Chase Bank Reviews

Then On April 20, 2009, I made my weekly call and then I was told that the modification was messed up and I now owed all my previous months payments. I never received any notification of that the previous modification was denied! Somehow, I got in touch with my modification negotiator Richard ** and he was shocked that I never received anything and he told me that someone at Wamu/Chase "dropped the ball". He assured me that he would get something done post haste and also that it still would not be reported negatively on my credit.

I was then sent the Making Homes Affordable Modification Packet and was told that at this point this was my only option. Richard ** could no longer be reached and his mailbox was full. His number and extension were changed and I could not get in touch with him. I had no other choice but to fill out the Making Homes Affordable Modification packet. I made all my trial period payments on time each month and come November of 2009, I received a notice of Intent to Accelerate. I never received any notification about my modification.

After calling multiple times I finally found out that my modification had been denied and that I now owed all my back monthly payments. I paid in full and was told that it would not affect my credit or be reported negatively. It was, and it was reported as late in payment history in Feb 09, March 09, Oct 09 and Nov 09. Now my credit is negative and I can't refinance or get a new home loan if I wanted to. I've read about multiple places that this same thing has happened to many other customers.

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.

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.

The issue I have is that I used to work for Chase. I had 18 yrs of service until they sold the portfolio to Etrade. 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. 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.

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 24 hours 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 someone 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 till 7 am 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 attendant 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 accepted while at the same time I was going to the main branch having to pull money out of the same accounts they were denying withdraws 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 offline 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 it’s 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 competent we are at paying our bills, causing these merchants to stop trusting us and in some cases would not accept regular payments that would come from Chase. Since this time we have went back to online banking with another company and have had zero problems since!

Take my advice: 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 24 hour access to your funds with customer support. Lock in your interest rates in writing and always monitor your phone calls with the representative so you have all your bases covered. Chase Bank would never speak to us when we used our business lines because our company’s phones monitor each phone conversation.

My hope is to see a name of a true contact person I can talk to with a valid toll free number. No one'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 disappointed 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 embarrassed to tell anyone that I deal with them. They make it hard for you 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 qualify. Let's 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 reporting asap. I feel for people who are late on their house payments and are in foreclosure. I am blessed that I have not been late at all for 10 years. I have made them happy. What about making me happy for this one time. Credit was reported to the Credit Bureau. What a mess!

Suffice to say, Chase never enrolled me in the program but consistently 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?

In October 2009, 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 2010, 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 **. Her e-mail indicated that she had called me in an attempt to come to a resolution of the matter. When we spoke about 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 ** 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 Plaintiff'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.

Nearly a year has elapsed since I first contacted Chase regarding the excessive and unwarranted charges to my account checking account. In December of 2009, I was finally allowed to close my account. Because the account had a negative balance, there was no way I was going to give Chase an additional $400 plus after they had already assessed my account nearly $5,000 in overdraft fees. As a result, my credit is bad, and it will be very difficult if not impossible, to open an account with another bank. The worst part is that the money I was awarded was earmarked for medical treatment I desperately need.

In 2008, I was diagnosed with malignant tumor. Due to my not working, I had no health insurance. To my dismay, on April 23, 2010, the ER at County of San Mateo Medical Center (CSMM) confirmed I sustained a Fifth Metatarsal Fracture to my left foot. I was subsequently placed in a walking cast. This indicates that it has spread. I am now forced to forego the medical treatment I so desperately need. I have no family in the area and have been on my own for the past several years. I would be more than happy to provide you with any and all documents in my possession confirming my statement. I declare under penalty of perjury under the laws of the State of CA that the foregoing is true and correct.

This is copy of a letter I sent to Chase: “I spoke today with Jeremy at 1-877-287-7303 regarding your letter dated 19 May 2010. I stated what I’ve 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 and matter to be closed as we have asked this account be closed in person and by phone and have closed all other Chase accounts held by our family members.

A teller misstatement/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 and 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 and feel our business matters to them.

We’re 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 and 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. I’m 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 and 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 and 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 and 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 and my son and daughter have since closed their own Chase accounts.

Unbeknownst to me until now, this business venture (deli/grill) is costing more than 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 original 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. Additionally, I could not get the first loan without signing a lease (locked into) to show the bank I have a place of business.

Below are the details of my ordeal:

I went into my local chase branch on California Ave in Seattle WA. My debit card was not working properly so the teller offered to order me a new card.

$55.69

April 14th

$10.80

April 15th

I received the claim paper work and sent it back to Chase disputing 4 of the 8 transactions that were made in PA. The transactions totaled $80.84.

$38.51

$223.75

April 16th

I received another claim allowing me to dispute the same 4 transactions again. I also received temporary adjustments.

$10.00

$35.84

April 22nd

I received 6 more claim forms from Chase. Not sure what to do, I opened and signed 5 of them and sent them back to Chase. This dispute included two new transactions totaling $230.54:

$223.75

$6.79

April 23rd

I received 2 more claims from Chase, advising they will provide a temporary credit in the amount of $230.54. I received temporary adjustments:

$6.79

May 13th

I received another claim from Chase, advising they will provide a temporary credit in the amount of $91.53.

May 21st

I received a letter indicating that Chase's research found that the transactions were authorized, and they would be reversing the adjustments to my account in the amount of $402.91. I called Chase to figure out why they determined these were authorized. The agent (Claire) agreed that there was a mistake. I received double adjustments for 4 transactions ($223.75, $55.69, $35.84, $6.79). She said she would take care of re-opening the claim, so I would be able to have the remaining 4 adjustments remain on my account.

$28.51

$6.79

June 2nd

I received a letter indicating that Chase's research found that the transactions were authorized and they would be reversing the adjustments to my account in the amount of $230.54.

June 8th

I spoke with a supervisor Sarah at Chase customer care, regarding the adjustments being reversed on my account. At first, Sarah agreed with me that an error had been made, and she offered to help. After placing me on hold, she came back and said that the card I thought was ordered on 4/9/2010, was actually never ordered, and because I claimed that I never received a card, that they determined the transactions were valid, and they would not give me the adjustments. Sarah stated she can see that it would be impossible for me to make these transactions, but I was legally bound by the document I sent in. I called back later on the evening of June 8th, and spoke with another agent, who agreed to reopen my claim. I received a claim form and signed it and re-sent it back to Chase.

June 10th

$6.79

She actually started her attitude as I was the only one in line waiting .She started counting her money, picking up calls as I stood there waiting patiently. So I looked at her straight in the face and she felt intimidated and called me only to behave so negatively towards me. As a loyal customer, I was so disappointed in her behavior. Chase should take stern measurements/step towards her.

I asked why the amount due was now $1000. The woman explained that was due to interest and fees. I explained that I could not pay anything at this time as I am homeless. She asked me how I could be homeless if I had a cell phone. My credit score has fallen. I cannot go to any other bank without facing additional penalties/having funds withheld. This has caused added stress and worsening already chronic, serious illnesses.

We filed suit in 2002! Not only have we never had a trial which we are entitled, the second Judge David ** decided on his own we were wrong granted an equitable lien to WAMU and forced sale our home of 32 years! ** & ** have conspired since this is too hot to handle. I wrote to everyone in DC, office of the Comptroller, The Thrift After 9/25/08 when WAMU ceased to exist. ** went to a forced sale (not foreclosure) and bought our home notwithstanding the FDIV said it now belongs to Chase. It is obvious the cover up is akin to unscrambling an egg but we have obtained confidential documents from a wise ** from WAMU where they say there will be no loan if it is disclosed to the customer before closing.

The afterthought that my husband needed to sign a mortgage led them to the cover up and the forgeries. I have found the State court to be as criminal as WAMU. Documents were hand delivered to the judge and WAMU never asked for a foreclosure and Judge Gill ** told them if their mortgage is a forgery, they will settle for an equitable lien or worse $0. They were paid $250k in attorney fees on a $300 refinance. They have now sold our home illegally and we have homestead exemption in Florida to boot. This is far from over even though we have been in court for 8 years.

The firm of Shapiro Ramos has perjured themselves and perpetrated fraud on the circuit court a dozen times and does so three times in the third DCA. However, the courts know that everyone in this position will come out with the truth if this is overturned. I was solicited by a Broker representing them as the lender. I did not look for a mortgage. I will stop at nothing to get this to trial and regain control of my home and my life!

They can never answer your questions, solve your issues, or tell you where you can get help. They want fees for no reason- worst bank ever. I would never recommend anyone to them. Oh and they are the only bank that doesn't close accounts online. So if you have fraud/identity theft issue, they can't help. This bank is a nightmare. I will be closing my account soon.

They have no extension payments or interest payments available for loan assistance when you fall behind. I would love to join a class lawsuit on this company for their crooked ways of treating us. And they accepted "our" bailout from the president without tax dollars. They have threatened me with foreclosure and now are not accepting my payments towards the default. I applied for the Obama plan in Jan 2009 of which they apparently lost, then applied again in 4/10. Now, I am being told that they can refuse to make an adjustment because of this problem. It’s a no win situation for me at this time. They refused to take a payment, what else can I do? I tried to work with them they do not wish to work with me.

I asked representatives from MasterCard for help. It was not until months later that someone mentioned about placing a dispute about my situation. I had one representative who was being helpful; then would talk to someone else who was unwilling to place the dispute. It was like the left hand did not know what the right hand was doing. It was very frustrating. Presently, I have been informed that I need to send another request in for a dispute. I already sent a letter in giving all the information that I had; so I don't know what else I can inform them about. I gave them all the information about the investment and to who I gave it to. I had no written contract of any kind.

So, the information that was sent they should still have. I was informed that an attempt was made to contact the business in Arizona, but since they were put on hold for more than five minutes, the representative just hung up; so nothing more was done to try and resolve the issue. That was upsetting to me because I have been placed on hold also, but I held on because it was important to me to try and resolve this issue myself; but after talking to representatives from the business in Arizona, they all refused to help me. So, why couldn't Chase employees do the same and wait until someone answered their call? I am deeply upset and dismayed that a company for whom I have done business with for years would do little to assist me in my attempt to help decrease my credit card debt?

On May 10th, 2010, I received a letter from Chase stating that $250 would be debited from my account. Their response was that the merchant could prove that the charges were mine. First of all, after conducting my own investigation, I found that the merchant, through their website and store locator did not have any stores in the state of Florida and that it was a grocery store. Then, the letter from Chase stated that the merchandise was shipped to the address on my account, also false. I would have no need to purchase groceries from California having many stores to choose from in Miami.

In the same letter, they go on to say that per my conversation with customer service on the day of the initial report of the theft, I told them that the card had never left my possession. Now they say that their records indicated that the transaction was signed, imprinted and authorized which means that the card was present at the time of purchase. I informed them that this could not be possible as my employer can confirm that I was at work the day the incident took place. The customer service supervisor for Chase informed me that it did not matter how many times I disputed these charges, they would be denied every time.

This was quite upsetting and made me feel as if there was no investigation conducted in the first place. He also provided a number where I could request a copy of the sales receipt for the transaction, but to this date, they cannot present any proof. Yet, the funds have been deducted and his has placed my account in a negative status. I have bills that are unpaid because of this and I have had absolutely no cooperation from Chase Bank. I do not know where else to turn to seek help to resolve this issue. To make matters worse, I am not able to use my card as they have it as being reported lost or stolen, something that I have not reported since receiving my new card. I feel like I'm being victimized every time my funds have been deducted due to Chase's failure to conduct a proper investigation to obtain the proof to support their decision.

Then things got even worse when my adjustable interest rate doubled every subsequent year. I called and asked about the mortgages hikes, and I was told that they were imposed because the bank needed to make up for the losses it had incurred. When President Obama enacted the loan modification program, I submitted the paperwork to have the loan that I could no longer afford adjusted. WaMu had me fill out the paperwork four times and resubmit it because the applications kept being lost. They could see in the system that I sent them the applications, but they had no idea where they were.

I finally gave up on the situation. I would have to call over and over just to get someone on the phone. When someone did pick up, they would just transfer me to another department (that has no idea what needed to be done or what was going on) until finally either someone told me to call back in a few weeks or hung up on me.

The stress of this situation had me to the point where I needed to start taking anti-depressants, medicine for anxiety, and medicine to help me sleep. I have lost almost all of my lines of credit, and my credit history has been destroyed as a result.

The next day, I called him three times; and every time, he was busy. I also left messages with the bank receptionist, but he didn't call back. On the third day, I called him two times; and at the third time, he took my call. I explained my situation to him, but he said that Chase was gonna charge me $25 to close the account within 90 days. I told him to close paymentech (card machine), because they are charging me $25 dollars (for minimum transaction) per month. When he said that they were going to charge me $200-350 to close paymentech account, because paymentech is not part of Chase and that it was a total diffrent company.

Since then, I have tried to solve this matter with the bank assistant manager (Yovana) which took me 2 days to get in contact with her. Also, with the manager (Antinio), but they just don't want to admit that Fabian misguided me in the process. He also gave me paperwork that are not completed. They also told me to tell my clients to use their credit cards to avoid minimum fees. But I cannot force them.

I have a small business, and I only make about $1100 gross a week, not counting rent, merchandise, and other expenses, I think that Fabian, in order to get commission, misguided me. And I think he made fraud with me. Please, I need help in the period of time that I have been trying to solve this matter. I have lost about $220 in gas. I also hire a lady for two full days in the process of trying to fix this, not only that paymentech may charge me $200-350.

This is a very stressful situation physically and mentally, because I can't stop thinking that I have been a victim of a large corporation such as Chase bank. I can't even sleep at nights, because I'm only thinking of a way to get someone to help me.

I am a co-owner of the account through a trust, and I could not believe this to be true. But unfortunately, I was told the same thing by Chase customer service when I questioned it. This ought not to be legal, and we intend to challenge what I feel is outright theft. An early withdrawal penalty should never exceed the amount of interest the money would have earned if left until term. Beware of Chase Bank; do not open a CD with this institution.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

We contacted Washington Mutual and they said they would send us a loan modification package. When it never came, I decided to contact HUD. At the HUD office, the HUD rep contacted Washington Mutual and started an agreement with Wamu to do a loan mod. After I left the HUD office and got home, Wamu called me and told me that I did not need to go back to HUD. They said they would help me without HUD with a loan mod and that we were not to worry about a thing. Wamu would take care of us. Well, they sent a loan package and I filled it out and sent all the info that was asked for in the package.

After three weeks, I called to check on the progress and they said that they never received the loan mod package. So I requested a new one to be sent asap. When I got the new one, I did the same thing and sent it back to Wamu. After three weeks, I called and was told that it was lost and no one had any idea where it was. So again I sent another in; after three weeks, I called and was told that it was missing important info and could not be processed due to the lack of info. So I sent a fourth one and that one was denied for bad credit.

This company should be given an award for being the best liars of all time. With all the time wasted, the sheriff's sale took place on May 7, 2009. and the house was sold to Bank of America and now after the six month redemption period has now come to an end, we have been evicted by Bank of America and have 30 days to move and try to find a new home. The eviction started on March11, 2010. We have to be out on April15, 2010.

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.

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.

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.

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.

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.

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.

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.

Five months later, they declined to lend because they said it was a commercial property? I e-mailed Brian ** and asked for my $750 per property $1,500 loan app free to be refunded. He e-mailed me back saying and I Quote "I have put a request in to refund both of the $750 application fees paid by you back on 10/19/2009. Expect the refund in approx 7-10 business days." 10 days later, I received a refund of total $350. This package never even went to appraisal, the only expense they had was a credit report that came back outstanding. What a rip, I have filed a complaint with the Federal Reserve complaint system who knows about that. I am now in process with Wells Fargo and going smoothly. Loss of $1,150 and some expense Fedexing paper work to Ohio. Five months of my time.

But when I went to withdraw money this morning, my balance showed as overdrawn. I was confused so I called Chase's customer service # and was told that my transfer had never happened. This is absolutely untrue, but Chase would do nothing to correct their error, which apparently was a system malfunction. As a "courtesy" they refunded 70.00 of over 200.00 in fees. I am livid.

They charge me fees for their mistake and I am basically told that because I did not have proof of the transaction, they take no responsibility. I am supposed to sit back and take their treatment, which is actually theft. Is there anything a consumer can do about this outright thievery, as I assume they make a fortune on these "unprovable" transactions. By the way, I am willing to take a polygraph test, in case my claim is doubted. Several hundred dollars, Chase took for fees resulting from the transfer not showing up.

I called customer service and they said there was nothing they could do. Since they could not recover the money from the merchant, they pulled the money out from my account. They said they would send me documentation in 5-10 business days. How can they have the right to just take money without warning or explanation? How can we live with no control over our own money? Businesses charge you if you want to pay your bills in person, and my husband's employer requires direct deposit. What is a person to do? As consumers in today's world, we can't live without banks, and yet we can't trust them either. I am now overdrawn with no money to pay bills or buy food. Because my husband's check is deposited directly to this account, we will lose most of his next check to overdraft fees and Chase's stealing the money.

Chase put the check into a money market fund which paid .05%. I had requested their 5-year CD which paid 3%. I had told Chase I wanted to withdraw my husband's RMD for this year, as I needed the money for his fees at the facility he lives at. Chase told me I could only withdraw an amount that would cover the RMD for the money I had deposited. I told them that this was not the case as in prior years. I had taken more money from other IRA's my husband owns.

Three people from Chase which included the president of this branch, a vice-president, and Ms. Dent who is a person who tries to talk you into investing in annuities.

After much time in arguing with me that I could withdraw only a certain sum, it was decided to call Chase's IRA Department. These three people were told I could take as much money as needed from the account. I told them the government loves us taking more money than is required as you do have to pay taxes on the sum redrawn.

I felt this bank did not know their business, and I then brought up the fact I was losing money as they had put the money into a money market account instead of an IRA. I was told I could not withdraw money for 5 days, as I had to wait for the check to clear the bank. (what a check from another local bank?) After the 5 days were up, Chase told me that when calling the other bank, they were told that info could not be given over the phone on whether the check had cleared or not.

I complained that I was losing money, because my funds had been placed in a money market fund. And I told them they should have opened an IRA account in the first place. Again, because another fund was being opened, I would have to wait 5 days because of Chase's cycle. It is now 11 days that I have not been able to withdraw the MRD from the account. Today, March 11, (11 days later), I am told I can withdraw what I requested in the first place. The Chase Bank in Wheaton is poorly managed from the president down and does not know their business.

Experian is the only credit bureau that is showing this on my credit report for them. Equifax and CSC credit bureaus have never reported this on any of their credit reports. My credit score with Equifax and CSC is well above 780, but on Experian credit score, it’s only around 580. I have been turned down for a credit card and I have received higher interest rates on my car loan because it seems they check Experian and not Equifax or CSC for my credit report and credit score. This write-off is causing me problems and I need it removed ASAP as I have been fighting Chase for over 3+ years on this matter.

Every month, they lower my "limit" and charge me over-the-limit fees, and now the interest rate is at 29%. I feel that I will never get them paid off, nor get them to stop calling me (I don't know how they got my cell number). I have also lost my job, and can't afford to keep up with the higher interest payments. I have tried several times. And every time that I made a large lump payment, they lowered my credit limit! Never again with Chase Bank.

I called them only to get someone on the phone I could barely understand. And he gave me a ** run around saying that it was pending and in the future just have a sum of money in the bank. Oh, thank you! I was unaware of how an account works. When you don't have money, that is where your bank should be considerate and have some type of option for you, especially in this economy, to be able to let you pay back the amount you charged and not the ridiculous $35 fee. Oh by the way, I overdrew by $1.25. Thanks Chase. I can't wait to leave your bank.

Unfortunately, like they had once done before (early last year) when they created a problem with security issues and asked me unrelated questions (things I've never heard of) re my account and then froze my account for no good reason; they were at it again. I couldn't believe their egregious business behavior in handling a problem that they've created. It was so awful, they gave me nightmares, because I couldn't understand where they received or created false security questions that didn't relate to me.

Anyhow, after asking me these crazy false questions, I was inform that I've failed and they could correct the misspelling of my name. Per several calls, I tried to explain to Chase managers and security specialists that as a graduate student I couldn't purchase my books if my name didn't match the name on the school's files among other things.

I was told to contact my branch manager but when I called her today, I encountered her powerless to perform. However, kindly the branch manager says that she made the name correction and will issue a new card. I was grateful for this service, but I worry. If my card is ever stolen or if I've problems with my account I will be at a serious disadvantage. I'll probably be in trouble, because Chase is not capable of solving simple problems. Yet I don't want to close my Chase bank account because I like my old good WAMU branch office. I really miss Washington Mutual and I loathe Chase! Please help. Great Emotional Distress and inconvenience to go the branch office with a injury ankle problem.

The consequences of Chases lack of customer service and misleading service, was that my paycheck on 2/18/2010 was all deducted for the overdraft fees, which still left a (107.96) which will be deducted on this coming up paycheck. As a result, I'm late on my car payment $324 and gas bill $125. I will have paid Chase over $400 in overdraft fees!

The Bank Manager came out of her office and beginning to Holler (I told you that FedEx only pick-up when we call them. Okay, why is this FedEx still here? You tell me that FedEx didn't come to this branch over a week? Per branch manager only when we call. Okay, but the FedEx is here. The young man came from behind the counter with the same packet that I had giving to her on the 12th of Feb. Inside was my homeowner information. Then she tell me to get out of her bank and she is going to close my account. Would you think the customer at a bank I chase should be treat like this?

On March 1, 2010, I went to the bank in Western Atlanta and want to get 10.00 for Gas and my account was closed. Why I'm not surprise. When you find people that don't work will find away to make it look like you are wrong! Okay, also I call 1-877-691-8086 to report this and nothing I can do, can't get my money out. I will open a new account somewhere. Bad bank for anyone!

So one fee, became another fee and so on. I was getting charged $35 for $5 dollar purchases! I want to mention, I was checking daily to see if the credit was applied.

I also wanted to note that each time I checked the small purchases that caused my overdraft charges were "pending". Had the credit gone through, it would have been plenty to pay these $5 type charges. My credit was for $165! Sunday night (as Murphy's law would have it, during a time when the banks are closed and people in phone customer service can't do anything), I checked my account again online (I check online regularly, pay bills online--so I get real time available balances), and there were the $175 in NSF charges and now my credit processed which was nullified by the NSF charges, to still leave me with a negative account balance. I get paid monthly, so I had to borrow money from family ($200-to cover and bring to positive $10) . At this point, I had already transferred everything I had in savings to try to cover the amount that wasn't being covered by the unprocessed credit, and the annual fee that was charged late. This wasn't merely a problem of bad accounting on my part.

I went in to Chase to explain what happened, and also to inquire what had happened with the Savings account being converted to the higher fee Checking account. I was told there was nothing they could do. All they "could do" was reverse one NSF fee, and have the checking account changed from the higher fee type to the free type. I explained how the error wasn't mine, and how I went to the vendor and the vendor said that it wasn't theirs. I also explained how every dollar counts for me, and they said the equivalent to "Sorry, it's policy." I asked if there was someone higher up I could speak with, and they said that they were as high as I could go.

They also said it was policy to only reverse two NSF charges per 12 month period regardless of whose error it was. I was polite, said "Thank you for trying" and left. I feel I have to complain now because I don't feel this should happen to others like me. I don't know if it's just Chase's policy, or if other banks have the same ones where they keep their NSF fees no matter what. I'm tempted to just cash my paychecks and keep the money under my bed! I've read over an over after doing a little research today that banks are actually making their money on people like me who get charged NSF fee on top of fee and just can't seem to keep up without having to borrow from someone. I don't know if that's true or not, but I can see how this could be a good way to make a buck for the bank.

Especially off people like me who don't have the $175 to pay till my monthly payday and so any little thing that goes through between now or then will get yet another NSF fee. Again, I'm tempted to cut my losses now, and hide all my money in a sock. I don't have anything pending that I know of (I keep fairly good records, and don't have "auto payments" set up on my account, so I can monitor my money and avoid NSF fees. I only know of one thing on autopay. The annual fee was supposed to process when I signed up for the "perk" Chase sold me).

I just want to file a complaint against Chase for their policies that don't allow for human error in their system, or bad timing that is their fault. Had they processed the annual fee when I signed up, and then processed the refund when the vendor said, they did. I wouldn't be out $175 bucks today. I think I'm going to get a prepaid check card at one of those supermarkets and have my online payments paid through it and just pay cash from now on I think. Those prepaid things are only like $3 and it's worth it if I can avoid NSF fees because they just won't be approved if the money isn't on the card.

(I had to sign a form for them to not pay out if my available balance was lower than the purchase. Before I signed this, they were going to keep paying purchases and I was to keep getting overdraft after overdraft.) Banks are going to lose business if consumers don't feel their money is safe there. Isn't that why some people made it through the depression? They didn't put faith in their local banks. $175 in lost money.

Is there no way to stop them from charging these enormous fees? I tried to call them and was told that I must come to the bank in person for security reasons. For less than $15, I had to repay the bank $105.00. I'm 55 and trying to make it on my own, I can't really afford this.

I challenged them due to the ordeal in Nov and for not notifying us of the investigation. They would not help us at all. We called the VA who verified the check was legitimate and no need to return the money. We told Chase this to no avail. We have another checking account at Chase bank as well. Upon this incident, we initiated several transfers to another bank. The transfers showed pending and the other bank showed the funds in the account until 24 hours later when Chase took all the money and applied it to the other checking account.

They did not attempt to take this money until they saw we were withdrawing it. The supervisor I spoke with was rude and stated they could do whatever they wanted to recoup their money. I explained that we were in the process of getting a letter from VA to show check was legit, she didn't care. I am livid! They took all of our money! Can't pay bills, get my child's medication or get food for that matter. I think at least a notification is in order. If we owed the money, we could have paid them in increments since it was 3 months later and we spent the $2865 to pay my father-in-law's nursing home bill and some funeral expenses! We have no money, bills can't be paid, medication can't be bought, pending checks bounced, overdraft fees, humiliation and frustration.

So, I went and talked to a personal banker, who explained that they would cover the overages "at their discretion" even if I opted for overage protection. Then he proceeded to try to talk me into a new credit card, giving me a choice of three different options, each of which had a $25 annual service fee. So they spent all that money sending out notices, and, in fact, I feel that it was a veiled marketing ploy. I am going to switch banks soon. Chase is absolutely nothing like Washington Mutual once was.

I know that if I personally issue a stop payment, I am responsible for the fee, why is it different for Chase, especially when the refund was not in dispute. I am always current with them with my bills, and the one time they could do something in my interest, refund the bank fee, they state some policy. I am tired of banks and credit card companies sticking it to you whenever, wherever possible with no recourse. I will be canceling the card, but I will of course take a hit to my credit as a result.

When I called customer service, they stated that they cannot refund the fees and that I only made four purchases. Okay, that's fine. I then asked to close my account. At this point, they cannot, as there is a transaction pending. So what shall I do? I have transferred all but $6 from my account because this is considered a new month and if I don't make the 5 purchases, I have to pay the $6 fee.

Well Chase, you have won, a whopping $12. I hope that you use it well as I will never again use your bank again. I've already closed and paid off my credit card with your company and will stay clear of your bank for all future financial purposes.

I'm including this on every website that I can find. After all, as a consumer I want to make sure I get my $12 worth.

Even though my credit rating was 788 and growing every month, Chase closed all my Chase accounts without notice. I immediately called Chase and suggested these cards be reinstated, brought current and we continue to profit from our relationship. Chase refused. I feel I had done nothing wrong and did not deserve to be considered a "bad credit risk" as Chase explained. My credit has plummeted from 788 to 346 and avenues of new credit have been destroyed.

I'm now wearing a 4 inch round lapel button that says "Ask me about my Chase Bank Story!" so I have an opportunity to relay my saga several times per day. I have also been asked to speak in front of some movers and shakers in the real estate industry and this saga is met with much laughter and applause. Generally, after my deliverance, I am approached by several attorneys and real estate moguls applauding my stance and offering supporting advice. I find many such instances of similar behavior listed on the internet, "Chase Bank, Consumer Complaints"

I immediately checked online and show that 2 ATM transactions where done with what they claim is my card. I did not use my card and no one else has access to my cards and now Chase is claiming that since this 2 transactions were done from an ATM and withdraw with a PIN number, the charges are valid and will not refund me my money of $960.00. I need help to figure out how to get my money as Chase does not want to refund me this money. My rent is due on every 5th, the check that I have made for my rent has now bounced and my landlord has now given me an eviction letter to pay or quit with in the next 3 days.

We then started negotiating with WAMU for loan repayment plan and a loan modification request.

We filled out all the papers and started the loan modification process. We didn't hear from WAMU, and every time we called they told us they were missing info and they would give us another fax number to send it to. After faxing the requested document I would call to make sure they received it and was always told they did and now had everything (I kept all fax receipts and FedEx receipts). Only to be called a week or two later and told we were missing info and threatened to be put us back in foreclosure. We went through this several times with them. Each time they told us we were missing different info and we needed to send it to a different place. We thought they were working with us.

On April 17th we were served with foreclosure papers. When we called WAMU no one knew anything and no one ever called us back. On April 24th we went to WAMU's attorney listed in the foreclose papers. We met with Angela V. of Shapiro and Fishman. She took our letter of response and all the other information we had. She told us we had submitted our response in the 20-day required time and she had notified the manager at WAMU who handles repayment plans and they would be in contact with me. She told me not to worry, the foreclosure would be put on hold till we worked out a payment plan. In May I called her back because we still had not heard anything. She told me everything was alright, they were just backlogged. We should her something soon.

On 6/1/09 we received a letter saying we were approved for a trial payment plan. We were told WAMU would work out a permanent repayment plan if we made the next three adjusted payments. We paid the last month early and called to check on our permanent dollar amount. The person told us to continue to make the same payments, most likely that would be our adjusted amount and we should receive something in writing soon. We asked about our loan modification request and were told it was still being reviewed. We asked to speak to the negotiator and she said she would email him to call us because they could not give his number out.

In October we called again because we still had not received anything in writing and we did not know the status of our loan. They told us we were paid up to date and we should get something soon. We again requested a call from the negotiator and were told the same thing. We called again in November because we still hadn't received anything and was told the same thing by WAMU. We called on 12/2/09 and were told the loan modification was denied. We should be receiving a document in the mail to explain everything and tell us what our monthly repayment amount would be.

We called in January because we still hadn't received any information and we were told it was in the mail. We called 2/5 and we were told we were in foreclosure with 12 months past due on payments. Unless we pay $12,000 plus, our house will be sold. When I asked how could we be 12 months past due when we have been paying our adjusted payments since June, the WAMU rep said everything was denied. WAMU did not have to put anything in writing because we were told over the phone on 12/2. I told him we were told on 12/2 the modification was denied put we were in a repayment plan. The rep said we had to pay or the house would be sold.

Basically, they have been pretending to negotiate with us, leading us on with lies for the last year while they moved forward with foreclosure. If I had known they were not being honest about working with us, I would have gotten an attorney last February to help us negotiate the loan modification or the repayment. I felt they knowingly mislead us to drag this out for a year, adding more attorney fees and other fees. Since we did not know they were moving forward with the foreclosure, they plan to sell the house out from under us. I have four kids and have been in this house for 25 years, 5 years left on the mortgage with no past payment problems until the economy tanked and killed my business. I need help. WAMU needs to be stopped! WAMU is selling my house! The stress from this mess has made me seriously ill. I spent weeks in hospital and weeks out of work. If this can't be stopped, I will have to tell my kids we have no place to live and no place to go. What happens now?

You have to have a decent amount of money in your account at all times. You do not want to overdraw your account at Chase. At Capital One, you could overdraw your account with a debit card, but if you put enough funds in it before the overdraft posts, you will not be charged any overdraft fees. It's treated as if you didn't overdraw at all.

Chase will charge you for each debit transaction that they approve while your account has a pending negative balance. If you put money in your account to cover it, Chase still assesses the fees. The only thing that is good about Chase is that they will not charge any fees if your negative balance does not go lower than -$5.

When times are tough and you don't have any money to deposit into your overdrawn account, Chase will be the first to kick you while you're down. You will be charged an "Extended Overdraft Fee" of $15 after 5 days and an additional $15 every 5 days thereafter. If you do not have direct deposit, you need to use your debit card at least 5 times per statement (which is easy). Otherwise, you will be charged a $6 service fee at the end of the month. If you write checks and would like to have image printouts on your statement, you will have to pay $3/month.

The fees are difficult to find online, but they're available for public viewing on their website. They take all your fees and spend it all on great features that make it almost worth it. If you are responsible with your money, Chase is OK.

In addition, they charge now $66 for any overdrawn check. I have been with WAMU over 30 years and never had the kind of problem Chase is creating. Is there any help out there to stop Chase from doing this? What government agency needs to be contacted to get help? I understand that we bailed them out with our tax money.

I recently moved to Los Angeles, and my company banks at Chase, so I went in to open an account only to find out I was reported to check systems and couldn't open a regular checking account but a temporary version which doesn't allow check writing at all. It was explained to me that they never received my letters (What a shock?), and the accounts had gone overdrawn by a few dollars, to which instead of calling me about, Chase added $95 in fees bringing the grand total of debt to $135. The cut-off for them charging off accounts is $100.

I went ahead and paid the $135, even though that sounded a bit ridiculous, and then he opened the account under the promise that after a while, they would tell check systems I was in good standing and remove any restrictions.

On February 2, I went into the branch to get a cashier's check made out to my new apartment complex to pay my rent and was notified that Chase has taken $149.00 out of my account without my authorization or knowledge, because they had also charged over $100 in fees on my "closed" business account. Apparently, they feel it's better business to get you to deposit your money and then steal it from you, than be upfront about any debt they claim against you.

Not only is this unethical, but isn't it illegal? Why didn't they disclose this to me when I opened the account that they claimed this additional debt? I asked Zonas **, who was the account rep who dealt with me this question and was simply told, "We are running in circles here. It is what it is. I'm sorry you feel this way."

So let's recap. They claim they didn't get my letters conveniently, so they could charge me over $200 in fees. And instead of contacting me, they just ruined my standing with banks. Then when I went in to re-open my account and even paid the stupid debt which I disagreed with, they then claimed additional debt and stole from me. I didn't have money to cover my rent and had to borrow from a friend.

It was not only embarrassing, but this was my very first rent payment. If my friend had not bailed me out, I would have been homeless. My current standing with banks is ruined, because I am now on check systems for the next 5 years for Chase fees that never should have been incurred.

Again, no opportunity to speak to a person, or no mailing address. This is a totally one-way communication that is designed to harass people. I googled the phone number and found numerous websites where people have registered this identical complaint, so I believe this to be extremely wide-spread problem. Two consequences: I am on a limited-minute cell phone plan. These calls and voice messages will cost me money. And, my cell phone is my lifeline between myself and disabled family members. If my phone rings too often at work, I will no be allowed to have it available for true family/important calls.

We told him this was our attorney's check without a limit and we had check the same amount at another branch a week before, but if they have a problem with cash we would take the $3000 in cash and the balance in cashier's check. We did tell the manager that we have never had a problem with other branches, only in his. He said why do we go to his branch, to which we responded because it is literally across the street. The manager said, "I know what kind of attorney he is and I am not cashing this check and will call the police". I urged him to call the police since we wanted our money and he asked us to leave. I am sure nobody believes this. I am flabbergasted as to the behavior of this man and this bank. We had to go cash the check at another branch. My dad will also close his account at Chase. We were belittled.

Months went by and I assumed I still had an account with them. It was only after Chase assessed some fee that was non-existent with WaMu to the tune of $4.00 per day, literally draining my savings account, and continuing to do so until they said I was overdraft for approximately $100.00. I did not hear from them at all until WaMu notified me through email that my account was overdraft. After numerous emails with what was left of the WaMu staff along with phone calls, I was assured that my account was closed and that if I received any further notices to ignore them.

Now, mind you, I have never to this day received a single letter welcoming me to Chase from WaMu, I have never received any overdraft notices from Chase. They simply sent me approximately 10 notices via email, and as I was instructed to do by the remnants of WaMu, they were simply placed in a banking folder just in case. Fast forward to last week. I received a notice from a collection agency hired by Chase to collect a further $197.00 in overdraft fees they kept assessing even after I was told the account was closed.

I went into a Chase bank and spoke to a manager who said he felt Chase should return the fees taken and drop the collection, so he referred me to Victoria in Executive offices of Chase. Victoria heard what I had to say, asked me to forward copies of emails I was sent, and found it hard to believe I never received any hard copy from Chase for anything at all throughout this. Today Victoria called me to say that I needed to pay the collection amount to have the debt cleared up, the illegal theft of my money by Chase and the illegal assessment of fees after I was assured the account was closed.

I have also gotten at least 6 letters saying I was in default. I mailed them all the faxes I had sent, copies of front and back of the checks and my bank statement. I had also gone online and emailed them. They emailed back and asked that I give them 30 days (Jan 18th) to look into it. I call at least once a week and keep getting the runaround. When I called last week ,they said they needed until Jan 25th, but check the 26th. When I checked again, they said they were still looking into it. They have had $4600 of my sister's and my money and they can't find it. This whole mess had now ruined our credit ,not to mention my emotional damage.

Well, that department is not Chase, but First Advantage Credco, whose customer service is about the worst in the business or in any business for that matter. If you are not a "member" or wanting to become one, they will not help with any questions and treat you with disrespect. In fact, when I asked to talk to a supervisor, I was hung up on! Well, calling Chase Investment Services Corp., whose phone number is stated on the letter I received, I did not receive any help either! I got to talk to a person who was not interested in helping or referring to a person who could. Apparently, these people are paid by the number of calls they handle and of course, there is no recording of calls for quality of service purposes.

A 2nd instance of this was yesterday. The website stated I had $12.00 in my account. I used my debit card at grocery store for $8.00. I took $3.00 out total of $11.00, then the next day, it stated I was short $0.96 and charge me $35.00 in NFS fees. Their systems are not synced up, which enables them to rip you off. The customer service department pulls answers out of their ** just to tell you something that isn’t true. I went to the bank and talked to the manager. She had a well answer. I told them to scratch, closing my account. How can an ATM give you cash if there is no available cash, and then charge you NFS Fees? I scrutinize my account, how many people don’t. How many others get ripped off without knowing it? Scam artists!

Please note she reported her debit card lost on 12/22/09, immediately after noticing it was lost. During this time $10000 in/out transaction (14 on one day) were made against the account none of which she did. Note she only had $734.43 in the account prior to this. So the bank took that and closed her account. It was verified at the Blooming Bank (Mandy) that the signatures on the fraudulent checks were not hers and that the transactions were not her normal pattern. (This account was basically used to pay her rent while away at college. Her father or I would place the money in the account. ) But they still said she had to pay for all the debit transactions at Walmart in Indiana (140 miles from where she lives and go to college).

I live in Calumet Park, Illinois which is where her bank statements come to, so their reason was she lives within 38 miles of where the transactions took place. Not true and the PIN number was used. Also note on the dates in question, she was in Bloomington,Illinois and working. Chase was informed about all of this. Received an affidavit from bank, has police report, we've talked to Chase Corp Ofc, sent email to Chase complaint office and OCC (Office of Comptroller and Currency). She talked to and received a copy of Regulation E 205.3 and 205.6 from another bank security fraud dept and based on what I read, if I read it correctly, they are not suppose to charge her. I believe they are only doing this to her because she's young.

We've spoken to several people and departments, Jason C, Chase claims dept., Mandy, Chase Bloomington Branch Ofc and Gloria M, Chase Corporate Ofc. We also called Walmart asking for images or videos. They stated that the police has to request that. We've tried to locate the routing number on the fraudulent check. I could not find it. We've tried everything we know. The reason I'm writing as her mother is because yes, this is my child and my name is also on the account.

They kept asking me over and over if I was sure I hadn't made this purchase (in the city I have never been to), then asked if I could just put my husband on the phone so they could talk to him (about my account). After contacting the merchant (who was very understanding and helpful), I contacted Chase again. The merchant rep gave me her name and direct phone number and said the Chase rep could call her. She said it is their responsibility to open a claim and she would tell them that. I was finally sent a claim form to fill out and return electronically, and told I now have to wait while an investigation is conducted. Since I was basically accused, blown off, and called a liar by Chase, I don't hold high hopes of getting my almost $200 back. This is very upsetting and we will be getting a new bank once all this is over. It is not a wonder that people think banks are crooked.

I went to the branch to find what happened. My statement said, "Amount withdrawn to another account." The woman I first had contact with wouldn't discuss what the other account was without the other account holder being present. Luckily, I had my son come with me as I expected this hang up. She then tried to explain, rather patronizingly, how the bank had the right to take the funds as my son was listed as a co-owner of the account. I still can't see how Chase could come into our joint account and remove funds that belonged to me. I'm still not sure they "have the right" as how could they know whose money they were taking? After a couple of go-arounds, I simply said "Close this account, right now." I will no longer do any business with this company.

I asked someone else at the branch to have him to call me to reschedule. I never heard a word from Mr. ** but did receive a statement from Chase a month later informing me that he had sold off everything in my IRA and purchased new stocks. I was never consulted or even informed of the change. I filed a complaint with Chase, it was investigated and Chase's final word was "Mr. ** did nothing wrong and acted in his client's best interest." When I pushed, I was told by Chase customer service that they would no longer address the matter or respond to future inquiries. I recently filed a complaint with the OCC and they are handling my case. This happened nearly one year ago and I will not let it go nor will I close my account until Chase accepts full responsibility.

I am 50 years old and knowing that someone who I'm supposed to trust could sell off everything in my IRA without notifying me is outrageous. What's even more outrageous is the poor attitude of Chase Customer Service who, at this point, simply annoyed with me. They are insisting that this is simply a case of 'miscommunication' which is ridiculous since there was never any communication to begin with. It is interesting to note that when I first filed the complaint, I received phone calls from both Mr. ** and his supervisor Avi ** within one hour. I refused to speak with ** and all ** tried to do was get me to sign a trade agreement for the trade that had already taken place. Beware. These are bad people and they're handling your money.

Subsequently, I made purchases assuming it would charge to credit. Instead, I found out 2 days later when checking my account online, it was taken out of my checking account and subsequently, all the checks that I had already sent out began to bounce one after another. Each time, I was charged a fee. Initially, $25 then $39 three more times. I had to withdraw money from my savings account and kept depositing into the Chase account so that I could get ahead of the bounced checks. I had to make 3 deposits in all, one for $160, another for $75 and another for $50. Plus all the fees. My account was a virtual mess after only one month usage.

I am furious and outrage at this. If it was explained to me correctly about the Debit/Credit card situation when I asked, none of the rest would have occurred. So I have put my card in the drawer, never to be used again and I have no recompense for my stress, money loss and aggravation all this has caused me. All that was needed to be said is "all of it comes out of your checking account". And I would like to receive the $125.00 offer at the very least.

After not hearing anything 5 days later, I called claims once again, only to be told my claim had been denied. I asked why, and was told that since the disputed transactions occurred very soon after my last authorized transaction, and the correct PIN was used each time, that my claim had been denied, because Chase believed the transactions must have been authorized. I was told I would need to provide proof that it was not me making the transactions. I asked if Chase could review the ATM videos, and the representative told me I should go to the corresponding banks to the ATMs, where the theft occurred and ask to see the videos, and then have the banker there contact Chase Claims Department, and explain that it was not me who took the money out.

After a little investigation of the addresses of the ATMs, I found out that one was actually at a Chase ATM. Before I could call again, I received two separate letters in the mail explaining that my claims had been denied (the claims were divided into two sections for some reason). A direct excerpt from the letter reads "you are welcome to view the research documents used in resolving your claim". I found out that is not the case at all. Upon calling in to the claims department, I first talked to a representative, who could not answer my questions directly, such as "since the transaction occurred at a Chase ATM, can't you just look at the video, and see who was making the transaction?" Since it was definitely not me making the transaction, it seems pretty straight-forward to me that it was not an authorized transaction, right? Wrong! I was connected to the first representative's "supervisor", named Gary, who was to answer (or rather, avoid answering) my questions.

I asked him why my claim was denied. He said it was because it met Chase's criteria for denial. I came to find out, they never even looked at the video. They simply took a quick look, and denied it, since the thief had my PIN. I asked whether it would make a difference if I filed a police report, and had the police department directly request the video, and when it clearly was not me making the withdrawal, my claim would be approved. The answer was no. It wouldn't even matter if someone else is in the video making the transaction, because, as Gary put it, I could have "compromised" my PIN to this person, and basically, they could have been withdrawing money on my behalf. So basically, what it comes down to is, Chase does not believe me that a fraudulent activity occurred. It was your fault, so too bad.

I asked Gary if he had ever heard of the Electronic Funds Transfer Act. He said this didn't apply, since it was not an electronic funds transfer. I said it does apply, and that since I notified Chase within two days of the fraudulent activity, that I should only be liable for $50 of the charges. He said it doesn't apply. I asked him what it does apply to then, but sadly, Gary did not know. It was "outside his area of expertise". Okay, well then whose area of expertise is it then, Gary? Not the people handling the claims, obviously. I was told there was nothing I could do to have my claim approved. I concluded the call by kindly notifying Gary that Chase had just lost all of my business forever, which they have. What a joke of a company, blatantly crooked. Time to shift everything over to my trusty local bank, where I know I'm a valued customer. $856 of fraudulent withdrawals from my checking account.

Some checks that may bounce because they were sent out previously are my credit card bill and rent. I am presently traveling and have incurred substantial long distance charges on my phone and hotel bill calling Chase and making arrangements with family members at home to wire me money in order to have sufficient cash to continue my trip and not be stranded in India without sufficient cash until my return trip home.

Chase Bank Claims Department agreed that the transaction was an overcharge and that I would receive a credit of $99. I recently received a letter from Chase stating that their research was completed and that the transaction was legit. Basically, that the charge of $109.90 was correct (even thought the item purchased was only $10). So, not only did the merchant make off with $99 of my money, but Chase failed in fulfilling their professional obligation of protecting me, a customer, and failing in standing by the policy of "FDIC" insured.

And Chase won't do anything more to help me.

I was a victim of check forgery through a Craigslist job posting. I had two jobs already when I applied for a third job to cover all my household expenses. Turns out that it's a Nigerian scam that has people working for them all over the US as well as UK, per the detective assigned to my case. The individual who scammed me called himself "Richard ***" and may also be using "Richard ***." He advised me via email that he was out of the country and needed a part time assistant to take care of a few errands on a monthly basis. After finding out about the first cashier's check, I informed all departments as well as filed with FBI and LAPD. It happened right before the holidays so my case was put on hold as there was no one that could work on my case until after the new year.

I was happy to be a WAMU customer for over 10 years until Chase took over and it's been nothing but horrible customer service and no call backs. The branch manager made a mistake by not verifying the forged check even though I asked him to and he made me wait 25 minutes in the branch so he could call the bank the cashier's check was drawn from. Alex, the branch manager, came back to me and advised me that the check was good and it would take less than two days for it to be available to me so I could withdraw and run all of my "boss's" errands. Alex's assistant manager, Angela, was amused by what had happened to me and advised me that she had not felt comfortable releasing the hold on the check but she went ahead anyway and shredded the copy of the cashier's check!

After this, I received two more forged checks that I personally called on two different banks and was advised (in less than 5 minutes) that the accounts did not match the customer names and they were investigating this on behalf of their clients. I am still shocked that it took me less than 5 minutes and it took Alex, the Chase bank manager 25 minutes to give me incorrect information about the first forged check that was unfortunately deposited in my account. I hold the bank as well as that specific branch responsible as I did my due diligence and advised the manager that this was a new job and I wanted to make sure that the funds on that check were good.

Zero funds for the holidays, late payments on bills as well as late fees. Collections now reported me to Chex Sytems and advised me that I have to pay back amount that I never used (have all the documentations) as the bank feels that it was my responsibility to make sure the check was good before using the funds for my "employer."

A week and a half later, my account was negative for that amount. I called both customer service as well as fraud department and advised them about the fraudulent or forged check and went to the branch to speak to the branch manager. Alex, the branch manager was on vacation and so I spoke with Angela who is the assistant manager. She listened to what I had to say and said that when Alex had shown her the check when I have asked him to verify it, she felt that it was forged but did not say anything. Also, she went ahead and released the funds and shredded the copy of the check even though I had asked them to verify and call me as I was getting late to work.

My account was negative a week before the holidays and Chase went ahead and took all the money I had in the other accounts which were joint and never advised me. After Christmas, I went to visit Angela at the branch as Alex was still on vacation, she was less than helpful and I waited two hours at the branch after which she called me over to her desk and dialed customer service for me as she could not assist me. While I was on, she and a co-worker talked about personal matters and I feel I should have been privy to all this.

I left numerous messages to one of the collections associates who called me a day later. I have yet to receive a call back after all the messages I left for her. Last week, Chase reported me to ChexSystems even though I called all departments necessary to advise them that I have reported this to the police, and now I am waiting to have all the documentation mailed to me as well as have a detective assigned to my case. Due to the holidays, it was delayed as there was no detective LAPD could assign to my case.

I met the detective yesterday and he advised me to send all the paperwork to ChexSystems and call Chase as well. I faxed as well as mailed the paperwork to ChexSystems and called Chase to inquire why they went ahead and reported me when I had asked them to wait for the police report, etc. They advised me that I am responsible for the money I never used and now have to pay it back plus that they did not need the document as ChexSystems will contact them regarding my dispute. I have and have had no money since December 18th. I was late on my payments as well as had a terrible holiday which was spent on the phone with LAPD, FBI, and of course Chase. I am also unable to open or have any accounts with any bank due to the negative report about me on ChexSystems.

So I called ten times in one day, only to be put on hold for 20 minutes, disconnected at least 3 times, or have reps tell me they couldn't assist me, because the system was down (due to the bank double-charging customers for purchases in Nevada and California). Finally, a claims rep got on the phone and told me he needed more information--copies of receipts. I advised him I already sent in receipts.

He then put me on hold for 10 minutes, and then another rep picked up the phone and asked if he could help me. Instead of repeating my self for the 10th time that day, I requested to speak with a supervisor. Finally, after another long wait, a supervisor by the name of Rose ** took my call but was not able to help me. In the end, I never got my refund. Terrible bank. Terrible customer service.

After 15 minutes on hold, I got Ruth ** on the line who repeatedly told me I would have to call the merchants directly. I tried unsuccessfully reasoning with her that it was Chase's fault and not the merchant’s. Since she refused to budge, I asked to speak to a supervisor, so she put me on hold. After another 15 minutes on hold, she informed me that it was MasterCard's mistake, not Chase's, and no supervisor would speak with me.

As of this writing, all of the overdraft charges and double billings ($432.45) are still on my account. My account is in the negative, and I have one outstanding check, which will incur more fees, not to mention the return check fee, which the recipient will have to face.

All was fine until one day I checked my checking account and found I was negative in the account for a returned item fee. I received mail from Chase stating I had been charged with a fee for returned item of $33 and then received another letter from an account through Chase that I did not recognize saying their payment had been returned for NSF and I was charged a fee. A couple days later, I received a letter from Chase stating that they had taken my overdraft line of credit and converted it into its own account and had given it an account number.

I called regarding this account and they explained to me that Chase had changed the policy and opened a new account for me using my old overdraft line of credit and that I was setup on automatic payments. I told them i had not authorized this and his response was well that is the way it was setup and that is the way it is. I told him I did not think it was right and I thought they were double dipping. I have been trying to resolve this problem with Chase and have been getting the runaround. The past 4 months I have gotten returned item fees from the bank at $33 and then fines on the account for returned item fees. My account is negative and they are threatening to charge a $30 charge off fee on my checking account which I am refusing to pay as I never created a new account and I never authorized auto pay for this account.

On 12/30/09 a letter was generated within Chase notifying me of the mistake that was made, I did not get the letter till 1/9/10 ten days after the mistake was made. I keep my checking account low so if somebody gets my numbers they don't have much to steal. For 20 years I have 3 overdraft occurrences with Washington Mutual/Chase and all three were bank mistakes and 2 of them were with Chase within 6 months. This all could have been avoided if 1. Chase did not use electronic scanning to read hand written bank slips. 2. Chase called me on the phone LIVE. For some reason people do not like to use the phone anymore. 3. Chase did not generate the notices 3/4 across the U.S.A. I believe Chase is using the slow (10 days in my case) mail to generate revenue.

I expected this kind of moronic evil behavior from a bank that Morgan Stanly owns that’s closely tied to ACORN and the radical left wing. After all it’s been proven Morgan Stanley illegally manipulated the oil market into the 5.00 a gallon gas Americans paid a few summers back. The way I do my banking is not the "norm" I am not poor by any means. But I calculated the amount I would spend on Christmas presents by using my balance told to me on the phone via the 800 number IF I had know about Chases Mistake I would have spent less. In the end I would have never had my account go into the red.

The next day, I was checking my check account at Chase Bank and noticed that the 197.00 had been withdrawn, so I went to the bank to speak with a representative. I had also contacted the police, and they told me to get a fraud affidavit from the bank. The rep at bank took information down and said the funds would be returned to my checking. A week later the funds were returned, only to be taken back out by Chase shortly after. I was tired of feeling ripped off by Chase and the internet company and tried to close my account with no cooperation. Finally it was closed, and the bank manager said we were even, no outstanding debts.

About three months later, just a few days before Christmas, I received a collection notice that is for $197.00 and go back to the bank to try to straighten it out. The manager told me, he didn't have the affidavit form and without it, I couldn't make the police report. I made a total of seven trips back and forth to chase bank. I made numerous calls to their claims department and corporate office. I never received the Fraud Affidavit and the complaint form that was filled out was not notarized correctly; the notarized area was on a separate page and didn't show proof of what was actually notarized. I have never had such poor service in my life and my credit has always been excellent.

Chase bank is ruining my credit and state that if the charge isn't paid, they will notify Check Systems, and I will never be able to write checks again. I am in the process of getting a divorce, because of all the ID Theft and fraud that has been committed against me. If there was a way to sue Chase Bank, believe me I wouldn't hesitate to do it. I have contacted the Attorney General, the Internet Crime Center, the BBB, and the Washington state Department of Financial Institutions with complaints.

I received a letter from Chase Bank in October 2009 that bank will continue the same service like WM bank, but Chase bank changed the agreement and disclosure for IRA CD. They automatically renewed my CD in October 31, 2009 for 12 months. They said, "You do not need to sign anything." They renew CD for 12 months without my agreement. My term was 1 month. If Chase bank continue the same service, then I agree that I do not need sign any paper. But Chase changed agreement and term, and we must sign new term CD agreement (new name of the bank, new service).

Letter from Chase bank. This is not document. My understanding is that I sign with WM bank every time there's a new term. Why does Chase not sign with me a new agreement? This is IRA, not regular CD. Now I can take money from bank only with penalty. (I have lowest % ever.) And I can't transfer money for better bank; I need to wait for 12 months. Why does the bank do this without me? Thank you. Arkady **

When I asked why the amount was withheld, the managers I spoke to couldn't give me a real reason, only that "sometimes the system will flag a transaction and put a check on hold until it's cleared". When I asked why on earth my payroll check would be 'flagged' when I've been depositing the same checks for over 3 years with no problem, and other checks from the same source were deposited at the same time, they couldn't give any reason or answer. When I asked why just part of my payroll check would be held, the answer was even more ridiculous. The manager told me that because the check was from a known source, it was partially accepted on 'good faith'. Huh? So why not the entire amount? No answer, no reason, no explanation other than 'it was flagged' for some reason.

They quickly credited my account by the missing amount from the check- only today by the way, after a full week, and only because I complained but I was told they could only refund me two of the eight overdraft amounts, and -the clincher- that they were being 'kind' to return to me $70 of my money while they kept $210 based on fees they'd manufactured out of thin air. Normally, I was told, they wouldn't return any of it.

I've closed my account with Chase. The main damage done is only that I realize my money is not safe in their hands, as I now realize they can invent ways to take sums of money from me at will, and then leave me little if any recourse to get it back. I feel I was robbed by the bank.

I was very embarrassed, because every single customer was looking at me being treated wrong, and this branch is the closest one to my house, and I will be embarrassed to go there again .

I asked Mr. ** how Chase could justify this as a favor if it cost me $210 and netted them $210. He was unable to answer so I called the Houston Executive office this morning on December 30th, 2009 and spoke to Jodi **, an account executive. She too stated that Chase had done me a favor and could not go back and undo what they did; however, they were able to go back somehow and remove the funds I already spent on December 23rd to pay for a charge that came in on December 28th, five days later. I asked that they charge me the one overdraft fee for the purchase that had come in on December 28th, 2009 and remove the overdraft fees they assessed on already approved purchases made on December 23rd, 2009.

Over this past year, Chase has charged me almost $1000 in similar so-called overdraft fees after telling me I had the funds available and approving the purchases I made, only to have them go back at a much later date and charge me multiple fees, rather than one fee for the one item in question. I am currently unemployed and cannot afford their costly favors. This has to stop.

I complained about the first girl who called me at work and told me I was a non-paying deadbeat, who knew I owed the debt and just wouldn't pay it. I'm sure she was given a commendation for her nasty efforts. Then they began calling my co-signer. Mind you, I have spoken to them several times in the last month. My co-signer is terribly ill and had to call me to tell me they had called her, when they didn't even try me that day. Now since I have set up a payment, they continue to call me everyday and my co-signer, who is quite ill. I have asked them repeatedly to stop, but they continue to be rude about it.

Also on their third call of the day today, I found out that my forbearance (for economic hardship) was denied because they can't see an ability to repay. This information was never disclosed at the outset of my obtaining this school loan. I would have gone elsewhere had I known it (or as the polite young service rep put it, "Why would we tell you how to not pay if we want you to get a loan?"). I thought that the reason for forbearance was that you could do so for a short period of time while job hunting, which as we all know is going quite badly. I am disturbed and disgusted by their bullying behavior. The constant harassment is beginning to take a toll.

They had made 3 attempts at foreclosure and have damaged our credit all the while. We finally sold our home in July 2007 for under market value, as the credit damage did not allow us to simply re-finance to escape them. We had a case in District Court of Colorado to try and force them to fix our credit and receive some relief from the monetary damages we suffered in the matter. Then the FDIC stepped in. At that point, we were informed that we needed to file a claim with the FDIC, only to have it rejected and that we needed a judgment from a Federal level to present to them for payment.

We are not sure what we should do at this point, as we have spent approximately $60K and not even had a single day in court. I would like to get an honest opinion of where we stand and if this is a fruitful endeavor, or if we should just "cut bait" at this time. The actions of Washington Mutual are criminal. But with them in receivership, I am afraid that they will go unpunished and we will just throw away more money to get in line for a "possible" payment of our claim. If you would be willing to discuss this matter further, I would greatly appreciate your assistance and input. Thank you for your consideration.

Then a couple of months ago, my debit card number was stolen. I was assured that no fraudulent charges would be charged to my account. However, there was a couple that even though I had stated they were not my charges, they still cleared my account. Then there were the 45 overdraft fees I have been charged in the last 20 days. 45 at $34.00, anyone can do the math. I don’t know what to do. My small business is going to have to file bankruptcy. My 11 year old son went without a Christmas. They maintain that they have helped me for my allotment for the year.

I want to know how do they get away with charging more in fees than my business can make in a single month. I am being forced to seek food stamps. This is not right. I make enough money each month to support myself without assistance. But because of Chase Bank, I am now unsure of what my future will be. My child had no Christmas. I am being forced to seek aid through the state. I don’t want this. I have been unable to work since this problem started. I am unable to purchase materials needed to make the money to support myself and my son. Advice or help of any kind, please.

When it still didn't show up on my account, the 100 dollars, the promised extra money they would put in, I called to find out that it would not go into my account for 10 business days. I counted up 10 business days, and you guessed it, no money. Now they say I am 19.00 dollars in the hole, because they charged me 25 dollars for a leisure rewards annual fee. I knew this offer was too good to be true. They wanted me to close all of my other banks and deposit my money into theirs. I said no. I am glad I did, or that money might have come up missing.

I requested to the young gentleman that my account be terminated without the possibility of reopening it. Prior to canceling the account, he also gave me a list of my regularly scheduled automatic payments. I needed this information to send them payment in advance and reroute to my auto pay to another account (which I stated to him as he listed them for me). Chase reinstated my account and paid several merchants from the account for reasons unknown to me. The account currently has a negative balance of over $400.

I also informed them in writing that one merchant identified as "Shopbilly.net-Dubai" posted an unauthorized charge of $21.54 on January 8th, 2009 after the account was closed back on December 5th 2008. I vehemently dispute all of these alleged debts in their entirety. I demand that they apologize for ignoring my attempts to rectify this error they made. I further demand that they correct their records to reflect the account has been cancelled with a zero balance and my name be removed from their star list (listed & unable to open accounts with any other financial institution - per Chase Bank). I have been greatly inconvenienced.

I even spoke with a supervisor and she told me the same thing. I told the supervisor about the column in New York Times informing people about how they were not going to charge IFF if it was less than $10 and she said that was unheard of. So I am sitting here feeling defeated and all I wanted was to have my $70 refunded to me. I need my $70. They don't need the money so why are they stingy with my money? I have to feed my family and give them a good Christmas. Chase obviously does not need $70 because they rake in millions and millions of dollars. It makes me so mad.

About 30-40 min. later, I got an email saying that my dispute was denied for no specific reason. I called back to see why. I spoke with someone named Nelson, who by the way was very rude, and told me to file a police report, to let them investigate the case, get the recording from the ATM, send it to them so they can see that it was not me on the camera, and only after that will they re-open the claim. I went to the police station to file one but they didn't take the claim since they needed a letter from the bank to open the case. I called back and spoke with someone again, and the guy sent me a questionnaire to fill out and send back to them and said that I can use it for police report as well.

I filled it out, sent it back to them and went to PD again, but they said that it was a questionnaire for me to send to my bank and they can't use it to file a report, so I called the bank again on Dec. 12, 2009 and was told that they got the questionnaire and within 48 hrs, money should be back to my account. Three days later, there still is no money in my account. I called back to see what the problem was this time, and I told the girl what I was told the last time. She couldn't find any notes there, and said that my claim was denied on 12/05/09 and it was not going to be reopened because by their criteria, I fall into some category that was being denied such claims. **? This is the first time this kind of thing happened to me! They said that my money which was stolen from their bank is not going to be returned to me. So I asked what I should do to solve this. Their response was, "We can't do anything else; your claim is closed and can't be reopened."

I went to the Tukwila, WA branch and worked with banker Amber. I filled out paperwork (account compromised notification) and was told that the account is on hold pending investigation and I will be called with the results. I was notified via phone that they could not locate the company and bank that issued the check. It came to conclusion that it was a fraudulent activity on the account and resolved not my fault and it was going to be written off. I was not informed; otherwise, I owed money. I received a statement by mail on the write off amount of $900.00. The bank told me that is what they were to do and that was as of Oct. 27, 2009 statement.

I have another Chase account and recently added my spouse. I was accused of opening new account by the account recovery with Chase to avoid the write off balance that again is not my fault. So I spoke to Patricia at the Tukwila, WA branch and was asked why we had a joint account. Well, that is what married people do. If I owed that money, I was not informed. I told account recovery and Patricia that a car check was issued to Credit Acceptance to pay for car ($330.89) and is going to post on 12.18.09. But they took all money left in account for car payment and my utilities, leaving me no money.

Now, all transactions that were pending left our account at a negative $445.04; account was charged (4) $35.00 NSF. We want the money back. We don't make a whole lot of income. We will get evicted from apartment. We can't pay for childcare. No gas money. The car gets taken away. If we have to pay, a banker should have said - and not debiting all the money. That is a heartless move; before Christmas, they took all money. We will do payment arrangements. Out of 6 people we spoke to, no one wants to work with us.

On 10/15/2009 I was talking to a representative that had no customer service skills, therefore I asked to speak to a supervisor and I did. Her name was Sam - excellent customer service. She told me that once the trial modification was canceled to call every week so that I could update my financial information. We called every week until today no one wanted to take the information. Please help me keep a family in their home. I see this everyday. I am filing complaints with every single government office because this is unfair a servicer that simply cannot do the job for the investor and families paying for it.

Calling them on the phone was a joke. They told me I called the wrong number, as I got personal checking instead of business checking. Geez, this is the number on my business checking statement, they transferred me. I explained the situation and said I wanted to close the account. She said, "I am sorry, but you cannot close an account unless you have a positive balance." Well, if you remove the $43 in service fees, I do have a positive balance, close the account. She hung up on me.

Chase sucks. I left Bank of America 17 years ago for similar fee BS and I've never been back. Once I get the fees with Chase straightened out, I'll leave them too. If they don't remove the fees, the account can just sit there with a negative balance and never get used. I am not giving them a dime!

I have a Wal-Mart debit card and when I use this to make payments or debit transactions at the same merchants, the payment gets processed same day and immediately. I have a Carl's Jr. debit transaction done Thursday, 12/10/09, and it just processed through Chase Bank this morning and an Arco gas debit transaction done Friday, 12/11/09, and it also just cleared this morning 12/15/09. Both of these showed up on Chase’s online banking since Friday as pending transactions but did not get processed or withdrawn until this morning, 12/15/09. Then they transfer money between my account and my son's account (as my name is on his account) if one of the accounts is negative, therefore causing both accounts to become lower in funds and causing more overdraft fees. This is a scam and unfair. I've had numerous monthly overdraft fees from $200.00-$693.00.

The manager finally waived the fee suggesting that in the future, I take the check to my own bank to deposit. I explained that that was great but I was going shopping and needed the money now. She then went on to explain that the bank needed to charge this fee to help cover overhead. With that, I laughed and so did the folks who were waiting in line. It's legalized loansharking and frankly, I am running to my window, throwing it open and shouting - I am not going to take it anymore! I left feeling beaten, defeated by a big business. What or who will stop them from charging $10 or $20 or $50 to cash a check? They call the shots and no one seems able to stop these arrogant businessmen from filling their pockets with bonus after bonus. I am frustrated and defeated. Help me!

Chase is completely incompetent about the whole telephone banking thing. I am not even sure what is the correct information, as I do not work there, but I have an idea. Sometime back in August, there was a new message on the telephone banking number that said that you will have to change your PIN for telephone banking to the same PIN on your ATM card but the way it was presented was that it did not need to be done immediately. Well that was not true, I could not go any further through the computer system before changing the PIN. Before I entered all of my ATM PIN I thought, wait a minute and refused. I picked a different number and it took it anyway. I went to the local branch and spoke with the branch manager about the potential security issue this would create. You have two access methods to your account, the account number and your ATM card number.

Previously with WaMu, you could use either and your telephone banking PIN and get your account information. Even prior to that under WaMu, they would take your last 4 of your social. So while someone picking up your phone signal would only get the ATM card number, they would not have the PIN. Nor did Chase have your ATM PIN, so I was told. They said they have no access to your PIN stored on your ATM card. So to me, this looks like an end-around PIN grab by Chase Bank. With the telephone banking thing, it’s very insecure at the very least on your end, and quite likely on their end. In fact, I'm sure that some telephone banking rep at Chase has my current PIN if he knows phone tones. The branch manager assured me that what I did would be fine, that my 'random' PIN would still be used from here on out and that I would not have to use my ATM PIN for the telephone banking.

October 26th had come and gone, and using either my account number or ATM card number and my 'fake' PIN allowed access to my information through telephone banking just fine. As recently as November 23rd nothing had changed, as I had used my ATM card number and my 'fake' PIN to access account information. On November 27th, I decided to weather the Black Friday storm and buy some stuff. At 5:30 EST, I called telephone banking, entered my ATM card number and my 'fake' PIN and the computer told me that I had entered incorrect information and to try again. Since I was on a cell phone, (not real secure or clear either) I thought maybe the cell signal was bad and the computer did not pick up the tones so I tried again. Nope. So I entered my bank account number and 'fake' PIN and was again denied and then it said I could not access telephone banking at this time, please call back during normal business hours 7am-9pm M-F to speak to a representative. Great.

So I try again and again, no luck. I get to the register to pay for my stuff, and my ATM card no longer works. It’s being denied, "Max Retry Error". I tried twice, it did not work. It’s insulting. People are waiting in line and my ATM card is saying denied on an account with plenty of funds. So I wait till 7am, call the telephone banking number and the computer is still telling me nobody is there. I start randomly choosing numbers, no luck. I finally call back and ask to report lost/stolen cards/checks/etc. and get to a live person, and she says to me "everything is fine with your account" and that if I use my card later, I should use it as a credit rather than debit if it does not work.

So later that day, I go to use the card and guess what? It did not work. I asked to swipe as a credit and that worked, so I call Chase again. This person tells me that a hold has been placed on my account for 24 hours for entering the wrong PIN number (I did not) and that there was no way this could be removed, not even in a branch. Can’t, can’t, can’t; the only word in this supervisor's vocabulary. Today, December 8, 2009, I decide to find out what’s going on and visit my local branch and speak with the assistant manager and account manager there. First, I call telephone banking to confirm for myself the following: if you use your account number, enter your telephone banking PIN; and if you use your ATM card number, enter your ATM card PIN that they supposedly have no access to.

So at the local branch, I explain all the issues I've had in this short time to the manager. I have had the same account since 1989 and just now, I'm having all these problems with the bank. She expresses regret, apology, and says they will help. Then the account manager gets involved, calls Chase telephone banking, and assures me that they can assign whatever PIN I want for the telephone banking and that it does not have to be the same PIN as on my ATM card. Great. They also insist this all changed on October 26th but I know for a fact that is a lie. So at this time, I enter a yet again new PIN for telephone access after entering my old PIN for my ATM card (both of which the telephone banking rep heard on this conference call) and supposedly it’s immediately active and I'm done. After I get off the phone, the account manager tells me it should work fine but give it 24 hours if it does not work right away.

Skeptical, I go out to my car with my cell phone, and call Chase telephone banking. I enter my ATM card number and my new 'fake' PIN and guess what? It does not work. I use my account number and my new 'fake' PIN and it works fine. What a shock, they do not know what they are doing. So I go home to speak with yet another telephone banking representative. This person, I believe, actually has the story straight. You can assign whatever number you want for your account number PIN. But if you use your ATM card number to access telephone banking, you have to use your ATM card's PIN and this cannot be changed. It’s also "totally secure" to do this, I am told. Sure it is, maybe on their end. When you pick up that cordless phone and dial and send those beeps over the airwaves, anyone within earshot of that signal now has your ATM card number and ATM card PIN, all they need to make a card and easily empty your account. It’s very unsecured and a dumb idea to boot.

So I go to the local branch yet again to close my account. I also went to inform the assistant manager and the accounts manager of their policy so that they can correctly inform their customers of their own policies. Well, they did not care. The account manager went to the assistant manager, came back, and directed me to someone to close my account and walked away. Nice attitude, you do not know your policies and you don’t care about it. You've had a customer for 20 years, and you don’t care about them. You have a real potential security issue and you don’t care about it.

To top this all off, I made an ATM card swipe at a Shell gas station a couple of days ago and it’s still pending, so they cannot even close my account. I'd like to know, is there anything that Chase Bank can do? Sure does not look that way to me.

On December 8, I wake up to find that this was not the case at all! I was still charged overdraft fees. After filing a dispute with Customer Claims and speaking to the Chase executive office, I got nowhere. I knew the date that I spoke with the Chase employee about this new program, but did not have her name. Because of that, they rudely told me that there was nothing they could do. I spoke with Michelle at the executive level, and she was extremely rude. She told me they would not credit me back my overdraft charges, and since I never wrote the name down of who I spoke with, I was more or less just making this up. She finally agreed to send a letter to the West Lafayette, OH branch and see if they knew anything about an employee telling customers this.

Once she got a response, she would contact me but with no name of the employee, I was "searching for a needle in a haystack." After hanging up the phone, I realized that sending a letter would do no good. There were a few branches in West Lafayette, so which one would she decide to send it to, if any!? I will be calling back tomorrow to see which branch she sent the notice out to, but if it's the wrong one, I will give her the correct branch number (#000890).

My point through all of this is, when will Chase ever be held accountable for any actions? They've been bailed out through the government, not being held accountable for any actions but my tax dollars sure are helping them! They have employees making these claims at which point I am considered crazy for thinking that that information would have even been stated to me, and Chase still refuses to refund any overdraft charges because of their employee's actions. I want to see some accountability! I want to hear, "I am extremely sorry, we will be contacting the branch to ensure that they understand where this potentially new overdraft policy stands", and maybe at least one of my overdraft charges credited back to my account!

Whenever the customer makes a mistake, we are held accountable through the millions of fees that they like to slap on everyone. It is estimated that in 2009, they will make $38.5 billion dollars from overdraft charges alone. Their employee makes a mistake, so not only is my tax dollars going to bail out their mistakes, but so is the rest of my paycheck! At some point in time, Chase needs to be held accountable for their actions. They have horrible customer service, they are rude, and feel that they are constantly obligated to take our money because they feel they are doing us a favor. Someone needs to start holding them accountable.