Chase Bank Reviews

To add insult to injury they lowered my HELOC from $100,000 to $10,700 in violation of Reg Z, The Truth in Lending Act, Reg B, The Fair Housing Act, and yes they used unfair and deceptive practices. They used a bogus fly by appraisal, which was almost $100,000 less than recent comparable sales in my small neighborhood within the previous two months. There is a reason why they went belly up and the new owner is no better.

I have been hit the hardest after bank holidays and weekends where numerous debit card transactions are approved over the weekend/holiday (i.e., sufficient funds available and therefore transactions are approved) but on a subsequent business day when the transactions settle in my checking account a large draft such as an automatic EFT set up to pay a credit card etc (i.e., EFT is set up to clear on the business day - Not over the weekend or holiday) settles on the same day as the debit card transactions. If the EFT is the largest item it settles first (regardless if all debit card transactions were approved in previous days). If the EFT transaction overdraws the account then Chase charges an NSF fee for every debit card transaction over the weekend or Holiday. Each fee is approx $35 and can add up to several hundred dollars.

My complaint is that if a debit card transaction is approved for payment because sufficient funds are in the bank account at the time the debit card is presented at a retail establishment, etc, then once approved funds in the Chase Bank account should be earmarked or restricted to pay for the approved transaction. For people who live pay check to pay check and bank balances can drop close to zero it is extremely difficult to keep up with the manner transactions settle in a Chase bank account. The funds charged are extremely excessive. If transactions settled lowest to highest, normally there would only be one NSF fee opposed to numerous fees charged. Someone needs to challenge Chase on this. It makes no sense to me that you can use your debit card one day when sufficient funds are available only to get charged a fee for insufficient funds several days later on that transaction.

I get checks from my boss as a DJ through personal checks. His account is through Chase Bank. As I do not have an account anywhere, I have to cash it at a Chase location. (My ex made an account in my name with my info and made it overdrawn. This put me into check systems.) Anyhow, they charge me $5 for EACH CHECK! This has to be illegal as it's out of THEIR BANK! I don't know of any banks that do this other than Chase. I could understand if it was out of another bank and me trying to cash it at Chase, but that is plain ridiculous.

I signed up for Netflix using my Chase Card. Because Chase didn't switch my zip code, I had to try more than once with Netflix. All they do is check to see if funds are there. FIVE TIMES it came out of my account! For a total of about $80! Chase did their best to NOT help me. From under trained customer service people to MANAGER Idella (ID number **) being more rude than I have EVER had service, ANYWHERE. This includes the DMV AND Wal Mart!

They told me I could get info from Netflix to get it taken off of my account. Then when I called with it, they gave me the runaround and said that Netflix had to fax this info. Then told me I couldn't have the fax number to just give them. Which would have been easier than arguing. THEN made Netflix call on a line that only accepts customers of Chase (one that needed my CC# and pin) THEN told Netflix to call a different number for that fax number that I was told would be made available when Netflix called the main line. They even gave Netflix a hard time when we made the 3 way call to Chase.

BANK ELSEWHERE!!!! CHASE is nothing but criminal. Currently, Netflix is sending a fax with the cancellation of the FIVE charges. Of course Chase took it out within SECONDS of getting it and it'll take 1-3 business days to put it back. CRIMINALS!

Eventually when I got through to a person they were one of the rudest people that I've ever had to deal with and seemed almost ticked off that I had the nerve to call. She asked me for the exact amount of the check, which I told her was approximately a thousand dollars but was unsure of the exact amount as I work different hours every week and it changes so I had not looked at the exact amount before stupidly shoving it into the black hole that is Chase atm machines. She told me that they needed to know because they would look for the exact check so I ran to my car to root around for the pay stub which I found and told her the exact amount. Afterwards she said WITH AN ATTITUDE that the amount would be credited to my account within 24 hours until they resolved everything.

THAT WAS almost 4 days ago!!! I've called daily and it seems every person I speak to doesn't know their ** from their elbow and no one seems to know what happened to my check. I didn't receive a claim number and just got off the phone with a women in India who told me that she doesn't see a record of anything but that their system is updating. GOD HELP ME if tomorrow when I go to the branch if no one knows what happened to my check I'm going to go there with the cops and make a scene, call them and say that I have a dispute with a business owner and they have to show up. I recommend anyone who has a problem with this bank do the same. Get their business ID number and complain to the Consumer Affairs department, Better Business Bureau and attorney general's office.

I am sure this is criminal in some way. They trained me that the deadline is day before the due date, but then take down their website during the last several hours so they can get more fees. I am certain they do it on purpose and with or without proof would win in jury trial. However, I am not interested in that, just PISSED and wanted to tell people about it. I am done, I will xfer my balance ($3400) off and don't care if they close my account like they did on another WAMU card that I almost never used so they closed it due to inactivity. They really live up to their "kick you when down" reputation the credit cards are getting these days. As a rule, I try to avoid these low-end companies and use more reputable companies like AMEX and Discover.

I recently found out that this credit company went under and I am scared that they will practice this unfair process again. I have been a card holder since 2004 and have not had this problem before. I do not want them to try to tack on a late fee for something that I had no control over. I am hoping that you can help resolve this matter and request of them to send back the actual form where I hand wrote the amount of my payment. Not allowing them to send a statement that they drummed up. I know that my statement had $36.00 as the minimum due by the 16th and therefore sent $50.00 just to send a little extra. They would not take into account of my previous history of payments. Karry had the nerve to tell me of the charges on the account. I told her that I always use my card and then I pay it off and it should not be thrown in my face. I am planning on again paying this card off soon as possible and then I will not do business with them again. Please help me in this matter.

In June, I made a payment on the 1st, and didn't really think about it again until the 1st of July, when I made another payment. The payment date had been moved to the 30th of June, and I was 1 day late, and was promptly charged $30 for being late. This consequently put me over my balance, and I was additionally charged an over-limit fee of $39. The following month, I looked at my bill and discovered the charges, since they did not notify me of the fees, via email or snail-mail, and was taken aback. The real joy was the new interest rate displayed for me, however. It had jumped to 28.74%.

I called WaMu's customer service number, and was informed that there was nothing that could be done about it until the account was brought current, an amount of $251. Well, having just made a payment, I didn't have more to give, so I had to just let it ride. This has been going on with me being pushed over-limit each month, and I have been making the insane minimum payments, always on-time. I made a half payment of only $70 on a $129 minimum payment due. I lost my job due to the economy and layoffs, and simply didn't have more. The payment was made on October 1st, on time, but it was not enough.

On October 2nd, I received a phone call, telling me I was late on my payment of $59. I explained to the man on the other end of my situation, how I had paid a partial amount, and that I couldn't afford anymore at this time, and he said he understood. He then asked me if I could make a payment on a specific date of $59. I told him no, and we left it at that.

The next day, I received 5 or 6 phone calls asking me this very same question. Again I told them no, each time, and it was left at that. The next day again, more phone calls. I am looking for a job right now, and I need my phone to be available for this purpose, yet I am afraid to even answer it each time it rings. It could be a job interview, but more likely it is them again, asking me the same question as yesterday and the day before, and the day before.

For nearly three weeks now they have been doing this, calling 5-10 times a day, always from different numbers, some local, some in other parts of the US, sometimes from an 800 number. I have answered many times and told them each time the same answer, but to no avail. They still call back the next day. I'm starting to recognize the numbers now!! At what point does it become "harassment"? Bullying me isn't helping me pay my past due balance. I understand that I am past due, but I can't pay what I don't have. When I have it, I will pay it, just as I have all year long. The balance on the card is now at nearly $5500, when it was only $8 overlimit on the 1st of September.

This is an unfair practice, if you ask me. I'm beginning to wonder if I should be looking over my shoulder for the guys who are coming to break my legs. I'm not the only one who has been laid off this year, primarily due to bad habits of the banking industry. This is just one more way for them to get me. It all started from being 1 day late, and it looks like there is no end in sight!

I have exchanged emails with them 6 times now, never getting a real answer. All I want is to cancel my account and for them to take out these bogus charges. As simple as that and I feel like I'm being scammed. Yes, I should have read their location information but I was new in town, and they DO portrait themselves like a nationwide bank, and in reality they are not. They have misrepresented themselves and scammed me. Now they won't even help me get this account canceled without paying all these bogus fees that I simply will not pay.

I am now in the middle of disputes with the end payees, as they are sending me to collections for the amounts due. I feel I do not owe the amounts, as Chase withdrew the funds from my account and should take care of paying back the individuals. However, Chase refuses to provide me with any proof that the money was returned back to the payees. I am now stuck in the middle trying to resolve an issue between two parties with no ability to do so. I need guidance as to my rights and whether it is worthwhile to hire a lawyer in order to escalate my issue.

I called the credit card department and asked if the money could be wire transferred. The answer was no, I asked if I could just have it put back into my account. They said in about fifteen days. Note: I call to see if that transaction had been implemented and it had not. This was the seventh day. I went to several WAMU Banks to no AVAIL. I retrieved 500 dollars of the $800.00 owed me thru a Teller transaction with no envelope and my account was closed by the fraud department, and they still owe me. Question if they can charge me for holding their money in excess, why can't I and if I cannot take money from them and deprive them of the use of their funds, how can they do it to me? Is there a DOUBLE STANDARD OR what?

I checked my checking account and found that the 4 purchases made on the 1st, posted 10/2/08 as well as the check paid to my landlord. I had a talk with a bank rep on 10/3/08 regarding the situation that took place at 1am when I checked my account. I was told that the purchases and check were not posted until 4 or 5am and that why I did not see purchases at 1am. I told him then it would not be fair for me to get charged if at 1am I had a fund close to $1600.00 to cover all the purchases and the check as well. He then talked to his manager and she informed that since no fee posted at that time therefore she could do anything until the fee actually came.

I came back next day which was Saturday, 10/4/08, and neither the Rep nor the manager was there and the fee for the bounces totaled in amount of $175.00. I came back Monday and met the Rep and had a brief talk. A few minutes later, he brought back another Rep named Lore ** and told me that she could not do anything to reverse the fee since the policy of Chase was to pay the larger amount first then the small ones. I told her about the situation at 1am on 10/03/08 when my direct deposit came and I had no bounces or overdrawns. She told me the purchases would not be posted until 4 or 5am therefore I would not see and bounces.

I told her wouldn't it be unfair for me to be charged for fee when at that time my fund was sufficient enough to cover all the charges included the check. She told me that the bank has no control since everything dealt with electronics. And they do not recognize what came first and just paid what is large. She told me she could not refund the fee because I had about $260 in fee reversed since Feb. 2008. I told her most of the fee reversed due to error of Chase but she refused to investigate and stick to her nonsense policy that Chase would pay the large amount first and then small.

With such policy, Chase stole my money in the form of bounce fee under my nose without any resistance. She became sarcastic, rude when I told her I would take my business to Chase's competitors and saying the other banks would do the same thing like Chase. I told her my complaint was legitimate and she would not do to resolve and willing to let me go as a long time customer (3yrs). I told her to give me Chase corporate number to complain and she gave me a local number and when I called that Rep said she would stick to Lore's decision. I am no fool. Sound like this Rep and Lore conspired the story when I called. They covered their bases pretty good.

BTW Lore told me that Chase was doing a good deed for me to pay my rent check so I do not have to be bounced and that would nice of Chase to do that. I told her that I do not need Chase do such deed since doing that Chase caused me to bounce the other four purchases and incurred bounced fees. I told her that all four purchases came in when I had enough fund for them, therefore they would be considered as bounced and they should be paid based on the time I made purchase. Push come to shove, I would be liable for the check only if all of those purchases paid according to the time they were made. Lore would not budged and refused to reverse the fee.

I think that is very, very unfair when Chase was holding my money to put aside to pay for the four purchases and then the check came they disregarded the money held to be paid for the others and paid for it first and caused more bounces on the other and more fees imposed. Instead of Chase making only $35 fee on the check that supposed to be bounced, they fraudulently paid the check first and the other 4 purchases after which caused more additional fees for them to gain. No wonder an article from MSNBC stated that Chase is notorious for making about $2 billions in bounced fee from last year.

Let's make the story short. I think Chase has been unfairly treating me and stole my money fraudulently by the so-called doing the good deed for its customer by not bouncing the check with large amount and paid for it which resulted in lack of fund when posting the other purchases of which there was fund to cover those mentioned purchases from the beginning. I believed I do not need Chase to do such a deed for which I didn't ask for. Just let me deal with the bounced check and paid for the consequences. I worked for my hard-earned money and Chase came in and took it with such a nonsense policy. I am going to close my account with Chase today and will never come back to them or recommend my friends or relatives to Chase.

I am very frustrated with them. What good is a credit if they won't give it to me? And it wasn't really even a credit. They were only removing the amount they overcharged me. So far I've been stuck with nearly $100 in over limit fees! My credit is suffering and they are trying to set it up so that I am perpetually in the whole so they can charge me more and more fees. I've never been late on a card payment and diligently stay below the limit. I can't even get below the limit on this card now. They are changing my balance so fast I never have a clue what the bill is going to say and I haven't made a purchase for over 2 months. It is obvious gouging. They are killing me.