Chase Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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