Chase Bank Reviews

Incidentally, I have a Robo-signed loan that originated in the 2001-2007 credit extension as a refinance that dropped my fixed rate enough to hold it there. Chase has sent a UPS truck to my house twice monthly with refinance offers at 6.5% interest. They must think I would but the fact is the bank scares me to death, thanks to attempting a modification (ending in forbearance) with them. I sold everything of value and got roommates from Craigslist who robbed me blind to catch up on the payment and vowed to never sign another contract with this bank again.

Due to economy, I am trapped financially but hanging on. Truth is, I would not be eligible for refinance because my credit is shot. I feel like the bank is herding me into foreclosure. I've read enough stories to know when they reach out to you, they see a way to make what is yours become theirs. The safety net is gone. I had 20 grand down when I got in the place 14 years ago and I do not plan to lose it. At $650.00 a month, $811 with ins/tax, I could live here with strategically placed roommates even if I lost everything. But I cannot win with my resourcefulness if they cheat. Is there anyone seeing an intentional blockage against their making a payment at Chase Bank in California? Thank you.

What is the process like this? Do you think this is customer services? I beg to send this by e-mail because it can be much clear, but won't be acceptable according to your strange system. And even worse, one of your call handling guy keeps me holding more than 20 minutes after asking me doing that. And I could hear they make noisy around the phone between them. This must be intended because I am not good at speaking English, he think, so I should hang up the phone, and call again and talk to different person. I have had bad experiences on CHASE CS, and bad feeling. And very thanks for these bad feelings to CHASE.

She started yelling that I didn't make a payment, and so I very sternly told her to NEVER call me again. I said "Don't YOU ever call here again - this is harassment". She then yelled "I am going to close your account and put you into..... " and at that point I hung up on her. This is completely unacceptable behavior and I will not talk to anyone who treats me the way she did. That woman is never to call my home again or I will file harassment charges against her and the company. If they want to have someone call who will listen to me and treat me with respect then I will talk to them. But they are only allowed to call only when a payment is late, and they need to listen to me when I tell them I made a payment and have a receipt for it. But that specific woman is to NEVER, EVER call my home for any reason.

Also several years back after my dad died they took advantage of my 85 yr old mom and talked her into signing a investment after to find out she could not touch it for 12yrs. This was a big ordeal and very embarrassing. As I was closing my accounts all the employees were whispering like children. This bank get one big black star from me.

That didn't sit well with me and I was no longer motivated to put in the $38.41. On Friday morning a debit transaction for roughly $45 was posted to my account. I made a deposit at an ATM for $83, which left me which a balance of -$33.64. At 7am Saturday morning I received an alert for an overdraft fee for the $44 and change. They rearranged my ATM deposit placing it before the debit transaction so that they could charge me another overdraft fee. This is appalling!

You see, after hiring his new lawyer, the former one suddenly sent a new invoice with new charges but at that point, he had already been paid. Moving forward, CHASE did not cancel his card, therefore, permitting the former attorney to charge $3,000.00. As soon as he saw the charges, he disputed it with CHASE. After their investigation, they denied my husband. They stated that the attorney provided sufficient proof that the money was owed to him. Now, CHASE's tone changed toward us. My husband has proof of his call, proof that money is not owed and asked CHASE to review it again. They said no because it's out of their hands. That he needs to take it out with his attorney.

Here's the thing... My husband specifically asked his bank more than once to close his card because he was concerned that his now fired and resentful attorney would continue to charge him. They assured him that the card was no longer active but it was. It was and charges were made. Everyone in the recovery department was incredibly rude and condescending toward him. It was incredibly clear that due to his accent, they assumed that his mental capacity was one of a toddler. Not until I would speak with them (yes, them because we made several attempts) did their tone change. Not only did it change but they did a lot less arguing and blame placing. The worst one of all was Ira **. This is a person of no tact, class, intelligence or soul. He felt compelled to side with the attorney and relentlessly accused my husband of not doing right by his attorney.

He had the audacity to question my husband as to why he left his attorney in the first place. There was a lot of blame placing instead of problem solving. "So what you're saying is you want Chase to take responsibility for $3,000.00. That's a lot of money!" I would like for someone to pull the conversation we had with Ira and listen to it. Just listen. Tell me if it's okay for a bank to do this? Oh, but you better do it soon because according to Chase, any calls made are automatically deleted after 30 days. Do they think we're ignorant and futile beings?

Then when I was very ill twice, all they wanted to do was remind me of how many "occurrences" this would cause on my "record." They seem to be mostly concerned with only my production, and making them money, then they were with my health, even though I got so sick that I was almost hospitalized, and could have even died. Yet when I returned, I was told, "They don't want any more occurrences with me or they will write me up." As for the hostile co-workers, they tried to say it was my fault. Anyway, YES, this situation IS resolved for me...because I left! I do not need to hear from them an more. In 7 years of employment to them, all I was to them was a mere "number." That's fine. I thank the good Lord HE does not think of me this way! I wish them the best of luck. I will never return or do business with them again.

Original Review: Oct. 6, 2013

Chase Bank, to me, depicts the culture that existed thousands of years ago.... the culture of Egyptian slavery and bondage. It is my opinion that all Chase truly cares about (bottom line) is to get as much money as they possibly can out of their employees and their customers. It is also my opinion that they pretend to create a culture that says they care about their employees, and their customers too (offering benefits, vacation and sick time, etc.), yet only so you will stay and work for them as hard as you can... like a "slave". I have been asked numerous times to do a ton of overtime. Then as soon as production was slow, I was asked to leave early.

When it boils down to it, they could care less about you unless you make them a ton of money. Period. I think that goes for their customers as well as employees. Plus they are outsourcing most all of their jobs overseas. This is simply a sign of mere greed. Here is my solution to the problem I had with Chase: I realized (through reading Holy Scriptures) that we are called to serve a much, much bigger God than just money..... I finally reached the point when I woke up one morning, recently, and simply realized, "GOD is MUCH, MUCH bigger, much more powerful, and far more meaningful to me to serve and worship than Chase Bank".... especially when this employer has been making me feel so unhappy most of the time.

I trust GOD to take care of me and to find me a much better job than Chase Bank... a bank who treated me like a mere "slave" for so long. It was only when I realized this that I finally walked out of Chase. Thank God! As the Holy Scriptures say, "The love of money is the root of all evil." That is why this bank, in my opinion, has become such an evil company, and also an evil place to work. Fellow employees are also mostly very cruel. There was about four people over 7 years I met I felt I could really trust. Most fellow employees working at Chase love to gossip and are overall very "cut-throat," and competitive. You will NOT find a "family atmosphere" in this bank at all. I even experienced a few "hostile working situations" before I left. Yet the management just "blew it off" and did not care.

In fact, they actually blamed me, instead, for complaining. All I wanted was to work in a peace-filled, kind and courteous environment. Yet it never seemed to happen here. Someone was almost always causing trouble. I suggest with all my heart that you stay far away from Chase Bank as a job (unless you love money, greed, power and prestige!). If you are at all a kind and loving person, then this is NOT the right company for you! You need to be a mean, somewhat ruthless and even have a "bully" type mentality to enjoy working with Chase. If this is your thing, more power to you.... It's just not for me. There is more to life than Chase..... FAR more!!! I thank God I finally came to this awareness.... and left! Alleluia!

They want the person to come in with ID who requested that I deposit the check. That person is not anywhere in the vicinity and refused to acknowledge that Chase took the money. Anyway, Chase received the funds for the check, no problem. They are just holding on to the money without paying interest and are refusing to release the money after they deposited it in my account. Now, every time I go to a Chase bank, I have a problem cashing checks that are drawn on their banks. I am waiting for a letter saying that they took the money so I can file a complaint with the CEO, board of directors and Federal Reserve.

I have tried for 5 years to get my modification papers which Chase will not give me. Now they claim that I have a balloon payment due on 1/1/14. I can't pay it as it is a jumbo amt. I keep getting letters from them urging me to sell. I don't want to sell and according to my mortgage papers, my fixed/adjustable loan matures in 2037. I cannot get anyone on the phone who knows what to do or keep pushing me off to another line, and another until it goes dead. Then, if I'M up to it, I can repeat the whole process all over.

I've received letters from Chase stating that I am ineligible for any loan or modification. Now I am receiving letters stating I must let them know what I am going to do 45 days before the balloon is due. There isn't one person who seems to know what they are doing and I'M furious because I can't get any help.

When I asked the personal banker how I'd be able to get money out if according to them, I had negative money... He said, he did know! They had no answer and instead of helping me they tried to lecture me about balancing my book. I know I overdrew my account idiots! And then just cited the dates on the computer as if I had made it up. Repeating their trained "We process our transactions biggest to smallest when they come out on the same day." Well, they didn't come out on the same day, that's my point. So frustrating!!!!

I never had this problem when it was Washington Mutual. They processed transactions according to when they posted and you could always trust your online banking to show you what you have in your account. So, now I'm still in the hole even though my check would have brought me current including the overdraft fee that I TRULY owed back. I'm looking for a new bank.

Background...I am a widow, 63 years old, American citizen and unfortunately virtually all my close friends and all my family have passed away and I have no one to count on in an emergency situation. This is not very common, I don't think, but it happens to be true and my greatest nightmare has been as I have gotten older is that should anything go wrong, no one is here for me. This nightmare became reality yesterday due to Chase Bank and so many of the employees i was forced to deal with...from minimum customer service call center staff to the bank manager of the branch I opened my account.

The nightmare began when I phoned Chase Bank's customer service number which I was told is located in Texas. At least the employees I spoke to and the manager of my branch in San Ysidro, CA informed me the initial contact was made with Chase Bank. This was all over a charge on my Chase Visa Debit card that a Health Insurance Company continued for over a month to write me telling me they would credit my Visa card. They had never credited my card so I did what anyone would do. I called my bank, Chase, and I let this woman who answered know the situations. She said I needed to speak to a different department that would most certainly help me out. She was the last kind and normal person I spoke to during this half day ordeal.

The man I was connected to said that, sure, he could give me temporary credit to my Chase Visa card but that in order to do this, he would need to CANCEL my Chase Visa Debit card. Otherwise, he told me, it was all up to me to continue to make more and more long distance calls to this UK health insurance company and I had spent hours and hours and I had the emails to prove that this International Health Insurance company called Bupa International would NEVER give me my guaranteed refund. This man at Chase had such an unpleasant and uncaring attitude even after I had shared how important that I have this money. He just didn't care and suffice to say the fact that I continued to fail to get the money credited back to me meant I had not the money to get mandatory health insurance that is acceptable for my German residency which the Bupa agent assured me my policy was totally acceptable in Germany which was not true.

And in Germany without proof of acceptable health insurance, I would not be able to renew my official residency and this would classify me as illegally in the country and I NEEDED that money that Bupa always promised but it had been over a month and no credit and without that credit I could not afford to get proper insurance and very bad things could and often do happen to those who find themselves with an expired residency including being deported. And for me this was so horrible for this is my home and my cat is here and even if I wished to return to the US which I never wish to, I have not the funds to start up a new home such as first and last rent and furniture and all that goes hand in hand with moving and my cat could not come with me as I rescued him from a shelter. He was severely abused and it took such time and patience to get him to trust me. Seven other people had returned him to the shelter because trust me, few would have put up with what this cat did due to his abuse but he finally trusted me and only me and he is the only thing I have and this beloved cat of mine although he trusts me, will not get into a pet carrier and even I cannot pick him up and walk out the front door. This cat is most beautiful and loving and he would have had to have been put down, KILLED, because no way will he ever leave here and no other person will take him and for me to abandon him after growing to trust me...

Well, these are just some of the things on my mind when I phoned for help and I automatically figured this was going to be a normal banking experience which is neutral at worst. This man, he knew these things and made it very clear of a sort of "So what, I don't care about you or your problems". So I said, "No, No, No. You have NOT cancelled my Visa card, have you?" And this man said, "No I have not," and I said very slowly at least five times..."Do NOT cancel my Chase Visa Debit Card," over and over and over and over and I told him if he did that, this would be a death sentence for me as I had NO money but the money I get from my late husband's pension and that that money is on the first of each month direct deposited into my Chase bank account which is linked to my Chase Visa Debit card.

I made it so clear I was BEGGING that do NOT do this, do NOT do this. I have not one single penny right now. It is ALL in my bank acct and I am off to the market. I am hungry and I know it takes 6 weeks minimum for a replacement card sent to me here in Germany and I have NO ONE to help me if you cancel that card I will NOT eat. I will not be able to purchase much needed medicine. Do not do this, do not do this, and this man is getting really, really nasty like he is loving this control or power trip he is holding over me. I lost my temper with him and was quite rude to him for such a total LACK of customer service. I mean I know about working the phones at a customer service call center and irate customers are a built-in part of one's daily work life. I am NOT saying that it was such a good thing that I was extremely rude to this man. Still no matter what I said, what he did to me is so beyond my ability to comprehend.

I hung up on him and went to the market, bought a cart of groceries, gave them my Chase Visa Card and they would not take it! I am getting a real sick feeling in my stomach. I run to a bank ATM about 2 minutes from the market and attempt to withdraw some money from it. It refused to give me any money. I ran back to my apartment and immediately phoned Chase and told them this was a life or death situation. I spoke with the first woman and she said that this man told her that I had phoned and reported that my Chase Visa Debt card had been stolen and told him to cancel the card and requested a new one!

THIS man knew that I would DIE without that card. And now it is day two of no food. The US consulate will not give me any money. I have no way to get any money. My cat is hungry. I need medicine.

It is said constantly when one calls Chase bank that ALL CALLS ARE RECORDED and when I was transferred to his phone, there was another reminder that this call will be recorded. So okay, I tell them this man was very rude and he has deliberately made sure that I cannot continue living. I have NO ONE, NO ONE and I guess I could become a dumpster diver at 63 years old with a grave illness and not exactly in the sort of shape to be a dumpster diver and have very fragile physical condition and spend most of my time at home. I suffer severe fatigue and am unable to work outside my home as due to my health one day can be a "good" day, the next could be a day where I feel like I am having the worst case of the flu and this is chronic.

And all alone and now with no health insurance and not one penny. And not one single Chase employee was willing to do what virtually any person would do even for a total stranger or even someone one did not like so much. All I asked was to please Express a new Visa card to me overnight and take it out of the funds of my checking acct which has tons of money and they said, "NO. Sorry about that, this is not our policy." I said, "But I will starve to death. This is MY money. I am a good Chase customer. I am not exaggerating." And I said, "Look that man who cancelled my card, please listen to the recorded conversation and you will hear for yourself he is lying and that he intentionally wished great harm to come to me even DEATH for that is what I told him and he knew this. Please," I said, "LISTEN TO THAT CONVERSATION. Why won't you...since if you do, you will know this was a Chase error not my error unless being rude should be punishable by the death penalty."

Seemed logical to me. I know the phone jobs I have had. If I had ever even slightly been insulting to a customer, I would have been fired on the spot. If it was discovered that I had destroyed a customer's ability to survive and had told a blatant lie, I am sure that the police would be called but for sure that I would be fired and out the door before I knew what hit me. NOT THIS MAN. They said nothing and I begged and begged and, "NO, we are so sorry. We understand you must be upset but not a thing we can do. Give us your address and you will get your new card in SIX WEEKS!!!"

I am now so freaked out I then call the manager of the Chase branch I opened my acct in San Ysidro, CA and I was being as calm as anyone could be under the circumstances and he was most pleasant and said to me, "OH, don't worry. I will UNCANCEL your Chase Visa Debit card. Just give me about 5 minutes and I shall take care of it. So sorry. What is your phone number," and I gave him my Voip phone number, a MagicJack with a USA area code. And I waited and waited and waited and about 25 minutes later, this bank manager phones me back and says "SORRY, I cannot UNcancel your Chase Visa Debit card." And I thought this had been THE happiest moment of my life when he was so nice and I was so sure I would be fine.

But I was wrong and this man, when the people at the center in Texas said it was impossible for them to get my card working again, and here this BANK MANAGER tells me no problem. So I don't know what to do. Obviously this is discretionary. So I say then, "Please FEDEX me the card..." and he said, "Oh sorry, we don't do that. It takes six weeks." I am now so freaked out and the WAY in which all these employees are conducting themselves, I think, was equally horrifying. Not that I expect them to be as a close family member or best friend but the total ROBOTIC quality to the manner in which they spoke was disturbing NOT so much because I thought I should be loved by them but that they had NO appropriate effect whatsoever. They were as automatons as robots.

This was utterly shocking. Finally I think but not sure they tell me it will take two weeks to get to me. Another odd thing is that every single person at Chase I spoke to did not know that Germany is not part of the United States of America. I have dealt with other Americans who have the same idea that the entire world is the USA and if the USA govt continues to invade and spread "democracy" as seems to be the American past time murdering and invading, then this will be true some day but not today and not yesterday and they all just kept saying, "Oh just go to your local Chase Bank nearest you and you can pick up a temp card."

I realize this is the rule rather than the exception when it comes to how Americans perceive the world, sad as it is. So to them it would take just one day for me to get a new replacement card if I were not off somewhere in outer space as they seem to think Europe is would be a day or two at most. But not Germany, 6 weeks minimum. They all said then as I said somehow I got them down to two weeks. They were as people with no conscience. Just looking at this situation pretending to view this as some objective observer, this appears so over the top KNOWING that all they had to do was pick up the phone, call FEDEX and the card would be to me in two days MAX. Knowing that I would not eat, I would not be able to get my life-saving medicine, knowing I had more than sufficient funds leaves me in tears begging and begging and begging for them to allow me not to DIE and no interest in that man intentionally making it impossible for me to survive.

I do not exaggerate. I shall die. I won't eat. I just wish to share this with you. I wish I knew the name of this man who did this to me. I don't know what to do. They all cover up for their co-worker. Of course this makes sense when doing such a horrible job. I have done such jobs. They are so awful. I really find it hard to blame this man who was Black and what he has done has killed me and I just wished you to know. Not only some poor black guy from the sticks in TX did this but the BANK MANAGER at a middle class bank also knows that I was given a death sentence and this is okay with him. It is okay with everyone I spoke to there. This is my money. They sleep well.

To tell you the honest truth, if this is what this world has come to where people stand by the manager of a bank has a great deal of discretion as to what he can and cannot do. Think about it, folks. If the CEO of Chase learned that one of his branch manager stood by and did not assist an old vulnerable widow not with giving charity just giving her what was hers after another employee of Chase took it upon himself to deprive of this widow of her life, Do you think anyone would say to the bank manager..."Good job...Well done... You followed company policy. Sure she died and you did not break any company policies. You never cracked under her sobs and begging, no. Good man, You, I shall promote."

I am beginning to believe that if the CEO of Chase Bank were to read this story, he would immediately call that bank manager and CONGRATULATE HIM and give him a big raise. I do not wish to live in such a world. I welcome death as I shall be dead soon first due to lack of essential medicine and alongside being all alone with no food. So what do you think of this? You got a I HATE CHASE story to top this one!!! I never thought my end would be due to a bank where I was a good customer who would not do what anyone would do for just about anyone if they knew that it would take virtually no time to save me. Yet they certainly all enjoyed the several conference calls. Must be great fun and adds to the otherwise pretty boring daily grind of working in a bank.

Since then (8/8/2013) I am waiting for the check from Chase Bank. They did not use FedEx as promised. They used regular mail probably. I am paying penalties to the port for holding my container. I had to take a loan to pay my moving vendor while waiting for my money to arrive in the mail. My account is closed so I have no access to my information. As it stands now: account closed, no money from Chase, penalties because of delays in moving service, damage to my reputation, suffering of my family.

STAY AWAY AND BE AWARE. We had our mortgage with one company to which we made 1 mortgage payment and then it sold our mortgage to Chase, and then we made a transfer from BOA to Chase. We were for months trying to get the 2 payments reflected on our account, no chance, and we have tried through a lawyer and no way. After so much time and calls, we had one back but the second payment, it is taken from BOA account but not in our Chase Bank. And now I am having an account with them where they contacted me to say my account is considered dormant and it is said clearly that I have to either send a form or use debit card. I did both and again nothing. They said they did not receive the form and debit transaction will not be accepted till I send the form. Then after so many calls, they said that they would send me the form. I did not receive any form and on and on and on and on. These agents cannot wait to finish the call and no issue has been resolved. Now I have to travel 150 miles back and forth to the nearest branch hoping and praying that the issue will be resolved there. Stay away from this bank. JP Morgan made its empire by stealing and screwing people like me.

Try to cash your paycheck when you have had automatic deposit for many years. NIGHTMARE!!!!! SO what is done to your acct is this. ALTHOUGH YOU HAVE NO $ IN YOUR ACCT NAS-COLE JP MORGAN CHASE BANK KEEP TAKING $ FROM YOUR ACCT MAKING YOU OVER DRAWN & RACK UP OVERDRAFT FEES & PUT YOU FURTHER & FURTHER INDEBTED TO THEM (worse than a loan shark). If there is any one out there who is interested in a class action lawsuit please feel free to contact me snail mail, include email address and a bit of your HORROR STORY!!!! Mail to **. THESE PRACTICES MUST STOP.

Today 7/25/2013 I received a notification that the investigation has been closed and the transaction was found to be correct, i.e. not including the $700 that I am missing. Of course the temporary credit will be removed since by the bank's findings the money does not belong to me. I intend to ask for the evidence on which the claims department is basing their conclusion, and if I find the evidence to be insufficient, file suit in the Small Claims Court of Oakland County ($45 filing fee).

It took me 2 days to get through to the DOL and have the address updated. Finally, on Wednesday I speak with Chase customer service. They verify that address was updated and say they can send me the replacement card. Fantastic. So, I requested to have the card shipped express next day mail. The rep informs me of the fee, I agree. He advises me that because it was after 3 PM, the card would not arrive until Friday (today). So, I called this morning to get a tracking number to get an idea of what time FedEx would arrive, and the representative informs me that the card was ordered standard mail. I ask to speak with a supervisor, who after waiting on hold nearly 30 mins for, finally offers to ship it next day, but at this point still would not arrive until Monday because of the weekend, and she waives the convenience fee.

I may have saved the $17.50 for that charge, but their mistake is costing me far more in fees to my landlord for every day my rent is past due. To top it all off, the representatives, and even the supervisor, were rude and spoke very unprofessionally, and 5 out of the 7 representatives I spoke with could not even use proper English. It's like Chase holds hiring events in the middle of the projects and hires any schmuck with GED. Worst experience of my life. I cannot wait to get the card and withdraw all the funds for deposit into my personal account, so I never have to deal with that sorry excuse for a company ever again. I only wish I could send the card, once emptied, back to them so the representative that messed up my order could shove it up his **.

So after a few days, I waited and received the letter and walked into my branch on July 1st to get everything cleared up, only to be told that my account was closed. I was a bit aggravated by that, but after a while, I just accepted it and figured, "Okay, they can just cut me a check and I will be on my way." Apparently, it doesn't work that way. They need to go through a closure process with their back office, loss prevention, and other departments before even sending out my check. So I told the branch employee to start the process. He informed me that it takes 5-7 business days for it to be completed. What else can I do? So I waited...and waited.

July 5th rolled around, and I decided to walk back into the branch and talk to someone regarding my money. Apparently, what happened on July 1st was a REQUEST to get my money sent back to me, and after that's been approved, I can wait for them another several days before my money's actually sent out. Calls made to loss prevention on two occasions gave me various results and information, from my money being sent out, my money not being sent out, and it's being sent via UPS and will take a few days, to it's being sent out via USPS and will take 8-10 business days. ABSOLUTELY UNACCEPTABLE.

So I walked into the branch on July 8th, ready to go to war. After an hour in the branch, the employee decided to take it upon himself to follow this situation through to the end. July 9th, I walked into my bank to sign a notarized request to have my check overnighted to the the bank. July 10th, I got a call from that same employee that he's still waiting for approval. We are now 20 days in, and I have yet to touch the money that's mine and verified.

I called the bank and went through the claims process and after explaining how this transaction was an error, they stated I would receive a refund within 48 hours. After waiting two business days, still no refund. I called the claims department again and was told the same thing, wait 48 hours. Few days later, still nothing. I called the third time, now I was told they refused to credit my account until they had confirmation from the merchant. Shocking! It took me several calls to Chase over several days to prove the transaction was unauthorized. I finally had the merchant reverse the transaction and I called the Chase claims department to request a credit for the numerous fees on my acct due to this transaction and I was promised a reversal of the fees by the claims department, again in 48 hours and was told a new card would arrive in 10 business days.

I walked into a branch to withdraw funds from the ATM and the screen prompted an Alert to meet with a banker. I entered the branch and explained my ordeal for the past week to a banker. He attempted to assist my card issue and to the banker's surprise, he was prompted not to provide assistance until he spoke to the claims department. The banker was as surprised as I was! Upon calling the claims department, he was told my relationship with Chase was no more. I spoke with the claims department supervisor and was told due to my valid claims over the last six months, I was now considered to be a "liability" and our banking relationship was over. I asked if this is how they protect customers for reporting fraudulent charges made to their accts and he stated there was nothing they could do, even though every unauthorized transaction was truly unauthorized and I have had my card changed out several times over the years.

I inquired on what to do about the 2 direct deposits I had on separate Chase accts and they said I had 4 business days to figure it out! I inquired about the $400 in fees my acct was assessed since the unauthorized transaction and they said they would "look into it". Disgusting!!! The banker at the branch kept apologizing to me and shaking his head since it was beyond his control. It's a shame Chase will penalize a customer for reporting fraudulent charges! Is this the protection offered by Chase? And to only give a customer 4 business days to figure out direct deposits that have set up for some time is unnerving and shameful. I guess CHASE means having to chase your money around!! I will never refer a friend, family member or even an enemy to bank with Chase. I plan to spread the message on social media as well!

Of course, it is not normal and to state this made me very uncomfortable with our relationship because I have the past two years received check from the same person and the same account so to state it was not normal was not true. Risk management is not clearly doing their job and causing more undue stress added to my financial problems but had no problem taking care of themselves. I do have a choice understanding this but to state the reason is a character assassination. Nice way of stating “We want to make sure you didn't commit fraud.” I will get the money but they shouldn't have this right when we have protection both ways. Now I have $300 more in debt and they don't care. But when their jobs are to investigate and get paid for this and clearly don't do the job description lay before them, they should be reviewed and assured this doesn't happen to other valued and loyal customers.

The bank stopped the transaction and restricted my friend's account. They said it was a breach of security for my friend to accept tax refunds that are not in her name into her bank account. They closed out her account and mailed her a check with the funds that belonged to her. They initially told her that they would mail out all the funds including ours. Then they said they are going to return the money to the IRS 21 days after her account closes. Then they said all three of us must come into a Chase branch to claim the funds. When we explained that's not possible, they said my boyfriend and I can come into any Chase branch with two forms of ID and claim the funds. Then they said all three of us have to come into the branch or have the IRS recall the money.

We had the IRS do a trace of our funds in an attempt to recall it, but it didn't do much since the funds were deposited by Turbo Tax's bank (Santa Barbara Tax Products Group) and not directly by the IRS. Upon contacting Santa Barbara Tax Products Group, they said they cannot recall the money, so that too was a dead end. The last alternative we got from Chase Bank was for all three of us to visit the consular in our country with two forms of ID so that our identities could be verified and confirmation that we know each other. The rep from the bank said the consular agent is to call into the bank for a fax number or email address so copies of our IDs can be sent to them. She assured my friend that the embassy does provide such service and once this is done, a check will be prepared with the funds for me and my boyfriend.

All three of us visited the embassy on the 21st of June and we followed through with the procedure, EXCEPT the consular agent said she would not be able to call the bank and fax any information to them because that is not something they do. The chief of the consular section that handled our appointment notarized our documents with authentic stamps and seal to prove that she saw all three of us. To date, the bank still has our money in a suspended status and refuses to release the funds unless the consular agent faxes in the documents.

Yes, we all made a mistake (one we suffered from for three months), BUT it's to my understanding that the bank should have never accepted the transaction. They should have rejected it so they made a mistake too. Chase refuses to return the money to the issuing bank. They refuse to let my bf and I come claim our money and they won't accept our IDs unless the consular agent faxes them in. So I need some legal advise on how we can take legal action against Chase Bank. Please no lectures about we should have never used our friend's account. It's depressing enough.

When I asked them about this policy, they said that was in the agreement that I signed, that I agreed they wouldn't be held responsible for looking at any dates. Now, I am completely literate and I will admit it was my fault for not reading the agreement. However, I come from an area where there are a shocking number of individuals who cannot read. I said to them, "Why doesn't your staff explain this to people? This is something that can cause a lot of financial strife to the people who don't have a decent income." And I got no response. This is the reason people who are struggling to make it in this economy are having such a hard time. I made sure to mail in my check so it would get there on time, and I most definitely would have had the money for that particular check in the account before the due date. However, Chase is NOT responsible.

I was able to get the overdraft fees credited to my account for the complete unethical practice. However, I will be changing banks to a local bank that has assured me that "dates DO matter." I will also be making all of my 495 clients know that this is Chase's policy and that was their response, and strongly encourage them to bank with a RESPONSIBLE bank. In a small town, it really doesn't take much to make an impact in Chase's business and I'm making it a personal mission to make sure no other people get screwed for trying to be responsible.

I was a concerned parent and I didn't want her to have any problems. I called again to verify everything was good. I made a cash deposit that night and her funds were automatically available to her. Two hours after my deposit, they closed my account without any notification and when my daughter arrived in Italy, she was unable to withdraw any money. I called customer service with no help whatsoever. I was on for at least 2 hours, being put on hold, and being transferred to different departments.

My nightmare isn't over. My daughter is still on her trip without her money and Chase has not released my funds yet. How can CHASE in this day and age close my account within hours of my deposit, CASH deposit, and take over 24 hours to credit my account while my daughter is stranded?

I called that number to open a claim and was told that I would be credited within 12 hours. OK. A few hours later, I got an email with a letter saying that everything was processed completely and accurately. I called them regarding this, and they said that the recollection didn't show anything. I told them that I did not receive any cash back or credit for this, and they pretty much told me that it's not their problem. Thank you for stealing my money!

I asked them if they could review the cameras, and they said I would have to get a subpoena to do that. What happened to the days of we are the customers? Looks like I will be visiting the branch to close out all accounts today.

Chase chose not to lift a finger. Rather than investigate anything, they simply blamed Jennifer and sent the defrauded sum to collection. Their apparent reasoning, although given verbally as they have yet to put this in writing, is that because the criminals figured out Jennifer's PIN, she must somehow be part of the criminal enterprise. Jennifer, of course, contacted Chase's actions and sent them a formal claim, including a detailed affidavit. Chase never budged and Jennifer began to receive daily phone calls from a collection agency pressing her to set up a payment plan. As if things could not get worse, the Illinois Department of Employment Security recently wired a payment to Jennifer's "closed" account at Chase. Apparently pleased with their good fortune, Chase took from that payment all the money they believed Jennifer had defrauded them, sent her a check for the balance, and in a cold, check-the-box letter, notified her that her, "Charged off account is paid in full, no funds due. If this interests you, we would be pleased to provide detailed documentation, including Jennifer's affidavit and the contact info for the Indiana company whose checks were counterfeited. Many thanks."

My account is tied up. Not only is my time unimportant to your bank (spent trying to resolve your bank errors) but neither is a simple step of verifying funds from my account. How about setting measures that confirm the name of the account matching the check at least? I’m very skeptical that this has been a coincidence at this point. I demand an internal investigation of your process, of your employees making these types of errors, of your software's inability to catch such errors. This has to stop. If it has happened four times to me in the past two years, how many other victims are in the same boat as me?

I want to believe in your bank again. I even suggested to your representative closing this account and getting a new account number but was discouraged from doing so because of the inconvenience it may cause. Obviously that wasn't for my convenience. Can you explain how this keeps happening? What is the point in even having a dedicated account number when in my case it really doesn't matter? I deserve an answer and I deserve a promise that you would at least look into a better way of improving a flawed process for all the customers you have that experienced the same as me. I've googled and found there are others like me.

This is a very frustrating matter and it’s time to do something about it! I've even thought about reaching out to other victims I have found online to team up with me and go to the news about your problem. I don't want to have to do something like that. I just want the problem fixed. I don't want to have to type long drawn out messages to an automated system that probably will never be read. This is ridiculous. Oh and your 48 hour period to reverse the mistake stinks. You should really look into adjusting that, especially when there is proof like a check image in your system to simply reverse the issue. I can’t even close the account right now to avoid it from happening more. I’m told to wait it out! That is why this account is not my primary account any longer - I fear it being wiped out by your bank's error and my business matters being placed on hold till you can confirm that it has posted. Unacceptable!!!

P.S. I should send you guys the bill for my time and efforts in one discovering your errors, bringing them to your attention and then being a trooper during your waiting period for my money to be put back in my account. What is it that you guys call this type of transaction? Oh yea, a loan that you make billions of dollars off of each year when you loan out money. What are the current interest rates you charge on personal loans? I'll even beat your rate and give you guys a .5% discount. I'm technically loaning your bank money to cover other people’s checks until you can reverse your mistakes. I mean, you make money off my mistakes so I think that I should make money off of yours. Thanks for your concern!

The next month, my statement came. The minimum due was TWICE the normal. There was a $39 late fee AND my interest rate was now 29.9%! I called and the customer service rep and the lady read what sounded like a canned script saying that customers were advised months earlier that Chase would be taking over WaMu. I told her that had nothing to do with them not taking my payment and raising my interest rate, which made my minimum payment double and my account was closed. She was absolutely NO help. I applied for a loan a couple of weeks ago from another financial institute and was denied based on my credit report. I ordered my free report and found that I had two negative entries from Chase, one for mortgage and one for auto. Chase is feeling guilty. I went to write a review on Yelp and it won't allow you to even get onto their page. They know they've screwed a lot of people. I hope something can be done to help them. Chase SUCKS!

I immediately called the branch and asked them to investigate. I was told that the account was closed on March 19, 2009. Well, it turns out I was in Iraq, and my daughter was in OR. I came back from Iraq in September 2010. I have been dealing with OCC, Chase Bank, spending my time and energy in search of my safety box. All my valuables, my family heirloom jewelry was in that box. I was devastated. I finally filed suit against Chase in April of 2012, in Boston, Massachusetts. I started with an attorney, but soon after, I had to present myself as ProSe, since I could not afford it financially.

During the course of my investigations, we found out that my daughter's signature was forged to put us at the bank with a contract pointing to a safety box that was a stand-alone in the vault. Chase and its attorney kept insisting that my account was closed but could not provide any signature for surrendering the box. I am sure they have the signature, but it is not mine or my daughter's. It is Robo Signature, and they have been advised by legal counsel that it should not be provided, since it would incriminated Chase. Miraculously, the box was found on January 9, 2013. How could this be? They said my account was closed; they even provided computer printouts to prove this. WOW!

I, a single mother, former Math teacher, and a government auditor, have been using my sleep and relaxation time, to fight this. Yesterday, I was forced to sit in a mediation. I was disappointed at the process. After what I experienced yesterday, I, as an American, promise to see this to the end. I want to see justice. I want equitable recourse and punishment. How can we let the big corporations do as they please, because they are "ABOVE THE LAW?"

There will be justice. Those who have been living off of little people like me will know and experience justice, as our forefathers hoped and fought for. I am urging every American to take a stand in the face of these UNTOUCHABLE BANKS, including CHASE BANK, and demand justice. Please contact me with your story if you were wronged by Chase Bank at **.

May the truth and justice prevail.

The next morning, I did the math and I was shorted over a $100. I went back to the bank with my deposit receipt and am basically told I'm a liar. Supposedly, his tally came out correctly but I was only credited for $20 bills even though I had a hundred mixed in with them. I know that this is partly my fault but it's also theirs and I'm pissed. I'm not trying to scam anyone. I just want what's mine. One hundred dollars missing hurts us greatly and I'm pissed that nothing is being done. So I'm going to close my accounts today and I'm going to a local bank. Screw international banks. They never should have been bailed out!

The situation is I requested BofA to transfer fund to Chase account three or four times a month. BofA transferred money within 24 hours and I have proof. However, Chase took two, three on some cases, weeks to update the funds in my account and it's all cash. While my account getting is in service, I am making payments. However, due to lack of Chase Bank processing system, money doesn't get available on time so Chase charge me overdraft fee. I asked Chase customer service why they are taking days some time weeks to update my funds even though it's cash. Their return response is it's a Chase processing time. However, there is no fix or listed timeline when your money will be available. I asked why. Chase responded with another new story. Chase is playing very sneaky and technical terms with me and taking full advantage just because they can.

According to Chase customer service, I don't have contract with Chase for overdraft and monthly fee charges. So how come they don't charge me monthly fee? On other hand, they are charging me overdraft fee. Chase responded, "Sir, because you have deposited $500 or more every month." I asked customer service to open last year's statement where I have deposited thousands of dollars and they still charged me $10 monthly fee. So this story doesn't make any sense. I have done direct deposit last year in September 2012 and since then, I have not paid monthly fee or overdraft fee. In response, Chase offered me another new story explaining, "Sir, there are five different ways you can get charged overdraft fee" and he went on and on. It doesn't make any sense. I am really tired with this bank's customer service.

I spoke with at least 9 different customer service reps, also walk-in to Fremont and Mowry location branch. It amazed me that the more people I talk with, the more new stories I get to hear. My concern is which is a correct and true statement? Recently on the web, Chase customers have complained excessive unknown charges from Chase and how they are unhappy and dissatisfied. I believe that's what happened to me. Since Chase have upper hand, it seemed like they are using their power to make it best for their interest. Please be aware of Chase's terms especially now. It seemed like they are starting to bend rules and terms by taking advantage of people. Please ask for any necessary documents and understand Chase's hidden terms. I have paid about $150 in overdraft fees within the last two month just because Chase held my money for unnecessary reason and therefore I got behind in my payments. I will be closing Chase account.

Chase customer service I have spoken with: telephone banker Mr. ** (25 minutes), no correct response; telephone banker Mrs. Sandra (18 minutes), no correct response; telephone banker Mrs. Legina ** (15 minutes), no correct response; telephone banker Mr. Luise ** (35 minutes), no correct response; bank rep at 38980 Fremont Blvd, Fremont, Mr. ** (inside the bank for about 30 minutes), no correct response; telephone banker Mrs. Dulce **, manager (45 minutes), no correct response, story after story.

My second issue: Back in October of 2012, I booked a vacation for my husband and me to go to Mexico. I booked on Orbitz.com with my Chase debit card. The vacation was scheduled for February 2013. Upon our arrival to the hotel in Mexico, we were told that the hotel overbooked and that we would be taken to a different resort of equal ratings, etc. We were taken about 30 minutes further from the area that we paid to stay in, to a much less nice resort, with very few restaurants and one hour plus from any activity that we wanted to do. The hotel would not work with us, and since we were in another country without cell phones or any form of communication, we were stuck. When we returned home to the States, we tried to get our money back from the awful vacation. We contacted the resort, which is Mexico based, who already had our money and didn't want to refund us. We talked to Orbitz, who was our booking agent, and Orbitz refused to help us as well. So my last resort was to call my bank for assistance. Chase wanted nothing to do with this issue and refused to help us. They claimed to have filed a claim with the company, which of course got rejected. Chase chose not to fight for us and for what was right, which was very upsetting as a loyal Chase customer.

My last, final and biggest issue: My husband had some stock money that he decided to withdraw. We were told that it would take about 8 weeks until we received the check in the mail. On May 4, 2013, we received a check in the amount of $2,880, which was about the amount that we were expecting from the stocks. My husband was running errands when I received the check and he asked me to deposit it in our checking account. Upon making the deposit, I called the 800 number on the back of my debit card to confirm that the check has been deposited in my account and wanted to see how long I should expect until the check has cleared. The representative stated that it would take about 2 business days to clear, which means that by Tuesday, it should clear. I called again on Sunday and once again on Monday to see if the check had cleared yet. The representative said that it has not cleared but by Tuesday morning, it should.

Sure enough, Tuesday morning at about 3:00am, my husband received notification that the check cleared and the money posted to our account. Not only did we get the notification, but I contacted Chase myself via telephone to confirm that the check had cleared. I was told that it cleared and the money was posted to my account. This was great news, considering we had a few debts that we wanted to pay off. We paid a bunch of bills, as well as purchased groceries and some other things. Wednesday afternoon, I received notification on my Chase app that the check had been returned, and my checking account was negative almost $1,000. I immediately called the bank to find out what has gone on. I was told that the check came back to Chase, and that it had not cleared. Now, I don't work at a bank or in finance, and I only know that the check had cleared because that was what I was told by a representative of the bank that I put my detrimental reliance into.

After hours upon hours of phone calls by myself and my husband, we were told that the check we deposited was fraudulent. What! First of all, when the question was asked why they said that the check cleared and made the funds available in my checking account if they weren't sure that the check actually cleared, the response that I got back was, "Unfortunately, we made the assumption that the check would clear because it was a Chase check, but it didn't actually clear, so you are responsible for the funds, as well as nine overdraft fees to the tune of $34 a piece." Wow, just wow. So if this is a bank error and the bank that I pay to manage my money and protect me from fraud didn't catch this, then why and how should I be responsible? In my mind, if someone at Chase made an assumption or gave me a courtesy, as the representative stated, shouldn't the liability fall on Chase? Not to mention it wasn't until almost two hours into the phone conversation that the representative told my husband that the check was fraudulent. Shouldn't this have been the first thing that was said when we called?

That is not a small detail or something that should have been left out of the conversation. The whole reason that people use banks to hold and manage their money is because they have the resources to do so. I don't have a fraud department in my house and I have no way of knowing any of these things on my own that is why I have a bank and a reputable bank at that, one that is on my side and wants to protect me from things like this, not fight with me! After many painful hours, being passed from person to person on the phone, I finally contacted my attorney about this issue. I explained the entire situation and asked if I was in the wrong. He said absolutely not. This is something that Chase needs to take liability for and if it means that we have to move further with a lawsuit, then so be it. He recommended that I go to a local Chase branch and speak to someone face to face versus on the phone before any legal action is taken.

So, on Thursday of that same week, that is exactly what we did. We went to a local Chase branch, where we worked with the branch manager for several hours on this issue. During this time, she called multiple people, including her boss and someone at the Chase executive office. Every phone conversation began with the manager stating I need to get a credit issued for a bank error made on a customer's account, but to no avail. Every person that we spoke with said that part of their deposit conditions state that a check can be returned at any time, and the customer is solely responsible for all checks deposited in their account. The deposit conditions that everyone spoke of are a complete joke. It's about a 20-page booklet of completely unjust rules that no one about besides Chase employees. All customer service representatives and managers stated that although it was their error for releasing the funds, my husband and I would still be responsible for all fees as well as bringing our negative account into the positive.

Every representative that we were in touch with during this entire process openly admitted that releasing the funds into our account before they knew the check had cleared was a mistake, yet they are holding us, the customer, liable for the funds. I am not asking for the amount of the check to be paid to me. I just want what is fair. I want my account in good standing and I want Chase to take liability for this issue since it was 100% their mistake. I am doing everything I can and spending many hours of my time trying to get this issue resolved, but I don't seem to be getting anywhere. This has been a terrible process all around, and I just want to be treated fairly and respectfully as a loyal customer. This issue has yet to be resolved.

On Tuesday morning, I checked my bank account and was shocked to find that my account was overdrawn over $2000! I called the bank and they told me that they had approved 2 transactions that were made when my card was stolen and that they would not be refunding my money because the person had my PIN! My PIN was in my wallet because I am a very forgetful person and they tell me that I must have given it to this person to use my account. I now have no money and all my account is overdrawn and Chase is not even willing to look into the matter. I need something done about this asap. I have a kid to take care of and this was all my savings. What am I supposed to do now?!

Two hours later the teller called and said the Fraud Dept said that there are bad things on the internet about the judging agency! Imagine that! Bad things on the internet? I guess it doesn't matter if there are sufficient funds in the account? The teller asked me if I wanted to pick up the check. I said, "deposit it." She said that they would freeze all of the funds in my account for 10 days. I said fine, the check is good. Three days later, I got a letter from Chase telling me that when the fund clears, they were closing my account! Wonderful! I was going to close it anyway. I have my 2013 Pathfinder from the local dealership. Chase may have tried to take my joy away, but they didn't succeed.

Needless to say no card on Monday, so I called Chase again, where the customer rep proceeded to argue that it hadn't been 8 business days yet, it had only been 6. So I took her back to kindergarten, asked her to look at her calendar while I looked at mine, and we counted each day; and sure enough I was right, 8 days. At this point she proceeds to tell me if I needed a card more quickly, I should have asked to have it rushed 2-days shipping. When I inquired why that wasn't offered to me on my original call, she replied "It's our policy not to tell customers because it costs us more money to do rush shipments." I admit at this point I lost my mind and hung up.

Yesterday, I arrived home, checked the mail and still no card. So I called Chase again and explained what had been going on and again, was argued with that it hadn't been enough days and that I should wait until today because the card would absolutely be here. So then I told the rep, “Forget it, I don't believe you. I want a card 2-day'd to me so I'd have it before the weekend.” She proceeded to tell me she could do it, but she would recommend I just wait another day because the card would surely arrive by today. I told her “Absolutely not, order me the card to ship out in the morning via 2 days UPS.” She hesitantly agreed and ordered a new card for me.

So I get home today, still no original card and that made me wonder if the 2nd card shipped today as promised. So I call Chase for a 4th time this week to get the tracking number and what do you know, my request from last night hadn't been processed until this afternoon and did not get shipped today, but would go out tomorrow and arrive Monday - so another weekend with no card.

This wouldn't be a big deal if they could've just given me a temp card until my new one arrived. But because I opened my account 12 years ago in a different state, they weren't allowed to give me a temp debit card. No one could explain why that was, it just was. Needless to say, I will be opening an account elsewhere tomorrow which sucks because I now have to change all my auto bill pays and everything that goes along with a new account.

In short, Chase demanded my personal account log in info to verify my account. The alternate way doesn't work and would be impossible by most people to find implying that they really don't want you to use this method. I spent three days, over an hour on the phone, just trying to pay a bill I routinely paid. I am very concerned about their procedures as it is a set up for mass ID theft. Based on this, I will never use Chase Bank again in the future.

I ultimately spoke with Anna **, who assured me it would be resolved only after I wasted more time filling out paperwork to fix the error on their end. I faxed it to her attention at the number she provided 1-866-268-0064. She was to expedite this matter. I called back 2 days later and she still hadn't attended to it. She finally found all the paperwork and assured me it would be fixed. I spent 10 minutes on the line with her going over each sheet of paper to confirm she didn't misplace one of them. She confirmed receipt of all 6 pages including the voided checks. A month later, I logged into the account online. The issue is still not fixed. They applied half of the transactions to the correct year, so they obviously received the documents and just neglected to actually pay attention to all of the pages.

I called through and ultimately got to a call center, which refused to transfer me to a US representative. After 10 minutes, I was transferred to Tiffany. I asked to speak to her supervisor. She refused and said she could look into it. I asked that I just be transferred because I already had wasted several hours on this matter to date and didn't want to waste any more time. She wouldn't transfer me. After 12 minutes with her, verifying account information and looking at the information in the system (of which there are only 6 sheets to look at, 2 of which were voided checks), she didn't get any closer to resolution. I asked multiple times to be transferred to a manager. Her supervisor is Ana **. She won't answer her phone or return voicemail. I asked for Ana's supervisor and that person is apparently not in. I asked for that person's supervisor and was put on hold for over 30 minutes. Find a different provider. This is ridiculous.

After doing so I contacted them again and was astonished to learn they had arbitrarily rejected her POA. Trying to resolve this, I visited the Chase branch in Harker Heights, TX, again, dealing with the manager, Mr. **. I explained that this POA had been accepted by numerous financial institutions including Wells Fargo, US Bank, and USAA, as well as by the Federal Government. Mr. ** was completely professional and courteous at all times, but denied my request to speak to the Chase lawyers who made this decision and told me I had to work through him.

Fortunately my mother executed a comprehensive estate plan when she retired in 2003, and it had a separate Property Power of Attorney containing over 20 pages detailing every possible power and contingency. It had to be activated by statements from two physicians that she was incapable of handling her own financial affairs. We obtained these from her doctors and took the PPOA to Chase. This time, it came as no surprise when their lawyers again arbitrarily rejected her legal documents. Chase has never provided any written explanation of their decision, only a verbal statement to me by Mr. ** that her Powers of Attorney don’t follow their in-house format. They are unconcerned that their format was not available to my mother when she signed her POAs, that they never made them available at any other time, and that she is now incapable of executing them.

Those who don’t know me personally may be skeptical that any bank would behave like this. I’d be skeptical myself, so I’m ready to document every claim I’ve made on request at my email address below. I offer this because I want your help. I’m making it my mission to tell the world what Chase Bank is doing and keep anyone else from having their money turned over to the state by them. I’d be grateful if you’d pass this email along to everyone you know. In 2008 the U.S. Government proclaimed Chase too big to fail. Now Chase seems to believe they’re too big to serve their customers, or even to follow the law. I’d like to prove them wrong.

I cannot sell the property because my ex-husband will not be cooperative. I have been exceedingly willing to give back the property so they can remove my name from it, and so that the condo association for the property can have a paying occupant in it. I don't have the money to bring civil suit to remove my ex-husband, and the police won't do anything about it. Chase's lack of action to foreclose on the property is disgusting. Chase has closed my requests and the only person standing in the way of relinquishing the property is a person who is living there illegally. How can Chase allow this to go on? Chase is not the self-proclaimed company with a proven commitment to our customers, community and economy. If a family were struggling to make the mortgage payments, they would be out on the street by now.

In February 2012, the account magically opened back up. So I contacted my bank (M&I/BMO Harris) to verify my final payment that was made in March 2011. It was electronically verified that Chase Bank received the payment (they cashed my check). I sent Chase Bank the proof I had that this account was paid in full on March 17, 2011. I received a letter back stating they did a thorough investigation and that I still owe $49.49 plus all interest and fees. I believe I am being scammed. The phone number I was given to contact is 1-800-955-8030 at Cardmember Services. They want money. What should I do next to stop this unfair practice?

So this Chase phone operator called me to verify my transaction. I called Chase back to the number provided to make sure it's not a scam. The so-called specialist started to fire the security questions at me. I answered perfectly and was sure everything would be fine. But after half an hour of interrogation in a sour tone, she wanted to call my other bank from where I had transferred some money into my Chase account. I was placed on hold for a long time until she established a three-way conference call with the source bank for the transaction (both local banks where I've been a customer for 15+ years).

It turns out that without me giving my password away, they couldn't verify the transaction. So after all the hassle and sour interrogation, I still must go in person to the branch! I am miffed for 2 reasons:

2. The woman called Virginia was extremely rude. She had an annoyed tone throughout the ordeal and kept telling me that she was doing me a favor. She also used a threatening tone to tell me that I would have to go to their branch in person if I wouldn't out with her rude behavior for longer (which in the end I have to do anyway!).

There are incompetent people everywhere, but Chase seems to take the prize in using them to waste your time.

I am very upset because I had to walk home over 10 miles because I didn't have money available. I'm missing my flight to Puerto Rico tomorrow because my card is restricted and I can’t pay flight 4698 7:45am, 12/30, in which I haven't seen my mother in over 3 years. I'm losing work time 7 days in which I'm stuck in Chicago. My rent is late, late car payment and I have no money to eat. I'm 60% disabled veteran and this has been the most stressful day I've ever experienced. The Chase employees I spoke with have no respect for their clients. I was very disappointed in the treatment I received. They were rude and unwilling to help, it was a huge inconvenience. How could they restrict me and stop my account when 20 minutes earlier I had access; this was heart breaking.

On 12/29 at 7pm, I spoke to supervisor Catherine. After I explained my situation and explained I had no way home, she was rude and said I’d have to figure it out. I told her she was rude and asked for her full name; she hung up on me. Luckily, the person that transferred me told me her first name. On 12/29, 7:15pm, I called back. I was freezing walking home and stressed out. I spoke with Cathy **, supervisor. She was horribly rude, said my account was restricted and why did I even open an account back up with Chase. She said that she wasn't going to do anything about this and that I would have to wait up to 30 days for a check to be mailed to me. She wouldn't even explain why they were doing this to me.

Finally at 7:45pm, I spoke with Alma, a manager. She was the only helpful person who was very apologetic, talked to me in a professional manner and didn't treat me like an animal. She wasn't able to solve the issue but did mention to come into the bank first thing Monday morning and see if the bank would expedite my money since it’s a direct deposit. This all happened to me the first time already when they closed my account and I had all types of late fees. I tried to give this bank another try and they pretty much could care less. This has to be by far one of the worst experiences that I have ever dealt with. Thank you for ruining my New Year. I will be reporting this to the BBB and see if there's a law suit that can be filed for what Chase has done to me that can’t be taken back.

The card has been declined for that reason three times in 18 hours. So, I called the number on the back of the card, only to find out that customer service is outsourced to the Philippines, where it is extremely difficult to understand them. She insisted that the information was correctly linked, even when I kept telling her it isn't. I asked for a supervisor who then told me that they are not authorized to make any changes (a completely different situation than the false information I had just been given). I'm not at all happy with businesses that outsource American jobs to increase their profits and avoid paying taxes, especially when the outsourced service is not authorized to do anything.

After Chase Bank allowed these fraudulent withdrawals to occur for a year, despite my repeated requests to close the account to prevent this from happening, they finally credited one of these accounts for less than one half of the fraudulent transactions that have occurred. Of course, the fact that Chase Bank applied this partial credit very clearly indicates that they are admitting that they allowed this fraud to take place. Of course, a full credit needs to occur with this account, as well as with the other accounts.

Chase Bank was presumably mailing statements to an incorrect address, and I was not allowed to view statements online as I have been in a remote area of the Philippines for the past 5 years, and Chase Bank had an old email address on file, which did not allow me to complete the online banking application, in order to view the account statements that were never mailed to me. Chase Bank never updated this email address to allow me to view online statements despite numerous requests to do so, until November of 2012. The bottom line is that Chase Bank owes me the balance of fraudulent transactions that they allowed to occur with respect to the account that they applied a partial credit to, and the same holds true with respect to the other accounts I had with Chase Bank.

If Chase Bank continues to refuse to return my money to me and forces me to litigate the matter, I am pretty certain that there are prior judgments that have been rendered against Chase Bank for them allowing fraudulent transactions to occur to their customers’ accounts, and I suspect that there are numerous other instances where Chase Bank has allowed this to occur, that have not been pursued by Chase Bank customers. So needless to say, I think the potential for a successful class action lawsuit is great.

They were so rude and unwilling to help me. I filed a police report and went back to another Chase branch where a very nice manager spent over 3 hours one morning making phone calls and helping me straighten things out. I was able to open a new account at Chase, and the fraud was removed from my name. That was in April 2012. Since then, there have been two instances where my credit card and debit have been charged for items at stores on the other side of the country for hundreds of dollars. The first time it happened, my card was being declined everywhere I went. They didn't notify me that there was anything wrong, just made it impossible to access my own money once again. I had to call to have them credit back the money and send a new card. This was really worrying.

The same thing happened just over a week ago, some charges being made to my card from some place in California. Again, my debit card was being declined everywhere I went. I called again, and sure enough, they canceled my card and didn't feel the need to notify me. They are supposed to notify me if there is any fraudulent activity. They refunded the money that was spent and said they would send a new card in 2-3 business days. That was close to two weeks ago. I called today very upset because not having my debit card is a huge inconvenience. I don't have a vehicle, and it's a long tram ride to the bank to withdraw cash.

I have online bills to pay and things to get done before I leave the country this week. They said they'd issue a new card and it should arrive Tuesday at the earliest, Friday at the latest. I am leaving for Australia on Thursday. I am absolutely livid. They should have sent the card next day. At the very least, it should have arrived in a reasonable time frame. They said there was nothing they could do to make it come any earlier. I will be going to Chase in person today to withdraw all my funds and move it to Wells Fargo. My friends who bank with Wells Fargo and Union are all very happy with the customer service and haven't had any experience with fraud. My one friend who banks with Chase had a similar experience as me and is no longer with them. I don't know why I have stayed with Chase for as long as I have, but I am very happy to leave them. It is a gross company.

The same day, I contacted customer service and I requested an explanation as to why my account was placed on a restriction status/frozen, and is on hold. The representative refused to give me an answer. Instead, he was very rude, impolite and said that the Chase Bank has the right to do whatever they want without customer's approval or knowledge. In addition, at that time I have a balance in my account in the amount of $1,063.59. I requested the representative to send me a check for that amount and his answer was the matter is under investigation and therefore I could not get money from my account. I have followed all the proper procedures and contacted my financial institution. I am shocked and disappointed that I was refused to get an answer.

I have been with Chase Bank for over ten (10) years. Very happy and proud with the bank, bragging to all my friends that Chase is the best bank to belong to. Now I have slap in the face. If Chase Bank decided to close/restrict or freeze my account, I think as a customer/consumer I should know the reason why. I had many transactions going on my account, for which I have scheduled payments. Unfortunately, the payments were stopped/returned even though I have enough funds on my account to cover the balance. Instead, I got charged with penalties, late fees and stop payments. I don't think that this is a fair business practice. I feel that Chase Bank has treated me as a criminal. I don't think Chase has been fair.

They should at least communicate this matter with me, especially. I know that I am not conducting any unusual or illegal activities and therefore I am demanding an answer as to why Chase Bank refused to provide me as to why my bank account was placed on a restrictions status and frozen, and could not get access to my money. I am unable to access my current account. I have spoken with customer service on many occasions and still cannot get any answer or resolution. I am very disappointed in the treatment that I am receiving from Chase with no compassion. I will be pursuing this matter with the Consumer Affairs, Better Business Bureau and State of New York Insurance Department. I will be pursuing this matter further.

When the IRS caught the double deposit, Chase Bank took the money back out of my account and not the other person’s account. When you look at the cancelled check after the second deposit, it’s obvious that there was fraudulent activity and the bank should have taken the money from the other person’s account and not mine, since I am the one the check was made out to. And it is illegal for a bank to deposit a government check into an account other than who it is made out to. Chase’s response to all of this is that I should have destroyed the check after I deposited it.

I had been a victim of bank fraud, Phoenix Police Department report # **, and my financial institution JP Morgan Chase & CO refused to provide any fulfillment for a fraud protection service paid for religiously each month. Chase is in violation with the United States Treasury Department in reference to 31 U.S.C. § 3343 for not only honoring a counterfeit treasury endorsement but accepting a stolen check that had already been reported to the U.S. Treasury Department as deposited by JP Morgan Chase & CO less than 2 months prior. Further action is being sought with United States Department of Treasury and the Federal Reserve Board of Regulation for JP Morgan Chase neglecting to follow standard protocol when accepting government checks set forth by United States Federal Government and for allowing fraudulent activities to continually victimize Chase’s own members, showing no regard to the safety of the victims’ financial assets.

Attempted to have this matter resolved with J P Morgan Chase & CO, case # **, only to receive a letter, after Attorney General Complaint CIC **, that went to the extent of defaming my character and based their refusal of accountability on false allegations not supported with any sort of evidence. A blatantly obvious bank error that should have been easily corrected is now being covered up to the point that even JP Morgan Chase & CO executive representatives are willingly violating Chase’s own bank policy on Code of Ethics.

I have no desire to affect employment statuses of the many Chase employees who have done me wrong. All I seek is what is rightfully mine, the $639.00 from check # ** tax returns for work performed in 2011. I feel it is an insult to a person’s intelligence when you tell an individual, in essence, “Sue me” very well knowing that your disclaimer releases the institutions from any legal responsibilities or restitution that is rightfully due to the victims of Chase members. It is not alright for banking institutions to have zero accountability for their actions.

On 7/30/12, I was forced to file a Chapter 13 in Los Angeles. I then received a bill that showed an escrow account so I called Chase. After getting the runaround, I finally got through to a representative who was going to reverse out my payment, have the escrow removed, reapply my payment effective 8/6/12 (for my 8/1/12 payment) and everything would be okay. Well, since then, each month I get a bill showing me more and more behind. Each month I need to call and get it straightened out. I even received a notice dated 8/19/12 that the escrow account was cancelled(?). What escrow account? Needless to say, I've been going through this every month. I spoke to a representative in the bankruptcy department on 11/13/12 by the name of Angela, who reassured me that there is no escrow account and that she would send a request to both the attorney representing Chase in my bankruptcy to amend the proof of claim, to show me as current and to have Chase make the correction to my loan that need to be made.

Each month, I pay my payment via certified May, with a cashier’s check and all have been made. After I hung up with her, I get a bill showing me $4K+ delinquent. I have done everything I'm supposed to and Chase is the one that's screwing up and I get told, "Maybe we can have Chase pay the attorney's fees in court." Maybe? What is everyone talking about? I'm one person, forced to file bankruptcy because my 2nd mortgage holder wouldn't modify my loan, when my husband was diagnosed with stage 4 cancer and placed on Social Security and I have all the documentation from Chase that they screwed up and I'm the one they wanted to pay the bills. Is there someone who can help me with this?

A piece of advice to anyone following in my footsteps: never accept a bank's word on their policies. Of course it's in their best interest to have a one-way flow of funds from their clients' accounts to Chase's bottom line! Work your challenge with as many different people up the ladder as possible, sooner or later you will find someone who either sees reason or just wants to dispose of the issue. Unfortunately, my persistence in fighting the system has some disadvantages. Chase has abusively placed a "Trespass Warning" on me. I would normally just shrug this off as I would never knowingly use their services again, but the wording was so vague as to leave open the distinct possibility of an accidental trespass.

In fact, in order to assist with my compliance to their request, I asked for a list of any land, building, property or premises of JP Morgan Chase & Co or any of its affiliates or subsidiaries. Chase branch offices are easy enough to avoid, but do they really expect me to research and maintain a list of all their affiliates' and subsidiaries' holdings? Anti-bullying is currently a trend in today's media. I think a lot of those "bullies" would feel right at home working for JP Morgan.

I then asked how that was possible; this is the same PIN I set up since day one. He kept repeating himself and speaking over me. I then asked to speak with the branch manager and he told me that I was speaking with him. I again asked what we could do to solve the problem and he had told me that I had to reset my PIN. When I asked him why if it’s not going to solve problem of it being ran as credit, he then got upset with me and began speaking loudly and telling me that he couldn’t do anything without calling and finding out. I told him that I could come down to the bank to discuss my account with him and he said that if I did that, he would have me arrested and taken to jail. What for? I’m not sure. I told him to call and find out why it wasn’t working and to call me back, he took down my phone number, and said he would call me back that day, and never did. That phone call took place a week ago and today, I went into the bank for the first time when he was not working. I sat with a banker, as mine was gone again, and reset my PIN. I got the phone number for the corporate office and called his boss.

The lady called me later that day and refused to believe my story. She said that a note would be made in his file and that was about it, I then got her boss’s phone number. This is no way to treat a customer, and this is no way to go about customer service. I reset my PIN today and my card still did not work and it still works at the ATM. They have not solved any of my problems!

It has been over 47 days since we have submitted that offer. There has been no communication from Chase regarding the offer. The seller has called the hotline every other day to get an update. The only thing they tell us is that "It's in the process." They're not telling us if the BPO has been done. It was supposedly assigned to an escalation specialist about 30 days ago. That title means nothing and that person should be fired. Oh and by the way, if you visit the Chase website, it lists that all offers will be returned within 30 days. What a joke.

As a first time home buyer, Chase Bank is ruining this process which is supposed to be one of the greatest things you ever experience. They are turning me away from buying a home because they make the process so difficult. I will never, ever buy anything from Chase Bank, Chase Mortgage or anything affiliated with Chase Bank.

The card was lost prior to the fraudulent transaction. My daughter explained she didn't know of any insurance company in Connecticut or elsewhere (we are in NYC) nor knew anything of pending checks. She is also a college student - freshman. The rep told her maybe she had forgotten she deposited the checks. Is this not a sign of cover-up? She was appalled and told him she did not deposit any checks. The check was deposited 5 times to her account for the same amount totaling close to $5,000. The Rep was very unprofessional to suggest she had forgotten. How asinine of a statement was that?

Then she was asked stupidly to sign her signature on a piece of paper for comparison to one line signature on fraudulent checks. This is another telltale sign the bank may be very much aware of this trickery. The bank doesn't need you to sign your signature for comparison - they have it on file already. Uggghhh. She was told somehow, someone used her ATM with her pin. No one had access to her pin and she did not need to have it written anywhere. She filed a complaint via the bank rep. He stated they will remove the checks. She requested her account be closed. She was told they cannot close the account because it had an outstanding balance of -$270.00 for the return checks. Okay, something is obviously shady. Why would five fraudulent checks cost $270 dollars in fees?! Why would the consumer be responsible for fees when the bank is well aware it was fraud?!

After reading and researching, this has happened to several people. It makes you wonder if these types of situations are inside jobs. I intend to file a complaint with every appropriate party I can. No one has money to just fork over to Chase because they say so. Forget about calling customer service; they will send you to 'Deposit Review' who was useless to say the least. Then I was forwarded to 'Check Investigations Dept' whose English was very difficult to comprehend. So after being sent around the world, the bottom line, after following up via phone, the answer was, yes, the bank submitted a claim, but it was denied. In order to close account, the negative $270 must be paid.

This is bank BS. Why should someone pay for someone else’s illegal activities that the bank should have noticed early on. Sadly, Chase is chasing away customers at a rapid rate. Keep in mind, the check only had her name on them, no account number on checks or any address for her. The bank claimed they held the checks because they needed to verify them. It took well over a week before they removed the pending checks from her account. In today’s technological advanced world, it took that long. Why? Because they are not being forthcoming. Point Blank.

I called Chase. They put a block on both my debit and credit card because they thought someone else was trying to use my card. Thank you, Chase, for the extra belt of security, but come on. I had to leave the gas station with a dwindling amount of gas in my tank, severely frustrated. I couldn't even pay my bills or buy groceries for a day because they thought that me buying gas at a gas station where I live was somehow fraud. They claimed I had entered the wrong PIN, which I did not. I've been using the same PIN for over 10 years. I've never changed it. I double checked it to make sure because sometimes that happens. We enter the wrong PIN, but not three times in a row.

This was a huge ** headache and I was even treated poorly by the gas station attendant. He said, "That means you have no money in your account! Go talk to your bank. Have a nice day." This is only the tip of the iceberg. After a frustrating evening, two-hour long calls with Chase, I was finally able to get the issue cleared up. A week goes by and I get a text message that my debit card is being cancelled due to suspected fraud and I would receive a new one in 7 to 10 business days. I thought, "Uh-oh, better check online to make sure no one has paid for something I didn't authorize." Guess what? Every transaction was mine.

I felt so strange having to call them to tell them, "Hey, I am not the victim of fraud, don't cancel my card." And I did that. They responded with "Well, we received word from our fraud monitors that there was the possibility of fraud." I replied, "I live and work in (this) city. Charges are going to be made by me in and around the city. I'm going to use my card. I look at my account almost daily. If a charge occurs that I didn't authorize, I will let you know. But I made these because I have to live. I buy things for survival. That's not fraud."

Apparently, Chase didn't think so and they cancelled my debit card because it's in the contract that I signed with them some 11 years ago, that they reserve the right to cancel my card without my consent, even if there is a positive balance. Thank you, Chase, for being the biggest pain in the ** ever. Life isn't difficult enough that I have to worry about whether or not you're going to put iron bars on my account every time I go to the grocery store.

I called the rep who helped me and cussed her out. She said it was out of her hands. They took all my money which included my rent and car note payments. Now, it gets better. I got a letter a week later saying they are closing my account with the only excuse that I am a risk. Now, I am already pissed. Now, I had one direct deposit going to this account before I can move it to another bank. Well, my deposit is at Thursday morning 12am. I got up at 5am, no money. I checked at 6am, no money. I called my job and they advised me it went to the account. I called Chase and they said since my account is about to close and that I am a risk to them, they are holding my deposit for another 72 hours to check to see if the direct deposit was intended for me. All I want is my money to pay off my overdraft in which by them pulling my money out to cause my overdraft to have my account close and I will be done with them. Forever they will set you up and let you fall hard. Never again. They are the worst bank ever.

I called Chase Bank immediately with regard to this unauthorized transaction, since the transaction was still pending at the time I called. The customer rep asked me to call back when the pending status is replaced by actual date. Then I called Global Payment (the owner of the ATM at the casino). The customer rep created an instance for investigation. The next day, 9/3/2012, I received a call from Global Payment and was told that they reversed the transaction and money will be credited back to my account within 7-10 business days. On 9/5/2012, I called the bank again for this unauthorized transaction. The customer rep transferred my call to the claims department. The rep from the claims department opened a claim for me for investigation. On 9/6/2012, I was told by the claims department that I have to wait for 15 days in order for them to investigate. The reason is that the Global Payment told Chase that they will refund my money.

By their policy, the waiting time is up to 15 days. I am not satisfied by this answer because: 1) The transaction was cancelled. I did not get my own money from my account; 2) The system error on that machine is not my problem. Why do I have to take the responsibility for 15 days? In fact, that is the problem between the bank and the owner of the ATM; 3) The Chase Bank took out my money from my account without my authorization and then asked me to wait for 15 days. Bottom line is, I want my money back to my account immediately. The amount is $913.50. It is my money and not a loan or something else.

When I spoke with someone about it, his only comment was, "We can't predict when the merchant takes their money." Uhmm hello!? It was already posted to my account. There should have only been 1 overdraft charge, not 2. I guess it's people like me who can't make it over there to close account (due to it being a joint account) during regular business hours that keep their company running. I would much rather lose a few dollars in wages at this point than to have to keep paying them hundreds in overdraft fees!

The investment officer proceeded to steer me into an annuity account and had me sign contracts for this account. Little was I aware of at the time that the account was not a savings account at all; it was an annuity based upon earnings from the stock market and it had a seven-year contract. I also noticed that it is some kind of retirement account that will only pay me less than $600.00 per year. Chase Bank has cheated me completely. I stand to lose a substantial amount of money on this. The investment officer was not truthful in this transaction. All he wanted was to get my money. I am already retired. I wanted a savings account and the investment officer completely steered me into a long term account that will take 20 years to collect back my $10,000.

Now I may have to spend more money to hire an attorney to fight with Chase Bank for the return of my $10,000 investment. The investment officer did not explain this "savings account" to me nor did he tell me about the "free look" provision. I had gone to China for 6 months and upon my return to the United States, I noticed my "account" had not gained any money but was in fact losing money. I waited for the year to pass to see if I would gain the 5% promised to me. By the end of the year, I had actually lost several hundred dollars from my $10,000.00 investment. I filed a complaint with Chase Bank which was forwarded to the Compliance Officer of Chase Investment Services Corp. He wrote to me and informed me since I signed the initial contracts and I had not opted out of the contracts with the "free look" provision, that he was under the impression that Chase Bank and the investment officer had followed all procedures properly.

I informed the compliance officer that I was out of the country during the time the "free look" provision was sent to me and he informed me it made no difference. He was standing by the fact that I signed the original documents. I feel the original annuity opened up to me by investment officer was fraudulent in nature as to what I informed him that I wanted in the beginning. Had the officer explained to me in full the terms of this investment, I would have never entered into it. Had it been explained to me that this "account" was based upon earnings from the stock market, I certainly would not have entered into it. And if I would have been offered the opportunity to opt out of the contract with the "free look" provision, I would have.

The investment officer knew I was leaving the country and would be gone for several months because we had discussed this while I was in his office. He never informed me of a "free look" provision and now, Chase Bank will not stand behind it anyway. I never received the "free look" provision nor did I have the opportunity to examine it and opt out of the original contract. For these reasons I have initiated complaints against Chase Bank and Chase Investment Services Corporation. I am a retired individual and can ill afford to lose $10,000.00 for a seven-year period with the potential of losing part or all of my investment during these seven years. I feel this matter should be investigated and the investment officer's business practices be investigated as well.

I had no idea what activity has taken place until a letter was sent and I spoke to a representative from the bank notifying me about the transactions that occurred. It seems that someone deposited checks in my account and then withdrew them. Chase cleared these checks but these checks were fraudulent checks. Now I have an overdraft free of about $3,000. This is disturbing and quite frustrating because Chase is now telling me that I owe this amount when in reality, I never withdrew this amount.

I’m writing this letter to notify and plead my case about this devastating ordeal. I’ve explained to the bank that I had no knowledge of these transactions. It may sound absurd but I didn’t realize that I lost my card until I received a letter about these checks that were being deposited into my account. I had no money in my account, so it wasn’t imperative for me to manage my account daily. I wasn’t using my debit card on a regular basis, only when my mom notified me that she was depositing money in my account during my stay on campus.

When I received the letter, I quickly went to Chase Bank and asked for further help. I filed a claim to investigate and it was denied. Chase then told me “they couldn't do anything else for me and I had to pay them back the money.” I made copies of the 4 Western Union fraudulent checks on my statement and a copy of my transaction history, and went to the precinct to file a police report. The cops told me I needed to call the Chase Corporate Office and let them investigate it further because that it’s their job. I did but Corporate Office refused to investigate it, and they denied my claim and didn't offer to do anything.

I am writing as a college student in despair. Please, if someone can help me resolve this situation, I would be more than grateful. I know that people are victims of fraud daily but as a college student, I cannot afford to pay this amount especially when I had no idea of it. Please help me!

Two days later, I happen to log on to my checking account at another bank only to see that my last 15 transactions were overdrawn with a $35 fee for each of them. Looking back in my account, I see that Chase decided that my direct debit payment was not enough for them and they decided to also redeposit the check. So, I called Chase again and this time another woman tells me that Chase always redeposits returned checks and I never should have made the direct debit payment, which of course, I never would have if the first woman told me that.

Now, Chase refuses to return the extra payment until I produce an actual bank statement (no, the online summary of transactions is not enough) which I will not get for another three weeks. My checking account is negative. I have no money for gas to get to and from work, no money to feed my family for the next month, and Chase does not care one bit. Apparently, they feel that they can do whatever they want and can hold on to my money for as long as they feel like it.

Chase is a monstrous company which takes you around and around in circles until you are so frustrated you just quit. With these applications of my payments, I will never pay off this loan. I do not know where to begin. I am sure I am not the only customer that they are overcharging, but I do not know where to go to get some justice. I have talked to several managers and all they told me after they looked at the documents that it should not be this way and the computations do not make any sense to them either." Then I am transferred to someone else. This is not my first mortgage, just the only one that I have ever had that can't seem to be figured out. No matter how many documents they send me, they can't seem to give me a straight answer. Please help.

According to Federal law, the banks are not to seize income from disability payments. It seems that Chase bank does not recognize veteran’s benefits/disability pensions as disability. If they had treated my account with the same regard they pay to people on SSDI, then my son wouldn't have had to support me for the month of June which created a hardship on both him and me. I attempted several times to contact the bank levy department in the county that my case is located. I got an answering machine and at no time did anyone return the multiple messages I had left.

One month later, I finally got through to a human being and my issue was resolved by the end of the day and the hold has been removed. My issue is that Chase could have prevented this whole thing. I am relieved that my issue has been resolved but am concerned for those who this will happen to or is happening now because of a lack of policy change by Chase. They claim to be supportive of America's veterans, offering jobs, all kinds of words but their deeds and policies cause grief and problems for disabled veterans.

As a result of the hold, they took fees ($125) and I spent hours getting the insufficient funds charges of $170 removed from my account. When I mentioned this to the online banker for Chase, she said she was not able to pass this issue affecting veterans along to her superiors.

When I called her on March 3, she did not acknowledge that she had received it or any additional information that would have helped me take the next steps in the process. I sent a certified letter to the Chase Bank Deceased Processing group (After researching this on the web, you'd think the branch manager could have referred me to this department.) on May 9. I received confirmation that the letter had been received via USPS on May 18th. In the letter, I included my dad's name, SS#, DOB and copies of the beneficiary form and copies of the accounts. I included my name, phone numbers, mailing address and instructions, and asked them to call me if they had any questions or need additional information. Nothing.

I finally called to see if I could get any status on June 22. The person that I talked with did confirm that they had received the certified letter (the first acknowledgement of my existence) and said that a decision was pending. If I call back next week, they should have an answer (to what I am not sure, but it's pretty simple. Either your recognize the executed agreement on your form and let me know next steps or you don't and the accounts go to the estate). I called again today (June 25). Another cryptic conversation with a woman saying that I would receive a response via mail. When I asked if there was an expected time frame that I could expect to receive the response, she told me by May 28th. When I pointed out the fact that it was now June and May 28th was 5 weeks ago, she changed her answer to 5 business days. Good times. The amount of frustration and anguish has been overwhelming.

After 7 months of certified letters to Chase and ChexSystems and legal advice, I took them to Small Claims court. I showed up for the hearing and was told that Chase moved it to Federal Court. Again, another example that the court did not have to notify me of the change. So, I continued the battle at the Federal level with mounds of official paper. I talked to lawyers. They wanted to charge me up to $50,000 to go to Federal Court against Chase. I couldn't afford that.

I decided to fight the battle by myself with lawyer friends. We got as far as the discovery and scheduling the calendar for the court when I received the "official" answer to my complaint that Chase submitted to the court. They deny "representing" WaMu and this was an issue with Washington Mutual and not Chase. They said they lacked sufficient knowledge or information to form a belief to the other 7 allegations. Then the bombshell yesterday. The lawyer called and offered a $500 settlement to drop the lawsuit or else Chase would be filing a frivolous law suit and file the motion to dismiss all charges. She added that she would make sure that she would also sue me for all attorney fees and costs defending the case which she added would be significant. I finally gave up. The consumer lost again. I will probably sign the settlement offer next week and just be done.

Chase will get by with breaking a Federal Law by continuing to report inaccurate and information that they could not substantiate. They admitted that to me but said it wasn't their concern because it all had been about WaMu which they acquired but don't represent. JPMorgan Chase is having a rough time in the news lately. They have over 10,000 lawsuits against them presently. I would like the consumer to stand together and bring this "too big to fail" bank to their knees. How can we accomplish that?

I said, “Excuse me, you are taking longer.” She said, “I need to make sure the camera sees it.” I answered, “Okay, you counted it 4 times already.” Then she answered, “By the way we don't have any time limit for our service, I need to count it again.” (started laughing and she was very rude in her manner). She counted it again just to make sure to make me angry.

I spoke with a manager named **. She was very friendly and asked me if she can bring ** to apologize to me. ** introduced me her branch manager **, who doesn't have a name tag either. I was told by ** that he would speak to **. He made an excuse that ** has been here as a new employee. Who is responsible for **’s action? Is it her that she puts herself first and thinks she is doing right things? Or, is it the management who doesn't provide simple training such as basic do's and don’t's?

Please be careful who to hire because they represent your branch and Chase. I called the customer service 800-935-9935 and reported everything. Don't come at this Chase branch or you can choose different bank where you can receive better customer service. Just want to quote to ** and ** that "Your most unhappy customers are your greatest source of learning."

It has taken almost a month to even get this far. My wife and I have not been able to pay any of our bills and we have a mortgage payment to make and with zero funds - well, you can see where that will lead to. I have talked to Chase until I am hoarse and I have even gone to my local branch and tried to talk to my local branch manager. As nice as she was, she told me, “This is a head office thing and there is nothing I can do.” The only thing left for me to do is hire a lawyer to resolve this. When I contacted one, he would take the case at $300.00 per hour and requested four hours upfront; in other words, I am screwed and the mega-bank wins. When I said that I would take my story to the media, they said, “Good. Do so. It will stop others out there who have overdrafts to pay them off or they will get the same thing.” I have written this in the hope that someone out there in “Facebook-land” can help us fight a mega-bank for nothing more but justice.

When I got home I checked my bank and found that the transaction did in fact go through. I immediately called Chase Bank while the charge was still pending. They told me they would credit the money back to me and file a claim. Yesterday, over a month later, I received a letter from Chase Bank saying that they were going to take the $70 back out of my account on the 15th of this month because they found while researching the claim that the purchase was authorized?! What is this?! The purchase being authorized was never in question. Yes, it was authorized because it was how I was going to pay. It was only after they told me that my card wasn't going through that I gave them cash.

I don't understand what the bank was researching for a whole month because in my initial explanation to the bank, I told them everything that they said in the letter. I called Chase and the deadpan, monotone supervisor who cared nothing about my issue continually tried to just get me off the phone while the whole time kept saying that she was trying to help me. So I got upset. Who wouldn't?! My bank is trying to rip me off. So I may have sworn a few times because I'm not paying $140 for a $70 purchase that I've already paid for. She told me that the call was recorded and that people would hear my profanity. I said, "Good". I want people to hear my problems because anyone would be mad about what the bank is doing to me.

It was only after I argued with her for over 5 minutes that she asked me if I had a receipt from the flea market showing that I paid cash! No, I don't. It's a flea market. They don't give you receipts when you pay cash. I asked her why Chase Bank wouldn't have told me a month ago, when it actually happened, that I needed the receipt showing that I paid cash. Maybe then, I could have gone back and asked the merchant for one. And no, I didn't return to the flea market during that month because, stupid me, I thought that my bank was taking care of everything.

Look, I'm not an idiot. I realize that people probably try to pull scams all the time and by me saying that I don't have a receipt that it looks like I never paid the cash. But I'm an honest person and everything I said is the absolute truth. I called them on the same day it happened within an hour after I left the flea market, before the charge even cleared. For them to steal that money out of my account a month later, is disgusting. You would think that in the interest of customer service or customer loyalty that they would have just helped me out. Even after I threatened to close my account, the supervisor didn't care at all. She was openly willing to let me close the account. I feel totally ripped off and now I've paid $140 for a $70 purchase.

Thanks, Chase Bank for everything you've done to me. I'll make sure that nobody in my family and none of my friends will ever bank with you. And the second I get another account, I'll never bank with you again either.

However, at times, Quickbooks can be down, which means they are not able to "electronically" deposit funds in my account. So my boss will then manually deposit a check in my account in an effort to not let me get paid late, since Quickbooks usually advise that it can take a while sometimes. See where I am going with this? Well, I was paid more than twice the direct deposit requirement that Chase has in place, and I was still charged the $12 service fee, which in turn made checks bounce. This is an account I use mostly for my direct deposits and small things, as I have other bank accounts. I called Chase and was told that the checks have to be "electronically" deposited, though it is clear that it was from my employer as it was on the 30th, which has been the pattern for the last 1.5 years. The check is also from my employer, which should have also been taken into consideration. As a result, I was hit with a fee for something totally beyond my control and beyond my employer's control; and that led to other fees, since I have other things like my rent bounce.

This is totally unfair. I met their requirement, but because the check was not "electronically" deposited, I am charged a service fee. Now, really, why would I want to stay with a bank that has this policy in place? I have requested for my account to be canceled and was told that I have to wait for all the pending charges to clear. As soon as that happens, I will definitely be canceling the account and have my checks deposited in one of my other accounts as this is really ridiculous. Only one of my other account charge fees, which only requires a direct deposit of $10, which does not have to be directly deposited. I really wish someone can put a stop to this kind of unfairness. I have been charged the $12 service fee twice, before I started my new job 1.5 years ago. And I never once complained. So I don't think I am being unfair here. I want everyone to pay attention to their accounts with Chase for this kind of stupidity and unfair policy.

Three days later, she received her ATM card, approval letter, and PIN. The very next day, she also received a letter that said “Chase can close your account at any time without cause”. After a complete review, they've decided to close her account immediately. All remaining balance in the account will be sent to you within seven business days. Two weeks passed, no check was received. I called the Chase 800 and was transferred to the fraud dept. All they told me was to bring my mother into one of the branches and identify herself. I walked her into my branch in La Mesa California, and met with one of the representatives there named Mark. He's extremely helpful and tried to resolve this problem with the fraud dept.

She ended up making multiple trips into the branch to see Mark. Each time when Mark called the fraud dept., different representatives at the other end and different excuse was introduced. They wouldn't tell her why the account was closed, but she needed to provide the required documents or she won't get her deposit back. Here are their excuses: a) discrepancy in addresses - BS, my mom hasn't moved for 20 years and she has the same address in her ID card. Her senior CA ID card wasn't accepted, and she needed to provide utilities' bills to prove the address; b) proof of Union Bank account - needed a letter from Union Bank that my mom has an account there and she provided it; c) proof of $1,500 withdrawal from Union Bank - needed to get a statement with the transaction appeared on it, and she also provided it.

Somebody is using her social security number. First, her social security card wasn't accepted because it's not a pictured ID, then they claimed that her social security number belongs to a different name. She went to a local social security office, and had a printout to prove that her social security number does belong to her. Not to mention how long people usually need to wait in the social security office without appointment in California, she managed to get a letter to prove that is her social security number. While there, I asked the social worker if the system shows her number is being used by somebody else. The social worker said no, because no income has been reported with her social security number. I went further to check her credit, and received a report that shows her credit is fine.

When all documents were presented to Mark, he called the fraud dept. again. They said that those documents may not be enough, but go ahead and fax them in. They would get back to Mark in a few days after a complete review. In California, a senior ID card and a social security card will be sufficient to open any bank account. But to identify herself through the Chase fraud dept., they require a lot more. I raised a question - if it's a fraud, what's wrong with transferring that $1,500 back to her Union Bank where they got it from. The answer was no, but I have the answer... they want to keep the $1,500 knowing my mom is 80 years old.

I concluded that Chase fraud dept. is full of crap, they make it so hard that people will give up then they keep the deposit. For being so persistent, she finally received the deposit one month after the account was opened. Without Mark's help and my running around, her $1,500 will be Chase citizen's bailout.

Now, I got a collections letter from Convergent USA which is telling me to pay $3,111.41 or settle for $1,555.71. I do not have those funds or amount. Since this is not my fault and apparently this is an unsecured debt, I'm wondering what the Statute of Limitations are on this kind of department? Am I still responsible? I had totally forgotten about this. And over 4 years later now, I get this from JP Morgan Chase Bank? I never had an account with them at all. I am very upset and do not know what to do!

My rent was late. I had a warrant for non-payment. I have a Chase auto loan that was put in jeopardy. My funds were held from me from the date of March 28th and I have still yet to receive my funds today being the 20th of April. I was lied to over the phone by customer service specialists. Numerous times someone told me I could pick up my funds at a bank location before it was completely closed out. So I went back and forth from customer service to 2 branch locations for a total of 10 days. I was told that a check had to be sent. I informed them that I would be evicted if I didn't receive my funds. I begged them the 1st week to at least just remove the quick-pays they felt were fraud and release the rest of my funds.

I found out 2 weeks later that my account wasn't closed until Monday April 16. This means that I had no access to my money for over 23 days. That is unacceptable as a bank. They must have compassion for their customers. I feel like they took their time with my case. Due to being separated from my money for 23 days, I have a Warrant for Eviction, a late car payment and my 2nd car is in jeopardy of being repossessed. The bank must do better or be held accountable for the fees I have incurred. I still have no clue on what to do. I have over $500 worth of late fees and penalties. What can I do?

When I called in mid-March, I was told it was probably lost in the mail and that they would issue me another one. I waited again, but no check arrived even after a month passed. I called back in early April. They said I should have received the replacement check but since I did not, they would send me another check and I would receive it in 5-7 days (because they would not use priority mail or certified mail to send this out, even though it was lost the first two times!).

Mid-April, I receive an "affidavit and indemnity agreement" document, basically stating that the check was lost and that I had to sign it, get it notarized and send it back. I was furious because I was just expecting to finally receive my check as promised.

The lady helping me kept calling the National Accounts Closing department, who will not talk directly to clients. They refused to send out my check without me sending back the notarized document. No explanation as to why two sent checks never made it to me, why nobody mentioned I was supposed to receive this affidavit and send it back to get my money and why I was promised on two occasions that a replacement check would be coming my way in 5-7 days.

It's been almost three months since I've closed my account and I have yet to receive my closing balance from Chase. I find it hard to believe that two checks they sent out were lost in the mail in two months time. They're just keeping my money hostage and are forcing me to pay for notaries and wait longer and longer, even if this is completely their fault.

I've been on the phone an average of 45min each time and each person I talk to every time tells me different things, promises different things and disputes anything the previous person told me, "I am not sure why they told you that," "I am not sure why you didn't receive the affidavit form the first time we put in the request for lost check," "I am not sure why they told you you'd be receiving a check instead of an affidavit form," and etc.

I wish there was something I could do to make Chase pay for making me waste so much time and energy on getting my own money back from them. I knew they had terrible customer service, but I figured that it was just because of the overall poor quality of bank service in NYC. But this exceeds any issue or frustration I've ever had with them.

Later, I developed some terrible brain injury symptoms that fogged my memory. The card went over by just a dollar or so, perhaps a tip that was entered improperly. The charges went into $350 range and were supposed to be reversed and the account closed. This was done over the phone.

I banked with Chase for years after this and forgot about it. I went onto Union Bank to open a new account and the Branch Manager pulled me aside and asked me if I knew anything about my account having a hold or charge off on it. At first, I could not figure out what this meant. I called everyone at Chase and tried to find out if something went wrong in my account. They (the Executives) told me nothing was wrong and they had no idea what it could be.

Well, a three hundred dollar amount hit my account and I went to Trader Joe’s to pick up $100 worth of groceries. For some reason, I decided to check my balance first. The money had been transferred "miscellaneously" to another account (from within Chase). I was not notified at all. They had my email address and I was getting some calls that seemed like telemarketing calls where they hung up and could not call them back. First it was $150, then $20, then $13, them $50, then $76 and then they closed the account without telling me. I was blocked from using the account at all and then they closed it. I had small checks that came in every few months and they are now lost. That was several hundred dollars also.

I went into a new Chase just recently to get all this information straight. I have documentation of the transfers and all employees used diversionary tactics with me. One branch manager said, “The account looks perfectly clean and come on and sign up with us again.”

I then went to the original bank on South Lake in Pasadena. An Asian young man, who stated he was the Assistant Manager to another gentleman who happened to be Asian also, behaved as though he could not understand that I needed to have copies of the miscellaneous transfers from the last one, going back to the first one. It took me one full hour to get him to understand I did not want a 7 year account history or a 2 year account history. I repeated myself over and over and went to another young woman who was supposed to be able to communicate well. She lost her temper with me and said, "Well, I don't understand why you don't have any information and cannot even remember when this happened. It was your account wasn’t it?!" There were more indelicate remarks and, of course, they could not see the largest transfer in the account - the one that caused a catastrophe with my whole family because I could not get home to see a very sick relative with Alzheimer’s.

I forwarded this information to the COCC in Houston-Comptroller of Currency. There was a dispute line that could not be utilized due to the lack of notification and full disclosure on the part of the bank. I found this out about Chase that there is a credit collection agency that collects for them that is not a department inside the bank.

Let me tell you folks, they are cheesy and unethical. Not to mention, uneducated and they are just like the people who buy up ten year old debits and start harassing you. On your signature page or card, read the fine print. You are signing your rights away to Chase so that they can remove any money from your account and close it without notifying you at all. That was the same protocol with WaMu and that's what brought them down. They were just about to get shutdown by the Feds when Chase decided to take them over.

I made a prediction about Vicki **, who said all of this was perfectly legal. I asked where she was transferred to. I knew it had to be mortgage lending! Well, guess what! They asked me if I saw her picture on the wall behind us and sure enough, there Miss Vicki was with a title under her picture that reads, "Mortgage Loan Officer".

Folks, I pushed for the bank account that allows us to opt in or out of overdraft coverage on our debit cards. Now, I'm working on getting the same Act passed on our pay pass chips that can be read at any ATM, fast food and coffee shop by hacking groups.

The big three; Chase, Bank of America and Wells Fargo are scammers and exploit those who are on government benefits. Bank of America used to hold our treasury checks so that our rent checks would bounce. I found out later they were doing the same thing with our debit and credit charges on our bank cards. We would have all these $350 charges for overdrafts that they were causing.

I will write this message to the Federal Reserve and the COCC again as a follow up and will send it to my Congressman.

I am writing on behalf of ** and the issues that she is having with her account. I phoned Umpqua Bank again tonight to verify that there were sufficient funds in my father’s account and was again told that sufficient funds were and have been in my father’s account. This is consistent with what online banking displays. I’m not sure what you would call the transaction that would be issued had insufficient funds been the case, but they have no record of issuing it or receiving one. Had NSF been the case, my father’s account would have been charged a fee, which it has not. Brittney’s paycheck seems to be floating in one of the banks system as the amount is not in either one of our accounts. Also, the $12 fee charged to Brittney needs to be reversed and credited back to her account.

I did a customer authorization tonight so that Chase Bank can contact Umpqua at 1-866-486-7782 to verify the bank account number, the date the check cleared, and the amount tomorrow. The incoming trace number is **. The check was received on 3.19.12 and was posted on 3.20.12. My father’s account number at ** is **. I cannot place a stop pay on the check because it has been cashed.

If you have any questions, please contact me at **. Because of the time zone differences, it is often easiest to contact me by email. This issue needs to be resolved in a very timely manner and I expect to hear that the money has been returned to Brittney’s account by the end of the day tomorrow. Thank you for your help and I appreciate your willingness to assist Brittney with this complication.

Unfortunately, Jennifer did not follow through and contact **. She insisted on being rude and was telling me I wasn't listening to her. She said I wasn't doing what she requested (wanted a copy of the cancelled check sent; I did not have a copy as it was an online payment). She insinuated that the transaction history that I had sent to Brittany could have been altered in some way, etc.

I then requested to speak with the branch manager **. At first she was helpful, but also said I needed a copy of the check. On Friday, March 30, Umpqua faxed the copy of the posted check to Chase. I know this because I was on the phone with someone from Chase when the fax came through. Again, the authorization by me was given to Chase to contact Umpqua in an attempt to resolve this. I left a message on Friday for ** to call me. I left a message on Monday for the assistant manager to call. I left another message for ** to call on Wednesday. Neither Brittney (employee) or myself have received any calls this week.

At no time did anyone at Chase even entertain the idea that Chase could have been responsible for the confusion. Blame and proof of innocence was placed on Umpqua Bank, Brittney, and me. What we are being told by Umpqua is that the check was most likely scanned twice in Chase's check 21 system, which would have resulted in Chase pulling the check. It would appear as if the people at Chase don't understand their own systems and are not willing to even entertain the idea that someone in their employment could have made an error.

This issue is still not resolved. Though we initially received a bit of encouragement from the branch manager, **, there has been nothing but lack of professionalism and an unwillingness to solve this from Chase Bank.

But when we are told to immediately: (1) order new checks (and here's a $150 credit to Deluxe); (2) order new deposit slips; (3) begin using new checks and deposit slips immediately and destroy all old; (4) payroll checks must be updated/upgraded, too, if using; (5) provide new ACH information to all vendors with whom we process electronic payments; and (6) update any automatic withdrawals, such as insurance company payments, utility payments, etc., it's asking a bit much. We also utilize merchant processing (as a retail business) and this must be changed immediately as well.

Oh, the customer service rep. says, "Yes. There could be a disruption of processing and/or of payments going into our bank account. We're sorry for any inconvenience." I am trying to get contact information for Donna **, senior vice president, business banking (who authored this unanticipated letter) and find out what the heck she was thinking by not giving us any advance notice that this change was going to take place. One rep. said that we could still use our old checks until they run out, but I don't believe anything coming out of their mouths. They do seem clueless. And this gorilla of a bank and highly-paid executives don't seem to care when they stick it to their customers. Not happy about this.

We are currently going through a divorce and he claims that all of the money is gone, leaving me and our minor daughter without any money and many debts, including a $310,000 mortgage and $80,000 second mortgage. He withdrew $222,000 over an eight-month period in 2010 and now owes the IRS $68,000 in taxes for that year alone. We were married and living in Arizona during the entire time he was employed. I managed the 401K funds during that time, which resulted in us earning a good return on our investments. Do I have any recourse against Chase for this breach of fiduciary responsibility?

Clearly they breached our contract. I'm totally fine with the decision to close our accounts and terminate further business with us. After all, these accounts were low balance accounts and the bank wasn't making a profit off of letting us bank with them, so I get it. Still, because they breached the contract by failing to let us know of the changes and failing to allow 30 days before changes were made, we incurred several fees for outstanding checks that were not able to post because the banks would not process them. There were fees that were incurred to these other merchants as well because the outstanding checks were refused and not honored and subsequently returned unpaid.

I believe the bank is responsible for contacting each merchant and/or providing a letter apologizing for their breach, which states they will take full responsibility for all the return fees we received because of their negligence. I also want the accounts restored back to the way they were without the bank fees assessed and closed without further penalty to myself or my husband. I find the entire situation disgusting. We were treated like complete criminals for no reason whatsoever and even more deplorable is the fact that our tax payer money helped bail them out for their own misguided and foolish financial decisions.

Although it’s not against the law to make a profit off of banking customers, in fact it's well within their rights to make a profit, I find it is against the spirit of the law to penalize any customer and refuse to take responsibility for poor management and breach of contract. Chase Bank is obligated to perform their actions according to our contract. They are obligated by law to take responsibility for any and all fees assessed because of their breach. We want full restitution for every fee associated with these two accounts, as well as with every outside merchant involved, and we want our accounts closed immediately without further penalty or injury to us.

That matter is lengthy, but because of it, all of my funds were placed on hold and Chase charged me $125 for the inconvenience of placing my funds on hold. I know that this is their policy and completely legal, but this is the most corrupt, unfair action I have had a bank do to me yet. I can't switch banks at the moment for convenience reasons but to fine me such a huge amount (I had barely more than that amount in my account to begin with) and without any notice, that seems illegal to me. Like I said, I don't care if technically it is legal. If an individual charged you over $100 to keep you from touching the rest of your money, who wouldn't be furious?

The bank isn't allowed to inform you they might place your funds on hold in case the person goes and takes all of their money out. Yet, if they had at least mailed me a letter informing me that if I did not take action I would be charged the $125 fee, I could have taken the proper measures. When I called customer service, they didn't know why. I had to do all of the investigation myself which took me a full business day and an additional two payments of $99 and $52 to the DMV. They said that they sent me a notice the day they put my funds on hold and only after I received notice my funds were on hold. This is not notice, as it implies one was told ahead of time. I don't see how this isn't complete sociopathic behavior and immoral monetary rape!

When I checked my payment status on my statement online, it said payment was up to date! They called today and tried to get me to make a payment to get the car up to date on the balance. I tried to make payment and then they ask to talk to my husband and then when I told them he's deployed, they said oh we can no longer discuss this account with you because your name is on it! Umm, hellooo, why keep calling me when I've told you the same story. My husband's deployed and you won't take money from me?! I was also told that my payment would be considered late when it was paid for February!

So I went in to the bank to talk to a banker. He was nice, but he did nothing. He said he would keep an eye on it and if it didn't post in the morning, he would call them and then me. He never did either and it posted 5 days later. This last paycheck, I withdrew money and deposited into my Chase account instead. I was charged 6 dollars to do so. Then I waited to transfer the remainder of it on Monday. So on Monday, I transferred it at around 11AM. During the entire week, I never got another notification telling me my account was under $25. So I assumed it had been deposited. I went about my week charging my card per usual. Basically, lunch at my university. Then on Thursday, right after buying lunch, I got the text that I had $22 in my bank account. I thought that this was weird considering I should have over $100 leftover from my trip that previous weekend.

Well it turns out Chase hadn't accepted my transfer until Thursday. But they conveniently managed to never notify me that I was negative, which is what the Chase Mobile is for! They also waited to accept the transfer after they posted my two overdraft fees. So after my last class, I called Chase and they said they couldn't reverse the charges because I had to fix all that after the last paycheck mishap. I have to go out of town almost every weekend. So I talked to one of their senior representatives. He said if he couldn't do it, I would have to talk to a bank manager. He, of course, couldn't do it, so I went in immediately to my bank. I talked to the guy, told him what happened and that I really can't afford these issues. He seemed nice, went and talked to a manager. He said the manager agreed to overturn the draft fees, but this was only a courtesy.

That was yesterday. Nothing in my account has changed and now I'm overdrawn again because my payments that I was waiting for finally came through, which is really interesting considering that was supposed to happen 3 days ago. Chase really doesn't care about their customers. Upon reading all of these complaints, I've come to realize this. I had submitted a request for direct deposit at my job, but I plan on canceling that. After this is all resolved, I will be canceling my account at Chase and I will take my money to a credit union. I doubt the fees will be reversed. This will be the second time they've lied to me. Why do they need to lie? Why can't they just be upfront and tell me the manager refuses to reverse the charges? Not to mention a month ago, someone had my card information and used it to buy a credit report.

What is going on with this bank? I get paid 8 dollars an hour to run attractions at a local amusement park. That $68 they stole from me is several days of hard labor for me. I just worked for Chase. I'm a pre-med student. You would think that would be the source of my stress. Nope, it's Chase. Everyday I dread a text from them because I'm afraid they've found another reason to take my money. I feel like I work for Chase.

They then began charging for everything which brings me to today. I transferred $801.00 from Chase to another bank. I called first to ensure that if I did it using my debit card there would be no issues, and I was told that it would be treated as an ATM transaction. They did not tell me that they would be charging be a percentage of the transfer as a non-ATM cash advance. I found the charges today, and they will not be reimbursed. I will be closing all of my accounts with that company.

We went online to look at the balance, and it showed a debit pending. We asked the customer service rep about the balance and were told we had over $800.00 available. The purchase was $360.00. We replaced the order. This morning, I receive a text from the bank saying the account is overdrawn. We called customer service and were told the funds for the two purchases flagged as fraud would be available after midnight tonight. What!

If the purchases were fraudulent, why did the money leave the account in the first place? It took a milli-second to remove the money and 2-3 days to put it back? Very unhappy about this. Where did the money go if not to the vendor? It should not have gone anywhere if a fraudulent transaction is suspected. Someone needs to explain this to me.