Chase Bank Reviews

My husband and I have a mortgage through WAMU. I see now that unfortunately we are not the only ones in the mess we are in. In Oct 07, my husband lost his job. We put out heads together and decided to try and keep our home. We have four children and stability is very important to us for their sake. So I work overtime, and while it isn't as much as what we were making with his income we were trudging along. Recently we ran out of unemployment and it is getting tougher to make the payments.

Over the past 5 months, I have been continually unable to access my money in my Chase checking account. I had written a check and placed it in my mailbox, and I believe it was stolen. I immediately went to Chase, where they were very helpful and told me to close that account and start a new one, to avoid any complications or identity theft. I did so. The following week I went to go deposit a check. I got home and checked my account, and found there was no trace of the large check I just deposited.

I had 35.00 dollars in my account starting on April 10th, 2009. On that day, I used my debit card to do a transaction at Wendy’s for $3.19. When I got home, I saw that it cleared online from the amount. Chase agreed this happened. I had thought I would receive a check from work on Monday, but didn’t get it till Tuesday, April 14th. 2009. I went and wrote a check on Saturday, April 11th, 2009 for $65.00. I agreed with them that I made a mistake on the check. But I had 4 other transactions I made on Saturday and Sunday. Both days I logged online to see that these items were deducted from the account. But by Tuesday, April 14th, they put all transactions that Monday, which totaled up to $20.04. And then they put the check through first (which I knew would clear, but be an overdraft fee). But for the three or four transactions adding up to $20.04, they hit me with $35.00 fees each, even though these transactions had gone through the day I used my debit card. I checked each day after I saw this.

Chase/WaMu put through my automatic deposit at 12:01 am. I made a withdrawal 16 hours later and their system, which was designed by people, processed the withdrawal before listing the two automatic deposits that went in 16 hours earlier. They then charged me $99.00 in overdraft charges. Be careful. They say they have the right to do that but that certainly cannot be legal. Even though they reversed the charges, I had to spend over two hours on the phone and had to call some special elevated issue line. If you cannot get satisfaction with their rude customer service reps, who transfer you to a rude supervisor who cannot provide a corporate number because they do not have any way to contact their corporate office, do not believe them! Call the following number for action 800-225-5497. This is the Chase/WaMu executive offices. Do not try to talk to the losers at the 800-788-7000 number. They are idiots at best!

I'm a 44-year old unemployed woman who returned to school and enrolled in a college program. I also have been a customer of Chase for over 3 years. When I called them to switch my existing accounts to a student account, I was told there is an age limit for students. It's between the ages of 18-24. That is age discrimination. There should not be an age limitation of when a person can return to school. This is awful.

This actually happened a couple of years ago when I first opened my Chase account. I went to take 20 dollars out of my savings account using my Chase ATM card because I had already gone through my checking account for that week. When I got the account balance, which should have read about 3 dollars after taking the 20 dollars out, I noticed it was over 26,000 dollars. After having dealt with Chase in the past and knowing this would somehow be my fault, I went in first thing the next morning to let the teller know that I had in excess of 26,000 dollars in my account that I had not put there. She called over the head teller who of course started asking me how the money got into my account because it was not mine. I asked her how it would even be possible for me to do that and she ignored me.

We had overdraft protection and a check was bounced for 89 cents which caused everything else to bounce. It took us 3 weeks to get it straightened out, their fault. Then a few months later, my direct deposit paycheck was sent to my old bank, my job's fault. We had payments set up to be taken out and we called Chase and told them what was going on and it would be straightened out in 3 business days and to not send the payments through as it would cost us a fortune and fees for every time they were returned. They said okay and then sent the payments anyway which caused us to have to pay fees to the bank and the merchants.

A short time after they took over Washington Mutual, I was told. When I checked my balance online, a check had been returned and a fee charged. Two weeks or so later, the same thing happened. I never had this happen with WaMu. However, from what I read on this site, I am just one of many this has happened to. How can this bank continue to get away with this nonsense?

I knew that when Chase took over Washington Mutual that it would be a nightmare. I banked with Chase for a short period of time 10 years ago and was consistently disgusted with their customer service, denial of errors on their end and criminal fees that they refuse to reverse (white collar mafia). What used to be pleasant service I received at WaMu has now turned into a call to customer service to have some dead toned supervisor robot (who barely speaks English) with no ability to take ownership on behalf of the company she represents tell me that any fees incurred are justified when the error was internal on their end due to this extremely flawed transition. Needless to say, I am closing all of my (now Chase) accounts and looking for a friendly local neighborhood bank. I hope that Chase meets the same demise as the other financial crooks in recent news.

I was not sent a February 2009 statement and was charged $39 late fee for their mishap. I contacted them to let them know that I have never missed a payment and never received a statement for February. They asked me to make payment on the phone for $230 and they would reverse $39 and that I would see that in my April statement. That conversation was recorded on 4-16-09. I looked at my April statement to find that they did not credit me. I called to let them know and they denied about the reversal transaction. They claimed that they do not do reversal of $39. I told them that I did not appreciate them lying to me and doing bad business and they refused to let me speak to their supervisor.

I have been a Chase customer for over a year. Recently, in 3/09, I married. When I spoke with a female service rep at the Albertson's Chase (a branch inside the supermarket), I advised her that if anything were to happen to me, I wanted my wife to be the beneficiary of my account. My wife had her own bank accounts at a different bank. I was told no problem. The bank would need her Social Security number for identification verification purposes only and need not be present. I stated that I would return with the number the following week.

I have been banking with Chase for about two years and I am just disappointed and upset that they encourage customers to get Chase Alerts and Chase mobile with the belief that these tools will help manage your account but, in fact, they use these tools against you. I have paid over $200 in Insufficient Funds Fees to Chase this month alone. They alert me that my account is overdrawn a day after it becomes overdrawn, then charge me $35. They even charged me a fee of $35 for withdrawing $160! They also use their power to allow checks to clear at their advantage, a written check can sometimes take 3 days to clear or 1 week. I'm closing my Chase account this week and would never go back to bank with them.

I had a home equity loan with Bank United, who was then purchased by WaMu. The loan was paid in full in September of 2001 and a release of lien has never been filed. Since then, Chase has bought WaMu but since the deal is not final, they will not help me either. I have requested that WaMu release the lien several times, and there is no reply or response.

I've been a Washington Mutual customer for over 30 years and have excellent credit. Early in 2006, I opened my third HELOC with WaMu, having paid off the previous two in full, and never missed a payment on any of them, ever. At the time I opened the latest HELOC, I opted for a no doc loan and pay a margin premium for the life of the loan for this feature. Recently, Chase, which acquired WaMu after it failed last year, demanded I supply pay stubs and fill out a release for the IRS to supply it with tax returns. I contacted the bank and pointed out the loan documents did not allow them to change the terms of the agreement except by mutual consent and that the only documentation they could require of me were those of the same type provided at the time the loan was made. Chase refused to honor the terms of the agreement and told me the loan would be placed in default if I did not comply with their demands.

This really is not a complaint, but an update on a hot topic from the past couple of months. A small victory was won over a big bank! I just got a letter from Chase Bank stating that they are dropping their $10 per month service fee and refunding any fees collected plus interest. This will be reflected on April billing. Score one for the the good guys! I called a Chase customer service rep to ask why they were dropping the fee and was told it was a corporate decision. I knew she wouldn't admit that it was a really wrong thing to do, but I thought I would try anyway. In doing a little research, I found out the service charge was dropped due to negative customer feedback, which was probably helped along by the fact that about a dozen lawsuits were awaiting class action status.

In short, something has to be done about these companies. I am not going to exhaust any more minutes of yours or my life saying the same thing that the last several people have stated. WaMu is not helping. They say they want to and maybe they want to, but they put homeowners wanting help into limbo with endless faxes and mail with short time lines and request the same information. I have, as I am sure everyone else does, faxed receipts, certified mail receipts of sending the same information (pay subs, hardship letter, statement of payments, etc.) and they will say they received it only to get another letter stating they need it again. What good is the President's plan when these companies still continue to do this? It seems they keep this up just to prove they put effort into this. Please investigate and put an end to the runaround and endless calls to people who cannot help and make them assign agents to take responsibility for these modifications so the economy can get better!

WaMu backdates transactions to charge overdraft fees. I logged onto my online account at 12:30am on April 2nd intending to make a transfer to my checking to cover an automatic debit which I knew was pending. The transaction did not show as pending and I had a positive balance. Since the system updates at 11pm each day, there did not seem to be any need to make the transfer online, so I opted to just go into the bank in the morning and make a deposit instead. I then received an email notification at 2:30am stating that my account balance was low. (I signed up for these email alerts to try to avoid any accidental overdrafts.) When I checked my account, I saw that the transaction I had expected (but does not show as pending) had cleared my account on April 1st.

I am writing to you to alert you to the fraud occurring using Chase debit cards in MTA machines in New York City. On 4/4/09, I noticed that my daughter's checking account had dropped down from $40 to $30. Apparently, someone had bought a $10 MetroCard from MTA. As this was a 25% drop in her total, I asked her about it. She said she had never used her debit card. This was verified by Chase's system. I then went back and looked over my own checking account and found several MTA transactions that I had never made. I have a Commuter cash card, also through Chase, so I don't usually buy MetroCards. When I do, they are for $20, which is a standard amount. There were two transactions for $25, an amount I didn't even know was possible to purchase, as they are usually in denominations of tens.

I had my debit card suspended today. I received an automated call to verify it was I who made a purchase, which I did with some reserve. I was denied when making this online purchase as I used another card with success. What I was concerned about was if the denied charge was going to be put through; having a double transaction. I called the number referred to on the automated call and proceeded to enter my account information, which I was informed was not recognized; then forwarded to an online banker.

I have a mortgage and an equity line of credit (ELOC) with WaMu along with a checking account since 2001. Both my mortgage and ELOC had been on autopay. In 2008, I withdrew some more money from ELOC. Because of this change, I needed to set up another autopay. So far, so good. At the local branch, I filled out a paperwork and assumed it would be done. A month later, I noticed money was not withdrawn from checking so I went to the local office. The same people who filled out paperwork said somehow it could not be done and I need to do it on their website! I followed their instructions and assumed it is done again. Wrong! The next month, the same problem. I followed up with the local branch again.

I am an excellent customer with excellent credit. The bank froze my HELOC without notice, reason, or explanation. I thought the bailout taxpayer money was supposed to help customers. I was sent a letter postmarked five days after the account was suspended. No one seems to be able to answer my questions or address my concerns. I have been told to wait for something in the mail.

Mr. ** received a call on 4/2/09 and 4/3/09 stating they received no payment for March. Automatic payments were sent to Chase on 2/28/09 and on 3/31/09 by Bank of America. I, his daughter, Sonya ** personally set up these auto pays. I have no control over the auto pays, so why are we being treated as the thieves by banks? Mr. ** is paid at the end of each month. I myself have notified all his creditors of this and they need to take it up with the state of New York if they did not like the fact that he gets paid at the end of each month. This has caused my father ill stress that is not needed.

I have had our house payment taken out of a WaMu checking account for years. WaMu was not our bank of choice, so we never had checks issued. All of a sudden, our house payment cannot be processed as we did not attach a voided check. Hello? We don't use WaMu checking. After talking with 2 people at the customer service number (the first of whom was very rude), I was told my local branch had not done the paperwork correctly. I called my local branch and Josh talked with his supervisor and I was told, "Sorry, you do need a cancelled check." So now, I have to order checks that I will never use (after a 2-week wait) and make my house payment in person at the bank. WaMu/Chase sucks and I cannot wait to refinance. WaMu deserves to be bought out but Chase also needs lessons in customer service.

I took advantage of the 2.99% interest rate checks. I read the fine print on the check and could find no reason not to use it. Beware! Somewhere, although it's extremely hard to understand - if you use those checks, your monthly payments will be applied only to the charges on the 2.99% rate. Any other charges you make will get the higher rate and you cannot pay it off until you pay off the 2.99% first. Plus, when they add the interest to the amount being charged the higher rate, they increase your balance every month by that interest amount. You cannot pay that off either!

I am going to advise everyone I know not to use this bank. We were customers for years, but apparently didn't have enough money to be worth their while. They totally lied about a refinancing issue, thus causing many problems for us. Since then, I have been trying to get an issue solved regarding my interest rate. There are promises to call back, and nothing happens. I will make sure that every business knows how we have been treated. It is amazing how they can hire so many people that do just enough to get by with their jobs. We will continue to voice our opinion about Chase Bank so that new businesses will not go there. And we do know many people.

I also have been going through the loss mitigation department since November. They told me it was worked out in December and let me know that making a payment in January would mess up the process. Now, it is April and I am 4 months behind. I have good news though. I just received my docs and I am happy with my new payment. I have some questions about my escrow but I cannot get a hold of anyone with information. They now want me to sign and send it away but I just wish I could get some answers. This has been a very scary process and I have some tips for any of you. Write down everything!

The website for Chase/WaMu was down for over a week, while Washington Mutual (WaMu) Bank was changing over to Chase Manhattan. I was going to make my credit card payment electronically but couldn't. Instead, I mailed my payment from the post office late Thursday night. Chase claimed they did not receive my payment until Wednesday the next week. Since it was one day late, I was hit with a late fee. After calling customer service and getting nowhere with the service rep, the manager finally credited me with the late fee.

I just found out that my mortgage company foreclosed on my property and I found out due to a money-hungry lawyer looking at clerk of courts documents. I was never notified by WaMu. When I called, they said they had tried to reach me on my four contact phone numbers. Not one of them was mine. Now they say I owe them $4,000 and my payment I have sent will be returned because they will no longer take any payment unless it is in full. I must pay a reinstatement fee to their lawyers over and beyond. When I asked how they came up with the number $4,000, they said I had not made a payment since November 2008. Wrong! I then said I have a statement from January.

I have spoken to several managers about this, that they are always charging insufficient funds fee because what they do is place the biggest amount first, then they place the small amounts. This week, I was charged $175 insufficient funds fee and last week, on 2/24, $105 then on 3/16, $105 again. I could go on. If you check my records, you would see that they always do the same thing, put the big amount and then place the smaller even if the big amount was done last.

I have been a victim of Chase Bank rearranging debit card transactions so they can charge fees as well. I have $105 in fees charged ($35*3) because they put the largest transaction first which happened 3 days after the smaller transactions. What ever happened to just DENYING the transaction!! I would much rather suffer the humiliation of being denied a purchase than paying a $35 fee for a $6 debit purchase. This practice must STOP immediately. Transactions should be processed in the order they occur, not in the order that a BANK sees fit to process them. They claim there are "holds" on certain types of transactions, but I guarantee that is ** and they have a computer script that works in their favor every time. How could a bank who received $127 BILLION in bailout money continue to FLEECE the middle class with illegal fees and get away with it. Someone in the legal field please take these criminals down immediately!