Chase Bank credit card swindles

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“Protest / support the marchers”

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#1 May 12, 2012
Chase Bank is the biggest bank stockholder in the Rothschilds ‘Federal Reserve’ company scam, and is by far the most corrupt bank in America.
They finance terrorism, and break laws continually, because nobody dares to touch them. They refuse to comply with Obama’s loan modification laws.
Learn from those who did business with Chase. Chase customers, including businesses, deserve public criticism, except for those who are stuck with Chase loans.
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“Protest / support the marchers”

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#3 May 12, 2012
I had an issue with a lost debit card. Chase put a hold on all deposit and withdrawal, returned every check I wrote, and every ATM transaction. Then allowed each check and transaction to be re-presented and returned a minimum of three times.
All said and done, I paid over $1,300 in overdraft fees, not one returned to me. Brought my account to zero several times to close it out and they continued charging fees for the same transactions that they put a hold on...this is fraud! They stole my money and there is nothing I can do....

“Protest / support the marchers”

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#4 May 12, 2012
I opened a Chase checking and savings account in July 2011. I opened the account to pay for my rent. My landlord changed the rent payment method; thus, the account has never been used. I deposited $25 initially and planned on just keeping my rent in the account. I have another account with another bank. I ordered checks on the account and the branch manager said that the checks would be free.
Then, I got my first statement and they charged $18 for four books of checks! I kept $7 in the account to cover the next month's fee. I was shocked to see that I was overdrawn by $6. The bank overdrew my account by charging me $12 for a service fee. I was charged for my savings account also. Who charges for a savings account? I went to close both accounts today and the bank said that they would charge me $50 to close an account. What the **? I have to wait another week to close out the account.
I have two other checking account that I use: one to pay my bills online and the other for direct deposit from my employer. Both banks do not charge me a cent for banking with them, only $4 for a maintenance fee. I can't afford $16 for nothing. This bank is only interested in fees and not in customer satisfaction. Avoid this bank at all costs. I am glad that I found out about it before I tried to use checks on the account. Savings accounts are supposed to earn money and not for the bank to earn money.

“Protest / support the marchers”

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#5 May 12, 2012
I opened a "free" checking account with Chase with their $125 incentive, only to find out, after I opened it, that I had to maintain a $1,500 balance for it to be free or do direct deposit, but it only applies to direct deposits from government checks or company payrolls. I am a small business owner looking to have a direct deposit account for sales through a merchant account, and that doesn't apply.
When I chose to cancel my account with 24 hours of opening it, they informed me that because I didn't wait 90 days, I would be charged $25 for each account - checking and savings! If I wait the 90 days, I will still get a $30 charge, so no matter what, Chase is ripping me off money. Do not open an account even for a minute with Chase! They are not for the people or their customers! This is a huge mistake that cost me $50.

“Protest / support the marchers”

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#6 May 13, 2012
While getting unemployment payment, I was sent a debit card from Chase Bank. In April, I took some money out and there was a $17.00 left in . I thought I should get the rest out, so I went to the bank and she stated that the card was expired of which I didn't know. She told me to apply for a new one, so I called today 7/8/2011 and after waiting on the phone for 22 minutes, a gentlemen on the phone said that I could not get a new card since there is no money in the account. What happened to the $17.00 that was left in there? Do you take people's money and keep it. I want to know what happened to the $17.00. You can't just take people's money that belong to them. It was an unemployment compensation monies. I want an answer
Chase Bank lost a massive class action lawsuit recently for their abusive and unethical overdraft practices. It appears as though they learned nothing from this lawsuit and have gone right back to the illegal practice of re-arranging debits to maximize overdraft fees.
Something has to be done to stop this, enough is enough!

“Protest / support the marchers”

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#7 May 13, 2012
BLOGGERS AGAINST CHASE BANK CHASE BANK DENIED ONE MILLION CUSTOMERS OPT OUT RIGHTS AFTER INCREASING THEIR MONTHLY MINIMUM CREDIT CARD PAYMENT BY 150% ON SUPER LOW INTEREST RATE CREDIT CARD AGREEMENTS. OVER ONE MILLION CHASE BANK CUSTOMERS WERE ADVERSLY AFFECTED BY THE 150% MONTHLY AMBUSH INCREASE. YOU ARE NOT A LOAN, NOR ARE YOU ALONE
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“Protest / support the marchers”

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#8 May 13, 2012
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“Protest / support the marchers”

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#10 May 14, 2012
I have a credit card with Chase, and every time I pay a major part of it off, I get a notice that they are lowering the amount I can use to well below the original amount. I make payments above the minimum by $200 per month, and now only owe $3000, which I will pay off by the end of the year. Chase can have their card back. I will never do business with a back that took bail out money and does not treat the customer better. My other cards have not changed and the Credit Union treats me the best. I recommend that everyone move to a CU for great service.
Chase was contacted and they stated my credit score was the reason for the reduction in my rating. So how come a rating of 712 is considered bad and an income of $180,000 plus is considered not good enough. I will be dropping Chase when the card is paid off

“Protest / support the marchers”

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#11 May 14, 2012
Bank Fees are back
http://www.topix.com/forum/us/TUJF2C8U4EE8DUH...

Chase customers finance terrorism, corruption, treason…
http://www.topix.com/forum/us/TM5IPGB02VRDB6K...

Credit card users finance corruption
http://www.topix.com/forum/us/TH48DKGNTQMK6Q2...
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“Protest / support the marchers”

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#13 May 15, 2012
They lied. I was charged an exorbitant fee of approximately 60% of the outstanding balance on my credit card when I missed a monthly payment because I never received a payment alert. I negotiated payment by phone with a representative and paid the balance along with a small fee in return for dropping the exorbitant fee. The next month I received a bill equal to 2 exorbitant fees.

“Protest / support the marchers”

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#14 May 15, 2012
Chase has charged me non-bank ATM fees for cash back with no notice. This is most likely because they opted not to put monthly fees on debit cards. I think this is wrong and maybe illegal.
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“Protest / support the marchers”

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#16 May 15, 2012
On November 10, I informed Chase bank reps that i would be going to Thailand, loading my debit card with my vacation savings. I arrived in Thailand on November 13. On the 23rd of November, Chase emailed me, saying that my debit card has been frozen, and that I would be getting a replacement in 7 to 10 days, to my Thailand address. Chase bank has branches here in Bangkok, but I was told I could not go there with passport to pick it up. I offered to pay for a three day UPS shipment guaranteed, to my condo.
I pleaded with them since i am facing 7-10 days without money and destitution in Thailand, without access to my vacation funds in the debit card. My SOS has been royally ignored. Today is December 26, a day after the bitterest Christmas of my life. Chase bank reps have always refused, instead, insisting that they would mail the item unsecured, through USPS and Thailand mail. I doubt that they ever mailed me anything…
I seriously doubt that they ever intend to send me a replacement debit card (for the one I never lost), causing me real grief and suffering during Christmas of 2011. I am stranded, and virtually penniless in Thailand.

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#17 May 16, 2012
For the 2nd time, someone has obtained my debit card number and used it to make purchases.
I called their fraud department and they showed no intelligence and no sign of caring that this is happening. They said the charges had to post before they could remove it and for me to just call back when it posted. I told them that it was for an amount more than what was in the account. They said that I would have to deposit more money to cover it so I wouldn't be charged any overage fees and then they would refund it in 10-12 days after they review the charges.
They wanted me to call the places where the card was used and ask them why they charged my card. I told them, "No, you need to cancel my current debit card before the thief could use it again and investigate the theft of my money." They agreed to cancel my card but told me I should be more responsible for my money (like they didn't really believe me) and they would send it only as regular mail, so I won't have access to my account for 10-12 days anyway. Then, they asked if there was anything else because they can't do anything for me until the charges clear and then hung up. I went online and more fraudulent charges are now pending. This is insane. I didn't have these problems with WaMu. I plan on cancelling my account (as soon as possible, if there is anything left in it) and having my credit union as my main account.

“Protest / support the marchers”

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#18 May 16, 2012
This is with regards to my small business debit card. On the morning of December 30, I received an account alert email of the balance on my account. I noted that my Chase QuickPay payment had posted and recorded it on my spreadsheet. Later that day, I used my debit card, with pin, to complete a transaction.
When I checked my email later that day, I received notice that my account was overdrawn by $12.78. I immediately emailed Chase to inquire about this and asked if it would incur an overdraft fee and why. I also noted on my account page that even though the account balance showed there are sufficient funds, there was a small line that indicated an item had been put on hold, it was the Quick Pay payment. I did not hear back from them but of course that evening an overdraft fee was charged. I again emailed them and inquired as to why the account balance alert had not indicated a hold, why the transaction was allowed to go through, and that I would like it reversed as bank error.
This morning, I received the most inappropriate answer:
"We apologize for any inconvenience you may have experienced with the account ending 5937, and we understand your concern. I am happy to assist you today.
In regards to your inquiry, transactions are processed at Chase's discretion. If the item is approved, it will overdraw the account and incur a $34 insufficient funds fee. If the item is declined, it will receive a $34 returned item fee.
Chase offers Overdraft Protection to assist in ensuring that items are covered when they?re presented for payment against your checking account. Overdraft Protection can be established with a Chase savings account, line of credit account or credit card account to avoid an insufficient funds or extended overdraft fee.
Overdraft protection transfers are made to your checking account in increments of $50. Please note, that there is no fee to establish or maintain this service. A $12 overdraft protection transfer fee is deducted from your checking account at the end of the business day. The Overdraft Protection advances funds in $50 increments. If the $50 increment isn't available, the protection will advance the amount needed to cover overdrawn amount and fees if available.
We appreciate the opportunity to assist you and provide excellent customer service. Thank you for being our customer. Please e-mail us through the Secure Message Center while you are logged on to chase.com , or call us at 1-800-935-9935, if you have any question"
The transaction would not have incurred a fee if it had been returned, it would have simply been denied at the POS. If it had been a paper check, yes by all means it would be my error but it was not. There is either something lacking in their system or as I read this to mean, Chase decided to let the transaction be approved so they could charge me the fee and sell their overdraft protection which I do not want. I would prefer they deny my transaction if the funds are held. I also would like to be made aware that they are held and not receive misleading emails.
Did someone even actually read my email before they plugged in some code for a standard answer? Is this what they deem "excellent" customer service?

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#19 May 16, 2012
Chase duplicated my mortgage payment. I scheduled the payment on their online Web site. They were to debit my Huntington Bank checking account for one payment, and they duplicated the payment, causing an overdraft of $37.50 and bankrupting my account, leaving me penniless until my next payday--three days later. The Chase customer rep was testy and kept putting me on hold. I made the mistake of not demanding his supervisor. Plus, I made the call on Friday, 1/20/2012, and they won't have it fixed until Tuesday the following week! I am incredibly dissatisfied, disgusted, and no longer trust Chase. They did the exact same thing last year when I made a credit card payment.

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#20 May 16, 2012
My husband and I had a credit card with WaMu at 7.99% APR and when Chase bought them within a year and half our interest rate is now 29.99%. I have called several times to have it lowered and I have heard everything from them that is against our policy, so I don't know what to do. We have not been late on the account for over 2 years and I have paid more than what was required every month for over 2 years. Yet here we sit with an interest rate of almost 30%.

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#21 May 17, 2012
Stop using Credit Cards = banking corruption
http://www.topix.com/forum/world/THR7L71KGM1B...

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#22 May 17, 2012
Chase has included their debit card protection feature in my cousin's account. She's 69 year old, a senior immigrant, recently widowed, receives a meager monthly SSI checks, who do not even bother to open her statement for 2 years, because her late husband used to do that for them. I discovered that her account has been charged with bank fees for over $1,200 for each year, in 2010 and 2011! Her account's monthly bank fees ran from $100-$300! My poor cousin was actually expecting about $2,000 accumulated savings! I submitted a complaint letter to the bank branch, and to the Office of Financial Protection for Older Americans, of the Consumer Financials Protection Bureau. I suggest we make use of the CFPB. These complaints should be compiled to make a strong case against this unfair practices.

“Protest / support the marchers”

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#23 May 17, 2012
My daughter, who has a debit card on our account, ordered some computer parts online. The purchase was flagged as a fraud by Chase Bank. At the time, the only response to her was the transaction did not go through. She tried again; same results. She called customer service and was told the reason was the zip code suffix was not used, so it was flagged as fraud. Her mistake.
We went online to look at the balance, and it showed a debit pending. We asked the customer service rep about the balance and were told we had over $800.00 available. The purchase was $360.00. We replaced the order. This morning, I receive a text from the bank saying the account is overdrawn. We called customer service and were told the funds for the two purchases flagged as fraud would be available after midnight tonight. What!
If the purchases were fraudulent, why did the money leave the account in the first place? It took a milli-second to remove the money and 2-3 days to put it back? Very unhappy about this. Where did the money go if not to the vendor? It should not have gone anywhere if a fraudulent transaction is suspected. Someone needs to explain this to me.

“Protest / support the marchers”

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#24 May 17, 2012
I tried to use my ATM/debit card and it was denied. What an embarrassment (but I knew I had money in my account)! I called Chase Bank and they could not give me an answer as to why my checking and savings account was in the process of closing. I received a letter that never said why the accounts were closing and within seven to ten business days, I would receive my balance that was in the accounts. It has been thirteen business days and I have not received my money from the checking or saving accounts. I called again and the customer service rep informed me that every ACH debit transaction that takes place on the checking account delays the closing process at least 7 to 10 more business days. However none of the automatic debits (ACH) are being paid, they are returning the debits back to the consumer (refer to maker) and now, I have to wait another 7 to 10 more business days to receive my money from the accounts.
I asked why does the ACH debit transactions have anything to do with my savings account. I suggested that they close the savings account now and send me my savings balance so I can make my monthly mortgage payment. They replied, because both accounts are attached, they will only send one check combined with any accounts that I have with them. In the meantime, my mortgage payment is late, which requires me to make a late payment fee to my mortgage company and the possibility of a negative credit rating appearance. How could Chase Bank do such a thing and get away with this theft? I don't have a problem with the closing of the accounts. If they don't want my business that's fine, but don't use my money as a tool to make your financial ledger look good.

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