Chase Bank Reviews

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.

Your bank's practices along with the majority of banks' practices are designed to keep people in debt! You can write me a letter back apologizing for the way I feel, then go on to tell me that your practices are fair and the reason you allow transactions to go through is in case of an emergency. One statement **! Banks in the United States this year will earn roughly $39 billion in overdraft fees. You read it right, $39 billion. Then, your customer service agents have the nerve to say that charges go through in case of an emergency!

Here's the icing on the cake with insufficient funds. My girlfriend's account is overdrawn by $0.19. When I called and spoke to a customer service agent, I was told that if $0.19 is not in the account by the end of the business day, a $34.00 fee shall be assessed! I wonder how many people were charged $34 for being overdrawn by under a dollar. I have lost faith in the American banking system.

Our major gripe is if there were insufficient funds in our account for 4 days, why were we able to use our debit cards so many times? We believe they continually allowed the card to be used in order to trap us into racking up transactions for them to penalize us for. The total of the 11 transactions was less than $75 and they took $317 in fees. We subsequently had conversations with three people at our local branch, including the manager, and got nowhere. After calling the corporate office in New York City, we were able to receive the second day's overdraft charges back as a refund. However, the following day we received another $64 in overdraft fees from the day prior as a direct result of the fees they had assessed. A final call was unsuccessful in obtaining any further refund. We are more than willing to provide further details upon contacting us. Please feel free.

Our family of 3 with a baby due in 4 weeks is living on one NY unemployment payment a week. The total of these overdraft fees exceed our entire unemployment payment for one week and were a direct result of Chase first failing to post transactions in a timely manner, and second allowing our debit cards to continue working when there were no funds in the account. This means that we cannot eat or pay any of the bills that were scheduled to be paid this week, in addition to having to go further in debt by borrowing money to survive while trying to sort this situation out. It is my opinion that Chase's corporate policies are designed to both deceive and take advantage of the average family. In a national recession, with unemployment nearing 10%, their behavior is abhorrent and irresponsible.

I went to my local branch and told them what happened, explaining I had never seen or never knew of this card. She looked it up and said I had that card for a few years. She couldn't explain why I never knew I had this card. It was never on any of my bank statements. I had to fill out a form stating the charge was not made by me. After filling the form, she called someone internally and had my card cancelled. She started to set up another card for me and I stopped her. I told her I didn't even know I had that card, so why would I want another card? She was very much like a "car salesperson" saying if I didn't have this card, I would be receiving a $12 monthly fee on my debit card account. I never wanted the card, but she insisted it was the best thing.

About a week later, I got 2 cards in the mail; one about 2 days before the other. The first card that came was the card I never knew I had. The second card was the same type, just a different number. I immediately went and saw this Chase person. I showed her both the cards, which she couldn't describe or understand; but without me saying a word, she had the erroneous card in her hand and proceeded to cut it up: "there, that fixes that". I was blown away. That branch seems very cowboy-ish.

So my thoughts are: did Chase make that charge on "my" card to lure me in? I’m in the process of finding my paperwork as I keep all my financial paperwork. I'm thinking I may find this card and see that the exp. date of the card was close to the time the erroneous charges were made. One more thing, when the lady at the local Chase told me I needed to keep my credit card active to avoid the $12 service fee, she didn't explain I need to make a monthly charge against the card. I used the card in the amount of $1200 the very first month helping an ex-employee. I figured he could make my payments and the $12 fee would be taken care of. Now, I still have to make a small monthly charge to avoid the service fee, a fee that they are still charging me for. I have gone into their bank twice now to have these fees reversed; and here again this month, the fee is on there again and I have used my credit card.

I'm being charge a $150 a year curtailment charge to have my credit line, plus the $12 monthly service fee if I don't use the credit card. There is something wrong about the way this all happened. There's a possibility I did have this credit card and never used it, but I find it suspicious that it had a simple magazine charge against it near the time it was going to possibly expire (I have to look into that). The physical damage is the fact that this bank displays a very hard sales pitch and I feel I have been victimized by their aggressive behavior. Every time I go in, they try to get me to open a personal checking account. I will never do business with them that way; and as soon as I get this figured out and can pay off my credit line, I will never want to deal with Chase again.

During the whole time for 2 years, we received no call from Washington Mutual, only their attorneys' sending that the home was in foreclosure. We did find out that the home was sold in January 2009. But we've searched public records, free and paid, and there's no record about who owns the property. We called back, and they gave us the telephone number to the Recovery Department at Washington Mutual. We called three (3) different numbers: 904-886-6152, 904-886-6153, and 904-886-6155. They were busy. The original number was for Washington Mutual which is 1-866-497-4038. We just keep going in circles.

We have tried everything and sent registered letters which they have signed for, and we got no response. We've informed them that under the president's guidelines, they should work with us to keep us in our home to no avail. We are at the point we are ready to just walk away and cut our losses. Even my mother, who is a dialysis patient, stated it's just too much to bear. We do call to find out this information, and once we get in touch with the right person or persons, will they be willing to work with us to help us keep our home.

The mortgage companies stink - they're willing to give you a loan, but when the money is there for assistance, you can't get the help with good or bad credit. And mine is pretty bad now. But I'm trying to move forward. What is our recourse. Since we purchased the house in 1995, the loan has been passed to many other lenders; but nothing compares to Washington Mutual. Select Portfolio did work out a forbearance agreement, and we jumped that hurdle. But Washington Mutual can't even give the correct information. Has the home been sold? What can we do to try and recover the loan? Finally, who is the owner/holder of the home?

I decided to short sale my home, as I could no longer afford it and because it had lost approximately $330,000 in value. I could not sell it under normal circumstances. I completed a short sale packet for my first mortgage and one for Washington Mutual bank. Within 60 days, I obtained approval from my first mortgage with the condition that the sale closed on 08/31/2009. This information was sent to Washington Mutual bank, and to date, I have not heard from them. On 08/28/09, I called Washington Mutual bank and found that despite the fact that they had been in possession of my short sale request, they could not give me an answer as to whether or not it was approved. I was advised that Chase bank had taken over Washington Mutual and that there was a conversion taking place.

I called Chase bank, explained the circumstances, and was told that Washington Mutual bank still had the paperwork. Due to the fact that we were past the deadline given by the first mortgage, I requested an extension of the loan approval. I was given an extension until 09/18/2009. I called Washington Mutual Bank again and advised them to escalate this information to the person in possession of my loan. The person's name provided was Mr. **. They have had a month to review and approve or deny this short sale. My buyers have been approved for three weeks and have been patiently waiting for the sale to close. I am asking for assistance in getting Washington Mutual/Chase bank to escalate my request for a short sale approval to avoid foreclosure by the first mortgage.

A large sum of our hard-earned savings is not available. Chase has caused undue hardship because we had planned to use the money for household repairs, which have been put on hold. We have a shower in our home that is not operational because we don't have the money to have it repaired. My husband has insisted on doing the work himself because the payment has not come to us as promised. I worry that this may be a long term ordeal. Each day when I get home and check my mail, no payment has come. In the meantime, my husband is on his hands and knees in the shower trying to make the repair himself. We are both in our mid-50's and he has bad knees.

The merchant who has the money is telling Chase, "Take it back." The bank says, “No! You refund the customer!” This is not how it works, though, and AT&T is taking back by how Chase is saying no. So, then I get a letter and proof to show Chase that it did not apply to my account. So, how can AT&T refund it? They get the letter and proof and still they closed the claim for the seventh time. I am in complete shock that even with AT&T saying take the money back and a letter and proof, they still will not give me back the money. So, I paid someone's AT&T bill for the month of June and that’s it!

The funny thing is I can’t close my account because they say I'm still in a dispute over this. I bounced a rent check and paid $110 for fees because of the fraud charge, so I am out $375.53. I have been yelled at, told off, hung up on more than 20 times. I have spent hour upon hour to no avail. This bank that change from WAMU is nuts. People can just use your money to pay bills and Chase will do nothing. That money, the $265.53, I worked for it and earned it, but some person somewhere has free phone service because of me? No! It’s because of Chase Bank. If you bank with Chase, good luck. I hope you like giving your money away and giving all control of your hard earned money to Chase Bank. They control your money, not you. By the way, no PIN or signature or three-number security code was used to make the fraud payment, but Chase still let my money go right out the door. They know 100% with proof that I did not make nor authorize that payment, but they do not care.

Based on the amounts of the purchases, Chase made over 300% profit! If I wouldn't have made the $310.00 deposit, the account would have absorbed his entire paycheck when direct deposit hit. Sad that I had my daughter open an account at Chase and she has had nothing but problems as well. Weird internet purchases that she didn't authorize, Chase reward program fees, etc. I have 3 more children who are at the age to establish student checking accounts. I will not be sending them to Chase. I am encouraging my other two to establish accounts with other banks (hopefully, none that Chase will acquire anytime soon) as well as myself.

Well, here it is Wednesday, August 26, and I am still waiting. I called Christian at about 1 pm and he said he would make some phone calls and get back with me. After 1&1/2 hours, there was no call back. So I called Chase and was put on hold for 33 minutes. So, I called on my cellphone, keeping the other phone on hold. When it was picked up by a very rude lady, she told me that Christian was at lunch. So now, I am writing this letter. We never had these problems in the 10 years with Washington Mutual. Is there no recourse?

Keep in mind this all started with WaMu/Chase lack of proper communication to me. Since then, WaMu has totally converted over to Chase, which since my business accounts were new, they ran them back through ChexSystems and the reporting from Bank of America came up. Once this happened, the accounts at Chase were immediately closed. Due to this incident, I have not been able to effectively operate as a business or a person financially. Reason being Bank of America refuses to change or remove my status at check systems although I have provided them with all the evidence that this was not fraudulent activity. Chase refuses to give me an account although they initiated this cycle which was out of my control.

I have done everything within my power to prove my innocence and show myself as an honorable banker. I have all the corresponding letters, receipts and documentation to support my case. I have lost several business opportunities to make money and provide for my 5 member family due to this situation. What I need is for my name to be cleared from ChexSystems as being fraudulent and my ability to get an account to be restored. I believe Chase needs to take responsibility in making this all start.

I have not been able to operate business and personal life situations because I cannot cash or utilize funds paid to me for business or even buy needed things for my family as well as pay bills due to this situation. I have lost considerable amounts due to this situation and will continue until this is resolve. These two banks have severely handicapped me in operating in life with financial normalness by one WaMu/Chase not taking responsibility in all this, and Bank of America being negligent and uncooperative in clearing up this matter with proof.

Here's their exact response: "I appreciate this opportunity to reply to your inquiry with regards to the increase in minimum payment of your account. Our records indicate that a change in terms notice was sent to you in June 2009, which advised of changes to the required minimum payment for your account, and its effective date. As a careful and responsible lender, Chase consistently evaluates market conditions, including the risks and costs of funding credit card loans. When necessary, changes are made in pricing, terms or credit based on this evaluation. These factors that have always been monitored, take on added importance in today’s economic environment. The June 2009 minimum due change in terms notice became effective on your account as of 08/01/2009. Please contact us at the toll-free number found on the back of your card and also on your billing statement so we can discuss payment options that may be available to you. For your convenience, we are available 24 hours a day to serve you."

I responded (via e-mail) by asking if I had the option not to accept the new terms and just continue to pay via the originally agreed upon terms and not ever again use the card. I'm still waiting for an answer but based on what I've read here, I expect that the answer will be no. I cannot afford the higher payment nor can I afford to pay a higher interest rate. There must be some relief for this many consumers who are finding themselves in this same predicament. What's the purpose of accepting a low APR balance transfer option for the life of a loan if the lender then can arbitrarily change the terms of the agreement?

Because I just discovered this sudden change in terms, I don't know how I'm going to deal with it or how it's going to affect me. I'm a single parent and I have no extra money to put toward this debt. Right now, I'm thinking that if the original terms of my agreement with Chase aren't reinstated then, at a minimum, I will no longer be able to pay for my daughter to attend community college (jeez, I haven't even finished paying for Fall, 2009) and she'll have to drop out. I also don't know how I'll pay the second half of my property taxes or how I'll pay the remainder of my monthly debt. A $420.00 increase in the minimum payment per month is what I use to pay for groceries, gas/electric, put towards insurance, etc. That's a lot of money for me.

In my profession, I can be disciplined and/or even lose my job if I don't pay my bills. I feel like I'm having a bad dream and I just can't wake up from it. I don't know what to do or how to do it. Perhaps, I should write to my Attorney General. Someone has to do something about this.

The debit of the overdraft fees from my account caused my next two debits to also be classified as insufficient which resulted in two more insufficient fees in the amount of $68. In essence, the information I was given does not line up with the bank's practices. I think that it's also unethical that the online account is not updated real time, as WaMu did, and that there is no difference from pending and authorized. It's frustrating when your online banking account is not updated so that you can make an informed decision and you are still allowed to make debits for $2 that result in a charge of $34. Something has got to change.

Meanwhile, checks were bouncing and insufficient funds were accruing. I constantly attempted to work this out with the branch manager, who was never available. I ultimately wrote him a letter and said that I would cover the amount that was used in the account, but would not pay for the overdraft charges. I had $5.00 left in that account and indicated that I wanted to close the account, but they would not let me because it was still in dispute. Later, I got a letter indicating that a $20.00, which I know was part of the amount that I covered had not cleared. They accrued $250.00 in overdraft charges and then closed the account. I refused to pay that amount and it has been in collections ever since. I have told the phone callers every time that I would only pay that amount when a judge told me I had to.

When the check was returned, I opened a checking account with WAMU whom I loved. They accepted the check without a problem. Now that WAMU has become Chase, the minute that the account changed over, they took money out of my account without any warning and paid off that $283.18 amount that had been in collections then accrued another $250.00 in insufficient funds on that account. I had purposely left Chase because of the problems I had had with them and when WAMU was turning into Chase, I had gone to another bank to open an account with them. They refused because Chase had it on record that I had unpaid business with them! What is the little guy to do? Who do you turn to make these problems right?

After 10 minutes and three rather confused employees and a supervisor, it was discovered that they had to switch their system over to the old WaMu side to view my accounts. I was told the reason why is because I have California accounts and because of this, I will be treated as a non-bank customer until the end of integration which is at the end of October! I was still living in CA when WaMu branches became Chase, but they still are on the WaMu computer system and will be the last state to convert. Well, why would you rebrand if you weren't going to integrate? And, not tell customers in CA that they wouldn't be able to bank out of state!?

Since the end of July (the 27th is when they switched in all states other than CA), I am only able to withdraw funds at an ATM, no transferring money, no deposits, nothing! What is the point of banking with them then? It gets better. If I want to bank with them, I have to make a deposit at the window or the Express box, and they send the payments to CA to process, causing a further delay even if it's cash! So, the line was out the door at my local branch. I can't go to a real Chase branch because they can't pull up my acct. info. So instead of waiting in line, I used the Express drop in the old WaMu branch, $1200 cash as I have for many years in CA.

I have the stub from the envelope, but the deposit was never credited. It's been almost three weeks and no deposit. I call everyday and they have no record and tell me I need to make another deposit because my account was overdrawn due to a check clearing. The $1200 would have more than covered it had they credited it the day I was in the branch, or at least noted it, right?

To this day, I am without help, without my money, and I am overdrawn. I set up an external bank (through my other bank at Citi) so I can electronically transfer money to that account. Citi had to make a small deposit to verify the account (it was $0.30). Then, they journal it out. Well, they took the $0.30 out and Chase charged me $33 on it because I was overdrawn from them losing my deposit!

The ATM must have forgotten to post the activity after giving me my new balance. The claims department is insensitive and the branch employees seem worse ironically. I'm pretty much struggling with them to just give me my money or my check so that I can move on. Not to mention, I have been banking with Chase for only 3-4 months and this is the second major issue I’ve had with them. Should I just buy a safe and keep it in my apartment?

I wrote the check for $150 to Villagio Apartments at a rate of 0% through January 2010. Two weeks later, I received a letter from Chase telling me the check has been returned since they decided to lower my available credit line. Even with the lowered credit line, that left me with enough credit to cover the $150 so it made no sense that they lower the credit line after sending the checks and telling me on that phone call it was okay to use - and further explaining the promotional program.

Chase would not budge; they say it's within their disclosures to change credit lines at any given time regardless of promises made. The vendor, Villagio, has charged me a total of $60 in NSF fees due to this situation. In addition, I can no longer write personal checks to this vendor as they will only accept cashier or money order for future payments due to the NSF from Chase.

In my line of work, insurance and financial products, these types of practices have been illegal for years and are commonly known as bait and switch. I know the rules are now different for credit card companies due to recent legislation but that's only effective this week (8/20/09) forward. Chase pulled this scam with me two weeks ago, getting them under the new regulation. That's wrong. I would like to pursue this, and get restitution for the $60 it cost me in fees from the vendor and a letter of apology would be the ethical action, not to mention professional!

An account I rarely use had $10 in it but overdrafted because they subtracted $20. So, I called and they said I requested the last 4 months. Why would I do that? The home loan lender only cares about the last two months. After leaving me on hold forever, I'm presuming while they listened to a recording of my call, they said they can credit $40 back which is fine even though the woman repeatedly said $5 per account. But then, they say I'm still on the hook for the overdraft fee for the acct. I rarely use which was wrongly charged an extra $10. That was not acceptable and I told them that's exactly why I would never let Chase do my home loan. Then, he reverses and said the overdraft fee will be credited back. We'll see if that happens.

The thing that gets me is that by signing up for paperless statements, the bank saves money in paper, postage, etc. But lenders don't accept that when applying for a home loan and then Chase charges me money for saving them money in the first place! Also, the customer service survey at the end of the call is useless. It is only rating that person you most recently talked to, not the previous person who messed everything up or anything about the bank itself!

The so called "manager" whom sounded 12 years old, told me that I had access to this family member’s account online. Mind you I was staring at my page, no account but my own. Needless to say, I am out the money, it is gone. They are unwilling to help me solve this issue. I will be closing my account immediately and would suggest that the general population should as well. At some point, something will go wrong and you, the customer, will be to blame. Consequences: unauthorized debits to my account upwards of $2,000 total, unauthorized transfers of $1047 to accounts that are not mine.

Both my mother and I have limited means. We both work hard for our money and don't get anything from anyone. We were both wiped out by this. All of our automatic payments didn't go through. I had a check from my 401K that was supposed to be deposited that was rejected. Both my mother and I spent all day today at the bank trying to get this resolved, losing a day of work and pay.

Both of us are emotionally wiped out by this and having to take off of work to get this resolved. Neither one of us has ever been in any trouble or done anything illegal but we were treated like criminals by Chase. I do have to say though that the branch manager at the Naperville location we went to was the most helpful person I have ever dealt with at Chase. She was the only person we talked to who did a damn thing about the whole situation. I have to thank her and have to say, she worked her butt off trying to get answers from Chase for us. They were even nasty to her.

Needless to say, we have both moved on to a credit union that will undoubtedly be a far better option for us. In that, we won't be at the mercy of the Chase computer system, which no one seems to be able to control. I am cancelling any and everything I have with Chase. See below what they did to my account. These people are the criminals.

Total balance: $-9,998,802.09

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After three weeks, I was told another appraisal would have to be done. How convenient since the last appraisal was done in March and the value has probably dropped. Now, the loan has been moved to another processor and it is 08/17/09. I have been told the loan would close shortly several times in the past five months. This process has been going on for five months now and I have lost several hundred dollars in what I would have saved if the loan had been closed in a timely manner. WaMu has used delaying tactics, horrible customer service and unfair practices while processing this loan.

This is outrageous. In today's economy to have these big corporations such as Chase ripping people off by charging them $35 on a $1.60 transaction that wasn’t even approved until after a deposit was made. Technically, the account isn’t even overdrawn. I hate Chase. They're a monopoly that doesn't care about customer service or customer's financial well-being. I can’t afford to dish out $35 fees on transactions of $1.60. May all the representatives and executives that support this policy rot in hell.

The next day, when I was going through my online statement, to my shock, I was charged $32 towards the stop payment. I called the bank again expressing shock over the $32 charges towards the stop payment and questioned her as to why she had not informed me of the same when I gave in the request. She mentioned that there was no need for her to inform me of the charges since she assumes that I was read the document thoroughly provided to us at the time of opening the account. I did try and explain to her that when the bank is charging the customer for a service, it was her duty to inform me that it is a chargeable service. She told me that the power to reverse the charges lies only with the branch manager and she would check with him and call me back.

When I did not receive her call back, I called back the next day to follow. She told me that nothing could be done on the reversal of the charges. I called the bank manager and explained the issue to him. The bank manager agreed that the rep should have informed me of the charges and also accepted that the bank representatives lacked coaching with regards to these kind of issues. I asked him as to why I am being penalized for lack of coaching on the part of the bank to its employees, to which he responded that he was sorry for what happened to me; however, he would not reverse the charges. I also asked him if I could cancel the stop payment request, to which he told me that even in that case, the charges would not be reversed.

I am at a loss to understand that for the lack of coaching to the employees from the bank, why customers are penalized.

Why let you pay 5% effective annual rate when they can jack you to 24-30%? You pay late, and your transfer deal is forfeited and they know that. They probably planned it when they sent millions of those transfer offers out. Let's rope these folks and let them think we want their long term business and then down the road, we'll make the terms impossible to meet so we can force them to default and get crazy rate and ruin their credit (30 days past due if you don't pay in full, everybody!). Maybe we should all just default and send Chase the message to go screw themselves. And, no bailout money to these idiots. Chase should go the way of Lehman and others.

Also, everyone, remember to contact that law firm in NYC - they want backup info about the transfers. Let's help them build a case! Hang in there everybody. What goes around comes around. Come on, Karma!

Instead of one overdraft fee for Walmart, they put that one through and make me pay 4 overdraft fees on the smaller (dollar) purchases at $35 a piece. The crazy thing is they made it look like the overdraft fees were paid before the Walmart purchase, which made the Walmart purchase also incur a $35 fee. That's $175 alone in fees in just a week! Since WAMU switched over I have been charged $385 in over-draft charges alone (not to mention the places that charge you on their side for transactions not going through)! I've only been with Chase since 7/28/09 and I hate it!

I was frustrated, as wire transfers should be a fast and effective way to send money. I spoke to the manager, and he did say sorry to me but seemed to be going through the motions. He was not very empathetic. Eventually, he rudely hung up the phone on me as he said he did not want to listen anymore. Any customer would be stressed in this situation, and the WaMu branch should have been more understanding, since it was a mistake on their part. The manager said that I would have to come back to the branch to sign a new paper to send the correct wire transfer. He did not want to explain why this was necessary.

Please advise them to be courteous towards customers and to double check their work when customers have concerns. They should also be more careful when sending wire transfers. This is not the first time that I have experienced a mistake by WaMu when sending a wire transfer. Thank you.

Well I feel heartbroken and taken advantage of. I trusted the bank with my money and now I don't even feel secure having my money there. I count on that money to take care of my daily needs being that I’m only working part time now.

How is that the responsible homeowner, who sacrifices and has remained current with monthly payments and did not purchase an astronomical mortgage, can be punished while others reap the benefits? What is the plan of action from the government, banking regulators, etc. to prevent this? Please provide me with any additional personnel to contact. Thank you.

My fraud was easily resolved with WaMu within a few days and I called Chase to see if I had any fees on my CC# account. Sure enough, they had charged me a $40 returned check fee. I advised the rep of the situation and how a supervisor told me the fee would be waived due to the recent fraud on my checking account. The rep simply stated, "We don't reverse fees ma'am." I explained the situation again in detail to which he responded again, "We don't reverse any fees ma'am." I asked to speak to a supervisor and he stated, "The supervisor will not be able to waive the fee ma'am." Since this is all the gentleman seemed to be able to say, I hung up and called back the next day.

I had the same experience of talking to a brick wall except with an even ruder and more condescending rep. I gave up and made a payment of $200 on my debit card later that same day. Finally, I was able to access a computer to view my accounts personally. I noticed my WaMu checking account was overdrafted by over $100. I investigated and saw that Chase had debited the $150 payment directly from my checking account without my authorization in addition to the payment of $200 I had already made.

I have always managed my accounts responsibly and always pay more than the minimum due on my CC# every month. The fact that Chase is not assisting its customers even in circumstances out of their control is despicable. They knew my check would not clear due to the fraud but they cashed it anyway, charged me a returned check fee, refused to work with me after saying they would, and then debited my checking account without my authorization causing me to be overdraft. They have caused me more stress in they past couple of weeks than I have ever experienced with any other financial situation in my life. I am sure my credit score has been affected, not to mention overdraft charges. I feel like I am a prisoner until I can finally get rid of this account.

Since day one, I have e-mailed the company and made numerous phone calls - no response. So, we contacted the lawyer’s office but no one ever called us back. We received a letter in the mail stating we had a court date. We went and finally talked to their lawyer. She told us that they were gonna re-modify our loan. We said, “Great! Can we have a number of someone to talk to, to find out how much we owe?” She said, "I don't have the numbers on me but I will call you this week with an amount." We said, “Great!” Well, a week later, I tried contacting her and left numerous messages but no return phone call. We received a letter in the mail stating an amount that we owed on that date which was June 1st, but it said from the date of the letter, which was May 13th, to the date on the amount, that it would be higher due to other charges.

I tried forever to contact them, to tell them we have the money but we needed to know the full amount. We left numerous messages but no return phone calls. We also tried contacting WaMu, but all we got was a recording to “call this number” and “call that number” which was a dead end. Someone else from the attorney’s office finally contacted me saying to send the money. I told them I wanted to see paperwork stating my house was back in my name if I gave them the money. She told me there was no paperwork. My lawyer advised me not to send any money until they had the paperwork. We tried contacting them and they told me a few days later to try to find out what to do and they told me we missed our deadline and that there was nothing they could do.

We went back to court hoping to give them the money that we owed which was $9000. They didn't want it. They said there was nothing they could do and that we could buy our house back for the price they bought it for and that was it. My lawyer showed them the check but they didn't care. So now my family and I are losing our home because of a mistake they made, and the left hand doesn't know what the right hand is doing at this company. We can afford our house payment and pay the back payments and all penalties, but they would rather take a home away from three children. I would like to know how this can happen. It's just not fair. With school starting, we have no place to go. It's not easy finding a place for a family of five, but companies like that just don't care. I hope they sit on my house forever and never sell it, it would serve them right!

I'm harassed day in and day out by their terrorist collection department. I've sent them a letter several times asking them to stop but they've ignored it. I still make a payment every month but still, I'm treated like a common criminal. Someone needs to stop this company's tactics. They whined for a bailout from Washington and got it. But now, when their customers ask them for help, they block every attempt. Please help me.

Note: WaMu wouldn't lower the interest rate or opt us into a fixed mortgage! It was all a sham - laundering of money, whatever those banks do to get rich at the expense of the working class. Our mortgage payments were huge! Our home wasn't worth what we now owed, but we made our payments. This home was our life dream. Anyway, my husband who was self-employed in the logging industry brought a piece of equipment that was a lemon, a very expensive lemon. We knew we were heading down the path of not being able to meet our full monthly payments and like all the testimonials before me, it was months before anyone at WaMu even admitted they had received our migration form with full documentation sent via certified mail or return receipt. I have all the documentation of calls made.

Note: their phone number was even disconnected or you would wait literally an hour on hold and then be hung up on. It was/is an emotional roller-coaster. My husband has since lost his business after 20 years of being successful. Thankfully I still have a full-time job. Our home was sold at the sheriff’s sale for 1/3 the mortgage amount to yet another bank called Deutsch Bank (I'm told one of the largest in the world). The attorneys handling it are from a firm in down-state from where I live in northern Michigan. When I contacted them about redeeming our home before our 2/20/10 eviction date asking if there would be a clear title if we were able to come up with the now affordable redemption amount (if I can get someone to finance it now that our credit is destroyed), they couldn't answer it and gave me a number to contact WaMu. In tying to contact this number, I am given an email address to contact. In using this email address, I can not verify anything as it only list two homes in my area that in are foreclosure, none of which are mine. Please, is there someone or some program that would help us? Thank you.

I have noticed other rather unscrupulous methods that Chase uses in regard to "pending" deposits, but immediate withdrawals. Also, the checks that are received under the "pending" deposits are submitted not according to the date received, but the amount of the check. The higher the amount, the first to be pulled from the account; hence, the potential for more insufficient fund charges. As far as I'm concerned, they are underhanded with their banking procedures. It remains to be seen if the checks are honored that are coming through and if there are more charges to my account for insufficient funds.

Following that, I've sent them several letters certifying (by the US Council in South Africa) that I'm still alive and need access to the funds. Considering that my internet access was blocked for no apparent reason, the cheque account was closed and I could not contact them telephonically because, obviously, I do not have Social Security Number; all the access routes to my savings account were cut empty. It has been all together over a year and a half of huge amount of correspondence, each time resulting in a new excuse from Wamu not to complete transfer and a huge struggle to get my money. Last one said, the transfer was stopped at customer’s request. Do you really think I would stop them from giving me my money?!

Mike has since had his check mailed to him instead of going into the bank and that bank is going to make me pay it after they had said that they would remove me from the account when I sent back the seignior card. I finally got it in the mail 2 months and 2 days after I had requested it so on July 29th, I went to town, had it notarized and faxed to Chase, then also mailed it to the bank, waited the 5 business days then called Lillana back to request a copy of the removal when I was told that I had to pay the now $256.27 in order to do so. She said that I was never told that I would be taken off while it was in the (-). All Chase Bank does is lie and let people get into financial trouble when they try to do what is right. I have been going through with this nonsense since May 22, 2009 and all the phone calls for nothing.

We know now that they have all the documents they needed. Today (8/5/2009), I called them up and they said they only have a few documents and that my case has not been given a handler. I am not behind on my payments, but my wife lost her job due to illness and I need the modification. I have investigated this modification process with Washington Mutual on the internet and I find this deceptive stalling practice is rampant. Unfortunately, no one is getting a loan modification grant. Do you know anyone who got one? Bet you don’t. And we bailed them out! (Chase)

I think the problem is that people are not paying their credit cards; therefore, Washington Mutual (Chase owned) does not have the money even though they got bailed out by the Fed. I wish to join a class action suit. Please enter my name into the class action suit. I spent my wife’s retirement savings to keep the mortgage current.

It is now August, and the loss mitigation department cannot find my paperwork. They told me they have no idea what to tell me other than I will have to try through Chase and start the whole process all over. Six months have been wasted. WaMu should not be able to get away with this.

Soon after, I spoke to a customer service representative. She was not aware of the "new policy." And in all cases that my check was under $100, they are still okay to cash it. Anyways, Melinda was rude and unprofessional. She told me they had never cashed a check for me in the past in this same case, when they have every other week. Not to mention, Melinda said, "Maybe, you can just go to Wells Fargo if you really need that $82." I had no problem with Chase in the past, but I am completely unhappy with the service/treatment I got today. And I'm also disappointed with the supervisor at the Bay Area store. She needs to be replaced.