About Chase Bank
Chase (NMLS #399798), the U.S. consumer and commercial banking business of JPMorgan Chase & Co., offers loans for home purchases and refinancing in addition to its other financial services. The company provides home loans in every state and Washington, D.C., and its services are available online, through its mobile app, by phone and in person at more than 4,700 branches.
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What does it take to send a wire with Chase?
- Two hours across 6 phone calls to customer service, fraud detection, ...
- Two dropped calls while being transferred from one group to another
- Being told three times by customer service, after extensive verification, that a wire would proceed ... only to have it rejected
- a secure message through the system to complain about the issue, only to receive an acknowledgement 24 hrs later that the message would get prompt attention. Three days later, I am still waiting
- After executive escalation, a call from a very polite young man who essentially then did nothing .... lots of style, no substance
Chase needs to fix its customer service. Some specific suggestions:- If there is a problem, call, text or email to resolve ... don’t just reject. I appreciate it’s to Chase’s benefit to hold onto my money but it is poor customer service
- If someone in customer service tells you a problem is fixed, then the systems should be such that it is fixed
- There needs to be a real time connection between customer service and the back office so that customer service can fix an issue on the spot, not leave a note on the file which the back office then ignores
- Make sure your executive escalation people actually have the power to fix things ... not just politely tell you how sorry they are then nothing happens
On Tuesday April 12th 2022 I noticed that my water bill payment did not go through, I logged in to check my account and everything looked ordinary. I called Chase support and I was instructed to provide an SSA-89. I completed a SSA-89 and faxed it to the provided number coupled with my identity documents. On Thursday April 14th, I noticed that my online account had a message under my credit cards "Your account is locked". I called, I was then told that I needed to go to a branch to complete a SSA-89. I went to my local branch, we completed the SSA-89 and I was told 24-48 hours.
On Monday April 18th, I still had the same message on my account. I called and I was told that I had to go to a branch. I went to the branch and I was told my account was pending closure and that "compliance" needed more information that what was originally given, notably a scanned copy of my social security. We completed another SSA-89 along with other forms they could not disclose - with copies of my identity documents and SSN. I was told 24-48 hours.
On Tuesday April 19th, my account is no longer listed, I have an alert for a $0 balance - and I have no communication as to where my money is. I will spare unnecessary details (delaying my marriage) but I would like to note that at no point was I ever contacted by phone, email, secure message, mail or in-person (at the bank) about my account and the requirements. I have been a customer for 15 years and always kept my account in good standing. The compliance team on the phone were never helpful and often provided incorrect information (stating that I can fax the document).
I had to consistently make contact to them - they never notified me; I was respectful and provided all necessary information in a timely fashion. I did not receive any communication from them. I would like to know the reasoning behind this seemingly abrupt closure of my account which has been in good standing for 15 years. I have omitted names, employee numbers and transcripts for the sake of brevity.
Last weekend I was scammed. It was through Chase and Zelle and Neither will do a thing to help me. I have been with them over 25 years and all the time they say how safe you are and that they have you covered for fraud. Well they don't. If you go inside the bank no one can help you and you are informed to call the 800 number. I did, several times and was told several different answers. Was even told to call Zelle direct which is a lie because I did. If it happens through your bank, Zelle tells you "The Bank" will take care of it. After all the calls, and sometimes transferred 6 times I basically was told, "There is nothing we can do and Too Bad." $1400 Gone and 0 help from the bank. What a shame.
During these last 15 years, how long we use Chase Bank services, I have not met so helpful, scrupulous and patient a branch manager, who works out greatly her job, for the most heterogenous claims of us, customers. Ms. ** merited the highest praises.
Been a Chase Bank Client for decades. Go into the Pelham, NY Branch, see Private Client Biz Employee Daniel **. Right away I knew-- very unprofessional, going out of his way to say NO (opening a biz investing account). One of the most negative, abrasive, people you'll ever meet, discouraging me using anything he could think of. Called me the following morning, said he's denying the account because of some NACIS#, which I've never heard of, and provided no explanation, just hung up. Went down the street to BancAmerica, took approx. 10 minutes to open exact same account--I asked about NACIS, he said "we never use it." Have been a clean Chase Customer for decades, (biz and personal). D ** should NOT be working with professional people- a very bad business attitude. Thomas D
111% interest on a momentary loan?? That is how much Chase charged me for just my most recent overdraft, which occurred at 8:03AM, when I received a push notification indicating that my account was not only overdrawn, but the fees had already been assessed. Less than 6 hours earlier though, at 2:19 AM, I’d received one telling me that my account balance was down to $0.12. So, between those few hours at the very start of the business day (& on a Saturday), my account was overdrawn by $51.25, putting me $1.25 over their new >$50 cushion, then again by another $10, and immediately assessed two $34 overdraft fees.
Therefore, Chase bank gave me NO opportunity to replace the funds, processing the overdrafts themselves and the fees simultaneously, and for what amounts to a simple interest charge of $68 on a $61.25 loan that lasted minutes or seconds, if that, at a rate of 111%. I know they aren’t really comparable given all the different variables and flat rate nature of overdraft fees, but I calculated that in terms of an APR, and even using a loan period of one day, the result is a percentage in the tens of thousands, which is significantly worse than even the notoriously usurious payday loan rates, and not entirely inaccurate if a person gets in over their heads with the initial debt and continues to rack up daily fees on automatic payments, etc…
I’ve given 1 star, as I feel that Chase’s outmoded overdraft fees are unacceptable when so many are struggling financially from the pandemic, & other countries are adopting policies that cap overdraft fees at 20% APR, and other financial institutions in the US are either doing away with them altogether or greatly reducing the cost / offering a grace period. Yet, Chase: one of the “Big Four” US banking giants and self-described “global leader in financial services,” apparently feels no such moral obligation to its lower income customers and has made none of these changes. As a Case Aid working 8-12 hour days, but only getting paid for 3-5 of those tops, facilitating family visits for children in AZ state custody, which the state is legally obligated to provide, I can hardly pay my bills without help.
Oddly, AZ allocates $0 for this service, & if the govt won’t even protect its kids, I’ll not hold my breath for them to intervene here. I mention this to highlight the affected demographic and it is such that I cannot afford to keep this job, nor can many others, and this is resulting in even more neglect to an already horrifyingly inadequate child welfare system. It’s the sort of practice that helps to perpetuate poverty and class struggles in more ways than one. Pretending like they don’t know how their actions trickle down and spread rot beneath the surface, like it’s just numbers on a screen and in their own personal bank accounts, is no excuse to continue as they have been. I plan to switch banks.
I’ve had issues with Chase for years, the first time money went missing from my account and they closed the account, it took me 6 months of calling and going to different branches to get my money back. No explanation or nothing. The second time I had to open an account I ended up switching banks. Third time I had to open an account because me and my husband wanted to open high school accounts for our kids, they made me go through a lot of trouble, we sat at the bank for 4 hours because they were accusing me of owing them money from 2014… that’s when my money went missing. Anyway we spend hours trying to figure out how to pay the money since 2 of their system said I didn’t owe anything so they couldn’t take the payment. Now after I transfer all my bill pay and direct deposit to chase they cancel my account again and they won’t tell me the reason.
I deposited a Chase issued check for $8000 at the ATM at 5:15pm into my Chase checking account. The next morning I noticed that the check hasn’t cleared and came to find out that the bank put a hold on the funds and would not release them. I was on hold with the fraud/verification department for 41 minutes and then disconnected. I called customer service back again and they transferred me to the same department where I continued to be on hold. The Chase employee told me that they would verify funds today and that funds would be available tomorrow. I do not understand this!!! The person that the check came from has no access to the $8000 from their Chase checking and I have no access to the $8000 deposited into my Chase checking! I could have had the person pull out the cash they owed me today! This is such a blatant display of horrible customer service! I am so disappointed in Chase. Cannot wait to find a new bank to work with!!!!
Someone committed fraud on my bank account and stole over 35,000 from me and their claims department let the bad guy just walk away with all my money and they didn’t refund me anything. They are the absolute worst and evil. They basically just let some scammer take all my money and didn’t help me at all, I’m filing a complaint with the Consumer Financial Protection Bureau
I have my mortgage, credit cards everything through Chase. I got tricked by scammers saying they were Amazon. Chase shut my account off due to suspicious activity…perfect, so I thought. In a nut shell the fraud department favored with the criminals for 3k. I asked chase over and over after 30 years with chase I have never taken out more than $300 why would I take out 3k at once? They lack common sense and do not believe their customers. This has made my overdraft which they charged me for, missing payments etc. I have removed my saving and credit cards from them soon they will not make another penny off of me.
On December 29th My husband and I left our car at an executive airport that offers free long term parking. After returning from our 2 month trip we found our car had been mistakenly towed and Chase Bank retrieved it from the tow company after 28 days. We were never notified by the bank that this had occurred and we were not at our residence to receive notification from the tow company. Chase Bank refused to tell us the location of our vehicle for 4 days and charged us 2,100.00 to get the car back. When they finally told us where we could pick our car up, we had to drive 4 hours across the state to an auction facility. Our car was scheduled for auction the following day! They Never bothered to call us! We are set up with auto pay and have never missed a payment yet we now have a "repossession" against our perfect credit and Chase Bank refuses to help rectify the mistake.
To make matters worse they sent us a paper bill for April's payment with an additional $45.00 repossession fee! Our vehicle was cleaned out! All of our personal belongings were gone including a spare set of floor mats and our registration. The auction facility claimed they never took our belongings yet the car was being prepared for auction. After 3 weeks of daily calls to Chase Bank we found that our belongings were in the same location we retrieved our car from and we had 2 days to make the drive as they only keep personal items for 28 days. The 4 hr trip was impossible due to our work schedules. All of our personal belongings are gone. Our vehicle was damaged and Chase Bank refused to help us any further. This is how Chase Bank treats their customers with perfect credit. They destroy it and they don't care. We will be paying this car off and will never do business with this bank again.
So I had an account with Chase for about seven years and I always read about how great they were and then I had an issue with a charge that was not mine and I disputed it and they were fine with that. They decided to cancel my debit card and sent me a new one. I went into the bank a couple days later because my bank account showed zero and I didn’t know what was going on so I went into the bank and I live in Aurora, Colorado off of Buckley and Mississippi.
Veronica is this young little thing that works as a desk. I think she’s all that and I went in and said I need to talk to a manager and she’s like, "About what?" like all crappy and I tried to tell her and she’s like, "Well I’m not sure what’s going on" and so I just was like, "Fine, whatever" so I decided to go back in a couple days later and of course she got her again. She was extremely rude and I said I need to text him about my account. She’s like, "What about your account?" all **. I was like OK, so we had words, she started talking crap. I said something back. The girl next to her that was working there said something to me so I walk out. I go outside.
I get a debit card in the mail couple days later and my account was totally closed and I think it’s cause I had an altercation with her, they close my account. Didn’t bother tell me why, tell me anything. I call on the line their 800 number which nobody speaks English and they said that it was closed and the guy said, "We don’t have to tell you why." So he was all crappy. I had a direct deposit coming through that day so I had sc scrounge and scrambled to get another account. They were so rude so I called down there today to a manager and I told her that those girls neither ** beat, they talk to clients like that and so she called the cops on me and she said that they don’t want me as a client there and that they’re not gonna file charges. They can file trespassing charges. **.
I didn’t do anything, nobody told me not to come back in the bank. I was done going in that bank, let them do it. I will get a lawyer and I will sue so the cops called me and tell me that they’re not gonna press charges and I’m like, "Well first why you can’t because you didn’t tell me anything about not coming back in the bank and why would I go back in a bank that I’m not even doing business with anymore." So I was thinking to myself, you know what, press charges, they’re not going to because I didn’t tell me not to come back in. I will sue you.
This is the worst experience I’ve ever had with a company. I wouldn’t recommend anybody go to Chase because from what I’m looking at online they’ve done this to mini of people and they don’t even tell you they’re closing your account. I am very much shocked because I never thought a company would be that rude to somebody’s doing business with them. Don’t go there. Don’t think their horrible customer service is one down the toilet since this whole Covid thing. Nobody cares about customer service. They treat you like crap, these two little gangster girls that work there, he’s Mexican girls act like they’re gangsters. You’re working back there talking crap that’s OK you talk to someone like that and then I said something back in my account was closed so they just retaliate on you.
I’m still thinking about calling a lawyer because he said they didn’t wanna file charges. First well don’t threaten me like that. Nobody told me anything and then he said, "They’re sending you a letter telling you that they don’t want you back in there." OK you never said that to me the second time that I walked out, nobody said anything to me. Nobody has called me. Nobody has talk to me. These people are a bunch of bullies but again we live in Colorado and Colorado’s a bunch of liberal little **.
My wife and I had a Chase account for many years. I've been a customer for several decades. We have a very large some of money deposited at Chase well over $300k. My wife went to the branch in Richland Hills, Texas today to cash a $400.00 check. She is on the account, her name is printed on the Chase Bank Provided Check and she had proper ID. They refused to do cash her check with her unless I was physically in the bank. What would she do if I were in an accident or hospitalized? Is this the 1800's where the wife has NO RIGHTS.
I am trying to send a wire to someone from Ukraine. Two days for them to approve the recipient. Now 5 days and the wire still has not processed. One hour on the phone with numerous departments and a visit to the branch with no help. Numerous emails to try to cancel the wire and getting the run around. No department seems responsible.
Chase locks my account every time time I deposit a check or have an external bank transfer money into my account from my boss I work for. It is very annoying and takes up time from my day. I do not recommend Chase to anyone.
I’ve never seen such incompetence on all levels in my life. I submitted a charge for 813$ from Jiffy Lube for brakes that were done and done again 5x times over a month & a half, each time wrong which almost caused me to crash due to brake failure after they had finally Said it was fixed. I spend 1290$ fixing this problem with another mechanic. Chase said they will require the receipts for original pay and for the fix it receipt. I supplied both as soon as I could, although chase gave me the run around due to holidays and then their agents constantly couldn’t fix my issue so hangups and constant transfers (they should have recordings). Finally I made the dispute but it was automatically denied due to being over 120 days or something (the agent assured me since they double charged me and since it was denied their fault chase would no doubt look into it). They didn’t.
Today has marked 5 months I’ve been dealing with this. I uploaded things time and again 3 times and they still wanted to say they couldn’t see the double charge doc due it being bad quality (their own agents uploaded it all the times). I spoke to Jen today who told me that basically I’m a liar. That I uploaded it wrong and that I never even send the second doc, then the supervisor repeated it’s been over 120 days and that I didn’t even try uploading and filing this right away. (I BEEN he refused to listen Ronaldo phone calls especially one from March 10th saying I didn’t mention a double charge but neither way it doesn’t even matter because it’s been 120 days so it will automatically reject any claim). So then their system completely failed?
Jerry "the supervisor” then pretty much also called me a liar (although said he can’t see the unclear receipt) so now I’m out 2000$ plus medical bills all the while my country where I was born is being bombed to oblivion. Thanks Jerry and Jen and the rest of your incompetent employees who didn’t even bother looking into my claim, It’s sad too because when I dealt with identity fraud issues chase was pretty good on everything but now? I’m disgusted! The government needs to step in and shut them down like they did Bank of America!
I have been a customer of Chase Bank. Recently some fraud was done on my account. I was asked to go to a branch and change my account. I did that. Now I have a negative balance of over -$3000. Was told that The transactions were genuine and I need to pay the $3000. While everything is going good that are the best. But when it come time to help their customers they are rude and refuse to help you. I am going to pay the funds today and close my account. When the fraud department told me that there were fraudulent activities done on my account and to change my account number. Charge me with over $3000 and tell me that the transactions were done by me and is genuine. A lot of crap. Please stay from J P Morgan Chase Bank.
After more than 10 years as a client, paying thousands of dollars in CC fees, the bank is having issues with reimbursement for charges from a fraudulent company. They side with fraudulent merchants not their own customers.
The IT department at Chase seems to have their hands full. Because my profile includes business and personal accounts they are unable to link my new credit card to my account. What!?! I spoke to 4 different people, IT twice and they all told me different reasons. Once they said my social was incorrect, and the next person stated my social was fine and had nothing to do with it. In the end, a very nice representative plainly said, "I'm sorry, we can't do it" and I don't know why. I asked her if she could put in a request for IT to review the case. She said yes but you probably won't hear from them. She suggested I create a 2nd Chase online profile. No thanks. Probably better not to get Chase credit cards. On another note I see you can't use "/" marks on memo in Zelle. I totally remember in the 90s when this was a problem with some data entry. That was a long time ago.
Do NOT bank with Chase. I deposited a large check into my account on 2/16/22. It is now 3/4/22 and my funds are not available in my account or even showing pending. The check has cleared the bank it was drawn on and Chase has had the funds since 2/26/22. I have been told literally 6 different stories about where my money is and why it isn’t in my account. I’ve spoken to customer service, loss prevention, my bank manager, other managers in customer service. I still do not have my money after being given a 7th story today.
We purchased a round trip ticket through Chase rewards last year, 2021, and had to cancel due to covid travel restrictions. Our deadline to use this credit is approaching but when we call to book a flight they were unable to locate a return flight in any of the 3 months we requested, making the credit unusable. 0 flights were available! The alternative they provided is to book a one-way ticket (for more than double of our credit) and then purchase a separate return flight. Several flight options are available outside of Chase rewards. This problem is enough for us to cancel our credit card and find another bank to work with.
Been on hold for two hours. Deposited 3 checks into the bank. Two were bank check from Chase directly from chase into another chase account which chase decided to put a hold on all my deposits to verify their own checks. Why put a hold on bank checks to verify when you're the same bank who issued? Then I been on hold for going on two hours now. Just horrible experience. Wonder if they gave me three checks of theirs if they would mind if I held it for longer than expected time to verify.
I had been a high level customer of Chase for more than 2 decades as they bought out my bank. Anyone with any accounts with Chase is just waiting for abuse. They are the largest American bank and almost certainly THE WORST by far. I am abused by their terrible unprofessional systems every time that I call. They are slow, dumb and so so poorly run. They are over two decades behind in their technology as well. They have multiple separate departments mostly to obstruct and stonewall customers. Their agents (employees) are so so poorly trained and they are precluded from any of the real tools to get problems solved for customers. There is no real concept of customer service as they are all involved in customer ABUSE. I started and ran businesses so I do know any and all ways that they just refuse and fail to even start to try to serve customers. Run away ASAP or it is your own fault.
They refuse so so many simple services offered by a usual bank. They are only good at getting more and more BAD. Their agents in the branch offices are extremely well meaning but the central structure precludes them from most of the service that customers may actually need except in the very very simplest lemonade stand ways. AVOID THEM AT ALL COST!
I sent some money through the Zelle app, I wrote the word "cuba" on the notes for my own record. JPMorgan Chase Bank blocked those funds from being deposited to my friend's account. And now it seems impossible to get the money back. I filled out a form with my bank to dispute it already, but it has been more than 60 days since I made that transaction, so my bank cannot do anything about it from their side. I contacted Zelle and they informed me the same thing! So now what? This means that chase is pretty much keeping my money and I lost it?! How does that make any sense? I contacted Chase headquarters and the representative told me that I had to contact my bank, WHICH I ALREADY DID before calling Chase! This seems like money being stolen from me in a professional way where I can't do anything about!
On Feb 2nd, I deposited 2 checks (both in the same amount) to my account via mobile deposit. They were from a company that was paying rent on behalf of one of their low income clients. (It's a charitable organization.) I also work with this client, and his rent is payable to me. The bank put a hold. Then they froze my account. Mind you, these are valid checks, written from a legitimate business, that intentionally paid me.
I called them, and they said they needed to verify the checks, or wait for the 10 day (2 week) hold to expire. I gave them contact information for the organization, which they called, only to return claiming they couldn't verify the checks with their payroll dept. I exclaimed "It's not a payroll check! It's a business to business transaction, this has nothing at all to do with payroll! You're looking for accounting, obviously" - Transferred to a supervisor, who then told me she was going to have my account closed, because I was unable to offer information to verify. She said the balance of my account would be mailed to me upon the hold being released, and the account closure would take place at that time.
Waited 2 weeks. Called Chase back, because the hold should be released, and I wanted a tracking number for the check. It hadn't been issued. But the account had closed... (But NOT before accepting my tax refund from the IRS) So after going back and forth for another 2 days, I finally get them to call the accounting department, (for the checks that had already cleared, and should no longer have a hold). Here we are on week 3, and I'm filing a complaint with OCC.
2/27/22 found out someone stole my check (I wrote to ComEd bill) and somehow erased the ink and wrote themselves a new check for $991.78 (ComEd check was for $41.67, still have the copy). I always drop it off inside the post office. I called Chase bank 1-800-935-9935, they put me with the fraud department. Waited, they hung up. Called back to Chase (waited 20 minutes again), they put me with the fraud department again; this time got through. I was talking to a women and explained what happened. She said, "it would take 2-3 business days to get my money back". She asked me lots of questions (where do you keep your checks, when did you notice, do you know this person, etc..). She looked at all my old checks and notice that it was not my handwriting, also I have never written a personal check from this account.
The only check I write once a month is to ComEd, always! I waited 3 days, no money in my account; so I called the fraud department again. This time it was a guy, he was telling me that they still had questions that need answering. I said go ahead, he asked the same questions as the first time I called few days before. The guy said the person before did not put it in the system. I asked why didn't they call me sooner, because we would send you a letter (I got the "letter" on 2/15/22). During the phone call he kept putting me on hold for long time, finally came back to tell me it will take another 30 days to review my case. I asked why? He could not tell me, I will find out through mail. I told him that I have to pay rent on the first of month and don't have any more money. I'm a single parent of disable child, I can't work because my child needs me 24/7. I have very little money and I budget every penny.
Because of this, I have to chose to pay rent or pay for medicine for my child. I even took my check book to the Chase office, to show them the copy of the check. They didn't even look at it and said that they can't do anything for me and it has nothing to do with them. It is 2/18/22 and I'm still waiting. Wondering what's going to happen. I can't sleep, eat. Will, me and my child get kicked out because I can't pay rent or do I pay rent and don't by the medicine for my child (epilepsy, kidneys, etc..) watch him be in pain. Chase really doesn't give a care! Chase messed up and should never have let the check go through. It didn't even come close to my handwriting (I always write it in cursive, clear, and this check was in print), also if you go back one check every month is always to ComEd (always less then $50). I don't know what to do, please can anyone help! I will be forever grateful!
How a bank dissatisfied a new client closing its first account with this bank without any reason in couple of days! I open my account like 2 weeks ago and yesterday I can't access my account with money and the system told me to call the bank and they told me the bank decide to cut the relationship with client and close the account! I ask if I can open a new one and they told me never, thanks Chase! Looking in the internet too many people suffer this upset situation from the "best" bank of USA.
Overdraft fees are horrible, they charge 34$ for every overdraft transaction, they are stealing my money. Very very bad experience. In a single day I was charged with 100$ of overdraft fees. I will start looking for other options to move out of Chase.
I have a very bad experience with this bank, they barely answer the phone, put checks on hold for 10 business days. I was traveling and they don't help me to have my money available. If you cancel a transaction they hold the money for several days before returned to you account. They charge you for everything. Very bad financial Institution.
What an unprofessional, lazy, and disrespectful organization. We have four young boys and my money is ding dong ding, that’s right, in my account. However, you froze my entire account, including access for both my wife and I. I can’t buy groceries or get gas. Money that is mine is now under lock and key. Oh yes, it’s a weekend too, and I can’t get anyone in the line. I wasn’t even contacted, frozen and none of our cards work. Real nice Chase, so much for our family weekend. Bunch of scumbags, I love that I deployed 8 times to return to this type of crap. I HATE JP MORGAN CHASE and I hope nothing but horrible things for this company. What is wrong with you and why do you do this to hard working Americans? What a disgrace, I will be closing everything with you. You stole from me and are making us eat Ramen until I get in the face of the local office first thing Monday.
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