Chase Bank Reviews

My bank put a 7-day hold on the check because they don't know what to think. They said that they never heard of that type of an account. It has been a great hardship and very frustrating to me and my family. Why would you write a check to someone that can't be cashed? Thanks Chase Bank.

She said that's not your account number. I said I was just trying to read it. She said she’s ready, so I hand her my check, deposit slip and ATM card. After sliding my card she handed back to me. “Liza ** is not in the account,” she said. I answer, “How could it be? We got the same account number. Well, use my name then.” And she said why am I trying to deposit on Liza’s name and my name is Angelito? And again I said just use my name.

The deposit slip came from my wife and she asked me to deposit it. And I also said I was just wondering why her name is not in the account. It's not here, she replied with tone on her voice. “That's okay, I said, “just use my name.” And while thinking out loud, I said, “Wow, I’m really wondering why my wife's name is not in there, because I have been depositing money and paying my mortgage under that name and account number for so long. She said she’d let take a look again. “Oh, it's here,” she said, not even apologizing after she’s done with the transaction.

I feel so bad, so small, humiliated that I came out and cried at the parking lot. I came home thinking that it was over. Last night I could not sleep and cried again, thinking that why people that can speak good English can just embarrass me like that while what I'm just asking for is a little assistance? And what I did wrong to deserve that kind of treatment, especially on a person that works at the bank? Thank you for reading.

So I called to find out what the issue was and Chase informed me that my account was put on a freeze pending an investigation on my account and could not give me any information other than that. So I called back I think about two days later and then they informed my that they decided to close my account in which they could not give me any other information but that I had to wait completely until my account had closed. And then they would send me a check with my remaining balance to the address I had on file and that I still would have no access to my money until then.

Not having access to my money when I needed resulted in issue with my company due to not having access to the money to purchase supplies for the job and also I couldn't get money to pay my employees their per diem. Also I had several direct payments coming out of the account in which they were cancelled since they couldn't get their money. Now that I waited two months for my money and still haven't received anything and making plenty of calls to them and not getting any information but just getting transferred to another department just to tell me that they have no information for me, I finally went into a branch to talk to them to find only that they sent the check to my previous address which I no longer reside at. I had called several time to change my address to the current one so that this would not happen and it still did. I am currently still waiting for the check.

Normally, I only get cash in the evening. I have complained several times to the tellers inside and was told this is an ongoing issue and they know about it. I find it totally ridiculous that the outside ATM consistently is "broken," but the inside seems to work fine.

Last night, being dressed nice to go out, I tried the drive through. Of course, I received an error that the machine could not process transactions, then I had to park in front and walk to the other machine in the pouring rain. I understand from time to time electronic devices will have issues. But this is a problem well known and should be addressed. Other branches in the area do not have this problem but are out of my way. This is terrible customer service.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

of Roger's condition?

They were to contact the credit report agencies and clear my credit. They did not. Experian and Equifax show a lien in the amount of $19,426 today! In May of 2008 I obtained a reverse mortgage from One Reverse, a Quicken Loan group that handles reverse mortgages. They found the lien and paid $24,511.84 to clear it! They should have never given Washington Mutual that money for the lien. There never should have been one. Washington Mutual took money that belongs to me! They should have removed the lien when I proved the payments had been made and on time! They did not. When they got the money from One Reverse they still did not remove the lien. It is ruining my credit! I have been denied credit cards because of the lien. I have proof of everything I am telling you. I want:

1. My credit cleaned on Experian and Equifax.

2. I want a check in the amount of $24,511.84.

Washington Mutual made a habit of accusing me of not making payments when in fact I was paying for more than one month and always on time. If you want to check with One Reverse, my loan number is **. Please take action on this complaint. I need help to recover my damages!

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

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

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

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

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

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

Mr. J.,

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

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

Rosie,

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

To: Mr. J.

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

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

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

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

Rosie **

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

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

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

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

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

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

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

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

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

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

This morning, I received the most inappropriate answer:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I went to the US District Attorney to file a federal complaint against unfair business practices, wrongful foreclosure practices, and predatory lending practices in New Jersey.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Thanks for your time and many blessings!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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