JPMorgan Chase
Reviews and Complaints

I work for chase, Customer's are divided into 3 categories. This has nothing to do with how long you have been a customer, or how on time you are with your payments. That means nothing to chase or the employees... I know because thats what they tell me when a customer calls in with a bad story and they have been with us for 30 years, my boss always says " I dont care if they have been with us for 1 year, the answer is no because they dont spend enough for us to help them".

There are 3 types of customers at Chase.
Best - Customer spends more than $15, 000 in finance charges a year, or used their card and pays off balance of around $10, 000 per month (chase gets a small fee for every transaction from the merchant, so even if you dont pay finance charges, the purchases alone add up and chase gets paid that way, but you gotta spend alot!) These customers always gets a late fee removed, Over limit fee or pay by phone fee removed when asked.

Valuable customer - Person that makes around 80-100 grand per year, has about 10-30 grand charged on the card, and pays the min payments every month on time. They get a fee waiver once every 6 months

In-eligible Customer - 80% of Chase's customer base. These customers are your average money making families or people that are retired and living on Social security.These are Customer's that dont charge much on their card and pays it off in full every month to avoid finance charges, or has a couple thousand charged and have a low apr. These customers are not profitable, and therefore do not qualify for any fee removals. Non, Nada, zip. Also delinquent customers or customers that are at high risk (chase does credit checks every 6 months on their customers) And if you ask for the supervisor, They tell you one is not available to speak with and that you have to write in to the correspondence address. Chase use to offer to close your account if you call in for a fee removal, but they stopped doing that. Now its just no.

They suck - Crooks - I hope they all go out of business

If there is an honest shakedown attorney these people can be put out of business and in jail.

Soon they will all be in Dubai. They tell us that the UAE are enemies and now they are all there taking your 32% interest rates and investing in China and India. We have been had. Get out of debt and never use chase again. NEVER. Wait until the USA good ol boys find out who really owns them.

Chase does not care, and the people need todo something with the credit bureaus about scoring credit if the finanical institutions are going to use them.

I had a similar problem with Chase Mortgage. I couldn't agree more. I lost my house to foreclosure in 2003 after our home was flooded with sewage from the city line deeming in uninhabitable. I asked Chase for help to stop or reduce the mortgage payments until I received money from insurance. They refused to do so. My insurance only provided so much and met their max. I then had to pay for a new place to live. Chase literally told me that they could do nothing about disasters and could do nothing to stop or temporarily reduce payments until a disaster such as mine was on itsway to resolution. I ended up handing the keys in voluntarily because there was no way for me to pay for 2 house payments. They have ruined my credit. I am still feeling the effects 5 years later. I have been through lawyers, the state/city governments and nothing was ever done. I ended up losing nearly $50,000 and have to endure the heartache of denied credit opportunities due to poor credit because of and inconsiderate and ignorant company that does not deserve the business of any American. I will never ever ever do business with this company or anything affiliated with Chase. I am bitter and feel they are responsible for the hardships I have endured over the 100% past few years. It is absolutely sickening! I saw your posted comments and it made my stomach sick.

I completely understand and relate to how all of you feel about Chase Auto, as I to have been swindled. Pleas ehelp me if you can. My story is that, on 7/11/06, I purchased a 2004 Mitsubushi through Chase Auto Finance which included a vehicle Vehicle Service Contract [ for $2000]that was subsequently cancelled on 7/12/06 because I learned my car was still under factory warranty. I was told by the dealer, Quirk Pre- Owned [ who are also full of **it. ]at the time of cancellation that the contract it self would not change however an adjustment would be made by the lien holder, Chase Auto Finance.
Prior to making my first payment in 8/06, I had received a statement indicating that I had been credited the $2000. bringing my principle balance to 15, 505. I took their worf fro it and really never looked into it. Upon recent review of my Contract with Chase and my payment history, I discovered that I am still paying interest on the entire loan of 17, 505. I contacted Chase and they assure me that I am only paying interest on 15, 505, which I admantly refute. Now, I am no math genius however I can add. I am currently paying a 14.54% interest rate on the loan, [initially the interest rate was set at 15.29% but was adjusted shorly thereafter]. My payments are $415 per month for 60 months, which comes to 24, 900. [The interest adjustment comes to a mere $7 per month or $420 after 60 months. ] Now please correct me if I am wrong, If I am paying interest on a principle of 15, 505 for 60 months, I would be paying around 22, 500 at payment end, not 24, 900. Chase reps have continually been giving me the run around [ while harrassing me for payment of course] about money due me. What should I do, I have considered Arbitration.. any suggestions or advice.
Thanks
AG.. Massachusetts

Well first off, seeing as though “Thanksgiving” is a major American holiday (not sure what country your from) and most, if not all financial institutions are closed on national holidays. So yes, I can understand the WHOLE department being closed because of a holiday, that most Americans enjoy spending time with their families on (you seem a little heartless). Now, you mentioned earlier that you were set up on automatic payments and that its deduction was every 13th of the month. Keep in mind that nowhere in your complaint did you mention you requesting the auto debit to be cancelled because you were paying the vehicle off. So if the auto debit continued to withdraw from your account and the fund weren’t available, then yes you would be charged overdraft fees from your bank and NSF fee from Chase bank as well. Now as for the $9 a day charges, I would imagine that is the per diem for your auto loan, it’s considered a standard among auto loans, and would be stated in your contact agreement. It usually accrues daily once your payment becomes late, so if you were mailing the payoff check to Chase (after your payment due date) you should of thought of the time it would take for a mailed payment to post, especially considering its an American HOLIDAY SEASON, and the BUSIEST TIME of the year for mail services. As my closing remark to you complainers, you shot yourself in the foot with that one.

After years of holding my account open with chase and not charging anything. I recieved a online statement stating, I have an past due amount on my card. I immediately called and they were so helpful erasing all charges and issuing me a new card. I was a little low on money one month, so I decided to use there convenience checks to pay some bills. What a horrible mistake. I pull up my staement and to my surprise I have two declined check fees attached to my bill. I again immediately call, thinking I will get the same prompt and courteous service. Boy, was I wrong. See they closed my prevoius account in november and sent me new convenience checks on the old account in january. I wrote the checks assuming they had to be for the new account. Wrong they sent me old checks that were no good. Thus leaving me in more debt than I started with. I agreed to take part responsiblity but they would'nt take any responsiblity for mailing me BAD CHECKS, two month after the account was closed. They don't care. SCAM ARTIST. Don't try to get a name and number of anyone in corporate, it just won't happen. My advice to anyone thinking of opening up a chase account: DON"T DO IT! I believe they sit in there corporate meetings and think of legal ways to immorally screw there customers.

Chase Bank is the worst bank to do business with. There is no doubt about that.
I always have made my payments online using wamucards.com (now chase.com).
My last day of payment always used to be 12th of every month.
On 9th February 09, I initiated a payment of $400 towards my credit card. Wamucards.com showed payment is in process and will complete in two days.
I checked three days later it is still in process. I thought may be they are being taken over by CHASE and probably that
is why it is not going thru. I tried calling the bank but after being on hold for over 30 minutes I hung up. Later I found out that the payment
did go thru but rather than showing payment date of 9th feb 09 it showed 14 feb 09. And on top of that bank charged me a over draft fee. I called the bank @ [protected] and spoke to the
supervisor ERIK PABALAN EMP-ID-# N123364. After 30 minutes of argue, he said that your account is not alligible for the refund since
we recieved the payment on 14 feb 09. I said if that is so than I am late in my payment how come there is no late fee charge for that he
did not had an answer. I will file a formal complaint against CHASE with "The Office of the Comptroller of the Currency." I hope they can
have these charges reversed. I strongly urge every one not to BANK with CHASE as you will be CHASING after your money.

I totaly agree. Thanks for sharing.

Chase is drastically raising my interest rate and I have never been late...not once. They send out tiny print announcements about 'prime rate' and 'Libor rate; they do not use real English so they screw customers better while taking bailout money...call your senator or congressman chase is anti-consumer and un american.

I have three credit cards with Chase Bank. All of these cards were previously under Washington Mutual until they were bought out by Chase Bank. My accounts were all in good standing and the bills were being paid ontime each month. Within a few weeks of taking over, Chase bank raised my interest rates from 14% on each card to 25%, 29.99% and 19.99% on all of my cards. Then they reduced the credit limit on one card to just under what we owed and closed the other two accounts completly. We were not notified prior to these changes, I found out about the closure when I attempted to use the card and it was denied. I contacted customer service to inquire as to what the reasons were for the closure and was informed that we no longer fell into their acceptable point system. I explained that the cards were being paid on time so why were we being faulted. I was told I always had the option to pay off the balances and get rid of the cards completely.

Last month, without prior notification, my payment on one of my cards went up $40-$50 a month. I received a notice after the fact that Chase had doubled my finance charges each month as part of a program they were using to help me reduce my balance faster and pay off my card quicker. ? Now it is all I can do to keep up with the three payments each month. I contacted customer service again to plead with them to reduce my interest rates as I could no longer use the cards so I wanted to clear out the balances and get rid of them asap. I was again informed that they could not help me because my accounts were closed. Chase Bank is shady and unfair and they attack their customers that are paying their bills on time instead of attacking the ones that are not. They are completely uncooperative and nasty when you speak with them. They have now forced me to contemplate credit counseling as a last resort to get these cards paid off. I want to pay these balances and never hear from Chase Bank again! They have started a spiral downhill with my credit for no real reason other than to screw me and make money. They are the worst company I have ever had to deal with! To destroy customers that were in good standing with the previous bank is just unfair! Now I just make payments each month and my balance stays right where it was.

I hope enough people post comments and file complaints about this company until someone forces them out of business for thier unfair and unlawful credit practices.

I have been a long time customer of Washington Mutual Visa Credit Card since 1999 and always paying my bill on time and over paying about $50 to $100 dollars of what the statement was and paying them down, my credit rating was excellent, Also I have never been late on any of my utilities or car payment, in fact I have paid ahead on utilities and car payment. But just recently Chase purchased all of WaMu credit card accounts and now they have lowered my card balance and doubled my payment and raised the interest rate without notice. This has put me at a disadvantage that if I can’t make the payment they will start fining me for late chargers and raising my interest rates. (I Don’t Find That Very Fair At All). This will lower my credit score and put me in bad light with other creditors I may want to do business with. I only have two credit cards and Chase at this time is the one that’s screwing me. I find it hard to believe that the Government of our Great United States would let any card company take advantage of good, honest and hard working people and to ruin there lives for the greed of their company. (HEY! OBAMA HOW ABOUT MY BAIL OUT?) I would not recommend Chase Bank to any one, they are the worse ever company I have every done business with and when I pay them off I will cancel the card and any card company they purchase in the future. Hopefully someone will put them out of business soon.

My credit card with CHASE formally WaMu has been cancelled by them. I have never had an over the limit, late payment. The only thing I am guilty of is paying off my card and just when I started using it they canceled my card apparently because I don't charge enough or have hardly ever paid just the minimum. I now reguard CHASE as thief. And would never recomend them to anyone. They apparently are only interested in customers who end up paying the fee's no one should pay.

I have a Chase card, formally WAMU, and have found their practices totally below the standards of all my other cards. If you are close to the limit, don't just send the minimum, because it will cause your card to go over before the next billing cycle and then the fees will kill you. $39.00 over limit because the finance fees were enough to put you over. When you call for an explanation, you get a rep like Tayna who proceeds to put you down because of lack of training. You should never get closer than $50 to the limit per $1000 of your limit to avoid these ripoff fees.

Without going into the specifics of my ridiculous encounter with a handful of Chase customer service managers and representatives who cared only to patronize, condescend to, and belittle me, I had an eerily similar situation occur earlier today. It is remarkable the executives allow (endorse? Encourage?) the type of smug, snide, and arrogant treatment of their clients/customers by their own ill-mannered and uneducated subordinates . . .I am DONE with JP Morgan Chase Bank.

I received April's statement from Chase and saw that the minimum payment of 2% of the balance had been reinstated and the $10 monthly service charge had been removed and credited to the account. Is this a result of the federal bail out?, the result of a law suit?, or was it all just an effort to reduce the number of 3.99% and 5.99% accounts?

Ok you all, you need to understand that if you use a bill pay service with your bank to send the payments, you need to give it 3-5 business days for the payment to be received by Chase. The reason is because that payment has to go through the Federal Reserve Bank before Chase would get the payment. This process does not matter if it is electronic or not. The process the Federal Reserve is the same process that was done a long time ago with paper checks. You need to give it time to be received by Chase...also Chase has no idea of when that payment is going to be received because you have put that info and responsibility with your bank's bill pay system. Why are you yelling at Chase for getting the payment after the due date when you placed that responsibility with your bank's bill pay?

Chase does have the option to do the same payments through them on their website but they will post the payment AND GIVE YOU THE AVAILABLE CREDIT ON THE CARD TO USE while the whole Federal Reserve Process is being done. Seems to me that Chase is doing more to give you options than your bill pay!

I completely agree - somehow my payments were always greatly delayed in posting. Then one month there was a holiday which delayed it one day past the due date and the REAMED me with fees. I'm outta there - will never use them again and I hope you don't either!

All you have to do is "google chase credit card" and you will learn about their practices. Its amazing that the federal government has not shut them down for usury and fraud. We have 4 cards with them, and all are going to be transferred within the next few weeks.

Their mode of operation is to offer you a low rate, and once you sign up, shoot you up to the default rate through some deceitful and pitiful methods. There are enough stories on the web to illustrate how.

They are a step below a loan shark.

2 STAY AWAY FROM CHASE AUTO FINANCE!
I have good credit and i am customer but chase...give my decline!

First question: Well were you late?
Second Question: Why didn’t you just have your daughter pay the late charges?
Third question (and really the only one that matters): Why didn’t you request a payment history to give you a break down of charges assessed to your account? If your worried about the bank coming up with charges out of no where you can compare their records with yours.

Everyone should boycott Chase. I got a promotional Chase Circuit City card that I was told was interest free. I paid ONCE late, because they changed the payment site from Circuit City to Chase. Now I have finance charges every month. I have complained more than once. I was finally told by a manager that it's all my responsibility and that there's nothing she can do. I'm done with Chase. I closed two Chase credit cards after this and will never bank with them again. I have heard stories from lots of others about how Chase messes with its customers. Down with Chase.

Did you pay in the evening? It says on their website that if an online payment is made after 4:00 pm, the payment date will automatically be the next day.

Chase is aweful! I called them and they had no idea why my card was not working. I called in repeatedly many times, but every time I called they told me to reapply on Amazon.com for a new card. I do not know what they think, I think they offshored the contract to Pakistan. The service representatives in Paksitan think closing a card is fun stuff, for getting the $30 off on Amazon. Or reducing the credit limit does not do anything. It does affect your credit score in a bad way. When I complained to Amazon, they put a nasty message in my credit report, and purchased my Mortgage from another company. Lets see what happens now! I think they are out to get me now.

I tried to work with chase bank on my home loan but I feel because it's VA backed, they will take that money and buy the house themselves and sell it to one of their chosen slum lords for a profit. Never once has Chase returned my calls, instead I have phone call after phone call from collection people from another country who don't give a flying flip about me or my family just when can I pay? The people calling can not make any arrangements except for what money are you going to pay? They are rude and uneducated. Chase has never called me after 7 years of paying them on time...I went to the local Chase bank and they wouldn't talk to me they referred me to the 800 collection number...screw them! If the government wants to keep giving them the VA, Fannie and Freddie money so be it! They have fooled our government out of money once again!

Chase Bank make money on poor people High Fee Petar-Never again chase consumer

I had exactly the same issue with chase. They ruined my credit even though I have 2 different mortgages with them and always paid on time except for once last year and that one was only a month late. The debt department continued to hassle me even after it was all cleared up. I am not able to get a credit card even though my credit score is 720 because of that one ding on my credit that they won't take off.
I am now having to short sell those 2 homes that I have mortgages on with them and they are relentlessly hassling me once again all day every day.
They are evil in the way they do business and make me feel like a criminal. I have a lawyer handling my short sells because they are so disgusting.
I found out that JP Morgan Chase basically owns BP because it's owned by it's shareholders and Chase owns the most shares in BP. Pretty incredible that is kept secret.
I would love to see Chase go down. Maybe if everyone who they treat like dirt sued them, then something beautiful could happen.

I have had the same rotten experience with Chase. I made a payment to my mortgage account in November, 2009 which they failed to credit me for. They have ruined my credit and on top of it all they have harassed me day and night for a payment that was made, what is even worse is that I have made several calls to them and as always, no one knows anything, wrong department, let me transfer you and then hang up are the normal rules of their business. I managed to get a number from a kind soul who finally seemed to know his job description and requested an account review. I sent them all the proof from my bank regarding said payment since it was electronically sent from my bank to them and an explanation of what had transpired during the course of the complaint. To date, more than a month and a half later, there is still no correction being made. We are talking four months after payment has been sent. What a poor excuse of a company. If anyone is going through something similar, please let me know as I am very ready to seek legal advice on this matter. They have no regard as to business etiquette. Nor do they care, I will never, ever, ever if I can help it do business with this bank ever again.

I went through credit counseling back in Jan 09 for all my credit cards, 1 of which was Chase. I now just have the auto loan and I can't wait to rid it. If I had an extra 7k I'd rid it tomorrow. I WILL NOT settle the Chase card until they lose money. They're rude, lack any customer service, and charge you for every penny you own. I will never deal with Chase again. Maybe only to cash the occasional checks from distant family members, but never again for a monthly reoccurring loan. They've lost my business and I hope they fold under for all I care!

Like many others my Chase credit card payment was increased from 2% to 5% in August. It went from about $358 to $950, which is higher than my monthly income. When I called to complain they said it was not negotiable. I told them they are going to be the most hated bank in America and that it was a stupid business decision. Called again and asked about the "hardship" number I had heard about. Was told there is no hardship dept. and she offered the number of a credit counseling service and said that I would be required to close my account. I talked to the "idiot" there and he told me that I would have to pay them $20-50 per month (no doubt 50) and that they would "try" to negotiate with Chase for "possibly even" a 6% rate. I would also be required to close ALL my credit card accounts with ALL other companies! I told him that my interest rate is lower than that now and my other accounts should not be involved because they are not the problem. He said "yeah but if you don't your payment will be sky high"..

Your credit score will go down if you close your Chase account. Can you imagine the impact on your credit score of having to close 15 other accounts in addition to Chase? Most of us are forced to have numerous store cards in order to get the special deals. Closing every account you have and letting some punk "manage" your finances for you when you were doing just fine all your life and had excellent credit all your life -until Chase raised their payment to an amount they already knew you wouldn't be able to afford in order to "blackmail" you into accepting a higher interest rate. Don't believe that it won't damage your credit. The mere act of closing accounts damages your credit. Also they will report that you are in "financial counseling" which makes it look like you can't manage your finances.

I've read other posts where they offered to let some customers' minimum payment go back to 2% if they would agree to let them raise their interest rate from 2.99-4.99 to 7.99 for a year and then it would go to the default rate (sky high). This on a rate that was suppose to be locked in for the life of the loan (" until paid). These were not credit card charges that were run up these were those balance transfer checks (loans) that they wanted y0u to use to pay off your other bills, take a vacation, etc. All of us that they have done this to have excellent credit and a flawless payment history - but they want to get rid of us because they aren't making enough money. So for those who didn't go along with the rake hike they were offered a "debt liquidation" . Of course first order of business is closing their Chase card. Then they had to give personal information such as income, other bills, etc. They would get a 5 year payment plan at a fixed 2% or 6% rate. (The payment would stay the same (not go down each month as the balance goes down). (Sounds to me like exactly what they do in a Chapter 13 bankruptcy.) I just read on another blog where someone did this and her credit score went from 780 to about 657 just for closing the chase account and enrolling in that program. And the company doing the debt liquidation told her to check her credit report in about 5 months because if would be reported that she was in a"hardship" plan that was helping her because she couldn't pay the minimum payment. (Failing to mention of course that it was because they had just raised it to 5%.) Clearly Chase is on a mission to destroy people's credit. Why I'm not sure, maybe they are starting two other businesses on the side and they really own the debt liquidation company and credit counseling service. By creating a crisis situation for people it gives them immediate new customers to start out with.

However I wasn't offered either one of those deals. I was told there was no opt out and it was non negotiable. I was only given the number of the (useless) credit counseling service. A few days later I got my bill from Sears. The promotional period for PART of my balance was over (the rest was permanent) and guess what - they raised my regular APR from 7.99 like it had been for years to 21.24 on "that part". My bill was over $100 higher and it was all interest. I called and told them that this was a rate for someone with bad credit and that they have now made it impossible for it to ever be paid off. In addition they were going to raise the rate (again) to 25.9% in just a few days (and I had just gotten the notice)> I was able to "opt out" of that but not the 21.4%)

Between Chase raising the minimum payment to a ridiculous amount and then Sears raising the interest to a ridiculous amount (with no fault on my part at all as I have never missed or been late on a payment in my life) my only option now is bankruptcy. But I am going to make sure all that my bills are paid up and current right up until the second it is filed. That way I will go from a lifetime of excellent credit straight to Chapter 7. Thanks Chase!

I had TWO Credit Cards with WaMu and they sold out to Chase. Chase sent out letters saying nothing would change and they would be sending out Chase Credit Cards to replace the WaMu Cards. Last month may interest rate was the same and a doubled the payment as I most alway do, if not more. I received a Letter from Chase and it said the letters they had sent out before were in error. My interest rate APR was going-up to 29.99%. I e-mailed them and called them and told them NO-WAY, I was not with Chase, I have no Chase Credit cards, and DID NOT want any Chase Credit cards. I had paid On-line $75.00 on like a $32.00 payment at 18.99% APR. I get my paper Bill in a couple days ago, and they had charged me 29.99% APR, not the 18.99% APR. That is stealing and FRAUD. I just sent them $1.00 on a $35.00 payment, and told them that is all I would pay them a $1.00 or $5.00 on each card every month. it made no difference about Credit anymore anyway, so I'll run up a TRILLION Dollars in Interest and late fees, nothing they can do as long as I pay them something. I can always get a Private Number and a Restraining Order against them if they start bugging me on the Phone or have those from Home Collection Agents do it. Find their Homes and nail their doors shut with them in them, I guess. But if EVEYONE who do this, the New order World Chase would have to sell out to the Rothchilds for pennies on the Dollar and go Broke, like is buying out and doing to others. My opinion, Chase is TRAITORS to the American People and wants to you and yours. Write your US Reps. and tell them you not going to stand for it from Chase or anyone else. Chase is only one of the TEN biggest World Money Holders, they are far from being the biggest and they don't own America or it's People. oldgrapeape@yahoo.com

Wells Fargo has gone the customer treatment route of Chase. Same reason keeping business account.Investing elsewhere, no bankds

I hate Chase soooo much! The only reason why I keep an account with them is because my kind grandfather transfers me $70 a month for gas. I have an account with Bank of America now, and I love it. I just didn't want to tell my grandpa to start sending it to my new account, it's kind of rude, ya know? Are credit unions better than banks tho? I ended up making some transactions and I could have sworn I didn't go over my 70 dollars, and sure enough they throw on like 3 overdraft fees! Ridiculous! I have only had like 2 overdraft fees at BOA - and I don't write my ### down either. Chase charges the most I think for overdraft fees. Sometimes, I believe that they take small amounts out of your account without you even knowing, I wouldn't doubt it! Especially on those accounts where ppl get penalized a lot, they probably don't think anyone will notice. And if your account happens to stay negative for 12 consecutive days they throw on another $14 - I had to find that out the hard way! I was like, I can't pay you because you've taken ALL I had, then I of course had to wait to deposit more money for them to just SUCK away from me and I got penalized for that! Geez! There have got to be some big pigs living the good life on their yachts in Malibu or the French Riviera from every meesly dollar they take from the American ppl who have to break their backs to make a hard-earned pay! From now on, I just plan on withdrawing everything from my account each month, screw those ###! And thir commercials are FULL of deception, "I'm free to do what I want, any ol time!" pffffft whatever, more like, "I'm free to get screwed up the butt, any ol time!"

Chase should be tried for treason. They suck the lbood out of ordinary Americans. They're children will be cursed by God.

Just recently, Chase closed out my credit/debit card without notifying me. They said they closed the card due to the card being lost or stolen. I informed them that my card has always been in my possession and I have never been without my card. The woman I spoke with did not sound concerned or apologetic. It was maddening. I am an outdoor photographer and if chase is able to just close out cards whenever they feel like it then I am screwed if I am out in the middle of no where one day and need to use my card and there isnt a chase bank in sight. I suppose I can bring cash, but what good is that? There are just times when the only thing you can use is a card. I never had this issue when I banked with Wells Fargo.

Our company has been hiring tons of people from Chase's IT shops. They are saying the similar thing. They cannot stand the business practices going on and the execs taking personal trips to the Bahamas on company jets for a "out of the box" team activity. Nice that Chase took $25 billion (YES BILLION) from the taxpayers bailout money and is using it to lobby congress to veto credit card reform. They were supposed to pay off bad debt and they stuck most of it in good investments. Total Scam

Unfortunately, your complaint is no doubt representative of millions of other customer experiences. I got confirmation of this from the horse's mouth. You see, I recently worked for Chase on contract as a systems integrator on their automated customer service program. While on the job, I learned that Chase employees refer to their customers who keep their account balances to a minimum and who always pay on time, as "deadbeats". Later, at a banking conference, I attended a presentation in which an attorney who worked in the banking marketplace spoke of the "new business model" in the credit card industry. The underlying demographic is primarily comprised of college kids and low income customers who are highly likely to rack up late fees and high finance charges by habitually not paying on time.

Afterward, in a personal conversation with that attorney, I learned that Chase is one of those companies that is most efficient at running the new model, which means that it does whatever it can to earn its profits by pumping up and then collecting late fees and finance charges from the population segment that is least able to pay them! Needless to say, I decided right then and there to immediately mitigate future risk by canceling MY Chase credit card account before they made an error on my account.

This happened to me with Wells Fargo Auto Finance. I hounded them, wrote to the BBB and everyone else and demanded they refund my NSF fees and fix everything. I went to my bank and disputed the double charge. Sometimes, the bank will reverse the double payment within 3 days. And, I wound up getting a check from Wells Fargo for the NSF fees they caused. Be persistent - don't give up.

Did you read the signs posted by the atm. they always tell you that you deposit may not be made avalible right away. why call the 1 800 number why not just go to the bank and make the dep asap if you had things that were outstanding?

Their unscrupulous behaivior continues, please read on

HOW CHASE BANK AND COLUMBIA HOUSE STOLE CHRISTMAS

On August 8, 2008 I purchased some DVDs from Columbia House, the order came to $35.84. The order was shipped missing an item after many emails and phone calls to them I finally got my remaining item but they charged me an additional three times for that one item. After another round of calls and emails I finally chalked it up to a bad experience that I would learn a lesson from.

On October 11.2008 I logged into my checking account to find that I had two pending charges of $99.76 from Columbia House! I immediately called Chase Bank’s toll free number where I spoke to a wonderful supervisor Pat, whom advised that as they were still pending she had been able to reverse them. As a caution she advised that they could submit again as long as they had my card number and provided me the number to the Chase Claims Department.

Immediately I began trying to contact Columbia House via their email process on their website - to this day they have NEVER responded to the dozens of emails that I have sent regarding this issue. Calls are answered by someone not qualified to handle the matter, so a supervisor will need to return your call and that NEVER happens either.

I tried to remove my card information from their site, which the site does not allow you to do! You also can not remove the check mark in the box allowing them to use that information for any future shipments and charges! In frustration I changed the billing information on the card to Big Bird, 123 Sesame Street, New York NY 10001

On October 14, 2008 they again debited my checking account for $99.76 which resulted in CHASE Bank charging me $75.00 and $32.00 for insufficient funds fees.

I contacted CHASE Bank filed a claim and closed that debit card (as they would not file the claim other wise). I provided them with screen shots showing no purchases, no shipments, no pending orders since the August fiasco and was advised by Angel that CHASE Bank would be crediting back the charge and any related insufficient funds fees.

Initially they did credit back the $99.76 and the $75.00 for insufficient funds. CHASE refused to credit the $32.00 as Donnell advised me because a previous request had been made (the $75.00) within a 12-month period.

On November 20, 2008 CHASE bank reversed themselves and took the $99.76 and the $75.00 from my checking account. I contacted CHASE Claims Department on 11.21.2008 and was advised by Judy that she would re-open the claim and I would receive that information shortly. Several hours later there was still no information received. Again I contacted CHASE claims where upon Andre advised me that I would need to speak with a supervisor whom was currently on another call and would need to call me back.

To date there has been no communication from Judy or Andre’s supervisor, maybe CHASE has Columbia House train the employees in their Claims Department!

Thanks to Grinches at COLUMBIA HOUSE and CHASE BANK there will be no Christmas in our household this year. The theft of over $200.00 from my account by these two supposedly reputable companies has ended any possibility of a celebration of any kind in my household

BE WARNED AND TAKE YOUR BUSINESS ANYWHERE ELSE

Chase is in business for one reason; to keep consumers poor and their greedy devil executives rich. I fired Chase a few years ago and I have to tell you that it feels good.

Good for you and glad you did it! Chase sucks!