge of $8.25 happened in February and at that time, I had 60 days to inform the bank. Now that it is November and I am just finding out about the charge the insufficient fee stands and the only thing I will get back is $8.25 from the first charge in February. I was outraged, pissed, shocked and disgusted! So this third party billing company that states that you hired them to enroll people into an insurance program gets to keep the money. No questions asked, no repercussion.

How in the ** does this figure out? The third party billing (who is possibly hired by Chase) gets $24.75 of my money and chase makes $34.00, while I got robbed. You people are a riot! Tell me how this works for the customer and why I should accept this or continue to allow you to handle my money (while I look up the number for WGN, CNN channel 12 news, BBB and whoever else will listen)? It may not seem like much to you but it is my money, it is the principal it was taken without my knowledge by some bogus company that seems to have a lot of my (banking) information that claims they were hired by my financial institution which is you. I now believe the third party billing company and believe that Chase employs trifling thieves. I will be closing my account immediately!

This is not the first time you have screwed up, but it will be the last time you'll screw me. I still have to deal with the problems you caused when last month, I did a $1700 QuickPay transaction to my husband and the money was missing for a day. We did it on a Friday morning and the money mysteriously showed up a day later. But when we called, we were told it takes one business day. You liars! We do QuickPay transactions all the time using your system and never had it take a day, except for the other time you screwed up. Then we were told there was nothing that could be done until Monday. We were in the middle of moving and my husband was in a U-Haul truck in the middle of the night unable to get a hotel room because we had no more money.

Unfortunately, my husband had to suffer once again for what continues to be ongoing ** with Chase. Now, it is time you face your errors. Even your lying commercials make it seems that QuickPay happens at the touch of a button. This was not the first time you all ** up, it was the 2nd. The first time, the money was in limbo for a week. Imagine that a QuickPay took a week. I keep getting a lot of **, excuses and keep getting screwed but not a phone call, no apology. Nothing, zero. You are costing me too much to bank with you. Sanity and peace is too much to pay! You need to make all of this right! You all **!

I applied for a line of credit with my business last week. I was looking to take a loan that I have seven times the amount of collateral in a savings account with Chase. We spoke about using this money and having a lien put on it so that the loan was protected. After calling several times to get the result of the application, I was told I was denied due to my credit score. I have never made a late payment on anything in my entire life and I pay every bill in full! I was also told I was not in business long enough. I have everything I need for this loan, and I feel that this is unjustified considering my financial status. I am not able to make this investment in my small business.

I went to the Chase Bank branch located inside of the Dominik's food store in Mundelein, Illinois (176 and Midlothian). I requested that my account be closed. After getting home and examining my receipt, I noticed only a withdrawal. Upon calling customer service, I discovered that my account was never closed, leaving me open for monthly fees. I understand the banks are losing many customers these days, and for good reasons, but this seems like a practice that the branch manager told the employees to attempt to counter lost accounts.

My friend and I went to the Chase Bank, in Indian Hill in Claremont. California. to cash a check drawn on a Chase account (I do not bank with Chase) and she, to make a deposit. Of course, this is during the work noon lunch hour and there was a line of customers with two tellers! A couple of bank officers (unknown on designation) were standing on the gate opening the gate like a greeter in Wal-mart; we were wasting our lunch hour.

Then, there were multiple "cubicle employees" (suits, etc. ) there talking and laughing. My questions: are do they not know who is assigned to take care of customers with the banking service and do they not have the knowledge that the teller has or is it just below them to wait on banking customers? My friend began to tell me how unhappy she has been with Chase for a while, and this seemed to compound her feelings, and she also said that she was planning on looking for another bank. My opinion is Chase is not customer oriented and the two officers, instead of standing like a gatekeeper, should help the customer.

I asked to refinance my home loan. I have excellent credit and have never made a late payment. I also have savings and checking accounts with Chase. I feel that 6.375 is way too high, especially when they pay me practically nothing on my savings account. They would not refinance my loan because they could not sell it to Norway. What a joke! Is this fair?

My friend (who banks at Chase) and I went to the Chase downtown Shreveport, Louisiana yesterday; me, to cash a check drawn on a Chase account (I do not bank with Chase) and she, to make a deposit. Of course, this is during the work noon lunch hour and there was a line of customers - with one teller! While standing, a bank officer (unknown on designation) came through the line to apologize for the wait and to tell us that they had employee call-ins and were short-handed but the one teller would take care of us as soon as possible. Then, she went to her cubicle with another officer, talking and laughing while we were wasting our lunch hour because your employees called in sick and caused this problem. Well, it is not our problem.

Then, there were multiple "cubicle employees" (suits, etc.) there talking and gathering. My questions are do they not know who is assigned to take care of customers with the banking service and do they not have the knowledge that the teller has or is it just below them to wait on banking customers? My friend began to tell me how unhappy she has been with Chase for a while, and this seemed to compound her feelings, and she also said that she was planning on looking for another bank. My opinion is Chase is not customer oriented. Chase's officers do not feel the need to exhibit personal service, and I would not consider Chase based on this experience, if I ever do change banks. This was totally unacceptable.

I visited a local branch on Huntington Drive in Arcadia (cross street: 1st Ave) this morning. I went there to make a deposit for my daughter's account. While I am filling out the deposit slip, a figure appeared, and stood in front of me while I was completing the deposit slip. I was filling out the form, so I didn't look up. A woman was looking at me when I lifted my head. She then asked me if I was making a deposit. I said yes. She then told me that she could take care of it, and led me to a cubicle. Then, she immediately began asking personal questions after questions.

She asked me where I worked; if I was off today; how long I worked at my work; where my daughter worked, what city; if my daughter was still in school or working; if I had a Chase account; if not, why not; if I wanted to open a Chase account today. if I make $10,000 deposit, Chase gives me $100 bonus; if my daughter had other Chase accounts. It went on and on while another woman took the deposit slip with the check in a blue pouch, and went somewhere. It took a VERY LONG time for a deposit to be processed by any standard. Before the other woman returned, Jeaneen *** kept asking questions after questions. She gave me here business card. The card says she is a "personal banker" at **** with phone#s: ***. This is not the first time I was literally "interrogated" by a Chase banker. It happened at another branch not too long ago.

Chase bank is making an attempt to steal our house and property after 16 years of making payments on time and never being late on house payments or taxes. Chase put me in an escrow account. Our account was paid and in a "0" balance, when Chase bank sent in another check. They will not fix this problem that is on their end. They paid a portion of our taxes and set us up for foreclosure.

I have a Chase Checking Accounting. Times are tough, so I don't keep too much money in there as I have another checking account in a different state. I was with Wamu before Chase took over. I have been doing some transfers between Chase and my other bank recently and I missed making it to the bank on time for one of the deposits. Today, I do to check my account and I am denied access. I call the 800# only to be transferred to the fraud prevention department who informed me that my account was being closed. I asked if there was something on my account that caused the closing. She said no, they had just decided to close my account.

I have not had many issues with my account, but their customer service has always been shady. Needless to say I was shocked to learn that I would not be able to access the money I do have in that account and they (Chase) would be sending me a check for the balance after 10 to 15 business days. In other words I have to wait 30 days approximately before I can get my money back. In the meantime, what am I supposed to do about paying my bills, putting gas in my car with them holding my funds. The customer service lady didn't seem to care one way or another.

I deposited 1500 dollars worth of cashiers checks into my chase account that were sent to me by my mother. Apparently when the fraud department called to verify these checks, the representative from chase bank misunderstood the rep from Wells Fargo bank and chase bank put a 9,999,999 hold on my account. Due to an incompetent rep from chase bank, I have been wrongfully accused of fraud and have suffered damages.

I am currently trying to recover this deposit and will be closing my accounts with chase bank. Wells Fargo was much more of a help in resolving this problem than my own bank (chase).

I deposited a legal check which clear Chase Bank in 2 days but they help for a full 10 days. I don't have a problem. However, 13 days later, Chase Bank places a restriction on the account saying that I cannot use the account for 10 days and that within 15 days they will be closing my business account and sending me a cashier's check for the balance in my account, over $80,000. 13 days into the 15 day wait for my cashier's check, they informed me that my account is actually frozen by them, no one else. . No other entity and that they are going to hold my money, ready for this? Three years. Yep, that is exactly what they told me, their excuse? We are not sure that the check you deposited is actually going to clear. Yet, the bank the check came from says they PAID the check on the 2nd day after it was deposited.

So consumers beware! Chase Bank feels that they can arbitrarily decide to hold your money. They claim that someone giving you a check has up to three years to dispute the check and ask for the money back. Really! I contacted the OCC regulation site and the maximum amount of time they are allowed to hold a check is 10 days. They are making up their own rules. Do not bank with Chase!

We are self-employed and a few months ago got 3 months behind on our house payment. We called Chase, got on a repayment plan and filled out all of the information needed to get on a loan modification plan. We have been making payments on the new amount to catch up on months behind. Today, I called to make a monthly payment. They won't accept it because, according to them, we are 4 months behind.

The customer service representative that was working our loan modification application is not working it anymore - no one is. One agent told me that we haven't made a payment since July. I kept asking all of the four agents I was transferred to, what should I do? No one had an answer. After 2 hours of the run around, they hung up on me. I don't really know what to do?

I lost my direct deposit when I lost my job. Now I have to make 6 purchases on my debit card to prevent a $6 charge to my bill. "So I have to spend money to prevent you from charging me," I asked the Chase representative on the phone. She laughed and said, "They can be small purchases, like a candy bar or a pack of gum. " I repeated myself, "So Chase is making me spend money so I don't lose money to Chase? " "Yes," she said. Talk about a slap in the face.

I have a credit card with Chase, and every time I pay a major part of it off, I get a notice that they are lowering the amount I can use to well below the original amount. I make payments above the minimum by $200 per month, and now only owe $3000, which I will pay off by the end of the year. Chase can have their card back. I will never do business with a back that took bail out money and does not treat the customer better. My other cards have not changed and the Credit Union treats me the best. I recommend that everyone move to a CU for great service.

Chase was contacted and they stated my credit score was the reason for the reduction in my rating. So how come a rating of 712 is considered bad and an income of $180,000 plus is considered not good enough. I will be dropping Chase when the card is paid off.

Overall experience is terrible. I had an traditional IRA CD with Chase in Miami, FL. I wanted to renew it, and I went to the Brickell Branch on 800 SW 8 St., Miami, FL. When I arrived, a Chase investment employee greeted me, and I told him I wanted to renew my IRA CD. He lied to me, giving misleading information, and he placed the money into an investment account--bonds and mutual funds were tied to the stock market.

I called the manager and the supervisor to complain of what was given to me without proper explanation, once I received the statement the following month in September 30, 2011. The account (annuities) was opened on August 31, 2011; the retirement investment account on July 25, 2011. When I called the financial person from JPMorgan Chase Bank to question him regarding my accounts losing money, his answer was that he explained it to me, and that it was his word against mine. His name is Julio **, and I would like to request an investigation to that respect. If I cancel the accounts now, I will be losing around $4,000 due to his misleading information.What he did without explanation was unethical and illegal. Please get back to me as soon as you can to help me out.

On October 5-6, 2011, I wire transferred money to beneficiaries of my late wife's estate. Three of them live in Canada. At the time of submitting the requests, I was advised that wires to Canada can only go out in Canadian dollars and not US dollars. I wanted to send the money in US dollars, since the Canadian accounts were in US dollars. With no options offered at that time, I went ahead with the wire transfers at $45 per transfer. A few days later, two of the beneficiaries contacted me, saying that the money they received was substantially lower by over 4 percent than the original amount sent.

It turns out that Chase had to reconvert the money going to Canada from Canadian dollars back to US dollars. And in the process, it added a 4 percent fee. I contacted the banker who made the wire transfers to Canada. She told me that a special request can be made at the time of the wire transfer to Canada to send the money out in US dollars. Why wasn't I given this option at the time of the transfers? I promised my wife's nieces and nephew in Canada that I would make up the difference, but this whole transaction has me very upset.

This omission by Chase is going to cost me over $1,500. And I plan to close my Chase accounts and move the funds to our county credit union.

Wow. Chase suddenly decided to close my checking and savings account and I tried calling and going to the bank and they never stated a reason why. There is a reason for everything and that's the least explanation every customer, as myself, deserve! What is their problem? Terrible customer service.

I'm sure I am not the only one with this problem and something should be done. They just can't leave you hanging there. I just use my account for little debit card expenses and have, most of the time, my balance over one hundred but less than one thousand...... I really would like for someone to tell me what's going on.

I opened a "free" checking account with Chase with their $125 incentive, only to find out, after I opened it, that I had to maintain a $1,500 balance for it to be free or do direct deposit, but it only applies to direct deposits from government checks or company payrolls. I am a small business owner looking to have a direct deposit account for sales through a merchant account, and that doesn't apply.

When I chose to cancel my account with 24 hours of opening it, they informed me that because I didn't wait 90 days, I would be charged $25 for each account - checking and savings! If I wait the 90 days, I will still get a $30 charge, so no matter what, Chase is ripping me off money. Do not open an account even for a minute with Chase! They are not for the people or their customers! This is a huge mistake that cost me $50.

I had a transaction with QuikPay that was cancelled by Chase Bank. They told me that my business account would not be affected, but they simply froze both personal and business accounts, but it took months to return the funds. I filed a small court claim, but was dismissed because there wasn't any out of pocket costs except time, hours on the phone, and rudeness by Chase personnel. I finally received my funds 3 months later.

As a result, they have threatened to destroy my credit rating by reporting me to ChexSystems, credit bureaus, etc. This has been the unbelievable devastating experience of my life. I am just a small business owner.

On May 27 2011, I by myself started a loan application with Chase Bank. Thirty days later after revising the whole application, they requested me to add a co-borrower because I don't meet the length of employment which was 2 years. So, I added my father-in-law as co-borrower. Because they can't process an application in a short period of time they denied it and asked me to re-apply in order to continue with the adjudication of the loan, which I did. Once seller and I agreed to continue, the appraisal report came with so many errors.

On July 29 I submitted to Chase bank Addendum No. 2, which states that commitment period is Aug 2 and closing date August 30, so I can continue with the process on getting a commitment approval to close the deal. Because there were FHA contingencies, Chase was unable to process the application so they asked me to request an extension period.

Between Sept 16 and 20, I submitted the requirements. Then, I called to confirm that the underwriter got right what he asked me, the response to that call was yes, everything was okay. Once I completed with the requirements, Mr. ** advise me that they would need 48 hours to get me an update of the underwriter's decision, such event never happened. From Sept 20, I was calling almost every day to get an update and check that everything I submit was accurate.

On Sep 30, 2011, which was the deadline to get a commitment approval, early in the afternoon, Mr. Taj ** called and advised me that he still did not have an update of the loan application and asked me if I want the denied letter. An hour later Mr. Taj ** called and notified me that the underwriter couldn't even look at the application because still there are missing documents. After arguing with Chris on why the underwriter had been waiting until the last minute to notify me that he still needed more documents, he told me the requirement verbally, but I asked him to please send me an email letting me know what documents he needed were so I can provide the right ones. He did not send it. Still, I submitted those immediately.

On Tuesday morning Oct 4, I called Mr. Chris ** again. He said he apologized he didn't call me because the underwriter still hadn't looked at my file but he promised me to revise it that morning. He said he would call by noon but of course, he did not call me. Neither has he given me positive news. Around 2:45 pm I called him and he said my loan has been denied.

I really worked hard to get this loan approval. I did everything I could, I was diligent. I provided all the requirements on time. I worked with the bank and gave them as many extension of time they needed, so they do not have to rush or make a poor decision. I kept track with my local branch daily, that everything has been submitted on time and accurate. I cooperated as much as I could just to get a fair result. But what I received was an unprofessional, inaccurate, and lazy job. The application was on the underwriter desk for a week before he or she realized that there was something missing.

My checking account was originally Washington Mutual. They were bought by Chase, and ever since, the service I have received has been deplorable to downright fraudulent. First off, they took 6 months and numerous emails and calls to issue a replacement ATM card (I didn't get a new one until the broken card actually expired). They can't seem to get my address changed for the account which causes issues with Paypay, and any time I use the ATM card where a zip code is required, I have to use the zip from the place I moved 2 years ago. Then, to top it all off, they start charging me $10 a month for my free checking account; for the pleasure of this wonderful customer service.

I had a Washington Mutual free checking account. Chase bought Washington Mutual, and began adding a $10 fee each month to my account. I did not receive the mail about the changes to my account. When I decided to close the account, they said that they would reverse the charges as a courtesy. At the closing of my account, they did not reverse the charges, and I lost at least $50. I encouraged people I know to cancel their Chase bank accounts.

I have never want to become a Chase Bank costumer. My checking account with Washington Mutual Bank has been transferred to Chase because Chase wants to terrify WM's costumers, I guess. Now, I realized that my checking account was charged seven times for a $12 service fee because my account does not meet their $1,500 balance requirements for each month. I haven't signed any paper or agreement that they can charge a service fee from my account. They don't like poor costumers and they don't want to serve them. They have no right to charge their costumers just because their balance and income are not good enough for them. That is fraud and discrimination. They refused to refund my money back. How can I get my money back from them?

It should also be noted "re: abusive overdraft policies", that Chase has made it almost impossible to escape an overdraft fee by limiting the ways that a customer can transfer money into the account to prevent the charge. When Quickpay was first introduced, my family used it often to transfer funds from one Chase account to another. The transfers were always completed within just a few hours time. Now, they are refusing to credit an account with a transfer on the same business day, even transfers between two Chase accounts which is a simple and straightforward process. They are also refusing to do telephone transfers between Chase accounts, which I used to do fairly regularly in the past. The only option that you have with Chase if you have an overdraft is to drive to the bank and make a direct deposit. And even then, there is no guarantee that they will clear the deposit in time to cover the overdraft and avoid the fee. I have seen them hold deposits to generate a fee on more than one occasion.

I opened a Chase checking and savings account in July 2011. I opened the account to pay for my rent. My landlord changed the rent payment method; thus, the account has never been used. I deposited $25 initially and planned on just keeping my rent in the account. I have another account with another bank. I ordered checks on the account and the branch manager said that the checks would be free.

Then, I got my first statement and they charged $18 for four books of checks! I kept $7 in the account to cover the next month's fee. I was shocked to see that I was overdrawn by $6. The bank overdrew my account by charging me $12 for a service fee. I was charged for my savings account also. Who charges for a savings account? I went to close both accounts today and the bank said that they would charge me $50 to close an account. What the **? I have to wait another week to close out the account.

I have two other checking account that I use: one to pay my bills online and the other for direct deposit from my employer. Both banks do not charge me a cent for banking with them, only $4 for a maintenance fee. I can't afford $16 for nothing. This bank is only interested in fees and not in customer satisfaction. Avoid this bank at all costs. I am glad that I found out about it before I tried to use checks on the account. Savings accounts are supposed to earn money and not for the bank to earn money.

I was placed on auto-bill by an internet dating site without my knowledge. I paid for the first year, but did not use the service after that. I tried to explain this to Chase, but they would not back me up. What started as a $100 charge in around 2006, has now grown to nearly $700. The additional amount is made up of interest and late charges. In addition, I am constantly being harassed by their collection agency, both over the telephone and through the mail.

Chase has closed all of my checking accounts and savings accounts with a short notice on 8/27/2011. I have a good credit score and did not have any problems with at all. I opened the accounts with Home Savings Bank back then and they were bought out by Washington Mutual, and then by Chase in November 2009.

I purchased (not rented) a T4210 credit card machine for my small business for $300 with Chase Paymentech. I decided 3 months after purchasing that I wanted to use a more affordable merchant services company. I realized that there was a lock on my machine. I tried for hours to have Chase Paymentech unlock my device. After 2 days and several technicians, I realized that this device is defective and requested a refund. I spoke with 2 or 3 different people before getting someone in the Proactive Service Management Department who explained to me that they do not usually give refunds. After a long discussion and lots of back and forth, the gentleman said they can reimburse me but I would need to pay $150 restocking fee. I complained about the restocking fee but finally agreed to return the machine even for $150, as long as I got something back. I returned the machine to them in the package that they sent. I returned the machine but never received a refund.

I've had a Chase checking account for several years. It was a free account, with no minimum balance required. Chase changed the requirements on my account, making it require a minimum balance of $1500. They never notified me of this change. They charged my account $12 for 8 months. I didn't notice it at first because the fees were not listed on my account as transactions, so I thought my math was just off, causing the balance discrepancy. I just found out about the fees today when I called and questioned about why my account was routinely off by about $10. It took 2 hours on the phone, and talking to 4 different people to finally get an honest answer. They refused to refund the fees, and said that it must have been my error that I didn't know about the changes.

I think it's appalling that a bank can get away with just taking money out of people's accounts without telling them, then lying about it. How is this not illegal?

Chase Bank has made the decision to choose merchants over their customers in any dispute over debit card charges. If you have ever used a Chase debit card, you will shortly find out that the merchant that you used it at can reach into your account at anytime and take (steal) funds. If you contact Chase, they will ask you to contact the merchant first. If you cannot resolve the issue with the merchant and contact Chase, they will tell you that there is nothing that they can do. I have sent emails regarding this and have cc'd Chase's CEO Jamie **. I did receive a reply that indicated that there was nothing that they could do. This is clearly taking the side of merchants over customers. I will be closing my personal account and business accounts--as will my colleagues.

I went in to get a cashier's check. I was told it would cost $8. I asked for them to waive that and he said no. So I paused a moment and decided to go elsewhere.

I asked my mom to wire me some money from Italy. The amount I requested was $7,485. She wired EUR 5,470 which was the same amount at the current market exchange rate of $1.36/EUR (as of 9/19/2011). The amount I received was $7,249.49, that is $235 less than expected. This was because I found out afterwards that Chase does not use the market rate for incoming wire transfers of foreign currencies but a bank exchange rate that is completely arbitrary and corresponds to a 4% commission. Is this legal?

I asked for a disclosure document and they cannot provide any. Why would they steal money from my personal funds? This was not a loan with a 4% interest rate. It was my money that my mom sent me from another bank. I have read plenty of stories on the internet claiming the same 4% hidden fees that Chase charges to unaware customers who receives transfers through their bank account. One person lost $1147 in a single transaction because of Chase's arbitrary bank rate.

Useless to say, I went to speak to a branch manager twice and the only thing they could tell me was to call service numbers where no one could help me either. I think I have spoken to 6 or 7 different people. All I am asking for is to have my money back. This is absolutely blameworthy. I don't understand why no one has yet filed a lawsuit to get back what was stolen from their earnings. I would like to know if there is anything that can be done in order to straighten this issue out.

I recently got the following alert from Chase about my current account: "As of 09/22/2011, at 2:19:07 pm EDT, the account available balance was -$10,000,019.00, which is less than the minimum balance of $50.00 in your alerts settings." Given that, I checked my statement earlier in the day (it was overdrawn $20). I was shocked. I called the customer service to confirm that it was a mistake on the bank's part. After a 30-minute call of questions and casually being put on hold, I was told that the bank was closing my account with no explanation why. I believe I deserve an apology and I am willing to take them to court.

A sheriff contacted me in early August, informing me that the teller I made my deposit with AT Chase bank is involved in an internet scam. The sheriff informed me that the teller used a check I gave her to duplicate and redeposit into various accounts. Then, on September 18th, I received 2 phone calls from "Chase tellers" out of CA that were suspicious about a particular person trying to cash a check on my account. The first teller cashed a significant check against my account. The second teller did not. Each check was by a different named person. However, it was the exact same amount. After contacting the sheriff, he advised that this is most definitely an inside job.

I have 2 loans with Chase. I am, unfortunately, bound to them. But I feel that they do not deserve, nor have earned my business. They should pay a penalty, especially when the police report clearly states and confirms it's an inside job. Chase never notified me when the teller stole my deposit in May. When I closed and reopened another checking account yesterday, I was told I had to maintain a balance of $XX or pay $15 per month. It was because the plan they gave me originally was not available any longer. I was appalled. They would make me a bigger victim by paying them when it's their stinking fault to begin with! I fussed enough. She said, "Oh wait...since you have 2 loans with us, you don't have to pay the monthly fee." I would love to see them make right. But actually, I fear them as they are capable of keeping my money for various reasons. I'm still hearing about that happening to people.

Chase bank is taking $1,171.00 out of my checking account every month without my approval. I do not have an account with Chase. My bank has refunded one payment but then Chase turned around and took the money out again the next month. I tried calling customer service; however, they said that they can't help me. I have to go to my bank every month and file a check affadavit to get my money refunded. The problem is that I can't close my checking account because the bank has to refund my money back in there.

Chase Bank lost a massive class action lawsuit recently for their abusive and unethical overdraft practices. It appears as though they learned nothing from this lawsuit and have gone right back to the illegal practice of re-arranging debits to maximize overdraft fees.

Something has to be done to stop this, enough is enough!

I had damages to my home, in May of this year, due to a tornado storm. My homeowners insurance was called and a check was mailed to me.

I mailed the check to Chase Bank to endorse and return but I receive a letter from Chase stating that they could not endorse the check because I was behind in my mortgage. I was sent papers to sign and return to them.

As of today, my repairs have not been completed because Chase refuses to send the check. I was told by letter that once I do 90% of the repairs, I needed to call them to set up an appointment for someone to come out and inspect the repairs before they would release any funds which doesn't make sense to me because repairs cannot be completed unless we have the insurance money.

I don't understand what I pay the insurance for, if this is what I have to go through. The inspector came out and stated that repairs are 33% completed. Chase will not send any funds at this time and I was advised to call back when 90% are completed. This is impossible.

Around August 17, 2011, I went online to check my Chase account and found out it had been deactivated. There was a number to call to activate my account. I called the number and was told my account was restricted and it would be closed on August 25, 2011. I asked if I was overdrawn and was told no. I informed them that I had direct deposit and my pay check would be deposited on August 20, 2011. I asked if I would be able to get some money out of it if my auto-payments would be paid and I was told they would be returned. I was told that a cashier's check would be issued 5 working days after my account closes. I asked why my account was being closed and I was told that it would be in the letter with the cashier's check.

I went into Chase Bank in Beverly Hills to open a checking account. The new accounts person informed me he couldn't open an account for me because my Social Security number was already in use for an existing account. I told him that it's illegal for a person to use an SS number not assigned to them. He said the bank policy is "first come, first served" and, since my SS number was already in use, he would be happy to open an account for me "using the SS of a relative, friend, or just make one up". I told him that was unacceptable.

I went to the Social Security office and got a statement from them proving my SS number. I went back to Chase and demanded they close the fraudulent account. They told me to contact their Security/Fraud department, which I did.

I informed them of the problem and requested they comply with the law and give me the fraudulent acct info and close the account. They told me that I could fill out their form and send it in, but they would not comply with the law and give me the account info or close the account.

The person said "The law doesn't apply to Chase Bank. We will not give any customer account info to you, the Police, the FBI or anybody else! If you don't like it, it's too bad", and hung up on me.

After discussing this with my accountant, he said it was the best thing that ever happened to me! My lucky day! He said from his experience, that anyone who opens an account at Chase Bank should just shoot themselves in the head and save themselves from the misery of dealing with the various frauds perpetrated by Chase against their "customers" AKA "stupid suckers".

JPMorgan Chase CEO Jamie Dimon is America's most dangerous terrorist, a threat to the financial safety of all Americans because he never met a fraud he won't commit. Fraud certainly pays well. He "earns" his $57,000 a day paycheck by stealing it from the accounts of Chase Bank "customers", one dollar at a time.

I'm very glad I don't have a Chase Bank checking account!

I have had what was supposed to be the "Totally Free Checking" account with Chase bank (aka Bank ONE) since June 2004. The account was "Free" with the "Automatic Deposit" of my State of Michigan Pension checks, which are deposited between the 20th and 25th of each month.

Many monthly statements received from Chase do not reflect transactions or deposits on the 25th of the month and, in fact, begin on the 26th or 28th and end on the 24th of the month. Which frequently results in one statement reflecting two deposits and others reflecting no automatic deposits during the statement cycle.

The August 2011 reflects that Chase is going to start charging a "Monthly Service Fee" if no "Direct Deposit" is posted "During" the "Statement Period". In fact, my August 2011 statement (June 28, 2011 through August 24, 2011) clearly states "You did not have a direct deposit this statement period." This means State of Michigan Pension recipients (retired teachers, civil service and/or state of Michigan employees) will get screwed into paying a "Monthly Service Fee" every time Chase issues a "monthly statement" that does not reflect the transactions that occur (ed) on the 25th of the month... What the ** kind of ** is this?

Also, in 2009 (despite my excellent credit and payment history) Chase made my "Home Equity" line of credit unavailable to me, yet has continued to charge me an annual $50 fee for an account I can no longer access... and no, I never used half of the $25,000 "line of credit" available to me, so Chase could not claim I abused-overused-or was in any way a risk when it came to that account.

This bank has absolutely no ethics when it comes to dealing with its "customers" and their accounts. It is a dirty bank... I am closing the PITA (pain in the **) account after receiving the September 2011 statement. Good luck to all you trusting souls who remain loyal customers!

The fees they charge for savings accounts are ridiculous. I was looking over a statement from June and found that after four withdrawal transactions, I was charged $12. Then after another transaction another $12. Again, another transaction, and another $12. One more transaction and one more $12 then one for $18.

They say this is due to Federal Regulations, or whatever, but I think it is the bank's way of obtaining more money from me!

Also, according to their website, I am allowed 6 withdraws before the first charge and mine happened before the 6th, so what the **?

My husband is having a horrifying experience with Chase due to the death of his aunt. Chase and its representatives are behaving deplorably. My husband is executor of his late aunt's will. He has worked with lawyers in IL to get the will filed and accepted by the county. The will was filed in the appropriate county and they declared that it met the requirements of a small estate. As such, my husband supplied the approved document for DuPage County to Chase Bank.

Chase, after claiming that they needed cards signed and notarized by both my husband and I (since I'm the back-up executor if something happens to him), is now saying that the paperwork is not correct (that a line is not complete with a list of potential recipients), and they will not release the funds!

What is ironic is that the money is going to pay the undertaker and is then being awarded to a clergy member to ease his retirement. The deceased had no children. Her husband died 40 years ago and has only nieces and nephews. None of these people are named to receive money except for my husband (and I) and the clergy member. My husband and I are to receive a nominal amount for dealing with the estate and handling many of her monetary/tax issues over the past 10 years. The clergy member receives the rest after the bills are paid.

Chase is making a federal case over a small amount of money (won't answer calls from our local attorney) and keeps sending both the attorney and my husband to different departments. It is behavior beyond belief and is stressing my husband out. Since he already had by-pass surgery, I'm concerned that the stress is not doing him any good. Does anyone with experience of Chase's legal department or with this type of issue have any advice?

On August 19th, my daughter's teenage account was $763.00 over so we went to this branch to find out what happened on August 23rd. The bank manager treated us like this was our mistake when it was the bank who put this amount of money in her account from George **'s account who lives in Florida. So, they changed her account number then charged her account $25.00 for new checks.

She was trying to be honest and to do the right thing but now her account is overdrawn because of this. Plus, we have had to spend two hours of our time visiting this bank to try and get this problem straightened out. Why does she have to pay for new checks and change her bank account number for a mistake that this bank has made? We are very unhappy with this bank and with the treatment that we received from them, when all we did was try to be honest.

We were swindled into an interest only (neg am) loan with a cap back in 2007. We specifically told the loan officer that there was no way we would do one of those loans. We were told it was a 10 year interest only loan and would adjust after 5 years. We were unaware of the cap and were told that we were paying 5.99%. I have truth in lending and emails stating that from the management broker. We found out we were actually paying 7.99% with the 2% difference being added to the principal every month. We also found out about the cap the hard way in February 2011, when our payments jumped to $1000. This occurred after only 4 years and 2 months. Making the minimum payment, there is no way this would have ever been a 10 year interest only loan due to the cap.

So, since we couldn't afford the new payment, we called Chase to see what could be done. They were uninterested in hearing about the truth in lending and other documents that proved we were sold something other than what we had been told.

They offered to do a loan modification. They said we needed to be behind on payments and said they would send the packet. We waited - no packet. I called multiple times. After about the 5th call, they told me that they don't send them out and I needed to download it. Once it was filled out, it was processed rather quickly. That's because they raised our payment on our modification! People, they aren't going to lose your paperwork when they are raising your payments. That is for sure! They also added $60k to the principal (we are already $150k upside down before this) and offered us a 30 year fixed rate of 7.99% on a home we will never be able to sell and never be able to refinance.

Wow what a help! They offered us a higher payment - a horrible interest rate about 3% points over market and increased our principal even more. When I called to inquire, they said it was based on our income and we could afford it!

Chase does not want to help. They have done nothing to help. They send letters stating they want to help, but when I call, they say I have to pay everything in full. That is the only option.

Here is the real kicker. I read through my note and realized that at 5 years, my payment adjusts to Libor plus 50% that currently will be about 2.75%, so my payment will dramatically decrease on October. Had they told me that to begin with, I would not have let my house go into foreclosure. Now, I have late fees, attorney's fees, etc. Shouldn't they have had fiduciary responsibility to tell me that?

So, I called them and advised them that once my payment lowers in October, I can make the payment. I just can't make the 20k in back payments for the past 7 months, at least not all of it. I was told that I had to wait until September 1 to see what my new payment would be with the new lower interest rate and then we could try and get it reinstated.

About two weeks later, they served foreclosure notices on me. Also, I noticed that the foreclosure notices all say Wells Fargo. It looks like my loan was sold/assigned to Wells Fargo the same date they filed the foreclosure papers.

I don't know what that is about and who I am even supposed to try and deal with now. It's so frustrating. I will never deal with Chase on any level in the future.

While getting unemployment payment, I was sent a debit card from Chase Bank. In April, I took some money out and there was a $17.00 left in . I thought I should get the rest out, so I went to the bank and she stated that the card was expired of which I didn't know. She told me to apply for a new one, so I called today 7/8/2011 and after waiting on the phone for 22 minutes, a gentlemen on the phone said that I could not get a new card since there is no money in the account. What happened to the $17.00 that was left in there? Do you take people's money and keep it. I want to know what happened to the $17.00. You can't just take people's money that belong to them. It was an unemployment compensation monies. I want an answer.

I have gone to Chase bank, twice, to get a power of attorney signed for my 87 year old uncle. The first time, it was signed but when it was shown to a branch of Chase bank to order checks, they refused it, saying it was not a "Chase Bank Power of Attorney." I went the second time, did a Chase Bank power of attorney, had to return because they missed a signature, and signed it.

I cashed a check to pay his bills with my signature on it but the check was refused and the money was taken from my account. I went back to the branch and was told that the branch had filled out the paperwork incorrectly. I would have to bring my uncle in for a third visit to sign a new power of attorney, but I was also told that the money would be returned to my account, it was not. All two times, it was the banks error, but I am the one that has to pay.

For over 2 years, I have been working with Chase to get a modification. I spent many hours on the phone and never got answers for questions - always was still processing. Finally, I got a temporary modification, so I set up the payment over the phone. Chase drafted my account twice on the same day. I called them and they said there was nothing they could do, so I had my bank reverse the 1 payment.

Seven days later, Chase put the payment through. Again, I called and no one, after 2 hours on the phone, could help me. As of today, I am still overdrawn in my checking account. I have so many fees from being over drafted. I have not a dollar to my name because of Chase. I am a single mom and cannot even feed my children.

Since August 10, Chase bank has not returned my money. When I call, no one can help, and I am told someone will get back to me. I am so upset over this. My daughter just started school, and I cannot get her supplies since paying 2 mortgage payments a month was not in my budget. And one last thing, one of the mortgage counselors at Chase told me, "You were behind and owe late fees, and you're complaining about 1 extra payment?" I was very upset about this. I asked for the modification for a reason.

I got a free checking account and everything is going well for a short time and then they tell me that I have signed up for Overdraft Protection and I keep getting charged $25.00.

I told them that I did not sign up for that, to which they replied that it comes with every account. I asked them to take me off of it and they did. Alright, again everything is going well and then they start waiting to post charges until the opportunity to ding me with more overdraft charges happens. I tolerate it the first, second and third time, to which I call back and barely communicate with a few of their English major employees. Finally, they transferred me with one who speaks English fluently and can be understood perfectly and tells me to call back when the transaction has posted and tell whoever you talk with that I'd like to place one of my transactions on hold until there is enough money in the account. I'm cool with that, I've calmed down and I let it go.

Well, I waited until it's posted which by then is in the negative and I'm going to be charged an overdraft fee by these delightful people. I spoke with one employee who openly tells me that I've been misinformed by a Chase Bank employee! She transferred me to her English-speaking supervisor and he verifies that indeed a Chase Bank employee has deceived me, thereby committing fraud because he lied in order to cause me financial harm and dismiss any negative reactions I had about it.

I'm deeply offended by this, as a Chase Bank customer, and they will suffer the legal repercussions because of the fraud and the mental duress I've had to suffer through because of it.

Your Chase has closed my debit card twice without my consent even after checking the transactions activity with me as they said for "my account security".

Three calls with a total of two hours on the phone, the embarrassment of my card getting denied after my activity was verified, and the bad time of getting upset! I am a very busy person with a job and a business, I do not have the time to waste in repeating negligence. If this is the policy of your bank institution, to make customer go through this ordeal, then I should be notified so I can close my four accounts and transfer them to another bank institution!

Thanks for your time and many blessings!

I had an issue with a lost debit card. Chase put a hold on all deposit and withdrawal, returned every check I wrote, and every ATM transaction. Then allowed each check and transaction to be re-presented and returned a minimum of three times.

All said and done, I paid over $1,300 in overdraft fees, not one returned to me. Brought my account to zero several times to close it out and they continued charging fees for the same transactions that they put a hold on...this is fraud! They stole my money and there is nothing I can do....

The bank held money from our business checking account due to a "lien" being placed, wrongfully, by a party we were in a lawsuit with. Chase received two separate court orders to release the lien and return the bank NSF fees they charged against our account as a result of the lien. Initially, they returned the fees and lien. Then, they put the money on hold again taking over $8,000.00 in NSF fees from our business account.

The judge provided a court order to release all the NSF fees back into our account from the date that Chase held the funds out again for the second time. The bank also had two statements, one online and the other hard copy sent in the mail. The statement in the mail (also the one the IRS sees) did not reflect the funds on hold, however, the online bank statements printed showed the funds on hold (and the bank claimed that they weren't) but we showed the judge that they did. She agreed and ordered the repayment of fees and lien to be lifted again.

I'm not sure why they have two bank statements for the same account; other than to shield the money they were holding from the IRS for whatever reason (money they were banking interest on that was not reflected in the "real" bank statement). We have paid attorney's fees and Chase did not return attorney phone calls. Now we are facing more attorney fees while this "wonderful bank" continues to be in contempt of the court order demanding the refund of our NSF fees.

I had been a loyal customer without any problem since I opened a checking and savings account with Home Savings Bank in 1985. It was acquired by Washington Mutual, and then by Chase bank.

On August 1, 2011, I received a letter from Chase Bank mentioning my checking account will be closed on August 27, 2011. Checks should not be deposited within five business days from 8/27/2011. They did not mention any reason why they are closing my checking account.

I was recently a victim of fraud due to the negligence of this branch manager, which resulted in the fact I was held liable for a huge sum of money because he did not provide me with very useful information.

I just started a new online job and it went well for the first two weeks. Even though I was working with this so-called company, I still had at the back of my mind fraud. I went to the Time Square branch and asked to speak to a branch manager and was put on to Mr Val. I showed him my first paycheck and expressed my concern of fraud. He simply looked at the check and said to deposit it without any other warning or advise. I asked him when would the money be available and he said the next day.

So I was told by my employer to withdraw the money in order to purchase my office equipment. I did not hesitate because the manager told me the funds would be available when the info he held back was it was a courtesy of the bank to make the funds available and that if I had concerns, I should allow 6-7 days for the check to be fully cleared.

I did call him at the branch and he denied having this conversation with me. I even started paying on the amount because he said he would help me in order to save me from being reported to Chex systems every time I call. He told me he will call back, but never did. He promised to have my deadlines pushed up and when I called him, he gave me a phone number where I was transferred around and no one helped me.

I am frustrated and tired of the runaround, something I think could have been avoided if he was more informative.

I have a loan with Chase. I have been trying for over a year for a loan modification. I have been really aggressive talking to Chase and telling them I will probably fall behind because this past March, I have been on disability from work and my disability benefits will end. Plus my hours were cut.

I have been given every excuse in the book! it wasn't until a month ago when I was told my type of loan, FHA Ginnie Mae, does not do loan modifications and Chase can not do anything for me. In fact, I was sent a letter that gave me options, one of them said I am free to go with another lender if I wish to.

Now I am two months behind and the phone calls from Chase loss mitigation department will not stop even after I talked to four people since the middle of July, telling them I won't be able to make my July and August payment.

I have never been late with any of my bills or mortgage payments! Chase could not wait to report me to the credit bureaus! I think the customer representatives who work for Chase do not know what the hell is going on, let alone speak English! Chase claims they want to help us keep our homes. They are full of it!

I received a card in the mail offering $150 if I opened a checking account with Chase. I logged on to the Chase website and provided all the information required.

I did not apply for a credit card or a loan, just for a checking account to have my paycheck deposited into. I funded the new account. I signed up for online banking, including a user ID and a password.

Next day I could not access the account. I received a text message that my account was overdrawn by $9,999,999.99 (nine million).

I called customer service and was told to go to a branch to verify my ID. I went to the branch and the representative told me that I had answered a question wrong and Chase had cancelled my new account.

I left the building, puzzled. So, no account with Chase. It's the first bank that turned me down as a customer, although I wanted to bring money to the bank.

I've had a free checking account with Chase for four years. As of two months ago, they've begun charging me for this account. I was not informed they would begin doing this. In effect, they deceived me.

Originally (last month) they only confiscated the small amount left in my checking account -- because it was a negligible amount, I called and was told my account had been closed.

A few days ago I received a notification that they expect me to pay ten dollars for my empty account.

I opened a checking account in response to an offer to add $125 to my account after 6 months if I maintained a minimum balance. After 6 months (and 6 finance charges because I couldn't direct deposit $500/paycheck), I called and they said that the direct deposit was a requirement for the bonus as well. This was documented only in the fine print on the 20-page follow-up document they sent which actually arrived after the deadline was posted to set it up. In short, they dealt in bad faith by not being upfront about me needing to set up a direct deposit at account origination in order to get the bonus. I don't believe that what they did is illegal, but certainly it's dishonest. And I also don't have the paperwork I'd need to have to take them to court, which would cost more than the damage they've done. I just want to make sure the complaint is available to warn others.

July 26, 2011. I have numerous chase accounts and we are currently in the process of getting a third Chase loan. We have never had such a bad experience with Chase as we did this time. The loan officer Mark ** at the Chase Westgate Branch in Rochester NY has been horrible. He almost caused us to lose the house as he "got too busy to do the paperwork". We called to ask where the appraisal was as it was due in two days. We've come to find out it was never ordered. We also had not signed any paperwork yet. He never asked for the appraisal! He had weeks, yes weeks, to do it and he said "he's just been too busy". We had to get an extension with the seller's realtor. He also never locked in our loan rate until I had to ask why it wasn't done. His response was "I forgot".

Debbie and David **, the branch manager, have been wonderful. Without them, nothing would have got done. They apologized numerous times for Mark's actions. We also had the Chase New York State Division Manager, Ron **, help out. He pulled some strings and helped get the ball rolling. He also had to keep on top of Mark to get things accomplished. Because of Mark's inability to do his job, Chase had to involve numerous other employees to get the loan done. At one point, I had to contact the underwriter (Kristina **) to find out what they needed to finish the appraisal. She was also wonderful and very helpful. However, customers should not have to do all these to get a loan. Mark's incompetence had caused a lot of stress to my family, lawyer, realtor and other Chase employees.

After the appraisal was done, we still had problems with Mark and we had to go above his head and talk to the Chase underwriter Kristina ** yet again because Mark didn't know if he would have time to get the necessary paperwork. We then had a third bad experience with Mark. We needed the clear to close letter. We left Mark numerous messages and emails and he did not respond. He finally called my realtor and said there was an issue with the appraised value.

My husband, Adam **, realtor and myself called Mark on a four-way call and the realtor caught Mark in a lie. We explained to Mark we have to keep going over his head because he will not do his job. He said, "Oh I'm working on it". He knew all the deadlines and still everyone else had to get the information needed to close. I am very happy with the help we received from David **, Kristina **, Ron ** and Debbie. As a Chase business and personal customer, our experience with Mark was so horrible and his lack of customer service had made us think twice about changing banks. He is a very bad reflection on Chase and I hope other customers don't have to deal with his "I don't think I have time attitude" or "Oh yeah, I forgot!". Again, we had to get several people involved to do HIS job. Please send this to whoever will best handle it as I would hate to see another customer have similar issues. I can also talk to you if needed.

Update 8-3-11: I was supposed to close on 7-29-11 and we were able to move in but had to pay rent for $35.00 a day till today (Wednesday) for Chase is not doing the loan. It's 10:43am and my closing is at 12:00 today and no one can tell us how much money we need to close! The lawyers for us and the seller have tried to get it from the bank but no one had answers! One hour till I close and we have no information. This is the 6th mistake Chase has made on the loan and I am unbelievably disgusted with Chase. I hope the bank doesn't treat all their loan customers this way. We have a senior district manager (Ron **) involved and he cannot get any information to us either. What is Chase going to do about these constant problems? Please send this to the appropriate dept. ** Jan **. Loan number **.

I received a text message from Chase stating I had overdrawn money, when I knew for a fact I have not touched my card for about a week.

This also happened about two weeks ago. However, this time, I was on the phone with Chase for over two hours, was hung up on two different times and was treated very poorly. Nobody was able to explain the reasoning for this overdrawn charge. I spoke with at least five different people and everyone gave me a different story, stating it was from June, July, even stating it was from May when it is now August. Nobody could give me a straight answer. Finally, they accused me of using my card when I was really at work.

I have never been treated so poorly, and felt as if they weren't willing to hear my side of the story. Nobody would listen and everyone just kept stating it needed to be paid. Again, a charge from May when it is now August. I find that very hard to believe. But again, nobody seemed to know what they were talking about as I did speak to about five different people. I am very upset with Chase and their staff.

Chase told me last year I could open a business account with NO service fee since I had a personal checking and savings account and I opened it with $100. Now it's 07/30/2011, that account is overdrawn $12. They've been charging that business account $12/month service fee and now there's no money, but a debt there. What happened to "no fee"? They said no fee for either the business OR personal account, not both.

I have been doing modifications with Chase for 2-3 years. I have done at least five modifications and they keep giving me terrible offers. I have been so sick the past year that I can't go out of the house. I will be well and ready to work in a month. My unemployment just ended, and they will not wait a month so I can go back to work. They have been waiting almost three years and a month before I can work. They say I have to short sale because I have no income. It seems a waste to wait all this time and a month before I'm well and can work, and they give up.

After doing business with Chase for 26 yrs we got involved in a trial modification for 3 months that turned into 8 months and it increased our mortgage payment by 230.00. We were lied to. Chase had us believing we were going to be helped and instead our payment was increased. Our credit was destroyed showing 120days past due on our mortgage . We did not receive any answers from Chase in any kind of timely fashion. We are still oblivious to our current state of affairs with Chase Bank.

I had a loan with someone back in 2007. We split and the business was transferred over to her 100%. We transferred loans over into her name. I logged in to my checking account yesterday and noticed that $2,400 was just RIPPED out of my account.

They claimed they don't have any of the transfer paperwork so not only am I on the hook for the TOTAL amount of the loan (given that my ex defaulted on it about six months ago) and that it will most likely hit my credit in about three-six months. So I went to as many people as I could and only one person actually tried anything. Now I am fighting it at the executive level and hopefully I can get this reversed. The funny part is my ex has stood up to the task and told them that she was the responsible party but they just don't care.

Thanks Chase. You really stink!

We were offered a loan modification as we were struggling to make the payment after my husband had a major stroke and could not work any longer. The smooth-talking fellow said we "qualified" and that our new trial modification payment would be $241.43, down from $940. I asked what the catch was and was told there were none, and given a confirmation number of 10705849. I was elated, but not for long!

The harassment calls started almost immediately. We faithfully paid the new payment, and filed four times for a modification. At no time could I call "customer service" and find anyone who knew what was going on, and was transferred dozens of times to someone else, even Kiddee Care! Finally, my husband developed stage 4 cancer, and only then were we notified in January of 2011 that we were approved.

The payments were raised to $996 and $20,000 added to our mortgage. We have made every payment on time since February. Now here we are in July of 2011, and we are now told that our modification was denied, that the final documents were sent to us but not returned within the 30 day time frame. Now we are also told that we are 360 days past due, and owe thousands in late fees!

We did not get the final documents, only six more letters of acceleration and offers to do a modification. We now must apply again or face foreclosure. There is no way to sell our property and since we still have some equity left in spite of the lower property values, I am not going to let Chase take the ranch. The person who told us we were approved was Tiffany, 866 222 5920 ext. 3228667, who will not answer the phone when I call.

Isn't there anyone in the legal profession who will stop these scams from banks? I am looking strongly at bankruptcy at this point, but why does it have to come to this? Our credit is ruined already, no one will loan to us, so what is there to lose? I am physically ill trying to deal with this.

I opened an account with the Muskegon branch location and I was given an access checking account, where you can only use a debit card but it had the bank account and routing number, because I had bad deal with another bank. They advertised that if you open an account, you will get $125 within six weeks, but that it does not apply to the access checking account. I told them that it had all the stipulations as the other accounts and they still argued with me. I then asked for a cashier's check to take the cash advance to get some money and they told me that my account was not for check writing and that I could not have any checks. I then closed my account and went to another bank in which I was qualified for a similar offer.

There are several banks that are offering that amount of money to open an account but that one does not care about no one. The reason my account was an access was because I deposited a check that was no good, but nothing came of it. No funds were released and they would not allow me to keep my account and it went into delinquent payments of $28. The check was not mine but that I was doing someone a favor and did not know it was not good. That shouldn't have caused my account to close. Nor should I have been charged a fee for my account and penalized with closing it.

It caused a lot frustration trying to keep a bank for my funds and a lot of other legal disputes and lawsuit with other banks.

I had a Chase checking account that I used only for emergencies, or to quickly pay a credit card online if automatic payment failed. I kept more than the minimum balance to avoid all fees-- for years. Then in February, they changed the minimum balance, and buried that information in some kind of letter (pages long and of small print like what I get from credit cards all the time). They did not send a clear letter saying simply that, " we will charge you $12 per month now", or send any statement that they had started taking the money. There was no email or written statement that my balance was changing. So, I did not notice the withdrawals they were making for six months. They did not refund all the fees after I noticed them.

i opened an account with chase besides taking longer than expected to clear 3 days later they shut down acct with no explaination when i inquired about this action i was informed that within 14 business days a check would be mailed to me i am in another state and need access to my funds

My boyfriend got cash at Chase Bank office deposited into my account. I was running short since I had to use up a lot paying bills and medications for my child. He deposited the cash at the office; it would go through faster; rather than at the ATM. Also, the teller said that you can use the first 100 right away with cash; the rest will take time. The deposit was put in the bank in the morning, before noon. My child, finally with all his medications, went to sleep. I knew he would be up in a few hours for more medications. I asked my next-door neighbor to watch my child for 45 minutes, so I can get more medications and some food. Before I left the house, I checked online that the money was ready to use, not waiting-to-be. I was surprised that the whole amount was ready to use. I went to the store and got the meds and stuff -- total was under 100. I had only brought my Chase card and ID. I went through the line and the cashier said, "Your card has been declined." I ran it again -- declined; and the manager ran it -- declined.

The manager said, "Are you sure you have money in your account?" I have never been so humiliated in my life; at the same time, how am I going to get the medicines for my son?; he will need it soon. There wasn't enough time to go home and come back before the store closed. Outside the store, I called the number on the back of the Chase card. The Chase guy said, "That should have not happened. You have money in your account, please hold." He came back on the phone and said that they are running "maintenance". Maintenance is being run on our systems, huh? That means that all Chase cards will be declined (meaning the computer system is down or they are updating, until its done; all cards are declined) even if you have money in your account. I don't remember reading anything about this, or being told.

The chase guy says, "It's just policy." I asked so you don't have to tell us, "It's just policy". At this point, I am begging the guy because my sick child will be up and needing his medication. My other line rings and it my house; that means my child is up and crying in pain. I am yelling at the Chase guy to do something, so I can get the medications to my child; so I can stop the pain. The Chase guy gives me to his boss, or head guy at Chase. The head Chase guy comes and tells me the same thing as the guy before (at this point, I am yelling); and I'm telling him that I have a sick child who needs his medications. My child is crying because he is in so much pain (That is why I'm writing this in here), and that I really need the medications.

The head Chase guy said, "You have money in your account, but you will not be able to use it until 1:30am. That is 'just policy'." ** I am crying, begging this guy, but I keep hearing "just policy". I, finally, said, "Are you going to pay for my child to go back to the ER because it's 'just policy'?" I finally just hanged up. Beware of Chase. Even if you have money in your savings or checking account, you may not be able to use it (or be declined), because they are doing maintenance at 11PM. Why bother keeping money in the bank, when they control when you can use your money and not you?

I am a freelance editor and I am a former Wamu customer whose account was absorbed by Chase bank. I had very few problems with Wamu but my year with Chase has been difficult. In May 2011 I was paid for a freelance job and put in a deposit of $800. I wrote a few checks and paid some bills, and found out a few days later that my paycheck from my client had bounced. I was unable to get a new paycheck in right away (they don't grow on trees!) and my next "big enough to cover it" paycheck wasn't due until June 15. I called the bank, and told them I would make another deposit by June 15. The amount I was overdrawn was about $470.

The bank account is my own, it is NOT a joint bank account, but I did put my mother down as a "Trustee" in case anything happens to me, so she can access the account. My mother is in her mid-80s and has an illness exacerbated by stress.

Even though I told Chase bank on the phone the date I would get the money back in the account, I received numerous, at least a dozen more, harrassing phone calls, asking me to put the money in the bank NOW. Each time I explained that I would be happy to do so, on June 15. Then they started calling my MOTHER. One guy named Eric harrassed her so much that she had heart palpitations when I came home after she had talked to him. She was visibly upset, almost crying, saying, "we have to put $500 in our bank account right now! I'm going to lose all of my credit!" It was ridiculous that these people called my MOTHER, a TRUSTEE on the account, to try to collect. Highly illegal too, I might add.

My sister had a power of attorney on my mother, and opened up a bank account at Chase where her social security checks were being directly deposited. My sister and her husband were misusing my mother's assets, so I had to take them to court. When I was appointed temporary guardian over my mother, they froze my mother's account because it had social security funds; and I was not authorized. They told me that I would need a court order to access that account. I got a court order. They told me that the court order was no good; I needed to file with social security to be a representative payee.

I filed with social security and was appointed representative payee. They told me that I needed an 'award letter'. I went to social security and got what social security calls their 'award letter'. Chase said that it's not an award letter, and won't release the funds. I have been legally appointed her curitix by the court; I have been appointed her representative payee by social security -- and none of this is good enough. What will it take to get my mother's money? Or will they always refuse and I will never get it? Who can stop this?

I was a WAMU customer. I would up being a Chase customer when WAMU was absorbed. Although there was more than enough money in my linked savings account, Chase took a one-time opportunity to charge me repeated overdraft fees on a single overdraft while processing my savings-to-checking transfer to cover the then pending debits.

For a single "overdraft" I was charged repeated fees that totaled between $300-400. When I called Chase, the representative to whom I spoke first denied that I had been charged overdraft fees. After I continued to speak with him and he eventually was able to "see" some of the charges. I've since contacted the Better Business Bureau and Chase now denies having ever charged me overdraft fees -- ever.

I was in Las Vegas at the Bellagio gambling. I know you will probably find this hard to believe and think that I am making this story up (pretty much what Chase did). I asked the cocktail waitress for a "black and tan", which is a Guinness and Harp Ale mixed together making the black draught beer float to the top. She told me that they only bring out beer in the bottle, so I ordered a Newcastle. While I was sipping that, she then brought to me what looked like a black and tan. I drank that and never finished the Newcastle.

I am 280 lbs. and one black and tan has never made me lose $12,000. I lived in Las Vegas my whole life for 30 years and consider myself a smart gambler. I had a $3,000 daily transaction limit and $300 daily cash withdrawal limit. So how could I get $12,000? The answer to that was, when I went to the ATM machine in the Bellagio and got denied because I have exceeded my daily limit of $300, the machine then asked me if I would like to do a transaction without a PIN number for some ridiculous fee of $160 for $2,500.

I hit yes then a receipt printed out stating to go to the Cashier's Cage to get my cash. It was at the Cashier's Cage where they verified my identity and gave me my cash. Well, there were four charges and I only did two of them. I disputed the two duplicates when I got back home within a week and got awarded $6,000 back into my account and that was final chargeback resolution and not just a temporary provisional credit. I have the letters to prove it. I then thought about the fact that I was drugged by that drink because I would never do such a thing and Vegas was slow and they definitely live up to the stuff in the movies about how dirty the play was.

I then checked into my daily transaction limit and it was $3,000 so I wanted to find out why they would authorize $12,000 within a 24-hour time frame. I then disputed the other two charges for that reason, that the bank should not have authorized more than $3,000. They then said they had to reverse the first two chargebacks that were already awarded to me then submit all four together. They then did that and days later, all were denied including the two chargeback duplicates that were accurate and that had already been awarded to me. I spoke nearly 15 hours that week with their fraud department, which was very frustrating because half the time, incorrect notes were being put in by the Asian over-the-phone support. They really screwed up my account due to their lack of fluent English-speaking skills.

A week later, I finally spoke with an upper management and he clearly fixed the two original error charges that I had charged-back and won. Two days later, they were reversed again.

I needed help here. Almost a year has passed and clearly, many rules and regulations were broken here. Another very important fact is that the charges on my statement showed Bellagio charges as regular transactions, as if I was just shopping at a gift shop there or something. It had nothing in relation that it was an ATM cash withdrawal for gambling with a 500% charge and fee for utilizing it. So, why is that fee so high? The answer to that was, many do not realize that and don't chargeback anything. But there are those who do win their chargeback disputes and that's why the Bellagio uses a third party called Global who will guarantee the Bellagio their customers funds.

I am telling you that this needs a team of highly competent professional individuals who are willing to put in hard investigative work to help me and help prevent this from happening again to anyone else. I would really appreciate any help you can provide. The account since then has been closed by Chase for being negative $6,000 and sent to collections. Just one last thing I forgot to mention, sorry for being all over the place in the piece of writing, please excuse any typos. That last thing was that I had unauthorized charge privileges and alerts set up and that was one of the reasons I even chose to go with Chase--for their high-end security alert features, the ones they would have in all their commercials a few years ago that alerted the cardholder when suspicious activity took place on their card.

Wouldn't $12,000 in four transactions within eight hours from Las Vegas, an out-of-state transaction given that I live in Scottsdale, AZ, constitute a call, text, or even an email alert (which I had set up when I opened my account and set up its online access)? When I mentioned to Chase that I didn't even receive one alert, they just remained silent on the phone as if I didn't even say anything.

I was a victim of fraud. I had fake collections agency contact me and get me to make payments to them thinking I was clearing a debt that I incurred in 2010. After almost getting scammed in early June, I decided to go back into my bank statements and make sure all the collections agents were indeed legit.

Turns out three of them were the same company using different names. I called Chase and filed claims with their customer claims department. I was very pleased when I got back all my money and NFS fees were reversed.

Chase froze my account for $10,000,000. They put that against my balance after a poor conversation I had with deposit review. The conversation was to discuss the fact and all of a sudden my pay check was being held out of the blue for some odd reason. They said that the account will have the $10,000,000 hold against my account until the check was verified. That is absolutely insane and extremely cutthroat. Chase Bank is worst!

While logging into my online Chase bank account, I discovered that they had taken all of my savings ($4,330.00) from my savings account. After many calls, I finally spoke to a very rude woman, Edina Franklin, who told me they took the money to pay for a 2009 student loan I cosigned for my son which he defaulted on. She demanded more money, $2800, and if I didn't agree to pay it before I hung up the phone, she would attach my pay for $3700. I tried to explain that Chase had taken all my money, and she kept giving me ideas for where I could come up with the money (credit cards, borrow from someone, cash in my 401K, which I do not have, etc.).

I said I couldn't do that, and she said if I didn't give her $2800 immediately, she was documenting it as an "outright refusal" to pay. She said nine letters had been mailed to my address (to my son) and I should have opened his mail or called the bank periodically to see if the loan was being paid. My son does not live with me, but every few months comes and picks up his mail. The bank never sent me a letter, and when I mentioned this, Edina became enraged and started screaming at me, "It doesn't matter! You cosigned for the loan!" like that gave me powers to know what was in other people's mail. She said that the agreement I signed said they could take my money right out of my account without notifying me, then she says, "So, since you are refusing to pay, I will say thank you for your payment that you have applied toward this debt", and she was so smug that I have lost everything, without even been given the chance to make payments on my son's behalf. He pays other bills, so I don't know what happened to this one.

After sending my complaint yesterday, about the closure of my account, I went online this morning to look at my account, it showed an available balance but it does not show my payroll ACH deposit. I called the 877-691-8086 number and spoke to two different people, who put me on hold for several moments saying they needed to review the notes, then came back telling me there is a one-day hold on my ACH deposit due to the restrictions on the account.

How can they hold money that belongs to me, that they have received through a wire transfer, even after all the items they were saying that were pending have been cleared? What money I have may not be much but it feeds my two teens since I am a single widowed mother working full-time, to just try to pay my bills. $400 a week may not be much to some people but it keeps the lights on in my house and food in my children's mouth. This is so unethical. They say they cannot release my funds to me and don't even show the ACH deposit that was on the account yesterday. I did print this morning's statement and wished I would have thought to print yesterdays. How in the world can they hold my money, when all transactions they were questioning have been cleared?

I went to chase to help my daughter open a teen account; they told me I had to open my own account with them in order for my daughter to open one. With the accounts being opened for only two weeks, I made some deposits on each of the accounts through the ATM. The checks I deposited did not clear and my account was overdrawn, but not for the amount of the deposits. So when I realized that both accounts were overdrawn, I deposited $350.00 cash into my account and $150.00 cash into my daughters account to fix the accounts. That evening, I made another check deposit through the ATM and my payroll check was ACH deposited that same evening. I also spoke to Angie at the Teays Valley location that opened my accounts for me and told her about the mistakes and mess. She refunded one of the overdraft fees for me.

The next day, I received a text on my phone of the balance in my account around 12pm saying that my account was overdrawn by $9,999,943.53! My daughter received the same text about her account! I called the bank and they said it was because of the bounced checks and they were closing my accounts and freezing my funds!

I could not get them to reopen the account and would not give me access to my money! I explained to them that I am a single widowed mother living paycheck to paycheck and cannot go without my money. They were saying they would not release the money and finally Ilene at my branch said she would give me $100.00 of my own money. All this is after 4 calls to her and to the deposit analyst department at 877-691-8086 who constantly shuffled me around from person Matt to Eric and another woman whose name I can't recall.

I understand they can hold the check I deposited through the ATM until it clears but not my payroll auto deposit! Is this even legal? I didn't realize they had the authority to hold all of my money from me!

I received a letter from chase bank stating that they would close my 4 accounts within 2 weeks. I called chase at night. After waiting on line for ~10-15 minutes I got a customer representative who told me that she was calling a specialist to answer my question.

She put me back on the queue. After waiting for another 10-15 minutes on line, I got a rude person that her answer was we are closing your accounts according to chase policy. Which policy !!! I asked. She wouldn't answer. I told her that I would accept it if she said I didn't know. I asked for supervisor and waited on the line again, but voila, no supervisor was available. She promised that somebody would call me on my cell phone.

Of course, no one did. I went to another branch next day near my work. I asked her to close my accounts and I asked her why chase wanted to close my personal accounts. She said she didn't know. I closed my personal and business accounts and unfortunately for chase which lost not only a customer but a lot of money too ( I closed business accounts as well). No questions, I felt infuriated for not having any reason to close my personal accounts while they send me coupons for $50 or $100 to open new accounts previously.

Bye bye Chase. Bad banking

JP Morgan Chase Bank levied my business account. A child support group from Stark county Ohio gave Chase an SS number for a person and that SS number was the same as my EIN number, thus freezing / levying my business account.

Chase failed to check the information EIN / SS number and the name on the account for a match. They gave out my account number for the world to see. They refuse to act on many request such as giving me a copy of the Subpoena! Nor even speak with me about the problem.

I had just quit my job on May 18, because I'm moving in July. I needed time to get everything together. At the time, I had about $800. I had things to buy for my move, so I spent, I believe, less than $400, leaving me with $450-ish in my bank account. On May 31, I got an e-mail saying my account has been overdrawn. I looked up on my online statements, and two transactions were made on that day: in Virginia ($5) and one over the internet, LOWE'S of NC ($604.99). At that point, my account was overdrawn with $219.80.

Upset because I know for sure I didn't make any of the transactions, I called customer service and talked to Virginia who said, "We can't do anything, because it's still pending." Fine, whatever. She wants me to call back after the transaction has gone through. My blood is boiling at this moment. Then an hour later, I got a text message from Chase FRAUD: "Did you purchase $520.95 at a restaurant on 05-31-2011? If yes, reply 1; if no, reply 2." Immediately I started freaking out and I pressed 1.

My house phone started ringing. It's Chase Fraud; they gave me a phone number to call and a referral number. I called and gave the number. The person who was using my card number tried to make three purchases other than the three already made--all totaling more than $460 each. I'm put on the phone with a rep who never gave me her name and was told that my card was going to be closed and that they were going to issue me a new one, because someone had my debit card number. Ok, fine.

She then proceeded to tell me that in 24 hours, they would send me papers through e-mail that I had to fill out and send back to be reimbursed my money and I wouldn't be charged any overdraft fees. Then it is going on 72 hours. I have no papers, and I've been charged two overdraft fees of $34 each. So my account is at -$287.

I have no money, and I will be moving in less than a month. I also needed the money to take my driving lessons and get my driver's license plus get my cat spayed before moving. I have no idea if I will be able to do any of that. Thank you, Chase. I will be calling again tomorrow morning and demanding they send my papers, because as of now, I'm broke and unemployed. (sigh!)

I called the bank on Friday, May 27, 2011 to find out what I would have to do to stop my checking account from closing. I was told to pay the balance of $268.67 and the account would not close out. Due to the holiday, I deposited $800.00 on Tuesday morning. The balance left after the deficit was $531.33. I called the next morning to check my balance and the account was closed and my balance was zero.

I talked to telephone banking, the recovery department, collections and then I went in and was told by the bank president in Lake Station that they would reopen the account; however, five minutes later I was told they could not and they would mail me a check for the five hundred dollars less a thirty-five fee for a charge off fee along with closing the account. Economically, I had no money left for food, bills, gas, etc.; they took all of my remaining money. Physically, I suffered stress and trauma, which resulted in a rash and high blood pressure. I was mislead in believing that my account would remain open after paying the balance due.

There are all these notifications that they offer to help manage your accounts. I have mine set to sending me a text message when my account goes below $50. And also I get an email if my account is overdrawn. Well, I logged into my Chase app on my phone and it shows I overdrafted $219. I double checked my notifications to make sure they were on and they were. But I never ever received a text or an email! I called Chase and was transferred to their notification department. I verified all my info was correct, in which it was. The lady was very rude and told me they had been sending notifications to my phone! I had 6 overdraft charges totaling $204, which means less than $20 were actual charges!

I finally asked for a supervisor. But of course, I got a senior support rep who told me the same thing. The rep said they can only refund me one of the overdraft charges as a courtesy. I stressed to him that maybe there might be an issue with their system that it didn't go through successfully. Is there a slight chance you can look into it since a lot of these systems can have glitches? The last email I read/received from Chase was telling me my deposit statement was avail and that was on 5/18. I never received anything afterwards! Now I feel so screwed by them because it's my word against theirs! After speaking to this person, I asked to be directed to voicemail of manager. But I doubt that will go anywhere. And maybe I'm fighting a losing battle but I am one to admit when I'm wrong. I should have balanced better and should not have trusted Chase notification options!

We received an unsolicited offer to modify our rental property from Chase. All we had to do was sign a modification agreement and send it back. We did so, never having to even speak with anyone, and our loan was modified from an ARM to a fixed rate. Because we were out of work, we decided to apply for a loan modification on our present home. We have a 15 year fixed and wanted to try and lower our payments by modifying to a 30 year fixed. We were not behind on our payments (actually have never been late) but wanted to stop draining our IRA accounts to make our payment. We sent in the application along with the documents needed that were detailed on their web site.

We eventually recorded a call and they were requesting more documentation, some of which was in the original package which I had to point out to our "relationship manager". He "found" was he was looking for and was going to submit to underwriting. Next call I get, they need more information. They asked me for a rental agreement which I sent the last time, explained they had the 2nd time and was now explaining they had for the 3rd time. They had asked me for my husband's very last social security award letter and I told them I had current one but not sure if I had the first one because my husband had been getting social security for at least 10 years.

I found it though and sent it in. I also just stated a job and informed them and he asked for a pay stub. I told him my first check would only cover 2 days worth of work (employed thru temp agency) and that it would be 2 weeks before I get another check. He said that the one for 2 days would be fine so I sent that as well. Then he wanted proof of the rental income received. I pointed out for the 3rd time that it is automatically deposited into our checking account which happens to be with Chase and that in the first package I sent to him with my bank statements, I circled the rental deposits and wrote on the statement itself that this was deposit of rent (the amount which did in fact match the rental agreement which he could never seem to find)

A few weeks go by and I get another call asking for more information and now they want more recent check stubs from me and now they want my husband's current social security letter, banks statements to prove receipt of social security and rental and current tax returns. Now, when we last sent our tax returns they were for 2009 because we hadn't filed our 2010 yet because this was before 4/15/2011. I sent the 2010 returns along with more check stubs.

Another couple of weeks go by and there is a message left on my home phone to call right away; I had requested they did not call my home phone because I am at work but that request was ignored. I tried calling back that time I left 6 messages over a period of 2 days. On the 3rd day I tried again, but his mailbox was full. I would say that almost every time I tried to call his mailbox was full. I called every hour on the hour and he finally answered the phone. The then asks me for the 4th time about my rental and if I have a rental agreement and tells me he needs my tax returns.

After coming totally unglued that he is asking me about the rental for the 4th time now and telling him he has my tax returns, he finds them. I asked him if he ever kept notes of any of our previous conversations because it's the same thing every time I speak with him. He says now I have to fill out a new application because now this one is expired because they don't have all my documentation. Is this guy for real? His listening skills are nil and he obviously doesn't know what he is looking at. I ask to speak to a manager but he said he doesn't have one! Give me a break.

I tell him that he has everything they have asked for and that they recorded it in time. I have my fax and mail receipts. I tell him just to get me answer because I am not sending all this stuff again. He asked me to give him until 2pm the following day and he would get me an answer. Of course, I do not get the call and 3 days later I get a letter in the mail saying my request was denied because I didn't provide the documentation requested. They also had taken it upon themselves to pay my property taxes and homeowners insurance without telling me.

I found out when the country returned my check stating that Chase had already paid my taxes and when I got my insurance bill that showed paid as well. When I questioned this I was told that is what they do when someone applies for a modification and if the mod gets approved, then that is taken care of but if it is denied, then we have to pay them that money.

I was on ChexSystems because of a disputed account I had with WAMU. I went to Chase bank to cash a check for $400.00 written to me by my mother off her account. I was told I had to speak with a banker before they would cash my check. I explained to the banker at Chase bank that I was unable to obtain a checking account because of the disputed account with WAMU and that I was on ChexSystems. He assured me he could open an account for me as long as I followed certain rules. I asked him, can anyone or any business take the money from my account? He assured me that no one would be able to. I asked him if WAMU could take the money out of my account, he said no they could not.

So I opened an account, deposited my paycheck and two days later, I was sent a text message that I had a balance of $0.00. When I called Chase bank to inquire about what was going, I was transferred to a collection department and told that because of my outstanding balance with WAMU, they went into my account and took every dime. I asked for a copy of what they took and for a receipt, to which the person on the phone responded "we don't have to give you a copy of anything". I asked how I was supposed to prove this debt was paid off and prove who actually took the money from my account? She said she was not going to provide anything and I signed a form with the banker that gave them permission to take money out. I did sign a paper and foolish me, when I asked the banker to explain what exactly it meant, he brushed it aside and said it was something to the effect of the IRS or a court order to obtain information.

I went into the bank and spoke with a lady named Britney who called the collection agency and I paid the remainder of the owed balance of $220.00. Also, I was told I would have a copy of letter that it was paid in full within 7 days. I was also told that as long as debt was paid, my account would be fine, no problems. Foolish me again, I deposited more money into the account and again, I was sent a message that my account was $9,999,999.00 overdrawn. So I called, spoke to same lady Britney and she called someone else to find out what was going on. Britney said Chase informed her that I should have never even been allowed to open an account with them in the first place and my account was closed and money was froze for 10. After which, I would get a check for the remaining balance.

Am I mad? Yes, but I am more disappointed. I am trying to get my debt paid off, had a few hard years but moving forward and I feel like I was just lied to and I didn't have a account with Chase. It was WAMU and I was in the middle of working out a payment with them. I was wondering if others have had this experience with Chase. Is it legal to lie and mislead a customer? I am not crying about having the money for debt taken, I was fine with it. Another problem resolved is how I looked at it. But I am wondering if it was okay to tell me that I was signing a document that was for the IRS and then I found out it was a document that really allowed Chase to take money out of my account. I still do not have any proof that the money was taken and it has been over 7 days.

It is regarding a current short sale. I am Steven with Century 21 Horizon in San Diego, CA. I am the listing agent for loan # **. And I do have authorization to receive and convey information which already exists in your file. I received approval of the 1st lien holder from Chase on March 31st, within less than 30 days from the date the offer was written, which was March 3rd, 2011. Today is the 18th of May 2011. It will be 60 days from the date of the 1st lien holder approval. And it's almost 60 days since I have not received any word from the 2nd lien holder, which is taking much longer than a reasonable amount of time. I have ready, willing, and able buyers that are about to walk away if we do not hear something soon.

They have been patiently waiting a very long time. Yet to date, we have heard nothing back from the 2nd lien holder, which is located to what I am told from Chase bank in Texas. I hope this message is addressed promptly because I have already sent a complaint to the federal government regarding banks and short sale processes. I don't even know if this complaint will go anywhere. I truly hope someone can help me out, because today I have a new negotiator. And the seller is very stressed out because of this lengthy process. The buyers who are credit worthy buyers are getting ready to walk. Please help.

I received an email saying that it was from Chase Bank asking me to give them my access code to correct a mistake. I don't have an account with the bank. Is this a bank error or a scam?

I went in to start an account and was arrested for a fraud check, which I did not know at the time. I believe and still believe the way I looked had on something tacky and that I am a black man caused my arrest.

My mother died in September of 2009. She had a trust account with Chase Bank in the amount of $500 at that time. Since then, they have refused to release those funds to the 2 trustees of her estate, asking for all of the original trust documents. A copy is all we have. They are therefore requesting that we spend over $200 to get a certified copy of the trust from her attorney. We brought in the trustee's appointment letter, the copy of the trust, her original death certificate and everything we have.

Not only will they not release the money, they treated us as if we are thieves and scammers. We are my mother's 2 children. We are actually co-trustees on the estate and have filed taxes. Now, they are charging us $20 per month service fee while this account is in dispute. Their staff are complete idiots, like robots who cannot make a decision and we are probably going to sue them. We have spent hours and days at the bank, showing our documentation, arguing and et cetera. They would call their legal department and would tell us too bad. Every other account in the estate is closed and settled but they refuse to release this money without the entire original trust document which is not required by the law and are now forcing us to spend $200 to get an archived certified copy before they will even consider releasing the funds. Stay away from Chase Bank especially when it comes to trust accounts.

The trust was executed in 1987 and my parents did not possess an original. We cannot find it. Even so, we have an original trust modification dated April 2006 and they will not honor that stating that the co-trustees are administrators/inheritors of the estate accounts. That is not good enough for them. Horrible company, the staff is a bunch of underpaid fools and morons. Yes, we are angry.

My complaint is not with this branch location but with Chase and its policy of closing an account for fraud without looking into it in more depth. The police officer we reported the incident to said with the help of Chase bank, surveillance cameras and with other avenues of investigation they could perhaps find out who committed the fraud. But Chase closed the case and just decided to charge us for the loss even though we were the victims not the thieves. I did go to that branch to try and resolve the matter where fraud was applied to my daughter's debit card.

Someone stole her debit card and pin number from her wallet. Someone fraudulently deposited a check into her account signing her name and then drawing money from this debit card using her pin number. The Chase bank recognized it as being fraud (definitely not her signature) and did not charge for the check but did however hold her to the debit card withdrawals totaling $700.

Recognizing that this was fraud activity I feel they should take this loss and take it off the credit bureau and check cashing service. This account was used to pay her student loan and Chase said they could see that this was the majority of activity on this account. And that this incident appears to be an unusual activity.

As they stated, there policy is that if the pin is compromised they won't help even if you were not the person committing fraud. My daughter is young and just did not separate the two. What this does is destroy a good credit report for my daughter and her checking account record. She is a good student and is working hard to create a good record in school and in life as well.

Also as a single parent trying to get her through college and paying all expenses, rent, utilities, etc this creates a great amount of financial hardship for me as the sole provider and to pay an amount as this, or any amount that we did not make or are responsible for. I do not have the funds to pay back without causing financial difficulty. This is devastating to my daughter and to me and I would think that a company such as Chase would want to make a better relationship with its clientele. Please help us.

I was with Washington Mutual Bank and they offered us a so-called Loss Mitigation Loan--after one year - $3,883.43, next year - $4,525.66 and the next year - $5,197.07. This was to help us with the loan that we could not pay at $3,000.00 a month! At that time, Washington Mutual charged you $5,000.00 to get the Loss Mitigation Loan. How is this helping our situation? Go figure! So, Chase bought Washington Mutual Home loans and we asked Chase to redo the loan since we still could not afford it. To make this story short, we have been submitting papers for over two years now. Our loan is now aged in the system and Chase has not looked at the loan since 6/2010. Out of all four modification programs, we did not qualify for any of them.

I have been helping people prepare their modification forms and I am still helping some for over a year now. When they talk about the qualification, it's just all a lie. Out of 2.5 million in default, only 200,000 were qualified. Chase has over 220,000 foreclosures and they still have not helped many people at all. But the CEO of Chase got a bonus of $20.9 million and gave himself a raise of $1.9 million every year! Wow! They let go some U.S.A. workers and outsourced those jobs to the Philippines. Now, I call that a bank that is helping people!

I'm a longtime customer with Chase bank. I'm 50 years of age and they are the only bank that I have ever used. My entire family banks with Chase.

I've been noticing over the last several months that Chase is taking longer and longer to clear deposits and Quick Payments are considerably longer than the stated timeframe. On Saturday, April 16th 2011, a Quick Payment was sent to my account from a family member to cover two online purchases and I accepted it for processing immediately. The two purchase debits were applied to my account on Monday, the 18th, and were in pending status when the Quick Payment was cleared for deposit into my account that same afternoon. Chase however, did not deposit the cleared payment into my account after it cleared.

I waited an hour or so before sending an inquiry to find out why the deposit wasn't being applied to my account, and I did not receive a response from customer service. I discovered this morning that Chase decided to drive the two debits into overdraft before crediting my account with the deposit, and I was charged two overdraft fees totalling to $64.00 even though the debits and deposit were both cleared on the same day. I have demanded that these fees be removed immediately and will close my longtime account with them if they do not give this matter their prompt attention. This is an outrageous way for Chase to be treating their customers and they don't stop dealing with their clients in such a shady, disrespectful manner, manipulating the timing on deposits to generate service fees; they're going to lose a lot of business and they deserve to. Mine is going to go to another bank within 48 hours if they don't correct this, and I'm going to urge my family to move their accounts as well.

Chase has a lot of competition from other banks and credit unions that would be more than happy to handle my family's' accounts in a respectful and timely manner.

Me and my wife both have Chase accounts. We use online banking all the time. For a while, we have complained that we are receiving no updates or notifications regarding payments and balances. On 4/2011 we received 7 insufficient balance fees. We called customer service, and requested to have the fees removed since the balance is now -$250.00.

We now do not have any money in the bank. We got a $250.00 loan to pay off the penalty fees. 1 day after making the balance even again they assessed 2 more insufficient balance fees. We looked at our emails or text messages for any notifications, and we did not receive any.

The concern is that Chase Banks love to charge fees for which we have no knowledge of. I feel that they are applying these fees, to benefit from the consumers technical issues, and has no reasoning with the consumers.

I wrote this so that people are aware that the they are charging customers a $35.00 fee for $1.00 insufficient balance. The damage is that, these penalties put us in a negative position with our bank accounts. Me ,my wife, and 1 year old daughter now have to survive with no money for 2 weeks because they felt that 9 penalty fees are necessary, rather than 1 fee.

I am writing to file a complaint against Chase Bank with regards to the following: 1. Improper and unprofessional services that Chase bank provided. 2. Received a harassment phone call from a teller Angela **** and an assistant Manager Mallorie **** from Chase Bank Branch in San Marcos. 3. Wrongfully accused my father regarding the overpayment of $100. 4. Violating our civil rights on accessing my father's checking account.

My father carried fifty 20 dollar bills, which total $1000, to Chase bank in San Marcos California for exchanging ten 100 dollar bills for me on April 2, 2011 around 11:00 a.m. Around 2:00 p.m., we received a phone call from a teller called Angela *** who assisted my father at the bank. Ms *** states that she overpaid my father $100 earlier and would like my father to pay it back.

I asked Ms *** how did it happen and she told me that my father wanted to exchange the bills and she overpaid my father during the transaction. I spoke with my father in regard to the situation. My father states that Ms *** counted the money twice before she handed the total of $1000 back to him, which is the correct amount.

I explained the situation back to Ms. ***. I informed her that my father did not speak fluent English and I would like to represent my father to speak with the manager. After 10 minutes of waiting, no one responded.

Later that day, the bank manager, Mallorie *** called me back. She told me three different versions of the story. Version 1, Ms *** states my father only gave $900 worth of 20 dollar bills and Ms. *** returned $1000 worth of 100 dollar bills to my father. Version 2, Ms *** states my father only gave $900 worth of 20 dollar bills and Ms. *** returned $1100 worth of 100 dollar bills to my father. Version 3, Ms *** states my father only gave $920 worth of 20 dollar bills and Ms. ***returned $1100 worth of 100 dollar bills to my father.

I advised Ms. *** to review the surveillance tape and I also requested to watch the clip to prove my father is innocence. The manager refused to let me watch the tape and also said that once they find out, they will deduct $100 from my father's account.

We were very upset after the phone conversation with Ms ***. We felt extremely insulted and humiliated as Ms *** lost $100 dollar and they accused my father of taking the money without any evidence.

5. This type of improper and ridiculous phone call is harassment. It is very unprofessional and we felt extremely insulted and humiliated by their accusations.

I have a Chase checking and savings account. I wrote my son a check, which he encashed at the Chase in Parkland. That branch charged him $14.00 to cash the check drawn on my account. Their line was, he didn't have an account with Chase'. Excuse me, I have the account. This seems unlawful to me, being I am a Chase customer (for now) and the check was written on my bank. I called the bank and was more frustrated after the conversation. I owed money to my son, and had to give him another $14.00, as the bank deducted the amount from the cash he received. What can we, as consumers, do?

Chase Bank is trying to charge me for an account that was closed. I never received a bill from them in reference to this account. I closed my last account with chase on November 2nd 2009. And at such time, I asked the attendant if there was any other account open because you cannot close an account with Chase unless you paid the balance in full. So, because there was nothing else in the system, all was good. To my surprise, I get a notice from a collection agency informing me that I owe $619. I have not received any notification from Chase in reference to the account at all.

This is affecting my credit report and they have failed to show me proof of owing this money. Every time I call on this matter, they have no answer for me and refer me back to the collection agency.

I just wanted to take the time to thank you for publishing my concerns on Chase Bank where charges are occurring to people's accounts. I have been thinking about this ever since the incident occurred and did close my savings account to keep from occurring more charges. But there is one thing that is still eating away at me. In the second posting you did, you were exactly correct in the wording that one deposit a month must be a minimum of $500 to keep from incurring a $12 a month fee to my checking account. There are a lot of people who are part-time employees that may get paid weekly or bi-weekly such as myself that don't net $500 per paycheck. So my question is this because we are the so called "little people" or "less fortunate" to make that much to deposit at one time, we should be penalized or have to pay the bank to use their services?

I haven't received any notices about Chase changing their banking fees and noticed that I had been charged $12.00 from my checking account. I kept in mind that I was with Wamu first where everything was free prior to Chase taking over. Last I heard, they were honoring everything that Wamu offered to their customers.

Anyway, so then I went to look at my savings account and $12.00 had been deducted from that as well. I kept my cool but was somewhat disgruntled at the idea of $24.00 coming out of my pocket and not knowing why. I went to the bank the next day and spoke with a gentleman named Jason. I had already made up my mind to close my savings account so that I wouldn't have two charges coming out for whatever reason. It seems that even though it's my money, upon making transfers online from checking to savings, I am only allowed so many per month, otherwise I get charged $12.00 a month and I must maintain $1500.00 in my savings account in order to not be charged as well.

When it comes to the checking account, in order to avoid the service fee of $12.00, there he informed me that I must have a $500.00 direct deposit go into my account. Mind you, not a total for the month of $500.00 but one check be that amount otherwise I get charged. I am utterly furious at the fact that it now appears that banks can charge consumers based on our salary and dictate how much we can make to do business with them.

I work part-time and although my checks go direct deposit and I put in more than $500.00 a month, because one check doesn't equal that, getting charged $12.00 is just wrong. I feel that if everyone knows what Chase is doing, they too would be upset. Don't let the banks find another way to take our hard-earned money because we can opt out of overdraft charges now that they can't collect on.

The consequence from this is that they lost a loyal customer due to their greed and I hope they lose many more. I do not see how they can dictate how much money you have to make to keep from getting charged by using their bank.

In settling a writ of garnishment with Chase Bank, I sent a check for $2800.00, which they acknowledged and received. I was dealing with a representative from the Legal Dept. named Norma who has been superficially civil since our correspondence began. Wachovia has seized the money in my accounts at that time and Chase owes me approx $800 - $900 USD in overpayment. I went to inquire about where we were in the refund process, and was told by Chase that Wachovia refused to release the funds to them and that it was Wachovia's problem.

I contacted Wachovia Legal and was informed that they can't release the money in question because Chase never sent a release to a John ** who handles these matters. I again contacted Chase Legal and was transferred to Norma who is still handling my account. She stated that she would pull my file for review but needed to take her lunch and would just get back to me. Through her tone and manner, she made it very clear that she did not think that my inquiry warranted any serious consideration . She bordered on being rude and was condescending by cutting me off before i could express my thoughts. I don't know, maybe she was late for lunch.

I was trying to inquire if something was holding up the return of my funds besides the fact that Norma apparently will not send a letter of release so her own company can get paid! If i am not mistaken, there is a step where they are waiting to take involving the court, etc. I wish she would have the courtesy to let me know. I have dealt with Bank of America and Citibank in trying to clear my debts, and both have been professional and helpful except the people at Chase Legal.

Chase Morgan bank announced it will start charging its former WAMU customers a checking account service fee of $15.00, starting on February 8, 2011. The Chase Free Extra Checking account will be converted to Chase Total Checking (or Chase Total Ripoff). To avoid the $10 monthly service fee, you have to meet one of the following criteria: 1. Have at least one direct deposit of $500, 2. or more each month keep a minimum balance of $1,500, 3. or more in your checking account keep an average balance of $5,000, 4. or more in combination of deposit accounts with Chase, 5. or investment accounts with Chase Investment Services Corp pay $25 or more in qualifying account fees (not including the monthly service fee). Yes, you'll have to work for your free checking now. I still like the convenience of being able to deposit checks with their iPhone app.

If you're unemployed, it can be challenging to meet any of these requirements, especially the one with direct deposit. Although California's unemployment office is moving in the direction of delivering unemployment via debit cards instead of checks sometime this year. What gives? Recently, the government started limiting certain banking fees, like overdraft charges. Now banks are looking for new ways to make money from us. To say that I'm livid is an understatement. I've had this checking account for quite awhile for 11 years before Chase Morgan bought out Washington Mutual in 2008. Before it was Chase, it was WAMU. Before WAMU, it was Cal-Fed. What can you expect in this economy?

Other major banks will soon follow this trend if they haven't already but some will grandfather in their older costumers and if you're a student you're entitled to free checking in most banks. Looks like I will have to take my money elsewhere, like a credit union or online bank. Time to explore other free checking options in the next post. Chase Morgan is trying to ripoff its customers to tell them to leave more money in or we'll take $10.00 out each month as a service fee. Personal accounts you need $1500.00 and you have to use that debit card 5 times a month also. Business you have to leave in $5000.00 but Chase Morgan says if you have $5000.00 in your business account they'll waive the personals free. Nothing is free as this is a huge change to its customers.

Chase Morgan reported profits last October 2010 $4.3 billion in one quarter, that's plenty. And they want all customers to pay for the makeover changes when they bought out Washington Mutual or WAMU, changing all the bank over with new furniture, signs, interior remodels on all the former WAMU banks, that cost over $600 million dollars which was wasteful to the customers for the merge makeover. As banking with WAMU for 11 years and now Chase Morgan making these changes, I am closing all my accounts with them. This is a total scam and the bank is corruption considering all these government bail out they got during the recession crisis this is awful to ask people to pay this huge fees and the CEO is sitting making his huge salary and on top of that the customer service gets worse and worse.

Talk about hiring foreign workers overseas, call the phone service, you'll get automated voice mail and then you get nothing but customer service from India, Mexico, Canada as Morgan Chase is outsourcing American jobs for greed and profits. How awful. I am ashamed as this bank and I am posting this because I am sad that the bank made this ripoff changes for the rich. Go elsewhere and find a bank that will not make stupid demands like this and find a bank they hires American workers instead. Chase Morgan charges $15.00 for business accounts! What a ripoff! I am closing this account today, I already closed my personal account last month. Chase Morgan formerly owned by Washington Mutual is ripping off customers with their scam fees. I was charged $15.00 service fee because I don't have $5000.00 in my business account and with personal they charge $10.00 a month if you don't have $1500.00 yet Chase Morgan continues to outsource jobs by hiring people in India, Canada, Mexico, Philippines because they want to profit and hurt Americans because of greed & capitalism.

I will post my complaint everywhere by cyborg posting my message about Morgan Chase bank as I was a customer for 11 years, total shack of shame on this bank. I went to other banks and there was no such fees. I am ** at this bank, ever since Morgan Chase bought out Washington Mutual I have been unhappy but now I am very unhappy and leaving this bank for good like many other people I know are closing their accounts too.

JP Morgan Chase has been ** us since 2008. They just told us today that they won't modify our mortgage loan (not in default) because we don't have an emergency according to fed guidelines--a total, outright lie. Our monthly gross is only $2,200/$2,600, while our mortgage, which is exactly half that lesser amount, means that we qualify for about $400 reduction using back end DTI, and around the same using front end DTI.

Last October, a TV investigative reporter in NE Ohio did a story about how we suddenly had a $400 jump in our escrow. After our own research, OH ripped us off on a sewer tax assessment, charging us thirty percent more over 20 years. So, when escrow catapulted to astronomical amount (which we never bargained for or were told about in any concrete way until it was too late and the city hired fancy lawyers to amortize what was supposed to be $12,300 over 20 years turned into $19K), it first looked like it was the county tax assessor's fault. Turns out, the city is getting kick-back over 20 years and they never disclosed these huge sewer tax assessment interest amounts in any original assessments, open public meetings or any other correspondences.

Plus, JP Morgan Chase (chase your tail) added on $222 monthly shortage spread for 12 months. Our mortgage jumped from $903 to $1,300 in one month, and we are expected to pay it for years to come. I'm unemployed, and awaiting final word on disability in the slowest state for SSI disability processing, Ohio. Today, JP Morgan Chase Your Tail turned down our loan modification request, pretending we've enough income. Again, I'm certain that they know they are lying because using either back or front end DTI, we more than qualify. They told us to refinance.

Whether using front end or back end, our monthly gross is only about twice our mortgage cost. JP Morgan is evil. If they could knowingly and wantonly rip-off those poor overseas American servicemen and servicewomen, they sure ain't gonna care about us! My consolation is sleeping at night. Somebody had better do something, and quick. The local TV news can't help us anymore; the community housing solutions agency can't help us. There just are no regulatory governing bodies forcing JP Morgan Chase to comply with federal mandates. I wonder why.

I am filing this complaint on behalf of my elderly parents, Augustus and Bridget **. Chase has been billing them for many years in excess of over $5,000 on their joint credit card # **. However, despite the fact my parents have been paying this credit card bill each month, they do not seem to recall what this bill is for. Therefore, on several occasions, we have requested transaction details from Chase to show what this debt is and if it truly belongs to my parents. But the company has refused to provide any details to my parents about this debt.

Therefore, could you please provide assistance in obtaining details from Chase to prove this debt actually belongs to my parent and what it consists of? However, should this debt be invalid, could you assist in recovering any money my parents have incorrectly paid to this company, as well as have this company remove harmful information from their credit reports? Since my parents are on a fixed income and cannot afford to pay extra expenses that do not belong to them. Thank you!

i paid chase 1816.00 per agreement over a 6month period,in exchange i would receive a 150.00 credit - now they send me a list of paymenst totaling 1816.00 and try to say the total is 1716.00 when I call and try to explain to them if the add of the acknowledged payments it comes to 1816.00 not 1716.00 all they do is put me on hold and make excuses and why they can't give me my credit

I was a happy WaMu customer and enjoyed their services, when Chase came in, I was okay with them. They even replaced the ATMs with the really nice ones so that made me ecstatic, but when I had to deal with their dark policies regarding overdrafts, I was shocked. On Thanksgiving 2010, a delayed charge for some groceries and gas. I thought it was okay to charge because of using credit at the time of purchase, when I was getting paid the next day was fine. It wasn't so fine. My paycheck (direct deposit) went through and I still got overdrafted.

I called customer service and a routined-toned customer service rep with no care to what I had to say told me that because on the day of the charge I did not have the funds to cover the charge, that's why I was overdrafted. A few months passed, I walked into a branch and closed my account with Chase. I zeroed out my balance and the person who attended me, Chris, said, "Well, you know, you could have prevented those charges if you would have opted out for us to not cover those". As if he wanted to get the last say for me to be sorry for closing my account with them.

This upset me, not only did they indifferently and half-heatedly not want to help me, they also wanted me to feel bad for using their service. I went to another bank and I will never forget WaMu.

A few years ago, a friend tried to cash a check I had written him at TCF bank. They were going to charge him a check cashing fee because he did not have an account there. Fortunately, I was there and they made some arrangement so he was not charged and the check was cashed. I was surprised they had that policy and stopped doing business with them after a major issue that I reported to the banking regulating body that's in Texas, I think. I forgot that name. I thought TCF was disreputable and changed banks.

Recently, the same thing happened at Chase Bank. Once again, I was there also and Chase withdrew the funds from my account with my permission so my friend did not have to pay the $6 check cashing fee because he did not have an account there. But this time, I did not have the canceled check to prove I had paid him as the money was withdrawn to avoid the fee. I don't understand why banks are allowed to do this. It seems totally wrong for them to impose a fee on checks drawn on their bank.

The next issue is with Chase Bank. Last fall, I overdrew an account. I went in to solve the problem. The bank rep told me that I could avoid any overdraft fee if I would sign up for their credit card. Any overdrafts would just go on the card and I would then pay the card. I had no intention of ever using that card. I had only one credit card and cut the Chase card up when it arrived because I never planned to use it. I have always incurred no interest charges on my VISA regular credit card because I always pay in full every month. So, I was really shocked when this January, I received a credit card bill from Chase.

There were $48.92 in interest charges and $10 for each check that was overdrawn and transferred to the credit card. My mother died in December and I overdrew the account with all the turmoil and situations, but I did not know that until the credit card bill came on Jan. 20, 2011. I went to the local branch immediately to settle the account and cancel that credit card. Lucy, the bank rep helping me, called the credit card division to get current charges so the bill could be resolved right then. The $3,419.23 charges, interest and transfer fees amount she reported was paid right then and there and the card was canceled. She said that I would be getting a refund. I was not sure why but when the $20.31 check came, I was glad to get it.

Then, on Feb. 16, another credit card bill arrived for $16.09 so I called Lucy. She said that I had to pay it and transferred me to the credit card division for the explanation. Apparently, Chase added a "suggested" $20.31 amount to settle any more interest charges but I thought all interest charges had been accounted for on Jan. 21. Now, I owed $16.09. The credit card supervisor Jen said that I had requested the refund too soon. If I had waited until the next billing period, I would not have gotten the $20.31 credit and then owed $16.09--but would just have gotten a $4.22 credit. I did not remember being given that option and found the whole thing tricky as I had tried to fully settle the account and credit card problem on Jan. 21.

The supervisor then said that she would not charge me the $16.09 and I appreciated that very much. She said that since the credit card had been canceled, I would not get any more statements and did not owe anything more. I was glad of that but stupid me for signing up for that card in the first place. If I had overdrawn the account again, Chase would have notified me within a day or two and I would have owed an overdraft fee. But in signing up for their Slate card, I was not notified of the overdraft for over one month! And interest was accruing at "juice loan" rates plus "transfer fees."

I blame myself for not inquiring about the Slate card when it was offered but the bank rep never happened to mention anything other than it would avoid the overdraft fee! How stupid can I be to believe that? Well, I have eventually paid their price. What they did probably was perfectly legal but what an enormous omission of consequences. I don't think they should be allowed to get away with either of the above mentioned charges. They do nothing to inform the consumer. McDonald's has to post what they offer and what it costs--so why don't the banks obviously disclose and post their fees like the menu at McDonald's?

Why all of a sudden are you taking what little I have from my account like this? What the ** is that about? If you just send me some rules stuff. Chase is so broke that they have to steal my little 42 cents when I obviously don't have any money for awhile right now. I have had this account since 1992, Bank One sold Lorain office and closed it so I had to open it again. So now, what is this fee all about? I want exact rules of what inactivity means. Chase never charged any fee like this before for many years now! I don't want my accounts changed to anything without my authorization first.

The bank decided, without my authorization, to change my account setup. If I have the rights to fight back on this, then I want to do so. I'm tired of big banks bullying over people and just doing whatever they want.

I'm a disabled combat vet from Operation Iraqi Freedom, and I'm having an issue with Chase Bank. I've been fighting for my VA disability for a couple of years now, and recently was approved. When I originally filed for my disability, I put down a Chase checking account number for direct deposit (so it was faster once approved to get my money) that I had jointly with my wife. Since then, the account was closed because it has a lien put on it for other matters by the bank. Once I was approved, the Federal Treasury sent a back-pay check for just over $10,000 to that bank account. Instead of being bounced back to the Treasury as it should have been, Chase re-opened the account. When I called about it to see what was going on the first time, I was told that the account was closed and that the direct deposit had been denied and sent back to the Treasury. When I called again, they told me that they had taken the check, taken the money that they thought was owed to them via the recovery department. And they told me that a check had been sent on the 8th. But they said that they would cut me a new check that day (the 9th) and mail it to my current address if I went to the branch to file an affidavit of indemnity.

I went to the branch to do so. I was told I did not need to file one and that they changed my information in the system. The lady at the bank even called the Recovery Department. She spoke with someone who told her that a check was on its way to me and gave me a check number. I believe they did not have the right to seize that check in the first place since VA disability money is exempt from any and all liens that may be present. However, on the phone I was told by someone at Chase that as a bank, they have every right to hold my money from me for any reason they see fit, regardless of who or where it came from. They also stated that they were not psychics or 'Mrs. **' and had no way of knowing where that deposit came from or what it was for. This is not true. Federal VA disability money is specifically marked as so and is exempt from liens according to US law.

I'm not as interested in getting the $95 back that they took from the check, rather getting Chase to give me the money that I am owed. They are refusing to do so in any kind of timely manner. I've also been told 4-5 different times that a check was in the mail to me. I was even given a check number. The customer service department specifically told me that it was mailed out on the 8th. The second time I was told it was mailed on the 9th. So, I've been anxiously awaiting its arrival in the mail (I am currently only able to sleep on the floor at a relative's house and allowed to receive mail there). Today, when I called and spoke to someone else, they said there is no check in the mail to me. And they said that I have to go to a branch (closest one happens to be over 40 miles from me) to fill out an affidavit of indemnity before they'll do 35-45 days of 'research' to see if I'm really who I say I am or not. That is before any money will be disbursed to me in the form of a check that I'll again have to wait for.

I'm currently homeless, so this check is a big deal to me. Having told this to Chase on the phone, they specifically told me that it was not their problem. I'm curious as to whether there is anything you may be able to do in order to help me out. As a veteran of our own US Army who was injured in the line of duty to this country, I believe I am being treated very unfairly by the people at Chase Bank. Veteran status seems to have no benefits when it comes to civilian life, even though I risked my life to defend theirs. Thank you for your time. I look forward to hearing back from you.

Chased by Chase. Kathy ** (VP/Branch Manager of Chino Valley, AZ Chase Bank) was out to get me. On Nov. 24, 2009, I called the corporate and told them about a problem as a customer. Corp. Chase said, "open another checking account with us". I went down to my branch and the branch manager (Kathy **) came up to me and said "No, I won't authorize. I don't care if you called the corp. I rule this bank, what I say goes and the corporate has no authority over my branch". I was astonished. I said, "There is something wrong with you and I am no longer doing business with you". I walked out. I went to the Miller V. Rd. Branch (Prescott, AZ). They gave me the money and receipt (at this time, I wanted to pull my money out because of the incident 20 minutes before) and walked out of the building.

They came and opened my car door as I was leaving. They wanted to count the money again. The funny thing was: When I got in there again, I was told to sit down and that was it. Nobody would speak to me nor did they ask to count my money. Then, they got a call from Kathy ** from the other branch. I stood up and left. That was when they chased me across the street, ran into my Wells Fargo bank and Madja ** (manager of Chase) screamed "Earl just robbed my bank" in front of 30 customers. I saw people dropping to the ground, people covering their heads, 2 guys jumped at me and slammed me to the ground.

Madja didn't want me to leave. She said I am not leaving unless Earl comes with me. So she grabbed me by the arm and walked me out. Then I took off again, she tugging on my shirt, I ran down the street for 2 miles as they chased me in a silver truck. I got caught by 4 police cars, handcuffed and the story was that she called in an assault; that I had assaulted her employees, fraud charges and robbed their bank which were all false. Kathy **, Madja and Chase Corp. in Chino & Prescott did this to me. And my record is clean. Then that night, I got a threatening personal cellphone calls from bankers of Chase instructing me to return the money. Police reports in Prescott, AZ and filed lawsuit documents at courthouse. Chased by Chase.

This dispute pertains to Washington Mutual, JPMorgan Chase Bank and any affiliates:

I have been in search for help with my loan modification. Actually, I was making my payment on time when in 2009 Washington Mutual/Chase Bank began to raise my mortgage when it was premature to my original agreement. Then I fell a bit behind. I was working with underwriters on many occasions and I was informed on many occasions that my loan was going through. Then with no warning or answers to my legitimate questions, I was put on a roller coaster in a run around loop.

On many occasions I had written multiple letters (over 20 letters) to enquire about my loan, re-modification, and misrepresented tax form 1098 by them, which I now once again just received from Chase Bank and I feel they are not being forthwith pertaining to the numbers. Now once again, I am trying to get them to audit my file with a quick response because my taxes are due again and if I don't have the numbers correct, I may be fined by the IRS.

I also have certain rights which qualify me for protection and accommodations under the Americans with Disabilities Act Amendments Act of 2008 (herein-after, ADAAA). Although the original Act was passed in 1990, a relatively few decisions under Title II of the original Act or the recently passed ADAAA relate to accommodations in the courts and other entities. Supplicant suffers from what his medical and psychological evaluators have termed traumatic brain injury and post traumatic stressed disorder among other somatic problems.

I have requested assistance from Chase bank's ADA advocate because I have disabilities that constitutes me receiving an ADAAA advocate. Chase Bank never responds to my inquiries. After all of the horrific games I hired an non-legal Advocate to assist me in my efforts and the advocate has been working with Chase Bank and informing me as to the facts that Chase Bank has everything they needed and they are not asking for anything else, however, they do not respond to my ADA, tax, and other issues and still I am without my re-modification. I need Chase Bank to furnish what I asked for especially pertaining to my 2009 taxes and now once again 2010 taxes.

Chase Bank denies me these rights and now they are continuing to play more runaround games that I believe are unnecessary. I have shown on many occasions that I am eligible for the Obama plan and Chase Bank representatives also expressed that I do qualify. At the least I need my correct accounting for all of my monies paid to Washington Mutual Mortgage, JPMorgan Chase Bank in order for me to file my current 2010 taxes which are due. As far as the re-modification, I don't know what to do?

Without the audit, I will not be able to file my taxes and eventually I am certain the IRS will fine me. I even sent money as a good faith negotiation for my outstanding balance to clear it up and start over, which they accepted my check by cashing my funds and all correspondences and after they received my checks I have heard very little.

I have been sending Chase bank at the least $1,500.00 every month for over one year plus and I believe November 2010, I sent another good faith check in the amount of $1,500.00 and they sent it back with no response. I once again mailed it back and I have heard nothing since. Although each month I continue to make good faith efforts by sending them $1,500.00, I have not heard anything saying otherwise from them as to anything concerning my taxes, loan, or other requests. What can a disabled patron do to receive fairness in these matters?

I deposited a check ($1,288) last Friday afternoon. According to the receipt, $788 will be held and possible to be available by 2/8/11. Before the deposit I only have $1.29. The receipt showed that available balance is $101.29. I withdrew $100. On sat, I check the available balance and it's $401.29. I transferred $300 to my savings. Then I remember that I need to pay some bills. I transferred back to checking $200. On sun I check the balance and it shows $300+. I paid 2 bills, for $40 & $58 online.

On Monday, I'm surprise that I receive a message saying that I have insufficient funds. Then Tuesday when I check the account activity, I was charged with 3 insufficient funds ($34 each) and my balance is negative. Now, I don't have money to pay my other bills and when I , they said that sometimes it took up to 12 days before they clear a check which is not stated on the receipt in the first place. I believe this is a total consumer fraud that chase bank is doing. I may not be alone. And if they keep doing this they are stealing a lot of money to the people.

are updated. They cannot issue a check except via mail which is obviously unreliable from them.

They are essentially holding my money captive. No one has offered any alternative. They say that they have nowhere I can go to get my name or address changed or to get my check. I am completely frustrated and lacks ability to change my investments.

I opened my account on November 4, 2005 and was told that there would be no fees if I kept a five hundred dollar total balance and agreed to an automatic transfer of twenty five dollars from my checking account to my savings account each month. On my first statement I noticed a fee of seven dollars which was refunded to me because I met the balance requirement. After that I kept getting charged the seven dollar fee every month even when I had met the balance requirement. My monthly statements stated that this was a "Service Charge". As time passed I noticed the service charge had changed on my statement to "Monthly Package Fee." I made multiple inquires about the "Service Charge" and the "Monthly Package Fee" and was told numerous times by telephone bankers, personal bankers in the branch, branch managers, and assistant branch managers that this was just a regular monthly service charge for maintaining the account, which was not true but I needed my account open to cash my checks.

I was told that this seven dollar charge was actually being paid to a separate company, Affinion, which was set up initially by one of the personal bankers in the Brooklyn Chase Branch, on 75th St and 5th Ave, when I had first opened the account. I immediately canceled it. I was not told, and did not agree, to this package for monthly benefits. I also never received any of the benefits which consisted of Shopping Discounts, Prescription Drug Program, Accidental Death Insurance, Vision Plan, etc. When I contacted Affinion about these benefits, they told me that I was never enrolled with them and do not exist in their system. I voiced my concerns numerous times to the Chase branch manager, Antonella **, but all she kept telling me was that she was unable to obtain the paperwork for the account. I feel I was treated unfairly and was poorly misinformed.

My problem involves a series of online transactions during January 2011. My simple objective was to transfer $49,000 from my Chase savings account to an account at another bank that was already set up as an external account with Chase. Upon attempting to make the transfer via the web at chase.com, I was stopped and informed that the maximum transfer amount was $10,000. Frustrated that I would be forced to execute 5 transactions I proceeded. At the 3rd transaction I was informed that there was an additional limit of $25,000 of transfers per business day.

I transferred the $25,000 maximum and returned to chase.com the following day to transfer the final $24,000 in 3 more transactions. The following day I logged into my account at chase.com and discovered that a $12 service limit fee had been deducted because I had executed more than 6 pre-authorized transactions within a business month. Prior to the 6 transactions described here, I had done an internal Chase transfer so I had executed 7 transactions in all.

The $12 is a small amount, but it's the fact that Chase first forced me to execute 6 transactions and then levied a fee against me for doing so! In my email exchanges with Chase they cited applicable federal laws that justify the transfer amount and transaction limits on my account. It's not just the technical legality of the service fee, but also the fact that Chase could and, I believe, should have informed me prior to the last transaction that I was about to incur a fee.

I am currently 50 days past due. I have spoken to several of Chase Finance collection reps every day since 1/27/2011. They have me on auto dial and are calling every 15 minutes after I have spoke to a rep. After speaking with two reps on 1/9/2011, today, a rep by the name of Josh is calling my friends and family. I am not even 30 days past due. This is nothing short of a harassment tactic. I've called and spoken to a manager about this guy Josh who has called me before and hung up. He is now calling my family and friends. I got nowhere in reporting this incident to a manager.

If anything, it has gotten worse since speaking to a manager. The manager kept saying that they are trying to collect a debt. I know that I owe this debt and have told them repeatedly that I will pay on the 15th of November. How can I stop this? At what point is it no longer trying to collect a less than 30-day old debt, but harassment? I believe that when I spoke to the manager, things have gotten worse. I have submitted two complaints with the FTC because I'm sure that I am not the only one who is experiencing this torture.

Just as your bank, J.P. Morgan Chase Bank, admitted (prior to having another class action suit) to having committed errors concerning overcharges of interest and foreclosure actions to Active Duty Military personnel that were your customers, I need redress for your bank errors against me. I saved your bank on a 2005 foreclosed and bankruptcy involved property--almost four years after your bank had full possession. Your bank did nothing with the property. The house was empty for over four years. Your bank even failed to take it out of my name; thus, eliminating having to pay property taxes on the house. Your bank failed to have any insurance on the property.

I discovered that the property was in my name, four years after the foreclosure and my bankruptcy, so I made an offer to purchase the vacant. During the time your bank had possession, your bank did nothing to protect your repossessed brick house. Despite your bank's numerous attempts to obtain a real estate appraisal that would establish any value, it was determined to be practically worth less than the value of the land, due to damage and neglect by your bank (and wold have to be demolished to obtain that value). I offered to purchase the property for a long time negotiated amount of $31,212.34. This was accomplished on June 22, 2007.

This was not a settlement of loans or forgiveness of loans. This property was foreclosed in 2005, and was owned by J.P. Morgan Chase Bank (formerly BankONE) which is your bank. The previous owner (me) had presented the property in bankruptcy and your bank had undisputed possession and total ownership. Then, after this purchase transaction, your bank committed an error and sent 1099-C documents showing the bankruptcy charged-off loans of $36,359.00 and $16,920.00 as "income" to me. This was totally wrong and I told your bank that they had made the error.

I will never ever purchase anything from Chase again. They are the rudest people I have ever dealt with, they are not human. I am so sick of the every 15 minute phone calls interrupting my life--even on New Year's Day. I would never recommend them to anyone. I had loans in the past with Ford, Wells Fargo and others, and I was never treated badly. All I can say is do not use them. You will be totally unsatisfied with their poor excuse for customer service people--who are so rude and can't speak English.

I was aware of my levy due my child support arrears, but on 12/28/10, Chase put my account on hold claiming that a court order to do so, and right at that moment, I noticed that their attitude had changed. They were very unprofessional, like I was nothing. But on the same levy order states that it only can be good or they can proceed if my account goes over $3500.00 or more. I know this because I called several times to San Diego Child Support Enforcement Office, that in fact I had to wait for 1-1/2 days for them (DSSC) to return my call. And I spoke to Mr. ** from Collection Levy Orders that they had made a mistake they shouldn't have done, that because it is on the order that only if your account have $3500.00 or more not before, and in fact, he did a big favor for me to call the legal department for Chase and have them release the money.

I moved my regularly scheduled payment out by 10 days due to the holidays but set it up as I had done in the past over the internet. I visited the website earlier today and noticed the account status now posted past due. I sent Chase an email alerting them to my pre-scheduled transfer and they replied with a note asking that I call them. I did as instructed and felt interrogated by the rep who clearly was doing her job because now my account usually due on the 15th was now 8 days overdue. First of all, I have not been late on this ever; secondly, I scheduled the future payment in their system which I am told they cannot see and was being chastised for somehow not making them aware of the scheduled transfer confirmed by their system. Why are companies allowed to bully consumers? I thought bullying constituted an offense?

I have been a regular banking customer at Chase for over 20 years. After my mother's death in 2007, I inherited money from the liquidation of her estate and I put that money ($220,000.00) in my Chase savings account. During 2009, I started receiving phone calls and messages from Latrice *** at Chase. She wanted to talk to me about how I could get better interest on my money.

I put her off for about a year because I didn't want to think about money. Finally, in October 2010, I agreed to let her transfer my money into an account that would "earn more interest." I wrongly assumed (because she had access to my private financial information, that she was serving as my financial advocate. She never mentioned the possibility of risk and didn't explain to me that my money was no longer protected in any way.

On October 25, she and her manager (Ernest ***) signed me up for a mutual finds account and advised me to transfer all of my savings into this new account. Within the first week, the account had lost $800. I panicked, called Ernest *** to express my worry. He claimed that everything was fine and that I needed to wait until the end of the month to receive the dividends that would be paid out later. When I next checked the account again, it had lost $3000. I called Ernest *** again and expressed dismay. He informed that there was "volatility" in the market and that I shouldn't panic as it would adjust. I expressed great discomfort at that time. He reassured me. Then the account dropped $5000.

I called him and expressed more dismay. Finally, when the account dropped $9000, I demanded that he remove my money from the account. Although I did sign the papers that Latrice *** and Ernest *** gave me from Chase, I do feel that this is an example of predatory lending because I *never* solicited any services from them. They pursued me and used their access to my records to get access to me. I feel that they took advantage of my ignorance.

From the very first phone call, it was clear to Ernest *** that I had not understood the nature of the account that they had signed me up for, and that I was not comfortable with it. I feel that he had a professional responsibility to make sure that he was acting in my best interests as he had been serving as my (unsought) financial adviser. I believe that Chase allowed their officers to behave in a way that was predatory and that constituted an abuse of their access to my private records.

I am retired and my mother passed away in October 2009. She was helping me with the bills. Now, I am by myself. My children are trying to help me but they have their own bills. I enrolled in a credit resolution company Madison and Associates. I provided them with two of my creditors, Bank of America and Chase for my visa accounts. They have been trying to negotiate with them for the past four months with no resolution. I kept one of the Chase credit cards which I am making the payment every month. I pay $80.00 over the monthly payment. On 12-11-10, I tried to use the credit card for a $52.00 purchase and it was declined. I currently have $526.00 available credits on this card and it was declined.

Let me also mention that they call my house everyday at least 9 times a day without leaving any messages. They are refusing to negotiate any type of reduction on the debt I owe. I feel they suspended my credit card because of this. I don't feel this is fair especially when I have continued to pay this bill timely and also pay $100.00 a month when the monthly payment is only $21.00. With all of the money that Chase made when President Obama helped the banks, this is unfair. I just feel that as a consumer you need to know what these banks are doing especially to seniors in this country. They also have threatened me with suit but it is not like I am not trying to pay them, they will not negotiate. Bank of America negotiated and Madison and Associates have already paid off one of my bills.

Actually this applies to not only Chase, but also to Discover and Bank of America - and therefore presumably to most banks that issue credit cards. My guess is that this problem happens rarely enough that it was overlooked by the Credit Card Reform Act, but I don't really know. What happened was that I had 3 credit cards paid off and closed by a lender. For some reason they used a balance that was several months old resulting in a several hundred dollar overpayment on each of the cards. After waiting over 6 weeks for a refund, I finally contacted the banks.

Each of them confirmed that my account was closed and that I had a credit balance. Yet, each of them required that I contact them to request a refund of that balance. It's unbelievable. If the account is closed, why would I want to leave a credit with them? The people I talked to understood this, but obviously the executives responsible for this policy don't. I think we need another Credit Card Reform Act.

Jennifer ***, VP of Chase closed my account because she's mad ! I wrote Jennifer ***** from Chase. She wrote all of Wamu's customers informing them of the new "service charge" scheduled on their "free" checking accounts. She actually responded to my comments by sending me a personalized next day air letter in the mail responding back by closing my Chase account in 7 business days because she was so ****** off at my comments. I didn't write anything *** but I indicated she was very disliked on this website, that I was closing my chase account. What a ***. Why go into the branch to cancel your account when you can do what I did(!) and email a response to Ms. ****** and she will do it for you? I bet she hates our emails showing up on her black berry. VP of Chase retaliated and closed my bank account because I dared complain about 150 dollars in service charges starting in two months from now.

Hey get this. I wrote Jennifer ** from Chase. She wrote all of Wamu's customers informing them of the new fee schedule. Not only does she check her email. She actually responded to my comments by sending me a personalized next day air letter in the mail responding back by closing my Chase account in 7 business days because she was so ** off at my comments. I didn't write anything stupid but I indicated she was very disliked on this website, that I was closing my chase account. You asked for it! Her contact info is, drum roll please. ** telephone number ** what a scumbag. Why go into the branch to cancel your account when you can do what I did! And email a response to Ms. Jennifer and she will do it for you. I bet she hates our emails showing up on her black berry.

I opened an account with Chase less than a year ago with the promise that it would be "free" forever if I set up direct deposit. I explained when signing up that I am paid on a ten-month year and was told that it would not be a problem and I would incur no fees. Now that is changing to a $10 fee for any month for which there is no direct deposit. I will be closing this account based on both principle and cost; there still are plenty of free non-Chase options out there.

The Chase Bank repo our car after we made the payment. We made a $300.00 payment and we need to give them only $88.00. The reason they did not get the payment was the weather had close down the banks and she said you can give us the money on Saturday. And that night they came and repo the car. My husband has a lot of doctor's appointments and we can't get there. He needs his car and I have appointments that I have missed too.

My complaint is against the bank in general. Chase Bank will be adding a $10.00 fee per account per month to their checking accounts in February 2011. In order to avoid this fee, you need to have either an average balance of $1,500.00 or at least one direct deposit per account of $500 per month. My husband and I are self employed. We have no direct deposits and in these hard times, it is impossible to keep an average balance of $1,500 in each of our accounts even if we were to consolidate them.

I tried to pay my electric bill over the phone with my Chase debit card one day and got declined. I knew there was plenty of money in my account as my husband's direct deposit went in that morning. I called my branch to find out what the problem was, but no one could tell me. I was told to call the 800 number on the back of my card. I called the 800 number and after several minutes, I was told there was an item they were researching. At this time I was ok with it as I knew they wouldn't find anything wrong. How nave, I was. What really happened was they closed my account because they said there was some kind of fraud going on in my account.

My husband and I went to my branch to find out what was going on. It took them at least 10 minuets to finally find out what they thought was the problem. My daughter owed me $500 and wrote me a check (she banks at TCF). I asked her if she would please deposit it for me. Since it was after banking hours, I gave her my debit card to deposit the check in the ATM. This was the first time ever that I made a deposit using the bank's ATM. For whatever reason, I still don't know my bank flagged this check and closed my account. There was never anything wrong with the check, TCF bank honored the check, never took back the $500 dollars.

In short, the money never ever left my account once the check was deposited (funds were available in my daughter's TCF account). Yet they closed my account, refused to release any funds to me, even though my husband's check had been auto deposited! And they couldn't give us any good reason why. Plus, I was never ever notified they were researching anything about our account.

After nothing panned out about their so-called fraud on our account, they still wouldn't release the hold on our account. So instead of saying they closed our account due to fraud, they said they were keeping it closed due to too many NSF's on our account! This is not true, I saw the information on their computer screen at the bank and all that was noted on our account pertained to that $500 deposit! It's now been over one month and they still continue to hold on to the $200 in our account! They say in case any items come in, which makes no sense since if any items do come in, they wouldn't pay them anyway!

It starts off Chase Bank gave me a predatory loan. When I was forced to file a complaint, they offered to modify my mortgage and forced me to sign something that I would not sue them. I signed this under duress of losing my home. After the modification, Chase then starts taking my payments and applying some of it towards something not even contained in the modification. They sent me a letter stating I owed a $0 balance, then send me letters telling me my mortgage is in default. I filed a complaint with the Federal Trade Commission and I am filing a complaint with the Attorney General's Office.

On 9/28/09, I made a Cooper tire purchase at a local retailer Knapps Service Center. As part of the purchase, I was entitled to a $50 rebate card. I received the rebate card which was issued by Chase. I activated the card and tried to use the card initially several times. It was declined for unknown reasons. With the 11/2010 expiration date fast approaching, I made one last ditch effort to use the card for a purchase in the amount of $49.31 on 11/30. That was also declined. When I tried to call the customer service line on the back of the card (866-360-3231), I got an automated system with no way to speak to a live human being. I called a number on the card registration website (866-352-5878) and finally got through to a live person.

I spoke to Shannon who advised there must have been an issue with the initial activation. She also advised I was charged a $3.95 monthly inactivity fee! So, my $50 was now $10.50. I asked for a phone number or address for corporate or someone else who could help me (she advised this was not her department) and she could not provide that. What a practice! Chase is holding my money and charging the equivalent of a 94% annualized interest rate on my money, just because they get to keep it longer! First, this is predatory. Second, this is their error. Do they purposely decline transactions so they can collect this fee?

Account No **. Tonight, I spent over two hours on the phone with Chase Customer Service Rep. (names above) Issue since issue and opening of this account. We have not been able to use the card when making purchases over the internet. Several calls have been placed to Chase regarding this issue. Tonight, I attempted to make a purchase of $61.00 with Collections. Card was denied. Was informed very in a very rude manner by Don I was not on the internet nor was any attempted purchase shown on his screen.

Place another call to Chase. Yes I was correct. Apparently, a card was issued, we did not apply for and this card was appearing as our primarily Chase Card. I closed this account, again customer service was rude. No assistance on the Fraud issue.

I asked that the cash bonus to the card I did apply for and did use be sent to us. I do not feel someone who pays their credit card in full each month. Should be denied internet access to the account. I am very upset with so many representations not speaking to me in a cordial manner. As I stated, a credit card is to be ease of use without stress with the account is in good standing.

Please assist me with the denial issue and fraud. Apparently this is not important to Chase.

I applied for a TJ Maxx card, which uses Chase Bank, and was denied. I received a letter from Chase stating the reason for denial was "Delinquency or other derogatory relationship with our bank." The letter read that the decision was based in whole or in part on information obtained from Experian and included Experian's contact information. I contacted Experian and obtained my credit report, which showed 100% positive remarks with all accounts in good standing. I have a 752 credit score.

I then contacted Chase to inquire as to why I was denied. I was told the decision was based on two "charged off" accounts I had with Chase over 12 years ago, which I had included in a bankruptcy. I informed Chase it had been more than 10 years and the bankruptcy had been removed from my credit report; at which time, I was told the "charge off" would remain on Chase's records indefinitely regardless of what the credit bureau(s) may report. In short, I was told that unless Chase decides to change their rules for deciding credit worthiness, my Chase cards which were charged off would be used against me regardless if they were filed under bankruptcy are no longer being reported through the credit bureaus.

My complaint is that Chase sent me a letter stating my application was denied based "in whole or in part" on information obtained from Experian. This proved to be a false statement unless Experian is providing banks with different reports than what it provides consumers.

When Chase was still Wamu, I never had an issue. Once Chase took over, I have been bombarded with terrible experiences. On many occasions, I have had Chase authorize charges that shouldn't have been charged. For example, when I had lunch for $5, I was charged 3 time. They have mixed-up my bill payments like the student loans, car insurance and cell phone bills. Also, they have charged me multiple overdraft fees when my account wasn't overdrawn.

My latest issue is when my card was declined because the address attached to my card had been changed without my approval. Chase has terrible customer service. Every time I call with a problem, I'm greeted with heavy sighs and attitude, and I receive no resolution. I am tired of their ignorance and their lack of concern for the everyday consumer. This is the last time Chase takes advantage of me!

My husband and I keep separate bank accounts and he had recently opened an account with Chase, thinking it would be closer for him to deposit checks than the credit union he used prior. He had his account with Chase for about a year and since we both work, we had not had a chance to go into a branch together to add my name to the account.

My car recently broke down and needed a new transmission. My husband agreed to pay for part of this cost, and the car repair shop would only accept cash or credit card, not checks. So my husband wrote me a check from his Chase account. I went there with his check, which is a negotiable instrument and a demand to pay, and they refused to honor it. They admitted that he had sufficient funds but unless I opened up a new account with a 7 month minimum and a $6/month fee, then I could not have the money.

So I could only have the money at the cost of $42! I finally demanded that there has to be another way to figure this out. They claimed that there was no way for him to initiate a wire over the phone, even though I am an accountant and we initiate phone wires over the phone daily! They also said they would call my husband to vouch for the check and I'm unsure why they bothered because afterwards they still refused to cash it. It was so crazy! On top of it all, they treated me as if I was some sort of disgruntled wife trying to rip off my husband even though they had just spoken to my husband and it was obvious that was not the case. It was extremely insulting and we are both furious and disgusted! We have filed a formal complaint and will ultimately be closing the one account we have with Chase.

Bottom line is that not honoring a check written by a customer where they can clearly see the funds are available is against the law and this is a very unethical company. I hope thy end up in the trash!

I owed my daughter $125.00 ($100 rent, $25 help her with Rx). I wrote one check for $100 and had forgotten the $25.00, so I wrote her an additional check. I told her to go down and cash them, there was plenty of money to get hers "now". She did so, dealt with a guy named Byron. He started to hand her the cash and she stated, "hey wait a minute, there is $$ missing". He said, "no, there's a check cashing fee of $6.00 per check". She said, "well, give me the checks back" (he didn't tell her in advance of the charge). He indicated that he couldn't because they were already scanned into the system! She left and guess who had to make up the $6 fee? Yes, me!

So a $125 cost me $137.00! But my husband can take his payroll checks right to Puma bank or Tri-counties and though you cannot go through the drive-thru and you have to be finger-printed, they don't charge a dime for their checks. So in this great decision that Chase bank/mortgage has decided to do, it doesn't take money from the individual that doesn't have the account, it takes money from their members because you're still going to owe that individual the exact money, not $6 short of it! I'm absolutely outraged that in a time like this, our economy is upside down and they are going to pull some ** such as this. I've had that account for 15 years at least and have gone through 3 bank company changes! I've had thousands of dollars in that account before hard times hit and this is the way you thank your costumers for stinking with you. Whatever. I'm done, pulling my account and moving on!

I have had an FHA mortgage with Chase since 2001. I've only had one late payment during that entire time. In the past two years, Chase has been calling me for payments before they are 30 days past due. Most recently, they have started calling me on the 11th of each month at least 4 times a day. The first call comes around at 8:15 am, the second at 11:00, then again at 3:30, with the last around 6 to 8 pm. They call even on Sunday. The people on the phone are always different.

I could understand if I was over 30 days late, but I'm not. Why should they care when my payment is made as long as they receive their late fee with it before the end of the month?

I secured a mortgage from Washington Mutual Home Loans in May, 2005. Shortly afterwards, I obtained a credit card through that bank. In September, 2005, I became ill and had to go on disability. Consequently, I filed bankruptcy in January, 2008 and it was discharged on April 29, 2008. In the latter part of 2007 Washington Mutual tried to sue me. I obtained continuances twice because I was planning to file bankruptcy. However, Chase is reporting this payment as a late one on my credit report and they are using date from 2006. I've tried to dispute this with the credit bureaus. But Chase asserts that the information is correct.

How could Chase claim to own this debt in 2006 when Washington Mutual was suing me in 2007 and they were not taken over by the government and then Chase until September 2008. My bankruptcy would have been discharged for five months at that time. I called Chase to dispute this account. A representative said she would contact the credit bureaus. But she also tried to transfer me to a collection agency by the name of Arrow Financial. Washington Mutual was listed on my bankruptcy at least five times for this account with at least five different addresses. And the debt was discharged. Since this debt was discharged in Chapter 7 Bankruptcy months before Chase acquired Washington Mutual, I cannot see how they would have the right to report anything to the credit bureaus. And they are reporting it as closed and transferred and as delinquent.

I think that they might be violating the Chapter 7 Bankruptcy laws. But, before I can say that, I need to find out when they acquired that account. If they required it after the bankruptcy was discharged, I don't think they should be able to report it to the credit bureaus.

I secured a mortgage from Washington Mutual Home Loans in May 2005. Shortly afterwards, I obtained a credit card through that bank. In September,2005, I became ill and had to go on disability. Consequently, I filed bankruptcy in January 2008 and it was discharged on April 29, 2008. In the latter part of 2007 Washington Mutual tried to sue me. I obtained continuances twice because I was planning to file bankruptcy. However, Chase is reporting this payment as a late one on my credit report and they are using date from 2006. I've tried to dispute this with the credit bureaus. But Chase asserts that the information is correct.

How could Chase claim to own this debt in 2006 when Washington Mutual was suing me in 2007 and they were not taken over by the government and then Chase until September 2008. My bankruptcy would have been discharged for five months at that time. I called Chase to dispute this account. A representative said she would contact the credit bureaus. But, she also tried to transfer me to a collection agency by the name of Arrow Financial.

Washington Mutual was listed on my bankruptcy at least five times for this account with at least five different addresses. And the debt was discharged. Since this debt was discharged in Chapter 7 Bankruptcy months before Chase acquired Washington Mutual, I cannot see how they would have the right to report anything to the credit bureaus. And they are reporting it as closed and transferred and as delinquent.

I think that they might be violating the Chapter 7 Bankruptcy laws. But, before I can say that, I need to find out when they acquired that account. If they required it after the bankruptcy was discharged, I don't think they should be able to report it to the credit bureaus.

First, I went in to ask a question about my account and was treated as if I were stupid by some older male employee. Then I got called out of town on an emergency and received an insufficient funds fee of $34.00 for being short $8.00. (My old bank that I switched accounts from had a $10.00 grace). Now I had to call to ask about another situation and was treated as if I were not only stupid but being a bother.

As far as I know, unless something has changed, the customer is the reason these people have jobs so why make them feel intimidated to call with concerns? I work in the public as well and would not expect to keep my position if I acted so superior to people who are just trying to get information. I'm so fed up. This is just not acceptable to me.

First, I went in to ask a question about my account and was treated as if I were stupid by some older male employee. Then I got called out of town on an emergency and received an insufficient funds fee of $34.00 for being short $8.00. (My old bank that I switched accounts from had a $10.00 grace). Now I had to call to ask about another situation and was treated as if I were not only stupid but being a bother. As far as I know, unless something has changed, the customer is the reason these people have jobs so why make them feel intimidated to call with concerns? I work in the public as well and would not expect to keep my position if I acted so superior to people who are just trying to get information. I'm so fed up. This is just not acceptable to me.

The home that my ex-husband and I owned has been defaulted on for 32 months. In April of 2010, JP Morgan Chase made a loan modification agreement with my ex-husband. My ex-husband was awarded the home in our divorce in October of 2009. My name was still on the loan. I was told to do a quick claim deed to remove myself from the new loan. I did as I was told. I sent them the papers. They sent my ex-husband a new agreement in only his name. He singed and returned it. I called a while later and was told that in order to have my name removed I would have to file for an assumption. I received the assumption packet, filled it out and sent it back.

I have called every 2 weeks for the last 6 months only to get a different answer every time. On November 9 2010, I was contacted by Chase. They wanted me to reinstate the loan to the amount of $17,000.00. I ask them to look in to the file to see if they could give me an answer as to what had happened to the loan modification. He informed me that they had received both the modification and the assumption and that they had been accepted, but that Chase was supposed to counter sign and had failed to do so. They could not give a reason as to why they had not countersigned the loan modification. This resulted in my name never being removed from the loan. This is the not the first time. We have made multiple times trying to get a handle on this since the home was defaulted on in 2008.

I had a traumatic situation that happened with a Chase bank safe deposit box approximately 2 years ago. I went to close out my box and retrieve my very expensive jewelry that had great sentimental value to me. I obtained the box initially because I was going through a very difficult time with a divorce that came shortly after I lost my daughter. I was in the process of selling my home and moving and didn't want anything to happen to the jewelry. My ex-husband had bought me some of it when my daughter was actually born. That is why it meant the world to me.

I went to the bank two years ago to close out the box and retrieve the valuable pieces as I was settled in a new home. I got there and the jewelry was missing. The bank manager tried to calm me down and reassure me that there is no way it could be missing on their end and I probably took it out and forgot. I left devastated and tore my home apart looking for it. I accused my ex-husband, my boyfriend at the time. It hurt a few of my relationships. I fired my cleaning lady. The bank continued to insist that there was no way anyone could have gotten into my box because you could only open the box with their key and my key. The manager said the only way it could happen is if there was a master key and there is none.

The bank notified me recently after 2 years that they found my jewelry and they refused to state what had occurred over the two-year period and why the jewelry was lost, stolen or misplaced or how it was returned. They then demanded me to sign a release waiving any damages which of course I could not do since I had damages which must be compensated for. In addition, they advised me that they placed the four items of jewelry in a plastic bag, sealed it up with a marking of a number **** and placed it in the bank's safe.

They also threatened me to the point that if I didn't sign the release, that after six months, my jewelry would be deemed unclaimed and sent to the state as a lost item! I hired a lawyer because they told me not to go back to my insurance company that already paid a stipend on the claim which is fraud. Of course, I did tell the insurance company the truth. I am appalled by the way Chase has handled this situation and expects them to compensate my damages. I will explain further when we speak.

I went to Chase Bank to clear a charge I had not authorized. After that dispute, they said they would call me back to notify me of the results within 24 hours. Two full days passed and no one called me. I checked my account and another unauthorized purchase was made. I spoke to a Michelle who got very rude and wouldn't give me her employee number for a reference of her rudeness.

She put me on hold for what seemed at least 30 minutes. I hung up and called again. I got a nicer representative and she transferred me to a dispute supervisor. She told me the charges were from a submission of a loan and since all my information was correct, they decided to make the charge legit and not do any more investigating. When I asked if it could be further investigated, she said no and when I said if they could try and track the IP address in which that submission came from, she said no. I decided to freeze my account and will pay the $40 that my account is withdrawn for because of these charges and want nothing to do with Chase. They have the worst customer service and I don't recommend anyone trust this company will do anything to help provide assistance to anyone against identity theft as they can't even help me with this problem.

Chase had made a second 50% cut in my credit limit within the last two years. The most recent was today. I always pay on time and never have excessive spending. The cut in spending limit does not bother me, but it bothers my credit score. I don't need a 10,000, 20,000 or 100,000 limit. But fico scores are dependent on many factors, and the one that weighs in heavy is the ratio between balance and limit. I was told that the cut in my limit was due to the fact that my wife opened a 0% CC and transferred a balance from another CC.

I, being an authorized signer was automatically punished because we made the right move to transfer a balance from higher interest account to one with 0%. Am I being unreasonable? The rep at chase told me "Oh, so you transfer debt like that, do you have a plan to pay it off? I was very upset at this point and decided to pay in full and close the account. Never will I do business with Chase ever again.

We signed a contract for the Cash for Keys program and have not heard from anyone regarding this matter. We are still waiting for the money that was promised to us under the signed contract.

I work for Chase and they strung me along to believe there was a chance that it was a possibility to modify my rental property in Texas. Then they sold the property without my knowledge. They claim to not have received my tax returns but never notified me of that either. So the sale was based on that. But they also mention that it was denied because it was a rental also? Joanne ****** refused my new address when I had called in with it saying it was not necessary until I physically moved on. The property that I had intended to retire in was sold that same month.

I had been a Chase customer for over 15 years. I had never missed a payment or even been late with a payment in all the time I had been with them. Often, I would pay the balance in full but I carried a balance from time to time as well. Then, without notice, I went to use my card for a small purchase and the charge was declined. Upon investigation, I discovered, like so many others, that my card had been closed.: Why?," I asked. Apparently there need not be an explanation. Fortunately, I have a number of other cards with sufficient credit limits.

I have had conversations repeatedly with customer "no service" with this company as well as numerous e-mail correspondence. Of course there is no resolution or satisfaction. Only the same old story that "We are very sorry for any inconvenience this may have caused." I was more concerned about the damage to my credit score than the loss of the card.This is a despicable company with despicable practices and I was very pleased to pay the balance on the card, which was insignificant, so that they could no longer use my account as a profit center.

I have had a checking account since way before WAMU was bought out by Chase so we have a long history or no overdrafts, no bad deposits, etc. Went to the branch 11/3 to deposit my payroll and withdraw $1100 cash.

My check is way over that amount, so there would have been plenty of money. I didn't have another deposit slip so this "long haired redheaded teller" says Oh, I have a deposit slip, she starts to fill it out, and I say I can do that if you don't mind. So I take care of the slip and she says, do you have your debit card, you won't be able to do this transaction without it. I said of course I do and handed it to her.

I am waiting for her to brand the check and give me the cash back I wanted, and she says I can't give you all that you want. By now, I am irritated and she asks for my pin number and I said you swiped the card? She says yes, and I said I can do that too if you don't mind, I am not incompetent! I questioned why she couldn't give me the cash I wanted, and there was a balance already in the account, and that was all she would be willing to give me. I pointed out how long I have been a customer and that I wanted to see a manager.

After some more argument, she gets the manager, who is new and I have never seen him before. He will not look me in the eye and is avoiding my face, and after listening to his excuse I tell him to give me the check I will go elsewhere and he holds onto the check and the deposit slip. I tell him directly to give me the check and the deposit slip before I blow my cork.

He reluctantly gives me both pieces and I tear up the deposit slip and deposit it towards the red headed teller who is still standing there defiantly looking at me. I left, went to another bank where I have an account, cashed the whole check and got the cash I wanted. This was so rude. The employees were rude and just totally obnoxious. If this is the new Chase, I will close my account. Then I find that one of my employees has had the same difficult time at the same branch. Too much rude behavior, we are going to another Bank.

First of all, I was sent a letter 7 years ago telling me that I would receive a $50.00 savings bond, free, except that I would be billed $16.99 a month for a travel service starting 60 days later unless I canceled.

I never heard a thing from anyone again, but the fee was mixed in with my Chase Mortgage payment for all those years. When I looked at my bill closely, I noticed it, (looking at my bill as now, every penny counts). Chase on the phone denied they had any affiliation with the company, which supposedly supplied some sort of travel service that I never heard of. They replaced some of my money, (6 months) but told me that was it. When are banks in this scam business?

Also, I just noticed, they send me mortgage bills 3 months in advance of when they are due. How many people send them the payments w/o knowing they don't owe them the money yet, but are paying the interest through that date.

They also took money out of my checking account $2,300.00 in order to pay a business loan I had with them. They really suck and should be in jail.

I have five business bank accounts with Chase. I was with Washington Mutual until Chase bought them. My complaint is that, with Chase business checking accounts, they only hold the account transactions for 30 days in their computers. If you don't download them into Quicken or Quickbooks by then, tough, you get to enter all the transactions by hand.

I have to hire someone to enter all the transactions for four months. Just imagine if I had a computer failure and lost all my Quicken data. I would have to enter a year of transactions by hand. This is one indication of how little Chase things through its business services and how little concern is given the customer's needs.

Do not use a Chase business account if you want your records protected in case of mishap!

Had Chase credit cards for years. Also purchased "Payment Protection" which would cover my payments if I were to lose my job. Lost job. Attempted to use "PP" before I got behind on payments. Was told (by Chase Bank) that I actually had to be behind before I could activate "PP".

The next month, when I missed payment, they did a "180" on me and said, "No, you must get current before you could activate PP". I took a short-lived part-time job and made a payment to get current with my Chase credit card then went back to "PP" to ask about utilizing the protection plan that I had paid into for so many years. They then told me that by taking that part-time job to get "current"--that (that) disqualified me from using "PP".

A representative of Chase Bank is calling me night and day from telephone number **. I have asked him to stop but he continues to call several times a day including early mornings this call comes from an Eastern time zone, I am in Central time.

We were Washington Mutual Bank clients before Chase took them over. We had a checking, savings and a personal line of credit. We stayed with Chase after the takeover but then decided to move our accounts to another local bank. We did not move the personal line of credit account, as the balance was too much for us to pay off at the time. We did however continue making our payments on time, every month. We started to notice that Chase was reporting our account delinquent on our credit report about 8 months ago. The local Chase representatives told us it was just a problem in the WAMU to Chase account transition and said it would be taken care of.

This month, 10-18-10 upon checking our credit report again, we found that the account had been written off as a bad debt. We immediately went to our Chase branch and talked to them. We were told, (1) that the account had been sold to another company because we did not have an active checking or savings with Chase (we were never informed of this). (2) The payments we had been making to Chase since the transition were being forwarded on to the new account holder. During this whole time, Chase had been reporting the account delinquent to the credit bureaus. This is not right.

The HAMP program with with JP Morgan Chase bank was a complete failure. What a waste of my time for 17 months. We just had to give them $5,000.00 this week to get our mortgage current. I still don't know why the Making Homes Affordable plan is even up for discussion. Homeowners apply for this and get themselves into foreclosure predicaments and heavy department. It's not the consumers fault. The bank just isn't cooperating into making permanent modifications. So, all in all, my husband and I are right where we started from. I give up, I surrender! I know that thousands of other people have experienced the same situation and even worse. I called the FTC and filed a complaint. Everyone else should do the same thing. Chase cannot continue to mess with our lives.

I can only say that we are on our 18th month with the same run-around as everyone else. I can truly relate to every single person in here. I have made seven trial payments because it was approved for a trial modification. I don't think that I want to do that anymore because now, we received a certified letter stating that we owe $5,000.00. What is that? That wasn't in the plan!

I did my homework ahead of time. I know what should have occurred after that. Why didn't Chase? Hello! Insufficient income, cannot use unemployment as income all of a sudden, missing docs? No. It expires every six months. What? Freddie Mac loan, they should help, but they don't have to help. I have gone crazy here, and I have all of the paperwork that I faxed them. Oh, did I say 18 months? But I should hear something this week! This is the short version. Believe me. I have all of my docs that I have faxed. I have the names. Does it really matter? Our credit is ruined now because of Chase. We were perfect before they entered our lives. I hate Chase. Please, let us have a class action suit against them. We need it. They are criminals.

In 2006, I filled out loan papers to receive a student loan for my son. At that time, I specifically asked if the loan was an interest deferred loan and was told that it was deferred until after graduation.

The loan was for $20,000. Now, the loan is being called due, and they have tacked almost $10,000 worth of interest on the loan for 4 years along with some type of insurance that I did not agree to. I think this is a ridiculous amount of interest for this short period of time and it appears to be compounded rather than deferred. Chase needs to stop defrauding people and selling bogus loans and promotions.

About a month ago, the employee and I were in traffic. He cut off to shoulder and of course he came within a quarter inch of my car. Of course, I got upset and left a note. Today, in rain slicked roads, he did the same thing but I didn't know it was him since I was getting my things to go to my bank. He came up next to me and he said that he has been looking for me and that he has all my information.

Well, that made me truly believe that he would sell my information. I was also told by the manager and employee to leave my bank property . My information was already compromised twice and with his attitude, I believe that it was him. I am filing a complaint with the police and with all the management at that branch. The employee also called me crazy **.

Having been a business officer and a public speaker on fraud related matters, I was shocked to find Chase Bank practicing predatory self serving policies. My problem with Chase involved their loss draft dept. I had a insurance claim which the insurance company issued me a check for my out of pocket expenses. Chase was listed as a co-payee on the check. I called the bank and was told that the repairs to my home has to be done or the bank would not endorse the check. Little did I know that the Chase nightmare had begun.

After completing the repairs, I called Chase and was told that they would endorse the check so I could get my money back. I was also told that I should make a 400 mile trip to there branch to get the check endorsed. After I made this drive, I was told that I needed to fill in additional forms. To make a long Chase story short, this is a break down of what they did.

Chase is the worst bank ever! I was unable to reset my PIN because I didn't have my debit card with me. I was given the run-around in the branch and when I called, I was also given the run-around. I went to the branch and spoke to a rep who could do this for me. I also added my mother to the account and the rep told me that she could receive a card for her own use. This happened on a Thursday and I was advised that my mom could go to the branch the following Monday to do this. She went on Tuesday instead and they told her that there was no request in the system and could not do anything. Nobody in this bank goes the extra mile to help. All they say is, "Sorry, I can't help!" This is not a good enough answer for me. I will cancel my account for good and never again re-open another account with this bank even if they are the last bank on earth!

On September 27, 2010, someone went into a local Chase branch in Los Alamitos and withdrew $1,800 from my checking account. They apparently used a driver's license that had my correct license number and they forged my signature.

On, October 1, 2010, I received a text that I was overdrawn. I immediately called Chase to report the withdrawal as fraud. They asked me if I had reported my wallet stolen and I said no. I have not lost my driver's license and I have no idea how my identity was stolen. On October 2, 2010, I called the claims department and they told me they were denying my claim because: 1.) an ID was used; and 2.) the signature was a match.

They were accusatory and insisted that there was nothing they could do because the signature looked just like the signature on my checks. The signature is a forgery and it looks similar but it is not a match. I had a vacation scheduled from October 3 to October 16. Today, October 18th, I spoke to a claims supervisor who was also accusatory and said their investigators thought the signature was a match. I asked if the investigators were forgery experts and she said no. I complained about their accusatory demeanor and she said that there was nothing else she could do and that they don't review video footage without a police subpoena.

I already filed a police report and I am waiting to hear from the detectives. I am extremely disappointed with the way the Chase claims department treats its customers. They also said that there were "other" reasons for denying my claim that they can't disclose. They certainly did not look at the video footage that would prove it was not me, yet they deny my claim and basically let someone steal my money!

I have had to borrow money and was late on my rent. The implications that I filed a false claim with the bank are serious for me given my profession. I am the Executive Director for the Office of Census 2010 in the Office of Mayor Antonio R. **. A false claim is a serious implication for someone who works for a public office.

I'm not sure if anyone else has filed complaints similar to mine, but I know of several other people who have had similar experiences with their claims department. I will be asking them to file a complaint as well.

I am a senior lady who started buying my home in 1988 and I had it refinanced in 2008 with Chase, but what happen was the put my cosigner as the owner and me second. They had me paying $800.00 a month and I lost my income and ask for a recordation loan I was paying $400.00 a month then all of a sudden we got a call that my house was being sold on foreclosure. What I can't understand is the house is in my name only how can they but someone else first. I never missed a payment and was told 6 weeks before the sale. I feel like Chase did very shoddy job because they accepted my payments until August 2010 and put us out the 27th of September 2010. I know there are a lot more people who have been treated this way.

Chase Bank has been jerking me around. I've applied for a modification and am trying to pay my current months payment and they are telling me I can't pay it over the phone but as of yesterday I could. Over the 15 individuals who I've spoken to in the last three days, I was never told this. They told me I could make it. Now they want to charge me a late fee after I was told (after they lost a payment) that I wouldn't be charged fees and was advised to not make a payment until my payment was found, which was recorded yesterday. Now, I must mail my payment and they say I will be charged a late fee.

This is a general complaint about Chase Bank and its business competitors who drain the public with these fees. I had a bill paid to me by a holder of a Chase account for a mere $93. Chase took $6 to cash this check. My question is, "Why?"

Teller said, they are there to service its customers so I asked does the customer get a share of the $6. The answer, of course, is no! I want all of America to join in making these banks stop this theft. It does not take not 1 cent to cash their account holders' checks out of their account holders' own money.

I am disgusted by these lying, cheating upper crust hoodlums and intend to go to my congress persons to begin a campaign to stop this travesty of a ripoff. The upper crust of this bank i.e its white collars and everybody who endorses this can save all the Obama rhetoric. They themselves are crooked thieves and we need to take back our country from this bunch of evil hypocrites.

On October 4, 2010, I received a notice of insufficient funds from the Chase bank branch here in Williamson, NY. I then went to the bank to find out why I was in overdraft and was told that I made transactions that caused this. I then proceeded to explain to the employee that this should not have been so since I signed a paper restricting funds to be taken from my checking account by me or anyone on 2/22/10. Yet, there were transactions made and fees incurred causing my account a negative balance of $155.67, one of which was fraudulent.

I was told by the employee that I had signed the paper and that I had authorized transactions to go through at an ATM. He then called Sharon ** over and they were looking at the computer screen, they showed me a box that said "yes" and there was another notation under the "yes" then Sharon and the guy said I checked the "yes". I continued to dispute this then they finally found record of the restriction paper that I had signed on 2/22/10.

When they found that I was correct, Sharon stated "Hmm, I wonder how that happened". Sharon then implied that I had made those transactions and told me that I needed to update the paper that I signed on 2/22/10. I updated the same paper that I did before. The teller also took me into a back office where I showed him the fraudulent transaction. They gave me back some of the fees and monies as a remedy, but there was also a transaction made that I was again left to deal with without help from them.

This has again caused financial hardship, incurring fees and stress since this is my only income that I get once a month. This is the second time this has happened with this branch, they made a mistake and left me to deal with it without help. Can somebody please help me? I am on a fixed income (ssi) and I needed every penny to pay my bills, living expenses and medicines. This has made me short for the month of November and I'm not sure how I'm going to get by.

On October 7, 2010 Chase Bank withdrew $4,056.36 unauthorized and without any notification whatsoever out of my checking account. When I called the service number to find out why the money was taken, they told me that my sister who has a business account with Chase is not paying her credit account.

When I asked what that has to do with my account, they explained that my sister is co-owner of my checking account and that they have a right to take the money from my account. I explained to the service helpline that my sister is not co-owner of my account. My sister has never deposited money nor has she ever taken any money from this account. She was only named as custodian/guardian of this account in 2004 in case something should happen to me as a single parent. I need someone to help me get my money back.

The economic damage to me is that Chase completely wiped me out. I have no money to pay for bills, for my children, and my house payment (which is with Chase). They charged me with overdraft fees and transfer fees since I kept using my debit card without knowing of this withdraw. I've had to borrow money since they said they won't return it to me.

On October 7, 2010 we paid bills online from our checking account. After filling in bills to pay and printing out our confirmation, we closed the online window. Somehow these bills were double paid and knew off the wall check numbers used to duplicate 6 payments again. Due to a family emergency, we were out of time for the next 3 days funeral. Upon return, I once again went into my account to pay my next cycle of bills and discovered that these checks had been double paid. Upon calling the bank on Sunday, I was basically told there was nothing that they could do about this error and they said it was our fault it had happened.

When we printed our confirmation, this was not done and I want the money put back in my account now. The bank said I would have to get hold of each and every merchant asking for the money to be refunded and however, long it took or if they would do it at all. When is the bank responsible for their own ** ? Now I am left with $1500.00 worth of checks out, not $730.

I wanted to convert 5/1 ARM to 30% Fixed Rate Mortgage from WaMu Mortgage Co. I gave $750.00 for application knowing that if I withdrew, I could forfeit all money. Chase had all the information they needed from WaMu Mortgage, yet they kept asking unnecessary information stretched out over several weeks each week, a little at a time, wasting my time, etc. I was embarrassed and humiliated to a point where I told them to cancel my request.

Three items were presented for payment from my account on a day when there was not enough money to cover all of them. The bank paid the highest item first even though there was enough to pay the smaller items available. I fled a written complaint with Chevy Chase through the online system. I refused to make up the difference because I found it no where in their written policy that they would pay overdrafts from largest to smallest amounts. Of course during the time that this dispute was going back and forth other things came in, which they charged me more overdrafts for. I finally just left the account alone until they closed it.

I went in to see the branch manager before that happened and was told that they would just close the account. She told me at that time that they could not touch our other account to collect on this account while I was waiting for the dispute process.

Since Capitol One has taken over, I have heard from no one about my complaint. Last evening I went to pay for my dinner and could not get approval for my card when I knew there were funds available. When we called Capitol One, we were told that they had frozen my husbands account to collect the amount outstanding on my account. This has left us financially without and funds available to pay anything including daily living expenses. This practice is a sham to consumers who have no recourse but to have a bank account and be at the mercy of banking policies that are not in writing anywhere. I have received calls from a collection agent for the bank and did offer to pay the amount that was my responsibility minus the overdrafts that occurred because of the banks practices. That offer was refused. It is extremely impossible to exist without a bank account and knowing this the banks have taken liberty to take whatever money they deem right and freeze funds without warning so that you have no opportunity to prepare yourself financially.

I set up a traditional IRA account with this bank from my 401K plan. Rollover. They received my check for the account signed for it. One of their employees put it into the wrong account, my checking account. I was unaware of this transaction and was not informed at all. I am unemployed due to no fault of my own. I receive direct deposits from unemployment benefits. Through my checking, I pay for bills. I believe they are responsible for my loss. I believe they should have to reimburse me. I do, periodically, check my account. I believe mishandling of my money created this mess.

I opened a bank account, kids' savings, and business account with Chase. Then, one day, I received many letters in the mail stating that they are closing all our accounts and credit cards. Nobody in the bank can explain why this happened. The bills were paid on time. I talked to many different people and all they say is that "we are not in compliance." Can someone help us get answers to this?

On Saturday, 09-04-2010, I received a retirement check in the mail from ADP Retirement Services in the amount of $22,122.72. On Tuesday, 09-07-2010, I took the check into the Chase Bank branch on Park Blvd in Plano, TX to open an account and obtain cashier's checks as well as additional cash to purchase a car from Frank Parra/Q Chevrolet in Irving, TX.

After sitting in the bank branch on Park for an hour and a half and going through all of the motions of completing and signing forms to open an account, manager on duty Sunny comes over to inform me that there was not enough cash on hand to cash the check. After explaining that he only had enough cash on reserve to service the businesses that rely on the branch for early morning operation, I asked if he would call the branch on North MacArthur in Irving, TX near the dealership where I was purchasing the car to see if they had the funds on hand.

He placed a call to the branch and explained the situation and manager Valerie advised that they had funds on hand and could cash the check if we came over right then. In the meantime, the clerk that was on loan from another branch who had been assisting in opening my account informed me that her new accounts division had rejected my account due to a Trans Union report and that I needed to contact them for an explanation and that they would be canceling my account.

At that time, I asked them to just give me the check back. After some back and forth, the check was returned and I was told that I could just go to the North MacArthur branch and they would cash the check when I was originally told that I needed to open an account to be able to get it cashed. I drove across town to the North Macarthur branch in Irving, TX and explained why I was there.

Personal banker took more than 45 minutes to "verify" the check before he came back and advised that he was unable to verify the funds and that even his fraud division tried to verify the funds and couldn't verify the funds that were written on a Chase Bank account held by ADP Retirement Services. I asked to speak to the manager and Valerie came over and advised that she was the one who spoke with Sunny and that she never advised that she would cash the check.

She stated that all she advised was that they had funds on hand. Valerie stated that they were unable to verify the funds availability or the check from ADP Retirement Services and would not be able to cash it. She did advise that I could try to open an account and they would "hold" the funds for 7-10 days. This didn't make sense to me because it was written on a Chase Bank account and they were not able to go into their own system and verify funds on one of their own accounts.

Manager Valerie was very insensitive and rude and when I advised that I had ADP on the phone by calling the number on the check and that they wanted to speak with her and could make the verification that she needed, she explained that she didn't want to speak with them and didn't need to because she had her own number for ADP and it wasn't the number that was on the check.

However, the number that she had was not to ADP Retirement Services. She advised that I could come back on Wednesday, 09-08-2010, and try again to cash the check and maybe they would be able to verify funds at that time. At that time, I had spent almost four hours trying to cash a check written on a Chase Bank account at a Chase Bank branch. The manager Valerie advised that it was written on a "holding" account that she had no access to and could only verify the account as active, but not the funds available in the account.

So my question was as follows: why tell me to come back the next day? What was going to be different on the next day other than fact that Chase Bank continued to earn interest on the those funds that they would not release to me? I am extremely disappointed that I wasted a whole day trying to deal with what was supposed to be a reputable bank but ended up having to spend $1028.70 to cash the check at PLS Check Cashing in Irving, TX.

How are you going to write a check on funds that you owe to me and "require" that I deposit those funds and earn interest for you and your bank instead of just cashing the check at your bank and getting my money?

I have been a customer for 28 years with Chase Bank at the same address. I called 10/6/2010 to see if a check had been electronically transferred to my checking account from a property sale. I was directed to George. He then said, "I can't help you. Let me get someone for you." He then returned to say no one was there to help me! I then said that I had just gone to the website to view the comments and they read not good. I told him what I had just read and he said "I cannot help it if no one is here to help you."

Finally, calling the 800 number, I had a a nice experienced and professional girl answer my question. I think she said her name is Erica. I love giving kudos to all that deserve and no kudos for those that could care less. Anyway, I was not happy with George with his flippant remarks.

My bank, Washington Mutual, was taken over by Chase. I had a personal account and a small business account for my second business (a small music production company). The business account usually carried a very low balance. Back in May 2010, I made a mistake by forgetting to log a check. I was aware of the error and transferred money from my personal account to cover this, but not soon enough. The money didn't "officially" get credited to my account until the day after it was deposited. The problem was further complicated by the fact that there was an overdraft charge of $34 which I wasn't aware of.

Subsequently, there were two charges, $0.99 each, for two iTune downloads. Chase charged me $34 for each of these small charges. I had over $100 in overdraft charges. I then called the Customer Service center to try to get the charges reversed for the iTunes charges and they would not budge. They suggested that I go to my branch. When I went into the branch, they insisted they could not reverse them, so I asked them to not provide overdraft coverage anymore, to just return any charges as unpaid for insufficient funds.

In July, there was an erroneous charge by Amazon to my account in the amount of $70. This resulted in a small overdraft as there was a little over $30 in the account. Amazon reversed the charge the next day, but not before Chase had charged me $34 for the overdraft. The next day, there was a charge from Netflix for $9.99, and because of the overdraft charge, there were not enough funds, so Chase charged me an additional $34. I went to my branch again, and this time, I was told that because it was a business account, they couldn't disable the overdraft coverage. And although the Amazon charge had been reversed, Amazon was responsible for reimbursing me for the $34 charge Chase had charged.

After contacting Amazon, I called the service center wanting to close the account and I was told that they would put through a reversal of the charges and then if I still wanted to close the account, I could close it. During that period of time, my 101-year old father became ill and I never called them back. However, I kept checking the account and noticed that they still hadn't reversed the charges. My father died ten days ago and I finally got back to check on what had happened.

Apparently, they had taken the balance of their overdraft charges out of my personal account and had closed the business account. It seems that the day after their service representative tried to get the charges removed, someone had denied the reversal stating it was "against bank policy." On top of this, I no longer have online access to the statements and check images for this account, and if I want them, I have to pay a fee. How can these people be allowed to behave in this manner?

I applied and was turned down for a non owner loan after them losing my paperwork 3 or 4 times, updating information. The investor didn't want to do it. The loan was originally with WaMu then sold to Chase. I paid a company to do it the first time.

After the nightmare 1-1/2 years bout, I called in to short sale it, they told me not to, that they have changed. Like a dummy, I tried it again. Seven months later, they just informed me over the phone I have been turned down because my 4506T form was missing the transcript number form on line 6. I had called several times and told my package was complete.

One time I talked to a very rude person who looked over my package and brought that up that line 6 wasn't filled out (as if they were trying disqualify me) but they didn't catch it. I asked do I need to fill one out again and he said no. The other reason they said was my ratios, B of A has approved me and Citi has, same ratios.

They said they are sending a letter and I can dispute it, which I will and also had the lady on the phone do that. This loan is a 80/20 loan, negative and with no cap. The worst loan in the business. I was just trying to get the rate lowered! I feel 100% they try to tie you up and give you the runaround! The loan representative didn't really explain this loan to me very well when I got it, my fault!

Please remove me from your mailing list, you are sending me email after email as if I were a customer / cardholder. You have me confused with someone else and I am ****** sick and tired of telling you that.

This account was originally a BankOne account. It was in good standing with a balance of about $5,000 in 2006.

Once BankOne was acquired by Chase, the account was changed. Somehow, the credit limit was reduced to $1.00 which created constant harassing phone calls which I had to have ceased and desisted and my credit score plummeted down to the 500 range. I spent at least 20 hours on the phone trying to resolve the problem over about a 1-2 year period without success. I was transferred around to various departments and no one was capable of resolving the issue.

My credit score was negatively impacted under false circumstances due to a bank acquisition.

On 09/27/10, I called Chase regarding my 2 accounts stating that I don't understand why my payments are so high on $10,000.00 balances. They could not answer me. I told them I have financial hardship at this time, I could pay $75.00 and I needed help with lower interest or lower payments. I want to pay my bill, but I can only pay a lower amount. I was told that there was nothing they could do and that they were going to add $39.00 late fee. Despite the credit protection on both accounts, that have been charged to both accounts; one at $79.72 and the other at $96.35 monthly. When I called credit protection, they had 8 options and the last one was a one time option of one month payment that I could not use at this time? I, at this point, canceled this plan on both accounts.

They would not refund the payment. Then I called Chase back and they put me in touch with counseling department; not just one, but two. Not feeling comfortable about giving my personal info to someone over the phone, I decided against this choice. One being Greenpath that did not get good reviews. I do not have any problems with other cards, just Chase who acted like I was a waste of time and not worth being helped. I am a self-supporting female who takes my commitments very seriously. I don't know what to do now. I would like to send what I can, but afraid I will never get out from under this if they continue to add on fees. Thank you for your time. Sharon **

I have been a very good customer of this bank, however, due to computer fraud within the Aldi Food Stores, my debit card with Chase was cancelled without prior notification. I was treated like a "criminal", and it took the executive office (Tel. 800-242-7399) several days to receive a replacement card, although I had told them about an emergency. When the card arrived, the manager called, making sure that I had received it, and then came the "bomb shell", that she would close our accounts in 10 days, but felt sorry for us, giving us instead 30 days.

Their behavior caused us a lot of hardship, embarrassment, and delay. They still owe us interests on our savings accounts, which were available as of 9/30/2010, however, those accounts and interests now have been removed from the website. I contacted the Comptroller of Currency in Houston, TX, and I feel that they are retaliating, by closing our accounts. Very bad experience. This bank has caused us a lot of hardship, frustration, and embarrassment, and delay after delay and excuses.

I called on Monday to request payoff and pay with check on 9/27/2010. The person that I was talking with was very hard to understand and I never got his name when asked. On 9/30/10 at 5 pm, I called and spoke with a young woman name AL. I asked how it's spelled. She told me I could not pay off the balance and I could not close the account by phone and she was in the Philippines. I mailed a check on 8/7/10 and received it back today from the post office stating the letter got damaged and returned a copy of the check. On 8/31/10, I sent another check for the month of August and September 2010 for $265.00. My payment due for 10/10/10 is $112.00. All I want is to pay off this account and close the account. The interest has gone up to 29.99%. I now owe $3100.00 and will never get it paid off. I have the money to pay it off and would like to do this and close this account, but it's next to impossible task.

My next step will be an attorney. This credit card company is totally causing grief and hardship on my family and needs to be stopped. I had never been late and have had this since 07/08. First it was WaMu, I never had an issue, but since they changed to Chase, the interest keeps going up and I had not really looked at the interest until I got a late charge in August 2010. I have proof that the error was done in the mail room sorting the mail. I can not speak with a person that can actually help me. Please, can I get some help to pay off the balance and close this account ASAP in writing? Thanks.

I am the victim of counterfeit U.S. Postal Money Orders, which were sent to me from a fraudulent scam artist who was pretending to be a company that looks for people to do "Secret Shopper." I filled out application and was sent an email from a person who says the company is looking for people to fill positions that are open. He said he was from "Mystery America" and told me what the requirements were to become a "secret shopper" for different agencies. I responded to his email. From there, I was sent money orders to fulfill what was being asked of me. I deposited money orders into my bank account (unknowingly that they were counterfeit) and withdrew the amount that was instructed to me.

I was told to evaluate a "Western union" agency, and by that I was told to make a transaction to evaluate the staff at specific agency. I did this and Western Unioned the amount to Spain. I was then told to deduct $250 for my commission, deduct $70 to evaluate a "Wal-Mart" agency. I thought this was a convenient way to make additional money to pay my bills. So, I told my sister about it who lives in GA. I then sent her the person's email. She contacted him and he sent her money orders to evaluate specific agencies as well, as a "secret shopper" for his company.

She went to post master to cash money orders. There they told her the money orders were counterfeit. She called me on the spot to tell me this information. I then went to my bank (JP Morgan chase) to let them know that the money orders that I have deposited maybe counterfeit and I told them (branch manager) the full story of what has happened to me. I told them that I am willing to divulge all of the emails sent to me from the person who sent money orders and any info that I have on this person.

I was told by the bank that we have to wait for the money orders to come back as insufficient before anything can be done. I then went to the police. I was told the same thing. Money orders have to come back insufficient before anything can be done. In the meantime, I was sent more counterfeit money orders, hence the person didn't know that I was on to him. I took those money orders to the post master since they are U.S. Postal. There they confiscated the money orders, the DHL package, letters regarding the money orders and confirmed they were counterfeit.

The post master explained to me that they will be conducting an investigation on the person who sent them with the information that I gave them. I explained to them what has happened to me and the deposit I made unknowingly that they were fraud. I was told to prompt my bank to do investigation. Today, I spoke with my bank's Loss Prevention and Claims Dept. and I was told that they will not do any investigation regarding these money orders. I am a victim of something so wrong and I am being treated like a criminal. I think it's unfair to just sit on this since I let them know from the moment I found out this horrible thing has happened to me. If the police will not help me nor the bank, who can I ask for help? I am a single mother. I work a 9-5 everyday.

I have no criminal record of any kind. I certainly wouldn't deposit fraudulent money orders intentionally. I feel so helpless. Someone took complete advantage of me. I would like to see someone look into this matter and if it can keep someone else from making the same costly mistake I made, then great. I feel as though if I should be liable, not for the full amount, I didn't spend it. I did what was instructed of me by what I thought was an employer. I sent the money orders as a part of the "evaluation." I can't afford to pay this money back to the bank. I am a victim. I was made to believe that I was doing a job for a company. I have the person's cell phone #, email address, and all correspondence from him, from the very first email to the last. I just want justice. Thank you.

They were calling about a debt every 2 hours 7 days a week. I told them I was hurt at work and could not keep up the payments. They said it's not good enough. Then I went to Fast Debt Solutions and they stopped the calls but that was all. And now after 2 years, they are contacting me and wanting a payment plan, which they could have had all this time but they said it was "not enough" money each month. So now I have the question to set up a payment schedule which would take about 15 years to pay off or to let this go and see what happens. My mother is 89 years old and is the principal holder of the card so this is a mess but I am willing and, have been, to make payment but they refuse every time. They would not even act on the buyer protection plan I paid for and would not help in any way.

The Reference is Loan number 1927359970. My mortgage modification is taking too long. I started it on March 2009 and have been denied 4 times. First, they weren't sure whether I lived there. The second time it was missing papers, but they never called. I had the papers done again. The third time was denied as my income wasn't enough. This is the reason why I am asking for help to make my payments affordable. My salary had been reduced. the fourth time I was denied, the statements did not reflect my payments and the printout from my bank Rosely weren't enough for them. I appealed again and at this point, I hired a lawyer. A whole new set of papers was faxed to them to 1-866-282-5682 and sent by overnight also. Now, I have to wait for up to 90 days again. Please help me to come to a solution with Chase Bank. I am on time with my payments. It is very hard. Winter is here and I will not be able to to pay October.

As of 9/17/10, I have no more funds. Chase has frozen my checking account overdraft loan. Many calls and entreaties have been ignored. Chase states they have made an error, but cannot do anything about it. It is supposed to be cleared up by 9/21, but that was a lie. I have been a customer for 30 years, and all of a sudden I am a crook. According to one phone caller, whose name is supposedly "Duan" in mortgage and home lending, he just got the request to fix the account on 9/23, and he will need at least 24 to 48 hrs to "maybe" fix the problem. (800-848-9117). The bank has been promising to fix since 9/17/10. I have run out of options. All the higher-ups office numbers are blocked, and unavailable to customers with problems!

It caused Psychological damage, due to having no funds, lack of info about what's exactly happening, incorrect information, which bank continually asks about after I deny it, I owe hundreds of dollars in bank fees, my was time wasted trying to get things straight, probability of bounced checks, which will really be impossible to clean up.

In July, 2010, I was hospitalized. Worried about my bills, and afraid I would not be able to return to work, I contacted Chase bank to settle my credit account which I owed $6,139.39. I agreed and received a letter with the settlement amount of $4,712. There are no terms on the letter which I still have. I paid the amount requested, and the account was settled.

At the beginning of Sept., I returned faulty merchandise to a company by mail, and was credited by original payment, which I did not realize was my closed Chase account. I called Chase, and the representative stated that the $750.42 return was money that I "owed" the bank, and why would they return it to me? I said, well, according to my letters, the account was closed and settled. Plus, I have to replace the items I returned, and as expected, not from the original merchandiser.

So, I now essentially settled with Chase for $700. less than I actually owed them, and took a hit to my credit score when I could have just paid them in full. I have no terms and conditions that state these stipulations, I am out $750.42 in product, I have a reduced credit score, and no line of credit with Chase. This simply seems wrong to me.

I filed a complaint with FTC, as well. I will be sending Chase all of this information, and I hope I can get the money back I feel I am rightfully owed. Please help!

JPMorgan Chase charged me the unreasonable fees:

Aug 31 -- I deposited a foreign check of USD10,000.

Sept 2 -- I found that $85 was charged, showed upfront fee.

Sept 22 -- The check was cleared, with $45 charged of collection fee; the check amount was less $25 became $9975.

Altogether I loss $155 to clear one check.

Sept 23 -- I talked to the banker, the manager said would reverse $45 and $25, but not $85. I checked only $45 was reversed. Less than 2 years ago, I also deposited a foreign check to Chase Bank, they charged me nothing. Ironically, on the same date, I deposited another foreign check to TCF bank, they charge me nothing and the check was cleared in just a few days, not as long as Chase.

After I bought my car and made a bunch of payments, I went to local branch in Stevens Point and asked about refinance of my car loan. I was told that I would need to make a couple of more payments and I could refinance the loan. So I made those payments and went back. Then was told I couldn't refinance the loan because they've changed their rules by this time. So I paid and then ran into financial problems and called someone in the Milwaukee, WI branch and talked to him and reschedule payments. I tried everything to try to keep the car. I also had to make repairs on it with one income that time. They worked with me for little bit, then they came and repossess the car from me. And they want me to pay all of this money now and no car. I had to talk to a buddy and took over his payment on his truck so I could get back and forth to work.

I have a problem with a balance transfer. I called the toll free number and explained the problem to a very nice woman. She said the check was probably expired. She said to look at the check on the front and back and see if there is an expiration date. There is none. She said if she could see a copy of the check she would adjust the rate to the 2.99 percent rate. She tried to pull it up and couldn't. Since she couldn't see the check, she transferred me to her supervisor, James **, to see if he would adjust the rate.

He said he couldn't because the check needed to be used by a certain date and the date was printed on the front or back of the check. I said I have a copy of the check attached and it does not have a date printed on it. He said, well maybe it was printed on the paper work sent with the check. He also said there is nothing I can do and there is no one else I can talk to. Could you please refer me to the right department or provide me with any help in this matter?

I do hope that you or the person that you pass this letter off to actually cares about your customers. From the treatment and experiences I have had with representatives of your company I don't believe that anyone there does care about the customer only how much money you can make off that person. We purchased our home in 2008 as a new build from a builder. In January of that year we had a very good interest rate locked in. About three months later we were told that the interest rates had changed and so we no longer had that locked in rate. We did not like this but already had too much invested in the home to back out.

We have tried several times in the last 2 years to refinance our home with outside companies as well as with Chase. We have checked many times and we do qualify for every government program that the banks are supposed to have accepted to work for customers in return for the T.A.R.P. funds that they received. We have been rejected on every avenue we have taken with your bank. One representative even had the nerve to tell us to not make your payments for 6 months then we will refinance your loan. What the hell kind of advice and treatment is that coming from your representatives?

In July of this year we sent in all the documentation necessary to have our loan modified through the modification program. It seemed that every week we were told that we were missing documents that were sent in or that a certain page wasn't signed (all pages were signed that needed to be). Your company kept losing documents and finding very ridiculous reasons that kept delaying the process. Now in September we received a letter notifying us that our loan has been sold to another lender. How convenient for Chase. This is too much of a coincidence that our loan is sold during our attempts to have our loan modified so that we can afford to pay our mortgage.

Our mortgage went up, by the way, due to Chase grossly mismanaging the escrow account and got us behind on our property taxes and now we have to pay extra to catch those up. I wish that banks were held legally and financially responsible for mismanaging accounts. Your company should pay the bill for your screw up not the customer. When we first received the letter of our loan being sold, I called and received the worst treatment I have ever received from any company.

The representative would not give me her name, kept interrupting me and talking over me while I was speaking, and even had the nerve to place me on hold because she did not want to hear what I had to say. I asked for a manager and she refused to connect me to one. She said that she would email her manager and he would call me back (which he has never done and it has been over a week now). She told me that my call was not a manager call. I told her she does not have the right to make that decision. I let her know that if I, the customer, state it needs to be handled by a manger then it have become a manager call.

I now called back and after several days of no one returning my calls finally got a hold of Mike in the modification department. He told me that our modification has been denied and tried to give me some bogus reasons that have to do with I or my wife losing our income for one reason or another such as death, being laid off, having to leave work to tend to a family members bad health etc. I do not believe it when he or any other representative states that our modification was not approved because of the loan being sold. I don't believe it at all.

The facts are we requested modification, chase kept delaying the process by repeatedly losing documents, we receive notification of loan being sold dated September 13th; Mike told me that the modification was denied on September 17th. I have been told by Mike and the very rude person that has no name, that Chase doesn't make the decision on the modification. I have been told that is done by Fannie Mae, the investor. I know this is a bold faced lie. Fannie Mae is not a loan investor they are merely a guarantor of the loan. They do not care if the loan is modified or not because it does not affect their bottom line. Chase is (was) the owner of the loan and has (had) all say in the decisions of that loan.

The facts speak loud and clear for themselves. Chase sold our mortgage to another lender to avoid having to modify our loan. As of October 1st, our loan will be handled by another lender. I know that we will have to go through refinance and modification requests all over again. I hope that they care more about their customers than you do. When customers are treated the way that we have been in our situation or similar ones, it is no wonder that many people just give the home back to the bank. They are treated rudely and are not given any assistance when it is desperately needed because of the greed of the bank. But I guess you need to get your money to pay your rent on Park Avenue somehow. I signed it from the mortgage number because that is all your customers are to you, a number.

Applied for a loan modification in Feb. 2009 with Chase. Was told no, I didn't qualify because my debts were too high. "But call back in 30days and lower your bills then you will get a loan modification." I lowered my bills, called back a month later. They told me, "Yes, you qualify for a loan modification." Sent me papers to sign and send back with certified funds of $1907. I reg payment was $2200. This was to be for only three months then was to be permanent.

It went on until Feb. 2010 with me calling every month to find out where my final papers were. Was told Chase was changing systems in Sept. In Nov. was told it will be my Christmas present from Chase. Then in Feb. 2010, I was told, "Sorry, you never were on a loan modification and we want our money now or we're coming for the house." Well I said, "Come, get it and all the *** snow too." Within two days, Chase was calling me and offering me a loan mod again. They called me four times in one day to offer me a loan mod with different amounts from $1947 to $1500. When I finally got paper work 45 days later to sign again, it was for $2011, which I have been paying by Western Union costing me an extra $23 a month to send to them every month.

Since I have been paying the $2011, I have received every month paper work to fill out and send back letting me know that I can have a loan mod. I haven't sent any back. I refused to. Since I started this back in 2009 and jumped through all their hoops for a year. I refused to jump no more. I have wrote Fannie Mae. I wrote the banking commission. No one will help. The president wonders why the housing market won't get better. Well, maybe he needs to stop and be a consumer and see what we are going through with these banks. We're not the rich guys. We're the working people. Only debt I have is a car payment and my house. I didn't refinance when everyone did. I think Chase needs to stop playing games and start looking at who we are as people and what they put us through.

Because of the three-day outage, I had to go to the bank and change my password there because I could not access my account online using my original password.

It is bad enough that there are constant problems accessing information on this account. I could not get into my account online again and I talked to a male sales representative who asked me for my name and card information, which I gave to him. He then asked me if I was a man or a woman, which I thought is odd, so I answered that I was a female. Then he told me he had my information but would not give it to me because he never heard of a woman with the name Randy, spelled with a "y". I said, "You're kidding me, right?" He did not want to give me my information that I need because the spelling of my name was incorrect as far as he was concerned.

I asked to speak to his manager and he put me on hold and then came back and told me 2 of his managers that were men, had never heard of a female with the name Randy spelled with a "y" either. I never had a chance to talk to his managers and I told him that was the most ridiculous reason why I could not get my information because of the way I spell my name.

I asked him if I could reset my user id if he wasn't going to give it to me he sad no! I told him it was ridiculous. I gave him part of my information and he still said it was wrong and kept repeating he had it but had never heard my name spelled like that for a woman. Finally, he told me he would give it to me but with such a nasty condescending attitude and such rudeness. No respect at all for me as a customer. Nothing!

Chase Home Lending has repeatedly denied my refinance loan. Chase is demanding that all debts be paid, such as Honda loan. Most debt has been paid and lowered to $2000, with no other payment due other than my mortgage. Chase is now using another excuse to deny the refinance, stating that they are not sure if this is a primary residence of income property. The property is my primary residence and the initial mortgage was established as a primary residence loan without problem or question regarding my primary residence.

My loan was mixed up with a Marlin ** in Pasadena, Texas. And I received harassing phone calls demanding immediate payment of my loan. My loan was never late, and in fact I have a perfect loan payment history. I requested the loan payment history to ensure that the mix-up did not affect my credit rating. Chase advertises a 4.35% mortgage rate. I was denied the lower rate, repeatedly stating that my loan was too "low" and that I was borrowing $110,000, not $300,000 to qualify for the lower rate and term. Chase also did not offer the 15-year term but only the 30-year term.

I deposited $85,000 in Chase bank in the month of September 2008. Chase stated that my money was spent through my ATM card, $85,000 in one year. I was also receiving Social Security, disability in the year of 2009, and I didn't see none of that. Chase changed my debit card Visa without my permission, and gave me the PIN number they had picked. They never took lump sum of the money out of the bank. Chase robbed me of at least $45,000.

My account does not add up to $85,000 and I have my receipts. Apparently, I am not the only one Chase robbed because they have a history of this behavior. I never bought a car and I did not spend $85,000 in a year. Chase locked me out of my account for that year. When I requested for them to let me in, they declined. They even allowed someone to go into my account, and deposit $250. And the bank went in and took $250 out of my account.

I asked them how did this person get into my account, using her name, and my account number, but they refused to comply. They also took money out of my account for the same item more than one time. I tried to get an investigation done but again, they refused to comply. I have documented proof where Chase has altered my account. Please help me. This has been going on too long. This was my savings, and they stole it. They cannot produce $85,000. They lump my money into big sums, and when I asked what did it cover, they refused to answer.

I was helping my elderly mother apply for a refinance which was denied twice. I have my mother's authorization to speak on her behalf regarding the loan and the first denial excuse was that they were not sure that I could speak on the matter. Phoenix lost 50 pages of the Welcome Packet and could not find it and claimed they never received it even though I had my UPS receipt. The refinance was denied again citing the excuse that Chase Bank is not sure that the property is my mother's primary residence.

My mother has a perfect loan history and has never been late. Chase Bank never offered her the current lower rates and term stating that her loan amount was "too low" being $115.000 and she would need to borrow 300,000 to qualify for the current Fannie Mae rate. Chase Bank mixed up my mother's loan with a person in Texas, who was apparently late and my elderly mother received harassing phone calls from someone named "Gigi" demanding immediate payment. I called the bank and demanded a copy of her loan history to ensure that this mix-up and bungling by the bank did not affect her credit.

I am going to contact my CA Congressman and report this bank and their lending practices in regard to my mother. It is my personal belief, that the bank wants my mother to keep paying the loan at a higher interest rate and will find one excuse after another to deny the loan.

I was helping my elderly mother apply for a refinance which was denied twice. I have my mother's authorization to speak on her behalf regarding the loan and the first denial excuse was that they were not sure that I could speak on the matter. Phoenix lost 50 pages of the Welcome Packet and could not find it and claimed they never received it even though I had my UPS receipt. The refinance was denied again citing the excuse that Chase Bank is not sure that the property is my mother's primary residence.

My mother has a perfect loan history and has never been late. Chase Bank never offered her the current lower rates and term stating that her loan amount was "too low" being 115.000 and she would need to borrow 300,000 to qualify for the current Fannie Mae rate. Chase Bank mixed up my mother's loan with a person in Texas, who was apparently late and my elderly mother received harassing phone calls from someone named "GiGi" demanding immediate payment. I called the bank and demanded a copy of her loan history to ensure that this mix-up and bungling by the bank did not affect her credit.

Last month, I made an online payment from my Chase account to Allstate (Car Insurance) and it showed that the payment was made, with a conformation number, etc. 3 weeks later, my insurance company send me a letter of a cancellation because they received the payment 14 days late when according to Chase it was made on time. I just changed insurance company a moved on thinking that Allstate had make a mistake.

Well, last Friday I made a payment from my checking account to a Credit Card from the same bank (Chase), I made the payment the 10th, it was due the 13th, the system showed that the payment was made on time with a confirmation number. Today I found out that I have a late fee charge from the Chase Credit card because they didn't received the payment on time, talking about the same bank, the money was taken from my checking account, showed confirmation and paid, and the same bank charged me with a late fee charge? Good thing that I check my account online every day, but what happening to people that doesn't pay attention to all those transaction? Really bad.

I applied for a refinance. On the phone the sales rep, Fritz **, explained to me that the closing costs would be $395, because my husband was a union member. Fees were waived and the appraisal was free. I had my home appraised in May of 2010 by Amalgamated Bank of Chicago and it came back at $270,000. Chase's appraiser appraised the property at $220,000. They told me they could not refinance at this time. Two days later, $395 was automatically debited from my account for an "application fee".

I called Mr. ** to ask why I was being charged when I didn't receive a refinance. Also, he did not explain the fee to me. He told me this was going to be the closing costs. He began to laugh at me and had an extremely flippant attitude towards my complaints. He said there was nothing he could do about it and it was in the paperwork. When I said you told me a different story on the phone, he couldn't seem to remember. When I asked that I wanted to hear the taped conversations, he said we were speaking on a line that wasn't taped. I've spoken with three managers about how horrible the customer service is. Everyone says "They aren't the ones who can give me my money back" and they keep referring me to more managers. I feel robbed. I feel like they tricked me into giving them $395.

After finding out about lower mortgage rate being offered, my husband and I contacted Chase Bank in Huntley IL. to inquire about the offer. Chase personnel said we could get a 4.5% rate and we should combine the car loan and house loan together and the calculation showed that we could decrease payment with the lower mortgage rate of 4.5%. So it was all agreed, and we paid the $350 application fee, and Chase sent us the official loan document dated July 23, 2010. We provided all requested information and allowed for home appraisal and Chase provided a conditional approval and closing date of 9/15 (today).

In the last three days before closing, Chase asked for additional information of which we provided and the last request on 9/13 for another document to be emailed to the personnel. On late 9/14 PM, Chase called that since the Chase personnel in-charge of this transaction were in a meeting all day and was not able to access /read the document that she requested to be emailed over. Chase said they had to cancel the meeting for 9/15 (today) but would expedite and arranged closing ASAP. We called today 9/15 to follow up and were told that due to closer inspection of the paper work, they are not able to provide us with refinance, unless if we lumped together the car loan, home loan, equity loan and American Express bill which then increase the mortgage to 2x the amount requested.

Our credit rating is around 800 and we always make prompt payment to credit cards and equity loans. It is now clear to us that Chase did not want to help consumers to get a lower mortgage rate on small loans. We find this practice to be deceptive and misleading since Chase should know early on if we were qualified. This surprise request on the day of planned closing to increase loan amount, and consolidating all of our other loans with Chase is an unethical business tactics to pressure consumers into their underhanded tactics with never the intention to help consumers to lower mortgage payment via lower mortgage rate.

This is a clear case of Chase using mortgage refinance as a bait and switch tactics so Chase can get all of our loans to their company. We also were asked to set up a bank account at Chase in this process when we were giving the sales pitch to move/consolidate our money from other banks to theirs.

We would have understood if Chase personnel had explained to us the qualification process and all the conditions for approval in the beginning of the refinance process. Either the personnel were so incompetent that they did not know what was required or they waited until the last day so the consumer will succumb to the pressure and give in to their unethical business tactics.

About 8 months ago, I left Chase Bank after being with Washington mutual for years. I dumped Chase Bank because I had with wamu $100.00 over draft meaning after $100.00 over my account was frozen. Then chase comes into the picture and all of a sudden it's up to $1000.00. After talking to 2 or 3 very rude people, I went to Chase Bank in my home town and thought I had it changed back to $100.00. Well, it never happened! So, I went to close my account and was told I had to wait 45 days.

A couple of months with $2 dollars and change. I thought, "Good, I can close it out now." Nope all of a sudden, I'm hit with an overdraft of more than $1000.00 which I have no idea what is going on. I talk to a guy from chase and ask why was Chase just handling money out on an account with only $2 dollars and change he couldn't answer. So, I asked him if I walked into a Chase Bank with what they say I owed as soon as I handed over the said money then could I close my account, right then.

He tells men "No, I have to wait 45 days or whatever Chase's policy is. I asked him what happens if the same thing happens again? He says, I shouldn't be giving out my account number. Now, I get a letter in the mail saying times almost up and if I don't contact them by a certain time they are going to close out my account, charge me $30.00 charge off fee and I won't be able to open an account with them or any other bank. I called this morning and got some lady that kept talking wouldn't let me talk so we got disconnected the next lady I talked to. I could not understand her and she hung up on me. Then, I got some guy who is supposed to e-mail me some papers, I can print out, fill out mail back to them. And being on a fixed income they still accused me of doing wrong. Chase Bank is one ** up bank.

On 8/23/10, I sent a letter on behalf of my mother to cancel her credit card with Chase Card Services. With the letter, I sent the card back along with a power of attorney that gives my brother and me authority on her financial affairs. However, the POA does not state anything to do with credit cards. Therefore, Chase will not cancel the credit card and wants payment of a $10 fee plus a dollar for late fees. The account has not been used in over a year. The problem I have is that my mother is 92 years old, living in an assisted living facility. She is diagnosed with Parkinson's and dementia and is unable to converse through speech or writing. We are also in the process of filing Medicaid. I called customer service but they said that I had to deal with the "correspondence" area, but that they do not have a phone number. This is also the same department that declined our request to cancel in the first place.

They have horrible customer service! Every time I call, I get transferred to someone else. No one knows anything and ultimately I am disconnected and/or hung up on. This company is unbelievable! I have paid on time each month by auto-draft and am being reported to the credit bureaus as late. I have been charged "fees" that no one can explain. I cannot get anyone to respond to me and it has been exhausting.

I opened a checking and savings account at Chase. The representative said a lot of things that were not true. She stated that I would not be charged on four non Chase ATM withdrawals a month, in which I was and I only made two withdrawals last month. Anyway, I agreed on automatic withdrawals of my mortgage from my checking account. I told the lady that I wanted the withdrawals to happen on the ninth of each month. Well, not only did they did not do it on the ninth, they did it on the first and they put a hold on my money.

They charged me overdraft fees twice. When I called them, they said that they would fix it. Last night I looked at my account. Not only did they not fix the problem, they put my account on hold for another week. So now I have seventy five dollars to pay the rest of my bills and to live on. They also never mentioned when I spoke to them two days ago that they would put a hold on my money. I regret ever going to Chase. They are rip-offs. It caused me stress and overdraft fees. And I feel that I was scammed.

I went to this because of suspicious activity was going on with my checking account. I was being charged for life lock for 2 years which I did not order and someone ordered the bank said credit reports were ordered which I did not. So, I went to the bank on July 7th, 2010 and Sandra ** opened a new account and closed the old one. Within 30 days, I became severely overdrawn and unable to pay the rest of my bills for the month and today is September 8, 2010. When she set up the new account and closed the old one, she said to call my three creditors who I have set up for automatic bill pay and let them know of my new acct. I did just that.

Well, a couple came through anyway because she failed to close that account and when I came back into the bank approx September 4, 2010, she said well, I tried to help you. She chuckled and sent me on my way. At this time I'm totally confused and angry about what's going on with my account. Today, I went to pay a bill and I was -$58.00. Now, I cannot pay the rest of my bills because of this. I went to another branch and spoke with Cynthia at the 35th avenue and Northern branch. She looked over my account and said I should send you back to your branch because she did not close your old account which is why you are having this problem. She figured out the problem and reversed some of these charges until further investigation on some other transactions.

Cynthia told me to come back in the morning and she will fix everything the way it supposes to be. I then left that branch and went back to my branch and asked to speak to the manager to let them know I am filing a complaint due to their negligence. I am unable to pay the rest of my bills for the month. I am on a fixed income and cannot afford this. I spoke with the assist manager by the name of Patty **. When Sandra saw me come in she pulled Patty to the side and spoke with her before I did. I explained to Patty what Sandra did and asked her to give me the name of the proper authorities to put in a complaint on Sandra. She said she did not know who that would be. I said you work here and you don't know? She said no I don't.

When I called her on it again she to contact Robyn **. I said who is she, what is her title? She said she is an administrative assistant. I said what? An admin assistant? Never mind I will find out via internet and I left. I don't know how I'm going to get through the rest of the month with my bills and I am so upset. I feel this was intentional and I don't know why. Eva ** is the manager of my branch on 19th Ave and Bethany home. When she sent me to Sandra to straighten out my problem she stated that Sandra was the best at what she does and that I would leave the bank with my problem straighten out because she was good at what she does. When I left the bank on July 7, 2010. I thought that account was closed and my problem all fixed. This is wrong, wrong, wrong and I feel it was intentional. I appreciate your investigation into this terrible situation and I hope this does not happen to anyone else.

On Saturday, 9/4/10, I got a text saying my account was overdrawn. I paid a bill in the amount of $175. The 2 checks I deposited on 9/3 were over $500 and the Chase check was $300. Apparently between 5 pm Friday and 7 am Saturday they chose to put a hold on both checks and not release any of the amounts of the checks.

I called and was told that this is policy and it didn't matter if my check was a payroll check or not. In the meantime, I believe my payment of $175 failed because of the hold. When I set up this account, there was no mention made of any hold on any checks. I personally think this is fraud and will be closing this account as soon as this check clears. I was also told by the local branch that my payroll check would be available the next day 9/3. This was a boldface lie. I had a return payment for a bill in the amount of $175 and an entire holiday weekend with no funds because they were holding my payroll check.

I had a law suit in 2002 and all my children were left some money when they reach the age of 18. At the time, it was Washington Mutual. I never had problems until it was my son's money and their account. They will not release this money. We have provided all legal documents they requested. We even got the court order and still won't release my son's money. Can somebody help me with complaint?

I used a Chase checking account for a year, and now Chase closed my account on August 12, 2010. I called customer service for the reason why my account has to be closed. They did not give me any reason. I am a student and I don't have extra money to pay for rent, some other bills. I therefore requested them to release the balance I still have in my account. They said, the check will be sent to me within ten days.

I asked them to make sure that if the bank will really send a check to me within ten days. I said, "Thank you so much. I really need money to pay my bills." They said that I will surely get the check before ten days. The date they promised me was on August 12, 2010. But I don't get a check until today August 31, 2010. I am now in troubles for paying my bill. I called the Chase customer service and I realized that many of the Chase customer service representatives are not polite, and some of them are so rude and unhelpful.

I just mentioned that what they told me for getting a check within ten days from August 12, 2010. The representative said, she was sorry that they never surely tell the customers for what exactly is gonna be happened. Therefore she can't tell how long they are going to hold my balance. I am in a very difficult situation to pay my bills. I don't even have money to buy my regular food. It affects me to survive. It really, really makes me upset. I have an outstanding balance at school. Without paying that first, I can't register for this fall. This unnecessary problem given by Chase really affects my life.

My sister was in the hospital and had an account with Chase Bank. For 6 months, she laid in ICU. She died on 07-25-2010. I went to the court on 08-03-2010 to get small estate over her account because the money she had would cover her funeral. I went to Chase (Fenkell & Grand River) with the judge signing a small estate over her account to be paid in full. Chase Bank would not give me information and gave me the run around because later, myself and her oldest daughter went to Chase Bank downtown in Detroit, MI and found out they let a young lady, I did not know, with notarized papers to be duo-power of attorney and she took all the money out the bank account. The bank then explained because my sister could not talk, that the nurse who is the notarizer at the hospital gave this woman notarized papers to be able to access the account at the bank.

I went to Sini Grace Hospital, me and my niece, and we found out the paper they had was the wrong paper and account number was wrong so Chase Bank took it upon themselves to put the right account number and then told me that they knew something was wrong because they could not find the I.D. of my sister and then the people hit every bank until they took all the money out of her Chase Banking account. The bank managers were very rude and I know the money was in there and the first thing they ask was how do you know about her banking account and I told them I used to bring her to the bank to pay her bill. She said, "Well, why didn't u come earlier to check her bank account." And I explained to her, I thought her money was safe. if I would have known the bank was going to let someone come in and take all her money, I would have moved her to another bank.

I need to know what to do because that was wrong for Chase Bank to let this young lady come in and rob my sister like they did and I am in debt now for paying her funeral arrangement expenses when the money was in there to get her a house when she got better or pay for her funeral I need to know what course of action can I take to retrieve the money that was taken so that I can pay off the funeral bill.

In June of 2010 at about 3, I discovered some unauthorized debits to our checking account and had some identity theft. I met with personal banker, Ed **, to first freeze and then close our checking account to stop any unauthorized withdrawals. I had to go to the police department to file a police report against the companies trying to debit our account. Ed said he needed the police reports to file a claim with the recovery department. When Ed froze our account, it was overdrawn by $755.00, due to attempted unauthorized withdrawals. But the debits were sent back to the companies' insufficient funds and the companies received no money from our account. I even received emails from these companies stating that their attempted withdrawal to our account (which were not authorized by us) were returned as insufficient funds. So no one got any money from our account.

Apparently, when Ed froze the account at -$755.00, he or the bank failed to bring the balance to its proper amount which should have been -$117.00 due to overdraft fees. We saw this and wrote to Chase through our internet account, that the balance was wrong, that we would pay the fees of $117.00 out of the new checking account we opened and the fees were deducted. When next I checked our account, it was at a negative balance of -$618.00, which was still wrong! I contacted the bank by phone and was told it would be taken care of. Well on August 12, 2010, the Chase bank took $638.24 from our new account labeling it miscellaneous debit.

I called Ed **, our personal banker, about this and he said he would look into it. When I called him about it the next day, he said the bank was telling him that they took the money because our old account closed at a negative balance and that they paid the money to those unauthorized companies, which they did not! I even called those companies and they said they never received a penny from Chase from our account that their attempted debits came back insufficient funds. Chase made the mistake of not bringing the balance of our closed account to zero as they should have when it was closed and we paid the fees. They still insisted that they took that money because they paid those companies, which they did not! This debit took my entire pay check this week and caused 4 overdrafts that they charged us $34.00 each for. They still are refusing to pay us back anything even though we followed their procedures to the letter. We would like to make a complaint and claim against Chase bank for the unlawful taking of our money.

My friend told me that he opened a Chase checking account and they gave him $100, so I was interested and went to open an account that week. I told the banker I was coming for that reason, he asked me some questions and decided to set up a college checking account and a credit card and told me I could bring in my coupon within 30 days for the $100 reward. I go back to a different location and gave the banker the coupon. He told me that the offer was not good for a college checking account and that I had to change it to a standard checking account in order to use the coupon. He told me there was a $6 charge if I didn't have direct deposit or use the card 6 times within a billing period. I agreed and he changed the account.

I got a call from the original banker a few days later and he told me that he was wrong and he apologized and he told me he was wrong about the 30 days and it was really 7 days. A few weeks later, I call to tell him that I didn't receive the credit card and that I received an email that I would be billed $25 dollars a year. This was the first I heard of this, but maybe it was in fine print somewhere. I called and he was with a customer so I left a message. I didn't get a call back so I call again a few days later and he's in training. So he called me back the next day and he explains the situation. Overall I've wasted probably 6 hours in the bank and talking to bankers. I plan to cancel the card as soon after I get my $100 as I can. Hopefully there won't be anymore hidden fees before then.

On 08/13/2010, $57000.00 was transferred to my bank account. But three weeks ago, my very rich boyfriend from Russia wanted to make me some surprise. I thought that all those money was his surprise. I took $2000.00 from my account. But on 08/16/2010, the manager from Chase Bank, Bill **, contacted me and I returned all the money. But only $2000.00 cash remained in my account (my boss gave me empty payoff check and went for vacation). I don't have money in my account and I used this $2000.00 cash on my vacation in Upstate NY where I now stay. I explained it to Bill **.

Moreover, Chase charges fee every day. Bill ** told me that I needed to return $2000.00 because this is problem for me. But I didn't steal this money. It was in my account. Chase bank did a big trouble for me. But I will be back from my vacation on 08/21/2010. It will be Saturday and Chase bank is open till 3 pm. I told the manager that he can cover $2000.00 by some of their coverages. Please help me. I can't sleep. My blood pressure is very high. I can't lower it. My hand is shaking and I have palpitation on my vacation. My family is nervous too. I have problem with my budget. I need to return the money.

We are on all opt-out-of-mailing lists. We are on all opt-out-of-credit-card-offer lists. However, for 4 years, Chase Manhattan Bank, with which we have never had a relationship, has incessantly sent us pre-approved this and that, bank offers, mailings, etc. We have phoned every Chase customer service/privacy/opt out number. Every Chase person has assured us that we'd be removed from lists and yet the mailings continue to come. I have even visited my local Chase where they took all my information and promised I'd be removed. I have not faith that they will follow through.

Not only do my husband and I received Chase offers, but my daughter (who hasn't lived here in 3 years) also gets Chase mailings. In addition, trying to actually contact a human at Chase seems just about impossible. I wouldn't do business with Chase Manhattan Bank if my life depended on it.

Chase lost about $6,000+ of my money. I transferred $5,000 Euros from the bank in Germany to my Chase USA account. I have the transfer trace from Germany to the border into Chase hands. Well, guess what, Chase lost it and can't find it and they have no idea what, why or how. They also signed me up for a credit card to cover any checks that may go through and bounce now that the money disappeared. I didn't know this was a credit card and I didn't know that I could be denied. They just said sign here and we will have a credit line of this missing amount linked to your account to pull overdrafts from until they can find the money. Well guess what, I was denied the next day. Um Denied? Now I have another inquiry on my credit report.

I fly from Germany to Utah and drove to California and spent a lot of money to pick out a house, put money on lease, sign children up for school, get utilities turned on, mapped out routes for new job transfer, signed lease and everything bounced because the bank account was empty instead of over $6,000. One week later, still nothing even though I have faxed them the trace papers and all proof that it has been sent to them and lost by them.

Chase bank cashed a check that was stolen and altered. It was stolen and altered for $1400.00. The check had no name and no date. But chase allowed someone to get the cash.

Last year in 2009, I was being overcharged on a daily charge 3 times at $33.00 each for the same transaction and stolen of my direct deposit pay check for about 3 or 4 months, until I stopped the direct deposit. I finally read their terms and conditions, and it stated they can charge whatever they want. Another thing, I would go online or to the ATM machine and my balances were in the green, then my statement would rearrange the charges and dates they were processed and put my accounts in the red showing NSF. I spoke with them and they did nothing.

I made a deposit for $1500.00 on August 3, 2010. The bank deposited it as only $500.00. I have contacted them 4 times and each time the person on the phone told me different information. The correction still has not been made and it is 8 days later. Clearly, the people I was speaking with on the phone were overseas and had a difficult time with the language and made mistakes while speaking and gathering the information I was relaying, including the amount that was in error. During this difficult time of financial strain, to have an error of $1000 puts me in a situation when bills need to be paid and yet I do not have the money available to me because of their error. This will result in late payments on my side and with no consequence to them.

Recently, $20 was just taken out of my account for a line of credit yearly fee. I have had this line of credit since 1998. I don't ever remember getting a notice or paying a previous yearly fee. I called customer service to have this fee credited back to my account and to stop my line of credit. I was told twice that the fee couldn't be credited to my account. This is the usual subpar customer service that is standard with Chevy Chase. Perhaps they are taking the money and running or it is due to the buyout by Capitol One. I am leaving all banks for good and putting all of my money into a credit union.

As a non-Chase Bank client (I do not bank with Chase), I was charged $6.00 for cashing a Chase Bank check. The check was for $95 I received $89. I felt I was robbed. I received less for my work. I was taken advantaged by this bank.

Every debit card transaction I have ever made was immediately posted on my account as "pending transaction." On 8/3/10, my account had more than $100 in it with NO pending transactions. So I paid two online bills with the rest of the money (this is a secondary checking account). The next day, I was hit with two insufficient funds fees of $35 each (I do not have overdraft protection).

All of the sudden several other transactions showed up as fully paid, not pending. They never were shown as pending. I have contacted Chase three times to complain about these two unsavory practices, but they blamed the merchants and that my opting out of overdraft protection did not apply to paying online bills. I do not mind paying the bills, but I have told them I do not want to pay the fees, and each day this goes on they are closer to adding more fees because the account is in the red.

I changed my phone number almost 1 year ago. The first 2 months was fine as I went through the trouble of changing my number with everyone and everything that is associated with me and my family. After 2 months, I started receiving calls from Chase Bank by first a recorded machine and then by a live person. They called 6-8 times a day for about 2 weeks. I was polite at first and then became mad and then hostile. They were looking for some Hispanic person that apparently knew he would not be making his payments and changed his number. I have been to Chase in person despite that I am totally disabled and require several people to assist me.

They stopped calling for about 2 weeks and then around the 5th of every month, I am still being bombarded by them. I put on call blocking through the phone and am limited to only blocking 10 numbers. They have too many to block! So then I changed my phone (cell) to only accept calls from people on my name list saved on my phone, and they still were able to leave 10+ messages each day. They do not show up as to whom the messages are from until played. They also do not show up on phone bill records either so I changed it back to maintain proof of the calls made both ways. The phone company said that I could change my number but I could have the same thing happen again. I first got several calls from collectors but Chase is the only ones that continually call. When I call them often to try to find a competent person, they say that my phone number is not tied to any of their accounts. Also, why should I have to change just because of one stupid bank that can't get it through their pea brain heads that I am not the Hispanic person they seek!

I am in agreement with the way the account reads. It changes and is confusing 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 have just finished transferring all of my accounts to my credit union. I have had over $500 in fees since they've taken over WAMU. I've tried keeping track by keeping an excel spreadsheet but like I said the way things move you never know where something has gone or which transaction has left.

I recently called to ask why my account was up $200 and they said that if a vendor doesn't run the transaction after 5 days they credit the money back to your account. Can you imagine? I used debit not credit so things would automatically hit my account and I could have an accurate account of my money. I never had this problem with WAMU. So far my credit union isn't playing switcharoo with my transactions and I can easily keep track. Bye-bye Chase.

Chase keeps calling our business phone to ask for an employee who has not worked here since October 2007 which we explained to them. When they continued to call every day, we asked them to remove the number from their records. They continue to call everyday and when I ask to talk to a manager, Melissa told me no! When I hung up and called the caller ID number listed above and got a Chase representative on the phone who was Marcie, I was again told that I could not speak to a manager without a customer account number?

Are we supposed to answer their calls all day every day until they decide that they will no longer call? Frustrating to say the least that I cannot even get in touch with a manager! I'm glad to know that I do business with Chase as I never will! My employees get to answer our business line every day and tried to explain to each person calling from the same business (Chase) that the employee they are trying to contact no longer works here and hasn't for the past near three years.

First off, the women in the La Quinta Ca office favor men over women. When I tried to deposit a check with both my and my husband's name they refused unless he was there. But cashed a tax return check with both my and my husband's name on it with out me there. The real issue is that my spouse usually gets his check on the 30th or 31st of the month the funds are usually available the next day. However, he signed up for direct deposit, he was told the funds were available so he wrote me a check for my own account which was to pay bills and electronic payments just like we've done every month for the last few years. I deposit the check into the ATM at the end of that day.

The next morning we discovered my husband's funds were still in his account and the bank returned the check. Yet, I still had the funds in my account. My husband walked into the bank to find out why this was happening. He was told the check was returned because the funds were not available so they went back and forth and pointed out the employee who said the funds were available through direct deposit. He said there was nothing he could do. Since the bank claimed the funds would stay in his account, my husband took out money and made a cash deposit into my account. He then decided the first deposit may not have been enough and deposited a 2nd deposit into my account all within minutes of each other.

The next day the funds were no longer pending and was cleared in my account and said all the money was available. I freaked out because I just finished paying bills from my husbands account so I called Chase customer service. Reggie told me my account was fine, the check cleared. He asked me for my husband's account information, checked his account and said my account was fine. My husband's account was negative and would have to be fixed and he would wave any fees because it looked like the system missed half a day, whatever that means. He then gave me his employee ID number, and a confirmation number in case there was another issue they could just look it up and remove any fees if the system didn't do it automatically.

So I rushed to the bank to withdraw funds to cover the bills going through my husband's account and got a cashiers check for my rent. Everything seemed to be okay. Only it was far from it. I checked my account this morning to find my account negative over 2 grand saying the check was returned and was not in pending status. And get this, the cash deposits were nowhere to be found.

I called the customer service number and asked for the employee I spoke to said I have an employee ID number and a confirmation number. The guy was mean and didn't want to hear it. He said, "I can't transfer you so tell me what going on." So I went through the whole thing again. Now it's been 4 days later and no one cares. He checked my husband's account and said the funds were there so he didn't understand why it was returned "today". He put me on hold and said this manager doesn't understand why it was returned because the funds are still there.

He then asked me to hold while he spoke to another department came back on the line and said it's because the funds were not available when I cashed the check. I said yes they were. We went back and forth. I have print outs from my account deposit slips everything. I even asked him to clarify why my cash deposits were missing he couldn't explain it and said have him write me another check and deposit it into my account again and it should clear.

I then called back to make sure my cashiers check was going to clear okay. The lady named Ronda was nice and tried to help me. I told her what happened, she said she was going to ask another department if they could run it through again, and they said no. So she told me to go withdraw the money and deposit it into my account since it was an error on their behalf, they will make sure to wave any fees fees. At this point I don't believe anything they say, and after talking to my lawyer, it sound like they just care about recovering the 2 grand that's negative in my account. But no one knows where my 2 deposits vanished. I'm done with Chase, and advised my husband to leave as well. I have accounts that have bounced because the payments didn't go through as well as fees. I will not only have to pay the bank but each person whose payment didn't go through.

After receiving my money out of a cash machine, I walked away counting my money with my card still in the machine. I was eager to pay some bills. My money was late because for some reason I don't know it took 6 extra days for my money to be authorized. The machines should give you the card back first, the money lastno one is going leave without the money. Credit card companies charge for replacing cards.

When I returned to the bank the next day, I talked to the teller who informed me she cut my card up. It's their policy. So I had to wait 6 days for a credit card to pull out money that showed up that day. When I received my card through the mail, I activated it and I went to the cash machine and was unable to take my money out. I called the number on the card and was told by a recording the wait is over 10 minutes. After over an hour, still no human contact with the message playing over and over, lying to me and saying I'm going to talk to someone soon. I hung up. I did this twice that day using up over 120 cell minutes.

On August10, 2009, I complained to OCC regarding Chase overdraft gouging fees for $363 and withdrew from my business account of $100.20 without my authorization. The problem was not resolved. On June7, 2010, I reopened the case again at the OCC. Chase refused to respond. Instead, Chase found the way to revenge by reporting to the ChexSystem and the Credit Report Agencies. Thanks.

While going to college my daughter took a student loan from Chase and I was the co-signer. Not that she is out of college she is still unemployed and was not able to make a payment. Her loan was 120 days behind. Chase went ahead and withdrew $9,500 from personal account with out notifying me or asking my permission which I think is not the way to do the business. I had that money to pay my monthly mortgage but now I am unable pay my mortgage. Need your help to provide me what can be done to protect my personal finance.

Since starting our account at Chase Bank, we were erroneously charged the first month; a service when a saving account is to accrue interest and increase its value. I have contacted Chase repeatedly were they acknowledged the complaint, but will not credit back the charge. This month, I insisted and told them I would seek federal assistance and notify a Consumer Fraud Agency, but they did the same thing. They charged my account, it went under the $300 minimum and so they say we owe them the fee.

I replenished the $5, the balance went back up to $300. They again charged me the service fee. In truth, my saving interest is zero. No interest accrual because they continue to charge me $5 a month, that is $72 a year to a saving account that pays 1%. This is truly fraudulent service charge, continued harassment by the customer service reps and a continued gouging of the American citizen.

I am writing about the Chase bank account for a licensed Michigan adoption agency, with a credit line of $28,000. In February 2010, a statement showed the balance as $303.33. The balance payment was due by 3/23/2010. It was paid in full and was posted on 3/22/10. The March statement, however, showed a balance of $3.85 as a "charged interest". I called the bank to dispute it on 4/19/10. A bank representative offered to waive it for me as a courtesy and told me that it brings my account balance to $0.00.

Today, on 7/28/2010, I learned that on 07/23/2010, the bank closed this account for the reason that I did not pay the interest of $3.85, which according to my knowledge was waived. Jason, a supervisor in charge, offered to reinstate the account today and send me a confirmation letter by fax. I did not receive a letter and called the bank again. This time I spoke with Stephany, who explained that there's no record of me talking to Jason and that the interest of $3.85 has never been waived and that there's also no record of me discussing this interest on 4/19/10.

Chase Bank will tell you great things up front and then take advantage of you. Don't sign anything at a Chase Bank until you have read all the fine print. They will smile and tell you anything you want to hear. Once you're hooked, interest rates may skyrocket to 25% or more. Penalties will be assessed for early payoff on loans, no matter what they tell you.

Whether you are dealing with them in person on loans, on the telephone on credit cards, in person on credit cards, any time, they will tell you it's okay and then take full advantage of all interest hikes, payment penalties, maximum allowable time for transactions and any other thing that is in the fine print that they can use to take your money or keep you tied to credit you can't afford.

I paid a loan off for a horse trailer early that I was told I could do without penalty when I signed it. They charged me a penalty when I paid it off and told me since I didn't call that day to get the full amount, there was still a balance of around $100. So the best thing to do would be to let the auto deduct continue on the next cycle and pull the $362 or so dollars. Then the loan would be paid in full and they would send me a check for the difference within 21 days. I went into the bank and paid the banker on June 28th, the last automatic deduct came out of my check on July 1.

It's now July 26th and I just got a thank you letter for paying off the loan and a bill for $38.00 for interest accrued on a Chase credit card account I closed and paid in full last month. When I go in the bank the banker says nobody can do anything, the check must be in the mail. When I call on the phone it's always somebody else's department. Today I called Chase, told them they were dishonest and I wanted a name and phone number for a responsible person for all Chase Bank operations. I was told there is no such person. No basis for a law suit, just do not do business with Chase Bank.

It appears that Chase Bank reversed a large deposit I made at their ATM because of the lack of an endorsement. They then proceeded to send the check back via slow snail mail. The deposit was made on a Friday, the rejection made on a Monday, and now it is Wednesday, and I still do not have the check back. Hence I could not even endorse it properly, if required, and re-deposit the check.

This appears to be an attempt by the Chase bank to generate check overdraft fees. There is no reason why an automated phone call couldn't have been made to resolve the issue.

During the winter, Chase Bank began using the number 866----- in a mail out to their customers offering overdraft coverage. We have been using 800------ for our customers for over 30 years. Chase's customers apparently can't tell the difference because we have periodically been bombarded with phone calls as a result of these mail outs. I have contacted both my senators and my representative regarding this. I called the executive office of Chase about this, I filed a complaint with the OCC about this.

Basically, Chase takes the position that it's not their problem. In June, they wrote me a letter stating that it's not their problem. So, I have been giving the executive number to their customers and they are now also being bombarded with calls from their customers. They are calling us and asking us to do something about this. Our answer is and has been from the beginning that they should use a different number. Perhaps they should use one of the 800 number of which they surely have many for these mail outs.

I have an automatic withdrawal for my car insurance. Chase did not allow the payment to be posted which is fine, but they still charged me $34 for the payment trying to come out and then another $15 extended overdraft fee. This is the first time they have charged a $15 fee. Not sure what that is for. These banks have gone mad with all of their fees. I get charged $2 if I even check my balance at another bank. This needs to stop. Instead of just returning the charges and ending it there, I now have lost $83 which is ridiculous, when all they did was return the payment for insufficient funds.

I asked to speak to someone in the United States as told repeatedly no one was available on several different days. Unable to obtain information about my loan thus foreclosure has begun.

Since 6/30/10, Chase representatives have called my cell phone 72 times, despite being asked verbally and in writing to cease and desist. As they have instructed me, I have emailed and faxed over three letters asking that they stop calling. In addition to the excessive number of calls, they very often will leave a message and continue calling that same day. When I have been available to talk to them on the phone, they either have hung up on me or ignored my issues with the continued calls.

I dealt with my local bank because trying to work with the New York office was futile. Therefore, my complaint is the national office that works with mortgages. I received notices that I was a payment behind. This was inaccurate. But the customer service lines, the people I talked with online, all insisted that I was missing a mortgage payment. I had a little over $3000 to go on my mortgage and they sent me a letter of foreclosure and notice that they were going to report me to the Credit Bureau. The local Personal Banker in Spokane tried to work with the NY office to clear up the matter but was unsuccessful for months. Finally, he printed out all the mortgage information and determined that the Mortgage Division had misapplied one of my payments.

The New York Mortgage division is incompetent, petty, and dangerous to people who have mortgages with them. The last item was a letter from them freezing my Home Equity loan (my mortgage is now paid off) because of "your payment history with us." Once again, I called and they said it was derogatory information they had received from a credit agency. In fact, my credit is excellent and the agency had no such information nor had they contacted Chase with the information. My payment history with Chase is just as good except for their incompetence which damages my credit history.

Chase has sent a 1099-C and it was filed with my 2009 taxes. Now they are reporting to the credit bureau that I still owe the debt. Are they double-dipping? They have not offered a settlement, just wrote off the debt and now reporting it unpaid. I am unable to get a credit score that will allow me to refinance my home so I can pay my debts.

I lost my job 8 months ago and have been living on unemployment. Cashing roughly the same check every two weeks at my home bank. I started with Washington Mutual but changed over to Chase at some point.

I never had a problem when $60k was flowing through my account but when UE checks were going through, I noticed they sure liked holding on to that cash and sticking you in the back with Overdraft fees whenever possible. Even on several $1 transactions! Fast forward- 4th July weekend. I dropped a check to Chase bank in Lompoc California on Saturday before the holiday weekend. They would not release any of the funds until next business day which was after The 4th of July! I was supposed to visit family! They branch manager was a snobby witch named "Stephanie" who seemed to enjoy denying the funds citing bank policy over and over again.

Furious I had words with her as I left. No threats just some choice words for her to enjoy the start of her 4th July as mine was now screwed. As I drove to my hometown and now out of state, I stopped into another Chase Bank having a "Grand Opening" inside a store and asked to speak with a branch manager and explained the situation. After time and on the phone with customer service the nice lady reversed the witchy manager of my home town and gave me $500. Problem solved or so I thought.

Stephanie wasn't to be so easily undone. As the funds came into my account, I made a few purchases when a text message from Chase alerted me to a debit transaction of $999,999.99! Stephanie **. Had my account closed and funds seized (at least at this time) and all because this evil ** wanted to have her way. I could tell that she actually enjoyed citing regulation and the thought of ruining my holiday weekend. I hate Chase Bank. They are fine when you are up but evil in business. Positively the worse bank I have ever dealt with. Do not do business with them! Go somewhere else.

These are unbelievable Chase Bank practices. 1) The deposit made on June 24 was held nine days until July 3. Payor (LPL Investments) confirmed that funds were transferred the next day, June 25. 2) Today, Chase Visa declined. Chase customer service explained a payment made 2 days ago (July 5) from a Chase checking account with available (not pending) funds being held until July 13!

This is inexplicable, egregious behavior. I have to stop here before profanities begin.... There's $845 of unusable cash money in the bank being held in Chase cyberspace, not to mention emotional distress! That is after $15,000 of unusable funds in Chase cyberspace for 9 days!

I received a check from my university, which I won't name here. This was for a Federal Pell Grant for financial assistance, as I am in good standing with a 3.5 GPA. The check was drawn on Chase Bank. The amount is really irrelevant, but here is the scenario. I walked into the financial institution, fully expecting that with valid ID, I would have the badly needed funds to get caught up on items that the money was alloted for. I first approached the teller as he indicated he could assist me. His very first question was did I have an account? Fair enough, I answered "no, I just need to cash this check" which is a Pell Grant through my university but in essence, a Federal Grant. I immediately provided my ID, which consisted of my valid California Driver's license and my Social Security Card.

I was then informed that I would need another form of picture ID or a credit card from another bank. I explained to the gentleman that I am a student (I even had all the paperwork that accompanied the check), I rent a room from folks and have no bank accounts or utilities in my own name as this was another option. Frustrated, I asked to speak to the branch manager. Although cordial, he went over several options with me that all made no sense whatsoever. He then asked my age, I confirmed 52 years of age. He then stated that if I was a senior citizen at 55, they would be able to cash my check with the ID I had available. I am not sure what this country is coming to when a bank refuses to cash their own check with ridiculous stipulations that are imposed based on a three year variance in age?

Bottom line here for me is that I politely took my check and informed the manager that not only would I explain to all the inhumanity of this bank, but complain to all, via the internet, as to warn people to shun this financial fiasco that does not honor their own paper without senseless criteria. The economic damage here is that I will have to cash this desperately needed financial aid via a retail "check cashing" outlet that will, no doubt, charge me $60.00-$80.00 of the funds I need for school and accommodation. Not to mention, the dissolution about our whole banking system here in the US. I would welcome to be part of any class action lawsuits that are in place regarding this criminal enterprise.

I have had financial difficulties and I have not been able to pay my chase credit card, which has a minimum payment of $300. I have paid my home equity loan and my United Mileage cards with no problem because the payments are a lot lower. However, yesterday, I found out that my bank suspended my line of credit on my equity loan, even though that payment was always made on time. I also found out that United Mileage cancelled my credit card and that payment was also on time.

I cannot understand why Chase cancelled two of my other accounts because one was delinquent. Chase ** in plain English. They do not work with you, the reps are real real rude and all they tell you is, you're delinquent on one card it affects all your cards. Chase has since put a lawsuit on my big account for $1,180.00 to catch me up. That's excluding the $300 or so monthly payment I will have to pay for the rest of my natural life sine I am 71 years old. Other companies work with you as hardship cases due to this economy and give you lower payments and lower interest rates. Not Chase. I bank there and I am seriously thinking of pulling all my accounts and putting them in another bank. I agree with the party that said, Chase should go under. I will never never open another Chase card again. Since Obama bailed them out, they got worse and worse and the American people are suffering tremendously.

In 2008 I rented a safe deposit box with WAMU on the basis that it was paid annually with an automatic deduction from my checking account of $50. Then, in 2009 I decided to cancel the safe deposit box with now Chase Manhattan Bank. I went into the branch approximately 1 1/2 months before the deduction was to occur and cancelled the rental of the safe deposit box. The account manager took my keys and had me sign a piece of paper stating I no longer wanted the box. When renewal time came around, I saw that my checking account was deducted $50 for the box.

I called the branch and told them that I had cancelled the rental of the box. They proceeded to tell me that the deduction comes from another company and basically gave me the run around. This went on for about 2 months until I finally yelled at the branch manager and said you assured me this would not happen and I think Chase has enough money to put back the $50 they owe me. After I got upset I noticed the money was put into my account.

Now, in June of 2010, I have received a letter indicating I owe for this year's rental of the box. When does this stop? It has been a year since I have rented that box and they are charging me? I called the branch today and of course conveniently all managers are not available and in a meeting. I left my phone number and no one has called me all day. I also called the 800 number for Chase who said I had to talk to the branch I opened the box at. I told them I want someone in-charge in their corporate office to alert them of the lack of attention to this matter and the fact that no one is doing their job properly. They could not give me a proper phone number until I asked for a supervisor who gave me the district manager's phone number. I called him today and left a detailed message with my phone number to the surprise again of no return phone call. What does one have to do to get an issue resolved with one of the largest banks of America?

I have been a loyal Chase customer for 5 years now. I have three checking accounts, two savings accounts, an auto loan, a home mortgage and two IRA's. I have never been late on any of my payments and I have direct deposit set up. On June 27, 2010, I applied for a Chase freedom card and was denied for some as yet unknown reason. I then applied to Capitol One bank and was approved on the same day. It seems that Chase just talks about wanting new customers. As I checked my credit reports and both banks used the same reports, I guess loyalty to a bank just goes one way. But anyway I have decided to explore my options with all of my accounts and mortgage as they don't seem to care about me as a customer. Maybe Capital One would like the extra business. And no, I have never even been inside a Capital One bank and have no banking relationship with them.

This bank is so inconsistent with service fees. They will charge 34.00 for a 3.00 transaction that causes an overdraw. however, the charge will still be in pending status. this is for a college student account! how can a college student afford these fees!

I posted at this site on 5.21.2010 regarding Chase charging me a $39 late fee for a payment made on 5.16 but not processed until 5.20 which was 1 day later than the stated due date of 5.19. I closed my account with Chase after going rounds with them. Bottom line was they said my payment was late because it goes by the date Chase processes payment and not by the date you paid.

So here is why I am writing again, I am looking at my final statement from them that I just received today, and I quote "Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may pay a $39 late fee and your APRs will be subject to increase..." Well my fellow friends, it states the payment must be received, nowhere does it say 'payment must be processed' Chase is just a bunch of thieves...if there are any lawyers reading this, PLEASE start a class action lawsuit so that I may join in. Thank you.

My account with Chase was a victim of fraudulent activities from 6/01/2010 to 6/14/2010 which was the day I found out that someone was withdrawing cash from ,y account through non-chase ATM's and using it to also make a large quantity of purchases throughout Southern California. When filling out the claim form, it asked if I have allowed another individual to ever use my card in which I said yes, because I have allowed my girlfriend in the past when we lived together to use my card very occasionally during emergency situations. I stated this because my naivety led me to believe that I could be of assistance with their investigation so that they may find the culprit responsible not so that they can use it as a means to decline my claim. Although I did not state the time period when I have let her use it, it was roughly 6 years ago when we lived together and I have lost and gone through numerous cards and just recently received a new card from Chase. Nobody has used my current card nor has it ever left my possession.

When examining my statement, there were numerous transactions in various areas throughout Southern California which many were processed the same day but in completely different regions (i.e. Los Angeles and Riverside). Also, 2 checks were deposited into my account through a direct Chase ATM location that were immediately credited and available for withdrawal and also gave the illusion that all my funds were intact. They were later found to be fraudulent checks and at least one of them was an altered check as stated in my statement. Never did I receive a phone call or an email notifying me nor did they block my account. I find it ridiculous that checks can be deposited through a branch ATM only later to be found that it was not a legitimate check yet they do not find any suspicion nor do they at least temporarily block my account until inquiring about them.

Also, the constant erratic pattern of usage and deposits was so uncharacteristic of my spending history that that also should have been a possible red flag. Not once did I receive any kind of notice and all along, because of the false deposits, I did not notice anything unusual. I do not know how this person(s) learned of my card and PIN, but that is irrelevant. I can fully prove that I was not the person making these withdrawals and purchases. If and since they are using the fact that I have let my girlfriend use my card in the past (maybe 2-3 times over 5 years ago and not the current card), I can also prove it was not her that made any of the withdrawals or purchases either.

I also conveyed my willingness to cooperate with any aspect of their investigation but they continue to refuse. I am not sure what to do at this point. Is there something I can do legally? Any help would be much appreciated and I am willing to take any legal actions necessary. I have read the Electronic Transfer Funds Act because of this and it states that the burden should be upon the financial institution and not the customer.

I am currently $2,347 over my balance, I cannot pay any of my bills including car payments, rent and school loan payments and Chase's lack of assistance is causing me to believe that my money is not safe although that is a big part of the reason why we deposit our money into a bank in the first place.

Chase bank told me I could buy a money order with no fees, I signed something that said there were no fees, and then they charged me $33 in fees and over $100 in early payment opportunity loss. When I complained, both Chase corporate and Chase locations said "Chase Bank locations are not connected with Chase Bank and any representations they make are not on behalf of Chase." What? Terrible business practice and lie if you ask me. If I only I cared enough about $133 to sue.

I have been a customer with chase bank for 15 yrs. Recently my account was closed I have called customer service and they directed to the fraud dept. which they explain to me that my was closed, I asked why and I was told they couldn't discuss that with me that I would recieve a letter in the mail stating my account is closed. All of this after my account was intially closed. (NO EXPLANATION WHAT SO EVER)

On Friday June 19 I recieved a letter from Chase advising me that they have closed my account due to over the limit.I recieved a call in March by associate who advised me then of the account being over the limit and I explained that I had been in a accident and right now not even my mortgage had been paid and the accident was in Feb she aqdvised would notated that on acct and then this letter came I had been paying at least the minpay even when I had to borrow the funds to show "Good Faith" the issue I have is that I used to work for Chase had 18 yrs of service until they sold the potofolio to Etrade and that is how long I was holding that card and it was my card of choice. I called today 062110 and asked for the address to the Office of the President/CEO and the associate hung-up on me and when I called back the next associate did not know it and then finally gave me the customer service address. I explained that I now work for another bank so I can obtain the address to send a complaint,but I want that card re-opened

Operator stated that we will continue to get letters demanding information we do not possess, that Chase is supposed to keep records on, if we don't give them what they want. Shouldn't Chase be contacting offical offices for verification of 911 changes, since it was not us who made the change?

Excited about opening up a business account with Chase, we all felt like it was a step in the right direction for the local banking needs of our business. How ever, Two months into the accounts, I started to notice that at 10:30 pm when trying to use the business debit card for fuel for our fleet vehicles the card would decline. Now as many know, when you request fuel they start pumping and then you pay when gas attendent is finished. At least that is the way it is in Oregon. Well, when paying for the fuel, the card would decline even though we had sufficient money in our account to pay for fuel or anything else we might need for the evening. This was very embarrassing because for safety reasons we do not carry cash with us. Having the card decline with after receiving a full tank of fuel had really put us in a bind.

When I called the customer support line, all I got was a voice recording telling me that their normal hours were such in such time obviously not 24hrs like some banks offer. The only way I was able to speak with a customer service rep at that hour was to indicate that my card was lost and stolen. When I did get some one on the line they would tell me that their computers were down for routine maintenance and would be back up with in a few minutes. Needless to say, those computers didn't come back online tell 7am the next morning. When calling during their business hours they had informed me that my debit card is working and showed no problems and even though the computers were off line I still would have access to my funds which was a lie. This didn't happen again for 3 weeks, and again, one night I let one of our drivers take the card so he could fuel up his taxi cab, shortly after he had called and said that the card was declining.

I was so [upset] that I called the bank again and was given yet another excuse. I had to drive down to the gas station of where my driver was waiting, pay cash to the teller at the same time had the customer service rep on the cell phone and told her to speak clearly to the gas attendent and tell them that the card was good and it can be used. But to no surprise the bank rep refused to speak to the merchant. This bank has hijacked our account during midnight hours to a point that we had checks bouncing and debit cards not being excepted while at the same time I was going to the main branch having to pull money out of the same accounts they were denying with draws on and go pay back the money to my merchants while paying the over draft fees as well.

Their last excuse before I yanked the plug was that their main computers that control the entire US goes off line EASTERN STANDARD time and any one or business that try to process payments through debit card transactions or checks would be declined if they were in the WEST COAST! I finally had to stop banking with them to save our image as a responsible company. I think this bank is a front and fraud! They do not care about their customers, they raise interest rates over night, and they hijack your money when its convenient for them and not the customers. I WILL NEVER BANK WITH CHASE OR ANY AFFILIATED BRANCH OF THIS BANK AGAIN!

By trusting this bank to take care of our business banking needs, it has left us on check systems. A mountain of over draft fees even though we had more then enough money to cover what we were spending. And showed our merchants just how competetant we are at paying our bills causing these merchants to stop trusting us and in some cases would not except regular payments that would come from Chase. Since this time we have went back to online banking with another company and have had "0" problems since!

Take my advise, if you are tired of being pulled around the fraud table and having your money hijacked, choose your banking needs carefully! Always ask your banker if they support 24hr access to your funds with customer support. Lock in your interest rates in writing and always monitor your phone calls with the representitive so you have all your bases covered. Chase Bank would never speak to us when we used our business lines because our company phones monitor each phone conversation.

I walked into Chase Bank to cash a rent check my tenant had written from Chase Bank. I was told there is a $6.00 fee for cashing this check. I have been to a lot of banks and never been charged for cashing a check from a bank I did not have an account with, as long as I have proper identification. I was appalled and would like to know if such action is legal....or can banks charge whatever they want for whatever they want? I will have to wait for the check to clear from my own bank. I have no cash at the moment. I refused to pay a fee of $6.00

After making a payment via phone on 6/15/2010, I discovered that I was behind for May, not realizing there was a NSF on my acct in May. Now it is stated that I am now 2 months behind. I have had this loan initially with WAMU and then with Chase for 10 years...never late with a monthly payment. I asked the 8 customer service professionals if they could work with me to defer this payment as they all acted as though they were reading a script, saying that isn't an option. No one would actually give you all options until later in the conversation. I could never speak to anyone that knew excatly what was going on with my acct. I also believe that if one has A one credit with a mortgage company, the supervisor or manager should be able to assist and help the individual until the customer is satified with the options made. All these CSA did for me was to make me feel as though I didn't matter. They say "I understand, but do they really.. They just have a job.

My hope is to see a name of a true contact person I can talk to with a valid toll free number. Noone's name is noted on the letter that they send you. Is this really a company or are they just,"CHASING" and waiting for everyone to fall and have bad credit. I am really disapointed in this company. I think I will put my house on the market just so I won't have to deal with them anymore. I am absolutely emabarrased to tell anyine that I deal with them. They make it hard for tou to refinance as it looks as though they cannot wait until you get behind. If they cared the least, I feel that I should have gotten a letter from them before June 4. Their late letter was mailed May 27. Sounds like someone is not doing their job. I would like to see some training and people who actually is giving customers valid and pertinent information, and someone available to fix the problem before the phone call ends. That's good effective customer service.

I feel sorry for the other gentleman who spent his 750.00 I thank God that I did not waste my time on that for them to tell me that I did not qualitfy. Lets all pray that a change will take place very soon. I would like Chase to do what is right to remedy the situation and fix any incorrect credit reportings asap. I feel for people who are late on their house payments and are in foresclosure. I am blessed that I have not been late at all for 10 yrs. I have made them happy...what about making me happy for this one time. Creditt was reported to the Credit Bureau. What a mess!

On Dec 9,2009 a verbal agreement was made between myself and a Chase rep. on the phone. The agreed upon contract/mutual agrt stated was that,I would join the(BALANCE RESSOLUTION PROGRAM )The info. that was Requestd of me was my Checking Account info. It was agreed upon that Chase would E-PAY WITHDRAWL 53.00 A month from my account for 60 months. Rep informed me that if I missed a payment, the program would be cancelled.(I THEN ASKED IF I CAN CHANGE MY DUE DATE FROM THE 6th of the month to the 11th SO THAT I DONT MISS A PAYMENT. No other info. was requested from me. After that phone call, I haven't received any phone calls from Chase.

As I have complied with the agreement with WAMU/CHASE,CHASE HAS BEEN THOROUGHLY DEDUCTING THE AGREED UPON AMOUNT (53.00)E-PAY FROM MY ACCOUNT#(101 ETC..) Suffice to say, Chase never enrolled me in the program but consistentdnly deducted my money from the account. In March of 2010, I was notified by the law firm of Daniels & Norelli, informing me that Chase sold my account to them for non-payment. How could this be, if they were deducting from my acct as stated above??

Needless to say, not only was I not enrolled in the program, but Chase was accepting my payment as a late payment; charging me late fees. We had agreed to change the original due date from the 6th to the 11th. How could this be? After repeatedly trying to resolve this problem with Chase to no avail, I was not successful! All documents will be furnished upon request. Can you help me resolve this problem?

I received a personal check from a Chase account holder. When I attempted to cash the check I was charged $6 for a convenience fee.

I asked if my Bank if I had deposited it would have been charged and was told no. If the person who wrote the check was cashing it they would not be charged either. But me as an individual was charged because I was not an account holder, but neither is my bank. So why am I singled out for this as an individual? Should the fee not apply to all or no one?

In or about September of '09 I contacted JPMorgan Chase Bank (hereafter, "Chase") with regard to thousands of dollars they had assessed my checking account over a sixth mo. period of time. A good portion of the funds they removed my account were my St. of CA UI benefit checks. In addition to being unemployed I was undergoing serious medical issues and had no health insurance. After posting to a legal forum it was suggested I contact the Office of the Comptroller of National Banks ("OCC CAG"). In October '09 I lodged a formal complaint with the OCC CAG. Despite my keeping the OCC CAG in the loop in my opinion they were of no assistance.

In January of '10 I wrote a demand letter which was responded to almost immediately. Chase would not return any of the funds they removed from my account. So on January 12, I filed a Small Claims action.

Shortly after filing my action I was contacted by e-mail and by phone by Jenny G Her e-mail indicated that she had called me in an attempt to come to a resolution of the matter. When we spoke the resolution she was referring to was that I drop my action. I told her I resented her misleading e-mails and phone messages.

The hearing in the matter was set for March 22. Chase's representative was a young woman, "Tiffany". Initially I thought Tiffany to be a paralegal. However she told me she was an employee of Chase and worked in the area. This was also her first small claims hearing she was attending. At the hearing March 22 hearing Judge J took the matter under submission. On May 11, 2009 the Court entered a Notice of Entry of Judgment in my favor and against Chase in the amount of $2314 ($2244 principal plus $70 cost on Pltf's claim). Chase had 30 days or until June 11 in which to appeal the judgment and/or to pay the judgment. Chase did nothing.

A WaMu customer from California for years, I moved to Texas about the same time Chase was taking over WaMu. Had problems right away, but thoght it was more due to my move than Chase taking over. I rarely used the account, moving with another credit union account & establishing accounts with a local credit union after moving. Still, I deposited a check & decided to use the account til the funds were gone. Big mistake.------Copy of letter sent to Chase: I spoke today with Jeremy regarding your letter dated 19 May 2010. I stated what Ive already stated in person at the local branch, and again by telephone on more than one occasion.

Do not contact me again regarding the $29 you state I owe. Do not contact me by mail, by telephone, through your agents nor in any other way. I consider this account & matter to be closed as we have asked this account be closed in person & by phone & have closed all other Chase accounts held by our family members.

A teller mis-statement/error led to $99 in overdraft fees being charged to my account. Chase acknowledged the error and voided $70 of those fees but refused to void the last $29. I deposited enough to cover the overdraft (less than $2), less the $29, and asked that my account be closed. Chase refused. I will not be paying fees for a teller error. This is unearned money and to threaten my credit & future banking with other institutions will not convince me otherwise. I have told the branch representatives on more than one occasion that this was a seldom-used account, as I have other accounts with other institutions that we prefer to use since Chase took over Wamu. We are treated far better at our credit unions & feel our business matters to them. Were not just a place to collect fees, but members. For just this reason, we will not be doing business with Chase in the future. Other institutions are handling our mortgage, car loans & credit cards. If Chase buys or merges with any of these institutions, we will close any accounts affiliated with them.

I am appalled that this matter has gone this far. Im sure what Chase has paid out in attempts to collect have far exceeded the fee you feel I owe.

Again, I do not wish to hear from Chase or its agents by phone, by letter, nor in any other way. To continue to contact me regarding this matter will be considered harassment. I will be contacting the credit reporting agencies regarding this matter as well.

---------I'd asked the teller what she showed as "pending" transactions so I could deposit enough to cover them, in case they amounted to more than the check I'd deposited. I knew what checks I'd written, so I deposited the total I believed wouldn't be covered, in cash. The following day, I repeated my request & deposited enough to cover my transactions. She failed to tell me that a posted transaction hadn't actually been deducted from my balance so for two days it was listed as cleared but hadn't actually cleared yet. It put me a dollar & some change overdrawn. They charged me for 3 checks they paid because the debit charge was actually inserted between other transactions after I'd already been told their order & that they'd cleared. Odd? Yes. Illegal? I don't know. I just know that they admitted their mistake, reversed all but $29 of the fees & my son & daughter have since closed their own Chase accounts.

I noticed a return payment fee on my online statement. I called CHASE and was told the payment was returned. I contacted the my bank and they told me they did not return a payment. I have been back and forth several times. My bank has given me a statement that CHASE did not attempt to obtain funds from my account. The exact same thing happened to my wife. They are charging return payment fees when they don't request a payment from the customers bank. They are applying bogus charges to credit card accounts

The information above is the branch I have been working with. Franky has actually been somewhat helpful. The issue is with the lending/loan/underwriting dept in houston. I dont believe this is a legal issue as much as it is a moral issue. The government has been saying how they are mandating the banks to lend more money, but yet it isnt happening. I am currently in the process of opening up a deli/grill and went to chase bank for an SBA Loan. I asked for a specific dollar and was granted half of what I needed. I figured a way to still make it work with adding my own equity.

Unbeknownst to me until now this business venture (deli/grill) is costing more then expected. I've come to the realization that with initial loan and my own person equity I still fall short to open my doors and conduct business. I have gone back to Chase and explained my situation that I need additional money in order to open my doors. I sent in an application to apply for more money and they have denied the request. They would rather have me default on my orginal loan because I can't open my doors to generate income to pay back the original loan. There isn't any other bank that will consider lending the money because Chase bank is the first grantor on any assets if the loan goes into default. Addtionally, I could not get the first loan without signing a lease (locked into) to show the bank I have a place of business.

I believe they know these transactions are unauthorized. Chase's fraud department contacted me to start the dispute process. I have transactions on my account within the same hour in PA and WA, this is not physically possible for me to make card present transactions in these two states within the same hour. Throughout this entire process each time I talk to Chase they make me feel like a criminal. My debit card was somehow compromised and I have had over $400 stolen from me. I do not understand how a bank has the ability to accuse me of doing something wrong when in fact they saw it was fraud themselves?

Below are the details of my ordeal:

$6.79

On 6/7/10 i went to the harlem office chase bank and wanted to simply deposit my checks. This Assistant Manager - Ms Tavon T, DECLINED to take my check just because one said my last name first and the other first name last. She said she COULD NOT deposit and that it was AGAINST the bank policy. I was SHOCKED as i said i have been banking with Chase for years with no problem. She actually started her attitude as i was the only one in lin waiting she started counting her money, picking up calls as i stood there waiting patiently. So i looked ather straiht in the face and she felt intimidated and called me only to behave so negatively towards me - AS A LOYAL CUSTOMER. I am so disappointed in her behaviour. Chase should take stern measurements/step towards her.

Thank you, my family has recieved over 100 calls sometimes up to 10 or 15 a day from chase. I sent a faxed request to chase to be placed on the Do not call list back on April 26th 2010. My wife is in tears most days from the harrassing phone calls, We are being tortured daily, What can we do to stop it. The calls start at 7:30 and go on until 8-9 oclock each evening. We are currently behind 56.00 dollars and have told them we are unable to pay until the end of the month and the calls keep coming. Thank you any help would be appreciated.

I was a day late paying my 10 dollar bill, not even a day, a couple hours. They charged me 39 dollars. I called to see if they could take it off but nothing, they were pretty much telling me you don't have the money that's not our problem and it is not fair. Why are people letting this happen? When I first called a man told me he was going to try to get it off using something, and they should approve it. They give me no options. All they kept saying was sign up to get it out of your account every month but I told the 12th person what about this payment? I still don't have it. So instead of taking the 39 dollars off, they just lost a customer and now I am in debt.

Someone used my identification making 19 deposits & withdrawals. I went to Chase Bank. They showed me 2 copies of the transactions. They refused to tell me where someone deposited $10,000 and balanced at $17,000. Then there was a withdrawal that left me $3,600 short. Ms.C. called me from Columbus, Ohio, telling me that if my request is denied, I still owed Chase Bank $5,000. I made a police report.

I am a joint owner of a checking account with Chase Bank. I changed my last name to my married name and went into the bank to make a withdrawal, I was able to make the withdrawal with the old last name but was told to bring in the new ID with the new last name and the name would be changed.

I returned to the bank at a later date and spoke to a customer service rep in the bank and was told not only did I need my ID, I also needed my marriage certificate. I was also told that the tellers don't know what is needed because they are tellers. I honestly thought that they all worked for the same bank. I returned yet again at a later date with the ID and marriage certificate.

But I was told that I needed to bring the other person on the account with me so that they could sign the signature card. After 3 different attempts and 3 different people, still no name change. If I have legal documentation of the name change then at least for the inconvenience and the gap in knowledge this matter should have been resolved.

I purchased a four cashier's check (payable to my own name total of $27,000). I asked the teller that issued them and the assistant manager if for any reason I needed to cancel the payment on the cashier's check, what will be the steps to follow? I was told just bring the stubs and we will place the stop payment right away. Ten days later, I came to the branch to make the stop payment on those cashier's checks and I was told that the bank could only make a stop payment on a lost or stolen cashier's checks. I lost my live savings, $27,000 because I trusted my own bank.

I am signed up with Chase on auto-pay. I discovered on my last bill that they nearly tripled my rate by making my interest rate 27.24% which doubled my monthly payment. I don't see how this is legal, and companies like this should be ashamed of themselves. I will be paying off this card next week, because I don't believe they deserve any more of my money (had they left it at the original interest rate, I probably would have continued making small payments and they would have continued to make plenty of interest off of me). Hopefully, I don't run into the issues others have had with paying off their cards where additional interest is tacked on after their final payment. I also have no intention of doing business with Chase ever again (if I can help it). And I will be informing everyone that I know that they should never do business with Chase as well.

Son applied for private student loan and received information that needed sent in. All items sent in Chase continued to ask for the same information again. Son called and told they cancelled the loan. I called to inquire why the loan was cancelled and was told that some letter we never received stated we were to call by 3/14/2010. Chase continued to ask for private information; last letter and email received 4/21/2010 stating that we had until 8/10/2010 to get information in. Angela (said she was supervisor) stated that the repeated letters we received were not correct because the loan was cancelled more than a month ago without letting us know.

When inquired about the information that they requested for a loan that was not there she stated that is the guidelines from the government. I asked is that not a HIPPA violation to ask for personal information and social security numbers if there is no loan and was told that they put it in a file even though there was not a loan and the information was collected under false pretense. She stated that this is their right to collect this and refused to let me speak to her supervisor. So now my son is at college with no loan to pay for school and is now trying to get loan applications processed quickly.

When I signed up for my account, I was never informed that I would be charged an additional fee for using a non-Chase ATM beyond the fee. The ATM charges and the bank will not refund my money. I am on unemployment and in my household, every dollar counts.

We got a call from Chase (Sabrina) asking about our free accounts and activity in them. We had used one of the accounts for a part time business (which was fine with WAMU). After talking with our San Jose banking representative, we clarified any open items and decided to keep accounts with Chase. Today we received letter stating all our accounts would be closed. No explanation. They already tried to force me into their business account when I tried to renew by debit card under a WAMU account I opened in 1999. I decided to close that account due to fee structure at Chase. Accounts are being closed with no reason. I have been a WAMU customer since 1999. They are affecting our credit rating by doing this.

My house went up for a sheriff sale on March 9, 2010, and Chase bought it back. This is after many attempts to try to get them to work with me, because I am disabled with no luck. As of April 26, 2010, the papers were not signed; and I still had my name as owner of the house. They fired a realtor who came into my house and took some of my belongings and changed the locks. I filed a police report today, April 26.

I also found out that Chase also hired people to come and take any of my belongings that were there and gut the house. I had just recently moved out. I have never had any papers served to me still to this day. I want to know if this is legal and what I should do.

This bank has allowed someone to obtain a million-dollar commercial loan in my name and theirs. I objected, and the bank attorney allowed and advised a court to enforce this. Yes, the bank encouraged this behavior in 1992-93 and gave the money to that individual, and that money has caused me to lose everything, including my credit, my home, all my properties over 12, and my job. This has been going on for over 17 years now, and it resulted in more loans, auto, heavy equipment, and businesses to also be purchased in my name with no credit to me and financially devastating me.

And then this bank refused to resolve. This all has caused me physical harm and harassment over the years, and the money from the loan to harass me and my family (son). It is still continuing today, and bank officials and proper authorities cannot help without proper documentation which is a loan number to report. And the bank was refusing me and the proper authorities this loan number to resolve.

This would be what I would consider ID theft, fraud, and forgery, but no one has addressed this matter in all these years and is causing me a life. And the bank has refused me credit all these years due to this, and they are now saying they do not know me ever. Also, believe it or not, the bank also allowed this individual an opportunity to pay the million dollars back.

From what I understand, at my divorce, they held back the million dollars from me to pay the bank resulting in me getting ripped off again by this person and the bank. Needless to say, this has caused me financial deviation, so I have nothing to fight back with as far as money for attorney to resolve. I have not been able to purchase much, since this happened due to missing credit info and fraud done to me. I have no home and my auto is a 1995--caused by this bank and its activities. This bank is now still refusing me credit for home, auto, cc, everything because of this activity. Unfair.

On January 20, 2010, my debit card and other important personal information was stolen from my purse while I was sick, the day after a party at my house. A couple of my roommates friends stayed over that night and one of them stole my card and driver's license to rent a car from Hertz Car Rental that charged me $240 and an overdraft charge of $33. I disputed the charge and gave Chase the information required. The charge and overdraft fee was removed in January 2010. On April 23, 2010 those fraudulent charges were again stolen from my account. Chase bank has refused to give me back the money that has been stolen using fraudulent charges. This is not right. I have never rented a car from Hertz, a fact that Chase should be able to research easily. This is fraud.

I have been with Chase for over 1 year, with no late fee, no overdraft fee, and have made payments above the minimum amount due. I keep getting advised to allow up to 6 months for review of the decrease and I have done so for the past year, to no avail. There was no decrease, and no ETA of if, or when, one will be available. Chase has a horrible customer service attitude, and will not provide a direct answer. They would not decrease my interest rate, which is currently at 29.9%.

Well today, I closed my bank account with Chase. Nicole took my card when I closed my bank accounts and said that all banks take the customer's debit/credit when the account is closed. I came home and called the telephone banking with Chase. Both bankers that I spoke with informed me that this is only done on branch by branch. This does not seem fair. I hate that this some form of profiling or this is done on a case by case. I don't know, but if one branch does it, then all branches should follow.

Last week, I received a $1,890.00 check from a San Rafael, CA law firm (they're waiting for the check copy to get the issue number). I had heard of the reputable law firm since I had lived in San Rafael area for over 20 years before moving back to Shreveport, where I grew up. The problem started when I deposited the $1,890.00, out-of-state check from the law firm into my Chase account and upon the rules of the bank, I waited until it cleared and was approved. I then withdrew most of the funds, but left about $250.00 in the account to pay my $171.00 AT&T bill. I have AT&T cellphone, landline and DSL. I have never been late on my bill.

A couple of days later, I awakened to check my bank account online and I was approximately $1,700.00 overdrawn. I called the bank and they said, "the check was altered". I asked, "What does that mean?" and they replied, "I don't know, but the check is no good". The bank informed me that even though their bank cleared the check in two days, but the bank the check was written upon (Wells Fargo) could take up to a week to validate it. My obvious question was, "Why didn't someone inform me of this policy, also?".

I received another, "I don't know" reply. I called AT&T to see if my communication's payment was okay and the girl agent assured me it had posted. I asked her, "could the payment be reversed back to Chase bank?". As I uttered the word "bank" from my lips, she said "sure!" and proceeded to reverse my posted AT&T payment for $171.00 back into my overdrawn Chase bank account.

I just about lost it, at that point, and asked her "Why did you do that? Have you ever heard of a customer reversing a posted payment?". When she blurted something similar to, "I'll transfer you to someone above me who can assist you". When the other agent asked, "How can I help you?", I asked "What happened to the other girl on the line?" and got the "what girl?" reply along with "Can I have your name please?".

Well, about 20 hours since then has been spent on the phone with a maze of corporate and non-corporate entities. AT&T, admitting their mistake, has offered me a chance to pay $30.00 a month until the $171.00 balance is paid. How nice of them, considering my checking account is overdrawn and the first payment they reversed evaporated in "overdrawn-ness", making my total payment double at $342.00.

Oh the Chase account and the bad check that they had "cleared" is sitting there. Since the bank admitted their mistake, they're willing to waive overdraft fees of $100.00 (approximately) and have done so, but I'm still about $1,700.00 overdrawn. Both parties admitted their mistake, but they want me to absorb the financial responsibilities. I'm receiving $693.00 SSDI monthly, to live on, and some state food assistance. Did I mention that I have Direct Deposit? That's all folks!

It was a busy day. I decided to go drive through at Chase bank in Gurnee Il. I put my cash deposit as soon I put my cash in. I have this ATM has experienced a technical problem. Doesn't show what I make any deposit, before I put my cash I didn't count it. I went inside the bank and they said I have to call customer service. I asked for the manager. After big arguing, he gave me cash back and told me let me know exactly how much money was a.s.a.p. Today is a week from that day. I still didn't hear nothing from them.

I had a small account f hardly $60 - left USA in 2006. Now I am told that my money is all gone in service charges since when Chase took over they require me to maintain a minimum balance! After eating all my money in service fees, balance of $1.95 has been transferred to FDIC!

First off, I am a jobless full-time student, trying to make ends meet with what little income I have. Chase Bank has continually screwed me over and over again.

Situation #1: My account had a zero balance. I requested Chase to remove the overdraft protection on my account, because I have had bad experiences with the way CHASE manipulates your account so that they may charge you extra fees. I was dealing with Malcolm and Associates, a collection agency. They kept bugging me, and in good faith in trying to make payments on my debt, I scheduled a payment with them to get them off my back. They needed my bank account information. I gave it to them.

A few days to the payment date, I called my representative at Malcolm; and I told her that I did not have the money to pay my bill. She would not accept my statement. "We need something blah blah..." I told her I would play around with my finances. Back to Chase, after removing overdraft protection, why did Chase let that bill payment of $380.00 go through my account when I removed overdraft protection? My balance was $0.00. It is really disheartening when I am struggling to stay afloat as a student in this economy and banks like Chase continue to screw me over and over.

So my bank account is overdrawn, right? Why do I get a new overdraft charge for a transaction that took place a month ago? That is not fair. A month ago, I had the funds in my account. I don't understand why it took a month for the transaction to post. Did they wait until my account was overdrawn before they let it post? It's not fair. I called Customer Service, and they had no answer to give me as to why a transaction just posted that happened a month ago? Again, they had no good answers for me. Of course, they cannot say they just want to make money and charge overdraft fees.

I had checking account with $50.00 in it. I never used the account. Chase has started charging me $20.00 a month to keep the account, I did not receive notification. Now, I owe $36.00 in fees for an account never used. Furious, they will not drop charges and will not refund $50.00. what can I do?

I had some credit debt prior to Jan. 2008, which I would have paid off in the coming year. In Jan. '08, I was caught in a lightning strike, suffered a broken hand and was out of work for four months. Though I was hurt at work and reported the incident to the team leader of one of the company's divisions, I was never transported to the hospital. That was a Friday, and the following Monday I lost my cool completely, totally out of character and punched a cabinet in my shop at work, fracturing my hand. I missed four months of work. I was later diagnosed with apnea and could no longer continue in my occupation as a truck driver.

Chase refuses to deal with Care One credit. The debt has ballooned of no more than $3,200 of physical debt, into $5,700 dollars, payable through the county Sherriff's office, with interest until the debt is "satisfied". Discover Card has had no issue with Care One, and I am currently satisfying my debt with them.

I went in to the Chase bank to withdraw money for the weekend from my personal account. Bank teller said I do not have funds available. I checked my balance on my phone using the internet and there was $1,425.00. I asked again to try to cash the check of $250.00, again same response. I was told there was a hold on my account for $1,399.00. No information about who, why, where, nothing given. I was told to call an 800 number. Almost 5:30pm on Thursday, kind of late to call.

So I tried to cash a check from business account. I was given the same response. Both my accounts were frozen. I was told to please call this 800 number. So I called and spoke to the Chase Bank legal dept. They said a hold for taxes from 2006 was levied against my account in the amount of $1,399.00. I said, there is $6,800 in the business account and if they would send me the information of whom, why, what, etc. I would look into it and either dispute it or justify paying it. Chase responded with, it will take 5 days to get the paperwork out. I explained if the levy is only $1,399.00, just hold that amount and release the rest of my money to continue running my business.

Chase said it would take 4-5 days to do that, so all of my money is frozen. I got the court order finally and contacted the Texas State Comptroller and verified all fees. They actually had made a mistake and lowered the amount to $1,254.00 I said I would gladly pay it and funds were available in my Chase Bank account and I would sign whatever they need to take the funds and release the account. The state employee sent a fax to Chase with my information and a release of levy. Two days went by and I tried to use my debit card. It was reported as closed and a bad account. I tried my business debit card, same thing.

Chase bank had closed my debit cards. I went to the bank and asked what was going on. The money was in the account and approved to be removed for payment. My accounts should be open and usable. The Chase Bank manager said to call the legal dept. They did it. So I called. I was assured it would be all okay in 2 days. It is now Thursday before Easter, a week later. I have no debit cards. I have deposited over $3,000 more into my accounts to keep checks from bouncing.

Thought that was enough. Chase bank has not only removed the $1,254.00 for the levy. They charged me $100.00 to do so. Chase has not removed the hold. So I have paid the $1,354.00 and the bank is holding another $1,354.00 on my Business account. I have been zapped by the bank. I am now missing $2,508.00 from my business account. They have a court order for only $1,254.00. I went to my personal account since the funds are gone I should be able to get money. Guess what. Chase bank took $1,354.00 from my personal account to. So from a mere $1,254.00 owed to the state of Texas. I am now missing $4,062.00 that the Chase Legal team has decided to hold on to. I was on the phone for two hours with them. I had to plug in my cell to the charger to keep from being disconnected.

Chase will look into why they took the money three times, or are holding three times the court order next week. So I have no money for the next how long. Who do you call about this theft and bad banking practice? I completely understand the tax issue is my problem. But, to charge me 3 times the amount and play dumb behind a bunch of legal red tape? I consider this a theft and fraudulent act by the Chase Bank. The bank bounced my rent check, 2 employee payroll checks and a small wire transfer. I can't get any money from the bank even with more funds in the account than the court order states to remove.

I opened a checking account online approximately 5 weeks ago. I opened it with a $25.00 deposit, transferred from my account now prepaid debit account. I used this account with Chase bank 2 times and should still have a positive balance. I'm receiving calls from their overdraft department 5-6 times a day, with calls recurring every 2-3 minutes. This is on a daily basis. I've explained that I should not be overdrawn. I spent 5 dollars and some cents on one occasion then 15 on another. The plan I agreed to had no minimum balance requirement nor a monthly fee.

Again, the calls are on my cell phone and again, I have asked again and again for them to correspond via US mail and they of course, have no clue what the US mail is or that it even exists. I've asked them for their fiscal address or address to send them a certified letter to the facts I have just explained to you. They "don't know the address where we work". I've gone online and googled Chase bank comments/complaints. Wow, not a single positive comment. Only complaints.

I've never been late on my credit ever. About 2 months ago, I paid my credit, as I usually do online, electronically with my bank account. This was about a week before it was due.

A complete bank statement from Wells Fargo had appeared online with Google the previous month, with all of my personal information. So I was forced to close the account. I had forgotten to update the the new account on the payment section of Chase's payment page. I made a $1,000 payment ( about 1/3 of my balance). I realized this immediately after I hit the button. So then, walked to my nearest Chase branch and paid $1,500. Mind you, the minimum payment had already been made earlier in the month! This was just an extra payment. They not only charged me $39.00, but they raised my APR up to something around 30%! I've been with Washington Mutual for over 10 years, the account has a tiny credit line of only $5,000.00

I've called and written and they say tough luck. There was no loss to them, I wasn't late. There is no reason for this. I immediately paid off my card, and if I weren't buying a house this month, I would close the account immediately. Paid $39 for nothing, had my APR raised to over 30%. The joke is on them, because I pay my balance off every month.

I live in Thailand. I tried calling Chase international number for help. All I get is a wait message. Two calls, I waited over 10 minutes each. Finally giving up, I am more afraid I am paying long distant charges. Then I tried to e-mail them, each one of their "contact us" form required information that it would not accept, my phone number and there's no place for countries outside the USA. There was another box for zip, but it would not accept that either. I tried everything on my account in Chase website. Sending letter is an option, but expensive from here and take a week or more to get there. It's about a reversal item, and need immediate attention. I know I cannot be contact in Thailand by your office, but can you please send me contact information that does not require filling out a form or making long distance calls.

Chase bought out Washington Mutual. I owed Washington Mutual a few bucks. Chase seized my entire $194.11 from my account without a court order. Is that legal? My bills are bouncing.

Last month, my debit card and pin number was somehow copied and almost $2500 was taken out of my account, $1221 on one ATM purchase and the rest were ATM withdrawals from non-Chase ATM machines, all in one weekend. Furthermore, Chase did not even alert me of these strange activites right when they were occurring.

So, as instructed by the Customer Claim Department, I filled out their claim forms for this fraudulent activity. Chase credited my account 3 weeks after my filing (even though they said it would take a couple of days), and just a couple of days ago they reversed the charges back to my account again! Why? Chase's reason: Due to my past transaction habits, the transactions that were claimed are not fraudulent. Case closed. Unless you're in Las Vegas, who takes out $300 cash five times in one weekend (all these withdrawals were done in the city of Paramount, CA)? Furthermore, my account was only three weeks old when this happened--I totally believe that this may have been an inside job at the branch where I opened the account.

I was on the phone with Chase for almost 2 hours, listening to the lamest excuses. They even tried to turn it around and accused me of fraud! I finally got someone "high enough" to reopen the case after being told by 3 people that there was no way that the case could be reopened. I would have to refile my claims all over again. But, I was also told by this representative that there may be only a 20% chance of getting my money back permanently. I need to know a better recourse on how to get these fraudulent transactions off of my account rather than going through these CRs located in another country who really have no power at all. My account is at a negative status. I have been unable to pay my bills and have been accruing not only late payment fees and return payment fees from my bills, but also overdraft fees from Chase Bank.

I bank with Chase Bank. I made a $3,000.00 check deposit at 2pm Friday at the ATM machine. I got the receipt with amount and picture of the check. On Monday, I looked at my balance. I was -$63.00. On my computer, I can see that it was credited and then debited. I went to the branch, and the rep tells me that the check was not accepted because the name on the check was made out to Burgos Mechanical and not to Burgos a/c (small technicality).

All of a sudden, they became police instead of serving me, the customer. They, in turn, gave me an 1-800 number because the branch manager didn't have an answer for me. So I called the 1-800 number and started to have a conversation with the chief rep of 1-800 number. He apologized to me after I threatened to bring the news people to investigate because I really felt that check should not have been stopped. It looks to me that you, guys (Chase), just wanted to charge me insufficient funds fee (there were 7 fees).

The rep apologized again and told me that the fees will be taken off and that no checks will bounce. I will receive a copy of the check. When I received it, I can take it back to my branch and re-deposit it. I hung up. I was happy, but when I hung up, I realized that I should have told him, "No, push whatever button and put back my hard earned money." This happened six days ago and I'm still $3,000.00 broke. This to me sounds like I am being ripped off. I will call today, please help.

I became a customer of Chevy Chase about 3 years ago. I liked their personal service and accommodations. When I lost my job in 2009 and got thyroid cancer, my income dropped to a measly $226 per week. I did not have insurance but qualified for assistance through the DC government. I ended up in radiation and chemo-therapy 3 times a week but had to pay out of pocket $30 per visit. My unemployment insurance was paid to me through direct deposit at Chase and I was vigilant in watching my activity online daily. Now, I am the worst manager of personal finances I know but the behavior of Chase began to be worse and worse.

Then, when Capital One took it over (to start in September I'm told), the nightmare began. I have been living hand to mouth and get some assistance from my family. I used my bank card for what little I could purchase but the transactions wouldn't show up in the activity of my account, nor would my account give me an accurate balance. Then on Tuesday evening just before midnight Wednesday, when my direct deposit of my unemployment was applied, there they were. All the previous purchases that magically appeared and because of 2-3 purchases of less than $10 each, off set all other purchases and as a result I would have multiple NSF $35 fees that went against my account. On several occasions, the amount of these fees exceeded my spending by as much as 300%!

On another occasion, when I was being extremely careful, I purchased gas with my bankcard for $12. The next morning, the purchase never appeared on my account online, not even as a pending charge. Then again on Tuesday right before midnight, there was the gas purchase but also a $2 processing fee. That $2 fee put my account in the negative and offset 5 other purchases that went against my account literally minutes before midnight before my direct deposit hit. I was charged $175 in NSF fees which left me with $51 for the next 7 days to pay for my cancer treatments and food. I called customer support and begged them to reconsider the punitive fees as I had cancer treatments to pay for. I was not looking for a hand-out.

I was not looking for my pound of flesh. I was simply asking for some understanding. The woman on the other end of the line was less than accommodating and kept repeating the same response as if she were reading from a script. I asked to speak to a supervisor and after 15 minutes a voice came on the phone. I explained my confusion over their posting false balances online as well as my own poor management of my money. She would not budge an inch and said the worst possible thing a customer could hear, "Sorry, it's not our problem."

Although I will never be able to prove it, Chevy Chase has noted my financial behavior and are clearly taking advantage of it. I am helpless. I have spoken to friends of mine that have had the same issues with other prominent banks like Citibank and Bank of America. The banking reform bill has yet to be passed and banks are clearly profiting off the poor and the economically down trodden. It is immoral, despicable and disgusting. While I take full responsibility for my financial shortcomings, on more than one occasion I have suffered psychological events of suffering. But the good news as of this writing is that I have overcome my cancer. Finally, the only thing I can say is that I will never trust another bank again whether I am making $226 per week or $2,260.

On March 19, 2010, Chase called my extended family's home to contact me regarding my late bill of two weeks. They've never contacted me at their home. First of all, Chase has my phone number on record and has had it for a long time. And I've never provided my extended family's home phone number as a secondary phone number. At the time I was visiting my family and I took the call. I informed the representative that they have my phone number on record and he played dumb with me and said that they didn't. And I said, "Yes, you do!" Then he did state that he had my number by speaking it to me. I think that they stupidly got that number through a database of theirs by using the last name. I was angered that they disturbed my family's home and did not bother to contact me on my personal phone.

Tonight, I was informed that Chase called my family's home again on March 21, 2010 at 8:25 pm. My mother informed them that this wasn't my number and to call my personal phone number. Literally, you can see that this is a form of harassment that needs to stop immediately. I just despise the harassment. It's unnecessary. I'm only two weeks behind and I have a scheduled payment that I'm making online on 3/27/09 when I receive my EDD check. I find that these people are very unprofessional and they are liars. I wouldn't recommend to do business with them at all. I even had closed my bank account with them due to bad management. Mind you, this bank has changed names/owners three times now. I hope that there would be some kind of discipline to these people regarding harassment.

In February 2007, I had an active account savings and checking with Chase Bank. I deposited a check for 4000.00 in my checking account. I had a few bills that I paid from this sum. Accidentally, the bank (Chase) deposited an amount of 3,709.00 in my checking account, which I was unaware of at the time. I cannot afford this debt, I did not borrow this money. At that time, my then husband was also using my account, bills were being deducted, purchasing etc.

This affected my credit and was also reported to the IRS. The bank should at least be responsible for this mistake. I paid up my credit card, and other monies I had owing to the bank (Chase), but this was their mistake, and if I am to liable there should be a payment arrangement made without affecting my credit or being reported to the IRS. Please look into this situation.

I think I've had my WAMU account for 10 years and never had an overdraft charge. I cared nothing about the account and never had to think about the account and never in ten years did I have an overdraft fee put upon me or really any reason to fret about the account. Since Chase started the takeover of WAMU a little over a year ago, I've been charged four times for overdrafts.

This "protection" that I never signed up for with WAMU or Chase came out of nowhere. These overdrafts are tiny amounts too, a couple dollars over, 50 cents. I make way under $20,000 a year and this is just outright robbery for somebody that lives under the law of every penny counts. Why, there wasn't an overnight mandate for banks to stop this state sanctioned pocket picking is unfortunately not too surprising proof of primary corruption at all levels of the financial and political agencies and representatives of our times.

Giving these banks six months or the year that the overseers gave them to stop. Chase is spending millions spinning the change as less protection and the bank is trying to instigate customers to keep signed up for the protection. I've gotten mailed quite a few letters emphasizing "only so much more time for the Chase state sanctioned thievery, so please resign up" junk mail! What? We need a state run bank run by old school government bureaucrats. Boring and simple banking, not these high gloss shyster pocket pickers! I hate Chase and am switching banks from today on. $140 ripped right out of my account by state sanctioned criminals, Chase crime family.

Banks, credit unions and I have never really got along that well, but my experience with Chase in October of last year was that last straw in my mind's eye. I was having my weekly Unemployment Check directly deposited into my account every Wednesday (Thursday if a Holiday fell on the previous weekend or Monday).

Now, I miscounted how much money I had left in my account when I bought an mp3 for 99 cents on Amazon.com the day prior to my latest deposit, which ended up posting the morning I was to receive it. I ended up overdrawing the account by--get this--17 cents. I do not dispute that. Here is what I dispute: I was not penalized the NSF fee of $32.00 right away. I checked online, and my balance said $189.00 and change. In fact, I purchased another eight dollars worth of mp3s from Amazon that day, supposedly leaving me with over $180 in the account, so I went to a Chase ATM to avoid fees and withdrew that said $180.00, which should have left me with a few cents in the black.

Working on that assumption (and backed by an actual print-out of my receipt detailing the last 10 transactions) I was relieved to learn that Amazon.com credited me for some downloads that did not go through. This meant I had an extra $9.00 and change coming my way, right? Wrong! By that time, not only the overdraft from Tuesday was assessed, but also another $32.00 for taking out the $180.00 when I really only had $150 and change in there, then a $35.00 charge for that Amazon purchase that I made before I made the ATM withdrawal (They basically posted one transaction as if I did it after the other--switched, if you will).

But that's not all! The following Sunday, thinking I was still $9.00+ in the black, I made a purchase from Amazon for the exact amount I knew (excuse me, assumed) was in there. When it comes to basic arithmetic, I am very adroit, well above average. So, you can imagine my surprise the following Wednesday when I went online to check my balance and found only $55.00 in there. I looked everything over and found all four overdraft charges for $144.00 (including the $35.00 charge for the purchase I made Sunday.

Now, here's the part that really torched me, I called asking for an explanation for this! I was given, if not false, at least inaccurate and out-of-date balance information. I get hold of some double-taking numbskull in the Philippines, who just regurgitated everything I already knew. I demanded restitution because if anything, I should only be on the hook for the $32.00 for the original 17-cent overdraft. The other three overdrafts, as I said before we based on false information. He only agreed to reverse one of those four charges. That was not enough for me. I wanted every single cent back because they failed to provide me with the real-time balance information that their website boasts about. Unsatisfied, I promptly went to the nearest branch and close my account.

Later that day, I tried to open a new account at a bank in the area, and a credit union I had dealt with before. Both said, I had outstanding charge-offs and could not open one until I pay those off. I could not understand that because I had those issues long before I came to Chase to open that account. They had no problem giving me one, but now I'm suddenly toxic?

Something here is just not right. I eventually had to request my weekly deposits be put on the Unemployment Office's prepaid debit card. Now, what bank do you think the card was drawn on? You guessed it! JP Morgan Chase! I couldn't get rid of them. To add more insult to injury, I requested the card on that Wednesday afternoon. They waited until the following Monday to send it off. I had to spend $10.00 for them to get it faster (one-day). The original card finally arrived the day after my replacement did.

Due to a flaw in online payment system, the "pay full statement balance" option inaccurately reflected the actual balance owed for the current statement cycle after the statement closing date. This option to pay the wrong amount owed is the most prominent one that people will likely select right away. If the amount shown from the previous statement cycle (which is shown as the new current statement balance) happens to be less than the actual amount, they charge the finance fee on the difference and they refuse to refund this fee, even though it is a mistake in their web update system.

I began a reverse mortgage process with Washington Mutual in June 2008. The deal was put on hold in late August 2008 while Washington Mutual was absorbed into Chase Bank. I also had to resolve a lien issue, which I did. In late December 2008, the deal was resumed. Both my broker and I were told that once the process resumed, it would only take two weeks to complete.

However, two months later, we are told that the old deal had expired and that a new application would have to be submitted. This meant that a new appraisal would be needed and that I would have to retake the financial classes mandated by law for reverse mortgages. I am out of pocket for the cost of a second class.

A second appraisal was required as well. The one that I had done six months prior was no longer acceptable by Chase. This new appraisal came up $35,000.00 lower than my last appraisal from six months previous. The housing market and home values in my area have remained the same for the last year. No significant declines. The tax appraisal adjustment occurred in early 2008 following the lower value of homes and property. The appraisal done in July took the new home values into account. The second appraisal doubled down on the already established drop in home values and cost me an additional $35,000.00 in value that had already been factored into the first appraisal. There was no need for a new application.

I am told that the only reason a new application was requested was because Chase wanted to assure their interests in the reverse mortgage at my expense. It turns out that the second appraisal was actually a home inspection in addition to an appraisal. At the time of this new "appraisal/inspection," I was floored by the fact that the man conducting it made it very clear to me that he wanted a payoff to give me a fair rendering of his services. I flatly told the man that I do not play that game and he could just leave.

Well, he turned in his appraisal, and it was $35,000.00 less than the previous appraisal from six months prior. He also, and this is when I found out that he had also conducted an announced home inspection, that despite my roof only being five years old, he stated that I needed a new roof--which obviously I did not. He also stated that I needed new windows, new floor coverings, and energy-efficient appliances.

A few days later, Chase sent me a letter demanding that I show proof that I have and have had $35000 in the bank currently and for the previous months. I was given five days to replace my roof, windows, floor coverings, and appliances. By the time I received this letter, I had but 2 days left to comply. I am 67 years old, disabled, and retired. My roof does not need to be replaced. Needless to say, my application was declined.

I have a CD opened in WaMu Bank. It was automatically renewed when matured in Sep 2009 after WaMu's merge with Chase Bank. Due to financial problem, I need to close this CD early. I know that there will be an "early withdrawal penalty". Here's the problem, in WaMu's agreement, the penalty is "3-month interest", however the Chase wanted to charge me of "$25 plus 3% total amount of money". It is not fair. My point is that since Chase didn't inform me this difference when they renewed my CD, no letters, no new agreements and signatures. They should honor me a lower fee as WaMu's penalty.

Chase decided earlier this year that I had no hazard insurance. When I received their initial notification, I had my insurance agent immediate mail proof of insurance and I thought I had solved the problem. Imagine my surprise when on my March 1 automatic payment, they deducted over $500 in forced insurance. I immediately had my agent fax the updated information; at no point has my payment been in arrears.

Here is a blow by blow update describing a typical call for Chase. I am currently on hold and have been for the past 15 minutes as I type this to verify whether this overage has been refunded. Customer Service Manager Andrew G. had on Friday promised me that if I called on Monday, today, and gave them the reference number, I would be able to find out if via this new escrow file the error has been corrected. I am still on hold, listening to the message that for the fee of $15 dollars, I can conveniently make my mortgage payment on phone.

After fifteen minutes on the phone, I was placed on hold again with another set of message. I finally reach an agent who looks up the escrow number and says that I am due a refund of $1876, but when I ask how much my next payment is, she says $3,281.67, the previous amount. When I ask her how they will refund it, she says she doesn't know and places me on hold for the third time, stating that there will be a 1 to 2 minute wait. I am not sure that the $1,876 is the correct amount, but I have been on hold for almost a half an hour and I don't have the time to wait longer. The last person I spoke to claims I still have a negative balance of $397 dollars despite their so called refund of $1,876.

I wrote the following email to Chase Bank USA upon realizing that they had upped my APR rate from 12.24% to 24.24%. I just checked my account online and I could not believe my eyes (I am sure you heard that before). You, bank people, raised my APR from 12.24% (January 2010 statement) to a whopping 24.24% (February statement). Why? Why did you almost double the finance fee on my account?

Never mind, I know why! It is not a punishment towards one insignificant customer, it is just a token of your greed. Well, thank you. I will not be using my Chase credit card very often, and if I do, I will not carry a balance. I know you do not give a hoot about what I think because I was able to pay my balance off. It's your other customers who are not so fortunate and have to pay the collusion, flimflam fees you are now charging--families who are struggling to make ends meet. They are the reason I am sending this email your way.

Please contact me if I did not read the statement correctly. I noticed that January statement reads--finance charges and February statement reads, "interest charges." Is there a difference or is it just another devious trick? This is what I received back:

Dear Carolyn,

Thank you for contacting Chase about the annual percentage rate (APR) for account ending in **. As stated in your card member agreement, the terms associated with your account may be changed in accordance with the applicable law. We will notify you of the change in writing. Our business practices are continuously reviewed to ensure we provide valued services and remain competitive in our business. While reviewing your records, I found a change in terms notice was sent to you on 11/24/09. At this time, I am unable to return your account to its previous terms. The card act, which took effect in February 2010, requires banks to change certain terminology that has been used in the past. The word "interest" is now required wording. If you have any further questions, please reply using the secure message center."

The account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates. This was my finale reply: "While reviewing your records, I found a change in terms notice was sent to you on 11/24/09. At this time, I am unable to return your account to its previous terms."

In the past, my family has paid thousands upon thousands of dollars in interest fees. The credit card companies were able to get away with so much using devious methods and tricks that the government allotted them, by their "laissez-faire" financial attitude. Through the many years of raising three children, with both parents working, we were barely able to keep one foot in front of the other.

Then, when my husband's company wanted to get rid of all their older workers, they offered him a retirement package which he had to take or risk not being able to find a position in another state, within this national company. Since we were still carrying a debt balance and since the job he found after retirement was one forth the compensation of his old one, we, in our finale work years, could not make ends meet. We were forced to go bankrupt or lose our home.

This country has slowly slid into an uncaring and totally unequal culture. Largely because of the greed from those who govern at the top. Everyone is complaining, but for the most part, their complaints are not directed at the ones who have caused this downward trend. Too many people believe that it's the poor, not the rich, who are responsible for this dilemma. They have been indoctrinated by a "newspeak" or "rovespeak" ballyhooed by some government officials to direct their frustrations towards those who have the least voice. All of us, in the end, will lose if this downward spiral is not reversed.