Chase Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

At first, I kind of thought this might be a good thing. But then, I realized it negatively hurts my credit. I have a bank account with these idiots too, and they have gotten very slimy over the past two years since Chase took over. Now, I'm done banking with them. Spread the word; these guys are just as bad as Wells Fargo and BofA and then some.

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

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

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

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

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

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

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

When I called the number at Citi corporation, I spoke to Naomi and Valerie (no last names given) who put me on hold for another ten minutes before they told me that they cannot find my loans. They then suggested that I call Smith Barney for some strange reason because I have never had a mortgage loan with Smith Barney.

At this point, after hours of being ** around, none of these companies claim to have or can find my loans, but they are still drafting my checking account for the monthly payments. Their inability to give me the information I need (much less even finding the loans) is going to cause me to be delinquent on the filing of my taxes. Please help them find my loans. I have paid on time for years; I was never delinquent. They should be able to find my loans and give me the information I demand.

Thank you for your expeditious assistance. The consequences are whatever the IRS wants to apply to me for being delinquent when I cannot get information I need to complete my tax return. I know, compared to people losing their homes, this is trivial. Do you think the IRS will think it is trivial when I cannot file?

This took place for two years; they ask for several amounts of money to fix this problem and still they were unable to fix it as promised. They then asked me to add my name and said they would reimburse me the money for the two years they insured me. I never received that money; they also came up with a way of my owing them with no consult. I then received foreclosure papers and I have tried to fight this but someone needs to find out what happened and fix this problem. My daughter got the money from a car accident when she broke her neck and we have lived here for a long time, 17 years. I only owe $42,000 left and I think this is crazy.

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

I had a childcare business that I had for at least 15+ years where I was more then capable of supporting myself and helping with financial obligations pertaining to the continuing education of my two daughters. The developer made promises concerning the installing of a underground culvert that would help them to stop the continuing movement of their land, making my land also move.

When I refused to sell a portion of my land to the developers, they in turn refused to put in the underground culvert that would not only stop further land movement, but also help with drainage and reinforcement of a future road that would be made behind me. I reminded the developer that this culvert was part of the resolution to them getting the road and the developer then said he would take care of any problems I might have. I was lied to and manipulated into believing that this man would follow through on his word - I know, how naive!

Since there were so many changes that this developer made and none of them make it to the formal contract, I asked for a letter that would spell out to anyone needing to know the other changes that either had occurred or would occur in the future. This way, I felt all my bases would be covered. This letter was to be written and sent in 6 months, if not sooner. The letter never came. This company has also built up large mounds of dirt around me and the land has depreciated in value.

This developer came on to my property to dig some holes for shale/dirt samples. While on their way up my hill, their diesel fuel came and landed in my pool. Not connecting the dots, I got into the pool to try to clean it and I broke out in sores that looked like burn marks. There is so much more to this story but to fast forward, the developer started moving his dirt from the hills to the side of me and misjudged a hill and poof - a bigger landslide. It obviously became apparent that the land they were exposing all us to was serpentine (asbestos). My children's parents became nervous, and under extreme duress, decided to remove their children from my care. I really cannot blame them since there was a lot of dirt in the air. The air traffic controller put on their machines only once a week even though the developers worked 5-6 day a week.

I lost all my children except one and notified Washington Mutual that I needed help. Between Jan 2009 to June 2009, Washington Mutual lost my paperwork 2 times. I applied online the third time and in July 2009, I was approved for a loan modification. I was told that the packet would be coming in the mail shortly and I was to sign and send back ASAP. They even gave me the amounts I would be paying. Again a lot happened here but to make a long story short, they played with my head and spirit until it was to late.

My home was to be sold the very next day but they gave me an extension at the last minute. I went to Oakland, CA to the city hall steps to see how the process of selling a bank-owned home went and because I wanted to see if what I was suspecting was correct. Sure enough, there on the city hall steps was the attorney to that same developer who had put me through so much already - waiting like a vulture. After being promised that they would help me, I was rejected with the excuse that I had not filled out all the paperwork. I feel by that time the developer had already been in contact with the bank.

From there, I went to another attorney and told him I needed some help. This man told me he had been a real estate attorney for 30+ years and assured me that he would help. He ignored the unlawful retainer where I could have pleaded my case in court but he chose to ignore it. I only found out when I saw the letter from Chase's attorney in San Diego. I was never served from the Chase attorney and they served someone I had never heard of.

My attorney went in a totally different direction trying to get me a loan. He never asked me how much I made or if I could even afford payments from these loan sharks. That's about the only way I could get any kind of loan after having worked on my credit for at least 40+ years and have it dissolve before me.

I am presently in the process of going after this developer and would like to know if anyone has heard of a lawsuit going on with either Washington Mutual or Chase/JP Morgan. I would be glad to add my name. I gave them every chance to work with me and they refused. The complaints that I read about them are all the same. People tried to work with this bank and then they lost their paperwork. I think Chase, who purchased Washington Mutual, would not work with me even though I had already paid at least $244,000 because they wanted more money for themselves since Wash Mutual had gotten my payments and because the developer and them were already talking.

The office of the Comptroller of Currency where a complaint was filed was a waste of time. I really don't know what these people with supposed power are doing with it. It surely is not helping us US citizens.

The REO realtor refused to put anything in the MLS about the landslide. The house has been on the market since March 2010 and I have just received notice that someone is paying the taxes and getting a homeowner,s policy so I guess it has sold. I am still going to fight. Chase refused to reverse the rescission even though that was the request of Senator Boxer's office, another dead end.

How can this happen to so many good people? And yes, I put myself in this category.

After many tries to get an attorney, I am representing myself. I have no choice. This developer has gotten to many of these attorneys who said they might help me but then refuse because of a conflict of interest or they have suddenly gotten busy.

There is a new law AB 590 that could have helped me legally but even though it went into effect in January 2010 it will not go into the final stages until July 2011. Did I mention that I am 64 years old and have lived in this home (my family home) for 40+ years. My daughter and I live here together and we are both disabled. I would like a response as to what I have written. Thanks.

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

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

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

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

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

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

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

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

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

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

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

One week, they have the packet that I faxed them, and then they won't have it anymore. I feel that I was being lied to and abused. One of the first things that WaMu said to me was that they were not responsible for verifying the value of the property. I made 33 mortgage payments that added up to over twenty thousand dollars toward an upside down loan, and I had countless nights and days of stress and anxiety. I felt totally destroyed, when I was made aware of the fraudulent activity.

Please contact me. I am a person of integrity, but I could not continue to throw money down the drain. I have a professional legal audit and need legal representation asap. Thanks.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I stated this because my naivety led me to believe that I could be of assistance with their investigation so that they may find the culprit responsible not so that they can use it as a means to decline my claim. Although I did not state the time period when I have let her use it, it was roughly 6 years ago when we lived together and I have lost and gone through numerous cards and just recently received a new card from Chase. Nobody has used my current card nor has it ever left my possession.

When examining my statement, there were numerous transactions in various areas throughout Southern California which many were processed the same day but in completely different regions (i.e. Los Angeles and Riverside). Also, 2 checks were deposited into my account through a direct Chase ATM location that were immediately credited and available for withdrawal and also gave the illusion that all my funds were intact. They were later found to be fraudulent checks and at least one of them was an altered check as stated in my statement.

Never did I receive a phone call or an email notifying me nor did they block my account. I find it ridiculous that checks can be deposited through a branch ATM only later to be found that it was not a legitimate check yet they do not find any suspicion nor do they at least temporarily block my account until inquiring about them.

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

I also conveyed my willingness to cooperate with any aspect of their investigation but they continue to refuse. I am not sure what to do at this point. Is there something I can do legally? Any help would be much appreciated and I am willing to take any legal actions necessary. I have read the Electronic Transfer Funds Act because of this and it states that the burden should be upon the financial institution and not the customer. I am currently $2,347 over my balance, I cannot pay any of my bills including car payments, rent and school loan payments and Chase's lack of assistance is causing me to believe that my money is not safe although that is a big part of the reason why we deposit our money into a bank in the first place.

The issue I have is that I used to work for Chase. I had 18 yrs of service until they sold the portfolio to Etrade. That is how long I was holding that card and it was my card of choice. I called today, 062110 and asked for the address to the Office of the President/CEO and the associate hung-up on me. When I called back, the next associate did not know it and then finally gave me the customer service address. I explained that I now work for another bank so I can obtain the address to send a complaint, but I want that card re-opened.

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

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

Their last excuse before I yanked the plug was that their main computers that control the entire US goes offline Eastern Standard Time and any one or business that try to process payments through debit card transactions or checks would be declined if they were in the West Coast! I finally had to stop banking with them to save our image as a responsible company. I think this bank is a front and fraud! They do not care about their customers, they raise interest rates over night, and they hijack your money when it’s convenient for them and not the customers. I will never bank with Chase or any affiliated branch of this bank again!

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

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

My hope is to see a name of a true contact person I can talk to with a valid toll free number. No one's name is noted on the letter that they send you. Is this really a company or are they just,"Chasing" and waiting for everyone to fall and have bad credit. I am really disappointed in this company. I think I will put my house on the market just so I won't have to deal with them anymore. I am absolutely embarrassed to tell anyone that I deal with them. They make it hard for you to refinance as it looks as though they cannot wait until you get behind. If they cared the least, I feel that I should have gotten a letter from them before June 4. Their late letter was mailed May 27. Sounds like someone is not doing their job. I would like to see some training and people who actually is giving customers valid and pertinent information, and someone available to fix the problem before the phone call ends. That's good effective customer service.

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

Suffice to say, Chase never enrolled me in the program but consistently deducted my money from the account. In March of 2010, I was notified by the law firm of Daniels & Norelli, informing me that Chase sold my account to them for non-payment. How could this be, if they were deducting from my acct as stated above?

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

In October 2009, I lodged a formal complaint with the OCC CAG. Despite my keeping the OCC CAG in the loop, in my opinion, they were of no assistance. In January of 2010, I wrote a demand letter which was responded to almost immediately. Chase would not return any of the funds they removed from my account. So on January 12, I filed a Small Claims action. Shortly after filing my action, I was contacted by e-mail and by phone by Jenny **. Her e-mail indicated that she had called me in an attempt to come to a resolution of the matter. When we spoke about the resolution she was referring to was that I drop my action. I told her I resented her misleading e-mails and phone messages.

The hearing in the matter was set for March 22. Chase's representative was a young woman, "Tiffany". Initially I thought Tiffany to be a paralegal. However, she told me she was an employee of Chase and worked in the area. This was also her first small claims hearing she was attending. At the hearing, March 22 hearing, Judge ** took the matter under submission. On May 11, 2009, the Court entered a Notice of Entry of Judgment in my favor and against Chase in the amount of $2314 ($2244 principal plus $70 cost on Plaintiff's claim). Chase had 30 days or until June 11 in which to appeal the judgment and/or to pay the judgment. Chase did nothing.

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

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

This is copy of a letter I sent to Chase: “I spoke today with Jeremy at 1-877-287-7303 regarding your letter dated 19 May 2010. I stated what I’ve already stated in person at the local branch, and again by telephone on more than one occasion. Do not contact me again regarding the $29 you state I owe. Do not contact me by mail, by telephone, through your agents nor in any other way. I consider this account and matter to be closed as we have asked this account be closed in person and by phone and have closed all other Chase accounts held by our family members.

A teller misstatement/error led to $99 in overdraft fees being charged to my account. Chase acknowledged the error and voided $70 of those fees, but refused to void the last $29. I deposited enough to cover the overdraft (less than $2), less the $29, and asked that my account be closed. Chase refused. I will not be paying fees for a teller error. This is unearned money and to threaten my credit and future banking with other institutions will not convince me otherwise. I have told the branch representatives on more than one occasion that this was a seldom-used account, as I have other accounts with other institutions that we prefer to use since Chase took over WaMu. We are treated far better at our credit unions and feel our business matters to them.

We’re not just a place to collect fees, but members. For just this reason, we will not be doing business with Chase in the future. Other institutions are handling our mortgage, car loans and credit cards. If Chase buys or merges with any of these institutions, we will close any accounts affiliated with them. I am appalled that this matter has gone this far. I’m sure what Chase has paid out in attempts to collect have far exceeded the fee you feel I owe. Again, I do not wish to hear from Chase or its agents by phone, by letter, nor in any other way. To continue to contact me regarding this matter will be considered harassment. I will be contacting the credit reporting agencies regarding this matter as well. I'd asked the teller what she showed as "pending" transactions so I could deposit enough to cover them, in case they amounted to more than the check I'd deposited. I knew what checks I'd written, so I deposited the total I believed wouldn't be covered, in cash.”

The following day, I repeated my request and deposited enough to cover my transactions. She failed to tell me that a posted transaction hadn't actually been deducted from my balance, so for two days it was listed as cleared, but hadn't actually cleared yet. It put me a dollar and some change overdrawn. They charged me for 3 checks, they paid because the debit charge was actually inserted between other transactions after I'd already been told their order and that they'd cleared. Odd? Yes. Illegal? I don't know. I just know that they admitted their mistake, reversed all but $29 of the fees and my son and daughter have since closed their own Chase accounts.

Unbeknownst to me until now, this business venture (deli/grill) is costing more than expected. I've come to the realization that with initial loan and my own person equity, I still fall short to open my doors and conduct business. I have gone back to Chase and explained my situation that I need additional money in order to open my doors.

I sent in an application to apply for more money and they have denied the request. They would rather have me default on my original loan because I can't open my doors to generate income to pay back the original loan. There isn't any other bank that will consider lending the money because Chase bank is the first grantor on any assets if the loan goes into default. Additionally, I could not get the first loan without signing a lease (locked into) to show the bank I have a place of business.

Below are the details of my ordeal:

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

$55.69

April 14th

$10.80

April 15th

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

$38.51

$223.75

April 16th

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

$10.00

$35.84

April 22nd

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

$223.75

$6.79

April 23rd

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

$6.79

May 13th

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

May 21st

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

$28.51

$6.79

June 2nd

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

June 8th

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

June 10th

$6.79

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I returned to the bank at a later date and spoke to a customer service rep in the bank and was told not only did I need my ID, I also needed my marriage certificate. I was also told that the tellers don't know what is needed because they are tellers. I honestly thought that they all worked for the same bank. I returned yet again at a later date with the ID and marriage certificate.

But I was told that I needed to bring the other person on the account with me so that they could sign the signature card. After 3 different attempts and 3 different people, still no name change. If I have legal documentation of the name change then at least for the inconvenience and the gap in knowledge this matter should have been resolved.

When inquired about the information that they requested for a loan that was not there she stated that is the guidelines from the government. I asked is that not a HIPPA violation to ask for personal information and social security numbers if there is no loan and was told that they put it in a file even though there was not a loan and the information was collected under false pretense. She stated that this is their right to collect this and refused to let me speak to her supervisor. So now my son is at college with no loan to pay for school and is now trying to get loan applications processed quickly.

I also found out that Chase also hired people to come and take any of my belongings that were there and gut the house. I had just recently moved out. I have never had any papers served to me still to this day. I want to know if this is legal and what I should do.

And then this bank refused to resolve. This all has caused me physical harm and harassment over the years, and the money from the loan to harass me and my family (son). It is still continuing today, and bank officials and proper authorities cannot help without proper documentation which is a loan number to report. And the bank was refusing me and the proper authorities this loan number to resolve.

This would be what I would consider ID theft, fraud, and forgery, but no one has addressed this matter in all these years and is causing me a life. And the bank has refused me credit all these years due to this, and they are now saying they do not know me ever. Also, believe it or not, the bank also allowed this individual an opportunity to pay the million dollars back.

From what I understand, at my divorce, they held back the million dollars from me to pay the bank resulting in me getting ripped off again by this person and the bank. Needless to say, this has caused me financial deviation, so I have nothing to fight back with as far as money for attorney to resolve. I have not been able to purchase much, since this happened due to missing credit info and fraud done to me. I have no home and my auto is a 1995--caused by this bank and its activities. This bank is now still refusing me credit for home, auto, cc, everything because of this activity. Unfair.

A couple of days later, I awakened to check my bank account online and I was approximately $1,700.00 overdrawn. I called the bank and they said, "the check was altered". I asked, "What does that mean?" and they replied, "I don't know, but the check is no good". The bank informed me that even though their bank cleared the check in two days, but the bank the check was written upon (Wells Fargo) could take up to a week to validate it. My obvious question was, "Why didn't someone inform me of this policy, also?".

I received another, "I don't know" reply. I called AT&T to see if my communication's payment was okay and the girl agent assured me it had posted. I asked her, "could the payment be reversed back to Chase bank?". As I uttered the word "bank" from my lips, she said "sure!" and proceeded to reverse my posted AT&T payment for $171.00 back into my overdrawn Chase bank account.

I just about lost it, at that point, and asked her "Why did you do that? Have you ever heard of a customer reversing a posted payment?". When she blurted something similar to, "I'll transfer you to someone above me who can assist you". When the other agent asked, "How can I help you?", I asked "What happened to the other girl on the line?" and got the "what girl?" reply along with "Can I have your name please?".

Well, about 20 hours since then has been spent on the phone with a maze of corporate and non-corporate entities. AT&T, admitting their mistake, has offered me a chance to pay $30.00 a month until the $171.00 balance is paid. How nice of them, considering my checking account is overdrawn and the first payment they reversed evaporated in "overdrawn-ness", making my total payment double at $342.00.

Oh the Chase account and the bad check that they had "cleared" is sitting there. Since the bank admitted their mistake, they're willing to waive overdraft fees of $100.00 (approximately) and have done so, but I'm still about $1,700.00 overdrawn. Both parties admitted their mistake, but they want me to absorb the financial responsibilities. I'm receiving $693.00 SSDI monthly, to live on, and some state food assistance. Did I mention that I have Direct Deposit? That's all folks!

Situation #1: My account had a zero balance. I requested Chase to remove the overdraft protection on my account, because I have had bad experiences with the way CHASE manipulates your account so that they may charge you extra fees. I was dealing with Malcolm and Associates, a collection agency. They kept bugging me, and in good faith in trying to make payments on my debt, I scheduled a payment with them to get them off my back. They needed my bank account information. I gave it to them.

A few days to the payment date, I called my representative at Malcolm; and I told her that I did not have the money to pay my bill. She would not accept my statement. "We need something blah blah..." I told her I would play around with my finances. Back to Chase, after removing overdraft protection, why did Chase let that bill payment of $380.00 go through my account when I removed overdraft protection? My balance was $0.00. It is really disheartening when I am struggling to stay afloat as a student in this economy and banks like Chase continue to screw me over and over.

So my bank account is overdrawn, right? Why do I get a new overdraft charge for a transaction that took place a month ago? That is not fair. A month ago, I had the funds in my account. I don't understand why it took a month for the transaction to post. Did they wait until my account was overdrawn before they let it post? It's not fair. I called Customer Service, and they had no answer to give me as to why a transaction just posted that happened a month ago? Again, they had no good answers for me. Of course, they cannot say they just want to make money and charge overdraft fees.

Chase refuses to deal with Care One credit. The debt has ballooned of no more than $3,200 of physical debt, into $5,700 dollars, payable through the county Sherriff's office, with interest until the debt is "satisfied". Discover Card has had no issue with Care One, and I am currently satisfying my debt with them.

So I tried to cash a check from business account. I was given the same response. Both my accounts were frozen. I was told to please call this 800 number. So I called and spoke to the Chase Bank legal dept. They said a hold for taxes from 2006 was levied against my account in the amount of $1,399.00. I said, there is $6,800 in the business account and if they would send me the information of whom, why, what, etc. I would look into it and either dispute it or justify paying it. Chase responded with, it will take 5 days to get the paperwork out. I explained if the levy is only $1,399.00, just hold that amount and release the rest of my money to continue running my business.

Chase said it would take 4-5 days to do that, so all of my money is frozen. I got the court order finally and contacted the Texas State Comptroller and verified all fees. They actually had made a mistake and lowered the amount to $1,254.00 I said I would gladly pay it and funds were available in my Chase Bank account and I would sign whatever they need to take the funds and release the account. The state employee sent a fax to Chase with my information and a release of levy. Two days went by and I tried to use my debit card. It was reported as closed and a bad account. I tried my business debit card, same thing.

Chase bank had closed my debit cards. I went to the bank and asked what was going on. The money was in the account and approved to be removed for payment. My accounts should be open and usable. The Chase Bank manager said to call the legal dept. They did it. So I called. I was assured it would be all okay in 2 days. It is now Thursday before Easter, a week later. I have no debit cards. I have deposited over $3,000 more into my accounts to keep checks from bouncing.

Thought that was enough. Chase bank has not only removed the $1,254.00 for the levy. They charged me $100.00 to do so. Chase has not removed the hold. So I have paid the $1,354.00 and the bank is holding another $1,354.00 on my Business account. I have been zapped by the bank. I am now missing $2,508.00 from my business account. They have a court order for only $1,254.00. I went to my personal account since the funds are gone I should be able to get money. Guess what. Chase bank took $1,354.00 from my personal account to. So from a mere $1,254.00 owed to the state of Texas. I am now missing $4,062.00 that the Chase Legal team has decided to hold on to. I was on the phone for two hours with them. I had to plug in my cell to the charger to keep from being disconnected.

Chase will look into why they took the money three times, or are holding three times the court order next week. So I have no money for the next how long. Who do you call about this theft and bad banking practice? I completely understand the tax issue is my problem. But, to charge me 3 times the amount and play dumb behind a bunch of legal red tape? I consider this a theft and fraudulent act by the Chase Bank. The bank bounced my rent check, 2 employee payroll checks and a small wire transfer. I can’t get any money from the bank even with more funds in the account than the court order states to remove.

Again, the calls are on my cell phone and again, I have asked again and again for them to correspond via US mail and they of course, have no clue what the US mail is or that it even exists. I've asked them for their fiscal address or address to send them a certified letter to the facts I have just explained to you. They "don't know the address where we work". I've gone online and googled Chase bank comments/complaints. Wow, not a single positive comment. Only complaints.

A complete bank statement from Wells Fargo had appeared online with Google the previous month, with all of my personal information. So I was forced to close the account. I had forgotten to update the the new account on the payment section of Chase's payment page. I made a $1,000 payment ( about 1/3 of my balance). I realized this immediately after I hit the button. So then, walked to my nearest Chase branch and paid $1,500. Mind you, the minimum payment had already been made earlier in the month! This was just an extra payment. They not only charged me $39.00, but they raised my APR up to something around 30%! I've been with Washington Mutual for over 10 years, the account has a tiny credit line of only $5,000.00

I've called and written and they say tough luck. There was no loss to them, I wasn't late. There is no reason for this. I immediately paid off my card, and if I weren't buying a house this month, I would close the account immediately. Paid $39 for nothing, had my APR raised to over 30%. The joke is on them, because I pay my balance off every month.

So, as instructed by the Customer Claim Department, I filled out their claim forms for this fraudulent activity. Chase credited my account 3 weeks after my filing (even though they said it would take a couple of days), and just a couple of days ago they reversed the charges back to my account again! Why? Chase's reason: Due to my past transaction habits, the transactions that were claimed are not fraudulent. Case closed. Unless you're in Las Vegas, who takes out $300 cash five times in one weekend (all these withdrawals were done in the city of Paramount, CA)? Furthermore, my account was only three weeks old when this happened--I totally believe that this may have been an inside job at the branch where I opened the account.

I was on the phone with Chase for almost 2 hours, listening to the lamest excuses. They even tried to turn it around and accused me of fraud! I finally got someone "high enough" to reopen the case after being told by 3 people that there was no way that the case could be reopened. I would have to refile my claims all over again. But, I was also told by this representative that there may be only a 20% chance of getting my money back permanently. I need to know a better recourse on how to get these fraudulent transactions off of my account rather than going through these CRs located in another country who really have no power at all. My account is at a negative status. I have been unable to pay my bills and have been accruing not only late payment fees and return payment fees from my bills, but also overdraft fees from Chase Bank.

All of a sudden, they became police instead of serving me, the customer. They, in turn, gave me an 1-800 number because the branch manager didn't have an answer for me. So I called the 1-800 number and started to have a conversation with the chief rep of 1-800 number. He apologized to me after I threatened to bring the news people to investigate because I really felt that check should not have been stopped. It looks to me that you, guys (Chase), just wanted to charge me insufficient funds fee (there were 7 fees).

The rep apologized again and told me that the fees will be taken off and that no checks will bounce. I will receive a copy of the check. When I received it, I can take it back to my branch and re-deposit it. I hung up. I was happy, but when I hung up, I realized that I should have told him, "No, push whatever button and put back my hard earned money." This happened six days ago and I'm still $3,000.00 broke. This to me sounds like I am being ripped off. I will call today, please help.

Then, when Capital One took it over (to start in September I'm told), the nightmare began. I have been living hand to mouth and get some assistance from my family. I used my bank card for what little I could purchase but the transactions wouldn't show up in the activity of my account, nor would my account give me an accurate balance. Then on Tuesday evening just before midnight Wednesday, when my direct deposit of my unemployment was applied, there they were. All the previous purchases that magically appeared and because of 2-3 purchases of less than $10 each, off set all other purchases and as a result I would have multiple NSF $35 fees that went against my account. On several occasions, the amount of these fees exceeded my spending by as much as 300%!

On another occasion, when I was being extremely careful, I purchased gas with my bankcard for $12. The next morning, the purchase never appeared on my account online, not even as a pending charge. Then again on Tuesday right before midnight, there was the gas purchase but also a $2 processing fee. That $2 fee put my account in the negative and offset 5 other purchases that went against my account literally minutes before midnight before my direct deposit hit. I was charged $175 in NSF fees which left me with $51 for the next 7 days to pay for my cancer treatments and food. I called customer support and begged them to reconsider the punitive fees as I had cancer treatments to pay for. I was not looking for a hand-out.

I was not looking for my pound of flesh. I was simply asking for some understanding. The woman on the other end of the line was less than accommodating and kept repeating the same response as if she were reading from a script. I asked to speak to a supervisor and after 15 minutes a voice came on the phone. I explained my confusion over their posting false balances online as well as my own poor management of my money. She would not budge an inch and said the worst possible thing a customer could hear, "Sorry, it's not our problem.”

Although I will never be able to prove it, Chevy Chase has noted my financial behavior and are clearly taking advantage of it. I am helpless. I have spoken to friends of mine that have had the same issues with other prominent banks like Citibank and Bank of America. The banking reform bill has yet to be passed and banks are clearly profiting off the poor and the economically down trodden. It is immoral, despicable and disgusting. While I take full responsibility for my financial shortcomings, on more than one occasion I have suffered psychological events of suffering. But the good news as of this writing is that I have overcome my cancer. Finally, the only thing I can say is that I will never trust another bank again whether I am making $226 per week or $2,260.

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

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

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

Tonight, I was informed that Chase called my family's home again on March 21, 2010 at 8:25 pm. My mother informed them that this wasn't my number and to call my personal phone number. Literally, you can see that this is a form of harassment that needs to stop immediately. I just despise the harassment. It's unnecessary. I'm only two weeks behind and I have a scheduled payment that I'm making online on 3/27/09 when I receive my EDD check. I find that these people are very unprofessional and they are liars. I wouldn't recommend to do business with them at all. I even had closed my bank account with them due to bad management. Mind you, this bank has changed names/owners three times now. I hope that there would be some kind of discipline to these people regarding harassment.

This affected my credit and was also reported to the IRS. The bank should at least be responsible for this mistake. I paid up my credit card, and other monies I had owing to the bank (Chase), but this was their mistake, and if I am to liable there should be a payment arrangement made without affecting my credit or being reported to the IRS. Please look into this situation.

This "protection" that I never signed up for with WAMU or Chase came out of nowhere. These overdrafts are tiny amounts too, a couple dollars over, 50 cents. I make way under $20,000 a year and this is just outright robbery for somebody that lives under the law of every penny counts. Why, there wasn't an overnight mandate for banks to stop this state sanctioned pocket picking is unfortunately not too surprising proof of primary corruption at all levels of the financial and political agencies and representatives of our times.

Giving these banks six months or the year that the overseers gave them to stop. Chase is spending millions spinning the change as less protection and the bank is trying to instigate customers to keep signed up for the protection. I've gotten mailed quite a few letters emphasizing "only so much more time for the Chase state sanctioned thievery, so please resign up" junk mail! What? We need a state run bank run by old school government bureaucrats. Boring and simple banking, not these high gloss shyster pocket pickers! I hate Chase and am switching banks from today on. $140 ripped right out of my account by state sanctioned criminals, Chase crime family.

Now, I miscounted how much money I had left in my account when I bought an mp3 for 99 cents on Amazon.com the day prior to my latest deposit, which ended up posting the morning I was to receive it. I ended up overdrawing the account by--get this--17 cents. I do not dispute that. Here is what I dispute: I was not penalized the NSF fee of $32.00 right away. I checked online, and my balance said $189.00 and change. In fact, I purchased another eight dollars worth of mp3s from Amazon that day, supposedly leaving me with over $180 in the account, so I went to a Chase ATM to avoid fees and withdrew that said $180.00, which should have left me with a few cents in the black.

Working on that assumption (and backed by an actual print-out of my receipt detailing the last 10 transactions) I was relieved to learn that Amazon.com credited me for some downloads that did not go through. This meant I had an extra $9.00 and change coming my way, right? Wrong! By that time, not only the overdraft from Tuesday was assessed, but also another $32.00 for taking out the $180.00 when I really only had $150 and change in there, then a $35.00 charge for that Amazon purchase that I made before I made the ATM withdrawal (They basically posted one transaction as if I did it after the other--switched, if you will).

But that's not all! The following Sunday, thinking I was still $9.00+ in the black, I made a purchase from Amazon for the exact amount I knew (excuse me, assumed) was in there. When it comes to basic arithmetic, I am very adroit, well above average. So, you can imagine my surprise the following Wednesday when I went online to check my balance and found only $55.00 in there. I looked everything over and found all four overdraft charges for $144.00 (including the $35.00 charge for the purchase I made Sunday.

Now, here's the part that really torched me, I called asking for an explanation for this! I was given, if not false, at least inaccurate and out-of-date balance information. I get hold of some double-taking numbskull in the Philippines, who just regurgitated everything I already knew. I demanded restitution because if anything, I should only be on the hook for the $32.00 for the original 17-cent overdraft. The other three overdrafts, as I said before we based on false information. He only agreed to reverse one of those four charges. That was not enough for me. I wanted every single cent back because they failed to provide me with the real-time balance information that their website boasts about. Unsatisfied, I promptly went to the nearest branch and close my account.

Later that day, I tried to open a new account at a bank in the area, and a credit union I had dealt with before. Both said, I had outstanding charge-offs and could not open one until I pay those off. I could not understand that because I had those issues long before I came to Chase to open that account. They had no problem giving me one, but now I'm suddenly toxic?

Something here is just not right. I eventually had to request my weekly deposits be put on the Unemployment Office's prepaid debit card. Now, what bank do you think the card was drawn on? You guessed it! JP Morgan Chase! I couldn't get rid of them. To add more insult to injury, I requested the card on that Wednesday afternoon. They waited until the following Monday to send it off. I had to spend $10.00 for them to get it faster (one-day). The original card finally arrived the day after my replacement did.

However, two months later, we are told that the old deal had expired and that a new application would have to be submitted. This meant that a new appraisal would be needed and that I would have to retake the financial classes mandated by law for reverse mortgages. I am out of pocket for the cost of a second class.

A second appraisal was required as well. The one that I had done six months prior was no longer acceptable by Chase. This new appraisal came up $35,000.00 lower than my last appraisal from six months previous. The housing market and home values in my area have remained the same for the last year. No significant declines. The tax appraisal adjustment occurred in early 2008 following the lower value of homes and property. The appraisal done in July took the new home values into account. The second appraisal doubled down on the already established drop in home values and cost me an additional $35,000.00 in value that had already been factored into the first appraisal. There was no need for a new application.

I am told that the only reason a new application was requested was because Chase wanted to assure their interests in the reverse mortgage at my expense. It turns out that the second appraisal was actually a home inspection in addition to an appraisal. At the time of this new "appraisal/inspection," I was floored by the fact that the man conducting it made it very clear to me that he wanted a payoff to give me a fair rendering of his services. I flatly told the man that I do not play that game and he could just leave.

Well, he turned in his appraisal, and it was $35,000.00 less than the previous appraisal from six months prior. He also, and this is when I found out that he had also conducted an announced home inspection, that despite my roof only being five years old, he stated that I needed a new roof--which obviously I did not. He also stated that I needed new windows, new floor coverings, and energy-efficient appliances.

A few days later, Chase sent me a letter demanding that I show proof that I have and have had $35000 in the bank currently and for the previous months. I was given five days to replace my roof, windows, floor coverings, and appliances. By the time I received this letter, I had but 2 days left to comply. I am 67 years old, disabled, and retired. My roof does not need to be replaced. Needless to say, my application was declined.

Here is a blow by blow update describing a typical call for Chase. I am currently on hold and have been for the past 15 minutes as I type this to verify whether this overage has been refunded. Customer Service Manager Andrew G. had on Friday promised me that if I called on Monday, today, and gave them the reference number, I would be able to find out if via this new escrow file the error has been corrected. I am still on hold, listening to the message that for the fee of $15 dollars, I can conveniently make my mortgage payment on phone.

After fifteen minutes on the phone, I was placed on hold again with another set of message. I finally reach an agent who looks up the escrow number and says that I am due a refund of $1876, but when I ask how much my next payment is, she says $3,281.67, the previous amount. When I ask her how they will refund it, she says she doesn't know and places me on hold for the third time, stating that there will be a 1 to 2 minute wait. I am not sure that the $1,876 is the correct amount, but I have been on hold for almost a half an hour and I don't have the time to wait longer. The last person I spoke to claims I still have a negative balance of $397 dollars despite their so called refund of $1,876.

Never mind, I know why! It is not a punishment towards one insignificant customer, it is just a token of your greed. Well, thank you. I will not be using my Chase credit card very often, and if I do, I will not carry a balance. I know you do not give a hoot about what I think because I was able to pay my balance off. It's your other customers who are not so fortunate and have to pay the collusion, flimflam fees you are now charging--families who are struggling to make ends meet. They are the reason I am sending this email your way.

Please contact me if I did not read the statement correctly. I noticed that January statement reads--finance charges and February statement reads, "interest charges." Is there a difference or is it just another devious trick? This is what I received back:

Dear Carolyn,

Thank you for contacting Chase about the annual percentage rate (APR) for account ending in **. As stated in your card member agreement, the terms associated with your account may be changed in accordance with the applicable law. We will notify you of the change in writing. Our business practices are continuously reviewed to ensure we provide valued services and remain competitive in our business. While reviewing your records, I found a change in terms notice was sent to you on 11/24/09. At this time, I am unable to return your account to its previous terms. The card act, which took effect in February 2010, requires banks to change certain terminology that has been used in the past. The word "interest" is now required wording. If you have any further questions, please reply using the secure message center."

The account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates. This was my finale reply: "While reviewing your records, I found a change in terms notice was sent to you on 11/24/09. At this time, I am unable to return your account to its previous terms."

In the past, my family has paid thousands upon thousands of dollars in interest fees. The credit card companies were able to get away with so much using devious methods and tricks that the government allotted them, by their "laissez-faire" financial attitude. Through the many years of raising three children, with both parents working, we were barely able to keep one foot in front of the other.

Then, when my husband's company wanted to get rid of all their older workers, they offered him a retirement package which he had to take or risk not being able to find a position in another state, within this national company. Since we were still carrying a debt balance and since the job he found after retirement was one forth the compensation of his old one, we, in our finale work years, could not make ends meet. We were forced to go bankrupt or lose our home.

This country has slowly slid into an uncaring and totally unequal culture. Largely because of the greed from those who govern at the top. Everyone is complaining, but for the most part, their complaints are not directed at the ones who have caused this downward trend. Too many people believe that it's the poor, not the rich, who are responsible for this dilemma. They have been indoctrinated by a "newspeak" or "rovespeak" ballyhooed by some government officials to direct their frustrations towards those who have the least voice. All of us, in the end, will lose if this downward spiral is not reversed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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